{"metadata":{"transaction_key":"deprecated","request_id":"019e445c-67a9-7861-b625-dd8c55b73eb1","sha256":"2688e92c493f0bfa9612f6a33a1a4ddf76e351f88ef67757e6722a04eca6a392","created":"2026-05-20T07:49:29.700Z","duration":2826.936,"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":10644,"output_tokens":167},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":11953,"output_tokens":11976},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":11953,"output_tokens":847}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Simone. It's Tommy here, senior adviser from Oakview Financial. How are you going this evening? I'm doing fantastic. I'm just giving you a call to go through your annual review if you still have time. Fantastic. So I've got a bit of an email pack I'm gonna send through to you today. Are you okay if I just go through a quick security check with you? Amazing. The calls are recorded for training and quality purposes. You don't have a security question on file. Could I please confirm your date of birth and address? Perfect. And you're amazing. And I'm registered with Asica's adviser 1273105. But thank you very much for doing that, Simone. Now I've got this pack coming out to your Gmail address. Will you be able to look onto it with me today, or should I just walk you through the documents? Amazing. So that'll come through in a moment. It's gonna come from our new Odoo system, which is kind of custom built for us. It may go through to your spam box or your main inbox as well just for that first time. Alright. Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review? Yep. Perfect. Yep. I can definitely help you with the personal investment side of things as well. And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we carried across from last year, if that's okay. Cool. So I'm just gonna quickly go through the previous goals from your conversation with Dana there. It was pretty straightforward from what I can see. You're really just focusing on paying down the mortgage a bit of an earlier retirement and maintaining a bit of protection there. Does that sound about right? K. Now I've got your retirement age set for 60. That's your preservation age when you can access super. So, obviously, trying to grow things quite quickly to make sure there's enough there by 60. Does that sound right? Absolutely. And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing? Yep. Okay. Fantastic. And I'm just having a quick look at assets and liabilities there. You've still mainly just got the the main residence with the mortgage car and a little bit of the CommSec account. Is that kind of your main assets? K. If you don't mind me asking, with the mortgage, we had it listed at 450 thousand. Have you paid off a big chunk since then? I know the interest rates have jumped up. 4 20. And last value was 750,000. I know the market's kind of jumped up quite a bit the last year or so. Would you say that? Yeah. $7.50 to 800 as a bit of a range. I think we did actually have listed down about $5,000 in ETFs previously. Have you kind of built up the Comsec account above that? Oh, fantastic. Are you putting aside, like, regular amounts? Or yep. Right. Good little toe dip into it. And have you found it so far? Yep. So it's part of the surplus there. It's not something that you need to kind of sell down or access in the next twelve months or so. Perfect. And the last couple of questions on assets and liabilities, you had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down. Perfect. Alrighty. Now I might just quickly touch on the the CommSec side of things at the moment. Now were you able to kind of pick your own ETF investments from your own research? How did you kind of come up with what to put them in? Yep. So a bit of a spread across a few different ones. Perfect. And did you just go for, like, a standard kind of Vanguard funds for all three of those? Amazing. So nice and low fee there. Brokerage isn't usually too much. When it comes to the investing side of things, I guess the way I can explain the landscape for you is your Comsec accounts, nav trade accounts give you access to the shares and the ETFs. And it's a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them. From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow. The only thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example, from us, or other investment options, asset classes, and things like that. So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held personally in your name, and they've got all the same investment options. 1,000 300 options, all the shares, ETFs, everything you kind of want, and you can pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense. So we do do a lot of that for clients. But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance. You can kind of afford to get the fancier platform with all the bells, whistles, features, and options. It's not something that you would do, for example, with 13,000. We usually start off people in those accounts at about 50 or 80,000. So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling. And then once you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform. So it's kind of like three degrees of platform structure. One for the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that. K? Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house deposit or a car. So you kind of bounce between the two. You've got your ETFs and managed platforms, and then you've got, like, tax structures for investing for on behalf of other people. Okay. What are your thoughts on that so far? I know I've just kind of dumped a bit of info at you, but any initial thoughts? Yeah. Yeah. So the two main considerations I'll give you is, yes, absolutely. If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll. There's no point trying to kind of go fancier than that and apply any fees. That's perfectly fine the way it is. The only thing to keep in mind is, like I mentioned before, access to the funds. If you're gonna put it all in shares, you generally wanna be investing for at least five to ten years rather than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially in the middle of the stock market crash. Yeah. It's almost like you're gonna forward to lose it kind of thing. So it's it's okay if it kind of goes up and down with the stock market, would you say? Absolutely. So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall. And that's all perfectly well to try and get maximum growth for retirement over the next thirty years. When we do personal investing, we actually create for you a personal risk profile. And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so on, we can kind of tailor things a little bit there down the line. Cool. Now while we're on the subject, I just wanted to double check. Obviously, you've been checking your super lately, and you're in that kind of volatile market at the moment. I've noticed your your fund bouncing up and down quite a bit lately. When was the last time you logged in? Yesterday. Perfect. One really good example I wanted to just quickly run by you is when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135. So it's a $10 drop, and then it bounced straight back up to $1.46 a few weeks later. So it's like 10 down, 11 up, and that kind of equates to, like, a 7% drop and a 9% gain in all of six weeks. So that's kind of the volatility we're looking at. I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in a shorter period of time. And I was wanting to kind of gauge your comfort level with that. Yep. Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially considering you're in the education department. They pay pretty well on the payroll frequency. They're not just waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that weekly fortnightly basis. So what we tend to do there is contributions come in. If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price. And then when the market bounces back, you can kinda get that big double digit return on the way up again. Now probably don't wanna stay high risk when you're, say, 59 and then lose half your super to a stock market crash a year before you retire. Does that make sense? Absolutely. So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see that there. There's a hub twenty four performance report. Yep. And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec because they are ETFs as well. And then the second page is your total portfolio in one line. K. So overall, 10.33% return after fees. Fantastic. That's kind of what we're aiming for in high growth is 10% or above in terms of a benchmark. The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different percentage returns of each asset that you hold. So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return, and the rest of them vary between 4% upwards of 80 or 90%. K. So that's all your different sectors and asset classes. So Australian shares, gold, your battery tech and lithium was amazing. That's kind of electric vehicles. That one had probably the biggest surge in the last twelve months, but your Australian shares are a bit down at the moment as well. K. So what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance your investments, and then just keep your contributions going in to keep buying into those different assets. K? Any questions or concerns so far from what you can see and from what I've told you? K? I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market. So it's, yes. That been a long fund. It's dropping a little bit quicker than the other options in the same space. And if that doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them are all looking pretty good. K? There's a couple there that had, like, a slight negative. I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year. So we call that kind of cyclical. Depends on what's going on in the world economy a little bit more than just following your country up and down. Yes. Correct. So yeah. So in the the middle, there's a few different columns. You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes. But the two next to it, growth and income, that's your capital growth versus your dividends. So they kind of combine the two and go, okay. Total earnings for that investment. Yes. So the value of the underlying shares or assets, it's the the capital value of them. So if you bought Microsoft and it went up in value, that would be plugged in there as the dollar figure and the percentage. And then if it paid a dividend, that would be split separately and then merged together at the end for the total return. Cool. And you should see something pretty similar on your CommSec account. I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got, like, a reinvestment plan and the the fluctuating unit values as well. K? So, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch. All in all, though, I kind of like the spread that you've got in your super funds. You've got property, gold, Aussie shares international. It's I guess the buzzword is diversification, but there's no areas there that I think that you're lacking. K? Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return? Do you have, like, a bit of a gut feeling between the two? Yeah. Absolutely. And we can do we've pretty much got a similar approach with the super. All of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard. The managed fund at the top is the one that's kind of supposed to be outperforming based on the phase that it's charging. So that's one where I would kind of look at a bit of an index fund replacement, pretty similar to the one that you would already have in your CommSec, the a 200. K? Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months? Yes. That's right. Yep. Absolutely. No. Yeah. Yep. That's pretty reasonable. And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy to do that. The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I don't usually play with it too much every couple of months. But if you had three options that run the performing, we would do a full rebalance. So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update, and I'll pretty much have the research pre prepared for you as well. K? Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put a lot of your surplus into, like, an offset account or anything like that? Yeah. So, Mohan, what what bank you with at the moment? Yeah. Wow. Okay. Yes. Yeah. It's just too accessible, too easy to transfer between accounts and swipe a card, isn't it? You know what? That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not. And, really, it's just recognizing the behavioral side of things that if it's there, it's too easy to touch. So some clients even go back to using a regrow facility because it's harder to access. But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction? Do you know what I mean? To be honest, Simone yeah. But that takes so much it takes time. It takes practice. It takes revisiting it regularly. And if you find that putting into a savings account works for you, like, absolutely go for it. It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that people don't offset as much as they think they would have when they start that journey. So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well? Sensational. And that's with UBank? Amazing. Yep. And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay? Yep. Look. That's fantastic. I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days. There's a lot of people kind of scrimping week to week, so I think that's fantastic. I'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account. And for the rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well. Yeah. Absolutely. Can I just quickly check with you as well? I mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is that down the line potentially? Perfect. Alright. Peachy is a great name. I'll put that down. So we'll go married status, but Peachy is the surname to stay. And I'm just gonna put that in as maiden name as well so no one assumes. And just to double check, is that to Theodore? Oh, sorry, Simone. Are you still there? Oh, I just lost you for a few seconds. Can you hear me okay? Yes. I'm back. Sorry. About seven seconds have cut out there. I do apologize. I was just double checking because Theodore was listed as your next of kin and emergency contact, And I'm assuming that is your partner, not like a friend. Yes. Yep. Perfect. Just didn't wanna assume that your next of kin from original wasn't somebody else. We've got no changes to your address, email, or phone number. You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher. Did you have much of an income change? Because there was a potential drop on the cards from your last review. I'm wondering if that uh-huh. Okay. K. Do you know what your annual income is gonna look like for the financial year when you do your tax return? Perfect. So that $1.40, I can kind of leave it there for the time being. Perfect. And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning? I know that in your state, if it's helpful, besides obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse. They do wills and power of attorneys as well. And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well. And there's even will kits from the post office for about $25, which are quite basic, but they're good if it's just a mortgage and some savings. I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to. No. It's it's left blank at the moment. I wanted to just quickly check with you what end up. That's a common occurrence. It's a guy. Yep. Yeah. Financial dependent. Yeah. So partner, child, interdependency relationship are the three main ones. Yeah. If you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can even express post out the forms with a return envelope if that's easier. Oh, wow. Did you get them witnessed as well? Yep. Oh, that can be a bit of a pain. I know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are. But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've updated them. So I'm like Yep. I can get that organized. No worries at all. Now I'm assuming because you filled them in before. Yes. Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with the two witnesses on the same date. Alrighty. So I'll put that in for a bit of a return there. Let me just double check as well while I've got you. Is your life insurance through MetLife? We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover. It's your lump sums if you pass away or can never work again. You've just had an anniversary on the April 2. Did you want Theo listed as the life insurance beneficiary as well? It's for life insurance, it could be pretty much anybody. K. Cool. I I can do that for both. That's no worries at all. It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those up perfectly fine. Two quick questions on it. You do have the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it. Yep. Okay. Positive foreshadowing is good. I have had some interesting conversations over the years, but we can do that. And, look, we'll touch on it every review anyway just in case. Cool. Just quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to double check with you as well. So let's say that situation happens. Your car accident can never work again. There's 550,000 comes out plus your 100 and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over. Just wanted to double check with you that situation. Does that sound okay for you guys? Is that too high? Is that too low? Yep. And just having a look at the price there. Yeah. Look. I'm not too concerned about the life and TPD. When you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well. So it's not really, like, slowing down your growth, if that makes sense. You do have the last one I wanted to touch on was your income protection. You've got a ninety day waiting period. So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness or injury lasts that long. You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that event. Is that Yep. Perfect. Now your cover amount is $7,555 per month, and you do have indexation on that. So it does increase with inflation. Assuming I'm just gonna quickly work back the figures here. So that's protecting an income of 130,000, technically speaking. I think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about. Just double checking that still covers the expenses for you guys. Cool. Because technically, you can go for more based on the higher income. But, again, if that contract is temporary, I don't wanna kind of increase your insurance and then all of a sudden have to decrease it again, and then you pay more than what you can claim on. Perfect. Alrighty. Simone, we have gone through quite a few different areas tonight. Do you have any questions for me so far? Okay. So the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares. We'll kind of leave the insurance alone for the time being, and then just update your estate planning, get your beneficiaries up to date as well. Cool. When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go. And then at the next review, we'll kind of touch base on it. And if we need to start using a platform, we can go through, like, that personal risk profile with you and build you a bit of a portfolio there as well. Okay. Oh, sorry. Could you repeat that for me? Yep. Yes. That's right. I think the last figure I had when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment? Yep. So look. All in all, mortgage is going down. You've still got some savings, and you're building up some investments. And you know how we were talking about the offset account idea before? If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of building up that wealth and equity much quicker in the background that at some point, you could possibly even just pay off the mortgage with it as well. You don't have to go down that that other route of offset accounts. Investing does the same thing too. So if I have a look, I'm gonna do a quick progress update with you. So we've got okay. So you've got a pretty good balance for your age. It's pretty well straight in that kind of above average mark. You're in high growth. You're getting good contributions on a high income. You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark. Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax free as well. So I think you can pretty much get to most common retirement goals as is without having to do the salary sacrifice. The question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example, put a 100 in. Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super. That's obviously gonna speed things up a little bit. And then the flip side to that is the family building. So do you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your your family planning look like? Yep. And would you probably take off the the full twelve months, do you think? Yeah. Gotcha. Gotcha. So between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well. Yep. So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if you're about to kind of slow down, stop work, and then go part time for a period. It'll probably be something to do after that. I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely not gonna recommend it for this year. So let's say you've got your contributions coming in from work, call it about $1,314,000 after tax. Your current balance is 146,000. And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for? So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where even in twenty years' time, you could be sitting there with 1 and a half million. Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement. So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you probably won't have to do it until that point, and then you probably don't have to do it for more than a couple of years. K? So there's no there's no rush. I don't see you heavily behind that you need to play catch up or anything. And, obviously, people talk about tax benefits and and that kind of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super. You know, what's the priority? Does that make sense? Yep. Cool. I'll put a few notes on the file. Obviously, we'll come back to that over the next few years as well, but I hope that kinda helps a little bit. The full savings aspect. Yeah. Yeah. I get you. Yeah. There's that too. And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the different states pretty regularly? And did they change the superannuation contribution scheme at that point as well? Because I know a lot of people were doing the matching program. You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway. Do you know if they did that with yours? When I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time. And it worked out to be about a 145,000 for your your yearly income, which is pretty close to what you were telling me before. So if I go a 140,000, and let's say it is 12.5%, Yeah. It pretty well works out to be the same amount. So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly touch base with your payroll to see if there's any matching programs or anything like that or what your percentage is. If they come back and say that you can do the matching program, I can help you figure out the the best way to do that because they the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice. So if they say that's available, can you let us know straight away? If not, I wouldn't worry about it until after maternity leave. Cool. I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well. Cool. Alright. Any other things I can help with before I let you go? I made it. Yep. Go for it. So that is a fantastic question that has three slightly small answers to it. Is we do individual advice to start with. So because you already have an ongoing plan, we would do the same starting foundation plan for your partner. After that point, we can do joint reviews with you guys and joint advice together because we need to factor in, you know, joint retirement goals and things like that, but we just wanna make sure he has that foundational piece to start with. From that point, a couple of things to consider is there is, like, a partner fee discount as well. So I was just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year. The partner fee discount is 1.1, so it chops about a third off per person. Correct. K? From that point, Hub twenty four also offers family linking. So if we do recommend a similar super fund to your partner, you can actually link your accounts together for cheaper admin fees. And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts. So there's a lot of a lot of linking for discounts that can be done as well. K? I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year. If we do bring your partner on board, we will send you an amended agreement after he signs up as well. K? Do you want me to take down any yeah. And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just call into reception, talk to the girls. I'll get him booked in with myself or one of the other advisers, and we'll just go through the usual complimentary consultation, bit of research, and see if we can help him. Cool. Alrighty. Any other questions at the moment before I let you go? Amazing. No. Thank you for taking the time. I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment. But thank you for spending the time with me tonight. You too. I'll talk to you soon. Bye.","confidence":1.0,"words":[{"word":"hi","start":3.4399998,"end":3.76,"confidence":0.9975586,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1618211716413498},{"word":"simone","start":3.76,"end":4.08,"confidence":0.9538574,"punctuated_word":"Simone.","sentiment":"neutral","sentiment_score":0.1555929183959961},{"word":"it's","start":4.08,"end":4.4,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1809108555316925},{"word":"tommy","start":4.4,"end":4.64,"confidence":0.8520508,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.16421052813529968},{"word":"here","start":4.64,"end":4.96,"confidence":0.9836426,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.14875924587249756},{"word":"senior","start":4.96,"end":5.2799997,"confidence":0.9951172,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.1512671262025833},{"word":"adviser","start":5.2799997,"end":5.6,"confidence":0.9350586,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.17901912331581116},{"word":"from","start":5.6,"end":5.7599998,"confidence":0.9716797,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1684597283601761},{"word":"oakview","start":5.7599998,"end":6.16,"confidence":0.80126953,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.15752184391021729},{"word":"financial","start":6.16,"end":6.64,"confidence":0.9975586,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1528548002243042},{"word":"how","start":6.64,"end":6.7999997,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2261696457862854},{"word":"are","start":6.7999997,"end":6.8799996,"confidence":0.9267578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23691889643669128},{"word":"you","start":6.8799996,"end":6.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23511429131031036},{"word":"going","start":6.96,"end":7.2,"confidence":0.84228516,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25922414660453796},{"word":"this","start":7.2,"end":7.44,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2989921271800995},{"word":"evening","start":7.44,"end":7.94,"confidence":1.0,"punctuated_word":"evening?","sentiment":"neutral","sentiment_score":0.2414326369762421},{"word":"i'm","start":9.5199995,"end":9.679999,"confidence":0.892334,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7032424211502075},{"word":"doing","start":9.679999,"end":10.0,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7835296988487244},{"word":"fantastic","start":10.0,"end":10.5,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.8085057735443115},{"word":"i'm","start":10.719999,"end":10.96,"confidence":0.9350586,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5695624351501465},{"word":"just","start":10.96,"end":11.2,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5540926456451416},{"word":"giving","start":11.2,"end":11.36,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.48743996024131775},{"word":"you","start":11.36,"end":11.5199995,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46268409490585327},{"word":"a","start":11.5199995,"end":11.599999,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3396661579608917},{"word":"call","start":11.599999,"end":11.84,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.333282470703125},{"word":"to","start":11.84,"end":11.92,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3716249465942383},{"word":"go","start":11.92,"end":12.08,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.41543981432914734},{"word":"through","start":12.08,"end":12.24,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5361492037773132},{"word":"your","start":12.24,"end":12.4,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.49509701132774353},{"word":"annual","start":12.4,"end":12.639999,"confidence":0.99902344,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.4337575435638428},{"word":"review","start":12.639999,"end":12.96,"confidence":1.0,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.3710325062274933},{"word":"if","start":12.96,"end":13.04,"confidence":0.89501953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2615722119808197},{"word":"you","start":13.04,"end":13.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27113670110702515},{"word":"still","start":13.2,"end":13.36,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20943257212638855},{"word":"have","start":13.36,"end":13.599999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2595425546169281},{"word":"time","start":13.599999,"end":13.965,"confidence":0.9807129,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.2510596215724945},{"word":"fantastic","start":15.485001,"end":15.985001,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5918179154396057},{"word":"so","start":16.045,"end":16.285,"confidence":0.9589844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3013663589954376},{"word":"i've","start":16.285,"end":16.525,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3363190293312073},{"word":"got","start":16.525,"end":16.605,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3320709764957428},{"word":"a","start":16.605,"end":16.685,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28707456588745117},{"word":"bit","start":16.685,"end":16.925,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.24582721292972565},{"word":"of","start":16.925,"end":17.005001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3318309187889099},{"word":"an","start":17.005001,"end":17.165,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.3179575204849243},{"word":"email","start":17.165,"end":17.485,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.30055785179138184},{"word":"pack","start":17.485,"end":17.645,"confidence":0.9707031,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.24002370238304135},{"word":"i'm","start":17.645,"end":17.805,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2680017650127411},{"word":"gonna","start":17.805,"end":18.045,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.28794431686401367},{"word":"send","start":18.045,"end":18.285,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.28036952018737793},{"word":"through","start":18.285,"end":18.525,"confidence":0.98095703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3275379240512848},{"word":"to","start":18.525,"end":18.685,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3695514500141144},{"word":"you","start":18.685,"end":18.845001,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3837290406227112},{"word":"today","start":18.845001,"end":19.345001,"confidence":1.0,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.2733432650566101},{"word":"are","start":19.485,"end":19.725,"confidence":0.66748047,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.10028908401727676},{"word":"you","start":19.725,"end":19.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11533941328525545},{"word":"okay","start":19.805,"end":20.045,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.1182435005903244},{"word":"if","start":20.045,"end":20.125,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1578465849161148},{"word":"i","start":20.125,"end":20.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1884768307209015},{"word":"just","start":20.205,"end":20.365,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17801375687122345},{"word":"go","start":20.365,"end":20.605,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14209136366844177},{"word":"through","start":20.605,"end":20.765,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20626001060009003},{"word":"a","start":20.765,"end":20.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20591169595718384},{"word":"quick","start":20.845,"end":21.165,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.21388129889965057},{"word":"security","start":21.165,"end":21.645,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.09408548474311829},{"word":"check","start":21.645,"end":21.805,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.176581472158432},{"word":"with","start":21.805,"end":21.965,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14689376950263977},{"word":"you","start":21.965,"end":22.465,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.17366266250610352},{"word":"amazing","start":23.485,"end":23.985,"confidence":0.9951172,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.43849384784698486},{"word":"the","start":24.365,"end":24.525,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.22893476486206055},{"word":"calls","start":24.525,"end":24.765,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.22436465322971344},{"word":"are","start":24.765,"end":24.925,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17675656080245972},{"word":"recorded","start":24.925,"end":25.325,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.22743672132492063},{"word":"for","start":25.325,"end":25.485,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19602714478969577},{"word":"training","start":25.485,"end":25.965,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.2463470995426178},{"word":"and","start":25.965,"end":26.205,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12547479569911957},{"word":"quality","start":26.205,"end":26.605,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.11558754742145538},{"word":"purposes","start":26.605,"end":27.105,"confidence":0.9838867,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.15300452709197998},{"word":"you","start":27.404999,"end":27.564999,"confidence":0.63134766,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09592093527317049},{"word":"don't","start":27.564999,"end":27.885,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1068410724401474},{"word":"have","start":27.885,"end":28.045,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0955745279788971},{"word":"a","start":28.045,"end":28.205,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0923568159341812},{"word":"security","start":28.205,"end":28.685,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.03185068070888519},{"word":"question","start":28.685,"end":29.085,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.06737294793128967},{"word":"on","start":29.085,"end":29.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08246441185474396},{"word":"file","start":29.325,"end":29.825,"confidence":0.98291016,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.1363033950328827},{"word":"could","start":30.02,"end":30.1,"confidence":0.9921875,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.06536881625652313},{"word":"i","start":30.1,"end":30.26,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06640429049730301},{"word":"please","start":30.26,"end":30.66,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.05714539438486099},{"word":"confirm","start":30.66,"end":31.16,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06107573956251144},{"word":"your","start":31.220001,"end":31.62,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05818897485733032},{"word":"date","start":31.62,"end":31.78,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.06458462029695511},{"word":"of","start":31.78,"end":31.86,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07680658996105194},{"word":"birth","start":31.86,"end":32.1,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.06191615015268326},{"word":"and","start":32.1,"end":32.260002,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07597441226243973},{"word":"address","start":32.260002,"end":32.760002,"confidence":0.9970703,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.06715180724859238},{"word":"perfect","start":37.06,"end":37.56,"confidence":0.80371094,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40730151534080505},{"word":"and","start":39.3,"end":39.8,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3022751808166504},{"word":"you're","start":41.62,"end":41.78,"confidence":0.70666504,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4680310189723969},{"word":"amazing","start":41.940002,"end":42.440002,"confidence":0.9970703,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.4753305912017822},{"word":"and","start":42.58,"end":42.739998,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20157179236412048},{"word":"i'm","start":42.739998,"end":42.9,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15885382890701294},{"word":"registered","start":42.9,"end":43.38,"confidence":0.9838867,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.1724496632814407},{"word":"with","start":43.38,"end":43.54,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12572085857391355},{"word":"asica's","start":43.54,"end":43.940002,"confidence":0.55688477,"punctuated_word":"Asica's","sentiment":"neutral","sentiment_score":0.1960173100233078},{"word":"adviser","start":43.940002,"end":44.42,"confidence":0.7446289,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.1973423957824707},{"word":"1273105","start":44.42,"end":46.075,"confidence":0.97879463,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.1945237368345261},{"word":"but","start":46.075,"end":46.315002,"confidence":0.7709961,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2757338583469391},{"word":"thank","start":46.315002,"end":46.395,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5698881149291992},{"word":"you","start":46.395,"end":46.555,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5939182043075562},{"word":"very","start":46.555,"end":46.795002,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5034440159797668},{"word":"much","start":46.795002,"end":46.955,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5719447135925293},{"word":"for","start":46.955,"end":47.115,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.631206750869751},{"word":"doing","start":47.115,"end":47.355,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6406323909759521},{"word":"that","start":47.355,"end":47.515,"confidence":0.99658203,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.6722162365913391},{"word":"simone","start":47.515,"end":48.015,"confidence":0.98657227,"punctuated_word":"Simone.","sentiment":"positive","sentiment_score":0.5901502966880798},{"word":"now","start":49.195,"end":49.515,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04393056407570839},{"word":"i've","start":49.515,"end":49.675,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04465176910161972},{"word":"got","start":49.675,"end":49.915,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04461188241839409},{"word":"this","start":49.915,"end":50.155,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.042126525193452835},{"word":"pack","start":50.155,"end":50.395,"confidence":0.99609375,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.0447770319879055},{"word":"coming","start":50.395,"end":50.715,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.060815200209617615},{"word":"out","start":50.715,"end":50.955,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06367857754230499},{"word":"to","start":50.955,"end":51.195,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06769795715808868},{"word":"your","start":51.195,"end":51.515,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04578176885843277},{"word":"gmail","start":51.515,"end":52.015,"confidence":0.9980469,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.0442245677113533},{"word":"address","start":52.075,"end":52.475002,"confidence":0.9995117,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.03896047919988632},{"word":"will","start":52.475002,"end":52.715,"confidence":0.9970703,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.04641418904066086},{"word":"you","start":52.715,"end":52.795002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05066227167844772},{"word":"be","start":52.795002,"end":52.875,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.051760174334049225},{"word":"able","start":52.875,"end":53.035,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.08253181725740433},{"word":"to","start":53.035,"end":53.115,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08062095195055008},{"word":"look","start":53.115,"end":53.275,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09976807236671448},{"word":"onto","start":53.275,"end":53.515,"confidence":0.8330078,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.10098111629486084},{"word":"it","start":53.515,"end":53.595,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08791415393352509},{"word":"with","start":53.595,"end":53.755,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06763286888599396},{"word":"me","start":53.755,"end":53.915,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0767270028591156},{"word":"today","start":53.915,"end":54.315002,"confidence":0.95703125,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.07730764895677567},{"word":"or","start":54.315002,"end":54.555,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04323969781398773},{"word":"should","start":54.555,"end":54.715,"confidence":0.8027344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.041804250329732895},{"word":"i","start":54.715,"end":54.795002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0746762827038765},{"word":"just","start":54.795002,"end":54.955,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08562837541103363},{"word":"walk","start":54.955,"end":55.195,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.11035196483135223},{"word":"you","start":55.195,"end":55.355,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06772555410861969},{"word":"through","start":55.355,"end":55.515,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06866905093193054},{"word":"the","start":55.515,"end":55.675003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056251466274261475},{"word":"documents","start":55.675003,"end":56.175003,"confidence":0.99902344,"punctuated_word":"documents?","sentiment":"neutral","sentiment_score":0.06801629066467285},{"word":"amazing","start":58.33,"end":58.73,"confidence":0.9975586,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.33548426628112793},{"word":"so","start":58.73,"end":59.05,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20403383672237396},{"word":"that'll","start":59.05,"end":59.37,"confidence":0.99316406,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.25273776054382324},{"word":"come","start":59.37,"end":59.61,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.31708836555480957},{"word":"through","start":59.61,"end":59.93,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.28667277097702026},{"word":"in","start":59.93,"end":60.09,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20178352296352384},{"word":"a","start":60.09,"end":60.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25145024061203003},{"word":"moment","start":60.25,"end":60.73,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.28865116834640503},{"word":"it's","start":60.73,"end":60.97,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.17020432651042938},{"word":"gonna","start":60.97,"end":61.29,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17887505888938904},{"word":"come","start":61.29,"end":61.53,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.185912624001503},{"word":"from","start":61.53,"end":61.85,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2114820033311844},{"word":"our","start":61.85,"end":62.09,"confidence":0.9838867,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2832792401313782},{"word":"new","start":62.09,"end":62.49,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.27453702688217163},{"word":"odoo","start":62.49,"end":62.89,"confidence":0.99853516,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.22452853620052335},{"word":"system","start":62.89,"end":63.39,"confidence":0.97680664,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.2385898381471634},{"word":"which","start":63.45,"end":63.61,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27975931763648987},{"word":"is","start":63.61,"end":63.85,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2461172342300415},{"word":"kind","start":63.85,"end":64.01,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.27465951442718506},{"word":"of","start":64.01,"end":64.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3239075839519501},{"word":"custom","start":64.17,"end":64.49,"confidence":1.0,"punctuated_word":"custom","sentiment":"positive","sentiment_score":0.35051101446151733},{"word":"built","start":64.49,"end":64.81,"confidence":1.0,"punctuated_word":"built","sentiment":"positive","sentiment_score":0.36356961727142334},{"word":"for","start":64.81,"end":64.89,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2775143086910248},{"word":"us","start":64.89,"end":65.39,"confidence":0.99902344,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.2319091111421585},{"word":"it","start":65.45,"end":65.61,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.16865389049053192},{"word":"may","start":65.61,"end":65.85,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.11430836468935011},{"word":"go","start":65.85,"end":66.01,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11815495789051056},{"word":"through","start":66.01,"end":66.33,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11836692690849304},{"word":"to","start":66.33,"end":66.49,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13273806869983673},{"word":"your","start":66.49,"end":66.73,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12459912896156312},{"word":"spam","start":66.73,"end":67.05,"confidence":0.9902344,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":0.1010715514421463},{"word":"box","start":67.05,"end":67.45,"confidence":0.99316406,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.07638347893953323},{"word":"or","start":67.45,"end":67.61,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1022840365767479},{"word":"your","start":67.61,"end":67.85,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13600462675094604},{"word":"main","start":67.85,"end":68.09,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.0934637486934662},{"word":"inbox","start":68.09,"end":68.57,"confidence":0.99902344,"punctuated_word":"inbox","sentiment":"neutral","sentiment_score":0.10661396384239195},{"word":"as","start":68.57,"end":68.73,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15927131474018097},{"word":"well","start":68.73,"end":69.21,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.19132572412490845},{"word":"just","start":69.21,"end":69.45,"confidence":0.87353516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22801268100738523},{"word":"for","start":69.45,"end":69.61,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22537988424301147},{"word":"that","start":69.61,"end":69.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28769421577453613},{"word":"first","start":69.85,"end":70.25,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.22884252667427063},{"word":"time","start":70.25,"end":70.75,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.17659154534339905},{"word":"alright","start":74.175,"end":74.655,"confidence":0.99560547,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.10179281234741212},{"word":"now","start":74.655,"end":74.895004,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05864006280899048},{"word":"just","start":74.895004,"end":75.055,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05447501689195633},{"word":"while","start":75.055,"end":75.295006,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.03984317556023598},{"word":"that's","start":75.295006,"end":75.535,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06550320982933044},{"word":"going","start":75.535,"end":75.695,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06753227114677429},{"word":"through","start":75.695,"end":75.935005,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06204564869403839},{"word":"to","start":75.935005,"end":76.015,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0658806711435318},{"word":"you","start":76.015,"end":76.175,"confidence":0.9897461,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07979890704154968},{"word":"simone","start":76.175,"end":76.495,"confidence":0.9812012,"punctuated_word":"Simone,","sentiment":"neutral","sentiment_score":0.07158304005861282},{"word":"is","start":76.495,"end":76.575005,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.037695128470659256},{"word":"there","start":76.575005,"end":76.735,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.045910872519016266},{"word":"anything","start":76.735,"end":77.055,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08027280867099762},{"word":"in","start":77.055,"end":77.295006,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04076405614614487},{"word":"particular","start":77.295006,"end":77.615005,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.04958178848028183},{"word":"that","start":77.615005,"end":77.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05888543277978897},{"word":"you're","start":77.775,"end":77.935005,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05549889802932739},{"word":"hoping","start":77.935005,"end":78.255005,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.07362879812717438},{"word":"to","start":78.255005,"end":78.335,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10923458635807036},{"word":"get","start":78.335,"end":78.415,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09122194349765778},{"word":"out","start":78.415,"end":78.575005,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1323062926530838},{"word":"of","start":78.575005,"end":78.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11657457053661346},{"word":"this","start":78.735,"end":78.895004,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08203457295894623},{"word":"year's","start":78.895004,"end":79.135,"confidence":0.9995117,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.07930833101272583},{"word":"review","start":79.135,"end":79.635,"confidence":0.9995117,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.0642719566822052},{"word":"yep","start":105.725,"end":106.045,"confidence":0.8486328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07560160011053085},{"word":"perfect","start":106.045,"end":106.545,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32952880859375},{"word":"yep","start":108.21,"end":108.45,"confidence":0.97216797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20478692650794983},{"word":"i","start":108.45,"end":108.61,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33517342805862427},{"word":"can","start":108.61,"end":108.77,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3389076292514801},{"word":"definitely","start":108.77,"end":109.09,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4921937882900238},{"word":"help","start":109.09,"end":109.33,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.3754623234272003},{"word":"you","start":109.33,"end":109.49,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4102148413658142},{"word":"with","start":109.49,"end":109.65,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3876916766166687},{"word":"the","start":109.65,"end":109.81,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3454550504684448},{"word":"personal","start":109.81,"end":110.21,"confidence":1.0,"punctuated_word":"personal","sentiment":"positive","sentiment_score":0.4257948994636536},{"word":"investment","start":110.21,"end":110.69,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3374637961387634},{"word":"side","start":110.69,"end":110.93,"confidence":1.0,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.35921233892440796},{"word":"of","start":110.93,"end":111.09,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35259729623794556},{"word":"things","start":111.09,"end":111.41,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.35341915488243103},{"word":"as","start":111.41,"end":111.57,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4063703715801239},{"word":"well","start":111.57,"end":112.05,"confidence":0.99365234,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.010280556976795197},{"word":"and","start":112.05,"end":112.29,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13439777493476868},{"word":"if","start":112.29,"end":112.53,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17092719674110413},{"word":"it's","start":112.53,"end":112.69,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19902895390987396},{"word":"okay","start":112.69,"end":112.93,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.2487667500972748},{"word":"with","start":112.93,"end":113.09,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2358473390340805},{"word":"you","start":113.09,"end":113.33,"confidence":1.0,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2215580940246582},{"word":"i'll","start":113.33,"end":113.57,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19086067378520968},{"word":"just","start":113.57,"end":113.97,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2038181573152542},{"word":"kinda","start":113.97,"end":114.21,"confidence":0.96240234,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.17562296986579895},{"word":"go","start":114.21,"end":114.45,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1918557286262512},{"word":"through","start":114.45,"end":114.61,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2133890837430954},{"word":"and","start":114.61,"end":114.77,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1327897608280182},{"word":"update","start":114.77,"end":115.17,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.12654834985733032},{"word":"a","start":115.17,"end":115.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16205205023288727},{"word":"few","start":115.25,"end":115.49,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11335648596286774},{"word":"details","start":115.49,"end":115.89,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1615344136953354},{"word":"on","start":115.89,"end":116.05,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11331099271774292},{"word":"file","start":116.05,"end":116.37,"confidence":0.62890625,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.14525917172431946},{"word":"just","start":116.37,"end":116.61,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1818363815546036},{"word":"to","start":116.61,"end":116.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1558232605457306},{"word":"make","start":116.77,"end":116.93,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1520884335041046},{"word":"sure","start":116.93,"end":117.43,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1544637829065323},{"word":"the","start":117.49,"end":117.729996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2019147276878357},{"word":"new","start":117.729996,"end":117.89,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.17216768860816956},{"word":"system's","start":117.89,"end":118.39,"confidence":0.9436035,"punctuated_word":"system's","sentiment":"neutral","sentiment_score":0.17535239458084106},{"word":"accurate","start":118.53,"end":119.03,"confidence":1.0,"punctuated_word":"accurate","sentiment":"neutral","sentiment_score":0.13000251352787018},{"word":"from","start":119.33,"end":119.57,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1440282166004181},{"word":"what","start":119.57,"end":119.729996,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.111994206905365},{"word":"we","start":119.729996,"end":119.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10566967725753784},{"word":"carried","start":119.89,"end":120.21,"confidence":0.99902344,"punctuated_word":"carried","sentiment":"neutral","sentiment_score":0.034754201769828796},{"word":"across","start":120.21,"end":120.61,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.0182291641831398},{"word":"from","start":120.61,"end":120.85,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03135237470269203},{"word":"last","start":120.85,"end":121.01,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.023947805166244507},{"word":"year","start":121.01,"end":121.25,"confidence":0.8996582,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0266066063195467},{"word":"if","start":121.25,"end":121.41,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07108522951602936},{"word":"that's","start":121.41,"end":121.65,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07374666631221771},{"word":"okay","start":121.65,"end":122.15,"confidence":0.9147949,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17599737644195557},{"word":"cool","start":122.175,"end":122.675,"confidence":0.9116211,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5527805685997009},{"word":"so","start":123.775,"end":124.015,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3296966552734375},{"word":"i'm","start":124.015,"end":124.175,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3562648296356201},{"word":"just","start":124.175,"end":124.33501,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3202187716960907},{"word":"gonna","start":124.33501,"end":124.575005,"confidence":0.9394531,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.30968770384788513},{"word":"quickly","start":124.575005,"end":124.895004,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.3292836844921112},{"word":"go","start":124.895004,"end":125.135,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3098282516002655},{"word":"through","start":125.135,"end":125.635,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.362371027469635},{"word":"the","start":125.775,"end":126.175,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32649654150009155},{"word":"previous","start":126.175,"end":126.575005,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.323134183883667},{"word":"goals","start":126.575005,"end":126.895004,"confidence":0.9790039,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.25158360600471497},{"word":"from","start":126.895004,"end":127.055,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.326851487159729},{"word":"your","start":127.055,"end":127.295006,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33411356806755066},{"word":"conversation","start":127.295006,"end":127.775,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.2992880940437317},{"word":"with","start":127.775,"end":128.015,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32923629879951477},{"word":"dana","start":128.015,"end":128.41501,"confidence":0.99609375,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.3309013247489929},{"word":"there","start":128.41501,"end":128.91501,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.31500136852264404},{"word":"it","start":129.215,"end":129.375,"confidence":0.5205078,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4152851402759552},{"word":"was","start":129.375,"end":129.615,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4871920347213745},{"word":"pretty","start":129.615,"end":129.935,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4557334780693054},{"word":"straightforward","start":129.935,"end":130.435,"confidence":0.9980469,"punctuated_word":"straightforward","sentiment":"positive","sentiment_score":0.3510071933269501},{"word":"from","start":130.655,"end":130.895,"confidence":0.6166992,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.410414457321167},{"word":"what","start":130.895,"end":131.05501,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3894883692264557},{"word":"i","start":131.05501,"end":131.13501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2962612807750702},{"word":"can","start":131.13501,"end":131.375,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3465670347213745},{"word":"see","start":131.375,"end":131.695,"confidence":0.9802246,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.33290553092956543},{"word":"you're","start":131.695,"end":131.935,"confidence":0.9699707,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.22204987704753876},{"word":"really","start":131.935,"end":132.175,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.22816038131713867},{"word":"just","start":132.175,"end":132.41501,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2330329418182373},{"word":"focusing","start":132.41501,"end":132.895,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.22440236806869507},{"word":"on","start":132.895,"end":133.05501,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22612808644771576},{"word":"paying","start":133.05501,"end":133.375,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.26651516556739807},{"word":"down","start":133.375,"end":133.615,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1907784193754196},{"word":"the","start":133.615,"end":133.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19430166482925415},{"word":"mortgage","start":133.855,"end":134.355,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.1656872034072876},{"word":"a","start":134.61,"end":134.77,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1924780309200287},{"word":"bit","start":134.77,"end":134.85,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16060829162597656},{"word":"of","start":134.85,"end":135.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1554688662290573},{"word":"an","start":135.01,"end":135.09,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1495308130979538},{"word":"earlier","start":135.09,"end":135.59,"confidence":0.99609375,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.14042219519615173},{"word":"retirement","start":135.81,"end":136.31,"confidence":0.9707031,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.12241755425930025},{"word":"and","start":136.45,"end":136.77,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1699565351009369},{"word":"maintaining","start":136.77,"end":137.27,"confidence":1.0,"punctuated_word":"maintaining","sentiment":"neutral","sentiment_score":0.1798740178346634},{"word":"a","start":137.57,"end":137.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1960904002189636},{"word":"bit","start":137.65,"end":137.81,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16112415492534635},{"word":"of","start":137.81,"end":138.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1567709743976593},{"word":"protection","start":138.05,"end":138.45,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.17428964376449585},{"word":"there","start":138.45,"end":138.69,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16924501955509186},{"word":"does","start":138.69,"end":138.85,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.15579436719417572},{"word":"that","start":138.85,"end":139.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19423086941242215},{"word":"sound","start":139.09,"end":139.25,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.14297199249267578},{"word":"about","start":139.25,"end":139.49,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10551974177360536},{"word":"right","start":139.49,"end":139.99,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.1341267228126526},{"word":"k","start":141.17,"end":141.65,"confidence":0.8486328,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.06353358924388885},{"word":"now","start":141.65,"end":141.97,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09586664289236067},{"word":"i've","start":141.97,"end":142.21,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09726248681545258},{"word":"got","start":142.21,"end":142.37,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08943386375904083},{"word":"your","start":142.37,"end":142.53,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07449044287204742},{"word":"retirement","start":142.53,"end":143.03,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.0563940703868866},{"word":"age","start":143.09,"end":143.41,"confidence":0.9980469,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.05083650350570679},{"word":"set","start":143.41,"end":143.57,"confidence":0.9902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.06933949887752533},{"word":"for","start":143.57,"end":143.89,"confidence":0.75,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06217537820339203},{"word":"60","start":143.89,"end":144.39,"confidence":0.9914551,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.05729267373681069},{"word":"that's","start":144.53,"end":144.77,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07456757128238678},{"word":"your","start":144.77,"end":145.09,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.058397065848112106},{"word":"preservation","start":145.09,"end":145.59,"confidence":0.9970703,"punctuated_word":"preservation","sentiment":"neutral","sentiment_score":0.055292513221502304},{"word":"age","start":145.73,"end":145.97,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.03719561919569969},{"word":"when","start":145.97,"end":146.21,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05593501031398773},{"word":"you","start":146.21,"end":146.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05952663719654083},{"word":"can","start":146.29,"end":146.53,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05422792583703995},{"word":"access","start":146.53,"end":146.93,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.05008237436413765},{"word":"super","start":146.93,"end":147.375,"confidence":0.9230957,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.08414182811975479},{"word":"so","start":147.615,"end":147.855,"confidence":0.85839844,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08446450531482697},{"word":"obviously","start":147.855,"end":148.335,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.09330490231513976},{"word":"trying","start":148.335,"end":148.575,"confidence":0.94970703,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.0940929502248764},{"word":"to","start":148.575,"end":148.655,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11280527710914612},{"word":"grow","start":148.655,"end":148.895,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.12187490612268448},{"word":"things","start":148.895,"end":149.215,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12453263998031616},{"word":"quite","start":149.215,"end":149.375,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.11198879778385162},{"word":"quickly","start":149.375,"end":149.775,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.11707812547683716},{"word":"to","start":149.775,"end":149.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09364134073257446},{"word":"make","start":149.935,"end":150.015,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08684344589710236},{"word":"sure","start":150.015,"end":150.175,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07945112884044647},{"word":"there's","start":150.175,"end":150.415,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07337500900030136},{"word":"enough","start":150.415,"end":150.735,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.07248512655496597},{"word":"there","start":150.735,"end":150.975,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08097139000892639},{"word":"by","start":150.975,"end":151.215,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.05284031853079796},{"word":"60","start":151.215,"end":151.615,"confidence":1.0,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.0697581022977829},{"word":"does","start":151.615,"end":151.775,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10853370279073717},{"word":"that","start":151.775,"end":151.935,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13526643812656405},{"word":"sound","start":151.935,"end":152.175,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.0998338907957077},{"word":"right","start":152.175,"end":152.675,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.10626107454299928},{"word":"absolutely","start":155.295,"end":155.795,"confidence":0.9946289,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.24711169302463531},{"word":"and","start":156.175,"end":156.655,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15069997310638428},{"word":"outside","start":156.655,"end":157.055,"confidence":0.99121094,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.13533569872379303},{"word":"of","start":157.055,"end":157.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09722968935966492},{"word":"that","start":157.215,"end":157.455,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08768510818481445},{"word":"is","start":157.455,"end":157.615,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08823846280574799},{"word":"there","start":157.615,"end":157.775,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07289120554924011},{"word":"anything","start":157.775,"end":158.275,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08407898992300034},{"word":"on","start":158.735,"end":158.975,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04575961083173752},{"word":"the","start":158.975,"end":159.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06927154958248138},{"word":"go","start":159.135,"end":159.375,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.057515546679496765},{"word":"for","start":159.375,"end":159.535,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07489041984081268},{"word":"you","start":159.535,"end":159.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07096076011657715},{"word":"for","start":159.695,"end":159.775,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0769546702504158},{"word":"the","start":159.775,"end":159.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08427239954471588},{"word":"next","start":159.935,"end":160.175,"confidence":0.96069336,"punctuated_word":"next,","sentiment":"neutral","sentiment_score":0.05703761428594589},{"word":"say","start":160.175,"end":160.655,"confidence":0.99560547,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.061106178909540176},{"word":"three","start":160.655,"end":160.895,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0709848403930664},{"word":"years","start":160.895,"end":161.295,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.04892367869615555},{"word":"besides","start":161.295,"end":161.775,"confidence":0.9902344,"punctuated_word":"besides","sentiment":"neutral","sentiment_score":0.025851303711533543},{"word":"the","start":161.775,"end":161.935,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030064955353736877},{"word":"comsec","start":161.935,"end":162.435,"confidence":0.8769531,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.04143432155251503},{"word":"investing","start":162.575,"end":163.075,"confidence":0.9614258,"punctuated_word":"investing?","sentiment":"neutral","sentiment_score":0.031026016920804977},{"word":"yep","start":178.25499,"end":178.735,"confidence":0.7729492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11940621584653854},{"word":"okay","start":178.735,"end":179.235,"confidence":0.9147949,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29260939359664917},{"word":"fantastic","start":179.295,"end":179.795,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4737510681152344},{"word":"and","start":180.33499,"end":180.83499,"confidence":0.99609375,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3416500687599182},{"word":"i'm","start":181.455,"end":181.775,"confidence":0.98535156,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2744234502315521},{"word":"just","start":181.775,"end":181.935,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2937849760055542},{"word":"having","start":181.935,"end":182.25499,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.24358722567558289},{"word":"a","start":182.25499,"end":182.33499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17260891199111938},{"word":"quick","start":182.33499,"end":182.575,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.23298205435276031},{"word":"look","start":182.575,"end":182.735,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22452983260154724},{"word":"at","start":182.735,"end":182.89499,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2516827881336212},{"word":"assets","start":182.89499,"end":183.215,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.17122946679592133},{"word":"and","start":183.215,"end":183.455,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17575101554393768},{"word":"liabilities","start":183.455,"end":183.955,"confidence":1.0,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.1154426857829094},{"word":"there","start":184.175,"end":184.575,"confidence":0.99853516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16151651740074158},{"word":"you've","start":184.575,"end":184.815,"confidence":0.92285156,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.1070319041609764},{"word":"still","start":184.815,"end":185.055,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12457676231861116},{"word":"mainly","start":185.055,"end":185.455,"confidence":0.99902344,"punctuated_word":"mainly","sentiment":"neutral","sentiment_score":0.09808042645454408},{"word":"just","start":185.455,"end":185.775,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09966564178466795},{"word":"got","start":185.775,"end":186.095,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08522190153598785},{"word":"the","start":186.095,"end":186.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11903779208660126},{"word":"the","start":186.495,"end":186.655,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11031553894281387},{"word":"main","start":186.655,"end":186.97499,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12571799755096436},{"word":"residence","start":186.97499,"end":187.47499,"confidence":0.9633789,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.1409229338169098},{"word":"with","start":187.69499,"end":187.935,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13282671570777893},{"word":"the","start":187.935,"end":188.095,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1849810630083084},{"word":"mortgage","start":188.095,"end":188.595,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.09967075288295746},{"word":"car","start":189.45999,"end":189.78,"confidence":0.9921875,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.0903029516339302},{"word":"and","start":189.78,"end":190.02,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10924238711595537},{"word":"a","start":190.02,"end":190.09999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12352535873651505},{"word":"little","start":190.09999,"end":190.42,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1057705506682396},{"word":"bit","start":190.42,"end":190.58,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11731897294521332},{"word":"of","start":190.58,"end":190.73999,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13673396408557892},{"word":"the","start":190.73999,"end":190.98,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17193856835365295},{"word":"commsec","start":190.98,"end":191.45999,"confidence":0.7233887,"punctuated_word":"CommSec","sentiment":"neutral","sentiment_score":0.1322970688343048},{"word":"account","start":191.45999,"end":191.7,"confidence":0.93530273,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1179017499089241},{"word":"is","start":191.7,"end":191.86,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09800049662590028},{"word":"that","start":191.86,"end":192.02,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13381221890449524},{"word":"kind","start":192.02,"end":192.26,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10069207847118378},{"word":"of","start":192.26,"end":192.34,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.109633207321167},{"word":"your","start":192.34,"end":192.5,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08075618743896484},{"word":"main","start":192.5,"end":192.73999,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.07450126856565475},{"word":"assets","start":192.73999,"end":193.23999,"confidence":0.9975586,"punctuated_word":"assets?","sentiment":"neutral","sentiment_score":0.0664643943309784},{"word":"k","start":194.66,"end":195.06,"confidence":0.8190918,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.023171674460172653},{"word":"if","start":195.06,"end":195.22,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.020357001572847366},{"word":"you","start":195.22,"end":195.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011029917746782305},{"word":"don't","start":195.3,"end":195.54,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0056726462207734585},{"word":"mind","start":195.54,"end":195.7,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.0204683318734169},{"word":"me","start":195.7,"end":195.86,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.012524720281362534},{"word":"asking","start":195.86,"end":196.36,"confidence":0.98535156,"punctuated_word":"asking,","sentiment":"neutral","sentiment_score":0.015146611258387566},{"word":"with","start":196.5,"end":196.66,"confidence":0.7324219,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0003248825669288635},{"word":"the","start":196.66,"end":196.81999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007806669920682907},{"word":"mortgage","start":196.81999,"end":197.14,"confidence":0.9946289,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.0058134980499744415},{"word":"we","start":197.14,"end":197.3,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014705941081047058},{"word":"had","start":197.3,"end":197.45999,"confidence":0.62597656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.017444878816604614},{"word":"it","start":197.45999,"end":197.62,"confidence":0.9086914,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.026203449815511703},{"word":"listed","start":197.62,"end":197.94,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.022049900144338608},{"word":"at","start":197.94,"end":198.09999,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.028858043253421783},{"word":"450","start":198.09999,"end":199.14,"confidence":0.998291,"punctuated_word":"450","sentiment":"neutral","sentiment_score":0.03220967948436737},{"word":"thousand","start":199.14,"end":199.54,"confidence":0.9890137,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.017204783856868744},{"word":"have","start":199.54,"end":199.7,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.03265029937028885},{"word":"you","start":199.7,"end":199.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033199720084667206},{"word":"paid","start":199.86,"end":200.09999,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.03785083442926407},{"word":"off","start":200.09999,"end":200.58,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.06968227028846741},{"word":"a","start":200.58,"end":200.73999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06170085072517395},{"word":"big","start":200.73999,"end":200.9,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.028944581747055057},{"word":"chunk","start":200.9,"end":201.22,"confidence":0.9970703,"punctuated_word":"chunk","sentiment":"neutral","sentiment_score":-0.04898090660572052},{"word":"since","start":201.22,"end":201.54,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.023080118000507355},{"word":"then","start":201.54,"end":201.86,"confidence":0.98950195,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":-0.018734199926257133},{"word":"i","start":201.86,"end":201.94,"confidence":0.8540039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01980897411704063},{"word":"know","start":201.94,"end":202.09999,"confidence":0.90283203,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03470173478126526},{"word":"the","start":202.09999,"end":202.26,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035181693732738495},{"word":"interest","start":202.26,"end":202.58,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.005035430192947388},{"word":"rates","start":202.58,"end":202.81999,"confidence":0.8676758,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.008663855493068695},{"word":"have","start":202.81999,"end":202.98,"confidence":0.8720703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011455588042736052},{"word":"jumped","start":202.98,"end":203.22,"confidence":1.0,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":0.02754848077893257},{"word":"up","start":203.22,"end":203.565,"confidence":0.9904785,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.019034244120121},{"word":"4","start":205.485,"end":205.88501,"confidence":0.99609375,"punctuated_word":"4","sentiment":"neutral","sentiment_score":0.0225667841732502},{"word":"20","start":205.88501,"end":206.38501,"confidence":0.9367676,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":0.011933851055800916},{"word":"and","start":207.485,"end":207.80501,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0066720545291900635},{"word":"last","start":207.80501,"end":208.205,"confidence":0.9941406,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.010023433715105057},{"word":"value","start":208.205,"end":208.52501,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.011911548674106598},{"word":"was","start":208.52501,"end":208.765,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.021733302623033524},{"word":"750,000","start":208.765,"end":210.125,"confidence":0.99667966,"punctuated_word":"750,000.","sentiment":"neutral","sentiment_score":0.03375780209898949},{"word":"i","start":210.125,"end":210.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01244962215423584},{"word":"know","start":210.285,"end":210.605,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.013886697590351105},{"word":"the","start":210.605,"end":210.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01791556179523468},{"word":"market's","start":210.765,"end":211.16501,"confidence":0.97558594,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.027599915862083435},{"word":"kind","start":211.16501,"end":211.325,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.007862009108066559},{"word":"of","start":211.325,"end":211.485,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003811642527580261},{"word":"jumped","start":211.485,"end":211.725,"confidence":1.0,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":0.035564813762903214},{"word":"up","start":211.725,"end":211.965,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.062397658824920654},{"word":"quite","start":211.965,"end":212.08499,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.018270373344421387},{"word":"a","start":212.08499,"end":212.205,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0022724755108356476},{"word":"bit","start":212.205,"end":212.445,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.016506344079971313},{"word":"the","start":212.445,"end":212.605,"confidence":0.74365234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00007763504981994629},{"word":"last","start":212.605,"end":212.845,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.00538354367017746},{"word":"year","start":212.845,"end":213.085,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.012626171112060549},{"word":"or","start":213.085,"end":213.245,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019161202013492584},{"word":"so","start":213.245,"end":213.745,"confidence":0.9980469,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.009850740432739258},{"word":"would","start":215.005,"end":215.245,"confidence":0.99316406,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0033846423029899597},{"word":"you","start":215.245,"end":215.565,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013537954539060593},{"word":"say","start":215.565,"end":215.80501,"confidence":0.94384766,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.004012715071439743},{"word":"that","start":215.80501,"end":216.18,"confidence":0.748291,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.00013829022645950315},{"word":"yeah","start":227.06,"end":227.45999,"confidence":0.89624023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06699356436729431},{"word":"$7.50","start":227.45999,"end":228.09999,"confidence":0.9975586,"punctuated_word":"$7.50","sentiment":"neutral","sentiment_score":0.048283807933330536},{"word":"to","start":228.09999,"end":228.34,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0613550990819931},{"word":"800","start":228.34,"end":228.81999,"confidence":1.0,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.07766169309616089},{"word":"as","start":228.81999,"end":228.98,"confidence":0.96435547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06316574662923813},{"word":"a","start":228.98,"end":229.06,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0652337297797203},{"word":"bit","start":229.06,"end":229.29999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06848624348640442},{"word":"of","start":229.29999,"end":229.37999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08009233325719833},{"word":"a","start":229.37999,"end":229.54,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07678607106208801},{"word":"range","start":229.54,"end":230.04,"confidence":0.99853516,"punctuated_word":"range.","sentiment":"neutral","sentiment_score":0.06018952280282974},{"word":"i","start":231.095,"end":231.255,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03308385983109474},{"word":"think","start":231.255,"end":231.415,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.024547144770622253},{"word":"we","start":231.415,"end":231.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04995012283325195},{"word":"did","start":231.495,"end":231.895,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.048538271337747574},{"word":"actually","start":231.895,"end":232.135,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.040835410356521606},{"word":"have","start":232.135,"end":232.375,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.034207530319690704},{"word":"listed","start":232.375,"end":232.855,"confidence":0.98535156,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.039853550493717194},{"word":"down","start":232.855,"end":233.355,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04053141921758652},{"word":"about","start":233.575,"end":233.895,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.039700139313936234},{"word":"$5,000","start":233.895,"end":234.855,"confidence":0.9995117,"punctuated_word":"$5,000","sentiment":"neutral","sentiment_score":0.04402811825275421},{"word":"in","start":234.855,"end":235.175,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.045605339109897614},{"word":"etfs","start":235.175,"end":235.675,"confidence":0.9921875,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.029799362644553185},{"word":"previously","start":235.895,"end":236.395,"confidence":0.99902344,"punctuated_word":"previously.","sentiment":"neutral","sentiment_score":0.023233359679579735},{"word":"have","start":236.935,"end":237.175,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.017559997737407684},{"word":"you","start":237.175,"end":237.495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01740342006087303},{"word":"kind","start":237.495,"end":237.735,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.02800780162215233},{"word":"of","start":237.735,"end":238.055,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04598195105791092},{"word":"built","start":238.055,"end":238.375,"confidence":1.0,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.04319311678409576},{"word":"up","start":238.375,"end":238.535,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06575145572423935},{"word":"the","start":238.535,"end":238.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0629894882440567},{"word":"comsec","start":238.615,"end":239.095,"confidence":0.82055664,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.04464361444115639},{"word":"account","start":239.095,"end":239.415,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.09258299320936204},{"word":"above","start":239.415,"end":239.655,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.05418214201927185},{"word":"that","start":239.655,"end":240.155,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.04121631011366844},{"word":"oh","start":244.55,"end":244.79,"confidence":0.99072266,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5784049034118652},{"word":"fantastic","start":244.79,"end":245.29,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6018153429031372},{"word":"are","start":245.35,"end":245.51,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.15556156635284424},{"word":"you","start":245.51,"end":245.67,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15257488191127777},{"word":"putting","start":245.67,"end":245.91,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.20591728389263153},{"word":"aside","start":245.91,"end":246.23,"confidence":0.76342773,"punctuated_word":"aside,","sentiment":"neutral","sentiment_score":0.21307817101478577},{"word":"like","start":246.23,"end":246.47,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.09435047209262848},{"word":"regular","start":246.47,"end":246.87,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.13325244188308716},{"word":"amounts","start":246.87,"end":247.35,"confidence":0.85424805,"punctuated_word":"amounts?","sentiment":"neutral","sentiment_score":0.14174042642116547},{"word":"or","start":247.35,"end":247.67,"confidence":0.9941406,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0948266014456749},{"word":"yep","start":253.03,"end":253.53,"confidence":0.9161784,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.15693877637386322},{"word":"right","start":253.83,"end":254.15,"confidence":0.9807129,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.2932720184326172},{"word":"good","start":254.15,"end":254.39,"confidence":0.9873047,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.545647382736206},{"word":"little","start":254.39,"end":254.70999,"confidence":0.9921875,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.5503559112548828},{"word":"toe","start":254.70999,"end":254.87,"confidence":0.66064453,"punctuated_word":"toe","sentiment":"positive","sentiment_score":0.4809619188308716},{"word":"dip","start":254.87,"end":255.03,"confidence":0.9970703,"punctuated_word":"dip","sentiment":"positive","sentiment_score":0.4838752746582031},{"word":"into","start":255.03,"end":255.27,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4754103720188141},{"word":"it","start":255.27,"end":255.43,"confidence":0.8869629,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5274672508239746},{"word":"and","start":255.43,"end":255.59,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2080945521593094},{"word":"have","start":255.59,"end":255.75,"confidence":0.7558594,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20304951071739197},{"word":"you","start":255.75,"end":255.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2531551718711853},{"word":"found","start":255.91,"end":256.15,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.23401297628879547},{"word":"it","start":256.15,"end":256.31,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28411203622817993},{"word":"so","start":256.31,"end":256.47,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2110876590013504},{"word":"far","start":256.47,"end":256.97,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.2685447931289673},{"word":"yep","start":263.74503,"end":264.14502,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2153890430927277},{"word":"so","start":264.14502,"end":264.30502,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15803247690200806},{"word":"it's","start":264.30502,"end":264.80502,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2066202163696289},{"word":"part","start":265.02502,"end":265.18503,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.216182604432106},{"word":"of","start":265.18503,"end":265.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22633689641952515},{"word":"the","start":265.345,"end":265.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27252858877182007},{"word":"surplus","start":265.505,"end":265.98502,"confidence":1.0,"punctuated_word":"surplus","sentiment":"neutral","sentiment_score":0.24110552668571472},{"word":"there","start":265.98502,"end":266.225,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.18208974599838257},{"word":"it's","start":266.225,"end":266.385,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14100173115730286},{"word":"not","start":266.385,"end":266.625,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07878775894641876},{"word":"something","start":266.625,"end":266.945,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.06454961746931076},{"word":"that","start":266.945,"end":267.02502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061463117599487305},{"word":"you","start":267.02502,"end":267.18503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10322201997041702},{"word":"need","start":267.18503,"end":267.345,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05256972461938858},{"word":"to","start":267.345,"end":267.42502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051149871200323105},{"word":"kind","start":267.42502,"end":267.665,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0650438666343689},{"word":"of","start":267.665,"end":267.825,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08552749454975128},{"word":"sell","start":267.825,"end":267.98502,"confidence":0.9921875,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.09044243395328522},{"word":"down","start":267.98502,"end":268.225,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08003793656826019},{"word":"or","start":268.225,"end":268.385,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.053788989782333374},{"word":"access","start":268.385,"end":268.70502,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.050881993025541306},{"word":"in","start":268.70502,"end":268.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.062290843576192856},{"word":"the","start":268.945,"end":269.02502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11141155660152437},{"word":"next","start":269.02502,"end":269.265,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.053410544991493225},{"word":"twelve","start":269.265,"end":269.58502,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.056854020804166794},{"word":"months","start":269.58502,"end":269.90503,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.043637990951538086},{"word":"or","start":269.90503,"end":270.065,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05627252906560898},{"word":"so","start":270.065,"end":270.54,"confidence":0.96972656,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.05808281525969505},{"word":"perfect","start":273.18002,"end":273.66,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.22448265552520752},{"word":"and","start":273.66,"end":273.9,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09955546259880066},{"word":"the","start":273.9,"end":274.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06936449557542801},{"word":"last","start":274.06,"end":274.30002,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05221763998270035},{"word":"couple","start":274.30002,"end":274.46002,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05220465362071991},{"word":"of","start":274.46002,"end":274.96002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06062886863946915},{"word":"questions","start":275.02002,"end":275.42,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07838697731494904},{"word":"on","start":275.42,"end":275.58002,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028749339282512665},{"word":"assets","start":275.58002,"end":275.98,"confidence":0.9614258,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.027097923681139943},{"word":"and","start":275.98,"end":276.14,"confidence":0.88134766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02728588879108429},{"word":"liabilities","start":276.14,"end":276.64,"confidence":0.87475586,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.033946454524993896},{"word":"you","start":277.1,"end":277.42,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03478727117180824},{"word":"had","start":277.42,"end":277.92,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.007555147632956505},{"word":"90,000","start":278.22,"end":278.94,"confidence":1.0,"punctuated_word":"90,000","sentiment":"neutral","sentiment_score":0.02833749912679195},{"word":"in","start":278.94,"end":279.18,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03320767357945442},{"word":"sort","start":279.18,"end":279.42,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.021913889795541763},{"word":"of","start":279.42,"end":279.58002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024493826553225517},{"word":"home","start":279.58002,"end":279.98,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0173979289829731},{"word":"contents","start":279.98,"end":280.48,"confidence":0.97509766,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.0471188947558403},{"word":"and","start":280.86002,"end":281.18,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03090786188840866},{"word":"no","start":281.18,"end":281.42,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.03273797780275345},{"word":"other","start":281.42,"end":281.66,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.007820859551429749},{"word":"kind","start":281.66,"end":281.9,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.012046538293361664},{"word":"of","start":281.9,"end":282.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028861697763204575},{"word":"personal","start":282.06,"end":282.54,"confidence":0.99902344,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.00697655975818634},{"word":"loans","start":282.54,"end":282.78,"confidence":0.99902344,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.000043433159589767456},{"word":"or","start":282.78,"end":282.94,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014448516070842745},{"word":"anything","start":282.94,"end":283.26,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04313213750720024},{"word":"like","start":283.26,"end":283.42,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.010984748601913452},{"word":"that","start":283.42,"end":283.58002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06163706257939339},{"word":"that","start":283.58002,"end":283.74002,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0508437305688858},{"word":"we","start":283.74002,"end":283.9,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06015753000974655},{"word":"had","start":283.9,"end":284.14,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06909704208374023},{"word":"listed","start":284.14,"end":284.54,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.1041109263896942},{"word":"down","start":284.54,"end":284.955,"confidence":0.9951172,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.06651760637760162},{"word":"perfect","start":288.155,"end":288.655,"confidence":0.9863281,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4139903783798218},{"word":"alrighty","start":288.79498,"end":289.29498,"confidence":0.9996745,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.1863611340522766},{"word":"now","start":289.435,"end":289.75497,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08708794414997101},{"word":"i","start":289.75497,"end":289.835,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051590777933597565},{"word":"might","start":289.835,"end":290.07498,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06713077425956726},{"word":"just","start":290.07498,"end":290.235,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.054308079183101654},{"word":"quickly","start":290.235,"end":290.47498,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.056492649018764496},{"word":"touch","start":290.47498,"end":290.79498,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.052264660596847534},{"word":"on","start":290.79498,"end":290.955,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06206628307700157},{"word":"the","start":290.955,"end":291.19498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05641310289502144},{"word":"the","start":291.19498,"end":291.435,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06616801023483276},{"word":"commsec","start":291.435,"end":291.91498,"confidence":0.71875,"punctuated_word":"CommSec","sentiment":"neutral","sentiment_score":0.0615091398358345},{"word":"side","start":291.91498,"end":292.155,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07145410776138306},{"word":"of","start":292.155,"end":292.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08864189684391022},{"word":"things","start":292.235,"end":292.555,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09618581831455232},{"word":"at","start":292.555,"end":292.715,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05052851140499115},{"word":"the","start":292.715,"end":292.79498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07160365581512451},{"word":"moment","start":292.79498,"end":293.29498,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.06583435088396072},{"word":"now","start":293.51498,"end":294.01498,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02064479328691959},{"word":"were","start":294.31497,"end":294.47498,"confidence":0.9951172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.016127584502100945},{"word":"you","start":294.47498,"end":294.63498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036043256521224976},{"word":"able","start":294.63498,"end":294.875,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.05115256458520889},{"word":"to","start":294.875,"end":294.955,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04306518658995629},{"word":"kind","start":294.955,"end":295.115,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0562877282500267},{"word":"of","start":295.115,"end":295.35498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05396294593811035},{"word":"pick","start":295.35498,"end":295.59497,"confidence":0.9980469,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.05248234793543816},{"word":"your","start":295.59497,"end":295.91498,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04810049384832382},{"word":"own","start":295.91498,"end":296.41498,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.05225372314453125},{"word":"etf","start":296.63498,"end":297.115,"confidence":0.99902344,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.042596958577632904},{"word":"investments","start":297.115,"end":297.615,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03503692150115967},{"word":"from","start":298.07498,"end":298.31497,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03969011455774307},{"word":"your","start":298.31497,"end":298.47498,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03620481118559837},{"word":"own","start":298.47498,"end":298.63498,"confidence":0.99316406,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.035054631531238556},{"word":"research","start":298.63498,"end":299.13498,"confidence":0.9975586,"punctuated_word":"research?","sentiment":"neutral","sentiment_score":0.03535931557416916},{"word":"how","start":299.19498,"end":299.35498,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.010640544816851616},{"word":"did","start":299.35498,"end":299.51498,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.022878289222717285},{"word":"you","start":299.51498,"end":299.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03208644315600395},{"word":"kind","start":299.675,"end":299.91498,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04199103266000748},{"word":"of","start":299.91498,"end":300.07498,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04005349799990654},{"word":"come","start":300.07498,"end":300.155,"confidence":0.9951172,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03691161423921585},{"word":"up","start":300.155,"end":300.31497,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03967363014817238},{"word":"with","start":300.31497,"end":300.555,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.038030289113521576},{"word":"what","start":300.555,"end":300.715,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04422357678413391},{"word":"to","start":300.715,"end":300.93,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0404900535941124},{"word":"put","start":309.33,"end":309.83,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07126587629318237},{"word":"them","start":311.65,"end":311.9,"confidence":0.9921875,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.051088061183691025},{"word":"in","start":311.9,"end":312.4,"confidence":0.99121094,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.0392354317009449},{"word":"yep","start":318.86502,"end":319.265,"confidence":0.8845215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06832903623580933},{"word":"so","start":319.265,"end":319.42502,"confidence":0.74658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042823269963264465},{"word":"a","start":319.42502,"end":319.505,"confidence":0.90478516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051139868795871735},{"word":"bit","start":319.505,"end":319.745,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05279252678155899},{"word":"of","start":319.745,"end":319.825,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05857720971107483},{"word":"a","start":319.825,"end":319.98502,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04972723498940468},{"word":"spread","start":319.98502,"end":320.305,"confidence":1.0,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.041845716536045074},{"word":"across","start":320.305,"end":320.545,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.0540185272693634},{"word":"a","start":320.545,"end":320.625,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0582994744181633},{"word":"few","start":320.625,"end":320.86502,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05507957190275192},{"word":"different","start":320.86502,"end":321.185,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.039110492914915085},{"word":"ones","start":321.185,"end":321.685,"confidence":0.99658203,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":0.052339911460876465},{"word":"perfect","start":325.28,"end":325.6,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3839121460914612},{"word":"and","start":325.6,"end":325.84,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08717643469572067},{"word":"did","start":325.84,"end":326.0,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07603881508111954},{"word":"you","start":326.0,"end":326.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09880422800779344},{"word":"just","start":326.16,"end":326.31998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11627371609210968},{"word":"go","start":326.31998,"end":326.47998,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13554275035858154},{"word":"for","start":326.47998,"end":326.63998,"confidence":0.9658203,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.11214818060398102},{"word":"like","start":326.63998,"end":326.88,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1088295951485634},{"word":"a","start":326.88,"end":327.03998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.115813210606575},{"word":"standard","start":327.03998,"end":327.44,"confidence":1.0,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.111179918050766},{"word":"kind","start":327.44,"end":327.52,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.14611057937145233},{"word":"of","start":327.52,"end":328.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1585622876882553},{"word":"vanguard","start":328.24,"end":328.74,"confidence":0.8510742,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.11435097455978394},{"word":"funds","start":328.88,"end":329.28,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1379312127828598},{"word":"for","start":329.28,"end":329.44,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12278079241514206},{"word":"all","start":329.44,"end":329.68,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1840485781431198},{"word":"three","start":329.68,"end":329.84,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1342872977256775},{"word":"of","start":329.84,"end":330.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14065273106098175},{"word":"those","start":330.0,"end":330.5,"confidence":0.99902344,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.10444636642932892},{"word":"amazing","start":332.8,"end":333.28,"confidence":0.9975586,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.6167970895767212},{"word":"so","start":333.28,"end":333.75998,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6077561974525452},{"word":"nice","start":333.75998,"end":334.0,"confidence":0.9980469,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6506902575492859},{"word":"and","start":334.0,"end":334.24,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.615826427936554},{"word":"low","start":334.24,"end":334.47998,"confidence":1.0,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.5392937660217285},{"word":"fee","start":334.47998,"end":334.72,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.5882681012153625},{"word":"there","start":334.72,"end":335.22,"confidence":0.98950195,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5718212127685547},{"word":"brokerage","start":335.28,"end":335.78,"confidence":0.98779297,"punctuated_word":"Brokerage","sentiment":"neutral","sentiment_score":0.12500278651714325},{"word":"isn't","start":335.84,"end":336.16,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.07037104666233063},{"word":"usually","start":336.16,"end":336.56,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.05305465683341026},{"word":"too","start":336.56,"end":336.8,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.011638976633548737},{"word":"much","start":336.8,"end":337.3,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.06429866701364517},{"word":"when","start":338.0,"end":338.16,"confidence":0.82128906,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.004979684948921204},{"word":"it","start":338.16,"end":338.4,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01632424257695675},{"word":"comes","start":338.4,"end":338.72,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.015248924493789673},{"word":"to","start":338.72,"end":339.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019636347889900208},{"word":"the","start":339.12,"end":339.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03042958118021488},{"word":"investing","start":339.36,"end":339.84,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.03989140689373016},{"word":"side","start":339.84,"end":340.0,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.043745748698711395},{"word":"of","start":340.0,"end":340.16,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043944574892520905},{"word":"things","start":340.16,"end":340.66,"confidence":0.99902344,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.050593554973602295},{"word":"i","start":340.905,"end":341.065,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033751554787158966},{"word":"guess","start":341.065,"end":341.305,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.009024735540151596},{"word":"the","start":341.305,"end":341.385,"confidence":0.8935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005949066951870918},{"word":"way","start":341.385,"end":341.625,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08781388401985168},{"word":"i","start":341.625,"end":341.705,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09494531899690628},{"word":"can","start":341.705,"end":341.945,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06677556782960892},{"word":"explain","start":341.945,"end":342.345,"confidence":1.0,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.072289377450943},{"word":"the","start":342.345,"end":342.585,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07876841723918915},{"word":"landscape","start":342.585,"end":343.065,"confidence":1.0,"punctuated_word":"landscape","sentiment":"neutral","sentiment_score":0.09435996413230896},{"word":"for","start":343.065,"end":343.305,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09048424661159515},{"word":"you","start":343.305,"end":343.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08063763380050659},{"word":"is","start":343.945,"end":344.445,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09373829513788225},{"word":"your","start":344.585,"end":345.085,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2260850220918655},{"word":"comsec","start":345.145,"end":345.545,"confidence":0.7158203,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.25175192952156067},{"word":"accounts","start":345.545,"end":345.945,"confidence":0.79589844,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.2555175721645355},{"word":"nav","start":345.945,"end":346.26498,"confidence":0.35913086,"punctuated_word":"nav","sentiment":"neutral","sentiment_score":0.2889389991760254},{"word":"trade","start":346.26498,"end":346.585,"confidence":0.8720703,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":0.19772028923034668},{"word":"accounts","start":346.585,"end":347.085,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.19102463126182556},{"word":"give","start":347.305,"end":347.545,"confidence":0.65771484,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.21749693155288696},{"word":"you","start":347.545,"end":347.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20902951061725616},{"word":"access","start":347.705,"end":348.105,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2041478157043457},{"word":"to","start":348.105,"end":348.26498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2474868595600128},{"word":"the","start":348.26498,"end":348.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2132524400949478},{"word":"shares","start":348.505,"end":349.005,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.2508810758590698},{"word":"and","start":349.145,"end":349.305,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24876326322555545},{"word":"the","start":349.305,"end":349.54498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28463807702064514},{"word":"etfs","start":349.54498,"end":350.04498,"confidence":0.92252606,"punctuated_word":"ETFs.","sentiment":"neutral","sentiment_score":0.17389443516731262},{"word":"and","start":350.425,"end":350.585,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.27159562706947327},{"word":"it's","start":350.585,"end":350.825,"confidence":0.9736328,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2965984642505646},{"word":"a","start":350.825,"end":350.905,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6809157133102417},{"word":"really","start":350.905,"end":351.225,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7460905313491821},{"word":"good","start":351.225,"end":351.465,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6953945755958557},{"word":"starting","start":351.465,"end":351.865,"confidence":1.0,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.7087767124176025},{"word":"point","start":351.865,"end":352.105,"confidence":1.0,"punctuated_word":"point","sentiment":"positive","sentiment_score":0.8094799518585205},{"word":"because","start":352.105,"end":352.425,"confidence":0.9223633,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.6190434694290161},{"word":"all","start":352.425,"end":352.505,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6498602032661438},{"word":"you're","start":352.505,"end":352.825,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6736512184143066},{"word":"really","start":352.825,"end":352.985,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.32863569259643555},{"word":"worried","start":352.985,"end":353.305,"confidence":1.0,"punctuated_word":"worried","sentiment":"positive","sentiment_score":0.4467287063598633},{"word":"about","start":353.305,"end":353.805,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.307711124420166},{"word":"is","start":353.945,"end":354.105,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4660721123218536},{"word":"a","start":354.105,"end":354.185,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48224979639053345},{"word":"bit","start":354.185,"end":354.345,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.41228264570236206},{"word":"of","start":354.345,"end":354.505,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5080930590629578},{"word":"brokerage","start":354.505,"end":354.985,"confidence":0.9892578,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":0.16429421305656433},{"word":"fee","start":354.985,"end":355.385,"confidence":0.9980469,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.33062171936035156},{"word":"to","start":355.385,"end":355.54498,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40586769580841064},{"word":"purchase","start":355.54498,"end":356.025,"confidence":1.0,"punctuated_word":"purchase","sentiment":"positive","sentiment_score":0.4318126142024994},{"word":"them","start":356.025,"end":356.4,"confidence":0.99853516,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.45786231756210327},{"word":"from","start":357.75998,"end":358.0,"confidence":0.99902344,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.1884620040655136},{"word":"that","start":358.0,"end":358.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19379347562789917},{"word":"point","start":358.24,"end":358.74,"confidence":0.99902344,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.20692524313926697},{"word":"fees","start":358.8,"end":359.12,"confidence":0.98291016,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.16915127635002136},{"word":"ongoing","start":359.12,"end":359.62,"confidence":0.9951172,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1837304979562759},{"word":"are","start":359.68,"end":359.84,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2507196068763733},{"word":"pretty","start":359.84,"end":360.0,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.26137620210647583},{"word":"well","start":360.0,"end":360.5,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.25665074586868286},{"word":"minimal","start":360.56,"end":361.06,"confidence":0.89501953,"punctuated_word":"minimal,","sentiment":"neutral","sentiment_score":0.13128447532653809},{"word":"if","start":361.28,"end":361.6,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23465341329574585},{"word":"not","start":361.6,"end":361.91998,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.20942941308021543},{"word":"nothing","start":361.91998,"end":362.41998,"confidence":0.6447754,"punctuated_word":"nothing,","sentiment":"neutral","sentiment_score":0.20569568872451785},{"word":"and","start":362.63998,"end":362.8,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2443932294845581},{"word":"then","start":362.8,"end":362.96,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4035412073135376},{"word":"you're","start":362.96,"end":363.19998,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3148692548274994},{"word":"just","start":363.19998,"end":363.36,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32412537932395935},{"word":"trying","start":363.36,"end":363.68,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.35441580414772034},{"word":"to","start":363.68,"end":363.75998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3842239379882813},{"word":"get","start":363.75998,"end":363.91998,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.33525729179382324},{"word":"those","start":363.91998,"end":364.16,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.39051780104637146},{"word":"funds","start":364.16,"end":364.47998,"confidence":1.0,"punctuated_word":"funds","sentiment":"positive","sentiment_score":0.39342570304870605},{"word":"to","start":364.47998,"end":364.72,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4014994502067566},{"word":"grow","start":364.72,"end":365.22,"confidence":1.0,"punctuated_word":"grow.","sentiment":"positive","sentiment_score":0.35079893469810486},{"word":"the","start":365.28,"end":365.52,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06742973625659943},{"word":"only","start":365.52,"end":365.75998,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.08506233990192413},{"word":"thing","start":365.75998,"end":365.91998,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12775954604148865},{"word":"that","start":365.91998,"end":366.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12888087332248688},{"word":"you","start":366.16,"end":366.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1261732131242752},{"word":"would","start":366.24,"end":366.47998,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07885147631168365},{"word":"kind","start":366.47998,"end":366.72,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07342343032360077},{"word":"of","start":366.72,"end":366.88,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08015689253807068},{"word":"do","start":366.88,"end":367.19998,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07069118320941925},{"word":"differently","start":367.19998,"end":367.69998,"confidence":1.0,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":0.03756655752658844},{"word":"from","start":367.84,"end":368.34,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.050228457897901535},{"word":"your","start":368.695,"end":369.015,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06720275431871414},{"word":"trading","start":369.015,"end":369.415,"confidence":1.0,"punctuated_word":"trading","sentiment":"neutral","sentiment_score":0.12528198957443237},{"word":"account","start":369.415,"end":369.915,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07562591135501862},{"word":"is","start":370.45502,"end":370.775,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02603702992200851},{"word":"using","start":370.775,"end":371.255,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.04680493474006653},{"word":"managed","start":371.255,"end":371.73502,"confidence":0.7368164,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.06595209240913391},{"word":"funds","start":371.73502,"end":372.23502,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09990481287240982},{"word":"and","start":372.295,"end":372.535,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07588791847229004},{"word":"actual","start":372.535,"end":373.015,"confidence":1.0,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":0.08405151963233948},{"word":"platforms","start":373.015,"end":373.515,"confidence":0.99902344,"punctuated_word":"platforms","sentiment":"neutral","sentiment_score":0.1048833355307579},{"word":"to","start":374.055,"end":374.135,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04755239561200142},{"word":"get","start":374.135,"end":374.375,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05464325100183487},{"word":"access","start":374.375,"end":374.855,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.08474330604076385},{"word":"to","start":374.855,"end":375.335,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08603847026824951},{"word":"either","start":375.335,"end":375.835,"confidence":0.99902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.10297707468271255},{"word":"management","start":375.895,"end":376.395,"confidence":0.9890137,"punctuated_word":"management,","sentiment":"neutral","sentiment_score":0.07550042867660522},{"word":"for","start":377.015,"end":377.255,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04171328991651535},{"word":"example","start":377.255,"end":377.73502,"confidence":0.9909668,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.06256972253322601},{"word":"from","start":377.73502,"end":377.895,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.04681708663702011},{"word":"us","start":377.895,"end":378.395,"confidence":0.8125,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.048467498272657394},{"word":"or","start":378.615,"end":379.115,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05381563678383827},{"word":"other","start":379.255,"end":379.575,"confidence":0.9614258,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.052075501531362534},{"word":"investment","start":379.575,"end":380.055,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.036045316606760025},{"word":"options","start":380.055,"end":380.555,"confidence":0.9951172,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.07434605062007904},{"word":"asset","start":380.615,"end":381.015,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.07640442997217178},{"word":"classes","start":381.015,"end":381.415,"confidence":0.9848633,"punctuated_word":"classes,","sentiment":"neutral","sentiment_score":0.0886063426733017},{"word":"and","start":381.415,"end":381.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05945524573326111},{"word":"things","start":381.655,"end":381.975,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.049433134496212006},{"word":"like","start":381.975,"end":382.215,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05114378035068512},{"word":"that","start":382.215,"end":382.71,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08982538431882858},{"word":"so","start":384.22998,"end":384.47,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1344427466392517},{"word":"one","start":384.47,"end":384.71,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15005794167518616},{"word":"of","start":384.71,"end":384.78998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15553432703018188},{"word":"the","start":384.78998,"end":384.94998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17148961126804352},{"word":"examples","start":384.94998,"end":385.35,"confidence":0.99902344,"punctuated_word":"examples","sentiment":"neutral","sentiment_score":0.14740559458732605},{"word":"i","start":385.35,"end":385.43,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20317476987838745},{"word":"can","start":385.43,"end":385.66998,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.237069234251976},{"word":"give","start":385.66998,"end":385.83,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.20266009867191315},{"word":"you","start":385.83,"end":386.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2078283727169037},{"word":"is","start":386.31,"end":386.55,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21342162787914276},{"word":"that","start":386.55,"end":386.78998,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2435658723115921},{"word":"your","start":386.78998,"end":387.11,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28813907504081726},{"word":"superfund","start":387.11,"end":387.61,"confidence":0.79711914,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.2364412099123001},{"word":"hub","start":387.66998,"end":387.99,"confidence":0.47143555,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.24005134403705597},{"word":"twenty","start":387.99,"end":388.22998,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2130175679922104},{"word":"four","start":388.22998,"end":388.71,"confidence":0.9975586,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.17451563477516174},{"word":"they","start":388.71,"end":389.11,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1896236538887024},{"word":"offer","start":389.11,"end":389.59,"confidence":1.0,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.19835633039474487},{"word":"investment","start":389.59,"end":390.09,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1381768435239792},{"word":"accounts","start":390.15,"end":390.47,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.12535294890403748},{"word":"which","start":390.47,"end":390.63,"confidence":0.7998047,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19547399878501892},{"word":"are","start":390.63,"end":390.87,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1607878804206848},{"word":"identical","start":390.87,"end":391.37,"confidence":1.0,"punctuated_word":"identical","sentiment":"neutral","sentiment_score":0.171820729970932},{"word":"to","start":391.99,"end":392.22998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2015041261911392},{"word":"your","start":392.22998,"end":392.47,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15784023702144623},{"word":"super","start":392.47,"end":392.87,"confidence":0.9707031,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16470278799533844},{"word":"account","start":392.87,"end":393.37,"confidence":0.9790039,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1603018045425415},{"word":"just","start":393.43,"end":393.75,"confidence":0.5180664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1548212766647339},{"word":"held","start":393.75,"end":394.06998,"confidence":1.0,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.1294766068458557},{"word":"personally","start":394.06998,"end":394.56998,"confidence":1.0,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":0.1806166172027588},{"word":"in","start":394.63,"end":394.78998,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1382325291633606},{"word":"your","start":394.78998,"end":395.03,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16522572934627533},{"word":"name","start":395.03,"end":395.43,"confidence":0.9108887,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.14794257283210754},{"word":"and","start":395.43,"end":395.66998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1666274517774582},{"word":"they've","start":395.66998,"end":395.83,"confidence":1.0,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.19069352746009827},{"word":"got","start":395.83,"end":396.06998,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1653253436088562},{"word":"all","start":396.06998,"end":396.22998,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17078746855258942},{"word":"the","start":396.22998,"end":396.38998,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11244436353445052},{"word":"same","start":396.38998,"end":396.63,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.16998600959777832},{"word":"investment","start":396.63,"end":397.13,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07450520992279053},{"word":"options","start":397.19,"end":397.635,"confidence":0.83496094,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.08425308763980865},{"word":"1,000","start":397.795,"end":398.27502,"confidence":0.9995117,"punctuated_word":"1,000","sentiment":"neutral","sentiment_score":0.06761228293180466},{"word":"300","start":398.27502,"end":398.755,"confidence":1.0,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.13997513055801392},{"word":"options","start":398.755,"end":399.255,"confidence":0.9099121,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.13008731603622437},{"word":"all","start":399.475,"end":399.715,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20671382546424863},{"word":"the","start":399.715,"end":399.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1821913719177246},{"word":"shares","start":399.875,"end":400.195,"confidence":0.99194336,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.16515567898750305},{"word":"etfs","start":400.195,"end":400.67502,"confidence":0.96744794,"punctuated_word":"ETFs,","sentiment":"neutral","sentiment_score":0.15549615025520325},{"word":"everything","start":400.67502,"end":400.995,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.23359066247940063},{"word":"you","start":400.995,"end":401.315,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18850329518318176},{"word":"kind","start":401.315,"end":401.635,"confidence":0.609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1762535274028778},{"word":"of","start":401.635,"end":401.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20886565744876864},{"word":"want","start":401.795,"end":402.295,"confidence":0.7668457,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.23080912232398987},{"word":"and","start":402.435,"end":402.67502,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23196952044963837},{"word":"you","start":402.67502,"end":402.83502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28891855478286743},{"word":"can","start":402.83502,"end":403.075,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29675787687301636},{"word":"pretty","start":403.075,"end":403.315,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.23038193583488464},{"word":"much","start":403.315,"end":403.55502,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22066256403923035},{"word":"have","start":403.55502,"end":403.715,"confidence":0.9338379,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.2028396725654602},{"word":"like","start":403.715,"end":403.95502,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1923317164182663},{"word":"a","start":403.95502,"end":404.11502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22831955552101135},{"word":"super","start":404.11502,"end":404.435,"confidence":0.9790039,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22012418508529663},{"word":"account","start":404.435,"end":404.67502,"confidence":0.9892578,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.19571855664253235},{"word":"and","start":404.67502,"end":404.83502,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21614673733711243},{"word":"an","start":404.83502,"end":405.075,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22943705320358276},{"word":"investment","start":405.075,"end":405.55502,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1420678198337555},{"word":"account","start":405.55502,"end":405.875,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.16658365726470947},{"word":"alongside","start":405.875,"end":406.375,"confidence":0.9980469,"punctuated_word":"alongside","sentiment":"neutral","sentiment_score":0.18595364689826965},{"word":"each","start":406.515,"end":406.755,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.21199306845664975},{"word":"other","start":406.755,"end":407.23502,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2083355337381363},{"word":"on","start":407.23502,"end":407.39502,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1804295927286148},{"word":"the","start":407.39502,"end":407.55502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17684172093868256},{"word":"same","start":407.55502,"end":407.795,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.25530481338500977},{"word":"login","start":407.795,"end":408.195,"confidence":0.763916,"punctuated_word":"login,","sentiment":"neutral","sentiment_score":0.19856828451156616},{"word":"if","start":408.195,"end":408.355,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.25316327810287476},{"word":"that","start":408.355,"end":408.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22673504054546356},{"word":"makes","start":408.515,"end":408.755,"confidence":0.99316406,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.16942401230335236},{"word":"sense","start":408.755,"end":409.255,"confidence":0.9995117,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.12982824444770813},{"word":"so","start":410.85,"end":411.16998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21043682098388672},{"word":"we","start":411.16998,"end":411.33,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.255144327878952},{"word":"do","start":411.33,"end":411.57,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2663913369178772},{"word":"do","start":411.57,"end":411.72998,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2696702480316162},{"word":"a","start":411.72998,"end":411.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27851200103759766},{"word":"lot","start":411.81,"end":412.05,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2299281060695648},{"word":"of","start":412.05,"end":412.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23276613652706143},{"word":"that","start":412.13,"end":412.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25381216406822205},{"word":"for","start":412.37,"end":412.61,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1838827133178711},{"word":"clients","start":412.61,"end":413.00998,"confidence":0.7548828,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":0.1918419897556305},{"word":"but","start":413.00998,"end":413.25,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14814215898513794},{"word":"when","start":413.25,"end":413.41,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1699736714363098},{"word":"you've","start":413.41,"end":413.65,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.22278694808483124},{"word":"got","start":413.65,"end":413.88998,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.23989686369895935},{"word":"a","start":413.88998,"end":414.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2624761462211609},{"word":"platform","start":414.13,"end":414.53,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.23242954909801483},{"word":"like","start":414.53,"end":414.85,"confidence":0.98535156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.32745835185050964},{"word":"hub","start":414.85,"end":415.09,"confidence":0.8232422,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.27619287371635437},{"word":"24","start":415.09,"end":415.91,"confidence":0.99438477,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.3241586685180664},{"word":"that","start":416.13,"end":416.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2636623680591583},{"word":"was","start":416.37,"end":416.61,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2731257677078247},{"word":"kind","start":416.61,"end":416.85,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.26264479756355286},{"word":"of","start":416.85,"end":417.00998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26381179690361023},{"word":"chosen","start":417.00998,"end":417.33,"confidence":1.0,"punctuated_word":"chosen","sentiment":"neutral","sentiment_score":0.28209811449050903},{"word":"for","start":417.33,"end":417.49,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.268416166305542},{"word":"you","start":417.49,"end":417.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3060643672943115},{"word":"because","start":417.65,"end":417.97,"confidence":0.9741211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.25971829891204834},{"word":"you've","start":417.97,"end":418.13,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3779544234275818},{"word":"got","start":418.13,"end":418.28998,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3896016776561737},{"word":"such","start":418.28998,"end":418.53,"confidence":1.0,"punctuated_word":"such","sentiment":"positive","sentiment_score":0.44775447249412537},{"word":"a","start":418.53,"end":418.61,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3888628482818603},{"word":"good","start":418.61,"end":418.93,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4004005193710327},{"word":"balance","start":418.93,"end":419.43,"confidence":0.8737793,"punctuated_word":"balance.","sentiment":"positive","sentiment_score":0.3748340606689453},{"word":"you","start":419.57,"end":419.81,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.26223185658454895},{"word":"can","start":419.81,"end":419.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.311942458152771},{"word":"kind","start":419.97,"end":420.13,"confidence":0.99902344,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.33662649989128113},{"word":"of","start":420.13,"end":420.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30411580204963684},{"word":"afford","start":420.37,"end":420.69,"confidence":1.0,"punctuated_word":"afford","sentiment":"positive","sentiment_score":0.3861808776855469},{"word":"to","start":420.69,"end":420.85,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29067420959472656},{"word":"get","start":420.85,"end":421.00998,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3119691014289856},{"word":"the","start":421.00998,"end":421.16998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29742953181266785},{"word":"fancier","start":421.16998,"end":421.66998,"confidence":0.99902344,"punctuated_word":"fancier","sentiment":"positive","sentiment_score":0.35091209411621094},{"word":"platform","start":421.72998,"end":422.22998,"confidence":1.0,"punctuated_word":"platform","sentiment":"positive","sentiment_score":0.3788057267665863},{"word":"with","start":422.415,"end":422.655,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.396726667881012},{"word":"all","start":422.655,"end":422.815,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4248032569885254},{"word":"the","start":422.815,"end":422.89502,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3671189844608307},{"word":"bells","start":422.89502,"end":423.295,"confidence":0.99902344,"punctuated_word":"bells,","sentiment":"positive","sentiment_score":0.3873822689056397},{"word":"whistles","start":423.295,"end":423.775,"confidence":0.99104816,"punctuated_word":"whistles,","sentiment":"positive","sentiment_score":0.3913671970367432},{"word":"features","start":423.775,"end":424.095,"confidence":0.94750977,"punctuated_word":"features,","sentiment":"positive","sentiment_score":0.3511228561401367},{"word":"and","start":424.095,"end":424.33502,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34530195593833923},{"word":"options","start":424.33502,"end":424.83502,"confidence":0.99853516,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.28877466917037964},{"word":"it's","start":425.135,"end":425.45502,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07575376331806183},{"word":"not","start":425.45502,"end":425.695,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03994019329547882},{"word":"something","start":425.695,"end":426.015,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.028642408549785617},{"word":"that","start":426.015,"end":426.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.055968135595321655},{"word":"you","start":426.255,"end":426.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06881514191627502},{"word":"would","start":426.415,"end":426.575,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02192114293575287},{"word":"do","start":426.575,"end":426.815,"confidence":0.96972656,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.016232997179031372},{"word":"for","start":426.815,"end":426.975,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07160386443138123},{"word":"example","start":426.975,"end":427.375,"confidence":0.9980469,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.024673916399478912},{"word":"with","start":427.375,"end":427.61502,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04567620158195496},{"word":"13,000","start":427.61502,"end":428.595,"confidence":0.99316406,"punctuated_word":"13,000.","sentiment":"neutral","sentiment_score":0.07909039407968521},{"word":"we","start":428.73502,"end":428.975,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10156308114528656},{"word":"usually","start":428.975,"end":429.375,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.14322936534881592},{"word":"start","start":429.375,"end":429.695,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.14455488324165344},{"word":"off","start":429.695,"end":429.855,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.10856664180755617},{"word":"people","start":429.855,"end":430.095,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.1181134432554245},{"word":"in","start":430.095,"end":430.255,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1268554925918579},{"word":"those","start":430.255,"end":430.655,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1242661252617836},{"word":"accounts","start":430.655,"end":431.055,"confidence":0.9921875,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.11881671845912932},{"word":"at","start":431.055,"end":431.215,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09082338213920592},{"word":"about","start":431.215,"end":431.61502,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03693876415491104},{"word":"50","start":431.61502,"end":431.855,"confidence":1.0,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.06880660355091095},{"word":"or","start":431.855,"end":432.095,"confidence":0.98291016,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06994342058897018},{"word":"80,000","start":432.095,"end":432.915,"confidence":0.9995117,"punctuated_word":"80,000.","sentiment":"neutral","sentiment_score":0.10452398657798768},{"word":"so","start":434.75,"end":434.99,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.408935546875},{"word":"one","start":434.99,"end":435.15,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5261270999908447},{"word":"of","start":435.15,"end":435.31,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.430389404296875},{"word":"the","start":435.31,"end":435.38998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4898797869682312},{"word":"things","start":435.38998,"end":435.55,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5388633012771606},{"word":"that","start":435.55,"end":435.71,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.49979156255722046},{"word":"we","start":435.71,"end":435.87,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4566564261913299},{"word":"tend","start":435.87,"end":436.11,"confidence":1.0,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.4383039176464081},{"word":"to","start":436.11,"end":436.19,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3602219521999359},{"word":"do","start":436.19,"end":436.50998,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.43486496806144714},{"word":"is","start":436.50998,"end":437.00998,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.42856672406196594},{"word":"starting","start":438.03,"end":438.43,"confidence":0.8774414,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.49930539727211},{"word":"off","start":438.43,"end":438.59,"confidence":0.99902344,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.4637573957443238},{"word":"yourself","start":438.59,"end":438.99,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.5822221040725708},{"word":"in","start":438.99,"end":439.22998,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4755571186542511},{"word":"a","start":439.22998,"end":439.38998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.52534019947052},{"word":"comsec","start":439.38998,"end":439.78998,"confidence":0.7211914,"punctuated_word":"Comsec","sentiment":"positive","sentiment_score":0.4223564863204956},{"word":"account","start":439.78998,"end":440.11,"confidence":1.0,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.5265128016471863},{"word":"is","start":440.11,"end":440.27,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.540192723274231},{"word":"a","start":440.27,"end":440.43,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5648927688598633},{"word":"great","start":440.43,"end":440.59,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6586251854896545},{"word":"way","start":440.59,"end":440.75,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5643552541732788},{"word":"to","start":440.75,"end":440.91,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.509918212890625},{"word":"get","start":440.91,"end":441.15,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5174011588096619},{"word":"rolling","start":441.15,"end":441.65,"confidence":0.9519043,"punctuated_word":"rolling.","sentiment":"positive","sentiment_score":0.5572423934936523},{"word":"and","start":441.71,"end":441.87,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.283937007188797},{"word":"then","start":441.87,"end":442.11,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2450810819864273},{"word":"once","start":442.11,"end":442.35,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2711712121963501},{"word":"you","start":442.35,"end":442.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2350287139415741},{"word":"build","start":442.43,"end":442.75,"confidence":0.9980469,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2585334777832031},{"word":"up","start":442.75,"end":442.91,"confidence":0.9921875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24574153125286105},{"word":"to","start":442.91,"end":443.07,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2848702371120453},{"word":"a","start":443.07,"end":443.22998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23251347243785855},{"word":"certain","start":443.22998,"end":443.55,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.21248337626457217},{"word":"amount","start":443.55,"end":444.03,"confidence":1.0,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.23276852071285248},{"word":"you","start":444.03,"end":444.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21909040212631223},{"word":"can","start":444.19,"end":444.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1964030563831329},{"word":"then","start":444.35,"end":444.59,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1960504949092865},{"word":"look","start":444.59,"end":444.83,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1610822081565857},{"word":"at","start":444.83,"end":445.07,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1465463936328888},{"word":"either","start":445.07,"end":445.57,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.2110150158405304},{"word":"a","start":445.78998,"end":445.94998,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2082211971282959},{"word":"managed","start":445.94998,"end":446.43,"confidence":0.9760742,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.18691925704479215},{"word":"platform","start":446.43,"end":446.93,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.2071908712387085},{"word":"or","start":447.31,"end":447.78998,"confidence":0.73339844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19008596241474152},{"word":"hub","start":447.78998,"end":447.94998,"confidence":0.5131836,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2377788871526718},{"word":"24","start":447.94998,"end":448.43,"confidence":0.99316406,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.2131595015525818},{"word":"is","start":448.43,"end":448.59,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21430820226669312},{"word":"called","start":448.59,"end":448.83,"confidence":0.9951172,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.2145696133375168},{"word":"a","start":448.83,"end":448.91,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2553597390651703},{"word":"wrap","start":448.91,"end":449.22998,"confidence":0.64990234,"punctuated_word":"wrap","sentiment":"neutral","sentiment_score":0.27203357219696045},{"word":"platform","start":449.22998,"end":449.72998,"confidence":0.98583984,"punctuated_word":"platform.","sentiment":"neutral","sentiment_score":0.2005229294300079},{"word":"so","start":449.835,"end":449.995,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2091248780488968},{"word":"it's","start":449.995,"end":450.235,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2084471881389618},{"word":"kind","start":450.235,"end":450.315,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1750398576259613},{"word":"of","start":450.315,"end":450.595,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18446968495845795},{"word":"like","start":450.595,"end":450.875,"confidence":0.72021484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15831884741783142},{"word":"three","start":450.875,"end":451.19498,"confidence":0.9941406,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.16632530093193054},{"word":"degrees","start":451.19498,"end":451.595,"confidence":0.99902344,"punctuated_word":"degrees","sentiment":"neutral","sentiment_score":0.1427309215068817},{"word":"of","start":451.595,"end":452.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14609186351299286},{"word":"platform","start":452.395,"end":452.895,"confidence":0.99902344,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.16118615865707395},{"word":"structure","start":453.035,"end":453.535,"confidence":0.80981445,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.15898144245147705},{"word":"one","start":453.91498,"end":454.07498,"confidence":1.0,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.11850908398628236},{"word":"for","start":454.07498,"end":454.315,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13687101006507874},{"word":"the","start":454.315,"end":454.475,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11629629880189896},{"word":"first","start":454.475,"end":454.79498,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.1288011074066162},{"word":"20,000","start":454.79498,"end":455.69498,"confidence":0.9840088,"punctuated_word":"20,000,","sentiment":"neutral","sentiment_score":0.12602746486663818},{"word":"another","start":456.155,"end":456.475,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.11572586745023727},{"word":"one","start":456.475,"end":456.63498,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12241780757904051},{"word":"that's","start":456.63498,"end":456.955,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14268743991851807},{"word":"kind","start":456.955,"end":457.115,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1402578204870224},{"word":"of","start":457.115,"end":457.275,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16345705091953278},{"word":"good","start":457.275,"end":457.435,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1502336412668228},{"word":"for","start":457.435,"end":457.675,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1961621344089508},{"word":"20","start":457.675,"end":457.995,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.21122601628303528},{"word":"to","start":457.995,"end":458.155,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12471748143434525},{"word":"50,000","start":458.155,"end":458.955,"confidence":0.9859619,"punctuated_word":"50,000,","sentiment":"neutral","sentiment_score":0.21468734741210935},{"word":"and","start":458.955,"end":459.19498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16322314739227295},{"word":"then","start":459.19498,"end":459.35498,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1411791890859604},{"word":"something","start":459.35498,"end":459.675,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.12049474567174911},{"word":"that's","start":459.675,"end":459.91498,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09906679391860962},{"word":"for","start":459.91498,"end":460.07498,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10634151101112366},{"word":"a","start":460.07498,"end":460.155,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14542247354984283},{"word":"larger","start":460.155,"end":460.47498,"confidence":1.0,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":0.14234519004821777},{"word":"balance","start":460.47498,"end":460.875,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.19990627467632296},{"word":"above","start":460.875,"end":461.275,"confidence":0.99609375,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.16107064485549927},{"word":"that","start":461.275,"end":461.775,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12757590413093567},{"word":"k","start":463.85,"end":464.35,"confidence":0.920166,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.025870753452181816},{"word":"outside","start":464.41,"end":464.89,"confidence":0.9980469,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.06994352489709854},{"word":"of","start":464.89,"end":465.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06230922043323517},{"word":"that","start":465.13,"end":465.63,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.031077425926923752},{"word":"if","start":465.85,"end":466.09,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06570073217153549},{"word":"you're","start":466.09,"end":466.25,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09628190845251083},{"word":"wanting","start":466.25,"end":466.65,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.08479887247085571},{"word":"to","start":466.65,"end":466.89,"confidence":0.9975586,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0694219246506691},{"word":"for","start":466.89,"end":467.05002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025498270988464355},{"word":"example","start":467.05002,"end":467.53,"confidence":1.0,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.07257664948701859},{"word":"invest","start":467.53,"end":467.93,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.09168894588947296},{"word":"for","start":467.93,"end":468.09,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11732480674982072},{"word":"let's","start":468.17,"end":468.41,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.08800506591796875},{"word":"say","start":468.41,"end":468.57,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0904764086008072},{"word":"you","start":468.57,"end":468.73,"confidence":0.6826172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1654730588197708},{"word":"start","start":468.73,"end":469.05002,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1567419022321701},{"word":"a","start":469.05002,"end":469.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17559939622879028},{"word":"family","start":469.13,"end":469.63,"confidence":0.8696289,"punctuated_word":"family,","sentiment":"neutral","sentiment_score":0.11818791925907136},{"word":"you","start":469.85,"end":470.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1685415357351303},{"word":"can","start":470.01,"end":470.25,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19978517293930056},{"word":"invest","start":470.25,"end":470.57,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.11302288621664049},{"word":"in","start":470.57,"end":470.73,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19118699431419373},{"word":"things","start":470.73,"end":471.05002,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1983606517314911},{"word":"like","start":471.05002,"end":471.37,"confidence":0.9658203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13463270664215088},{"word":"bonds","start":471.37,"end":471.85,"confidence":0.9970703,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.19196881353855133},{"word":"to","start":471.85,"end":472.01,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1377318948507309},{"word":"build","start":472.01,"end":472.25,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.17628462612628937},{"word":"up","start":472.25,"end":472.49,"confidence":0.814209,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.16496406495571136},{"word":"like","start":472.49,"end":472.65,"confidence":0.9189453,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1464826464653015},{"word":"a","start":472.65,"end":472.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1985693871974945},{"word":"tax","start":472.81,"end":473.13,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.24134621024131775},{"word":"free","start":473.13,"end":473.37,"confidence":0.99902344,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.17451484501361847},{"word":"amount","start":473.37,"end":473.865,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.23654867708683017},{"word":"to","start":474.025,"end":474.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18287843465805056},{"word":"pass","start":474.185,"end":474.345,"confidence":0.99609375,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.20539237558841705},{"word":"to","start":474.345,"end":474.585,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1594824492931366},{"word":"them","start":474.585,"end":474.82498,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1221376210451126},{"word":"when","start":474.82498,"end":474.985,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09691400080919266},{"word":"they're","start":474.985,"end":475.22498,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.09225958585739136},{"word":"18","start":475.22498,"end":475.72498,"confidence":0.99902344,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.0807243287563324},{"word":"for","start":475.865,"end":476.10498,"confidence":0.9135742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08602210879325867},{"word":"a","start":476.10498,"end":476.26498,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.088509202003479},{"word":"house","start":476.26498,"end":476.585,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.10652224719524384},{"word":"deposit","start":476.585,"end":477.065,"confidence":0.99609375,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.0563168004155159},{"word":"or","start":477.065,"end":477.305,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08413777500391006},{"word":"a","start":477.305,"end":477.465,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14472101628780365},{"word":"car","start":477.465,"end":477.94498,"confidence":0.99072266,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.11978653073310852},{"word":"so","start":477.94498,"end":478.10498,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10050776600837708},{"word":"you","start":478.10498,"end":478.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10948888957500458},{"word":"kind","start":478.345,"end":478.66498,"confidence":0.95703125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12260672450065611},{"word":"of","start":478.66498,"end":478.82498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17672836780548096},{"word":"bounce","start":478.82498,"end":479.145,"confidence":0.92822266,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":0.17400678992271423},{"word":"between","start":479.145,"end":479.465,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.15561048686504364},{"word":"the","start":479.465,"end":479.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2306240350008011},{"word":"two","start":479.625,"end":480.125,"confidence":1.0,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.20460310578346252},{"word":"you've","start":480.185,"end":480.345,"confidence":0.9995117,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.2609306573867798},{"word":"got","start":480.345,"end":480.585,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22819755971431732},{"word":"your","start":480.585,"end":480.82498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2644718289375305},{"word":"etfs","start":480.82498,"end":481.305,"confidence":0.99853516,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.14990954101085663},{"word":"and","start":481.305,"end":481.465,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1549752652645111},{"word":"managed","start":481.465,"end":481.94498,"confidence":0.8828125,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.1774708330631256},{"word":"platforms","start":481.94498,"end":482.44498,"confidence":0.9638672,"punctuated_word":"platforms,","sentiment":"neutral","sentiment_score":0.14400504529476166},{"word":"and","start":482.745,"end":482.82498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12029889225959778},{"word":"then","start":482.82498,"end":483.065,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14293310046195984},{"word":"you've","start":483.065,"end":483.305,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1511719673871994},{"word":"got","start":483.305,"end":483.785,"confidence":0.98706055,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.14366622269153595},{"word":"like","start":483.785,"end":484.185,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10683344304561616},{"word":"tax","start":484.185,"end":484.505,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.19531795382499695},{"word":"structures","start":484.505,"end":485.005,"confidence":1.0,"punctuated_word":"structures","sentiment":"neutral","sentiment_score":0.13494548201560974},{"word":"for","start":485.625,"end":485.94498,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09152687340974808},{"word":"investing","start":485.94498,"end":486.44498,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.06374690681695938},{"word":"for","start":486.505,"end":486.66498,"confidence":0.9741211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09052439779043198},{"word":"on","start":486.745,"end":486.905,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13029304146766665},{"word":"behalf","start":486.905,"end":487.22498,"confidence":1.0,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.170167475938797},{"word":"of","start":487.22498,"end":487.38498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20653662085533145},{"word":"other","start":487.38498,"end":487.625,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1388624757528305},{"word":"people","start":487.625,"end":488.125,"confidence":1.0,"punctuated_word":"people.","sentiment":"neutral","sentiment_score":0.13542036712169647},{"word":"okay","start":489.74,"end":490.06,"confidence":0.9206543,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13398399949073792},{"word":"what","start":490.06,"end":490.22,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.1210249364376068},{"word":"are","start":490.22,"end":490.38,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11211259663105012},{"word":"your","start":490.38,"end":490.54,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08636246621608734},{"word":"thoughts","start":490.54,"end":490.78,"confidence":1.0,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.0807955265045166},{"word":"on","start":490.78,"end":490.86002,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12195294350385666},{"word":"that","start":490.86002,"end":491.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15696091949939728},{"word":"so","start":491.1,"end":491.26,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11746640503406525},{"word":"far","start":491.26,"end":491.5,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.0884944275021553},{"word":"i","start":491.5,"end":491.58,"confidence":0.5986328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005187027156352997},{"word":"know","start":491.58,"end":491.74,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03347618132829666},{"word":"i've","start":491.74,"end":491.82,"confidence":0.9855957,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05690307542681694},{"word":"just","start":491.82,"end":492.06,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07459606230258942},{"word":"kind","start":492.06,"end":492.3,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.10642068088054656},{"word":"of","start":492.3,"end":492.54,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07604573667049408},{"word":"dumped","start":492.54,"end":492.78,"confidence":0.97998047,"punctuated_word":"dumped","sentiment":"neutral","sentiment_score":-0.05458812415599823},{"word":"a","start":492.78,"end":492.86002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06750860810279846},{"word":"bit","start":492.86002,"end":493.02,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0630994439125061},{"word":"of","start":493.02,"end":493.18,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11303863674402236},{"word":"info","start":493.18,"end":493.58,"confidence":1.0,"punctuated_word":"info","sentiment":"neutral","sentiment_score":-0.10143544524908066},{"word":"at","start":493.58,"end":493.74,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11063309013843536},{"word":"you","start":493.74,"end":493.98,"confidence":0.98706055,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.06251142174005508},{"word":"but","start":493.98,"end":494.46,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06774935871362686},{"word":"any","start":494.46,"end":494.7,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06253567337989807},{"word":"initial","start":494.7,"end":495.1,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":-0.07813453674316406},{"word":"thoughts","start":495.1,"end":495.6,"confidence":0.98535156,"punctuated_word":"thoughts?","sentiment":"neutral","sentiment_score":-0.1010635867714882},{"word":"yeah","start":503.51498,"end":504.01498,"confidence":0.8244629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00753214955329895},{"word":"yeah","start":524.25,"end":524.57,"confidence":0.88720703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16105398535728457},{"word":"so","start":524.57,"end":524.73,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21364925801754},{"word":"the","start":524.73,"end":524.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2908598780632019},{"word":"two","start":524.89,"end":525.21,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.29220202565193176},{"word":"main","start":525.21,"end":525.53,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.3103569746017456},{"word":"considerations","start":525.53,"end":526.03,"confidence":1.0,"punctuated_word":"considerations","sentiment":"positive","sentiment_score":0.34439966082572937},{"word":"i'll","start":526.25,"end":526.41,"confidence":0.95532227,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3422972559928894},{"word":"give","start":526.41,"end":526.57,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3128277659416199},{"word":"you","start":526.57,"end":526.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2615765929222107},{"word":"is","start":527.15497,"end":527.395,"confidence":0.83935547,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.30461007356643677},{"word":"yes","start":527.395,"end":527.635,"confidence":0.81762695,"punctuated_word":"yes,","sentiment":"positive","sentiment_score":0.3454459309577942},{"word":"absolutely","start":527.635,"end":528.135,"confidence":0.8339844,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.2960044741630554},{"word":"if","start":528.355,"end":528.515,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2370210886001587},{"word":"you","start":528.515,"end":528.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.233500137925148},{"word":"can","start":528.675,"end":528.835,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20439158380031583},{"word":"afford","start":528.835,"end":529.15497,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":0.2764657139778137},{"word":"to","start":529.15497,"end":529.235,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22739392518997192},{"word":"do","start":529.235,"end":529.395,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20604649186134336},{"word":"the","start":529.395,"end":529.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2714405059814453},{"word":"200","start":529.555,"end":529.955,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.19904255867004397},{"word":"a","start":529.955,"end":530.115,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25389254093170166},{"word":"fortnight","start":530.115,"end":530.615,"confidence":1.0,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.13929741084575653},{"word":"and","start":530.835,"end":531.075,"confidence":0.7739258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2139451652765274},{"word":"you've","start":531.075,"end":531.315,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3194352388381958},{"word":"got","start":531.315,"end":531.475,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3630141317844391},{"word":"a","start":531.475,"end":531.635,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3303782343864441},{"word":"pretty","start":531.635,"end":532.135,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.47120147943496704},{"word":"quite","start":533.795,"end":534.115,"confidence":0.44262695,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4412422776222229},{"word":"sensible","start":534.115,"end":534.615,"confidence":0.99902344,"punctuated_word":"sensible","sentiment":"neutral","sentiment_score":0.314348042011261},{"word":"structure","start":534.675,"end":534.995,"confidence":1.0,"punctuated_word":"structure","sentiment":"positive","sentiment_score":0.336586594581604},{"word":"in","start":534.995,"end":535.15497,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3601154088973999},{"word":"terms","start":535.15497,"end":535.395,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.3276295065879822},{"word":"of","start":535.395,"end":535.475,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3699990808963776},{"word":"the","start":535.475,"end":535.635,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3703291714191437},{"word":"three","start":535.635,"end":535.795,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.3274760842323303},{"word":"investments","start":535.795,"end":536.295,"confidence":0.99560547,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.24738022685050964},{"word":"the","start":536.435,"end":536.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4108489751815796},{"word":"tech","start":536.675,"end":536.915,"confidence":0.96362305,"punctuated_word":"tech,","sentiment":"neutral","sentiment_score":0.28329455852508545},{"word":"the","start":536.915,"end":537.15497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42949938774108887},{"word":"a","start":537.15497,"end":537.315,"confidence":0.9633789,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3433782458305359},{"word":"200","start":537.315,"end":538.135,"confidence":0.9901123,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.25491008162498474},{"word":"and","start":538.195,"end":538.435,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3561532497406006},{"word":"the","start":538.435,"end":538.595,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44647085666656494},{"word":"global","start":538.595,"end":539.075,"confidence":0.9604492,"punctuated_word":"global","sentiment":"positive","sentiment_score":0.3351401388645172},{"word":"shares","start":539.075,"end":539.575,"confidence":0.98999023,"punctuated_word":"shares,","sentiment":"positive","sentiment_score":0.3373376429080963},{"word":"you","start":539.84,"end":540.0,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4373006820678711},{"word":"can","start":540.0,"end":540.16003,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.434495210647583},{"word":"pretty","start":540.16003,"end":540.4,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.40194594860076904},{"word":"much","start":540.4,"end":540.64,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.35034990310668945},{"word":"just","start":540.64,"end":540.88,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.385879784822464},{"word":"let","start":540.88,"end":541.04004,"confidence":0.99902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.417928159236908},{"word":"that","start":541.04004,"end":541.28,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4189002513885498},{"word":"roll","start":541.28,"end":541.52,"confidence":0.97265625,"punctuated_word":"roll.","sentiment":"neutral","sentiment_score":0.2863524556159973},{"word":"there's","start":541.52,"end":541.76,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.04828665405511856},{"word":"no","start":541.76,"end":542.0,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.007826045155525208},{"word":"point","start":542.0,"end":542.32,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.14118675887584686},{"word":"trying","start":542.32,"end":542.56,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.1664545238018036},{"word":"to","start":542.56,"end":542.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14082448184490204},{"word":"kind","start":542.8,"end":542.96,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.11142760515213011},{"word":"of","start":542.96,"end":543.04004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022500216960906982},{"word":"go","start":543.04004,"end":543.54004,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.03657245635986328},{"word":"fancier","start":543.84,"end":544.24,"confidence":0.99560547,"punctuated_word":"fancier","sentiment":"neutral","sentiment_score":0.01890949159860611},{"word":"than","start":544.24,"end":544.48,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.045209869742393494},{"word":"that","start":544.48,"end":544.72003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13335588574409485},{"word":"and","start":544.72003,"end":545.04004,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02666516602039337},{"word":"apply","start":545.04004,"end":545.36,"confidence":0.9970703,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.007348060607910156},{"word":"any","start":545.36,"end":545.68,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.02506980299949646},{"word":"fees","start":545.68,"end":546.18,"confidence":0.99658203,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.05636267364025116},{"word":"that's","start":547.60004,"end":548.0,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6023956537246704},{"word":"perfectly","start":548.0,"end":548.4,"confidence":1.0,"punctuated_word":"perfectly","sentiment":"positive","sentiment_score":0.6469644904136658},{"word":"fine","start":548.4,"end":548.64,"confidence":1.0,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.5958939790725708},{"word":"the","start":548.64,"end":548.8,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7907649874687195},{"word":"way","start":548.8,"end":548.96,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.8306223750114441},{"word":"it","start":548.96,"end":549.12,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.8260102272033691},{"word":"is","start":549.12,"end":549.44,"confidence":1.0,"punctuated_word":"is.","sentiment":"positive","sentiment_score":0.6665123701095581},{"word":"the","start":549.44,"end":549.60004,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20112624764442444},{"word":"only","start":549.60004,"end":549.84,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.03920947015285492},{"word":"thing","start":549.84,"end":550.08,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.006142258644104004},{"word":"to","start":550.08,"end":550.48,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016944758594036102},{"word":"keep","start":550.48,"end":550.72003,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.0007810145616531372},{"word":"in","start":550.72003,"end":550.88,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006983160972595215},{"word":"mind","start":550.88,"end":551.36,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.04944106191396713},{"word":"is","start":551.36,"end":551.60004,"confidence":0.95288086,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.01549503207206726},{"word":"like","start":551.60004,"end":551.84,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.056724853813648224},{"word":"i","start":551.84,"end":551.92,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03433048725128174},{"word":"mentioned","start":551.92,"end":552.32,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.06196211650967598},{"word":"before","start":552.32,"end":552.72003,"confidence":0.9980469,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.0007286854088306427},{"word":"access","start":552.72003,"end":553.2,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.02106299251317978},{"word":"to","start":553.2,"end":553.36,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004314638674259186},{"word":"the","start":553.36,"end":553.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022281013429164886},{"word":"funds","start":553.52,"end":554.02,"confidence":0.98291016,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.007654950022697449},{"word":"if","start":554.34503,"end":554.425,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.01722845435142517},{"word":"you're","start":554.425,"end":554.66504,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.00645320862531662},{"word":"gonna","start":554.66504,"end":554.905,"confidence":0.87597656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03794926032423973},{"word":"put","start":554.905,"end":555.145,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0344192273914814},{"word":"it","start":555.145,"end":555.305,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02349427342414856},{"word":"all","start":555.305,"end":555.54504,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03178612142801285},{"word":"in","start":555.54504,"end":555.78503,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026875868439674377},{"word":"shares","start":555.78503,"end":556.28503,"confidence":1.0,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":-0.004746023565530777},{"word":"you","start":556.505,"end":556.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007278919219970703},{"word":"generally","start":556.745,"end":557.145,"confidence":0.984375,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.006198890507221222},{"word":"wanna","start":557.145,"end":557.385,"confidence":0.8305664,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.007328316569328308},{"word":"be","start":557.385,"end":557.625,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01810784637928009},{"word":"investing","start":557.625,"end":558.10504,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.009918548166751862},{"word":"for","start":558.10504,"end":558.34503,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06635340303182602},{"word":"at","start":558.34503,"end":558.425,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10215672850608826},{"word":"least","start":558.425,"end":558.745,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.10751298815011978},{"word":"five","start":558.745,"end":558.985,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.008756354451179504},{"word":"to","start":558.985,"end":559.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04950559884309769},{"word":"ten","start":559.145,"end":559.385,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.00237969309091568},{"word":"years","start":559.385,"end":559.885,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.017438970506191254},{"word":"rather","start":560.185,"end":560.505,"confidence":0.88134766,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.020406223833560944},{"word":"than","start":560.505,"end":561.005,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.12550191581249237},{"word":"i'm","start":561.065,"end":561.145,"confidence":0.7873535,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17423801124095917},{"word":"just","start":561.145,"end":561.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2090765684843063},{"word":"trying","start":561.385,"end":561.54504,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.17063619196414948},{"word":"to","start":561.54504,"end":561.625,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2165195643901825},{"word":"build","start":561.625,"end":561.78503,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.14089535176753998},{"word":"up","start":561.78503,"end":561.945,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16099148988723755},{"word":"a","start":561.945,"end":562.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18301166594028473},{"word":"house","start":562.025,"end":562.265,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.18808668851852417},{"word":"deposit","start":562.265,"end":562.585,"confidence":0.9980469,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.18389198184013367},{"word":"for","start":562.585,"end":562.825,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20260785520076752},{"word":"twelve","start":562.825,"end":563.065,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.20119211077690125},{"word":"months","start":563.065,"end":563.305,"confidence":0.923584,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.1815143525600433},{"word":"and","start":563.305,"end":563.465,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20628322660923004},{"word":"i'm","start":563.465,"end":563.625,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.30870315432548523},{"word":"gonna","start":563.625,"end":563.945,"confidence":0.97802734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.3133706748485565},{"word":"sell","start":563.945,"end":564.10504,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.30481114983558655},{"word":"it","start":564.10504,"end":564.265,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2461974322795868},{"word":"down","start":564.265,"end":564.765,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2393687069416046},{"word":"potentially","start":564.985,"end":565.485,"confidence":0.93847656,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.29716333746910095},{"word":"in","start":565.705,"end":565.865,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.24195069074630737},{"word":"the","start":565.865,"end":566.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2264469712972641},{"word":"middle","start":566.025,"end":566.265,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.31379973888397217},{"word":"of","start":566.265,"end":566.425,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2733055353164673},{"word":"the","start":566.425,"end":566.585,"confidence":0.8520508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32383814454078674},{"word":"stock","start":566.585,"end":566.825,"confidence":1.0,"punctuated_word":"stock","sentiment":"negative","sentiment_score":-0.4623956382274628},{"word":"market","start":566.825,"end":567.145,"confidence":1.0,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.430415004491806},{"word":"crash","start":567.145,"end":567.645,"confidence":0.99853516,"punctuated_word":"crash.","sentiment":"negative","sentiment_score":-0.3483814597129822},{"word":"yeah","start":575.02,"end":575.26,"confidence":0.97436523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06350094079971313},{"word":"it's","start":575.26,"end":575.42004,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.10007387399673462},{"word":"almost","start":575.42004,"end":575.74005,"confidence":1.0,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":-0.09611108154058456},{"word":"like","start":575.74005,"end":575.98004,"confidence":0.8959961,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09407906234264374},{"word":"you're","start":575.98004,"end":576.06,"confidence":0.50427246,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.17802421748638153},{"word":"gonna","start":576.06,"end":576.30005,"confidence":0.62060547,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.23435649275779724},{"word":"forward","start":576.30005,"end":576.54004,"confidence":0.8027344,"punctuated_word":"forward","sentiment":"negative","sentiment_score":-0.3451601564884186},{"word":"to","start":576.54004,"end":576.7,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2241484522819519},{"word":"lose","start":576.7,"end":577.02,"confidence":0.9707031,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.32443341612815857},{"word":"it","start":577.02,"end":577.18005,"confidence":0.98535156,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.34765738248825073},{"word":"kind","start":577.18005,"end":577.34,"confidence":0.9472656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.19664669036865232},{"word":"of","start":577.34,"end":577.42004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2481093555688858},{"word":"thing","start":577.42004,"end":577.66003,"confidence":0.76293945,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.2043866068124771},{"word":"so","start":577.66003,"end":577.9,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.056503742933273315},{"word":"it's","start":577.9,"end":578.30005,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06252464652061462},{"word":"it's","start":578.30005,"end":578.54004,"confidence":0.9609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05120493099093437},{"word":"okay","start":578.54004,"end":578.78,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.09954223036766052},{"word":"if","start":578.78,"end":578.94,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07298953831195831},{"word":"it","start":578.94,"end":579.02,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1463671624660492},{"word":"kind","start":579.02,"end":579.18005,"confidence":0.9863281,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.11501292884349824},{"word":"of","start":579.18005,"end":579.34,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06560828536748886},{"word":"goes","start":579.34,"end":579.58,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.1905578374862671},{"word":"up","start":579.58,"end":579.74005,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.18712583184242249},{"word":"and","start":579.74005,"end":579.9,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21065440773963928},{"word":"down","start":579.9,"end":580.38,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.17942693829536438},{"word":"with","start":580.38,"end":580.54004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.19523963332176208},{"word":"the","start":580.54004,"end":580.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17623625695705414},{"word":"stock","start":580.7,"end":581.02,"confidence":1.0,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.1981469988822937},{"word":"market","start":581.02,"end":581.5,"confidence":0.97680664,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.035671669989824295},{"word":"would","start":581.5,"end":581.74005,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002938680350780487},{"word":"you","start":581.74005,"end":581.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01986125484108925},{"word":"say","start":581.9,"end":582.285,"confidence":0.9995117,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.02606493234634399},{"word":"absolutely","start":583.96497,"end":584.46497,"confidence":0.98535156,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3990046977996826},{"word":"so","start":584.52496,"end":584.845,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19032637774944303},{"word":"one","start":584.845,"end":585.00494,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16222068667411804},{"word":"thing","start":585.00494,"end":585.165,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.20360875129699707},{"word":"that","start":585.165,"end":585.32495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17498674988746643},{"word":"we","start":585.32495,"end":585.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1680411696434021},{"word":"would","start":585.485,"end":585.64496,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17612650990486145},{"word":"do","start":585.64496,"end":585.88495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12969815731048584},{"word":"down","start":585.88495,"end":586.045,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07649245113134384},{"word":"the","start":586.045,"end":586.20496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10766011476516724},{"word":"line","start":586.20496,"end":586.44495,"confidence":0.99902344,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.13514240086078644},{"word":"too","start":586.44495,"end":586.94495,"confidence":0.8886719,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.21038603782653809},{"word":"is","start":587.00494,"end":587.50494,"confidence":0.9667969,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16543574631214142},{"word":"we","start":587.88495,"end":588.045,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16732703149318695},{"word":"put","start":588.045,"end":588.285,"confidence":0.87060547,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04299549758434296},{"word":"you","start":588.285,"end":588.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11776324361562727},{"word":"in","start":588.365,"end":588.52496,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12034307420253754},{"word":"a","start":588.52496,"end":588.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1572098433971405},{"word":"bit","start":588.605,"end":588.76495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1303415298461914},{"word":"of","start":588.76495,"end":588.845,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22019720077514648},{"word":"a","start":588.845,"end":589.00494,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1398071646690369},{"word":"risk","start":589.00494,"end":589.32495,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05560726672410965},{"word":"profile","start":589.32495,"end":589.805,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.02832929790019989},{"word":"for","start":589.805,"end":589.88495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0931597352027893},{"word":"your","start":589.88495,"end":590.20496,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10954996198415756},{"word":"super","start":590.20496,"end":590.70496,"confidence":0.9851074,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1568547636270523},{"word":"which","start":590.845,"end":591.08496,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17276886105537417},{"word":"is","start":591.08496,"end":591.245,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11058206856250764},{"word":"that","start":591.245,"end":591.485,"confidence":0.9013672,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15449075400829315},{"word":"high","start":591.485,"end":591.64496,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.15946218371391296},{"word":"growth","start":591.64496,"end":592.045,"confidence":0.80859375,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.19634544849395752},{"word":"if","start":592.045,"end":592.125,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19040951132774353},{"word":"you","start":592.125,"end":592.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09690578281879424},{"word":"recall","start":592.285,"end":592.785,"confidence":0.8041992,"punctuated_word":"recall.","sentiment":"neutral","sentiment_score":0.14198602735996246},{"word":"and","start":594.125,"end":594.44495,"confidence":0.99609375,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3693103790283203},{"word":"that's","start":594.44495,"end":594.76495,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4647183418273926},{"word":"all","start":594.76495,"end":595.08496,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.49061205983161926},{"word":"perfectly","start":595.08496,"end":595.565,"confidence":1.0,"punctuated_word":"perfectly","sentiment":"positive","sentiment_score":0.599930465221405},{"word":"well","start":595.565,"end":595.88495,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5357786417007446},{"word":"to","start":595.88495,"end":596.125,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47775065898895264},{"word":"try","start":596.125,"end":596.285,"confidence":0.99902344,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.5819782614707947},{"word":"and","start":596.285,"end":596.44495,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4493301808834076},{"word":"get","start":596.44495,"end":596.73,"confidence":0.99609375,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.43576329946517944},{"word":"maximum","start":596.97,"end":597.37,"confidence":0.98291016,"punctuated_word":"maximum","sentiment":"positive","sentiment_score":0.487304151058197},{"word":"growth","start":597.37,"end":597.69,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5346034169197083},{"word":"for","start":597.69,"end":597.93,"confidence":0.98095703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4123104214668274},{"word":"retirement","start":597.93,"end":598.43,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.40428677201271057},{"word":"over","start":598.73,"end":598.88995,"confidence":0.9970703,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.40886273980140686},{"word":"the","start":598.88995,"end":599.05,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.357847660779953},{"word":"next","start":599.05,"end":599.37,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2815603017807007},{"word":"thirty","start":599.37,"end":599.69,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.2447499632835388},{"word":"years","start":599.69,"end":600.19,"confidence":0.99902344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.25148332118988037},{"word":"when","start":600.32996,"end":600.57,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.18403789401054385},{"word":"we","start":600.57,"end":600.64996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15704002976417542},{"word":"do","start":600.64996,"end":600.97,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17817799746990204},{"word":"personal","start":600.97,"end":601.37,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.180144265294075},{"word":"investing","start":601.37,"end":601.76996,"confidence":0.99902344,"punctuated_word":"investing,","sentiment":"neutral","sentiment_score":0.12860077619552612},{"word":"we","start":601.76996,"end":601.93,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18689042329788208},{"word":"actually","start":601.93,"end":602.32996,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17199347913265228},{"word":"create","start":602.32996,"end":602.64996,"confidence":1.0,"punctuated_word":"create","sentiment":"neutral","sentiment_score":0.15435436367988586},{"word":"for","start":602.64996,"end":602.81,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17523905634880066},{"word":"you","start":602.81,"end":602.97,"confidence":0.8574219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18555687367916107},{"word":"a","start":602.97,"end":603.13,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19699040055274963},{"word":"personal","start":603.13,"end":603.61,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.11122122406959534},{"word":"risk","start":603.61,"end":603.93,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.12389195710420609},{"word":"profile","start":603.93,"end":604.43,"confidence":0.9621582,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.13138166069984436},{"word":"and","start":604.81,"end":605.13,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10011818259954453},{"word":"even","start":605.13,"end":605.37,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.11666795611381532},{"word":"though","start":605.37,"end":605.44995,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.05643995851278305},{"word":"you've","start":605.44995,"end":605.61,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12618334591388702},{"word":"got","start":605.61,"end":605.85,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10667993128299712},{"word":"access","start":605.85,"end":606.17,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.06638430804014206},{"word":"to","start":606.17,"end":606.32996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09617417305707932},{"word":"the","start":606.32996,"end":606.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09480947256088255},{"word":"same","start":606.49,"end":606.73,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.0957367941737175},{"word":"investments","start":606.73,"end":607.23,"confidence":0.8898926,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.07831926643848419},{"word":"we","start":607.44995,"end":607.61,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11980870366096497},{"word":"might","start":607.61,"end":607.85,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08661894500255585},{"word":"build","start":607.85,"end":608.17,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.14646002650260925},{"word":"your","start":608.17,"end":608.41,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12258878350257874},{"word":"portfolio","start":608.41,"end":608.91,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08951851725578308},{"word":"a","start":609.05,"end":609.20996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09631983935832976},{"word":"little","start":609.20996,"end":609.44995,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04629461467266083},{"word":"bit","start":609.44995,"end":609.69,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05058329924941063},{"word":"differently","start":609.69,"end":610.19,"confidence":0.99902344,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":0.0586174800992012},{"word":"depending","start":610.57,"end":610.97,"confidence":0.97265625,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.08574983477592468},{"word":"on","start":610.97,"end":611.13,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08772560954093933},{"word":"what","start":611.13,"end":611.29,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.114417165517807},{"word":"your","start":611.29,"end":611.44995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10577448457479476},{"word":"personal","start":611.44995,"end":611.93,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.10459914803504944},{"word":"goals","start":611.93,"end":612.17,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.08901765942573547},{"word":"are","start":612.17,"end":612.615,"confidence":0.83325195,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.10492940247058868},{"word":"whether","start":614.135,"end":614.455,"confidence":0.99609375,"punctuated_word":"Whether","sentiment":"neutral","sentiment_score":0.10406792163848876},{"word":"that's","start":614.455,"end":614.77496,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14442388713359833},{"word":"just","start":614.77496,"end":615.27496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12837491929531095},{"word":"earlier","start":615.415,"end":615.815,"confidence":0.72216797,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.14273664355278015},{"word":"retirement","start":615.815,"end":616.315,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.1318683922290802},{"word":"at","start":616.375,"end":616.695,"confidence":0.85498047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12280409038066864},{"word":"50","start":616.695,"end":617.015,"confidence":0.9980469,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.15729939937591553},{"word":"instead","start":617.015,"end":617.33496,"confidence":0.99609375,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.07402535527944565},{"word":"of","start":617.33496,"end":617.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11777006089687347},{"word":"60","start":617.495,"end":617.995,"confidence":1.0,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.13145652413368225},{"word":"or","start":618.21497,"end":618.455,"confidence":0.87890625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1502930223941803},{"word":"just","start":618.455,"end":618.695,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1295565813779831},{"word":"a","start":618.695,"end":618.77496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15574991703033447},{"word":"bit","start":618.77496,"end":618.935,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16778257489204407},{"word":"of","start":618.935,"end":619.095,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16826653480529785},{"word":"wealth","start":619.095,"end":619.33496,"confidence":1.0,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.19207245111465457},{"word":"creation","start":619.33496,"end":619.735,"confidence":1.0,"punctuated_word":"creation","sentiment":"neutral","sentiment_score":0.19338394701480863},{"word":"for","start":619.735,"end":619.895,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1521545946598053},{"word":"some","start":619.895,"end":620.135,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.139302060008049},{"word":"holidays","start":620.135,"end":620.615,"confidence":0.8815918,"punctuated_word":"holidays,","sentiment":"neutral","sentiment_score":0.16873127222061157},{"word":"again","start":620.615,"end":621.015,"confidence":0.9248047,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.15147840976715088},{"word":"investing","start":621.015,"end":621.415,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.12034115195274352},{"word":"with","start":621.415,"end":621.575,"confidence":0.8691406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17962327599525452},{"word":"children","start":621.575,"end":622.055,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.19896501302719116},{"word":"and","start":622.055,"end":622.21497,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14559504389762878},{"word":"so","start":622.21497,"end":622.455,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1545359045267105},{"word":"on","start":622.455,"end":622.77496,"confidence":0.91064453,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.12047302722930908},{"word":"we","start":622.77496,"end":622.935,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1570304036140442},{"word":"can","start":622.935,"end":623.175,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17015071213245392},{"word":"kind","start":623.175,"end":623.33496,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1687798798084259},{"word":"of","start":623.33496,"end":623.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09782476723194122},{"word":"tailor","start":623.495,"end":623.735,"confidence":0.99609375,"punctuated_word":"tailor","sentiment":"neutral","sentiment_score":0.150441974401474},{"word":"things","start":623.735,"end":624.055,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11496851593255995},{"word":"a","start":624.055,"end":624.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08614272624254227},{"word":"little","start":624.135,"end":624.375,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08429034054279327},{"word":"bit","start":624.375,"end":624.535,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09776024520397186},{"word":"there","start":624.535,"end":624.77496,"confidence":0.8730469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09506559371948242},{"word":"down","start":624.77496,"end":625.015,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09148486703634262},{"word":"the","start":625.015,"end":625.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05747979134321213},{"word":"line","start":625.175,"end":625.59,"confidence":0.99853516,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.06878842413425446},{"word":"cool","start":627.03,"end":627.53,"confidence":0.79052734,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2662118077278137},{"word":"now","start":627.83,"end":628.15,"confidence":0.9892578,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05712832137942314},{"word":"while","start":628.15,"end":628.31,"confidence":0.99316406,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.020909909158945084},{"word":"we're","start":628.31,"end":628.55005,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.011339765042066574},{"word":"on","start":628.55005,"end":628.71,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.021890372037887573},{"word":"the","start":628.71,"end":628.79004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004915501922369003},{"word":"subject","start":628.79004,"end":629.19,"confidence":0.99902344,"punctuated_word":"subject,","sentiment":"neutral","sentiment_score":0.006840169429779053},{"word":"i","start":629.19,"end":629.27,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015255752950906754},{"word":"just","start":629.27,"end":629.43005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01361871138215065},{"word":"wanted","start":629.43005,"end":629.67004,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.003078058362007141},{"word":"to","start":629.67004,"end":629.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008313991129398346},{"word":"double","start":629.75,"end":630.07,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.0073015280067920685},{"word":"check","start":630.07,"end":630.31,"confidence":0.8161621,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.0050659142434597015},{"word":"obviously","start":630.31,"end":630.81,"confidence":0.9980469,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.017046479508280754},{"word":"you've","start":630.87006,"end":631.11005,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.011061584576964378},{"word":"been","start":631.11005,"end":631.27,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.01806280016899109},{"word":"checking","start":631.27,"end":631.59,"confidence":1.0,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":-0.022641874849796295},{"word":"your","start":631.59,"end":631.75,"confidence":0.96533203,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010493792593479156},{"word":"super","start":631.75,"end":631.99005,"confidence":0.96240234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.009359043091535568},{"word":"lately","start":631.99005,"end":632.49005,"confidence":0.9008789,"punctuated_word":"lately,","sentiment":"neutral","sentiment_score":-0.007407134398818016},{"word":"and","start":632.79004,"end":633.29004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02078193426132202},{"word":"you're","start":633.43005,"end":633.67004,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0935382843017578},{"word":"in","start":633.67004,"end":633.91003,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1539621502161026},{"word":"that","start":633.91003,"end":634.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0968196541070938},{"word":"kind","start":634.07,"end":634.31,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.14989061653614044},{"word":"of","start":634.31,"end":634.71,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1618042141199112},{"word":"volatile","start":634.71,"end":635.21,"confidence":1.0,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.1652623414993286},{"word":"market","start":635.27,"end":635.67004,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.2397473007440567},{"word":"at","start":635.67004,"end":635.75,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.18150626122951508},{"word":"the","start":635.75,"end":635.83,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15052339434623718},{"word":"moment","start":635.83,"end":636.23004,"confidence":0.99853516,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.1377514898777008},{"word":"i've","start":636.23004,"end":636.47003,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08177856355905533},{"word":"noticed","start":636.47003,"end":636.87006,"confidence":1.0,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.036323267966508865},{"word":"your","start":636.87006,"end":637.37006,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17267662286758423},{"word":"your","start":637.685,"end":638.005,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1793847233057022},{"word":"fund","start":638.005,"end":638.165,"confidence":0.9741211,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2088581025600433},{"word":"bouncing","start":638.165,"end":638.565,"confidence":0.9941406,"punctuated_word":"bouncing","sentiment":"neutral","sentiment_score":-0.12416815757751463},{"word":"up","start":638.565,"end":638.725,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1891905963420868},{"word":"and","start":638.725,"end":638.885,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2564827501773834},{"word":"down","start":638.885,"end":639.20496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1193552315235138},{"word":"quite","start":639.20496,"end":639.445,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.17459902167320251},{"word":"a","start":639.445,"end":639.52496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19092920422554016},{"word":"bit","start":639.52496,"end":639.685,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.16497008502483368},{"word":"lately","start":639.685,"end":640.08496,"confidence":1.0,"punctuated_word":"lately.","sentiment":"neutral","sentiment_score":-0.1850118637084961},{"word":"when","start":640.08496,"end":640.32495,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.06884138286113739},{"word":"was","start":640.32495,"end":640.565,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04725317656993866},{"word":"the","start":640.565,"end":640.64496,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.039852697402238846},{"word":"last","start":640.64496,"end":640.885,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.038282327353954315},{"word":"time","start":640.885,"end":641.045,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.035600729286670685},{"word":"you","start":641.045,"end":641.20496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025902867317199707},{"word":"logged","start":641.20496,"end":641.52496,"confidence":1.0,"punctuated_word":"logged","sentiment":"neutral","sentiment_score":-0.020527634769678116},{"word":"in","start":641.52496,"end":642.02496,"confidence":1.0,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":-0.036256060004234314},{"word":"yesterday","start":644.40497,"end":644.90497,"confidence":0.99560547,"punctuated_word":"Yesterday.","sentiment":"neutral","sentiment_score":-0.019678693264722824},{"word":"perfect","start":645.925,"end":646.425,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.221955806016922},{"word":"one","start":648.725,"end":649.225,"confidence":0.7792969,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.1060940846800804},{"word":"really","start":649.285,"end":649.52496,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.15881085395812988},{"word":"good","start":649.52496,"end":649.76495,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1289714276790619},{"word":"example","start":649.76495,"end":650.08496,"confidence":1.0,"punctuated_word":"example","sentiment":"neutral","sentiment_score":0.13193829357624054},{"word":"i","start":650.08496,"end":650.245,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17535144090652466},{"word":"wanted","start":650.245,"end":650.485,"confidence":0.4736328,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.179687961935997},{"word":"to","start":650.485,"end":650.64496,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1979004591703415},{"word":"just","start":650.64496,"end":650.805,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18803700804710388},{"word":"quickly","start":650.805,"end":651.125,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.22398823499679563},{"word":"run","start":651.125,"end":651.285,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.21094226837158203},{"word":"by","start":651.285,"end":651.52496,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.15203896164894104},{"word":"you","start":651.52496,"end":652.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19189755618572235},{"word":"is","start":652.165,"end":652.665,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17491982877254486},{"word":"when","start":653.57,"end":653.73,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04751471430063248},{"word":"the","start":653.73,"end":653.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023051105439662933},{"word":"market","start":653.89,"end":654.29004,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.06654973328113556},{"word":"kind","start":654.29004,"end":654.53,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04612705856561661},{"word":"of","start":654.53,"end":654.69,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014537788927555084},{"word":"dropped","start":654.69,"end":655.19,"confidence":1.0,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.09572862833738328},{"word":"at","start":655.49,"end":655.65,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07332693040370941},{"word":"the","start":655.65,"end":655.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03711341321468353},{"word":"march","start":655.73,"end":656.71,"confidence":0.9864095,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":-0.008029285818338394},{"word":"i'm","start":656.93,"end":657.25,"confidence":0.7973633,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05672898143529892},{"word":"kind","start":657.25,"end":657.49,"confidence":0.9453125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06629256904125214},{"word":"of","start":657.49,"end":657.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09856288135051729},{"word":"watching","start":657.81,"end":658.13,"confidence":0.9921875,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.08593422174453735},{"word":"your","start":658.13,"end":658.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12454398721456528},{"word":"account","start":658.37,"end":658.69,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.029559090733528137},{"word":"go","start":658.69,"end":658.93,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0796421617269516},{"word":"from","start":658.93,"end":659.09,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0785442367196083},{"word":"a","start":659.09,"end":659.25,"confidence":0.89501953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06407052278518677},{"word":"145,000","start":659.25,"end":660.87,"confidence":0.99785155,"punctuated_word":"145,000","sentiment":"neutral","sentiment_score":0.06724994629621506},{"word":"down","start":661.33,"end":661.57,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0877494215965271},{"word":"to","start":661.57,"end":661.73,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0775226503610611},{"word":"a","start":661.73,"end":661.89,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1087227612733841},{"word":"135","start":661.89,"end":663.09,"confidence":0.95581055,"punctuated_word":"135.","sentiment":"neutral","sentiment_score":0.11429888010025024},{"word":"so","start":663.09,"end":663.25,"confidence":0.8388672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11264172196388245},{"word":"it's","start":663.25,"end":663.41003,"confidence":0.7648926,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12851689755916595},{"word":"a","start":663.41003,"end":663.57,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1213136985898018},{"word":"$10","start":663.57,"end":664.21,"confidence":0.9995117,"punctuated_word":"$10","sentiment":"neutral","sentiment_score":0.13573385775089264},{"word":"drop","start":664.21,"end":664.69,"confidence":0.85595703,"punctuated_word":"drop,","sentiment":"neutral","sentiment_score":0.0776553675532341},{"word":"and","start":664.69,"end":664.85004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09886851906776428},{"word":"then","start":664.85004,"end":665.09,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1118394285440445},{"word":"it","start":665.09,"end":665.25,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09762997180223464},{"word":"bounced","start":665.25,"end":665.57,"confidence":0.9819336,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":0.11694081127643584},{"word":"straight","start":665.57,"end":665.89,"confidence":0.99609375,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.16271691024303436},{"word":"back","start":665.89,"end":666.05,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18144749104976657},{"word":"up","start":666.05,"end":666.21,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.15248489379882812},{"word":"to","start":666.21,"end":666.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16672059893608093},{"word":"$1.46","start":666.37,"end":667.51,"confidence":0.9885254,"punctuated_word":"$1.46","sentiment":"neutral","sentiment_score":0.17236188054084778},{"word":"a","start":667.73,"end":667.89,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11965948343276978},{"word":"few","start":667.89,"end":668.13,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.09400472044944765},{"word":"weeks","start":668.13,"end":668.45,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.01870652288198471},{"word":"later","start":668.45,"end":668.95,"confidence":0.9970703,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.041565902531147},{"word":"so","start":668.985,"end":669.225,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05691176652908325},{"word":"it's","start":669.225,"end":669.385,"confidence":0.8083496,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06487327814102173},{"word":"like","start":669.385,"end":669.785,"confidence":0.62939453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07766475528478622},{"word":"10","start":669.785,"end":670.105,"confidence":0.9550781,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.1339033991098404},{"word":"down","start":670.105,"end":670.425,"confidence":0.91845703,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.10460485517978668},{"word":"11","start":670.425,"end":670.825,"confidence":1.0,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.1534000188112259},{"word":"up","start":670.825,"end":671.325,"confidence":0.78466797,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.11926280707120895},{"word":"and","start":671.46497,"end":671.96497,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06277584284543991},{"word":"that","start":672.105,"end":672.345,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07618282735347748},{"word":"kind","start":672.345,"end":672.505,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0308222696185112},{"word":"of","start":672.505,"end":672.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06088821589946747},{"word":"equates","start":672.665,"end":673.065,"confidence":0.9980469,"punctuated_word":"equates","sentiment":"neutral","sentiment_score":0.061719100922346115},{"word":"to","start":673.065,"end":673.14496,"confidence":0.8881836,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05760258436203003},{"word":"like","start":673.14496,"end":673.385,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06429421901702881},{"word":"a","start":673.385,"end":673.885,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06892679631710052},{"word":"7%","start":674.105,"end":674.825,"confidence":1.0,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.05870966985821724},{"word":"drop","start":674.825,"end":675.065,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.012980073690414429},{"word":"and","start":675.065,"end":675.305,"confidence":0.7451172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.021940603852272034},{"word":"a","start":675.305,"end":675.46497,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06135078519582749},{"word":"9%","start":675.46497,"end":676.02496,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.11245065927505492},{"word":"gain","start":676.02496,"end":676.52496,"confidence":1.0,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.12154748290777206},{"word":"in","start":676.985,"end":677.14496,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03301854431629181},{"word":"all","start":677.14496,"end":677.305,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03992699086666107},{"word":"of","start":677.305,"end":677.805,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01986587792634964},{"word":"six","start":677.945,"end":678.265,"confidence":0.9970703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.03090691938996315},{"word":"weeks","start":678.265,"end":678.765,"confidence":0.9921875,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.017382534220814705},{"word":"so","start":678.90497,"end":679.14496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011337552219629288},{"word":"that's","start":679.14496,"end":679.385,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00583239272236824},{"word":"kind","start":679.385,"end":679.625,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.015635646879673004},{"word":"of","start":679.625,"end":679.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0739394873380661},{"word":"the","start":679.785,"end":680.02496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17220064997673035},{"word":"volatility","start":680.02496,"end":680.52496,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.10956929624080658},{"word":"we're","start":680.58496,"end":680.745,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.10388772934675217},{"word":"looking","start":680.745,"end":681.065,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0951840728521347},{"word":"at","start":681.065,"end":681.14496,"confidence":0.9995117,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.15950658917427063},{"word":"i","start":681.14496,"end":681.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14106214046478271},{"word":"know","start":681.305,"end":681.46497,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0730419009923935},{"word":"that's","start":681.46497,"end":681.70496,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09135731309652328},{"word":"a","start":681.70496,"end":681.785,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07257548719644547},{"word":"bit","start":681.785,"end":682.02496,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07229648530483246},{"word":"of","start":682.02496,"end":682.185,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0959528461098671},{"word":"a","start":682.185,"end":682.685,"confidence":0.8120117,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.07558122277259827},{"word":"you","start":682.89,"end":682.97003,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0876583456993103},{"word":"know","start":682.97003,"end":683.13,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08039423078298569},{"word":"a","start":683.13,"end":683.29004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09331275522708891},{"word":"bit","start":683.29004,"end":683.33,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09059950709342957},{"word":"of","start":683.33,"end":683.37,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10001210868358612},{"word":"a","start":683.37,"end":683.61,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12140543013811111},{"word":"buzzword","start":683.61,"end":684.11,"confidence":0.9692383,"punctuated_word":"buzzword","sentiment":"neutral","sentiment_score":-0.10275980085134506},{"word":"in","start":684.17004,"end":684.33,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08305763453245163},{"word":"the","start":684.33,"end":684.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08145184814929962},{"word":"industry","start":684.49,"end":684.99,"confidence":0.9543457,"punctuated_word":"industry,","sentiment":"neutral","sentiment_score":-0.07462135702371597},{"word":"but","start":685.21,"end":685.45,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.048128966242074966},{"word":"it","start":685.45,"end":685.53,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06240903213620186},{"word":"just","start":685.53,"end":685.85004,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06957933306694031},{"word":"means","start":685.85004,"end":686.09,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.05000368505716324},{"word":"that","start":686.09,"end":686.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.042877279222011566},{"word":"when","start":686.49,"end":686.65,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05955461040139198},{"word":"the","start":686.65,"end":686.73004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09269467741250992},{"word":"world's","start":686.73004,"end":687.13,"confidence":0.97680664,"punctuated_word":"world's","sentiment":"neutral","sentiment_score":-0.11389615386724472},{"word":"doing","start":687.13,"end":687.37,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.10365018248558044},{"word":"what","start":687.37,"end":687.53,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0958295613527298},{"word":"it's","start":687.53,"end":687.69,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10683047771453856},{"word":"doing","start":687.69,"end":688.17004,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.10265060514211656},{"word":"currently","start":688.17004,"end":688.67004,"confidence":0.99365234,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":-0.09531351923942566},{"word":"higher","start":689.13,"end":689.45,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.092592254281044},{"word":"highs","start":689.45,"end":689.85004,"confidence":1.0,"punctuated_word":"highs","sentiment":"neutral","sentiment_score":-0.0856202095746994},{"word":"and","start":689.85004,"end":690.01,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15250422060489657},{"word":"lower","start":690.01,"end":690.41003,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.1853041797876358},{"word":"lows","start":690.41003,"end":690.91003,"confidence":1.0,"punctuated_word":"lows","sentiment":"neutral","sentiment_score":-0.17368388175964355},{"word":"in","start":691.05,"end":691.29004,"confidence":0.8989258,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14211656153202057},{"word":"a","start":691.29004,"end":691.45,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016553398221731186},{"word":"shorter","start":691.45,"end":691.85004,"confidence":1.0,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":0.00864429771900177},{"word":"period","start":691.85004,"end":692.17004,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.02954653650522232},{"word":"of","start":692.17004,"end":692.41003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0441550686955452},{"word":"time","start":692.41003,"end":692.81,"confidence":0.9428711,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.06350088119506836},{"word":"and","start":692.81,"end":692.89,"confidence":0.85595703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02249521017074585},{"word":"i","start":692.89,"end":693.05,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02617865800857544},{"word":"was","start":693.05,"end":693.21,"confidence":0.72558594,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02430611103773117},{"word":"wanting","start":693.21,"end":693.53,"confidence":0.69970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.0541011244058609},{"word":"to","start":693.53,"end":693.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08755090087652206},{"word":"kind","start":693.61,"end":693.77,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11354664713144302},{"word":"of","start":693.77,"end":693.85004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11973394453525545},{"word":"gauge","start":693.85004,"end":694.17004,"confidence":0.9980469,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":0.057820990681648254},{"word":"your","start":694.17004,"end":694.33,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07837090641260147},{"word":"comfort","start":694.33,"end":694.65,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.0862947404384613},{"word":"level","start":694.65,"end":694.97003,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.14487862586975098},{"word":"with","start":694.97003,"end":695.13,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07162979990243912},{"word":"that","start":695.13,"end":695.625,"confidence":0.92822266,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.029431134462356567},{"word":"yep","start":700.745,"end":701.245,"confidence":0.81518555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16576576232910156},{"word":"now","start":701.305,"end":701.805,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14088739454746246},{"word":"our","start":701.945,"end":702.185,"confidence":0.98535156,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1205551102757454},{"word":"usual","start":702.185,"end":702.585,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.20300275087356567},{"word":"strategy","start":702.585,"end":703.065,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.17936672270298004},{"word":"in","start":703.065,"end":703.145,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17485322058200836},{"word":"that","start":703.145,"end":703.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1350823938846588},{"word":"situation","start":703.465,"end":703.965,"confidence":1.0,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.13945773243904114},{"word":"is","start":704.025,"end":704.185,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1321888118982315},{"word":"obviously","start":704.185,"end":704.585,"confidence":0.62939453,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1648055762052536},{"word":"your","start":704.585,"end":704.745,"confidence":0.88134766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14863047003746033},{"word":"contributions","start":704.745,"end":705.245,"confidence":0.98291016,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1879836767911911},{"word":"are","start":705.305,"end":705.465,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16496512293815613},{"word":"coming","start":705.465,"end":705.705,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1729412078857422},{"word":"in","start":705.705,"end":705.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18662384152412417},{"word":"very","start":705.945,"end":706.265,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.17220209538936615},{"word":"regularly","start":706.265,"end":706.745,"confidence":0.99902344,"punctuated_word":"regularly","sentiment":"neutral","sentiment_score":0.1638549268245697},{"word":"from","start":706.745,"end":707.065,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.13213786482810974},{"word":"work","start":707.065,"end":707.565,"confidence":0.8588867,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.1269034445285797},{"word":"especially","start":707.705,"end":708.185,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.12829957902431488},{"word":"considering","start":708.185,"end":708.685,"confidence":0.99316406,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.15035954117774963},{"word":"you're","start":708.745,"end":708.905,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1843317747116089},{"word":"in","start":708.905,"end":709.065,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15158002078533173},{"word":"the","start":709.065,"end":709.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23654653131961825},{"word":"education","start":709.145,"end":709.645,"confidence":0.9980469,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.24205069243907928},{"word":"department","start":709.785,"end":710.285,"confidence":0.9169922,"punctuated_word":"department.","sentiment":"neutral","sentiment_score":0.21802553534507751},{"word":"they","start":710.7,"end":710.94,"confidence":1.0,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.3380308747291565},{"word":"pay","start":710.94,"end":711.26,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.33945444226264954},{"word":"pretty","start":711.26,"end":711.66003,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.42682307958602905},{"word":"well","start":711.66003,"end":712.16003,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4377308189868927},{"word":"on","start":712.22003,"end":712.72003,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4379877746105194},{"word":"the","start":713.82,"end":713.98004,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4281620979309082},{"word":"payroll","start":713.98004,"end":714.46,"confidence":0.9941406,"punctuated_word":"payroll","sentiment":"positive","sentiment_score":0.3856566548347473},{"word":"frequency","start":714.46,"end":714.96,"confidence":0.9995117,"punctuated_word":"frequency.","sentiment":"neutral","sentiment_score":0.31157517433166504},{"word":"they're","start":715.26,"end":715.5,"confidence":0.99853516,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.2079082578420639},{"word":"not","start":715.5,"end":715.66003,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10179129242897034},{"word":"just","start":715.66003,"end":716.16003,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17746704816818237},{"word":"waiting","start":716.22003,"end":716.54004,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.1572411209344864},{"word":"for","start":716.54004,"end":716.78,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13213962316513062},{"word":"a","start":716.78,"end":716.94,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.168476402759552},{"word":"quarter","start":716.94,"end":717.44,"confidence":0.9914551,"punctuated_word":"quarter,","sentiment":"neutral","sentiment_score":0.17711275815963745},{"word":"which","start":717.5,"end":717.74005,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.193294957280159},{"word":"means","start":717.74005,"end":717.98004,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.20597660541534424},{"word":"you","start":717.98004,"end":718.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.296396940946579},{"word":"get","start":718.14,"end":718.30005,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2949003577232361},{"word":"to","start":718.30005,"end":718.46,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26514771580696106},{"word":"kind","start":718.46,"end":718.62,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2233336716890335},{"word":"of","start":718.62,"end":718.86005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23913703858852384},{"word":"spread","start":718.86005,"end":719.10004,"confidence":1.0,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.2250608950853348},{"word":"out","start":719.10004,"end":719.34,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.25669458508491516},{"word":"the","start":719.34,"end":719.5,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3024980127811432},{"word":"buys","start":719.5,"end":719.82,"confidence":0.9370117,"punctuated_word":"buys","sentiment":"neutral","sentiment_score":0.21171826124191284},{"word":"into","start":719.82,"end":720.14,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.20217156410217285},{"word":"the","start":720.14,"end":720.30005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25452372431755066},{"word":"market","start":720.30005,"end":720.80005,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.22700610756874084},{"word":"just","start":720.94,"end":721.18,"confidence":0.9472656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2525182366371155},{"word":"like","start":721.18,"end":721.42004,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28186851739883423},{"word":"you're","start":721.42004,"end":721.58,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21621978282928467},{"word":"doing","start":721.58,"end":721.82,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.19958281517028809},{"word":"with","start":721.82,"end":721.98004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19531860947608948},{"word":"the","start":721.98004,"end":722.14,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.164457768201828},{"word":"comsec","start":722.14,"end":722.64,"confidence":0.47937012,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.10002084821462633},{"word":"on","start":722.86005,"end":723.02,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1479291319847107},{"word":"that","start":723.02,"end":723.26,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16313594579696655},{"word":"weekly","start":723.26,"end":723.74005,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.1072361171245575},{"word":"fortnightly","start":723.74005,"end":724.24005,"confidence":0.7492676,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":0.08715060353279114},{"word":"basis","start":724.54004,"end":725.04004,"confidence":1.0,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.07593394070863724},{"word":"so","start":726.33496,"end":726.495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11097532510757446},{"word":"what","start":726.495,"end":726.735,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19126752018928528},{"word":"we","start":726.735,"end":726.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1529247760772705},{"word":"tend","start":726.815,"end":727.055,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.20733623206615448},{"word":"to","start":727.055,"end":727.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.195017471909523},{"word":"do","start":727.135,"end":727.295,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19789481163024905},{"word":"there","start":727.295,"end":727.695,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.16674835979938507},{"word":"is","start":727.695,"end":727.935,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18470242619514465},{"word":"contributions","start":727.935,"end":728.435,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.15029004216194153},{"word":"come","start":728.65497,"end":728.89496,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.17343109846115112},{"word":"in","start":728.89496,"end":729.295,"confidence":0.9538574,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.16091588139533997},{"word":"if","start":729.295,"end":729.45496,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2065664827823639},{"word":"the","start":729.45496,"end":729.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1831233650445938},{"word":"market's","start":729.615,"end":730.01495,"confidence":0.9904785,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.2099922150373459},{"word":"dipping","start":730.01495,"end":730.51495,"confidence":0.99902344,"punctuated_word":"dipping","sentiment":"neutral","sentiment_score":0.2500714957714081},{"word":"and","start":730.815,"end":731.055,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.186132088303566},{"word":"we","start":731.055,"end":731.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16813045740127563},{"word":"buy","start":731.295,"end":731.45496,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.16243401169776917},{"word":"in","start":731.45496,"end":731.695,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19235306978225708},{"word":"there","start":731.695,"end":732.175,"confidence":0.9995117,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2527098059654236},{"word":"it's","start":732.175,"end":732.415,"confidence":0.93896484,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2846607565879822},{"word":"just","start":732.415,"end":732.65497,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24607709050178528},{"word":"kind","start":732.65497,"end":732.815,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21593227982521057},{"word":"of","start":732.815,"end":732.975,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2650086283683777},{"word":"used","start":732.975,"end":733.21497,"confidence":0.99902344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.24285447597503665},{"word":"as","start":733.21497,"end":733.375,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2598165273666382},{"word":"a","start":733.375,"end":733.45496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25286436080932617},{"word":"buying","start":733.45496,"end":733.855,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.21848732233047485},{"word":"opportunity","start":733.855,"end":734.355,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.2249639332294464},{"word":"to","start":734.415,"end":734.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2328888773918152},{"word":"pick","start":734.575,"end":734.735,"confidence":0.9980469,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.256395161151886},{"word":"up","start":734.735,"end":734.89496,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2463785409927368},{"word":"some","start":734.89496,"end":735.135,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.24381965398788452},{"word":"shares","start":735.135,"end":735.535,"confidence":0.9416504,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.26378411054611206},{"word":"property","start":735.535,"end":735.855,"confidence":0.9355469,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.30969953536987305},{"word":"and","start":735.855,"end":736.01495,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30301299691200256},{"word":"gold","start":736.01495,"end":736.33496,"confidence":0.9707031,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.3328590989112854},{"word":"for","start":736.33496,"end":736.495,"confidence":0.9560547,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3406992554664612},{"word":"the","start":736.495,"end":736.575,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30539411306381226},{"word":"cheaper","start":736.575,"end":736.975,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.27428707480430603},{"word":"price","start":736.975,"end":737.45496,"confidence":0.9428711,"punctuated_word":"price.","sentiment":"neutral","sentiment_score":0.21085259318351743},{"word":"and","start":737.45496,"end":737.615,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1464775800704956},{"word":"then","start":737.615,"end":737.77496,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15486367046833038},{"word":"when","start":737.77496,"end":737.935,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.17146238684654236},{"word":"the","start":737.935,"end":738.01495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16498523950576782},{"word":"market","start":738.01495,"end":738.415,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.28132227063179016},{"word":"bounces","start":738.415,"end":738.815,"confidence":0.99902344,"punctuated_word":"bounces","sentiment":"neutral","sentiment_score":0.30952098965644836},{"word":"back","start":738.815,"end":739.055,"confidence":0.9995117,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.3016601800918579},{"word":"you","start":739.055,"end":739.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3311964273452759},{"word":"can","start":739.135,"end":739.295,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29942697286605835},{"word":"kinda","start":739.295,"end":739.615,"confidence":0.6220703,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3657779991626739},{"word":"get","start":739.615,"end":739.77496,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.34099704027175903},{"word":"that","start":739.77496,"end":740.01495,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3476656377315521},{"word":"big","start":740.01495,"end":740.49,"confidence":0.99902344,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.37168028950691223},{"word":"double","start":740.57,"end":740.89,"confidence":1.0,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.4318852722644806},{"word":"digit","start":740.89,"end":741.20996,"confidence":1.0,"punctuated_word":"digit","sentiment":"positive","sentiment_score":0.36448532342910767},{"word":"return","start":741.20996,"end":741.52997,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.3669509291648865},{"word":"on","start":741.52997,"end":741.69,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3246420621871948},{"word":"the","start":741.69,"end":741.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26496705412864685},{"word":"way","start":741.85,"end":742.01,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.34015631675720215},{"word":"up","start":742.01,"end":742.17,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3038982152938843},{"word":"again","start":742.17,"end":742.67,"confidence":1.0,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.2104278802871704},{"word":"now","start":744.64996,"end":745.14996,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.08046101778745651},{"word":"probably","start":745.20996,"end":745.61,"confidence":0.91748047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2164694666862488},{"word":"don't","start":745.61,"end":745.77,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23013941943645477},{"word":"wanna","start":745.77,"end":746.01,"confidence":0.8613281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.30251115560531616},{"word":"stay","start":746.01,"end":746.25,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.33025336265563965},{"word":"high","start":746.25,"end":746.41,"confidence":0.97998047,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.3643391132354736},{"word":"risk","start":746.41,"end":746.64996,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.34947460889816284},{"word":"when","start":746.64996,"end":746.89,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.23389872908592224},{"word":"you're","start":746.89,"end":747.13,"confidence":0.9296875,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":-0.22845757007598877},{"word":"say","start":747.13,"end":747.45,"confidence":0.9951172,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.18674103915691376},{"word":"59","start":747.45,"end":748.27,"confidence":1.0,"punctuated_word":"59","sentiment":"neutral","sentiment_score":-0.16960540413856506},{"word":"and","start":748.33,"end":748.49,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18855291604995728},{"word":"then","start":748.49,"end":748.81,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12639035284519196},{"word":"lose","start":748.81,"end":749.13,"confidence":1.0,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.34732577204704285},{"word":"half","start":749.13,"end":749.29,"confidence":0.9951172,"punctuated_word":"half","sentiment":"negative","sentiment_score":-0.382433146238327},{"word":"your","start":749.29,"end":749.52997,"confidence":0.9160156,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.40672120451927185},{"word":"super","start":749.52997,"end":750.02997,"confidence":0.5449219,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.42099031805992126},{"word":"to","start":750.08997,"end":750.25,"confidence":0.9941406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3753630518913269},{"word":"a","start":750.25,"end":750.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4204981327056885},{"word":"stock","start":750.41,"end":750.64996,"confidence":0.984375,"punctuated_word":"stock","sentiment":"negative","sentiment_score":-0.4395900368690491},{"word":"market","start":750.64996,"end":750.97,"confidence":1.0,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.4072303473949432},{"word":"crash","start":750.97,"end":751.20996,"confidence":0.9970703,"punctuated_word":"crash","sentiment":"negative","sentiment_score":-0.35951751470565796},{"word":"a","start":751.20996,"end":751.29,"confidence":0.984375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3825615644454956},{"word":"year","start":751.29,"end":751.52997,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.33311551809310913},{"word":"before","start":751.52997,"end":751.77,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.3023056983947754},{"word":"you","start":751.77,"end":751.93,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3312584459781647},{"word":"retire","start":751.93,"end":752.33,"confidence":0.95874023,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.26733100414276123},{"word":"does","start":752.33,"end":752.49,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.059574104845523834},{"word":"that","start":752.49,"end":752.64996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08931341022253036},{"word":"make","start":752.64996,"end":752.89,"confidence":0.9902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1117255762219429},{"word":"sense","start":752.89,"end":753.375,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.1600923240184784},{"word":"absolutely","start":754.895,"end":755.395,"confidence":0.9951172,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.17343468964099884},{"word":"so","start":755.455,"end":755.855,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1417766511440277},{"word":"if","start":755.855,"end":756.015,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2040482759475708},{"word":"you're","start":756.015,"end":756.335,"confidence":0.97631836,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20564107596874237},{"word":"comfortable","start":756.335,"end":756.815,"confidence":0.984375,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1610717624425888},{"word":"with","start":756.815,"end":756.975,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2909048795700073},{"word":"that","start":756.975,"end":757.295,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.30322974920272827},{"word":"i","start":757.295,"end":757.375,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.241083025932312},{"word":"just","start":757.375,"end":757.615,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23019221425056455},{"word":"wanted","start":757.615,"end":757.855,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1805935651063919},{"word":"to","start":757.855,"end":757.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19517797231674192},{"word":"kind","start":757.935,"end":758.175,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21040061116218567},{"word":"of","start":758.175,"end":758.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19439874589443207},{"word":"let","start":758.255,"end":758.375,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15206749737262726},{"word":"you","start":758.375,"end":758.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13585011661052704},{"word":"know","start":758.495,"end":758.735,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.15735337138175964},{"word":"that","start":758.735,"end":759.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13238076865673065},{"word":"in","start":759.295,"end":759.455,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09886518865823746},{"word":"the","start":759.455,"end":759.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14098112285137177},{"word":"performance","start":759.695,"end":760.195,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.08098138123750687},{"word":"report","start":760.255,"end":760.735,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.09246988594532012},{"word":"attached","start":760.735,"end":761.235,"confidence":1.0,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.12060020864009856},{"word":"to","start":761.455,"end":761.615,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11882613599300385},{"word":"that","start":761.615,"end":761.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1049649342894554},{"word":"email","start":761.855,"end":762.255,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.08228322863578796},{"word":"i","start":762.255,"end":762.335,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06855156272649765},{"word":"sent","start":762.335,"end":762.575,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.06921721994876862},{"word":"you","start":762.575,"end":762.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054982006549835205},{"word":"i","start":762.895,"end":762.975,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02327822148799896},{"word":"don't","start":762.975,"end":763.215,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.007682654075324535},{"word":"know","start":763.215,"end":763.375,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0064500682055950165},{"word":"if","start":763.375,"end":763.535,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.011455828323960304},{"word":"you","start":763.535,"end":763.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02738526463508606},{"word":"can","start":763.615,"end":763.855,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04284099489450455},{"word":"see","start":763.855,"end":764.095,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03340316191315651},{"word":"that","start":764.095,"end":764.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023122325539588928},{"word":"there","start":764.255,"end":764.415,"confidence":0.9589844,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03255869448184967},{"word":"there's","start":764.415,"end":764.655,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.053806375712156296},{"word":"a","start":764.655,"end":764.735,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.058388277888298035},{"word":"hub","start":764.735,"end":764.975,"confidence":0.63623047,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.046228356659412384},{"word":"twenty","start":764.975,"end":765.215,"confidence":0.9921875,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04737555980682373},{"word":"four","start":765.215,"end":765.455,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.039215315133333206},{"word":"performance","start":765.455,"end":765.935,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.02864755317568779},{"word":"report","start":765.935,"end":766.435,"confidence":0.9863281,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.03871025890111923},{"word":"yep","start":772.13,"end":772.37,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10831093788146973},{"word":"and","start":772.37,"end":772.61005,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13094130158424375},{"word":"you","start":772.61005,"end":772.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13621431589126587},{"word":"should","start":772.77,"end":772.93,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.20031878352165225},{"word":"see","start":772.93,"end":773.17004,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1472834050655365},{"word":"on","start":773.17004,"end":773.33,"confidence":0.98095703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13089890778064728},{"word":"the","start":773.33,"end":773.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13112777471542358},{"word":"first","start":773.49,"end":773.81,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.11659921705722807},{"word":"page","start":773.81,"end":774.31,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10831302404403688},{"word":"a","start":774.45,"end":774.61005,"confidence":0.89746094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15886691212654114},{"word":"really","start":774.61005,"end":774.85004,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.13820093870162964},{"word":"big","start":774.85004,"end":775.09,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.18104910850524905},{"word":"blue","start":775.09,"end":775.41003,"confidence":0.9941406,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.16373784840106964},{"word":"table","start":775.41003,"end":775.73004,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.1646079570055008},{"word":"with","start":775.73004,"end":775.97003,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1853648871183395},{"word":"all","start":775.97003,"end":776.05005,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15672585368156433},{"word":"your","start":776.05005,"end":776.21,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10777188092470168},{"word":"different","start":776.21,"end":776.61005,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.10645679384469986},{"word":"investment","start":776.61005,"end":777.11005,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04726310446858406},{"word":"codes","start":777.25,"end":777.65,"confidence":0.99902344,"punctuated_word":"codes","sentiment":"neutral","sentiment_score":0.07940823584794998},{"word":"there","start":777.65,"end":777.97003,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15168587863445282},{"word":"similar","start":777.97003,"end":778.29004,"confidence":0.66308594,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.12842488288879397},{"word":"to","start":778.29004,"end":778.45,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17487575113773346},{"word":"your","start":778.45,"end":778.69,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1237720474600792},{"word":"commsec","start":778.69,"end":779.19,"confidence":0.9108887,"punctuated_word":"CommSec","sentiment":"neutral","sentiment_score":0.11375951766967772},{"word":"because","start":779.905,"end":780.145,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1139429584145546},{"word":"they","start":780.145,"end":780.385,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14913314580917358},{"word":"are","start":780.385,"end":780.705,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1464345008134842},{"word":"etfs","start":780.705,"end":781.205,"confidence":0.99609375,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.11881863325834274},{"word":"as","start":781.265,"end":781.425,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13912999629974365},{"word":"well","start":781.425,"end":781.825,"confidence":0.92700195,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10662227869033812},{"word":"and","start":781.825,"end":782.065,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08976538479328156},{"word":"then","start":782.065,"end":782.305,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09868702292442322},{"word":"the","start":782.305,"end":782.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08929195255041122},{"word":"second","start":782.465,"end":782.78503,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.08229613304138184},{"word":"page","start":782.78503,"end":783.28503,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08464121073484421},{"word":"is","start":783.585,"end":783.745,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06431877613067627},{"word":"your","start":783.745,"end":784.065,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05765732377767563},{"word":"total","start":784.065,"end":784.545,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.09060387313365936},{"word":"portfolio","start":784.545,"end":785.045,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06874106824398041},{"word":"in","start":785.505,"end":785.665,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0728892832994461},{"word":"one","start":785.665,"end":785.985,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08374879509210587},{"word":"line","start":785.985,"end":786.485,"confidence":1.0,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.08500255644321442},{"word":"k","start":788.465,"end":788.78503,"confidence":0.78759766,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.021382005885243416},{"word":"so","start":788.78503,"end":789.105,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24398173391819},{"word":"overall","start":789.105,"end":789.605,"confidence":0.77856445,"punctuated_word":"overall,","sentiment":"positive","sentiment_score":0.3394584655761719},{"word":"10.33%","start":790.385,"end":791.925,"confidence":0.99423826,"punctuated_word":"10.33%","sentiment":"positive","sentiment_score":0.4271971881389618},{"word":"return","start":791.985,"end":792.485,"confidence":0.99902344,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4903092682361603},{"word":"after","start":792.865,"end":793.265,"confidence":0.9951172,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.35801005363464355},{"word":"fees","start":793.265,"end":793.765,"confidence":0.8828125,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.4032818675041199},{"word":"fantastic","start":794.07,"end":794.57,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7908744215965271},{"word":"that's","start":794.71,"end":794.95,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2669435739517212},{"word":"kind","start":794.95,"end":795.11005,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17492376267910004},{"word":"of","start":795.11005,"end":795.27,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17131905257701874},{"word":"what","start":795.27,"end":795.43,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16466225683689115},{"word":"we're","start":795.43,"end":795.59,"confidence":0.98413086,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19861900806427},{"word":"aiming","start":795.59,"end":795.91003,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.21113649010658264},{"word":"for","start":795.91003,"end":796.15,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26853474974632263},{"word":"in","start":796.15,"end":796.31,"confidence":0.94384766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23024366796016693},{"word":"high","start":796.31,"end":796.47003,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3168286085128784},{"word":"growth","start":796.47003,"end":796.71,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3942480385303498},{"word":"is","start":796.71,"end":796.95,"confidence":0.87158203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18374516069889069},{"word":"10%","start":796.95,"end":797.43,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.26548656821250916},{"word":"or","start":797.43,"end":797.59,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.212077796459198},{"word":"above","start":797.59,"end":798.09,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.22254106402397156},{"word":"in","start":798.71,"end":798.87,"confidence":0.9760742,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02343742363154888},{"word":"terms","start":798.87,"end":799.11005,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.012475617229938509},{"word":"of","start":799.11005,"end":799.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00908413901925087},{"word":"a","start":799.19,"end":799.43,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008202970959246159},{"word":"benchmark","start":799.43,"end":799.93,"confidence":1.0,"punctuated_word":"benchmark.","sentiment":"neutral","sentiment_score":-0.021185964345932007},{"word":"the","start":800.71,"end":800.95,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0917266458272934},{"word":"thing","start":800.95,"end":801.19,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.13075779378414154},{"word":"that","start":801.19,"end":801.35004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10664516687393188},{"word":"i","start":801.35004,"end":801.43,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06601931154727936},{"word":"looked","start":801.43,"end":801.67004,"confidence":0.7636719,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.06988155841827393},{"word":"to","start":801.67004,"end":801.91003,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07654411345720291},{"word":"beforehand","start":801.91003,"end":802.41003,"confidence":0.9980469,"punctuated_word":"beforehand","sentiment":"neutral","sentiment_score":-0.10814180225133896},{"word":"is","start":802.95,"end":803.19,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1439223736524582},{"word":"on","start":803.19,"end":803.35004,"confidence":0.95410156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10507281124591827},{"word":"that","start":803.35004,"end":803.59,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07728226482868195},{"word":"first","start":803.59,"end":803.91003,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.08705022186040878},{"word":"page","start":803.91003,"end":804.41003,"confidence":0.9838867,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":-0.08712580800056458},{"word":"you","start":804.47003,"end":804.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10000823438167572},{"word":"can","start":804.63,"end":804.79004,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08044479042291641},{"word":"see","start":804.79004,"end":805.03,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06846334785223007},{"word":"there's","start":805.03,"end":805.27,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.11874224990606308},{"word":"a","start":805.27,"end":805.43,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1470678448677063},{"word":"huge","start":805.43,"end":805.83,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":-0.1869215667247772},{"word":"difference","start":805.83,"end":806.23004,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.17676611244678497},{"word":"between","start":806.23004,"end":806.63,"confidence":0.74902344,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":-0.1537279486656189},{"word":"on","start":806.63,"end":806.79004,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.16891781985759735},{"word":"the","start":806.79004,"end":807.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10152281820774078},{"word":"very","start":807.03,"end":807.35004,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.11612733453512192},{"word":"right","start":807.35004,"end":807.51,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.0811368077993393},{"word":"hand","start":807.51,"end":807.75,"confidence":1.0,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":-0.07954433560371399},{"word":"column","start":807.75,"end":808.25,"confidence":0.9980469,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":-0.10031064599752426},{"word":"the","start":808.935,"end":809.09503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08745039999485016},{"word":"different","start":809.09503,"end":809.495,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.06586384028196335},{"word":"percentage","start":809.495,"end":809.97504,"confidence":0.99902344,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":-0.0431387834250927},{"word":"returns","start":809.97504,"end":810.375,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.056061580777168274},{"word":"of","start":810.375,"end":810.53503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07857102155685425},{"word":"each","start":810.53503,"end":811.03503,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.05342995375394821},{"word":"asset","start":811.09503,"end":811.495,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.08181240409612656},{"word":"that","start":811.495,"end":811.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09516273438930511},{"word":"you","start":811.655,"end":811.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07357850670814514},{"word":"hold","start":811.895,"end":812.395,"confidence":0.99560547,"punctuated_word":"hold.","sentiment":"neutral","sentiment_score":-0.10617700219154358},{"word":"so","start":814.135,"end":814.375,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1530166119337082},{"word":"if","start":814.375,"end":814.53503,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.18178284168243408},{"word":"you","start":814.53503,"end":814.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1571527123451233},{"word":"can","start":814.615,"end":814.775,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.14106783270835876},{"word":"make","start":814.775,"end":815.015,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.16367030143737793},{"word":"out","start":815.015,"end":815.175,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15301989018917084},{"word":"the","start":815.175,"end":815.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12545901536941528},{"word":"figures","start":815.335,"end":815.655,"confidence":1.0,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.13405826687812805},{"word":"for","start":815.655,"end":815.815,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14706699550151825},{"word":"me","start":815.815,"end":815.97504,"confidence":0.9909668,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.09311671555042268},{"word":"can","start":815.97504,"end":816.135,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.10951003432273863},{"word":"you","start":816.135,"end":816.29504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10726955533027648},{"word":"see","start":816.29504,"end":816.455,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11272749304771423},{"word":"there's","start":816.455,"end":816.695,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.16787484288215637},{"word":"a","start":816.695,"end":816.775,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16067171096801758},{"word":"couple","start":816.775,"end":817.09503,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.2880019545555115},{"word":"there","start":817.09503,"end":817.335,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1748872846364975},{"word":"in","start":817.335,"end":817.575,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1944696605205536},{"word":"brackets","start":817.575,"end":818.075,"confidence":0.9387207,"punctuated_word":"brackets,","sentiment":"neutral","sentiment_score":-0.2068817913532257},{"word":"which","start":818.135,"end":818.375,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.19099430739879608},{"word":"is","start":818.375,"end":818.53503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19408370554447177},{"word":"a","start":818.53503,"end":818.615,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23042497038841248},{"word":"negative","start":818.615,"end":819.09503,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.25319716334342957},{"word":"return","start":819.09503,"end":819.59503,"confidence":0.86035156,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":-0.2472717761993408},{"word":"and","start":819.895,"end":820.135,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1000119224190712},{"word":"the","start":820.135,"end":820.29504,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10426285862922668},{"word":"rest","start":820.29504,"end":820.455,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.15301284193992615},{"word":"of","start":820.455,"end":820.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11640744656324388},{"word":"them","start":820.615,"end":820.935,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1479213386774063},{"word":"vary","start":820.935,"end":821.175,"confidence":0.99902344,"punctuated_word":"vary","sentiment":"neutral","sentiment_score":-0.07939768582582474},{"word":"between","start":821.175,"end":821.655,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.13294576108455658},{"word":"4%","start":821.655,"end":822.47504,"confidence":0.9995117,"punctuated_word":"4%","sentiment":"neutral","sentiment_score":-0.1158340573310852},{"word":"upwards","start":822.85,"end":823.17,"confidence":1.0,"punctuated_word":"upwards","sentiment":"neutral","sentiment_score":-0.11693206429481506},{"word":"of","start":823.17,"end":823.33,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1122923195362091},{"word":"80","start":823.33,"end":823.65,"confidence":1.0,"punctuated_word":"80","sentiment":"neutral","sentiment_score":-0.11467817425727844},{"word":"or","start":823.65,"end":823.89,"confidence":0.9707031,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13633812963962555},{"word":"90%","start":823.89,"end":824.71,"confidence":0.9995117,"punctuated_word":"90%.","sentiment":"neutral","sentiment_score":-0.10583946108818054},{"word":"k","start":826.53,"end":826.77,"confidence":0.75097656,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.022786874324083328},{"word":"so","start":826.77,"end":826.85,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02296658232808113},{"word":"that's","start":826.85,"end":827.35,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.007172544952481985},{"word":"all","start":827.49,"end":827.73,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.017341017723083496},{"word":"your","start":827.73,"end":827.89,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019207343459129333},{"word":"different","start":827.89,"end":828.29,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.015595808625221252},{"word":"sectors","start":828.29,"end":828.77,"confidence":1.0,"punctuated_word":"sectors","sentiment":"neutral","sentiment_score":0.011531423777341844},{"word":"and","start":828.77,"end":829.17,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01748592033982277},{"word":"asset","start":829.17,"end":829.57,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.0042810700833797455},{"word":"classes","start":829.57,"end":830.07,"confidence":0.9916992,"punctuated_word":"classes.","sentiment":"neutral","sentiment_score":0.006973234936594963},{"word":"so","start":830.29,"end":830.77,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022575195878744125},{"word":"australian","start":830.77,"end":831.27,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.2989257872104645},{"word":"shares","start":831.33,"end":831.81,"confidence":0.98168945,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.24086901545524597},{"word":"gold","start":831.81,"end":832.31,"confidence":0.9667969,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.329593300819397},{"word":"your","start":832.85,"end":833.09,"confidence":0.64160156,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4747330844402313},{"word":"battery","start":833.09,"end":833.49,"confidence":0.96435547,"punctuated_word":"battery","sentiment":"positive","sentiment_score":0.33423593640327454},{"word":"tech","start":833.49,"end":833.65,"confidence":0.9428711,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.2992759048938751},{"word":"and","start":833.65,"end":833.81,"confidence":0.61035156,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.413230299949646},{"word":"lithium","start":833.81,"end":834.29,"confidence":0.99902344,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":0.25583362579345703},{"word":"was","start":834.29,"end":834.53,"confidence":0.9951172,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5351746082305908},{"word":"amazing","start":834.53,"end":835.01,"confidence":0.9169922,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.4946211576461792},{"word":"that's","start":835.01,"end":835.25,"confidence":0.80249023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17439445853233335},{"word":"kind","start":835.25,"end":835.41,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2255665361881256},{"word":"of","start":835.41,"end":835.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27142637968063354},{"word":"electric","start":835.89,"end":836.37,"confidence":0.95410156,"punctuated_word":"electric","sentiment":"neutral","sentiment_score":0.3329685926437378},{"word":"vehicles","start":836.37,"end":836.87,"confidence":0.9914551,"punctuated_word":"vehicles.","sentiment":"neutral","sentiment_score":0.12791144847869873},{"word":"that","start":837.09,"end":837.33,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.0597003661096096},{"word":"one","start":837.33,"end":837.57,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04752006009221077},{"word":"had","start":837.57,"end":838.07,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05038737505674362},{"word":"probably","start":838.285,"end":838.44495,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03319612145423889},{"word":"the","start":838.44495,"end":838.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016652539372444153},{"word":"biggest","start":838.605,"end":839.085,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.017862282693386078},{"word":"surge","start":839.085,"end":839.565,"confidence":1.0,"punctuated_word":"surge","sentiment":"neutral","sentiment_score":0.07273873686790466},{"word":"in","start":839.565,"end":839.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007360145449638367},{"word":"the","start":839.805,"end":839.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018515221774578094},{"word":"last","start":839.885,"end":840.125,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.004643209278583527},{"word":"twelve","start":840.125,"end":840.445,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0028449371457099915},{"word":"months","start":840.445,"end":840.925,"confidence":0.98291016,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.01090078428387642},{"word":"but","start":840.925,"end":841.165,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.018768873065710068},{"word":"your","start":841.165,"end":841.405,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06578655540943146},{"word":"australian","start":841.405,"end":841.805,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.053138382732868195},{"word":"shares","start":841.805,"end":842.125,"confidence":1.0,"punctuated_word":"shares","sentiment":"negative","sentiment_score":-0.34642449021339417},{"word":"are","start":842.125,"end":842.205,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.23546594381332395},{"word":"a","start":842.205,"end":842.285,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2189573645591736},{"word":"bit","start":842.285,"end":842.525,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24644988775253296},{"word":"down","start":842.525,"end":842.765,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.15691930055618286},{"word":"at","start":842.765,"end":842.845,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2708640992641449},{"word":"the","start":842.845,"end":842.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23849201202392575},{"word":"moment","start":842.925,"end":843.325,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.28832972049713135},{"word":"as","start":843.325,"end":843.485,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.21191667020320892},{"word":"well","start":843.485,"end":843.985,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.18388769030570984},{"word":"k","start":845.325,"end":845.645,"confidence":0.7624512,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.03371400386095047},{"word":"so","start":845.645,"end":845.965,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04903421550989151},{"word":"what","start":845.965,"end":846.205,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.041907887905836105},{"word":"we","start":846.205,"end":846.365,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.028653014451265335},{"word":"tend","start":846.365,"end":846.605,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.027410250157117844},{"word":"to","start":846.605,"end":846.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019636061042547222},{"word":"do","start":846.685,"end":846.845,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015965770930051804},{"word":"is","start":846.845,"end":847.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008125703781843185},{"word":"every","start":847.005,"end":847.165,"confidence":0.96875,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.00782950222492218},{"word":"now","start":847.165,"end":847.325,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.009952612221240996},{"word":"and","start":847.325,"end":847.485,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01449984684586525},{"word":"then","start":847.485,"end":847.645,"confidence":0.9645996,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.007153946906328201},{"word":"we","start":847.645,"end":847.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0014425814151763916},{"word":"just","start":847.725,"end":847.965,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02465091645717621},{"word":"kind","start":847.965,"end":848.125,"confidence":0.9589844,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.029231157153844833},{"word":"of","start":848.125,"end":848.285,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022200722247362137},{"word":"rebalance","start":848.285,"end":848.785,"confidence":0.99934894,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.04445686936378479},{"word":"things","start":848.845,"end":849.085,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.040142253041267395},{"word":"a","start":849.085,"end":849.165,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.049073971807956696},{"word":"little","start":849.165,"end":849.405,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04218580946326256},{"word":"bit","start":849.405,"end":849.905,"confidence":0.9260254,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.05127547308802605},{"word":"sort","start":849.965,"end":850.205,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02542348951101303},{"word":"of","start":850.205,"end":850.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02633083239197731},{"word":"sell","start":851.41003,"end":851.73004,"confidence":0.9980469,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.02448922023177147},{"word":"high","start":851.73004,"end":851.97003,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.019063297659158707},{"word":"to","start":851.97003,"end":852.21,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04816329479217529},{"word":"buy","start":852.21,"end":852.45,"confidence":0.9941406,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.03270329162478447},{"word":"low","start":852.45,"end":852.95,"confidence":0.9980469,"punctuated_word":"low,","sentiment":"neutral","sentiment_score":-0.020612165331840515},{"word":"rebalance","start":853.33,"end":853.83,"confidence":1.0,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.01713651418685913},{"word":"your","start":853.89,"end":854.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01576387882232666},{"word":"investments","start":854.13,"end":854.63,"confidence":0.9951172,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.02363438345491886},{"word":"and","start":855.01,"end":855.17004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018351778388023376},{"word":"then","start":855.17004,"end":855.33,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.030531831085681915},{"word":"just","start":855.33,"end":855.65,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023411668837070465},{"word":"keep","start":855.65,"end":855.89,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.04883337393403053},{"word":"your","start":855.89,"end":856.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03809899836778641},{"word":"contributions","start":856.13,"end":856.63,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.08454754948616028},{"word":"going","start":856.93,"end":857.17004,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07620292901992798},{"word":"in","start":857.17004,"end":857.33,"confidence":0.8691406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040868960320949554},{"word":"to","start":857.33,"end":857.49,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037957437336444855},{"word":"keep","start":857.49,"end":857.73004,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.07468930631875992},{"word":"buying","start":857.73004,"end":857.97003,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.038840267807245255},{"word":"into","start":857.97003,"end":858.29004,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.025363188236951828},{"word":"those","start":858.29004,"end":858.45,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.02428815141320229},{"word":"different","start":858.45,"end":858.85004,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.03118950128555298},{"word":"assets","start":858.85004,"end":859.35004,"confidence":1.0,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.008788548409938812},{"word":"k","start":860.93,"end":861.43,"confidence":0.72314453,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.008364680223166943},{"word":"any","start":861.49,"end":861.81,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.0013702884316444397},{"word":"questions","start":861.81,"end":862.13,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.003814518451690674},{"word":"or","start":862.13,"end":862.37,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026835117489099503},{"word":"concerns","start":862.37,"end":862.85004,"confidence":0.9970703,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":-0.03152775764465332},{"word":"so","start":862.85004,"end":863.09,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.015832945704460144},{"word":"far","start":863.09,"end":863.33,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.004031248390674591},{"word":"from","start":863.33,"end":863.49,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0013314150273799896},{"word":"what","start":863.49,"end":863.73004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010427873581647871},{"word":"you","start":863.73004,"end":863.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00820116326212883},{"word":"can","start":863.89,"end":864.05005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0016969963908195496},{"word":"see","start":864.05005,"end":864.37,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.008490458130836487},{"word":"and","start":864.37,"end":864.61005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0022550970315933228},{"word":"from","start":864.61005,"end":864.77,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.004920266568660736},{"word":"what","start":864.77,"end":864.93,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.008064202964305878},{"word":"i've","start":864.93,"end":865.09,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0022702503483742476},{"word":"told","start":865.09,"end":865.41003,"confidence":1.0,"punctuated_word":"told","sentiment":"neutral","sentiment_score":0.008492570370435715},{"word":"you","start":865.41003,"end":865.875,"confidence":0.9980469,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.001376597210764885},{"word":"k","start":868.355,"end":868.755,"confidence":0.6870117,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.02277872897684574},{"word":"i","start":868.755,"end":868.915,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04494514316320419},{"word":"am","start":868.915,"end":869.075,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.040388159453868866},{"word":"putting","start":869.075,"end":869.315,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.0361914299428463},{"word":"a","start":869.315,"end":869.395,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03669930621981621},{"word":"bit","start":869.395,"end":869.555,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0454060472548008},{"word":"of","start":869.555,"end":869.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04169381409883499},{"word":"a","start":869.795,"end":869.875,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04560738056898117},{"word":"flag","start":869.875,"end":870.195,"confidence":1.0,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":-0.027844218537211415},{"word":"on","start":870.195,"end":870.355,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04000427573919296},{"word":"that","start":870.355,"end":870.675,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013709403574466704},{"word":"australian","start":870.675,"end":871.155,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.023165807127952576},{"word":"shares","start":871.155,"end":871.555,"confidence":0.9951172,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.042754922062158585},{"word":"option","start":871.555,"end":871.875,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.00682879239320755},{"word":"that","start":871.875,"end":872.035,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009849503636360168},{"word":"you","start":872.035,"end":872.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005137290805578232},{"word":"have","start":872.115,"end":872.615,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005361560732126236},{"word":"because","start":872.835,"end":873.335,"confidence":0.6772461,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05265428125858307},{"word":"if","start":873.635,"end":873.795,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06196916848421097},{"word":"you","start":873.795,"end":873.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0560891218483448},{"word":"look","start":873.955,"end":874.115,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.07160934060811996},{"word":"at","start":874.115,"end":874.275,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08842337131500244},{"word":"a","start":874.275,"end":874.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07609345018863678},{"word":"few","start":874.355,"end":874.515,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.08999954164028168},{"word":"other","start":874.515,"end":874.755,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.10250194370746613},{"word":"australian","start":874.755,"end":875.235,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.0567743293941021},{"word":"shares","start":875.235,"end":875.555,"confidence":0.9970703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.07230990380048752},{"word":"options","start":875.555,"end":876.055,"confidence":0.9980469,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":-0.057366691529750824},{"word":"they","start":876.355,"end":876.675,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10548706352710724},{"word":"haven't","start":876.675,"end":877.075,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.08608849346637726},{"word":"dropped","start":877.075,"end":877.395,"confidence":1.0,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.15901491045951843},{"word":"as","start":877.395,"end":877.555,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.12775585055351257},{"word":"much","start":877.555,"end":877.795,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.12418156862258913},{"word":"as","start":877.795,"end":877.955,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13528835773468018},{"word":"that","start":877.955,"end":878.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06470149755477905},{"word":"one","start":878.115,"end":878.355,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.093230739235878},{"word":"has","start":878.355,"end":878.595,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.054951488971710205},{"word":"in","start":878.595,"end":878.755,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05891834944486618},{"word":"the","start":878.755,"end":878.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03000722825527191},{"word":"recent","start":878.835,"end":879.235,"confidence":1.0,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":-0.051789917051792145},{"word":"market","start":879.235,"end":879.735,"confidence":0.9707031,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.0344822034239769},{"word":"so","start":879.955,"end":880.435,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01423562318086624},{"word":"it's","start":880.435,"end":880.935,"confidence":0.89778644,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.04536488279700279},{"word":"yes","start":882.62,"end":883.12,"confidence":0.9628906,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.0325828492641449},{"word":"that","start":883.25995,"end":883.5,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.030451331287622452},{"word":"been","start":883.5,"end":883.74,"confidence":0.30517578,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0028086528182029724},{"word":"a","start":883.74,"end":883.81995,"confidence":0.87060547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02656545676290989},{"word":"long","start":883.81995,"end":884.13995,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.048078734427690506},{"word":"fund","start":884.13995,"end":884.63995,"confidence":0.8137207,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.03542774170637131},{"word":"it's","start":884.69995,"end":885.1,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08367842435836792},{"word":"dropping","start":885.1,"end":885.42,"confidence":1.0,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.06701547652482986},{"word":"a","start":885.42,"end":885.57996,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1305246204137802},{"word":"little","start":885.57996,"end":885.74,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1655343770980835},{"word":"bit","start":885.74,"end":885.89996,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.20011675357818604},{"word":"quicker","start":885.89996,"end":886.22,"confidence":1.0,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":-0.15141277015209198},{"word":"than","start":886.22,"end":886.45996,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.19922178983688352},{"word":"the","start":886.45996,"end":886.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14704373478889465},{"word":"other","start":886.54,"end":886.86,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.1384778469800949},{"word":"options","start":886.86,"end":887.18,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.13292443752288818},{"word":"in","start":887.18,"end":887.33997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08022880554199219},{"word":"the","start":887.33997,"end":887.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06775274872779846},{"word":"same","start":887.5,"end":887.74,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.07317447662353516},{"word":"space","start":887.74,"end":888.24,"confidence":0.93652344,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":-0.09041911363601685},{"word":"and","start":888.54,"end":888.69995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06296540796756744},{"word":"if","start":888.69995,"end":888.94,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07831870019435883},{"word":"that","start":888.94,"end":889.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.055819056928157806},{"word":"doesn't","start":889.18,"end":889.57996,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.12634867429733276},{"word":"bounce","start":889.57996,"end":889.89996,"confidence":1.0,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":-0.09071636199951172},{"word":"back","start":889.89996,"end":890.13995,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1304841786623001},{"word":"in","start":890.13995,"end":890.3,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14640556275844574},{"word":"the","start":890.3,"end":890.45996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1269214153289795},{"word":"next","start":890.45996,"end":890.95996,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.18277621269226071},{"word":"three","start":891.1,"end":891.5,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.08611837029457092},{"word":"to","start":891.5,"end":891.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14338527619838717},{"word":"six","start":891.74,"end":892.13995,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.0826927050948143},{"word":"months","start":892.13995,"end":892.62,"confidence":0.9995117,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.08346797525882721},{"word":"i","start":892.62,"end":892.77997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.098173126578331},{"word":"would","start":892.77997,"end":893.01996,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.09049636870622636},{"word":"probably","start":893.01996,"end":893.42,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.12164342403411864},{"word":"look","start":893.42,"end":893.57996,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.1108568012714386},{"word":"at","start":893.57996,"end":893.74,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12884648144245148},{"word":"replacing","start":893.74,"end":894.24,"confidence":1.0,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.10437873750925064},{"word":"that","start":894.38,"end":894.54,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03929103910923004},{"word":"one","start":894.54,"end":894.77997,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05854908376932144},{"word":"in","start":894.77997,"end":894.94,"confidence":0.9707031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07301795482635498},{"word":"particular","start":894.94,"end":895.44,"confidence":0.9638672,"punctuated_word":"particular,","sentiment":"neutral","sentiment_score":-0.06436024606227875},{"word":"but","start":895.725,"end":895.88495,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02410870790481567},{"word":"the","start":895.88495,"end":896.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0060364603996276855},{"word":"rest","start":896.125,"end":896.165,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.02550753951072693},{"word":"of","start":896.165,"end":896.20496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0092485249042511},{"word":"them","start":896.20496,"end":896.605,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.01826414465904236},{"word":"are","start":896.605,"end":896.685,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3131987154483795},{"word":"all","start":896.685,"end":896.845,"confidence":0.9863281,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34250909090042114},{"word":"looking","start":896.845,"end":897.165,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.28053227066993713},{"word":"pretty","start":897.165,"end":897.40497,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.35179072618484497},{"word":"good","start":897.40497,"end":897.90497,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23753485083580017},{"word":"k","start":899.485,"end":899.985,"confidence":0.8930664,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":-0.03292354568839073},{"word":"there's","start":900.925,"end":901.245,"confidence":0.91967773,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1379212588071823},{"word":"a","start":901.245,"end":901.32495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13424929976463318},{"word":"couple","start":901.32495,"end":901.64496,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.19378060102462769},{"word":"there","start":901.64496,"end":901.805,"confidence":0.97802734,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.12285523116588593},{"word":"that","start":901.805,"end":901.88495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1333128809928894},{"word":"had","start":901.88495,"end":902.125,"confidence":0.7536621,"punctuated_word":"had,","sentiment":"neutral","sentiment_score":-0.1555062234401703},{"word":"like","start":902.125,"end":902.285,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16955211758613586},{"word":"a","start":902.285,"end":902.365,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14222213625907898},{"word":"slight","start":902.365,"end":902.685,"confidence":1.0,"punctuated_word":"slight","sentiment":"neutral","sentiment_score":-0.16102942824363708},{"word":"negative","start":902.685,"end":903.165,"confidence":0.9790039,"punctuated_word":"negative.","sentiment":"neutral","sentiment_score":-0.08130227029323578},{"word":"i","start":903.165,"end":903.245,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004210054874420166},{"word":"know","start":903.245,"end":903.40497,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.045564815402030945},{"word":"there","start":903.40497,"end":903.64496,"confidence":0.92822266,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06932529807090759},{"word":"was","start":903.64496,"end":903.805,"confidence":0.8691406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12988051772117615},{"word":"cybersecurity","start":903.805,"end":904.305,"confidence":0.8457031,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.09450463950634004},{"word":"that","start":904.44495,"end":904.605,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15466952323913574},{"word":"went","start":904.605,"end":904.845,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.15136319398880005},{"word":"down","start":904.845,"end":905.08496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.18095341324806213},{"word":"a","start":905.08496,"end":905.165,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16624288260936737},{"word":"little","start":905.165,"end":905.40497,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13814298808574677},{"word":"bit","start":905.40497,"end":905.805,"confidence":0.7648926,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.15842026472091675},{"word":"but","start":905.805,"end":906.20496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0625918060541153},{"word":"generally","start":906.20496,"end":906.70496,"confidence":0.8173828,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.05203937739133835},{"word":"speaking","start":906.76495,"end":907.26495,"confidence":0.92993164,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.01417631283402443},{"word":"with","start":907.64496,"end":908.1,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05449660122394562},{"word":"the","start":908.18,"end":908.33997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07122325897216797},{"word":"way","start":908.33997,"end":908.5,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.09011796116828918},{"word":"the","start":908.5,"end":908.57996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11723917722702026},{"word":"world's","start":908.57996,"end":908.89996,"confidence":0.97143555,"punctuated_word":"world's","sentiment":"neutral","sentiment_score":0.09301771968603134},{"word":"going","start":908.89996,"end":909.13995,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1818336546421051},{"word":"with","start":909.13995,"end":909.38,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13099512457847595},{"word":"ai","start":909.38,"end":909.69995,"confidence":0.99902344,"punctuated_word":"AI,","sentiment":"neutral","sentiment_score":0.09003272652626038},{"word":"you'd","start":909.69995,"end":909.86,"confidence":0.9436035,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.1351990103721619},{"word":"probably","start":909.86,"end":910.18,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11252084374427795},{"word":"expect","start":910.18,"end":910.5,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.14891484379768372},{"word":"that","start":910.5,"end":910.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1393183469772339},{"word":"one","start":910.66,"end":910.81995,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1008358746767044},{"word":"to","start":910.81995,"end":910.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0657358318567276},{"word":"have","start":910.98,"end":911.13995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13775333762168884},{"word":"a","start":911.13995,"end":911.22,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20444753766059875},{"word":"bit","start":911.22,"end":911.38,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18057115375995636},{"word":"of","start":911.38,"end":911.45996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1675812155008316},{"word":"a","start":911.45996,"end":911.54,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1927721202373505},{"word":"gain","start":911.54,"end":911.77997,"confidence":0.96533203,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.23230215907096863},{"word":"next","start":911.77997,"end":912.1,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11041884124279022},{"word":"year","start":912.1,"end":912.57996,"confidence":0.7705078,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.133473739027977},{"word":"so","start":912.57996,"end":912.81995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013684391975402832},{"word":"we","start":912.81995,"end":912.98,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02374608069658279},{"word":"call","start":912.98,"end":913.22,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.030674107372760773},{"word":"that","start":913.22,"end":913.45996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06459852308034897},{"word":"kind","start":913.45996,"end":913.69995,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.006386697292327881},{"word":"of","start":913.69995,"end":914.01996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003223247826099396},{"word":"cyclical","start":914.01996,"end":914.51996,"confidence":0.91097003,"punctuated_word":"cyclical.","sentiment":"neutral","sentiment_score":0.0181979201734066},{"word":"depends","start":914.89996,"end":915.38,"confidence":0.9416504,"punctuated_word":"Depends","sentiment":"neutral","sentiment_score":0.01452214177697897},{"word":"on","start":915.38,"end":915.54,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.017938513308763504},{"word":"what's","start":915.54,"end":915.77997,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.036132894456386566},{"word":"going","start":915.77997,"end":916.01996,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03301902860403061},{"word":"on","start":916.01996,"end":916.51996,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03172203525900841},{"word":"in","start":917.22,"end":917.38,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0309663824737072},{"word":"the","start":917.38,"end":917.45996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.021647900342941284},{"word":"world","start":917.45996,"end":917.86,"confidence":1.0,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.02970871329307556},{"word":"economy","start":917.86,"end":918.25995,"confidence":0.99902344,"punctuated_word":"economy","sentiment":"neutral","sentiment_score":0.006979882717132568},{"word":"a","start":918.25995,"end":918.33997,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027846666052937508},{"word":"little","start":918.33997,"end":918.57996,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04345553368330002},{"word":"bit","start":918.57996,"end":918.74,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06062719970941544},{"word":"more","start":918.74,"end":919.22,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.039350979030132294},{"word":"than","start":919.22,"end":919.45996,"confidence":0.9892578,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.050065118819475174},{"word":"just","start":919.45996,"end":919.77997,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0119240190833807},{"word":"following","start":919.77997,"end":920.18,"confidence":0.9980469,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.008108114823698997},{"word":"your","start":920.18,"end":920.33997,"confidence":0.5439453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04721258208155632},{"word":"country","start":920.33997,"end":920.74,"confidence":1.0,"punctuated_word":"country","sentiment":"neutral","sentiment_score":-0.07515951991081238},{"word":"up","start":920.74,"end":920.89996,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.045333728194236755},{"word":"and","start":920.89996,"end":920.98,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.054163336753845215},{"word":"down","start":920.98,"end":921.48,"confidence":0.99902344,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.04924079775810242},{"word":"yes","start":931.175,"end":931.495,"confidence":0.9797363,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.059151552617549896},{"word":"correct","start":931.495,"end":931.995,"confidence":0.9995117,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.06107380241155624},{"word":"so","start":932.055,"end":932.295,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004817303270101547},{"word":"yeah","start":934.0,"end":934.24005,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03225500136613846},{"word":"so","start":934.24005,"end":934.74005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02058732509613037},{"word":"in","start":934.80005,"end":935.12006,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02816016972064972},{"word":"the","start":935.12006,"end":935.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0347292497754097},{"word":"the","start":935.44,"end":935.52,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03471865877509117},{"word":"middle","start":935.52,"end":935.84,"confidence":0.99609375,"punctuated_word":"middle,","sentiment":"neutral","sentiment_score":0.03959674388170242},{"word":"there's","start":935.84,"end":936.0,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.026339370757341385},{"word":"a","start":936.0,"end":936.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029812660068273544},{"word":"few","start":936.08,"end":936.24005,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.023094527423381805},{"word":"different","start":936.24005,"end":936.64,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.010506898164749146},{"word":"columns","start":936.64,"end":937.12006,"confidence":0.99365234,"punctuated_word":"columns.","sentiment":"neutral","sentiment_score":0.01801375113427639},{"word":"you've","start":937.12006,"end":937.36005,"confidence":1.0,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.029628358781337735},{"word":"got","start":937.36005,"end":937.68005,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.029990626499056816},{"word":"essentially","start":937.68005,"end":938.16003,"confidence":0.875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.03518097847700119},{"word":"buys","start":938.16003,"end":938.4,"confidence":0.7626953,"punctuated_word":"buys","sentiment":"neutral","sentiment_score":0.0260615311563015},{"word":"and","start":938.4,"end":938.64,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017561793327331543},{"word":"sells","start":938.64,"end":938.96,"confidence":0.9682617,"punctuated_word":"sells,","sentiment":"neutral","sentiment_score":0.03444158658385277},{"word":"which","start":938.96,"end":939.12006,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.04009668901562691},{"word":"is","start":939.12006,"end":939.28,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024126220494508743},{"word":"just","start":939.28,"end":939.78,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03170233592391014},{"word":"contributions","start":939.84,"end":940.34,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.040428295731544495},{"word":"going","start":940.56,"end":940.80005,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.036925721913576126},{"word":"in","start":940.80005,"end":941.2,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04323240742087364},{"word":"and","start":941.2,"end":941.60004,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014597676694393158},{"word":"funds","start":941.60004,"end":942.0,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.027170639485120773},{"word":"being","start":942.0,"end":942.24005,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.023096919059753414},{"word":"sold","start":942.24005,"end":942.56,"confidence":1.0,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.023398995399475098},{"word":"down","start":942.56,"end":942.80005,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03199302405118942},{"word":"to","start":942.80005,"end":942.96,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006527330726385117},{"word":"pay","start":942.96,"end":943.12006,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.021197635680437088},{"word":"for","start":943.12006,"end":943.28,"confidence":0.9848633,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.026594609022140503},{"word":"like","start":943.28,"end":943.60004,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01681060716509819},{"word":"fees","start":943.60004,"end":943.84,"confidence":0.9970703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.04780266433954239},{"word":"and","start":943.84,"end":944.08,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.003775790333747864},{"word":"premiums","start":944.08,"end":944.56,"confidence":1.0,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.025601962581276897},{"word":"and","start":944.56,"end":944.80005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0013190880417823792},{"word":"taxes","start":944.80005,"end":945.30005,"confidence":0.94750977,"punctuated_word":"taxes.","sentiment":"neutral","sentiment_score":0.017499398440122604},{"word":"but","start":945.68005,"end":946.0,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.028670670464634895},{"word":"the","start":946.0,"end":946.16003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022859834134578705},{"word":"two","start":946.16003,"end":946.48004,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.041300684213638306},{"word":"next","start":946.48004,"end":946.80005,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02344467304646969},{"word":"to","start":946.80005,"end":946.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0270279198884964},{"word":"it","start":946.88,"end":947.265,"confidence":0.9975586,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02771109528839588},{"word":"growth","start":947.585,"end":947.745,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04963185638189316},{"word":"and","start":947.745,"end":948.145,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.033374324440956116},{"word":"income","start":948.145,"end":948.625,"confidence":0.99194336,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.041185326874256134},{"word":"that's","start":948.625,"end":948.865,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02673221193253994},{"word":"your","start":948.865,"end":949.10504,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011825725436210632},{"word":"capital","start":949.10504,"end":949.585,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.006611250340938568},{"word":"growth","start":949.585,"end":949.985,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.034772131592035294},{"word":"versus","start":949.985,"end":950.385,"confidence":0.9741211,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.019334152340888977},{"word":"your","start":950.385,"end":950.625,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03154204040765762},{"word":"dividends","start":950.625,"end":951.125,"confidence":0.9851074,"punctuated_word":"dividends.","sentiment":"neutral","sentiment_score":-0.017649680376052856},{"word":"so","start":953.265,"end":953.425,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04544150084257126},{"word":"they","start":953.425,"end":953.66504,"confidence":0.99316406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04081643000245094},{"word":"kind","start":953.66504,"end":953.825,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05936127528548241},{"word":"of","start":953.825,"end":953.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.061971746385097504},{"word":"combine","start":953.985,"end":954.465,"confidence":0.9667969,"punctuated_word":"combine","sentiment":"neutral","sentiment_score":0.07183940708637238},{"word":"the","start":954.465,"end":954.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08231865614652634},{"word":"two","start":954.625,"end":954.945,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11174669861793518},{"word":"and","start":954.945,"end":955.10504,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06534494459629059},{"word":"go","start":955.10504,"end":955.265,"confidence":0.96435547,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.101332925260067},{"word":"okay","start":955.265,"end":955.505,"confidence":0.7937012,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08598003536462784},{"word":"total","start":955.505,"end":955.905,"confidence":1.0,"punctuated_word":"Total","sentiment":"neutral","sentiment_score":0.05934332683682442},{"word":"earnings","start":955.905,"end":956.305,"confidence":0.99902344,"punctuated_word":"earnings","sentiment":"neutral","sentiment_score":0.09839904308319092},{"word":"for","start":956.305,"end":956.385,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06509380787611008},{"word":"that","start":956.385,"end":956.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06731867045164108},{"word":"investment","start":956.625,"end":957.125,"confidence":0.86279297,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.03288692981004715},{"word":"yes","start":965.12006,"end":965.36005,"confidence":0.99560547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07688149064779282},{"word":"so","start":965.36005,"end":965.52,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06160802394151688},{"word":"the","start":965.52,"end":965.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06316167861223221},{"word":"value","start":965.76,"end":966.08,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.07272784411907196},{"word":"of","start":966.08,"end":966.24005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08472073078155518},{"word":"the","start":966.24005,"end":966.48004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07567577064037323},{"word":"underlying","start":966.48004,"end":966.98004,"confidence":1.0,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.07932621985673904},{"word":"shares","start":967.2,"end":967.60004,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.04731227084994316},{"word":"or","start":967.60004,"end":967.76,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07533867657184601},{"word":"assets","start":967.76,"end":968.26,"confidence":0.9812012,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.08303225040435791},{"word":"it's","start":968.64,"end":969.04004,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09297725558280943},{"word":"the","start":969.04004,"end":969.36005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11677802354097366},{"word":"the","start":969.36005,"end":969.44,"confidence":0.8125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10799212008714676},{"word":"capital","start":969.44,"end":969.76,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.055798739194869995},{"word":"value","start":969.76,"end":970.08,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.07047511637210846},{"word":"of","start":970.08,"end":970.24005,"confidence":0.92822266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0989597514271736},{"word":"them","start":970.24005,"end":970.48004,"confidence":0.9914551,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.06833553314208984},{"word":"so","start":970.48004,"end":970.64,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08668051660060883},{"word":"if","start":970.64,"end":970.80005,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08500456064939499},{"word":"you","start":970.80005,"end":970.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09144004434347151},{"word":"bought","start":970.96,"end":971.2,"confidence":0.99902344,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.06333655118942261},{"word":"microsoft","start":971.2,"end":971.7,"confidence":1.0,"punctuated_word":"Microsoft","sentiment":"neutral","sentiment_score":0.07780590653419495},{"word":"and","start":971.76,"end":971.92004,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.047898855060338974},{"word":"it","start":971.92004,"end":972.08,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07801324874162674},{"word":"went","start":972.08,"end":972.32,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.07680100202560425},{"word":"up","start":972.32,"end":972.48004,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0908026397228241},{"word":"in","start":972.48004,"end":972.72003,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04896390810608864},{"word":"value","start":972.72003,"end":973.22003,"confidence":0.9941406,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.07758395373821259},{"word":"that","start":973.685,"end":973.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11415734142065048},{"word":"would","start":973.845,"end":974.08496,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10959756374359132},{"word":"be","start":974.08496,"end":974.32495,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12785276770591736},{"word":"plugged","start":974.32495,"end":974.64496,"confidence":1.0,"punctuated_word":"plugged","sentiment":"neutral","sentiment_score":0.11295317858457564},{"word":"in","start":974.64496,"end":974.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08257664740085602},{"word":"there","start":974.805,"end":975.045,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08829409629106522},{"word":"as","start":975.045,"end":975.20496,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0966932773590088},{"word":"the","start":975.20496,"end":975.365,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08721470832824707},{"word":"dollar","start":975.365,"end":975.685,"confidence":1.0,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.05870206654071808},{"word":"figure","start":975.685,"end":976.08496,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.08625191450119019},{"word":"and","start":976.08496,"end":976.40497,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05764429643750191},{"word":"the","start":976.40497,"end":976.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05976149067282677},{"word":"percentage","start":976.565,"end":977.065,"confidence":0.92993164,"punctuated_word":"percentage.","sentiment":"neutral","sentiment_score":0.06597134470939636},{"word":"and","start":977.365,"end":977.52496,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06280846148729324},{"word":"then","start":977.52496,"end":977.685,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05746836960315704},{"word":"if","start":977.685,"end":977.845,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06137126684188843},{"word":"it","start":977.845,"end":978.005,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.061081938445568085},{"word":"paid","start":978.005,"end":978.245,"confidence":0.97265625,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07153327763080597},{"word":"a","start":978.245,"end":978.32495,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049374595284461975},{"word":"dividend","start":978.32495,"end":978.725,"confidence":0.99365234,"punctuated_word":"dividend,","sentiment":"neutral","sentiment_score":0.03525921702384949},{"word":"that","start":978.725,"end":978.96497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08376112580299377},{"word":"would","start":978.96497,"end":979.125,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.060171328485012054},{"word":"be","start":979.125,"end":979.365,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05476387217640877},{"word":"split","start":979.365,"end":979.685,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.0555969662964344},{"word":"separately","start":979.685,"end":980.185,"confidence":1.0,"punctuated_word":"separately","sentiment":"neutral","sentiment_score":0.03786773979663849},{"word":"and","start":980.40497,"end":980.64496,"confidence":0.95166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.048411302268505096},{"word":"then","start":980.64496,"end":980.885,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07973279058933258},{"word":"merged","start":980.885,"end":981.125,"confidence":0.95703125,"punctuated_word":"merged","sentiment":"neutral","sentiment_score":0.08344155550003052},{"word":"together","start":981.125,"end":981.52496,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.0962035208940506},{"word":"at","start":981.52496,"end":981.605,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.055862873792648315},{"word":"the","start":981.605,"end":981.76495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09431321918964386},{"word":"end","start":981.76495,"end":981.925,"confidence":0.9921875,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.11880972981452942},{"word":"for","start":981.925,"end":982.08496,"confidence":0.71484375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08625801652669907},{"word":"the","start":982.08496,"end":982.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09244859218597412},{"word":"total","start":982.245,"end":982.64496,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.07927655428647995},{"word":"return","start":982.64496,"end":983.14496,"confidence":0.9995117,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.12740091979503632},{"word":"cool","start":985.605,"end":986.005,"confidence":0.8515625,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.405583530664444},{"word":"and","start":986.005,"end":986.245,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34889212250709534},{"word":"you","start":986.245,"end":986.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33817440271377563},{"word":"should","start":986.485,"end":986.64496,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.43764591217041016},{"word":"see","start":986.64496,"end":986.885,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.36451807618141174},{"word":"something","start":986.885,"end":987.20496,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2998519539833069},{"word":"pretty","start":987.20496,"end":987.52496,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3010212481021881},{"word":"similar","start":987.52496,"end":988.02496,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.2640015780925751},{"word":"on","start":988.61,"end":988.76996,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3061680495738983},{"word":"your","start":988.76996,"end":989.00995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31975895166397095},{"word":"commsec","start":989.00995,"end":989.49,"confidence":0.7770996,"punctuated_word":"CommSec","sentiment":"neutral","sentiment_score":0.2679193615913391},{"word":"account","start":989.49,"end":989.81,"confidence":0.9995117,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.2605751156806946},{"word":"i","start":989.81,"end":989.97,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21704965829849243},{"word":"know","start":989.97,"end":990.13,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2040272057056427},{"word":"the","start":990.13,"end":990.29,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2143631875514984},{"word":"reporting's","start":990.29,"end":990.79,"confidence":0.9296875,"punctuated_word":"reporting's","sentiment":"neutral","sentiment_score":0.19930428266525269},{"word":"not","start":991.32996,"end":991.64996,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.18074339628219604},{"word":"exactly","start":991.64996,"end":992.13,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.16470187902450562},{"word":"the","start":992.13,"end":992.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17972570657730105},{"word":"same","start":992.29,"end":992.76996,"confidence":0.99560547,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.20635361969470975},{"word":"but","start":992.76996,"end":993.00995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.209411159157753},{"word":"they","start":993.00995,"end":993.17,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.31989723443984985},{"word":"should","start":993.17,"end":993.32996,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4420062601566314},{"word":"be","start":993.32996,"end":993.49,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3805728256702423},{"word":"able","start":993.49,"end":993.56995,"confidence":0.99902344,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3622406721115112},{"word":"to","start":993.56995,"end":993.64996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34338244795799255},{"word":"show","start":993.64996,"end":993.81,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.2914665639400482},{"word":"you","start":993.81,"end":994.05,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33380603790283203},{"word":"the","start":994.05,"end":994.20996,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3329356908798218},{"word":"dividends","start":994.20996,"end":994.61,"confidence":0.99902344,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.2895594835281372},{"word":"that","start":994.61,"end":994.76996,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33842018246650696},{"word":"are","start":994.76996,"end":994.93,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3254874050617218},{"word":"coming","start":994.93,"end":995.17,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.32384490966796875},{"word":"out","start":995.17,"end":995.32996,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.34028008580207825},{"word":"from","start":995.32996,"end":995.57,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.28894078731536865},{"word":"those","start":995.57,"end":996.05,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.28178051114082336},{"word":"etfs","start":996.05,"end":996.44995,"confidence":0.9970703,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.23166543245315552},{"word":"that","start":996.44995,"end":996.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3076760768890381},{"word":"you've","start":996.61,"end":996.93,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.26707369089126587},{"word":"got","start":996.93,"end":997.32996,"confidence":0.9667969,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.2588152587413788},{"word":"whether","start":997.32996,"end":997.64996,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.2599441707134247},{"word":"you've","start":997.64996,"end":997.81,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.17404846847057345},{"word":"got","start":997.81,"end":997.97,"confidence":0.89331055,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.1241532564163208},{"word":"like","start":997.97,"end":998.13,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1832208037376404},{"word":"a","start":998.13,"end":998.29,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2603696584701538},{"word":"reinvestment","start":998.29,"end":998.79,"confidence":0.9995117,"punctuated_word":"reinvestment","sentiment":"neutral","sentiment_score":0.22955480217933655},{"word":"plan","start":999.08997,"end":999.58997,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2113242894411087},{"word":"and","start":1000.69,"end":1000.94,"confidence":0.5800781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25695183873176575},{"word":"the","start":1000.94,"end":1001.415,"confidence":0.7734375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25610312819480896},{"word":"the","start":1001.815,"end":1001.89496,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2498392015695572},{"word":"fluctuating","start":1001.89496,"end":1002.39496,"confidence":1.0,"punctuated_word":"fluctuating","sentiment":"neutral","sentiment_score":0.25151515007019043},{"word":"unit","start":1002.535,"end":1002.855,"confidence":1.0,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":0.17341187596321106},{"word":"values","start":1002.855,"end":1003.33496,"confidence":1.0,"punctuated_word":"values","sentiment":"neutral","sentiment_score":0.1998833864927292},{"word":"as","start":1003.33496,"end":1003.57495,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24306097626686096},{"word":"well","start":1003.57495,"end":1004.07495,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20205967128276825},{"word":"k","start":1005.735,"end":1006.235,"confidence":0.81347656,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.06656567007303238},{"word":"so","start":1006.45496,"end":1006.77496,"confidence":0.94262695,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08805496245622635},{"word":"again","start":1006.77496,"end":1007.27496,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.0821186900138855},{"word":"i'm","start":1007.415,"end":1007.57495,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08537095785140991},{"word":"gonna","start":1007.57495,"end":1007.89496,"confidence":0.9589844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12646648287773132},{"word":"keep","start":1007.89496,"end":1008.13495,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10515645146369934},{"word":"an","start":1008.13495,"end":1008.21497,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1097164824604988},{"word":"eye","start":1008.21497,"end":1008.45496,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.08487901091575623},{"word":"on","start":1008.45496,"end":1008.695,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08944925665855408},{"word":"that","start":1008.695,"end":1008.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09103360772132874},{"word":"one","start":1008.855,"end":1009.095,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07180358469486237},{"word":"at","start":1009.095,"end":1009.175,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11527368426322936},{"word":"the","start":1009.175,"end":1009.33496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10278906673192978},{"word":"moment","start":1009.33496,"end":1009.83496,"confidence":0.8400879,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.11087511479854584},{"word":"and","start":1009.975,"end":1010.21497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07609114050865173},{"word":"there's","start":1010.21497,"end":1010.45496,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0781424269080162},{"word":"a","start":1010.45496,"end":1010.535,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05843859910964966},{"word":"few","start":1010.535,"end":1011.01495,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.068182572722435},{"word":"that","start":1011.01495,"end":1011.175,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06762352585792542},{"word":"i'm","start":1011.175,"end":1011.415,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05755297467112541},{"word":"kind","start":1011.415,"end":1011.57495,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.052298352122306824},{"word":"of","start":1011.57495,"end":1012.07495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06265483051538467},{"word":"researching","start":1012.13495,"end":1012.63495,"confidence":1.0,"punctuated_word":"researching","sentiment":"neutral","sentiment_score":0.03280416131019592},{"word":"in","start":1012.695,"end":1012.855,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026570096611976624},{"word":"the","start":1012.855,"end":1013.01495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06572502106428146},{"word":"background","start":1013.01495,"end":1013.415,"confidence":1.0,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.08140283823013306},{"word":"to","start":1013.415,"end":1013.57495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018910415470600128},{"word":"see","start":1013.57495,"end":1013.735,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02255593240261078},{"word":"if","start":1013.735,"end":1013.815,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.008153058588504791},{"word":"we","start":1013.815,"end":1013.975,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.007535420358181},{"word":"need","start":1013.975,"end":1014.13495,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.01293974369764328},{"word":"to","start":1014.13495,"end":1014.21497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02622644603252411},{"word":"do","start":1014.21497,"end":1014.375,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07756833732128143},{"word":"a","start":1014.375,"end":1014.45496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02921781688928604},{"word":"bit","start":1014.45496,"end":1014.615,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04395802319049835},{"word":"of","start":1014.615,"end":1014.77496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01249675452709198},{"word":"a","start":1014.77496,"end":1014.855,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006532151252031326},{"word":"switch","start":1014.855,"end":1015.355,"confidence":0.99853516,"punctuated_word":"switch.","sentiment":"neutral","sentiment_score":0.018430102616548535},{"word":"all","start":1015.735,"end":1015.89496,"confidence":0.99902344,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.07474134117364883},{"word":"in","start":1015.89496,"end":1016.13495,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07448849827051163},{"word":"all","start":1016.13495,"end":1016.375,"confidence":0.9135742,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.10456687211990356},{"word":"though","start":1016.375,"end":1016.875,"confidence":0.9980469,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.14786964654922485},{"word":"i","start":1017.20996,"end":1017.37,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23941248655319217},{"word":"kind","start":1017.37,"end":1017.61,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2986809015274048},{"word":"of","start":1017.61,"end":1017.68994,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.404157817363739},{"word":"like","start":1017.68994,"end":1017.93,"confidence":0.9951172,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4236772358417511},{"word":"the","start":1017.93,"end":1018.08997,"confidence":0.95166016,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5959264636039734},{"word":"spread","start":1018.08997,"end":1018.32996,"confidence":0.99902344,"punctuated_word":"spread","sentiment":"positive","sentiment_score":0.47673916816711426},{"word":"that","start":1018.32996,"end":1018.49,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5207052826881409},{"word":"you've","start":1018.49,"end":1018.73,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4502699971199035},{"word":"got","start":1018.73,"end":1018.97,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5169641971588135},{"word":"in","start":1018.97,"end":1019.20996,"confidence":0.99121094,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43240272998809814},{"word":"your","start":1019.20996,"end":1019.52997,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4348609149456024},{"word":"super","start":1019.52997,"end":1019.76996,"confidence":0.84765625,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3707835078239441},{"word":"funds","start":1019.76996,"end":1020.08997,"confidence":0.9499512,"punctuated_word":"funds.","sentiment":"positive","sentiment_score":0.41330644488334656},{"word":"you've","start":1020.08997,"end":1020.41,"confidence":1.0,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.3827248811721802},{"word":"got","start":1020.41,"end":1020.73,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.35073426365852356},{"word":"property","start":1020.73,"end":1021.23,"confidence":0.81811523,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.31042808294296265},{"word":"gold","start":1021.44995,"end":1021.94995,"confidence":0.9812012,"punctuated_word":"gold,","sentiment":"positive","sentiment_score":0.35035619139671326},{"word":"aussie","start":1022.56995,"end":1022.88995,"confidence":0.95825195,"punctuated_word":"Aussie","sentiment":"positive","sentiment_score":0.3414399027824402},{"word":"shares","start":1022.88995,"end":1023.29,"confidence":0.84228516,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.25071612000465393},{"word":"international","start":1023.29,"end":1023.79,"confidence":0.9069824,"punctuated_word":"international.","sentiment":"neutral","sentiment_score":0.28497257828712463},{"word":"it's","start":1024.09,"end":1024.59,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2357121109962463},{"word":"i","start":1024.89,"end":1024.97,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16715869307518005},{"word":"guess","start":1024.97,"end":1025.21,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.1550125777721405},{"word":"the","start":1025.21,"end":1025.37,"confidence":0.6147461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20793497562408447},{"word":"buzzword","start":1025.37,"end":1025.77,"confidence":0.95996094,"punctuated_word":"buzzword","sentiment":"neutral","sentiment_score":0.17864929139614105},{"word":"is","start":1025.77,"end":1026.01,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2323669195175171},{"word":"diversification","start":1026.01,"end":1026.51,"confidence":0.9609375,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.18933230638504028},{"word":"but","start":1027.45,"end":1027.95,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15007111430168152},{"word":"there's","start":1028.01,"end":1028.4099,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.010192121379077436},{"word":"no","start":1028.4099,"end":1028.65,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07826144993305206},{"word":"areas","start":1028.65,"end":1028.97,"confidence":0.9980469,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":-0.1790882647037506},{"word":"there","start":1028.97,"end":1029.21,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.24571922421455383},{"word":"that","start":1029.21,"end":1029.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2425907999277115},{"word":"i","start":1029.37,"end":1029.45,"confidence":0.9892578,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3914799392223358},{"word":"think","start":1029.45,"end":1029.61,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.362248808145523},{"word":"that","start":1029.61,"end":1029.77,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.28482696413993835},{"word":"you're","start":1029.77,"end":1029.9299,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.24875448644161224},{"word":"lacking","start":1029.9299,"end":1030.4299,"confidence":0.9995117,"punctuated_word":"lacking.","sentiment":"neutral","sentiment_score":-0.10666163265705109},{"word":"k","start":1032.595,"end":1033.095,"confidence":0.8183594,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.054428648203611374},{"word":"just","start":1033.395,"end":1033.635,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0808415487408638},{"word":"quickly","start":1033.635,"end":1034.035,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.09031996130943298},{"word":"as","start":1034.035,"end":1034.1951,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1187182515859604},{"word":"well","start":1034.1951,"end":1034.6951,"confidence":0.8708496,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.11268243193626404},{"word":"i","start":1034.755,"end":1034.995,"confidence":0.54345703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10338306427001952},{"word":"wanted","start":1034.995,"end":1035.3151,"confidence":0.9970703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10943269729614258},{"word":"to","start":1035.3151,"end":1035.395,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12192868441343307},{"word":"ask","start":1035.395,"end":1035.635,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.13134492933750153},{"word":"you","start":1035.635,"end":1035.795,"confidence":0.97753906,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12243101745843887},{"word":"simone","start":1035.795,"end":1036.295,"confidence":0.7282715,"punctuated_word":"Simone,","sentiment":"neutral","sentiment_score":0.0924004763364792},{"word":"do","start":1036.435,"end":1036.595,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03661896288394928},{"word":"you","start":1036.595,"end":1036.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05887751281261444},{"word":"have","start":1036.675,"end":1036.835,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060403596609830856},{"word":"a","start":1036.835,"end":1036.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10072939097881316},{"word":"bit","start":1036.915,"end":1037.0751,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07990290224552155},{"word":"of","start":1037.0751,"end":1037.3151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06447029858827591},{"word":"a","start":1037.3151,"end":1037.555,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09519468247890472},{"word":"a","start":1037.555,"end":1037.635,"confidence":0.62060547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10466015338897704},{"word":"strong","start":1037.635,"end":1037.955,"confidence":1.0,"punctuated_word":"strong","sentiment":"neutral","sentiment_score":0.12251203507184982},{"word":"leaning","start":1037.955,"end":1038.355,"confidence":0.9472656,"punctuated_word":"leaning","sentiment":"neutral","sentiment_score":0.11423808336257936},{"word":"or","start":1038.355,"end":1038.515,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06904932111501694},{"word":"preference","start":1038.515,"end":1039.015,"confidence":0.99902344,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.1265302747488022},{"word":"between","start":1039.155,"end":1039.655,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0938813015818596},{"word":"having","start":1040.435,"end":1040.755,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.16122674942016602},{"word":"kind","start":1040.755,"end":1040.915,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.18299072980880737},{"word":"of","start":1040.915,"end":1041.0751,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19685140252113345},{"word":"the","start":1041.0751,"end":1041.235,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18357133865356445},{"word":"lowest","start":1041.235,"end":1041.715,"confidence":1.0,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":0.21001209318637848},{"word":"fee","start":1041.715,"end":1041.875,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1825085282325745},{"word":"investments","start":1041.875,"end":1042.375,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.10558447241783142},{"word":"versus","start":1042.995,"end":1043.3151,"confidence":0.9970703,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.07756143808364868},{"word":"the","start":1043.3151,"end":1043.475,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18295906484127045},{"word":"idea","start":1043.475,"end":1043.795,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.17861786484718323},{"word":"of","start":1043.795,"end":1043.955,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13172748684883118},{"word":"paying","start":1043.955,"end":1044.275,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.19725927710533145},{"word":"higher","start":1044.275,"end":1044.595,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1709415167570114},{"word":"fees","start":1044.595,"end":1044.915,"confidence":1.0,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.20241230726242063},{"word":"for","start":1044.915,"end":1045.0751,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.289009153842926},{"word":"a","start":1045.0751,"end":1045.155,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3527197241783142},{"word":"higher","start":1045.155,"end":1045.395,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.3085445165634155},{"word":"return","start":1045.395,"end":1045.875,"confidence":0.99560547,"punctuated_word":"return?","sentiment":"neutral","sentiment_score":0.26517248153686523},{"word":"do","start":1045.875,"end":1046.04,"confidence":0.9863281,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.007858984172344208},{"word":"you","start":1046.12,"end":1046.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012472376227378843},{"word":"have","start":1046.2,"end":1046.28,"confidence":0.9526367,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.011931441724300385},{"word":"like","start":1046.28,"end":1046.4401,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.012919124215841292},{"word":"a","start":1046.4401,"end":1046.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015011269599199297},{"word":"bit","start":1046.52,"end":1046.6001,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.004037752747535706},{"word":"of","start":1046.6001,"end":1046.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0019796863198280334},{"word":"a","start":1046.68,"end":1046.92,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024971410632133484},{"word":"gut","start":1046.92,"end":1047.16,"confidence":1.0,"punctuated_word":"gut","sentiment":"neutral","sentiment_score":0.017652347683906555},{"word":"feeling","start":1047.16,"end":1047.4,"confidence":0.99902344,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":0.020629078149795532},{"word":"between","start":1047.4,"end":1047.64,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.005428023636341095},{"word":"the","start":1047.64,"end":1047.8,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026055753231048584},{"word":"two","start":1047.8,"end":1048.3,"confidence":0.9980469,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":0.017714709043502808},{"word":"yeah","start":1069.015,"end":1069.3351,"confidence":0.87939453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3142547011375427},{"word":"absolutely","start":1069.3351,"end":1069.8351,"confidence":0.984375,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4343041777610779},{"word":"and","start":1069.895,"end":1070.2151,"confidence":0.9941406,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.37002846598625183},{"word":"we","start":1070.2151,"end":1070.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30405399203300476},{"word":"can","start":1070.375,"end":1070.535,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3914429545402527},{"word":"do","start":1070.535,"end":1070.775,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.41900792717933655},{"word":"we've","start":1070.935,"end":1071.255,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.40291064977645874},{"word":"pretty","start":1071.255,"end":1071.415,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4265969097614288},{"word":"much","start":1071.415,"end":1071.655,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.363555371761322},{"word":"got","start":1071.655,"end":1071.8151,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.39532721042633057},{"word":"a","start":1071.8151,"end":1071.895,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3541526198387146},{"word":"similar","start":1071.895,"end":1072.295,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.31695857644081116},{"word":"approach","start":1072.295,"end":1072.6151,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.3194083869457245},{"word":"with","start":1072.6151,"end":1072.8551,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4774908423423767},{"word":"the","start":1072.8551,"end":1073.015,"confidence":0.8984375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.437520295381546},{"word":"super","start":1073.015,"end":1073.515,"confidence":0.96899414,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.35565185546875},{"word":"all","start":1073.8,"end":1073.96,"confidence":1.0,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3493739664554596},{"word":"of","start":1073.96,"end":1074.12,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35935384035110474},{"word":"those","start":1074.12,"end":1074.52,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.332721084356308},{"word":"etfs","start":1074.52,"end":1074.92,"confidence":0.9970703,"punctuated_word":"ETFs","sentiment":"neutral","sentiment_score":0.2386166751384735},{"word":"that","start":1074.92,"end":1075.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3149457573890686},{"word":"you've","start":1075.16,"end":1075.3201,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.29155391454696655},{"word":"got","start":1075.3201,"end":1075.72,"confidence":0.9946289,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.3119329512119293},{"word":"i","start":1075.72,"end":1075.88,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3536323308944702},{"word":"would","start":1075.88,"end":1076.04,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.33237701654434204},{"word":"pretty","start":1076.04,"end":1076.28,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3277549147605896},{"word":"much","start":1076.28,"end":1076.4401,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.27417969703674316},{"word":"call","start":1076.4401,"end":1076.68,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.22640486061573029},{"word":"them","start":1076.68,"end":1076.84,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.23772796988487244},{"word":"passive","start":1076.84,"end":1077.24,"confidence":0.9980469,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.2503647208213806},{"word":"funds","start":1077.24,"end":1077.48,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.20575012266635895},{"word":"like","start":1077.48,"end":1077.72,"confidence":0.63964844,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.32789093255996704},{"word":"your","start":1077.72,"end":1077.88,"confidence":0.9038086,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34316760301589966},{"word":"vanguard","start":1077.88,"end":1078.38,"confidence":0.96313477,"punctuated_word":"Vanguard.","sentiment":"neutral","sentiment_score":0.24912798404693604},{"word":"the","start":1078.76,"end":1079.08,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.254403680562973},{"word":"managed","start":1079.08,"end":1079.48,"confidence":0.8881836,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.22468391060829165},{"word":"fund","start":1079.48,"end":1079.8,"confidence":0.99609375,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.24137361347675323},{"word":"at","start":1079.8,"end":1079.96,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3215748965740204},{"word":"the","start":1079.96,"end":1080.04,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2868212163448334},{"word":"top","start":1080.04,"end":1080.36,"confidence":1.0,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.3343273401260376},{"word":"is","start":1080.36,"end":1080.52,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3030804991722107},{"word":"the","start":1080.52,"end":1080.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3032640516757965},{"word":"one","start":1080.68,"end":1080.84,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2767478823661804},{"word":"that's","start":1080.84,"end":1081.16,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3586488664150238},{"word":"kind","start":1081.16,"end":1081.3201,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.33278995752334595},{"word":"of","start":1081.3201,"end":1081.56,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39154672622680664},{"word":"supposed","start":1081.56,"end":1081.96,"confidence":1.0,"punctuated_word":"supposed","sentiment":"positive","sentiment_score":0.3880143165588379},{"word":"to","start":1081.96,"end":1082.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4278494715690613},{"word":"be","start":1082.12,"end":1082.28,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.422063946723938},{"word":"outperforming","start":1082.28,"end":1082.78,"confidence":0.9863281,"punctuated_word":"outperforming","sentiment":"neutral","sentiment_score":0.32366442680358887},{"word":"based","start":1083.3201,"end":1083.56,"confidence":0.9902344,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.3791794776916504},{"word":"on","start":1083.56,"end":1083.72,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4413944482803345},{"word":"the","start":1083.72,"end":1083.8,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34299612045288086},{"word":"phase","start":1083.8,"end":1084.04,"confidence":0.82128906,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.25476503372192383},{"word":"that","start":1084.04,"end":1084.28,"confidence":0.7788086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22863361239433289},{"word":"it's","start":1084.28,"end":1084.4401,"confidence":0.9890137,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22627303004264832},{"word":"charging","start":1084.4401,"end":1084.9401,"confidence":0.9880371,"punctuated_word":"charging.","sentiment":"neutral","sentiment_score":0.20313255488872528},{"word":"so","start":1085.16,"end":1085.48,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20632219314575195},{"word":"that's","start":1085.48,"end":1085.72,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.25385546684265137},{"word":"one","start":1085.72,"end":1085.96,"confidence":0.9770508,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16091342270374298},{"word":"where","start":1085.96,"end":1086.2001,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1551201194524765},{"word":"i","start":1086.2001,"end":1086.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1558258831501007},{"word":"would","start":1086.28,"end":1086.52,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16594311594963074},{"word":"kind","start":1086.52,"end":1086.68,"confidence":0.99902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.145416259765625},{"word":"of","start":1086.68,"end":1086.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1380023956298828},{"word":"look","start":1086.84,"end":1087.08,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10896787792444228},{"word":"at","start":1087.08,"end":1087.58,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12950149178504944},{"word":"a","start":1087.9349,"end":1088.095,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1724509596824646},{"word":"bit","start":1088.095,"end":1088.135,"confidence":0.98291016,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15343531966209412},{"word":"of","start":1088.135,"end":1088.1749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1472090482711792},{"word":"an","start":1088.1749,"end":1088.575,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14001187682151794},{"word":"index","start":1088.575,"end":1088.8949,"confidence":0.99316406,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.09719765931367874},{"word":"fund","start":1088.8949,"end":1089.1349,"confidence":1.0,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.08443272858858109},{"word":"replacement","start":1089.1349,"end":1089.6349,"confidence":0.7298584,"punctuated_word":"replacement,","sentiment":"neutral","sentiment_score":0.15150974690914154},{"word":"pretty","start":1090.255,"end":1090.495,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.17714090645313263},{"word":"similar","start":1090.495,"end":1090.815,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.0753537118434906},{"word":"to","start":1090.815,"end":1090.975,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11412928998470306},{"word":"the","start":1090.975,"end":1091.0549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.134816974401474},{"word":"one","start":1091.0549,"end":1091.215,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10710028558969498},{"word":"that","start":1091.215,"end":1091.2949,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14889128506183624},{"word":"you","start":1091.2949,"end":1091.5349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12305793166160583},{"word":"would","start":1091.5349,"end":1091.695,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.12286871671676636},{"word":"already","start":1091.695,"end":1092.095,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.14139750599861145},{"word":"have","start":1092.095,"end":1092.255,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10053107887506484},{"word":"in","start":1092.255,"end":1092.4149,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11804606765508652},{"word":"your","start":1092.4149,"end":1092.575,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12866029143333435},{"word":"commsec","start":1092.575,"end":1093.075,"confidence":0.79207355,"punctuated_word":"CommSec,","sentiment":"neutral","sentiment_score":0.1201108917593956},{"word":"the","start":1093.2949,"end":1093.455,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13885897397994995},{"word":"a","start":1093.455,"end":1093.615,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13026568293571472},{"word":"200","start":1093.615,"end":1094.2749,"confidence":0.79052734,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.09479930996894836},{"word":"k","start":1096.8949,"end":1097.215,"confidence":0.7050781,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.0492338091135025},{"word":"now","start":1097.215,"end":1097.455,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.050297919660806656},{"word":"are","start":1097.455,"end":1097.615,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.044241175055503845},{"word":"you","start":1097.615,"end":1097.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06808315217494965},{"word":"okay","start":1097.695,"end":1097.9349,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.091127410531044},{"word":"for","start":1097.9349,"end":1098.095,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04634182155132294},{"word":"me","start":1098.095,"end":1098.255,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05410534888505936},{"word":"to","start":1098.255,"end":1098.335,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04730254411697388},{"word":"kind","start":1098.335,"end":1098.575,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04048185795545578},{"word":"of","start":1098.575,"end":1098.6549,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05799740552902222},{"word":"put","start":1098.6549,"end":1098.815,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0376763641834259},{"word":"a","start":1098.815,"end":1098.975,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06561371684074402},{"word":"bit","start":1098.975,"end":1099.0549,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.027595117688179016},{"word":"of","start":1099.0549,"end":1099.215,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02560536563396454},{"word":"a","start":1099.215,"end":1099.375,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028322309255599976},{"word":"flag","start":1099.375,"end":1099.615,"confidence":0.97998047,"punctuated_word":"flag","sentiment":"neutral","sentiment_score":0.030672267079353333},{"word":"on","start":1099.615,"end":1099.7749,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03296232968568802},{"word":"there","start":1099.7749,"end":1100.0149,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08140978217124939},{"word":"to","start":1100.0149,"end":1100.1749,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045790381729602814},{"word":"catch","start":1100.1749,"end":1100.335,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.07130682468414307},{"word":"up","start":1100.335,"end":1100.495,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.046593789011240005},{"word":"with","start":1100.495,"end":1100.6549,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07247450947761536},{"word":"you","start":1100.6549,"end":1100.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0931663066148758},{"word":"in","start":1100.815,"end":1101.0549,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09246722608804704},{"word":"a","start":1101.0549,"end":1101.1349,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08917932212352753},{"word":"few","start":1101.1349,"end":1101.2949,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05586257576942444},{"word":"months'","start":1101.2949,"end":1101.615,"confidence":0.85180664,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":0.06151480972766876},{"word":"time","start":1101.615,"end":1102.11,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.06323396414518356},{"word":"for","start":1102.11,"end":1102.27,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06639701128005981},{"word":"that","start":1102.27,"end":1102.4299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06106070801615715},{"word":"one","start":1102.4299,"end":1102.51,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04809645563364029},{"word":"in","start":1102.51,"end":1102.75,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04726071655750275},{"word":"particular","start":1102.75,"end":1103.25,"confidence":0.8618164,"punctuated_word":"particular,","sentiment":"neutral","sentiment_score":0.037294112145900726},{"word":"or","start":1103.3099,"end":1103.47,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02350860834121704},{"word":"would","start":1103.47,"end":1103.63,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.012293577194213867},{"word":"you","start":1103.63,"end":1103.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031430453062057495},{"word":"rather","start":1103.71,"end":1104.03,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":0.0022215843200683594},{"word":"i","start":1104.03,"end":1104.11,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04051972180604935},{"word":"just","start":1104.11,"end":1104.35,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.027035385370254517},{"word":"kind","start":1104.35,"end":1104.51,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.001651674509048462},{"word":"of","start":1104.51,"end":1104.67,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01733388751745224},{"word":"switch","start":1104.67,"end":1104.99,"confidence":0.9902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.01997341215610504},{"word":"that","start":1104.99,"end":1105.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04520886391401291},{"word":"app","start":1105.23,"end":1105.39,"confidence":0.7348633,"punctuated_word":"app","sentiment":"neutral","sentiment_score":0.016314812004566193},{"word":"now","start":1105.39,"end":1105.87,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.05454357713460922},{"word":"and","start":1105.87,"end":1106.11,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0501888170838356},{"word":"let","start":1106.11,"end":1106.27,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07542121410369873},{"word":"it","start":1106.27,"end":1106.4299,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07912050187587738},{"word":"run","start":1106.4299,"end":1106.67,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.028207074850797653},{"word":"for","start":1106.67,"end":1106.83,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030213914811611176},{"word":"six","start":1106.83,"end":1107.07,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.04026973247528076},{"word":"to","start":1107.07,"end":1107.23,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03365860879421234},{"word":"twelve","start":1107.23,"end":1107.47,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.031125742942094803},{"word":"months","start":1107.47,"end":1107.97,"confidence":0.99609375,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.014584189280867577},{"word":"yes","start":1117.405,"end":1117.725,"confidence":0.8886719,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.017072398215532303},{"word":"that's","start":1117.725,"end":1118.045,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.00953441858291626},{"word":"right","start":1118.045,"end":1118.545,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.01801469177007675},{"word":"yep","start":1119.085,"end":1119.585,"confidence":0.93237305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014422627165913582},{"word":"absolutely","start":1119.725,"end":1120.225,"confidence":0.99658203,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07304997742176056},{"word":"no","start":1123.485,"end":1123.985,"confidence":0.8557129,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2947220802307129},{"word":"yeah","start":1143.275,"end":1143.775,"confidence":0.7746582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.036133814603090286},{"word":"yep","start":1168.665,"end":1168.9851,"confidence":0.84375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3228195905685425},{"word":"that's","start":1168.9851,"end":1169.2251,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5363821387290955},{"word":"pretty","start":1169.2251,"end":1169.545,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5404601097106934},{"word":"reasonable","start":1169.545,"end":1170.045,"confidence":0.98535156,"punctuated_word":"reasonable.","sentiment":"positive","sentiment_score":0.522298276424408},{"word":"and","start":1170.1051,"end":1170.3451,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4127179980278015},{"word":"i","start":1170.3451,"end":1170.425,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2697914242744446},{"word":"think","start":1170.425,"end":1170.665,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.3173713684082031},{"word":"the","start":1170.665,"end":1170.7451,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3528707027435303},{"word":"main","start":1170.7451,"end":1170.905,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.3305942416191101},{"word":"thing","start":1170.905,"end":1171.2251,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.3831978440284729},{"word":"i","start":1171.2251,"end":1171.385,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24810859560966492},{"word":"i","start":1171.385,"end":1171.4651,"confidence":0.7001953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.230135977268219},{"word":"just","start":1171.4651,"end":1171.625,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26510295271873474},{"word":"wanna","start":1171.625,"end":1171.8651,"confidence":0.77978516,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18810954689979553},{"word":"be","start":1171.8651,"end":1172.3651,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07916641235351562},{"word":"careful","start":1172.425,"end":1172.8251,"confidence":1.0,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":0.11515426635742188},{"word":"of","start":1172.8251,"end":1173.0651,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25914132595062256},{"word":"too","start":1173.0651,"end":1173.305,"confidence":0.9873047,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.2890312969684601},{"word":"is","start":1173.305,"end":1173.4651,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2485902309417725},{"word":"that","start":1173.4651,"end":1173.9451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23544123768806455},{"word":"if","start":1173.9451,"end":1174.185,"confidence":0.96777344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19934752583503723},{"word":"i","start":1174.185,"end":1174.3451,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16749736666679382},{"word":"need","start":1174.3451,"end":1174.5851,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.14904437959194183},{"word":"to","start":1174.5851,"end":1174.905,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2092103660106659},{"word":"switch","start":1174.905,"end":1175.145,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.14935638010501862},{"word":"this","start":1175.145,"end":1175.385,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2258734107017517},{"word":"out","start":1175.385,"end":1175.545,"confidence":0.9760742,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18593305349349976},{"word":"down","start":1175.545,"end":1175.7051,"confidence":0.9921875,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1748388409614563},{"word":"the","start":1175.7051,"end":1175.8651,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2572542130947113},{"word":"line","start":1175.8651,"end":1176.025,"confidence":0.9770508,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.22396472096443176},{"word":"like","start":1176.025,"end":1176.265,"confidence":0.87231445,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19586792588233948},{"word":"if","start":1176.265,"end":1176.3451,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17939823865890503},{"word":"it","start":1176.3451,"end":1176.425,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1745358407497406},{"word":"doesn't","start":1176.425,"end":1176.8251,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.16018912196159363},{"word":"pick","start":1176.8251,"end":1176.9851,"confidence":0.9941406,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":0.15575763583183289},{"word":"up","start":1176.9851,"end":1177.4851,"confidence":0.9880371,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.14940983057022095},{"word":"as","start":1177.98,"end":1178.06,"confidence":0.9863281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2660187780857086},{"word":"long","start":1178.06,"end":1178.22,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.30503934621810913},{"word":"as","start":1178.22,"end":1178.38,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25389373302459717},{"word":"i","start":1178.38,"end":1178.46,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2630354166030884},{"word":"can","start":1178.46,"end":1178.62,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2685268819332123},{"word":"get","start":1178.62,"end":1178.78,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2753699719905853},{"word":"in","start":1178.78,"end":1178.94,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23256894946098328},{"word":"contact","start":1178.94,"end":1179.34,"confidence":1.0,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.27951258420944214},{"word":"with","start":1179.34,"end":1179.42,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.397184818983078},{"word":"you","start":1179.42,"end":1179.66,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3974977433681488},{"word":"just","start":1179.66,"end":1179.82,"confidence":0.9921875,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.362568199634552},{"word":"to","start":1179.82,"end":1179.9,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.329192578792572},{"word":"go","start":1179.9,"end":1180.14,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.37051519751548767},{"word":"through","start":1180.14,"end":1180.64,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4075863063335418},{"word":"some","start":1180.7,"end":1181.02,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.37172794342041016},{"word":"updated","start":1181.02,"end":1181.5,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2746863067150116},{"word":"advice","start":1181.5,"end":1181.9,"confidence":0.96435547,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.3438568413257599},{"word":"documents","start":1181.9,"end":1182.4,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.30139657855033875},{"word":"to","start":1182.46,"end":1182.62,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32489559054374695},{"word":"get","start":1182.62,"end":1182.78,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2831886112689972},{"word":"your","start":1182.78,"end":1183.18,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2863849997520447},{"word":"authorization","start":1183.18,"end":1183.68,"confidence":0.99902344,"punctuated_word":"authorization","sentiment":"neutral","sentiment_score":0.31861647963523865},{"word":"to","start":1183.98,"end":1184.14,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3258928060531616},{"word":"do","start":1184.14,"end":1184.38,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35302793979644775},{"word":"so","start":1184.38,"end":1184.88,"confidence":0.9926758,"punctuated_word":"so,","sentiment":"positive","sentiment_score":0.35888808965682983},{"word":"more","start":1185.02,"end":1185.26,"confidence":0.6870117,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.3268793523311615},{"word":"than","start":1185.26,"end":1185.5,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2883327305316925},{"word":"happy","start":1185.5,"end":1185.82,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3439224362373352},{"word":"to","start":1185.82,"end":1185.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16378933191299438},{"word":"do","start":1185.98,"end":1186.14,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1933703571557999},{"word":"that","start":1186.14,"end":1186.64,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.19532491266727448},{"word":"the","start":1187.02,"end":1187.26,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1059010773897171},{"word":"main","start":1187.26,"end":1187.5,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.14353324472904205},{"word":"thing","start":1187.5,"end":1187.74,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1778336763381958},{"word":"is","start":1187.74,"end":1187.9,"confidence":0.8564453,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.10015296936035156},{"word":"look","start":1187.9,"end":1188.22,"confidence":0.9091797,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.06824354082345963},{"word":"if","start":1188.22,"end":1188.38,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06627952307462692},{"word":"one","start":1188.38,"end":1188.62,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03540834039449692},{"word":"option's","start":1188.62,"end":1189.02,"confidence":0.82250977,"punctuated_word":"option's","sentiment":"neutral","sentiment_score":0.00916451495140791},{"word":"not","start":1189.02,"end":1189.18,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04370509833097458},{"word":"doing","start":1189.18,"end":1189.5,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.013298705220222471},{"word":"so","start":1189.5,"end":1189.66,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0023759305477142334},{"word":"good","start":1189.66,"end":1189.9,"confidence":0.8852539,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.0633515864610672},{"word":"but","start":1189.9,"end":1190.14,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05147417634725571},{"word":"overall","start":1190.14,"end":1190.54,"confidence":0.8798828,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.1711191087961197},{"word":"the","start":1190.54,"end":1190.7,"confidence":0.67578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2599584758281708},{"word":"portfolio","start":1190.7,"end":1191.2,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17929863929748535},{"word":"is","start":1191.74,"end":1191.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31427860260009766},{"word":"hitting","start":1191.98,"end":1192.3,"confidence":1.0,"punctuated_word":"hitting","sentiment":"positive","sentiment_score":0.3519701063632965},{"word":"the","start":1192.3,"end":1192.46,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24403436481952667},{"word":"mark","start":1192.46,"end":1192.935,"confidence":0.99194336,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":0.1896738559007645},{"word":"i","start":1193.015,"end":1193.0951,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07907342910766602},{"word":"don't","start":1193.0951,"end":1193.415,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.025817399844527245},{"word":"usually","start":1193.415,"end":1193.895,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.02111534029245377},{"word":"play","start":1193.895,"end":1194.055,"confidence":1.0,"punctuated_word":"play","sentiment":"neutral","sentiment_score":-0.076833575963974},{"word":"with","start":1194.055,"end":1194.2151,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05315336212515831},{"word":"it","start":1194.2151,"end":1194.4551,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.040302664041519165},{"word":"too","start":1194.4551,"end":1194.6151,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.042266711592674255},{"word":"much","start":1194.6151,"end":1195.1151,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03639030456542969},{"word":"every","start":1195.255,"end":1195.655,"confidence":0.9873047,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.015291573479771614},{"word":"couple","start":1195.655,"end":1195.9751,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.015935737639665604},{"word":"of","start":1195.9751,"end":1196.135,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028277676552534103},{"word":"months","start":1196.135,"end":1196.635,"confidence":0.8552246,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.025639979168772697},{"word":"but","start":1196.775,"end":1197.0951,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.035367392003536224},{"word":"if","start":1197.0951,"end":1197.175,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06096313521265984},{"word":"you","start":1197.175,"end":1197.3351,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07227052003145218},{"word":"had","start":1197.3351,"end":1197.5751,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06047185882925987},{"word":"three","start":1197.5751,"end":1197.7351,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.03665875643491745},{"word":"options","start":1197.7351,"end":1198.135,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.032525938004255295},{"word":"that","start":1198.135,"end":1198.295,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0682859793305397},{"word":"run","start":1198.295,"end":1198.4551,"confidence":0.9902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.0438232347369194},{"word":"the","start":1198.4551,"end":1198.6151,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03842824697494507},{"word":"performing","start":1198.6151,"end":1199.015,"confidence":0.9577637,"punctuated_word":"performing,","sentiment":"neutral","sentiment_score":0.059097401797771454},{"word":"we","start":1199.015,"end":1199.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09123823046684264},{"word":"would","start":1199.175,"end":1199.3351,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09975957870483398},{"word":"do","start":1199.3351,"end":1199.4951,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06269080191850662},{"word":"a","start":1199.4951,"end":1199.5751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05669563636183739},{"word":"full","start":1199.5751,"end":1199.8151,"confidence":0.9970703,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.10199154913425446},{"word":"rebalance","start":1199.8151,"end":1200.3151,"confidence":0.99658203,"punctuated_word":"rebalance.","sentiment":"neutral","sentiment_score":0.044433772563934326},{"word":"so","start":1202.4551,"end":1202.6951,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20852667093276975},{"word":"if","start":1202.6951,"end":1202.8551,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27284470200538635},{"word":"it's","start":1202.8551,"end":1203.015,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27246958017349243},{"word":"okay","start":1203.015,"end":1203.255,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.3021543025970459},{"word":"with","start":1203.255,"end":1203.415,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30970925092697144},{"word":"you","start":1203.415,"end":1203.5751,"confidence":1.0,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.3201583921909332},{"word":"i'll","start":1203.5751,"end":1203.7351,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3481805920600891},{"word":"get","start":1203.7351,"end":1203.895,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.33154869079589844},{"word":"the","start":1203.895,"end":1204.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2689450979232788},{"word":"team","start":1204.055,"end":1204.295,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.25246167182922363},{"word":"to","start":1204.295,"end":1204.4551,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27970945835113525},{"word":"reach","start":1204.4551,"end":1204.6951,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.23349428176879883},{"word":"out","start":1204.6951,"end":1205.175,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2053118646144867},{"word":"towards","start":1205.175,"end":1205.4951,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.22887101769447327},{"word":"the","start":1205.4951,"end":1205.5751,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25873568654060364},{"word":"end","start":1205.5751,"end":1205.7351,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.2716936469078064},{"word":"of","start":1205.7351,"end":1205.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3070821762084961},{"word":"the","start":1205.895,"end":1205.9751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2825142741203308},{"word":"year","start":1205.9751,"end":1206.295,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.26575830578804016},{"word":"just","start":1206.295,"end":1206.4551,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31110385060310364},{"word":"to","start":1206.4551,"end":1206.535,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2581755220890045},{"word":"give","start":1206.535,"end":1206.6951,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2318614423274994},{"word":"you","start":1206.6951,"end":1206.8551,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2562512159347534},{"word":"a","start":1206.8551,"end":1207.015,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2689630389213562},{"word":"bit","start":1207.015,"end":1207.175,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2520312964916229},{"word":"of","start":1207.175,"end":1207.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28278419375419617},{"word":"an","start":1207.255,"end":1207.415,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22353321313858032},{"word":"update","start":1207.415,"end":1207.915,"confidence":0.939209,"punctuated_word":"update,","sentiment":"neutral","sentiment_score":0.2628079652786255},{"word":"and","start":1208.3099,"end":1208.8099,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.205447718501091},{"word":"i'll","start":1208.87,"end":1209.0299,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2835400700569153},{"word":"pretty","start":1209.0299,"end":1209.2699,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.28369855880737305},{"word":"much","start":1209.2699,"end":1209.5099,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.285295307636261},{"word":"have","start":1209.5099,"end":1209.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2854175269603729},{"word":"the","start":1209.59,"end":1209.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2575274109840393},{"word":"research","start":1209.83,"end":1210.3099,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.19636096060276031},{"word":"pre","start":1210.3099,"end":1210.63,"confidence":0.8886719,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.2749873995780945},{"word":"prepared","start":1210.63,"end":1211.0299,"confidence":0.92333984,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.2288481444120407},{"word":"for","start":1211.0299,"end":1211.19,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25844454765319824},{"word":"you","start":1211.19,"end":1211.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20972299575805664},{"word":"as","start":1211.35,"end":1211.5099,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25661659240722656},{"word":"well","start":1211.5099,"end":1212.0099,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19983378052711487},{"word":"k","start":1214.23,"end":1214.71,"confidence":0.8737793,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.03794466331601143},{"word":"outside","start":1214.71,"end":1215.0299,"confidence":0.81933594,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.02590041607618332},{"word":"of","start":1215.0299,"end":1215.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03211544454097748},{"word":"that","start":1215.19,"end":1215.69,"confidence":0.98999023,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.02853638306260109},{"word":"because","start":1216.07,"end":1216.3899,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03672256693243981},{"word":"you","start":1216.3899,"end":1216.5499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03795235604047775},{"word":"are","start":1216.5499,"end":1216.71,"confidence":0.9589844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05307856947183609},{"word":"directing","start":1216.71,"end":1217.19,"confidence":1.0,"punctuated_word":"directing","sentiment":"neutral","sentiment_score":0.0669950619339943},{"word":"your","start":1217.19,"end":1217.35,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06721801310777664},{"word":"cash","start":1217.35,"end":1217.59,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.07236742228269577},{"word":"flow","start":1217.59,"end":1217.9099,"confidence":0.97265625,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.10868895053863524},{"word":"towards","start":1217.9099,"end":1218.3099,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.07672931253910065},{"word":"both","start":1218.3099,"end":1218.8099,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.0842159315943718},{"word":"your","start":1219.0299,"end":1219.2699,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08002342283725739},{"word":"comsec","start":1219.2699,"end":1219.7699,"confidence":0.80078125,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.07157126814126968},{"word":"account","start":1219.83,"end":1220.23,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11694423854351044},{"word":"and","start":1220.23,"end":1220.47,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07092944532632828},{"word":"your","start":1220.47,"end":1220.95,"confidence":0.8911133,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.03944106772542},{"word":"like","start":1220.95,"end":1221.19,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.030713073909282684},{"word":"your","start":1221.19,"end":1221.35,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04291056469082832},{"word":"mortgage","start":1221.35,"end":1221.85,"confidence":0.98950195,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.052530959248542786},{"word":"you","start":1222.1449,"end":1222.3049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011578042060136797},{"word":"tend","start":1222.3049,"end":1222.465,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.03591664135456085},{"word":"to","start":1222.465,"end":1222.5449,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014408793300390244},{"word":"put","start":1222.5449,"end":1222.6649,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.012562531977891922},{"word":"a","start":1222.6649,"end":1222.7849,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030024895444512367},{"word":"lot","start":1222.7849,"end":1223.0249,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.009648501873016356},{"word":"of","start":1223.0249,"end":1223.1849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025320202112197876},{"word":"your","start":1223.1849,"end":1223.585,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02200821042060852},{"word":"surplus","start":1223.585,"end":1223.985,"confidence":0.9980469,"punctuated_word":"surplus","sentiment":"neutral","sentiment_score":-0.030878230929374695},{"word":"into","start":1223.985,"end":1224.225,"confidence":0.95214844,"punctuated_word":"into,","sentiment":"neutral","sentiment_score":-0.04540372267365456},{"word":"like","start":1224.225,"end":1224.3849,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04612119868397713},{"word":"an","start":1224.3849,"end":1224.5449,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.041811347007751465},{"word":"offset","start":1224.5449,"end":1224.865,"confidence":0.99609375,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.012014970183372498},{"word":"account","start":1224.865,"end":1225.1849,"confidence":0.91015625,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.012957260012626648},{"word":"or","start":1225.1849,"end":1225.2649,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01182546466588974},{"word":"anything","start":1225.2649,"end":1225.585,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.035978764295578},{"word":"like","start":1225.585,"end":1225.745,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0672985315322876},{"word":"that","start":1225.745,"end":1226.245,"confidence":0.9980469,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.0006596185266971588},{"word":"yeah","start":1257.135,"end":1257.635,"confidence":0.94750977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06420019268989563},{"word":"so","start":1265.07,"end":1265.23,"confidence":0.45007324,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03934287279844284},{"word":"mohan","start":1265.23,"end":1265.5499,"confidence":0.5826823,"punctuated_word":"Mohan,","sentiment":"neutral","sentiment_score":0.04395793378353119},{"word":"what","start":1265.5499,"end":1266.03,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011909523978829384},{"word":"what","start":1266.03,"end":1266.53,"confidence":0.84765625,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.006965596228837967},{"word":"bank","start":1266.75,"end":1267.07,"confidence":0.9707031,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.030172891914844513},{"word":"you","start":1267.07,"end":1267.23,"confidence":0.7895508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005403868854045868},{"word":"with","start":1267.23,"end":1267.39,"confidence":0.36035156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007791617885231972},{"word":"at","start":1267.39,"end":1267.5499,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.001622706651687622},{"word":"the","start":1267.5499,"end":1267.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004360612481832504},{"word":"moment","start":1267.63,"end":1268.13,"confidence":0.99902344,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.016095351427793503},{"word":"yeah","start":1276.925,"end":1277.325,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031904738396406174},{"word":"wow","start":1277.325,"end":1277.645,"confidence":0.7832031,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.14052152633666992},{"word":"okay","start":1277.645,"end":1278.145,"confidence":0.9909668,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1512783020734787},{"word":"yes","start":1286.06,"end":1286.56,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3721877932548523},{"word":"yeah","start":1316.17,"end":1316.49,"confidence":0.8544922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033198773860931396},{"word":"it's","start":1316.49,"end":1316.81,"confidence":0.9946289,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03863067924976349},{"word":"just","start":1316.81,"end":1317.05,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.000996224582195282},{"word":"too","start":1317.05,"end":1317.37,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.03164596110582352},{"word":"accessible","start":1317.37,"end":1317.87,"confidence":0.9616699,"punctuated_word":"accessible,","sentiment":"neutral","sentiment_score":0.025995727628469467},{"word":"too","start":1318.0901,"end":1318.25,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.058708250522613525},{"word":"easy","start":1318.25,"end":1318.5701,"confidence":1.0,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.136345237493515},{"word":"to","start":1318.5701,"end":1318.65,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04067763686180115},{"word":"transfer","start":1318.65,"end":1319.15,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.01853436976671219},{"word":"between","start":1319.29,"end":1319.6901,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.004133693873882294},{"word":"accounts","start":1319.6901,"end":1320.0901,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.00314447283744812},{"word":"and","start":1320.0901,"end":1320.49,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0005219243466854095},{"word":"swipe","start":1320.49,"end":1320.81,"confidence":0.9980469,"punctuated_word":"swipe","sentiment":"neutral","sentiment_score":0.006215259432792664},{"word":"a","start":1320.81,"end":1320.89,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.000598713755607605},{"word":"card","start":1320.89,"end":1321.13,"confidence":0.9470215,"punctuated_word":"card,","sentiment":"neutral","sentiment_score":-0.01538790576159954},{"word":"isn't","start":1321.13,"end":1321.4501,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.016716765239834785},{"word":"it","start":1321.4501,"end":1321.905,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.012923281639814377},{"word":"you","start":1349.055,"end":1349.2151,"confidence":0.63623047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.20133160054683685},{"word":"know","start":1349.2151,"end":1349.375,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.17701300978660583},{"word":"what","start":1349.375,"end":1349.535,"confidence":0.9609375,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.12850847840309143},{"word":"that's","start":1349.535,"end":1349.775,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0015391260385513306},{"word":"actually","start":1349.775,"end":1350.175,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.009619265794754028},{"word":"really","start":1350.175,"end":1350.4951,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.012983575463294985},{"word":"mature","start":1350.4951,"end":1350.895,"confidence":0.9838867,"punctuated_word":"mature","sentiment":"neutral","sentiment_score":-0.09564447402954102},{"word":"of","start":1350.895,"end":1351.055,"confidence":0.94921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08351290225982666},{"word":"you","start":1351.055,"end":1351.2151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10653913021087646},{"word":"to","start":1351.2151,"end":1351.4551,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1626405268907547},{"word":"recognize","start":1351.4551,"end":1351.9551,"confidence":1.0,"punctuated_word":"recognize","sentiment":"neutral","sentiment_score":0.18474091589450836},{"word":"because","start":1352.015,"end":1352.415,"confidence":0.9086914,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.008934691548347473},{"word":"most","start":1352.415,"end":1352.655,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.08008857071399689},{"word":"people","start":1352.655,"end":1352.9751,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.2153817117214203},{"word":"fall","start":1352.9751,"end":1353.2151,"confidence":0.9970703,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.3045426309108734},{"word":"into","start":1353.2151,"end":1353.4551,"confidence":0.9980469,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.4215049147605896},{"word":"that","start":1353.4551,"end":1353.6951,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2798621356487274},{"word":"trap","start":1353.6951,"end":1354.015,"confidence":0.9970703,"punctuated_word":"trap","sentiment":"negative","sentiment_score":-0.3955008089542389},{"word":"for","start":1354.015,"end":1354.255,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.3248520493507385},{"word":"ten","start":1354.255,"end":1354.4951,"confidence":0.98583984,"punctuated_word":"ten,","sentiment":"negative","sentiment_score":-0.37833353877067566},{"word":"twenty","start":1354.4951,"end":1354.8151,"confidence":1.0,"punctuated_word":"twenty","sentiment":"negative","sentiment_score":-0.41416698694229126},{"word":"years","start":1354.8151,"end":1355.135,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.31936752796173096},{"word":"where","start":1355.135,"end":1355.295,"confidence":0.87597656,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.21963529288768768},{"word":"they're","start":1355.295,"end":1355.4551,"confidence":0.94799805,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.24020355939865112},{"word":"just","start":1355.4551,"end":1355.6951,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2630234360694885},{"word":"like","start":1355.6951,"end":1356.0951,"confidence":0.9562988,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1752263754606247},{"word":"this","start":1356.0951,"end":1356.3351,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29710957407951355},{"word":"should","start":1356.3351,"end":1356.5751,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.21574077010154724},{"word":"be","start":1356.5751,"end":1356.7351,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.240898996591568},{"word":"working","start":1356.7351,"end":1357.055,"confidence":0.96972656,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.22148385643959043},{"word":"but","start":1357.055,"end":1357.295,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1875793933868408},{"word":"it's","start":1357.295,"end":1357.535,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3239384889602661},{"word":"not","start":1357.535,"end":1358.035,"confidence":0.9890137,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.29478567838668823},{"word":"and","start":1358.3099,"end":1358.8099,"confidence":0.88549805,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.055864378809928894},{"word":"really","start":1358.95,"end":1359.19,"confidence":1.0,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.00637098029255867},{"word":"it's","start":1359.19,"end":1359.35,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08288413286209106},{"word":"just","start":1359.35,"end":1359.6699,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.049301087856292725},{"word":"recognizing","start":1359.6699,"end":1360.07,"confidence":1.0,"punctuated_word":"recognizing","sentiment":"neutral","sentiment_score":0.022274326533079147},{"word":"the","start":1360.07,"end":1360.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017368674278259277},{"word":"behavioral","start":1360.3099,"end":1360.7899,"confidence":0.99902344,"punctuated_word":"behavioral","sentiment":"neutral","sentiment_score":0.026845455169677734},{"word":"side","start":1360.7899,"end":1360.95,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.026851922273635864},{"word":"of","start":1360.95,"end":1361.0299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07895498722791672},{"word":"things","start":1361.0299,"end":1361.2699,"confidence":0.98535156,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.033983029425144196},{"word":"that","start":1361.2699,"end":1361.4299,"confidence":0.9003906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03439026325941086},{"word":"if","start":1361.4299,"end":1361.59,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.010298270732164385},{"word":"it's","start":1361.59,"end":1361.83,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.020820610225200653},{"word":"there","start":1361.83,"end":1362.33,"confidence":0.9975586,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.019110441207885746},{"word":"it's","start":1362.5499,"end":1362.71,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03350115567445755},{"word":"too","start":1362.71,"end":1362.95,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.043440088629722595},{"word":"easy","start":1362.95,"end":1363.19,"confidence":1.0,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":-0.016231022775173187},{"word":"to","start":1363.19,"end":1363.35,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04428429156541824},{"word":"touch","start":1363.35,"end":1363.75,"confidence":0.99121094,"punctuated_word":"touch.","sentiment":"neutral","sentiment_score":0.011706162244081495},{"word":"so","start":1363.75,"end":1364.25,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04130364581942558},{"word":"some","start":1364.3899,"end":1364.63,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.044489748775959015},{"word":"clients","start":1364.63,"end":1365.0299,"confidence":1.0,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.03055785596370697},{"word":"even","start":1365.0299,"end":1365.35,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.007319346070289612},{"word":"go","start":1365.35,"end":1365.5099,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.057447195053100586},{"word":"back","start":1365.5099,"end":1365.6699,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06258369982242584},{"word":"to","start":1365.6699,"end":1365.83,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03294793516397476},{"word":"using","start":1365.83,"end":1366.33,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.06667830049991608},{"word":"a","start":1366.95,"end":1367.19,"confidence":0.83203125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1041462868452072},{"word":"regrow","start":1367.19,"end":1367.6699,"confidence":0.6411133,"punctuated_word":"regrow","sentiment":"neutral","sentiment_score":0.09782549738883972},{"word":"facility","start":1367.6699,"end":1368.1699,"confidence":1.0,"punctuated_word":"facility","sentiment":"neutral","sentiment_score":0.13113857805728912},{"word":"because","start":1368.47,"end":1368.7899,"confidence":0.9614258,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0580480732023716},{"word":"it's","start":1368.7899,"end":1369.0299,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03605666384100914},{"word":"harder","start":1369.0299,"end":1369.35,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.03690585866570473},{"word":"to","start":1369.35,"end":1369.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07397149503231049},{"word":"access","start":1369.59,"end":1370.09,"confidence":0.9802246,"punctuated_word":"access.","sentiment":"neutral","sentiment_score":0.10565709322690964},{"word":"but","start":1370.325,"end":1370.565,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17866060137748718},{"word":"if","start":1370.565,"end":1370.725,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.26861700415611267},{"word":"you","start":1370.725,"end":1370.8049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2643779516220093},{"word":"find","start":1370.8049,"end":1371.125,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.27664121985435486},{"word":"that","start":1371.125,"end":1371.2849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27293136715888977},{"word":"having","start":1371.2849,"end":1371.605,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.32427287101745605},{"word":"that","start":1371.605,"end":1371.845,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2807120382785797},{"word":"separate","start":1371.845,"end":1372.325,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.3021943271160126},{"word":"bank","start":1372.325,"end":1372.825,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.27121207118034363},{"word":"and","start":1372.885,"end":1373.205,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28043636679649353},{"word":"savings","start":1373.205,"end":1373.6849,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.11703669279813766},{"word":"targets","start":1373.6849,"end":1374.1649,"confidence":0.9277344,"punctuated_word":"targets","sentiment":"neutral","sentiment_score":0.24312686920166016},{"word":"helps","start":1374.1649,"end":1374.4049,"confidence":0.9863281,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.2908191978931427},{"word":"you","start":1374.4049,"end":1374.565,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3237819969654083},{"word":"guys","start":1374.565,"end":1374.965,"confidence":0.83862305,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.28493982553482056},{"word":"look","start":1374.965,"end":1375.465,"confidence":0.7570801,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.27237239480018616},{"word":"what's","start":1375.605,"end":1375.9249,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.2330029010772705},{"word":"the","start":1375.9249,"end":1376.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15044349431991577},{"word":"the","start":1376.325,"end":1376.4049,"confidence":0.9482422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19376015663146973},{"word":"extra","start":1376.4049,"end":1376.8049,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.1531836837530136},{"word":"0.5%","start":1376.8049,"end":1378.1849,"confidence":1.0,"punctuated_word":"0.5%","sentiment":"neutral","sentiment_score":0.1780272126197815},{"word":"over","start":1378.325,"end":1378.6449,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.22599756717681885},{"word":"actually","start":1378.6449,"end":1379.0449,"confidence":0.984375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2690986394882202},{"word":"having","start":1379.0449,"end":1379.445,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2899325489997864},{"word":"the","start":1379.445,"end":1379.605,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3646694421768189},{"word":"budget","start":1379.605,"end":1380.105,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.32644373178482056},{"word":"moving","start":1380.325,"end":1380.6449,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.32197245955467224},{"word":"in","start":1380.6449,"end":1380.8049,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.34508955478668213},{"word":"the","start":1380.8049,"end":1380.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28402620553970337},{"word":"right","start":1380.965,"end":1381.125,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.3068922460079193},{"word":"direction","start":1381.125,"end":1381.605,"confidence":0.8984375,"punctuated_word":"direction?","sentiment":"neutral","sentiment_score":0.16216975450515747},{"word":"do","start":1381.605,"end":1381.7649,"confidence":0.97265625,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.018996745347976685},{"word":"you","start":1381.7649,"end":1381.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009169451892375946},{"word":"know","start":1381.845,"end":1382.005,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02505497634410858},{"word":"what","start":1382.005,"end":1382.1649,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.007643185555934906},{"word":"i","start":1382.1649,"end":1382.245,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00302308052778244},{"word":"mean","start":1382.245,"end":1382.745,"confidence":1.0,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.02984805591404438},{"word":"to","start":1390.45,"end":1390.61,"confidence":0.7011719,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.01840486377477646},{"word":"be","start":1390.61,"end":1390.77,"confidence":0.9838867,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07168405503034592},{"word":"honest","start":1390.77,"end":1391.09,"confidence":0.99902344,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.11200372874736786},{"word":"simone","start":1391.09,"end":1391.57,"confidence":0.93408203,"punctuated_word":"Simone","sentiment":"neutral","sentiment_score":0.1100737527012825},{"word":"yeah","start":1393.89,"end":1394.21,"confidence":0.98217773,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.005831025540828705},{"word":"but","start":1394.21,"end":1394.45,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06047422438859939},{"word":"that","start":1394.45,"end":1394.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08220327645540237},{"word":"takes","start":1394.61,"end":1394.9299,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.009613588452339172},{"word":"so","start":1394.9299,"end":1395.01,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.044401705265045166},{"word":"much","start":1395.01,"end":1395.25,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.014783039689064026},{"word":"it","start":1395.41,"end":1395.57,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10047951340675354},{"word":"takes","start":1395.57,"end":1395.89,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.11311639845371246},{"word":"time","start":1395.89,"end":1396.13,"confidence":0.9812012,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.10644495487213136},{"word":"it","start":1396.13,"end":1396.2899,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0599018856883049},{"word":"takes","start":1396.2899,"end":1396.53,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.01737271249294281},{"word":"practice","start":1396.53,"end":1397.01,"confidence":0.9995117,"punctuated_word":"practice.","sentiment":"neutral","sentiment_score":-0.03656431660056114},{"word":"it","start":1397.01,"end":1397.1699,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0279582217335701},{"word":"takes","start":1397.1699,"end":1397.6699,"confidence":1.0,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.01674477756023407},{"word":"revisiting","start":1397.89,"end":1398.2899,"confidence":1.0,"punctuated_word":"revisiting","sentiment":"neutral","sentiment_score":0.015108715742826462},{"word":"it","start":1398.2899,"end":1398.7899,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002316690981388092},{"word":"regularly","start":1399.035,"end":1399.535,"confidence":0.9736328,"punctuated_word":"regularly.","sentiment":"neutral","sentiment_score":-0.00861433893442154},{"word":"and","start":1399.755,"end":1399.995,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18453876674175265},{"word":"if","start":1399.995,"end":1400.155,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2529448866844177},{"word":"you","start":1400.155,"end":1400.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27094176411628723},{"word":"find","start":1400.235,"end":1400.4751,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.2786206007003784},{"word":"that","start":1400.4751,"end":1400.7151,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2751551866531372},{"word":"putting","start":1400.7151,"end":1400.9551,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.3120260238647461},{"word":"into","start":1400.9551,"end":1401.1951,"confidence":0.9873047,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3451678156852722},{"word":"a","start":1401.1951,"end":1401.3551,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26479798555374146},{"word":"savings","start":1401.3551,"end":1401.755,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1493092179298401},{"word":"account","start":1401.755,"end":1402.0751,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.22490380704402924},{"word":"works","start":1402.0751,"end":1402.3151,"confidence":1.0,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.28442344069480896},{"word":"for","start":1402.3151,"end":1402.4751,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25102031230926514},{"word":"you","start":1402.4751,"end":1402.7151,"confidence":0.99853516,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.31793883442878723},{"word":"like","start":1402.7151,"end":1402.9551,"confidence":0.9885254,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.34115734696388245},{"word":"absolutely","start":1402.9551,"end":1403.3551,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.40382635593414307},{"word":"go","start":1403.3551,"end":1403.5951,"confidence":0.94921875,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4136424958705902},{"word":"for","start":1403.5951,"end":1403.8351,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3197271525859833},{"word":"it","start":1403.8351,"end":1404.3151,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.22558408975601196},{"word":"it's","start":1404.3151,"end":1404.555,"confidence":0.9941406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1642724573612213},{"word":"again","start":1404.7151,"end":1405.1951,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1471494734287262},{"word":"it's","start":1405.1951,"end":1405.3551,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15541879832744598},{"word":"a","start":1405.3551,"end":1405.515,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1443258672952652},{"word":"small","start":1405.515,"end":1405.8351,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.17552095651626587},{"word":"difference","start":1405.8351,"end":1406.235,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.11937445402145386},{"word":"there","start":1406.235,"end":1406.395,"confidence":0.9667969,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08663541823625565},{"word":"but","start":1406.395,"end":1406.795,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0682840347290039},{"word":"the","start":1406.795,"end":1406.9551,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0642465204000473},{"word":"offset","start":1406.9551,"end":1407.3551,"confidence":0.9951172,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.03763783723115921},{"word":"account","start":1407.3551,"end":1407.5951,"confidence":0.6645508,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.009173966944217682},{"word":"to","start":1407.5951,"end":1407.755,"confidence":0.48632812,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07139624655246735},{"word":"kinda","start":1407.755,"end":1408.0751,"confidence":0.7895508,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.06447280198335648},{"word":"have","start":1408.0751,"end":1408.155,"confidence":0.65283203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07971610128879547},{"word":"the","start":1408.155,"end":1408.3151,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06393051147460938},{"word":"banks","start":1408.3151,"end":1408.635,"confidence":0.9770508,"punctuated_word":"banks","sentiment":"neutral","sentiment_score":0.06649544835090637},{"word":"get","start":1408.635,"end":1408.795,"confidence":0.9819336,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06857645511627197},{"word":"you","start":1408.795,"end":1408.9551,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06171584874391556},{"word":"anyway","start":1408.9551,"end":1409.3551,"confidence":0.9863281,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.06217973679304123},{"word":"because","start":1409.3551,"end":1409.675,"confidence":0.7705078,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.018213726580142975},{"word":"they","start":1409.675,"end":1409.915,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0070580169558525085},{"word":"know","start":1409.915,"end":1410.415,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0054213181138038635},{"word":"it's","start":1410.635,"end":1410.875,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010729722678661346},{"word":"such","start":1410.875,"end":1411.115,"confidence":1.0,"punctuated_word":"such","sentiment":"neutral","sentiment_score":-0.03936667740345001},{"word":"a","start":1411.115,"end":1411.275,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0033709965646266937},{"word":"temptation","start":1411.275,"end":1411.775,"confidence":1.0,"punctuated_word":"temptation","sentiment":"neutral","sentiment_score":-0.0260578915476799},{"word":"that","start":1412.41,"end":1412.65,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.033035844564437866},{"word":"people","start":1412.65,"end":1412.89,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.14712786674499512},{"word":"don't","start":1412.89,"end":1413.13,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13815733790397644},{"word":"offset","start":1413.13,"end":1413.45,"confidence":0.9902344,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.1711101531982422},{"word":"as","start":1413.45,"end":1413.61,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14754700660705566},{"word":"much","start":1413.61,"end":1413.85,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.12565989792346954},{"word":"as","start":1413.85,"end":1414.01,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14552676677703855},{"word":"they","start":1414.01,"end":1414.33,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1547025740146637},{"word":"think","start":1414.33,"end":1414.57,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12832430005073547},{"word":"they","start":1414.57,"end":1414.81,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.12232578545808792},{"word":"would","start":1414.81,"end":1414.97,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08102302253246307},{"word":"have","start":1414.97,"end":1415.21,"confidence":0.7993164,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1104658916592598},{"word":"when","start":1415.21,"end":1415.37,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.06898628920316696},{"word":"they","start":1415.37,"end":1415.53,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07988891005516052},{"word":"start","start":1415.53,"end":1415.77,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.05224452167749405},{"word":"that","start":1415.77,"end":1416.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0244939923286438},{"word":"journey","start":1416.01,"end":1416.51,"confidence":0.99902344,"punctuated_word":"journey.","sentiment":"neutral","sentiment_score":-0.02149781957268715},{"word":"so","start":1419.77,"end":1420.25,"confidence":0.9255371,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08642871677875519},{"word":"actually","start":1420.41,"end":1420.73,"confidence":0.99560547,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.09887023270130156},{"word":"one","start":1420.73,"end":1420.89,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.108326256275177},{"word":"thing","start":1420.89,"end":1421.05,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.11971908807754517},{"word":"i","start":1421.05,"end":1421.13,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10282300412654875},{"word":"wanna","start":1421.13,"end":1421.37,"confidence":0.44677734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12595151364803314},{"word":"quickly","start":1421.37,"end":1421.69,"confidence":0.9970703,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.12253868579864502},{"word":"check","start":1421.69,"end":1421.85,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.09880263358354568},{"word":"with","start":1421.85,"end":1422.09,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11029501259326936},{"word":"you","start":1422.09,"end":1422.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09562604129314424},{"word":"is","start":1422.41,"end":1422.57,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09897793084383012},{"word":"in","start":1422.57,"end":1422.73,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09015804529190063},{"word":"terms","start":1422.73,"end":1422.97,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0941871628165245},{"word":"of","start":1422.97,"end":1423.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10215528309345244},{"word":"that","start":1423.13,"end":1423.45,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09088216722011566},{"word":"savings","start":1423.45,"end":1423.93,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.07350990921258926},{"word":"amount","start":1423.93,"end":1424.25,"confidence":0.94555664,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.08794264495372772},{"word":"do","start":1424.25,"end":1424.33,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05847884714603424},{"word":"you","start":1424.33,"end":1424.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07082047313451767},{"word":"mind","start":1424.41,"end":1424.57,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.06648482382297516},{"word":"if","start":1424.57,"end":1424.73,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09472721815109252},{"word":"i","start":1424.73,"end":1424.89,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09364482015371324},{"word":"note","start":1424.89,"end":1425.05,"confidence":0.99902344,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.07052958756685257},{"word":"that","start":1425.05,"end":1425.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0726676657795906},{"word":"down","start":1425.29,"end":1425.53,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08915212005376816},{"word":"in","start":1425.53,"end":1425.61,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07374294102191925},{"word":"your","start":1425.61,"end":1425.85,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07712654769420624},{"word":"assets","start":1425.85,"end":1426.25,"confidence":0.97802734,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.0654129683971405},{"word":"as","start":1426.25,"end":1426.41,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07993756979703903},{"word":"well","start":1426.41,"end":1426.905,"confidence":0.9970703,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.06325019896030426},{"word":"sensational","start":1435.145,"end":1435.645,"confidence":0.96468097,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.14487020671367645},{"word":"and","start":1435.785,"end":1435.9451,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05775206536054611},{"word":"that's","start":1435.9451,"end":1436.185,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08028852939605713},{"word":"with","start":1436.185,"end":1436.265,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08966194838285446},{"word":"ubank","start":1436.265,"end":1436.765,"confidence":0.8647461,"punctuated_word":"UBank?","sentiment":"neutral","sentiment_score":0.09102021902799606},{"word":"amazing","start":1439.3201,"end":1439.8201,"confidence":0.9416504,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.475076287984848},{"word":"yep","start":1447.4,"end":1447.9,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12799155712127686},{"word":"and","start":1458.935,"end":1459.175,"confidence":0.71728516,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05193188786506653},{"word":"just","start":1459.175,"end":1459.3351,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04259725660085678},{"word":"while","start":1459.3351,"end":1459.5751,"confidence":0.99316406,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04835397750139237},{"word":"you're","start":1459.5751,"end":1459.7351,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07107020914554596},{"word":"grabbing","start":1459.7351,"end":1460.055,"confidence":0.96875,"punctuated_word":"grabbing","sentiment":"neutral","sentiment_score":0.08072254061698914},{"word":"that","start":1460.055,"end":1460.2151,"confidence":0.9448242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0717632919549942},{"word":"up","start":1460.2151,"end":1460.295,"confidence":0.86572266,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08428751677274704},{"word":"as","start":1460.295,"end":1460.375,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07702847570180893},{"word":"well","start":1460.375,"end":1460.535,"confidence":0.99609375,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.04716148227453232},{"word":"is","start":1460.535,"end":1460.6951,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0315743163228035},{"word":"there","start":1460.6951,"end":1460.8551,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.032569997012615204},{"word":"a","start":1460.8551,"end":1460.935,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01640220731496811},{"word":"set","start":1460.935,"end":1461.0951,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.025320131331682205},{"word":"amount","start":1461.0951,"end":1461.415,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.05735330656170845},{"word":"you're","start":1461.415,"end":1461.5751,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.041084203869104385},{"word":"putting","start":1461.5751,"end":1461.8151,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.04622598737478256},{"word":"into","start":1461.8151,"end":1462.055,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04408511519432068},{"word":"that","start":1462.055,"end":1462.2151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06247958540916443},{"word":"one","start":1462.2151,"end":1462.4551,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06698428094387054},{"word":"as","start":1462.4551,"end":1462.6151,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08108429610729218},{"word":"well","start":1462.6151,"end":1463.0951,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.06966156512498856},{"word":"every","start":1463.0951,"end":1463.4951,"confidence":0.9003906,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.05145522579550743},{"word":"single","start":1463.4951,"end":1463.895,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.06658431887626648},{"word":"pay","start":1463.895,"end":1464.395,"confidence":0.9736328,"punctuated_word":"pay?","sentiment":"neutral","sentiment_score":0.0361943244934082},{"word":"yep","start":1500.745,"end":1501.245,"confidence":0.7044678,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05262419581413269},{"word":"look","start":1509.625,"end":1509.865,"confidence":0.67041016,"punctuated_word":"Look.","sentiment":"positive","sentiment_score":0.4705725908279419},{"word":"that's","start":1509.865,"end":1510.1849,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7245582938194275},{"word":"fantastic","start":1510.1849,"end":1510.6849,"confidence":0.99902344,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7920287251472473},{"word":"i","start":1510.745,"end":1510.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6468923687934875},{"word":"mean","start":1510.825,"end":1511.065,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.615103542804718},{"word":"in","start":1511.065,"end":1511.225,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5900387167930603},{"word":"this","start":1511.225,"end":1511.465,"confidence":0.73339844,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.631056010723114},{"word":"economy","start":1511.465,"end":1511.945,"confidence":0.97265625,"punctuated_word":"economy,","sentiment":"positive","sentiment_score":0.5509077310562134},{"word":"having","start":1511.945,"end":1512.265,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.6014342308044434},{"word":"$20,000","start":1512.265,"end":1513.145,"confidence":1.0,"punctuated_word":"$20,000","sentiment":"positive","sentiment_score":0.6314809918403625},{"word":"in","start":1513.145,"end":1513.3049,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6448718905448914},{"word":"savings","start":1513.3049,"end":1513.705,"confidence":1.0,"punctuated_word":"savings","sentiment":"positive","sentiment_score":0.4906531274318695},{"word":"is","start":1513.705,"end":1513.865,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5574550628662109},{"word":"actually","start":1513.865,"end":1514.1849,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6023531556129456},{"word":"really","start":1514.1849,"end":1514.345,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6191572546958923},{"word":"good","start":1514.345,"end":1514.585,"confidence":0.92456055,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5681185722351074},{"word":"especially","start":1514.585,"end":1515.085,"confidence":1.0,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.5486714243888855},{"word":"given","start":1515.5,"end":1515.8201,"confidence":0.99902344,"punctuated_word":"given","sentiment":"positive","sentiment_score":0.4248356819152832},{"word":"i","start":1515.8201,"end":1515.9,"confidence":0.9038086,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5094446539878845},{"word":"know","start":1515.9,"end":1515.9801,"confidence":0.9980469,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.48711174726486206},{"word":"how","start":1515.9801,"end":1516.3,"confidence":0.99902344,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.36035752296447754},{"word":"expensive","start":1516.3,"end":1516.62,"confidence":1.0,"punctuated_word":"expensive","sentiment":"positive","sentiment_score":0.33873918652534485},{"word":"weddings","start":1516.62,"end":1517.02,"confidence":1.0,"punctuated_word":"weddings","sentiment":"neutral","sentiment_score":0.29207438230514526},{"word":"are","start":1517.02,"end":1517.26,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.40330594778060913},{"word":"these","start":1517.26,"end":1517.5,"confidence":1.0,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4022932648658752},{"word":"days","start":1517.5,"end":1518.0,"confidence":0.9941406,"punctuated_word":"days.","sentiment":"positive","sentiment_score":0.3713838458061218},{"word":"there's","start":1519.1001,"end":1519.3401,"confidence":0.9355469,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.29903459548950195},{"word":"a","start":1519.3401,"end":1519.5,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30160439014434814},{"word":"lot","start":1519.5,"end":1519.5801,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1751181185245514},{"word":"of","start":1519.5801,"end":1519.66,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1569487452507019},{"word":"people","start":1519.66,"end":1519.9801,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.14525899291038513},{"word":"kind","start":1519.9801,"end":1520.2201,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16733233630657196},{"word":"of","start":1520.2201,"end":1520.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19479387998580933},{"word":"scrimping","start":1520.3,"end":1520.7001,"confidence":0.9099121,"punctuated_word":"scrimping","sentiment":"neutral","sentiment_score":0.1919548362493515},{"word":"week","start":1520.7001,"end":1520.9401,"confidence":0.96777344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0982711911201477},{"word":"to","start":1520.9401,"end":1521.02,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1553201675415039},{"word":"week","start":1521.02,"end":1521.26,"confidence":0.9562988,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.1174817830324173},{"word":"so","start":1521.26,"end":1521.42,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3155123293399811},{"word":"i","start":1521.42,"end":1521.5,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5942478179931641},{"word":"think","start":1521.5,"end":1521.66,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.5667121410369873},{"word":"that's","start":1521.66,"end":1521.9801,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5795738101005554},{"word":"fantastic","start":1521.9801,"end":1522.4801,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5940589904785156},{"word":"i'll","start":1525.1001,"end":1525.3401,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21442215144634247},{"word":"put","start":1525.3401,"end":1525.5801,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18324580788612368},{"word":"down","start":1525.5801,"end":1525.8201,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16880449652671814},{"word":"i","start":1526.14,"end":1526.3,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14080840349197388},{"word":"might","start":1526.3,"end":1526.54,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11361391842365264},{"word":"just","start":1526.54,"end":1526.7001,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11597172170877457},{"word":"put","start":1526.7001,"end":1526.86,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0717180073261261},{"word":"down","start":1526.86,"end":1527.1001,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10084393620491028},{"word":"the","start":1527.1001,"end":1527.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1057201325893402},{"word":"200","start":1527.26,"end":1527.66,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.07665780186653137},{"word":"a","start":1527.66,"end":1527.8201,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09182387590408324},{"word":"fortnight","start":1527.8201,"end":1528.2201,"confidence":0.9980469,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":0.05132194608449936},{"word":"at","start":1528.2201,"end":1528.3,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12263579666614532},{"word":"the","start":1528.3,"end":1528.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12970349192619324},{"word":"moment","start":1528.38,"end":1528.7001,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.12785901129245758},{"word":"for","start":1528.7001,"end":1528.86,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1521185040473938},{"word":"your","start":1528.86,"end":1529.02,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1706475466489792},{"word":"surplus","start":1529.02,"end":1529.42,"confidence":0.9980469,"punctuated_word":"surplus","sentiment":"neutral","sentiment_score":0.14412805438041687},{"word":"because","start":1529.42,"end":1529.66,"confidence":0.84814453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1411045789718628},{"word":"that's","start":1529.66,"end":1529.9,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21106213331222537},{"word":"consistently","start":1529.9,"end":1530.4,"confidence":1.0,"punctuated_word":"consistently","sentiment":"neutral","sentiment_score":0.19868174195289612},{"word":"going","start":1530.62,"end":1530.78,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2739030718803406},{"word":"into","start":1530.78,"end":1531.1001,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25955480337142944},{"word":"your","start":1531.1001,"end":1531.275,"confidence":0.82714844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2049888521432877},{"word":"commsec","start":1531.275,"end":1531.755,"confidence":0.81225586,"punctuated_word":"CommSec","sentiment":"neutral","sentiment_score":0.14128847420215607},{"word":"account","start":1531.755,"end":1532.255,"confidence":0.9428711,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.13444146513938904},{"word":"and","start":1532.3151,"end":1532.555,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07505452632904053},{"word":"for","start":1532.555,"end":1532.715,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06574933230876923},{"word":"the","start":1532.715,"end":1532.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07267811894416809},{"word":"rest","start":1532.875,"end":1533.035,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.06503407657146454},{"word":"of","start":1533.035,"end":1533.115,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07352709025144577},{"word":"it","start":1533.115,"end":1533.355,"confidence":1.0,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07847943156957626},{"word":"i'm","start":1533.355,"end":1533.595,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.101997047662735},{"word":"assuming","start":1533.595,"end":1533.995,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.0941423922777176},{"word":"we'll","start":1533.995,"end":1534.155,"confidence":0.9785156,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.07481775432825089},{"word":"kind","start":1534.155,"end":1534.395,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08110226690769196},{"word":"of","start":1534.395,"end":1534.475,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07429109513759613},{"word":"revisit","start":1534.475,"end":1534.875,"confidence":1.0,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.0856400728225708},{"word":"that","start":1534.875,"end":1535.035,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04344475641846657},{"word":"at","start":1535.035,"end":1535.115,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04735454171895981},{"word":"the","start":1535.115,"end":1535.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0803016871213913},{"word":"next","start":1535.275,"end":1535.515,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06335756182670593},{"word":"review","start":1535.515,"end":1535.915,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06078708916902542},{"word":"as","start":1535.915,"end":1536.0751,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0558919683098793},{"word":"well","start":1536.0751,"end":1536.395,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.08289381861686707},{"word":"to","start":1536.395,"end":1536.555,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08410154283046722},{"word":"kind","start":1536.555,"end":1536.715,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1045408770442009},{"word":"of","start":1536.715,"end":1536.9551,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10680358111858368},{"word":"see","start":1536.9551,"end":1537.435,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11438024044036864},{"word":"how","start":1537.435,"end":1537.675,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10178735852241516},{"word":"your","start":1537.675,"end":1537.8351,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14478415250778198},{"word":"cash","start":1537.8351,"end":1538.0751,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.09053321182727814},{"word":"flow","start":1538.0751,"end":1538.3151,"confidence":0.76660156,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.1851494014263153},{"word":"is","start":1538.3151,"end":1538.475,"confidence":0.6220703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15459641814231873},{"word":"settled","start":1538.475,"end":1538.795,"confidence":1.0,"punctuated_word":"settled","sentiment":"neutral","sentiment_score":0.15571768581867218},{"word":"in","start":1538.795,"end":1539.035,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12959323823451996},{"word":"as","start":1539.035,"end":1539.1951,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14572177827358246},{"word":"well","start":1539.1951,"end":1539.6951,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09876479208469392},{"word":"yeah","start":1549.8501,"end":1550.17,"confidence":0.9602051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09843991696834564},{"word":"absolutely","start":1550.17,"end":1550.67,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1674879640340805},{"word":"can","start":1551.29,"end":1551.4501,"confidence":0.8041992,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.08545832335948944},{"word":"i","start":1551.4501,"end":1551.61,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09882894158363342},{"word":"just","start":1551.61,"end":1551.6901,"confidence":0.8413086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0816514864563942},{"word":"quickly","start":1551.6901,"end":1551.93,"confidence":0.93847656,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.09242388606071472},{"word":"check","start":1551.93,"end":1552.0901,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1226975917816162},{"word":"with","start":1552.0901,"end":1552.17,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07105417549610138},{"word":"you","start":1552.17,"end":1552.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06082683056592941},{"word":"as","start":1552.41,"end":1552.49,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08285979926586151},{"word":"well","start":1552.49,"end":1552.65,"confidence":0.99194336,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.08747093379497528},{"word":"i","start":1552.65,"end":1552.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0999671220779419},{"word":"mean","start":1552.73,"end":1552.9701,"confidence":0.99658203,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.0959264487028122},{"word":"congratulations","start":1552.9701,"end":1553.4701,"confidence":0.99902344,"punctuated_word":"congratulations","sentiment":"positive","sentiment_score":0.39312857389450073},{"word":"on","start":1553.6901,"end":1553.8501,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3821464776992798},{"word":"the","start":1553.8501,"end":1553.93,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2738165259361267},{"word":"wedding","start":1553.93,"end":1554.25,"confidence":0.9248047,"punctuated_word":"wedding,","sentiment":"neutral","sentiment_score":0.2475371360778809},{"word":"but","start":1554.25,"end":1554.49,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11381319165229796},{"word":"do","start":1554.49,"end":1554.5701,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.043568700551986694},{"word":"we","start":1554.5701,"end":1554.73,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10346019268035889},{"word":"need","start":1554.73,"end":1554.89,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05742943286895752},{"word":"to","start":1554.89,"end":1555.05,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05824311077594757},{"word":"update","start":1555.05,"end":1555.4501,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09938888251781464},{"word":"your","start":1555.4501,"end":1555.9501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021744687110185623},{"word":"details","start":1556.355,"end":1556.835,"confidence":0.9506836,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.036321766674518585},{"word":"any","start":1556.835,"end":1557.155,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04651521146297455},{"word":"name","start":1557.155,"end":1557.475,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.016721319407224655},{"word":"changes","start":1557.475,"end":1557.795,"confidence":0.8125,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.03070218861103058},{"word":"or","start":1557.795,"end":1557.955,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02731386199593544},{"word":"anything","start":1557.955,"end":1558.275,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04114541783928871},{"word":"like","start":1558.275,"end":1558.4349,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0128096304833889},{"word":"that","start":1558.4349,"end":1558.675,"confidence":0.8640137,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06213431805372238},{"word":"or","start":1558.675,"end":1558.835,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0068687014281749725},{"word":"is","start":1558.835,"end":1558.995,"confidence":0.9472656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.020893141627311707},{"word":"that","start":1558.995,"end":1559.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00663719791918993},{"word":"down","start":1559.5549,"end":1559.795,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.009682325646281242},{"word":"the","start":1559.795,"end":1559.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0457613430917263},{"word":"line","start":1559.875,"end":1560.195,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":-0.043496523052453995},{"word":"potentially","start":1560.195,"end":1560.695,"confidence":0.90283203,"punctuated_word":"potentially?","sentiment":"neutral","sentiment_score":-0.03057238832116127},{"word":"perfect","start":1561.635,"end":1562.135,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1566293239593506},{"word":"alright","start":1562.355,"end":1562.855,"confidence":0.99560547,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.07662844657897949},{"word":"peachy","start":1566.4349,"end":1566.915,"confidence":0.9370117,"punctuated_word":"Peachy","sentiment":"neutral","sentiment_score":-0.053346507251262665},{"word":"is","start":1566.915,"end":1567.075,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02505400776863098},{"word":"a","start":1567.075,"end":1567.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02295181155204773},{"word":"great","start":1567.235,"end":1567.5549,"confidence":1.0,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.2509056329727173},{"word":"name","start":1567.5549,"end":1568.0549,"confidence":0.7919922,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.17549389600753784},{"word":"i'll","start":1568.29,"end":1568.61,"confidence":0.88842773,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08126672357320786},{"word":"put","start":1568.61,"end":1568.85,"confidence":0.9536133,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08012714982032776},{"word":"that","start":1568.85,"end":1569.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0973619595170021},{"word":"down","start":1569.01,"end":1569.33,"confidence":0.89624023,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.0783592015504837},{"word":"so","start":1569.33,"end":1569.57,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04747451096773147},{"word":"we'll","start":1569.57,"end":1569.65,"confidence":0.9819336,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.05364751070737839},{"word":"go","start":1569.65,"end":1569.97,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10298235714435576},{"word":"married","start":1569.97,"end":1570.29,"confidence":0.99121094,"punctuated_word":"married","sentiment":"neutral","sentiment_score":0.11699928343296052},{"word":"status","start":1570.29,"end":1570.77,"confidence":0.95214844,"punctuated_word":"status,","sentiment":"neutral","sentiment_score":0.07440473139286041},{"word":"but","start":1570.77,"end":1571.27,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0891260877251625},{"word":"peachy","start":1571.57,"end":1571.89,"confidence":0.7167969,"punctuated_word":"Peachy","sentiment":"neutral","sentiment_score":0.04981279373168945},{"word":"is","start":1571.89,"end":1572.05,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07562127709388733},{"word":"the","start":1572.05,"end":1572.21,"confidence":0.9135742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05071394890546799},{"word":"surname","start":1572.21,"end":1572.6901,"confidence":1.0,"punctuated_word":"surname","sentiment":"neutral","sentiment_score":0.056752800941467285},{"word":"to","start":1572.6901,"end":1572.93,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06681811064481735},{"word":"stay","start":1572.93,"end":1573.43,"confidence":0.7573242,"punctuated_word":"stay.","sentiment":"neutral","sentiment_score":0.0986436977982521},{"word":"and","start":1573.73,"end":1574.05,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.051023274660110474},{"word":"i'm","start":1574.05,"end":1574.29,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0540672168135643},{"word":"just","start":1574.29,"end":1574.53,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07583023607730865},{"word":"gonna","start":1574.53,"end":1574.6901,"confidence":0.96777344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06046023964881897},{"word":"put","start":1574.6901,"end":1574.93,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05787286162376404},{"word":"that","start":1574.93,"end":1575.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06980836391448975},{"word":"in","start":1575.09,"end":1575.33,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.062342919409275055},{"word":"as","start":1575.33,"end":1575.49,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06530705094337463},{"word":"maiden","start":1575.49,"end":1575.73,"confidence":0.9951172,"punctuated_word":"maiden","sentiment":"neutral","sentiment_score":0.043038975447416306},{"word":"name","start":1575.73,"end":1575.89,"confidence":0.9633789,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.028496596962213516},{"word":"as","start":1575.89,"end":1576.05,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07028892636299133},{"word":"well","start":1576.05,"end":1576.21,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0763777643442154},{"word":"so","start":1576.21,"end":1576.37,"confidence":0.7529297,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.012440726161003113},{"word":"no","start":1576.37,"end":1576.53,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.060540370643138885},{"word":"one","start":1576.53,"end":1576.6901,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.12109525501728058},{"word":"assumes","start":1576.6901,"end":1577.1901,"confidence":0.99609375,"punctuated_word":"assumes.","sentiment":"neutral","sentiment_score":-0.038353413343429565},{"word":"and","start":1579.01,"end":1579.25,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015373777598142624},{"word":"just","start":1579.25,"end":1579.41,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017264749854803085},{"word":"to","start":1579.41,"end":1579.57,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01456555537879467},{"word":"double","start":1579.57,"end":1579.89,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.02126937359571457},{"word":"check","start":1579.89,"end":1580.21,"confidence":0.9790039,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":0.01969345100224018},{"word":"is","start":1580.21,"end":1580.45,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.011042550206184387},{"word":"that","start":1580.45,"end":1580.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026121189817786217},{"word":"to","start":1580.77,"end":1581.09,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01141047105193138},{"word":"theodore","start":1581.09,"end":1581.59,"confidence":0.9909668,"punctuated_word":"Theodore?","sentiment":"neutral","sentiment_score":0.00777318375185132},{"word":"oh","start":1587.275,"end":1587.435,"confidence":0.8820801,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0005933437496423721},{"word":"sorry","start":1587.435,"end":1587.755,"confidence":0.96777344,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.003147399052977562},{"word":"simone","start":1587.755,"end":1587.995,"confidence":0.86572266,"punctuated_word":"Simone.","sentiment":"neutral","sentiment_score":0.00012006983160972597},{"word":"are","start":1587.995,"end":1588.0751,"confidence":0.6015625,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.005211770534515381},{"word":"you","start":1588.0751,"end":1588.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00036595016717910767},{"word":"still","start":1588.235,"end":1588.395,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.014423839747905731},{"word":"there","start":1588.395,"end":1588.895,"confidence":1.0,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.019402097910642624},{"word":"oh","start":1592.0751,"end":1592.555,"confidence":0.9445801,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1254378706216812},{"word":"i","start":1592.555,"end":1593.035,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24514871835708615},{"word":"just","start":1593.035,"end":1593.275,"confidence":0.7319336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2877281606197357},{"word":"lost","start":1593.275,"end":1593.515,"confidence":1.0,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.26138365268707275},{"word":"you","start":1593.515,"end":1593.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2603414058685303},{"word":"for","start":1593.675,"end":1593.835,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.27300411462783813},{"word":"a","start":1593.835,"end":1593.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32536712288856506},{"word":"few","start":1593.915,"end":1594.0751,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.299921452999115},{"word":"seconds","start":1594.0751,"end":1594.395,"confidence":1.0,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.3143102526664734},{"word":"can","start":1594.395,"end":1594.555,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.1100727766752243},{"word":"you","start":1594.555,"end":1594.715,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10622268915176392},{"word":"hear","start":1594.715,"end":1594.875,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.13119441270828247},{"word":"me","start":1594.875,"end":1595.035,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1204383671283722},{"word":"okay","start":1595.035,"end":1595.52,"confidence":0.9975586,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.08496541529893875},{"word":"yes","start":1596.56,"end":1596.96,"confidence":0.9655762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.006040221080183983},{"word":"i'm","start":1596.96,"end":1597.28,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01399220060557127},{"word":"back","start":1597.28,"end":1597.6,"confidence":1.0,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.019821135327219963},{"word":"sorry","start":1597.6,"end":1598.0,"confidence":0.9658203,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.13333800435066223},{"word":"about","start":1598.0,"end":1598.4,"confidence":0.8803711,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.15816530585289},{"word":"seven","start":1598.4,"end":1598.72,"confidence":0.9970703,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.1424485146999359},{"word":"seconds","start":1598.72,"end":1598.96,"confidence":1.0,"punctuated_word":"seconds","sentiment":"neutral","sentiment_score":-0.20463474094867704},{"word":"have","start":1598.96,"end":1599.12,"confidence":0.85839844,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18112055957317352},{"word":"cut","start":1599.12,"end":1599.36,"confidence":0.9980469,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.21304234862327576},{"word":"out","start":1599.36,"end":1599.52,"confidence":0.96240234,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.19626563787460327},{"word":"there","start":1599.52,"end":1600.0,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1534188985824585},{"word":"i","start":1600.0,"end":1600.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13728022575378418},{"word":"do","start":1600.16,"end":1600.3201,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09074784070253372},{"word":"apologize","start":1600.3201,"end":1600.8201,"confidence":1.0,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.13243970274925232},{"word":"i","start":1603.36,"end":1603.52,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003775294870138168},{"word":"was","start":1603.52,"end":1603.68,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0056829676032066345},{"word":"just","start":1603.68,"end":1603.84,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010425440967082976},{"word":"double","start":1603.84,"end":1604.0801,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.0365058109164238},{"word":"checking","start":1604.0801,"end":1604.3201,"confidence":1.0,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.03810513019561768},{"word":"because","start":1604.3201,"end":1604.64,"confidence":0.9404297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03390156105160713},{"word":"theodore","start":1604.64,"end":1604.96,"confidence":0.99316406,"punctuated_word":"Theodore","sentiment":"neutral","sentiment_score":0.048463694751262665},{"word":"was","start":1604.96,"end":1605.12,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03621962293982506},{"word":"listed","start":1605.12,"end":1605.4401,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.05558212101459503},{"word":"as","start":1605.4401,"end":1605.6,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05604967102408409},{"word":"your","start":1605.6,"end":1605.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03019026294350624},{"word":"next","start":1605.76,"end":1606.0,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.014430459588766098},{"word":"of","start":1606.0,"end":1606.24,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.032661598175764084},{"word":"kin","start":1606.24,"end":1606.48,"confidence":0.99902344,"punctuated_word":"kin","sentiment":"neutral","sentiment_score":0.007160753011703491},{"word":"and","start":1606.48,"end":1606.72,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014099355787038805},{"word":"emergency","start":1606.72,"end":1607.22,"confidence":1.0,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.0028776749968528748},{"word":"contact","start":1607.4401,"end":1607.9401,"confidence":0.75683594,"punctuated_word":"contact,","sentiment":"neutral","sentiment_score":0.02107224427163601},{"word":"and","start":1610.115,"end":1610.355,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.002625424414873123},{"word":"i'm","start":1610.355,"end":1610.5149,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00007110461592674255},{"word":"assuming","start":1610.5149,"end":1611.0149,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":-0.010328156873583794},{"word":"that","start":1611.475,"end":1611.715,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.001829095184803009},{"word":"is","start":1611.715,"end":1611.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01717003807425499},{"word":"your","start":1611.955,"end":1612.195,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.021634697914123535},{"word":"partner","start":1612.195,"end":1612.595,"confidence":0.9321289,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":-0.02775694988667965},{"word":"not","start":1612.595,"end":1612.835,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06743647158145905},{"word":"like","start":1612.835,"end":1613.235,"confidence":0.72216797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09787189215421677},{"word":"a","start":1613.235,"end":1613.475,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.093900665640831},{"word":"friend","start":1613.475,"end":1613.975,"confidence":0.87109375,"punctuated_word":"friend.","sentiment":"neutral","sentiment_score":-0.09095066785812378},{"word":"yes","start":1618.195,"end":1618.695,"confidence":0.79296875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.048342712223529816},{"word":"yep","start":1621.09,"end":1621.49,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20918075740337372},{"word":"perfect","start":1621.49,"end":1621.99,"confidence":0.9880371,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5318955183029175},{"word":"just","start":1622.9299,"end":1623.25,"confidence":0.79248047,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1844370663166046},{"word":"didn't","start":1623.25,"end":1623.4099,"confidence":0.7384033,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.13646136224269867},{"word":"wanna","start":1623.4099,"end":1623.73,"confidence":0.50390625,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.02316676452755928},{"word":"assume","start":1623.73,"end":1624.0499,"confidence":0.99902344,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":-0.07518965750932693},{"word":"that","start":1624.0499,"end":1624.2899,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.046499744057655334},{"word":"your","start":1624.2899,"end":1624.5299,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01254931092262268},{"word":"next","start":1624.5299,"end":1624.77,"confidence":0.98535156,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.023240789771080017},{"word":"of","start":1624.77,"end":1624.9299,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04140956699848175},{"word":"kin","start":1624.9299,"end":1625.25,"confidence":0.99902344,"punctuated_word":"kin","sentiment":"neutral","sentiment_score":-0.003650147467851639},{"word":"from","start":1625.25,"end":1625.49,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.010305821895599363},{"word":"original","start":1625.49,"end":1625.99,"confidence":0.98828125,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.0018316805362701416},{"word":"wasn't","start":1626.37,"end":1626.77,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.00963097345083952},{"word":"somebody","start":1626.77,"end":1627.1699,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":-0.05313187837600708},{"word":"else","start":1627.1699,"end":1627.6699,"confidence":0.9980469,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.03518436476588249},{"word":"we've","start":1629.89,"end":1630.21,"confidence":0.96362305,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.054783910512924194},{"word":"got","start":1630.21,"end":1630.71,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05624358728528023},{"word":"no","start":1631.6499,"end":1631.89,"confidence":0.9951172,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.014156460762023926},{"word":"changes","start":1631.89,"end":1632.37,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.07091726362705231},{"word":"to","start":1632.37,"end":1632.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01755313202738762},{"word":"your","start":1632.61,"end":1633.11,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009573768824338911},{"word":"address","start":1633.1699,"end":1633.6699,"confidence":0.99658203,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":-0.000677967444062233},{"word":"email","start":1634.8551,"end":1635.3551,"confidence":0.9824219,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":-0.005081821233034134},{"word":"or","start":1636.2151,"end":1636.6951,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009969811886548996},{"word":"phone","start":1636.6951,"end":1637.015,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.008650664240121841},{"word":"number","start":1637.015,"end":1637.515,"confidence":0.9970703,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.01523936353623867},{"word":"you","start":1638.2151,"end":1638.375,"confidence":0.8828125,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.013169880956411362},{"word":"mentioned","start":1638.375,"end":1638.775,"confidence":0.98535156,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.005917087197303772},{"word":"before","start":1638.775,"end":1639.255,"confidence":0.9921875,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.012308437377214432},{"word":"kindergarten","start":1639.255,"end":1639.755,"confidence":0.9375,"punctuated_word":"kindergarten","sentiment":"neutral","sentiment_score":-0.012168876826763151},{"word":"before","start":1639.895,"end":1640.295,"confidence":0.9838867,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.015298673883080482},{"word":"and","start":1640.295,"end":1640.535,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01722538471221924},{"word":"i","start":1640.535,"end":1640.6951,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015582669526338576},{"word":"think","start":1640.6951,"end":1640.8551,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.008220408111810684},{"word":"we","start":1640.8551,"end":1641.0951,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0023695901036262512},{"word":"had","start":1641.0951,"end":1641.255,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.005390431731939316},{"word":"you","start":1641.255,"end":1641.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010014906525611876},{"word":"as","start":1641.495,"end":1641.655,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.00852220132946968},{"word":"a","start":1641.655,"end":1641.735,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00882832333445549},{"word":"bit","start":1641.735,"end":1641.895,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.016046028584241867},{"word":"of","start":1641.895,"end":1641.9751,"confidence":0.88500977,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.027551330626010895},{"word":"like","start":1641.9751,"end":1642.2151,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03242434561252594},{"word":"a","start":1642.2151,"end":1642.295,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02280158549547195},{"word":"primary","start":1642.295,"end":1642.795,"confidence":1.0,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.02330361306667328},{"word":"teacher","start":1642.935,"end":1643.435,"confidence":0.9946289,"punctuated_word":"teacher.","sentiment":"neutral","sentiment_score":-0.02087358757853508},{"word":"did","start":1643.5751,"end":1643.8151,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.04944116622209549},{"word":"you","start":1643.8151,"end":1643.9751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05071741342544556},{"word":"have","start":1643.9751,"end":1644.135,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.057451654225587845},{"word":"much","start":1644.135,"end":1644.375,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.039830610156059265},{"word":"of","start":1644.375,"end":1644.4551,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08605242520570755},{"word":"an","start":1644.4551,"end":1644.9551,"confidence":0.9873047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0997142642736435},{"word":"income","start":1645.0951,"end":1645.5751,"confidence":0.96777344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.14050796627998352},{"word":"change","start":1645.5751,"end":1645.895,"confidence":0.89404297,"punctuated_word":"change?","sentiment":"neutral","sentiment_score":-0.11207890510559082},{"word":"because","start":1645.895,"end":1646.135,"confidence":0.98095703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.107599139213562},{"word":"there","start":1646.135,"end":1646.295,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1484479457139969},{"word":"was","start":1646.295,"end":1646.535,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18275125324726105},{"word":"a","start":1646.535,"end":1646.6951,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16232067346572876},{"word":"potential","start":1646.6951,"end":1647.1951,"confidence":1.0,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":-0.2621385157108307},{"word":"drop","start":1647.415,"end":1647.735,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1761784553527832},{"word":"on","start":1647.735,"end":1647.895,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.25208622217178345},{"word":"the","start":1647.895,"end":1648.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.253605455160141},{"word":"cards","start":1648.135,"end":1648.635,"confidence":0.99902344,"punctuated_word":"cards","sentiment":"neutral","sentiment_score":-0.26186347007751465},{"word":"from","start":1649.05,"end":1649.29,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.2166420221328735},{"word":"your","start":1649.29,"end":1649.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.13946320116519928},{"word":"last","start":1649.37,"end":1649.85,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.1273992657661438},{"word":"review","start":1649.85,"end":1650.35,"confidence":0.9946289,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":-0.1649412363767624},{"word":"i'm","start":1650.97,"end":1651.13,"confidence":0.8444824,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08855204284191132},{"word":"wondering","start":1651.13,"end":1651.4501,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.0840827077627182},{"word":"if","start":1651.4501,"end":1651.53,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09940673410892488},{"word":"that","start":1651.53,"end":1652.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07511980831623077},{"word":"uh-huh","start":1657.61,"end":1657.86,"confidence":0.9050781,"punctuated_word":"uh-huh.","sentiment":"neutral","sentiment_score":-0.21355843544006348},{"word":"okay","start":1657.86,"end":1658.36,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.1177934557199478},{"word":"k","start":1662.185,"end":1662.505,"confidence":0.91552734,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.007424937561154365},{"word":"do","start":1662.505,"end":1662.665,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.005608856678009033},{"word":"you","start":1662.665,"end":1662.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0013578906655311584},{"word":"know","start":1662.745,"end":1662.905,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0054984502494335175},{"word":"what","start":1662.905,"end":1663.225,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01776806265115738},{"word":"your","start":1663.225,"end":1663.545,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02000618353486061},{"word":"annual","start":1663.545,"end":1663.865,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.03026799112558365},{"word":"income","start":1663.865,"end":1664.185,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.007212646305561066},{"word":"is","start":1664.185,"end":1664.345,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00777115672826767},{"word":"gonna","start":1664.345,"end":1664.5851,"confidence":0.9086914,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03547739237546921},{"word":"look","start":1664.5851,"end":1664.745,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02263103425502777},{"word":"like","start":1664.745,"end":1664.985,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.024006463587284088},{"word":"for","start":1664.985,"end":1665.225,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.028278250247240067},{"word":"the","start":1665.225,"end":1665.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031015679240226746},{"word":"financial","start":1665.545,"end":1665.9451,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.022588171064853668},{"word":"year","start":1665.9451,"end":1666.185,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.01865975558757782},{"word":"when","start":1666.185,"end":1666.265,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03609480708837509},{"word":"you","start":1666.265,"end":1666.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03141140937805176},{"word":"do","start":1666.345,"end":1666.505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03629792854189873},{"word":"your","start":1666.505,"end":1666.745,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03760114312171936},{"word":"tax","start":1666.745,"end":1666.985,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06570413708686829},{"word":"return","start":1666.985,"end":1667.485,"confidence":0.9995117,"punctuated_word":"return?","sentiment":"neutral","sentiment_score":0.011266188696026802},{"word":"perfect","start":1679.64,"end":1679.9601,"confidence":0.9345703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.449288547039032},{"word":"so","start":1679.9601,"end":1680.12,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2536025643348694},{"word":"that","start":1680.12,"end":1680.36,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2857556641101837},{"word":"$1.40","start":1680.36,"end":1681.0801,"confidence":0.99609375,"punctuated_word":"$1.40,","sentiment":"neutral","sentiment_score":0.23186279833316803},{"word":"i","start":1681.0801,"end":1681.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22043226659297943},{"word":"can","start":1681.24,"end":1681.4801,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18858854472637177},{"word":"kind","start":1681.4801,"end":1681.64,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1692228615283966},{"word":"of","start":1681.64,"end":1681.7201,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19641590118408203},{"word":"leave","start":1681.7201,"end":1681.9601,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.20282495021820068},{"word":"it","start":1681.9601,"end":1682.12,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2093513011932373},{"word":"there","start":1682.12,"end":1682.36,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23116561770439148},{"word":"for","start":1682.36,"end":1682.52,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2058664858341217},{"word":"the","start":1682.52,"end":1682.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18820354342460632},{"word":"time","start":1682.68,"end":1682.92,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.206633061170578},{"word":"being","start":1682.92,"end":1683.42,"confidence":0.99560547,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.19301795959472656},{"word":"perfect","start":1686.4551,"end":1686.9551,"confidence":0.9941406,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4359382688999176},{"word":"and","start":1687.415,"end":1687.915,"confidence":0.9406738,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.17774198949337006},{"word":"actually","start":1688.2151,"end":1688.6151,"confidence":0.7766113,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.1844683438539505},{"word":"last","start":1688.6151,"end":1688.775,"confidence":0.9301758,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.12074962258338928},{"word":"thing","start":1688.775,"end":1688.935,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12771761417388916},{"word":"i","start":1688.935,"end":1689.015,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07240265607833862},{"word":"wanted","start":1689.015,"end":1689.255,"confidence":0.9038086,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05498185753822327},{"word":"to","start":1689.255,"end":1689.3351,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06416675448417664},{"word":"check","start":1689.3351,"end":1689.4951,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08232289552688599},{"word":"with","start":1689.4951,"end":1689.5751,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05894260108470917},{"word":"you","start":1689.5751,"end":1689.7351,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09622624516487122},{"word":"on","start":1689.7351,"end":1689.895,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1030825972557068},{"word":"the","start":1689.895,"end":1690.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13466940820217133},{"word":"details","start":1690.055,"end":1690.4551,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.09692583233118056},{"word":"was","start":1690.4551,"end":1690.6951,"confidence":0.96533203,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08613777160644531},{"word":"did","start":1690.6951,"end":1690.8551,"confidence":0.60498047,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06002010777592659},{"word":"you","start":1690.8551,"end":1690.935,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05648598074913025},{"word":"end","start":1690.935,"end":1691.015,"confidence":0.52246094,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05842120945453644},{"word":"up","start":1691.015,"end":1691.175,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.048840828239917755},{"word":"putting","start":1691.175,"end":1691.415,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.06403938680887222},{"word":"in","start":1691.415,"end":1691.5751,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.056803248822689056},{"word":"place","start":1691.5751,"end":1691.8151,"confidence":0.8330078,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.07832225412130356},{"word":"like","start":1691.8151,"end":1691.9751,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08556462079286575},{"word":"a","start":1691.9751,"end":1692.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08935170620679855},{"word":"will","start":1692.135,"end":1692.4551,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09847871959209442},{"word":"or","start":1692.4551,"end":1692.6151,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.032907694578170776},{"word":"a","start":1692.6151,"end":1692.6951,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.037569426000118256},{"word":"power","start":1692.6951,"end":1692.935,"confidence":1.0,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.07777927070856094},{"word":"of","start":1692.935,"end":1693.175,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.054246075451374054},{"word":"attorney","start":1693.175,"end":1693.4951,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.06406383961439133},{"word":"for","start":1693.4951,"end":1693.7351,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042871519923210144},{"word":"estate","start":1693.7351,"end":1694.055,"confidence":0.8457031,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.061728425323963165},{"word":"planning","start":1694.055,"end":1694.555,"confidence":0.99316406,"punctuated_word":"planning?","sentiment":"neutral","sentiment_score":0.07413788139820099},{"word":"i","start":1699.59,"end":1699.83,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040167029947042465},{"word":"know","start":1699.83,"end":1700.1499,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04355549067258835},{"word":"that","start":1700.1499,"end":1700.6499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04044504463672638},{"word":"in","start":1700.95,"end":1701.11,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02820514887571335},{"word":"your","start":1701.11,"end":1701.61,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023134224116802216},{"word":"state","start":1701.6699,"end":1702.07,"confidence":0.9902344,"punctuated_word":"state,","sentiment":"neutral","sentiment_score":0.06203676760196686},{"word":"if","start":1702.07,"end":1702.3099,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10161276161670683},{"word":"it's","start":1702.3099,"end":1702.63,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08147142827510834},{"word":"helpful","start":1702.63,"end":1703.13,"confidence":0.9536133,"punctuated_word":"helpful,","sentiment":"neutral","sentiment_score":0.05899053066968918},{"word":"besides","start":1703.6699,"end":1704.07,"confidence":0.9980469,"punctuated_word":"besides","sentiment":"neutral","sentiment_score":0.014241088181734083},{"word":"obviously","start":1704.07,"end":1704.3899,"confidence":0.6738281,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.04278699681162834},{"word":"going","start":1704.3899,"end":1704.63,"confidence":0.9506836,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06367798149585724},{"word":"to","start":1704.63,"end":1704.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05780706554651261},{"word":"a","start":1704.71,"end":1704.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.060850951820611954},{"word":"lawyer","start":1704.87,"end":1705.2699,"confidence":0.9980469,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":0.04567591100931168},{"word":"you","start":1705.2699,"end":1705.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06872698664665222},{"word":"can","start":1705.51,"end":1705.6699,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08178962022066116},{"word":"actually","start":1705.6699,"end":1706.07,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.09501221776008606},{"word":"go","start":1706.07,"end":1706.3899,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.048771195113658905},{"word":"to","start":1706.3899,"end":1706.7899,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06168355047702789},{"word":"the","start":1706.7899,"end":1707.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047409895807504654},{"word":"public","start":1707.11,"end":1707.4299,"confidence":0.9970703,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.0852169394493103},{"word":"trustee","start":1707.4299,"end":1707.9099,"confidence":0.9980469,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":0.06794916838407516},{"word":"of","start":1707.9099,"end":1708.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06631357967853546},{"word":"the","start":1708.07,"end":1708.23,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051247332245111465},{"word":"state","start":1708.23,"end":1708.63,"confidence":0.94677734,"punctuated_word":"state,","sentiment":"neutral","sentiment_score":0.07628975063562393},{"word":"kinda","start":1708.63,"end":1708.95,"confidence":0.71435547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07462377846240997},{"word":"like","start":1708.95,"end":1709.11,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.096072718501091},{"word":"the","start":1709.11,"end":1709.2699,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09791174530982973},{"word":"courthouse","start":1709.2699,"end":1709.6699,"confidence":0.9772949,"punctuated_word":"courthouse.","sentiment":"neutral","sentiment_score":0.07637440413236618},{"word":"they","start":1709.6699,"end":1709.83,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.11900831758975984},{"word":"do","start":1709.83,"end":1710.07,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1199134886264801},{"word":"wills","start":1710.07,"end":1710.3099,"confidence":0.9970703,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.12410411238670348},{"word":"and","start":1710.3099,"end":1710.47,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12237583100795746},{"word":"power","start":1710.47,"end":1710.71,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.15567022562026978},{"word":"of","start":1710.71,"end":1710.7899,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14297419786453247},{"word":"attorneys","start":1710.7899,"end":1711.2899,"confidence":0.99609375,"punctuated_word":"attorneys","sentiment":"neutral","sentiment_score":0.06740956008434296},{"word":"as","start":1711.35,"end":1711.4299,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12368805706501008},{"word":"well","start":1711.4299,"end":1711.9299,"confidence":0.9880371,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10333029180765152},{"word":"and","start":1713.395,"end":1713.715,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0887269526720047},{"word":"i","start":1713.715,"end":1713.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06859263777732849},{"word":"know","start":1713.875,"end":1714.275,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05754450708627701},{"word":"i","start":1714.835,"end":1714.995,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05441844463348389},{"word":"don't","start":1714.995,"end":1715.155,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.017851974815130234},{"word":"know","start":1715.155,"end":1715.315,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.012279404327273369},{"word":"who","start":1715.315,"end":1715.5549,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.020152393728494644},{"word":"it's","start":1715.5549,"end":1715.7949,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.040841005742549896},{"word":"through","start":1715.7949,"end":1716.035,"confidence":0.99560547,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.04638001322746277},{"word":"but","start":1716.035,"end":1716.275,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0670744851231575},{"word":"a","start":1716.275,"end":1716.355,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10115168243646622},{"word":"lot","start":1716.355,"end":1716.515,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1309562772512436},{"word":"of","start":1716.515,"end":1716.595,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10535641014575958},{"word":"the","start":1716.595,"end":1716.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11461742967367172},{"word":"teachers","start":1716.755,"end":1717.235,"confidence":0.9980469,"punctuated_word":"teachers","sentiment":"neutral","sentiment_score":0.06405538320541382},{"word":"or","start":1717.235,"end":1717.475,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13304518163204193},{"word":"teachers'","start":1717.475,"end":1717.955,"confidence":0.71777344,"punctuated_word":"teachers'","sentiment":"neutral","sentiment_score":0.07360753417015076},{"word":"unions","start":1717.955,"end":1718.4349,"confidence":0.99902344,"punctuated_word":"unions","sentiment":"neutral","sentiment_score":0.10442507266998292},{"word":"tend","start":1718.4349,"end":1718.6749,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.1547453999519348},{"word":"to","start":1718.6749,"end":1719.1749,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13299018144607544},{"word":"offer","start":1719.475,"end":1719.875,"confidence":1.0,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":0.12038427591323853},{"word":"estate","start":1719.875,"end":1720.275,"confidence":0.52734375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.08302228152751923},{"word":"services","start":1720.275,"end":1720.775,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.09743579477071762},{"word":"as","start":1720.835,"end":1720.995,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1469498872756958},{"word":"well","start":1720.995,"end":1721.475,"confidence":0.88916016,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11680447310209274},{"word":"and","start":1721.475,"end":1721.635,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0955311730504036},{"word":"there's","start":1721.635,"end":1721.955,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11622796952724455},{"word":"even","start":1721.955,"end":1722.455,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.12640930712223053},{"word":"will","start":1723.315,"end":1723.5549,"confidence":0.6772461,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1506008356809616},{"word":"kits","start":1723.5549,"end":1723.7949,"confidence":0.9892578,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.15391552448272705},{"word":"from","start":1723.7949,"end":1723.955,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19397960603237152},{"word":"the","start":1723.955,"end":1724.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1863025724887848},{"word":"post","start":1724.115,"end":1724.355,"confidence":0.99609375,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.14793474972248075},{"word":"office","start":1724.355,"end":1724.6749,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.10895104706287384},{"word":"for","start":1724.6749,"end":1724.835,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1825125813484192},{"word":"about","start":1724.835,"end":1725.075,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18171381950378415},{"word":"$25","start":1725.075,"end":1725.955,"confidence":0.95910645,"punctuated_word":"$25,","sentiment":"neutral","sentiment_score":0.19233524799346924},{"word":"which","start":1725.955,"end":1726.195,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2098183631896973},{"word":"are","start":1726.195,"end":1726.355,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14912749826908112},{"word":"quite","start":1726.355,"end":1726.595,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.19342438876628876},{"word":"basic","start":1726.595,"end":1727.095,"confidence":0.9350586,"punctuated_word":"basic,","sentiment":"neutral","sentiment_score":0.16022470593452454},{"word":"but","start":1727.5099,"end":1727.99,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1393783837556839},{"word":"they're","start":1727.99,"end":1728.23,"confidence":0.87646484,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.5730561017990112},{"word":"good","start":1728.23,"end":1728.47,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.49736058712005615},{"word":"if","start":1728.47,"end":1728.6299,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5796991586685181},{"word":"it's","start":1728.6299,"end":1728.7899,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5572148561477661},{"word":"just","start":1728.7899,"end":1729.0299,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4865907728672027},{"word":"a","start":1729.0299,"end":1729.11,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5309857130050659},{"word":"mortgage","start":1729.11,"end":1729.4299,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"positive","sentiment_score":0.5983295440673828},{"word":"and","start":1729.4299,"end":1729.6699,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5434608459472656},{"word":"some","start":1729.6699,"end":1729.83,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5607301592826843},{"word":"savings","start":1729.83,"end":1730.33,"confidence":0.9909668,"punctuated_word":"savings.","sentiment":"positive","sentiment_score":0.4379042387008667},{"word":"i","start":1732.95,"end":1733.11,"confidence":0.87841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1284421682357788},{"word":"did","start":1733.11,"end":1733.2699,"confidence":0.98291016,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1126745194196701},{"word":"wanna","start":1733.2699,"end":1733.5099,"confidence":0.8330078,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12416606396436693},{"word":"ask","start":1733.5099,"end":1733.6699,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10383346676826476},{"word":"you","start":1733.6699,"end":1733.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09802909195423126},{"word":"about","start":1733.83,"end":1734.07,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07375279814004898},{"word":"the","start":1734.07,"end":1734.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08623645454645157},{"word":"beneficiaries","start":1734.3099,"end":1734.8099,"confidence":1.0,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.12281221151351927},{"word":"for","start":1735.0299,"end":1735.19,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09965947270393372},{"word":"the","start":1735.19,"end":1735.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11728299409151076},{"word":"super","start":1735.4299,"end":1735.9299,"confidence":0.9255371,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.12994639575481415},{"word":"whether","start":1736.1499,"end":1736.47,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.08754725754261017},{"word":"you","start":1736.47,"end":1736.6299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06261258572340012},{"word":"wanted","start":1736.6299,"end":1736.95,"confidence":0.9951172,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.05078832805156708},{"word":"to","start":1736.95,"end":1737.11,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07195205241441727},{"word":"still","start":1737.11,"end":1737.4299,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06460437178611755},{"word":"list","start":1737.4299,"end":1737.83,"confidence":1.0,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.07789076864719391},{"word":"anybody","start":1737.83,"end":1738.33,"confidence":1.0,"punctuated_word":"anybody","sentiment":"neutral","sentiment_score":0.0970020592212677},{"word":"on","start":1738.3899,"end":1738.6299,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.057075053453445435},{"word":"there","start":1738.6299,"end":1739.1299,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06820569932460785},{"word":"for","start":1739.4299,"end":1739.83,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06888766586780548},{"word":"who","start":1739.83,"end":1740.1499,"confidence":0.9980469,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.07935266941785812},{"word":"the","start":1740.1499,"end":1740.3099,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07459298521280289},{"word":"super","start":1740.3099,"end":1740.6299,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12176568806171416},{"word":"goes","start":1740.6299,"end":1740.87,"confidence":0.9980469,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.08096303045749664},{"word":"to","start":1740.87,"end":1741.305,"confidence":0.9255371,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.07063683122396469},{"word":"no","start":1745.385,"end":1745.7051,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11858176440000534},{"word":"it's","start":1745.7051,"end":1746.185,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11479514092206956},{"word":"it's","start":1746.185,"end":1746.665,"confidence":0.91625977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13483917713165283},{"word":"left","start":1746.665,"end":1746.905,"confidence":0.9980469,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.16047947108745575},{"word":"blank","start":1746.905,"end":1747.2251,"confidence":1.0,"punctuated_word":"blank","sentiment":"neutral","sentiment_score":-0.15998657047748566},{"word":"at","start":1747.2251,"end":1747.385,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22514837980270383},{"word":"the","start":1747.385,"end":1747.4651,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22239360213279724},{"word":"moment","start":1747.4651,"end":1747.7051,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.18372103571891785},{"word":"i","start":1747.7051,"end":1747.8651,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08729768544435501},{"word":"wanted","start":1747.8651,"end":1748.1051,"confidence":0.44873047,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.07520341128110886},{"word":"to","start":1748.1051,"end":1748.185,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0624743178486824},{"word":"just","start":1748.185,"end":1748.3451,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.054935913532972336},{"word":"quickly","start":1748.3451,"end":1748.665,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.043060965836048126},{"word":"check","start":1748.665,"end":1749.165,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.04390584304928779},{"word":"with","start":1749.2251,"end":1749.4651,"confidence":0.91845703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.21925540268421173},{"word":"you","start":1749.4651,"end":1749.625,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3285880982875824},{"word":"what","start":1749.625,"end":1749.785,"confidence":0.70996094,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.368629515171051},{"word":"end","start":1749.785,"end":1750.025,"confidence":0.7529297,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.21208801865577695},{"word":"up","start":1750.025,"end":1750.525,"confidence":0.7355957,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.15763439238071442},{"word":"that's","start":1755.48,"end":1755.7999,"confidence":0.98535156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06609855592250824},{"word":"a","start":1755.7999,"end":1755.96,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07674485445022583},{"word":"common","start":1755.96,"end":1756.36,"confidence":0.9941406,"punctuated_word":"common","sentiment":"neutral","sentiment_score":-0.0996585339307785},{"word":"occurrence","start":1756.36,"end":1756.7599,"confidence":0.63134766,"punctuated_word":"occurrence.","sentiment":"neutral","sentiment_score":-0.12352889776229858},{"word":"it's","start":1756.7599,"end":1756.9199,"confidence":0.75878906,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.091164693236351},{"word":"a","start":1756.9199,"end":1757.08,"confidence":0.48388672,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07488009333610535},{"word":"guy","start":1757.08,"end":1757.5599,"confidence":0.74487305,"punctuated_word":"guy.","sentiment":"neutral","sentiment_score":-0.07960837334394455},{"word":"yep","start":1757.5599,"end":1758.0599,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03390450403094292},{"word":"yeah","start":1764.2,"end":1764.7,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010497214272618294},{"word":"financial","start":1771.255,"end":1771.755,"confidence":0.93847656,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":-0.008255485445261002},{"word":"dependent","start":1771.815,"end":1772.315,"confidence":0.94433594,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":-0.0006683729588985443},{"word":"yeah","start":1772.455,"end":1772.7749,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0004182737320661545},{"word":"so","start":1772.7749,"end":1773.1749,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0002003256231546402},{"word":"partner","start":1773.1749,"end":1773.6749,"confidence":0.9655762,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":-0.0023149391636252403},{"word":"child","start":1774.0549,"end":1774.5549,"confidence":0.98217773,"punctuated_word":"child,","sentiment":"neutral","sentiment_score":0.004585685208439827},{"word":"interdependency","start":1774.615,"end":1775.115,"confidence":0.9973958,"punctuated_word":"interdependency","sentiment":"neutral","sentiment_score":-0.0008648820221424103},{"word":"relationship","start":1775.495,"end":1775.995,"confidence":0.67529297,"punctuated_word":"relationship","sentiment":"neutral","sentiment_score":-0.005225680768489838},{"word":"are","start":1776.0549,"end":1776.215,"confidence":0.95410156,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0021310709416866302},{"word":"the","start":1776.215,"end":1776.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00595344603061676},{"word":"three","start":1776.375,"end":1776.615,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.007872005924582481},{"word":"main","start":1776.615,"end":1776.855,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.007111068814992905},{"word":"ones","start":1776.855,"end":1777.355,"confidence":0.9980469,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":-0.010845614597201347},{"word":"yeah","start":1780.37,"end":1780.87,"confidence":0.8083496,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02283652499318123},{"word":"if","start":1781.41,"end":1781.65,"confidence":0.90234375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06560829281806946},{"word":"you","start":1781.65,"end":1781.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05634959787130356},{"word":"want","start":1781.81,"end":1782.31,"confidence":0.9692383,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.0679507851600647},{"word":"if","start":1782.4501,"end":1782.61,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09521988034248352},{"word":"it's","start":1782.61,"end":1782.85,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09658120572566986},{"word":"easier","start":1782.85,"end":1783.35,"confidence":0.99853516,"punctuated_word":"easier,","sentiment":"neutral","sentiment_score":0.09947732090950012},{"word":"we","start":1783.41,"end":1783.65,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1115151345729828},{"word":"can","start":1783.65,"end":1784.05,"confidence":0.98217773,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.10864628851413728},{"word":"like","start":1784.05,"end":1784.4501,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1120745614171028},{"word":"email","start":1784.4501,"end":1784.77,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.08711988478899002},{"word":"through","start":1784.77,"end":1785.09,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08167159557342529},{"word":"the","start":1785.09,"end":1785.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0918739289045334},{"word":"forms","start":1785.25,"end":1785.75,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.09017499536275864},{"word":"as","start":1785.89,"end":1786.05,"confidence":0.93847656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12336723506450652},{"word":"long","start":1786.05,"end":1786.29,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11922086775302888},{"word":"as","start":1786.29,"end":1786.37,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11334556341171265},{"word":"you've","start":1786.37,"end":1786.53,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09983918070793152},{"word":"got","start":1786.53,"end":1786.77,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08186756074428558},{"word":"access","start":1786.77,"end":1787.09,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.06637192517518997},{"word":"to","start":1787.09,"end":1787.25,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09437893331050871},{"word":"a","start":1787.25,"end":1787.41,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08086805045604706},{"word":"printer","start":1787.41,"end":1787.91,"confidence":1.0,"punctuated_word":"printer","sentiment":"neutral","sentiment_score":0.05481484532356262},{"word":"to","start":1788.29,"end":1788.53,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06059825420379639},{"word":"kind","start":1788.53,"end":1788.77,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0574178621172905},{"word":"of","start":1788.77,"end":1789.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08134788274765015},{"word":"wet","start":1789.01,"end":1789.3301,"confidence":0.98535156,"punctuated_word":"wet","sentiment":"neutral","sentiment_score":0.08577390760183334},{"word":"sign","start":1789.3301,"end":1789.65,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.044010937213897705},{"word":"those","start":1789.65,"end":1790.15,"confidence":0.89575195,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.05982518196105957},{"word":"or","start":1790.4049,"end":1790.485,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06113174557685852},{"word":"we","start":1790.485,"end":1790.8049,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0429086834192276},{"word":"can","start":1790.8049,"end":1790.965,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0371352955698967},{"word":"even","start":1790.965,"end":1791.365,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.14582818746566772},{"word":"express","start":1791.365,"end":1791.845,"confidence":0.9838867,"punctuated_word":"express","sentiment":"neutral","sentiment_score":0.1415693163871765},{"word":"post","start":1791.845,"end":1792.1649,"confidence":0.9941406,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.13490161299705505},{"word":"out","start":1792.1649,"end":1792.325,"confidence":0.98828125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1469334214925766},{"word":"the","start":1792.325,"end":1792.485,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16315004229545593},{"word":"forms","start":1792.485,"end":1792.885,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.1701638400554657},{"word":"with","start":1792.885,"end":1793.0449,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17317339777946472},{"word":"a","start":1793.0449,"end":1793.205,"confidence":0.890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1286769658327103},{"word":"return","start":1793.205,"end":1793.605,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.09346085041761398},{"word":"envelope","start":1793.605,"end":1794.085,"confidence":0.97509766,"punctuated_word":"envelope","sentiment":"neutral","sentiment_score":0.07351019978523254},{"word":"if","start":1794.085,"end":1794.245,"confidence":0.8769531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19555966556072235},{"word":"that's","start":1794.245,"end":1794.485,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14792099595069885},{"word":"easier","start":1794.485,"end":1794.985,"confidence":0.99902344,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":0.06571581959724426},{"word":"oh","start":1808.26,"end":1808.5,"confidence":0.86328125,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.074464812874794},{"word":"wow","start":1808.5,"end":1808.82,"confidence":1.0,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":-0.03750423341989517},{"word":"did","start":1808.82,"end":1808.98,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.023016059771180153},{"word":"you","start":1808.98,"end":1809.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028904033824801445},{"word":"get","start":1809.14,"end":1809.2999,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0364227220416069},{"word":"them","start":1809.2999,"end":1809.46,"confidence":0.89501953,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.04627282917499542},{"word":"witnessed","start":1809.46,"end":1809.86,"confidence":0.8051758,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":-0.051125418394804},{"word":"as","start":1809.86,"end":1810.02,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.048832859843969345},{"word":"well","start":1810.02,"end":1810.52,"confidence":1.0,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":-0.07177439332008362},{"word":"yep","start":1817.235,"end":1817.735,"confidence":0.87475586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.15663518011569977},{"word":"oh","start":1820.755,"end":1820.995,"confidence":0.7375488,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.3261503577232361},{"word":"that","start":1820.995,"end":1821.155,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4933017194271088},{"word":"can","start":1821.155,"end":1821.315,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4713345766067505},{"word":"be","start":1821.315,"end":1821.475,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5251482725143433},{"word":"a","start":1821.475,"end":1821.5549,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5060821175575256},{"word":"bit","start":1821.5549,"end":1821.715,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5754478573799133},{"word":"of","start":1821.715,"end":1821.7949,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.6419289708137512},{"word":"a","start":1821.7949,"end":1821.875,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6504427790641785},{"word":"pain","start":1821.875,"end":1822.115,"confidence":1.0,"punctuated_word":"pain.","sentiment":"negative","sentiment_score":-0.49072015285491943},{"word":"i","start":1822.115,"end":1822.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31472575664520264},{"word":"know","start":1822.275,"end":1822.515,"confidence":1.0,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.33934101462364197},{"word":"hub's","start":1822.515,"end":1822.915,"confidence":0.7121582,"punctuated_word":"Hub's","sentiment":"neutral","sentiment_score":-0.3194870948791504},{"word":"really","start":1822.915,"end":1823.155,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11978746950626372},{"word":"good","start":1823.155,"end":1823.395,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.03028024733066559},{"word":"for","start":1823.395,"end":1823.635,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04461267590522766},{"word":"beneficiary","start":1823.635,"end":1824.135,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.0465436726808548},{"word":"forms","start":1824.195,"end":1824.515,"confidence":0.9448242,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":0.03534695506095886},{"word":"and","start":1824.515,"end":1824.6749,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.045108988881111145},{"word":"they","start":1824.6749,"end":1824.835,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12194546312093736},{"word":"tend","start":1824.835,"end":1824.995,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.0786089077591896},{"word":"to","start":1824.995,"end":1825.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051557667553424835},{"word":"accept","start":1825.235,"end":1825.5549,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":-0.00618116557598114},{"word":"them","start":1825.5549,"end":1826.0549,"confidence":0.78466797,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.02927475795149803},{"word":"generally","start":1827.2201,"end":1827.54,"confidence":0.9980469,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.09054109454154968},{"word":"speaking","start":1827.54,"end":1827.9401,"confidence":0.9946289,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":-0.02524765208363533},{"word":"no","start":1827.9401,"end":1828.1001,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0814821869134903},{"word":"matter","start":1828.1001,"end":1828.26,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.08584122359752655},{"word":"how","start":1828.26,"end":1828.42,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.07975519448518753},{"word":"old","start":1828.42,"end":1828.66,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.0668458640575409},{"word":"they","start":1828.66,"end":1828.8201,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09952153265476228},{"word":"are","start":1828.8201,"end":1828.9801,"confidence":0.91625977,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.08069144934415817},{"word":"but","start":1828.9801,"end":1829.14,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2304583042860031},{"word":"there","start":1829.14,"end":1829.3,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.29860416054725647},{"word":"is","start":1829.3,"end":1829.38,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.36290767788887024},{"word":"a","start":1829.38,"end":1829.54,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3359958529472351},{"word":"risk","start":1829.54,"end":1829.7001,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3664824962615967},{"word":"that","start":1829.7001,"end":1829.9401,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4148962199687958},{"word":"if","start":1829.9401,"end":1830.1001,"confidence":0.99902344,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.49355003237724304},{"word":"we","start":1830.1001,"end":1830.26,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.4181067645549774},{"word":"try","start":1830.26,"end":1830.5,"confidence":1.0,"punctuated_word":"try","sentiment":"negative","sentiment_score":-0.4734843373298645},{"word":"and","start":1830.5,"end":1830.66,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5038688778877258},{"word":"submit","start":1830.66,"end":1830.9801,"confidence":1.0,"punctuated_word":"submit","sentiment":"negative","sentiment_score":-0.493956595659256},{"word":"it","start":1830.9801,"end":1831.4601,"confidence":0.8239746,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.3658400774002075},{"word":"that","start":1831.4601,"end":1831.8601,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34280022978782654},{"word":"they","start":1831.8601,"end":1832.02,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.33219313621520996},{"word":"may","start":1832.02,"end":1832.18,"confidence":0.99902344,"punctuated_word":"may","sentiment":"negative","sentiment_score":-0.4209274053573608},{"word":"be","start":1832.18,"end":1832.3401,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.48575982451438904},{"word":"rejected","start":1832.3401,"end":1832.8201,"confidence":1.0,"punctuated_word":"rejected","sentiment":"negative","sentiment_score":-0.5891327857971191},{"word":"as","start":1832.8201,"end":1832.9801,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5459898114204407},{"word":"an","start":1832.9801,"end":1833.14,"confidence":1.0,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.4399259686470032},{"word":"old","start":1833.14,"end":1833.4601,"confidence":1.0,"punctuated_word":"old","sentiment":"negative","sentiment_score":-0.48918265104293823},{"word":"form","start":1833.4601,"end":1833.9601,"confidence":1.0,"punctuated_word":"form","sentiment":"negative","sentiment_score":-0.6399356126785278},{"word":"now","start":1834.1001,"end":1834.26,"confidence":0.8745117,"punctuated_word":"now","sentiment":"negative","sentiment_score":-0.5200151205062866},{"word":"that","start":1834.26,"end":1834.42,"confidence":0.9375,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3847835659980774},{"word":"they've","start":1834.42,"end":1834.66,"confidence":0.99560547,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.40568655729293823},{"word":"updated","start":1834.66,"end":1835.14,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.03305601328611374},{"word":"them","start":1835.14,"end":1835.54,"confidence":0.9597168,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.029751522466540337},{"word":"so","start":1835.54,"end":1835.8601,"confidence":0.93603516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009303346276283264},{"word":"i'm","start":1835.8601,"end":1835.9401,"confidence":0.56469727,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04307463765144348},{"word":"like","start":1835.9401,"end":1836.3401,"confidence":0.71240234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0545017309486866},{"word":"yep","start":1837.6201,"end":1838.1201,"confidence":0.94799805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07140094041824341},{"word":"i","start":1839.315,"end":1839.475,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1549251228570938},{"word":"can","start":1839.475,"end":1839.715,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15106932818889618},{"word":"get","start":1839.715,"end":1839.955,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12015531957149506},{"word":"that","start":1839.955,"end":1840.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1115495190024376},{"word":"organized","start":1840.195,"end":1840.695,"confidence":0.99560547,"punctuated_word":"organized.","sentiment":"neutral","sentiment_score":0.10111984610557556},{"word":"no","start":1840.755,"end":1840.9149,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.14660915732383728},{"word":"worries","start":1840.9149,"end":1841.1549,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.09167598187923431},{"word":"at","start":1841.1549,"end":1841.315,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09329986572265624},{"word":"all","start":1841.315,"end":1841.815,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.10971121490001678},{"word":"now","start":1844.0349,"end":1844.195,"confidence":0.7368164,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.061585355550050735},{"word":"i'm","start":1844.195,"end":1844.4349,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03391275554895401},{"word":"assuming","start":1844.4349,"end":1844.6749,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.024243630468845367},{"word":"because","start":1844.6749,"end":1844.9149,"confidence":0.60253906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02634861320257187},{"word":"you","start":1844.9149,"end":1844.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022724129259586338},{"word":"filled","start":1844.995,"end":1845.235,"confidence":0.9550781,"punctuated_word":"filled","sentiment":"neutral","sentiment_score":0.07534168660640717},{"word":"them","start":1845.235,"end":1845.3949,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.024799702689051628},{"word":"in","start":1845.3949,"end":1845.5549,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.022882621735334396},{"word":"before","start":1845.5549,"end":1846.0549,"confidence":0.9550781,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.030017320066690445},{"word":"yes","start":1847.5549,"end":1847.875,"confidence":0.920166,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11720077693462372},{"word":"actually","start":1847.875,"end":1848.2749,"confidence":0.9970703,"punctuated_word":"Actually,","sentiment":"neutral","sentiment_score":0.16814634203910828},{"word":"hub","start":1848.2749,"end":1848.5149,"confidence":0.78759766,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2018744945526123},{"word":"does","start":1848.5149,"end":1848.6749,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2147553563117981},{"word":"accept","start":1848.6749,"end":1849.075,"confidence":1.0,"punctuated_word":"accept","sentiment":"neutral","sentiment_score":0.25914207100868225},{"word":"them","start":1849.075,"end":1849.315,"confidence":0.4970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2470586597919464},{"word":"emailed","start":1849.315,"end":1849.715,"confidence":0.7392578,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.25892263650894165},{"word":"back","start":1849.715,"end":1850.0349,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.20020896196365356},{"word":"as","start":1850.0349,"end":1850.195,"confidence":0.9790039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20146045088768005},{"word":"long","start":1850.195,"end":1850.4349,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.19319546222686768},{"word":"as","start":1850.4349,"end":1850.5149,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1919589340686798},{"word":"they're","start":1850.5149,"end":1850.835,"confidence":0.9279785,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.18279564380645752},{"word":"kind","start":1850.835,"end":1851.075,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1920739710330963},{"word":"of","start":1851.075,"end":1851.235,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.168139711022377},{"word":"it's","start":1851.315,"end":1851.5549,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20209674537181857},{"word":"obvious","start":1851.5549,"end":1851.955,"confidence":0.99902344,"punctuated_word":"obvious","sentiment":"neutral","sentiment_score":0.14764904975891113},{"word":"that","start":1851.955,"end":1852.0349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13104316592216492},{"word":"it","start":1852.0349,"end":1852.195,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12465426325798036},{"word":"was","start":1852.195,"end":1852.4349,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08991103619337082},{"word":"a","start":1852.4349,"end":1852.9349,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0960472971200943},{"word":"a","start":1853.475,"end":1853.635,"confidence":0.93847656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08783981949090958},{"word":"pen","start":1853.635,"end":1854.0349,"confidence":0.82958984,"punctuated_word":"pen","sentiment":"neutral","sentiment_score":0.04990243166685104},{"word":"signature","start":1854.0349,"end":1854.5349,"confidence":0.9970703,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.041142310947179794},{"word":"with","start":1855.2799,"end":1855.6,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0868033915758133},{"word":"the","start":1855.6,"end":1855.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060665562748909},{"word":"two","start":1855.76,"end":1856.08,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.057518742978572845},{"word":"witnesses","start":1856.08,"end":1856.58,"confidence":1.0,"punctuated_word":"witnesses","sentiment":"neutral","sentiment_score":0.0479084774851799},{"word":"on","start":1856.96,"end":1857.12,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.059880975633859634},{"word":"the","start":1857.12,"end":1857.2799,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07170575112104416},{"word":"same","start":1857.2799,"end":1857.52,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.07989408820867538},{"word":"date","start":1857.52,"end":1858.02,"confidence":0.99365234,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.0969143956899643},{"word":"alrighty","start":1860.1599,"end":1860.64,"confidence":0.8932292,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.19827988743782043},{"word":"so","start":1860.64,"end":1860.88,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.203944593667984},{"word":"i'll","start":1860.88,"end":1861.0399,"confidence":0.99365234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2058858573436737},{"word":"put","start":1861.0399,"end":1861.2799,"confidence":0.71728516,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18436339497566223},{"word":"that","start":1861.2799,"end":1861.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1627117544412613},{"word":"in","start":1861.44,"end":1861.6799,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13829775154590607},{"word":"for","start":1861.6799,"end":1861.84,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14364391565322876},{"word":"a","start":1861.84,"end":1861.9199,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1850295811891556},{"word":"bit","start":1861.9199,"end":1862.1599,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13862493634223938},{"word":"of","start":1862.1599,"end":1862.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17834489047527313},{"word":"a","start":1862.32,"end":1862.3999,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19666525721549988},{"word":"return","start":1862.3999,"end":1862.7999,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.18977157771587372},{"word":"there","start":1862.7999,"end":1863.12,"confidence":1.0,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16181868314743042},{"word":"let","start":1863.12,"end":1863.2799,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.11591971665620804},{"word":"me","start":1863.2799,"end":1863.44,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12551014125347135},{"word":"just","start":1863.44,"end":1863.6799,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1415979266166687},{"word":"double","start":1863.6799,"end":1864.0,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09959320724010468},{"word":"check","start":1864.0,"end":1864.24,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.10044334083795547},{"word":"as","start":1864.24,"end":1864.3999,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09683144837617874},{"word":"well","start":1864.3999,"end":1864.64,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10804851353168488},{"word":"while","start":1864.64,"end":1864.88,"confidence":0.93408203,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.09163668751716614},{"word":"i've","start":1864.88,"end":1865.0399,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09458159655332564},{"word":"got","start":1865.0399,"end":1865.2799,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08151048421859741},{"word":"you","start":1865.2799,"end":1865.7799,"confidence":0.9147949,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0787552148103714},{"word":"is","start":1865.9199,"end":1866.24,"confidence":0.9970703,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.04354620352387428},{"word":"your","start":1866.24,"end":1866.74,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02942582778632641},{"word":"life","start":1867.855,"end":1868.095,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04014128819108009},{"word":"insurance","start":1868.095,"end":1868.595,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.026451675221323967},{"word":"through","start":1868.895,"end":1869.375,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01623893529176712},{"word":"metlife","start":1869.375,"end":1869.875,"confidence":0.8854167,"punctuated_word":"MetLife?","sentiment":"neutral","sentiment_score":0.04671931266784668},{"word":"we","start":1871.775,"end":1872.095,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0281502828001976},{"word":"have","start":1872.095,"end":1872.595,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006785158067941666},{"word":"just","start":1872.815,"end":1873.215,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.001969616860151291},{"word":"over","start":1873.215,"end":1873.535,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05399758741259575},{"word":"half","start":1873.535,"end":1873.775,"confidence":0.9980469,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.04208528250455856},{"word":"1,000,000","start":1873.775,"end":1874.335,"confidence":1.0,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":0.049495384097099304},{"word":"worth","start":1874.335,"end":1874.575,"confidence":0.9970703,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.031911976635456085},{"word":"of","start":1874.575,"end":1874.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023058325052261353},{"word":"life","start":1874.735,"end":1875.0549,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.029723219573497772},{"word":"insurance","start":1875.0549,"end":1875.535,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.03566008433699608},{"word":"there","start":1875.535,"end":1875.855,"confidence":0.9921875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.055824458599090576},{"word":"which","start":1875.855,"end":1876.095,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07381009310483932},{"word":"is","start":1876.095,"end":1876.255,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.037221457809209824},{"word":"the","start":1876.255,"end":1876.4149,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034311890602111816},{"word":"equal","start":1876.4149,"end":1876.655,"confidence":1.0,"punctuated_word":"equal","sentiment":"neutral","sentiment_score":0.0565507598221302},{"word":"amount","start":1876.655,"end":1876.975,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.03541100397706032},{"word":"to","start":1876.975,"end":1877.135,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046194616705179214},{"word":"the","start":1877.135,"end":1877.2949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03385276719927788},{"word":"disability","start":1877.2949,"end":1877.7949,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.007524356245994568},{"word":"cover","start":1877.855,"end":1878.255,"confidence":0.9812012,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.006916448473930359},{"word":"it's","start":1878.255,"end":1878.4149,"confidence":0.95581055,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.008482604287564754},{"word":"your","start":1878.4149,"end":1878.655,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05061273276805878},{"word":"lump","start":1878.655,"end":1878.895,"confidence":0.99316406,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.07284881174564362},{"word":"sums","start":1878.895,"end":1879.2949,"confidence":0.95703125,"punctuated_word":"sums","sentiment":"neutral","sentiment_score":-0.0988861471414566},{"word":"if","start":1879.2949,"end":1879.455,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08601895719766617},{"word":"you","start":1879.455,"end":1879.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12022266536951064},{"word":"pass","start":1880.1749,"end":1880.4149,"confidence":0.99902344,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.12577150762081146},{"word":"away","start":1880.4149,"end":1880.815,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.11955015361309052},{"word":"or","start":1880.815,"end":1880.975,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1139366775751114},{"word":"can","start":1880.975,"end":1881.215,"confidence":0.96435547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.10112926363945007},{"word":"never","start":1881.215,"end":1881.535,"confidence":0.9980469,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.10328201949596404},{"word":"work","start":1881.535,"end":1881.775,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06204191595315933},{"word":"again","start":1881.775,"end":1882.26,"confidence":0.9970703,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.05539252609014511},{"word":"you've","start":1882.42,"end":1882.66,"confidence":0.9926758,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.003900283481925726},{"word":"just","start":1882.66,"end":1882.8201,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004421703517436981},{"word":"had","start":1882.8201,"end":1883.14,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.00625285878777504},{"word":"an","start":1883.14,"end":1883.38,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.002546250820159912},{"word":"anniversary","start":1883.38,"end":1883.88,"confidence":1.0,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.004238128662109375},{"word":"on","start":1884.02,"end":1884.1,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008839093148708344},{"word":"the","start":1884.1,"end":1884.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015750184655189514},{"word":"april","start":1884.34,"end":1884.8301,"confidence":0.9991862,"punctuated_word":"April","sentiment":"neutral","sentiment_score":0.01679023541510105},{"word":"2","start":1884.8301,"end":1885.3201,"confidence":0.9991862,"punctuated_word":"2.","sentiment":"neutral","sentiment_score":0.015504449605941772},{"word":"did","start":1885.62,"end":1885.9401,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.022772833704948425},{"word":"you","start":1885.9401,"end":1886.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02087196707725525},{"word":"want","start":1886.1,"end":1886.6,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.006159879267215729},{"word":"theo","start":1887.62,"end":1887.9401,"confidence":0.92089844,"punctuated_word":"Theo","sentiment":"neutral","sentiment_score":0.02375347912311554},{"word":"listed","start":1887.9401,"end":1888.42,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.02925022691488266},{"word":"as","start":1888.42,"end":1888.74,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0184207446873188},{"word":"the","start":1888.74,"end":1888.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010276855900883676},{"word":"life","start":1888.9,"end":1889.14,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.006345473229885101},{"word":"insurance","start":1889.14,"end":1889.64,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0013218298554420471},{"word":"beneficiary","start":1889.78,"end":1890.28,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.01525510661303997},{"word":"as","start":1890.34,"end":1890.5,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02916201762855053},{"word":"well","start":1890.5,"end":1890.74,"confidence":0.99902344,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.01632973924279213},{"word":"it's","start":1890.74,"end":1891.22,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.012913212180137634},{"word":"for","start":1891.38,"end":1891.54,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02176263742148876},{"word":"life","start":1891.54,"end":1891.78,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.043059639632701874},{"word":"insurance","start":1891.78,"end":1892.18,"confidence":0.9970703,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.02877850830554962},{"word":"it","start":1892.18,"end":1892.26,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.005918007344007492},{"word":"could","start":1892.26,"end":1892.42,"confidence":0.54296875,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.018627386540174484},{"word":"be","start":1892.42,"end":1892.58,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.014469720423221588},{"word":"pretty","start":1892.58,"end":1892.8201,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.004236672073602676},{"word":"much","start":1892.8201,"end":1893.06,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0018065758049488068},{"word":"anybody","start":1893.06,"end":1893.56,"confidence":0.99609375,"punctuated_word":"anybody.","sentiment":"neutral","sentiment_score":-0.011717446148395538},{"word":"k","start":1904.115,"end":1904.435,"confidence":0.85058594,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.11078360676765442},{"word":"cool","start":1904.435,"end":1904.755,"confidence":0.9995117,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.26401054859161377},{"word":"i","start":1904.755,"end":1904.915,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2635191082954407},{"word":"i","start":1904.915,"end":1904.995,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2487968951463699},{"word":"can","start":1904.995,"end":1905.155,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2720574736595154},{"word":"do","start":1905.155,"end":1905.395,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26331302523612976},{"word":"that","start":1905.395,"end":1905.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31952980160713196},{"word":"for","start":1905.555,"end":1905.795,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25865769386291504},{"word":"both","start":1905.795,"end":1906.035,"confidence":0.9970703,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.2707679867744446},{"word":"that's","start":1906.035,"end":1906.275,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3237462043762207},{"word":"no","start":1906.275,"end":1906.435,"confidence":0.99316406,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2740181088447571},{"word":"worries","start":1906.435,"end":1906.8351,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.26875317096710205},{"word":"at","start":1906.8351,"end":1906.915,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3327574133872986},{"word":"all","start":1906.915,"end":1907.415,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.29172807931900024},{"word":"it's","start":1907.715,"end":1907.875,"confidence":0.9003906,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03476424515247345},{"word":"just","start":1907.875,"end":1908.1951,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0393730103969574},{"word":"sometimes","start":1908.1951,"end":1908.6951,"confidence":0.9921875,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.017621275037527084},{"word":"because","start":1909.0,"end":1909.32,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.014637801796197891},{"word":"the","start":1909.32,"end":1909.48,"confidence":0.8051758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02205628901720047},{"word":"restrictions","start":1909.48,"end":1909.98,"confidence":0.97509766,"punctuated_word":"restrictions","sentiment":"neutral","sentiment_score":0.014809910207986832},{"word":"for","start":1910.12,"end":1910.36,"confidence":0.91503906,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0025463104248046875},{"word":"super","start":1910.36,"end":1910.86,"confidence":0.9255371,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.03460577875375748},{"word":"usually","start":1911.0,"end":1911.4,"confidence":1.0,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.0200510174036026},{"word":"people","start":1911.4,"end":1911.64,"confidence":0.6152344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.01666341722011566},{"word":"might","start":1911.64,"end":1911.7999,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.006305411458015442},{"word":"do","start":1911.7999,"end":1911.96,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.026474520564079285},{"word":"it","start":1911.96,"end":1912.0399,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03675404563546181},{"word":"a","start":1912.0399,"end":1912.12,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0247919037938118},{"word":"little","start":1912.12,"end":1912.2799,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0035004019737243652},{"word":"bit","start":1912.2799,"end":1912.52,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.007465831935405731},{"word":"differently","start":1912.52,"end":1912.84,"confidence":0.99902344,"punctuated_word":"differently","sentiment":"neutral","sentiment_score":0.025791175663471225},{"word":"for","start":1912.84,"end":1913.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03161811828613281},{"word":"the","start":1913.0,"end":1913.1599,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04149916023015976},{"word":"life","start":1913.1599,"end":1913.4,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.037599436938762665},{"word":"insurance","start":1913.4,"end":1913.7999,"confidence":0.93408203,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.03178932145237923},{"word":"but","start":1913.7999,"end":1913.96,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.043615587055683136},{"word":"i","start":1913.96,"end":1914.0399,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.047182999551296234},{"word":"can","start":1914.0399,"end":1914.2,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05376146361231804},{"word":"line","start":1914.2,"end":1914.44,"confidence":0.9970703,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.06554561108350754},{"word":"those","start":1914.44,"end":1914.6799,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07798521220684052},{"word":"up","start":1914.6799,"end":1915.0,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.28803473711013794},{"word":"perfectly","start":1915.0,"end":1915.48,"confidence":0.9980469,"punctuated_word":"perfectly","sentiment":"neutral","sentiment_score":0.28511491417884827},{"word":"fine","start":1915.48,"end":1915.98,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2046797126531601},{"word":"two","start":1917.88,"end":1918.38,"confidence":0.96533203,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.0912717431783676},{"word":"quick","start":1918.44,"end":1918.6799,"confidence":0.9921875,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.06914658099412918},{"word":"questions","start":1918.6799,"end":1919.08,"confidence":0.9892578,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08513522893190384},{"word":"on","start":1919.08,"end":1919.1599,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08892762660980225},{"word":"it","start":1919.1599,"end":1919.5599,"confidence":0.9812012,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1007573902606964},{"word":"you","start":1919.5599,"end":1919.72,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10907378792762756},{"word":"do","start":1919.72,"end":1919.88,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11722008138895036},{"word":"have","start":1919.88,"end":1920.0399,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09612297266721724},{"word":"the","start":1920.0399,"end":1920.2,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09602829813957214},{"word":"option","start":1920.2,"end":1920.6799,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.08993766456842422},{"word":"to","start":1920.6799,"end":1921.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10001584142446518},{"word":"make","start":1921.0,"end":1921.1599,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08300727605819702},{"word":"it","start":1921.1599,"end":1921.32,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.090365469455719},{"word":"a","start":1921.32,"end":1921.5599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11071085929870604},{"word":"lapsing","start":1921.5599,"end":1922.0399,"confidence":0.99902344,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.10079732537269592},{"word":"nomination","start":1922.0399,"end":1922.5399,"confidence":1.0,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.1020459532737732},{"word":"that","start":1923.195,"end":1923.4349,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08280880749225616},{"word":"expires","start":1923.4349,"end":1923.9149,"confidence":1.0,"punctuated_word":"expires","sentiment":"neutral","sentiment_score":0.08739757537841797},{"word":"every","start":1923.9149,"end":1924.235,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04803691804409027},{"word":"three","start":1924.235,"end":1924.3949,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04238913953304291},{"word":"years","start":1924.3949,"end":1924.635,"confidence":0.826416,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.06511854380369186},{"word":"so","start":1924.635,"end":1924.875,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09385525435209274},{"word":"you","start":1924.875,"end":1925.0349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09001699090003967},{"word":"have","start":1925.0349,"end":1925.195,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07764281332492828},{"word":"to","start":1925.195,"end":1925.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08495685458183289},{"word":"review","start":1925.355,"end":1925.6749,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06934867799282074},{"word":"it","start":1925.6749,"end":1926.075,"confidence":0.77783203,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.059933193027973175},{"word":"or","start":1926.075,"end":1926.235,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03713056072592735},{"word":"it's","start":1926.235,"end":1926.475,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03093681111931801},{"word":"non","start":1926.475,"end":1926.7949,"confidence":0.98291016,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.02749008312821388},{"word":"lapsing","start":1926.7949,"end":1927.115,"confidence":0.9082031,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.030651157721877095},{"word":"and","start":1927.115,"end":1927.355,"confidence":0.57666016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026742566376924515},{"word":"it","start":1927.355,"end":1927.4349,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.042497485876083374},{"word":"just","start":1927.4349,"end":1927.755,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026554740965366364},{"word":"continues","start":1927.755,"end":1928.235,"confidence":0.99902344,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.03050420433282852},{"word":"until","start":1928.235,"end":1928.5549,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.016989026218652725},{"word":"you","start":1928.5549,"end":1928.7949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011663701385259628},{"word":"change","start":1928.7949,"end":1929.0349,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.02999035269021988},{"word":"it","start":1929.0349,"end":1929.5349,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.044353485107421875},{"word":"yep","start":1941.45,"end":1941.95,"confidence":0.8894043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3296957015991211},{"word":"okay","start":1943.53,"end":1944.03,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13325604796409607},{"word":"positive","start":1944.4099,"end":1944.9099,"confidence":0.9980469,"punctuated_word":"Positive","sentiment":"positive","sentiment_score":0.7164582014083862},{"word":"foreshadowing","start":1945.0499,"end":1945.5499,"confidence":0.9899089,"punctuated_word":"foreshadowing","sentiment":"positive","sentiment_score":0.6747831106185913},{"word":"is","start":1945.61,"end":1945.77,"confidence":0.7265625,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7565869092941284},{"word":"good","start":1945.77,"end":1946.25,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.77688068151474},{"word":"i","start":1946.25,"end":1946.33,"confidence":0.86035156,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.394650399684906},{"word":"have","start":1946.33,"end":1946.49,"confidence":0.9658203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30161410570144653},{"word":"had","start":1946.49,"end":1946.65,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.27830278873443604},{"word":"some","start":1946.65,"end":1946.89,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2897881269454956},{"word":"interesting","start":1946.89,"end":1947.37,"confidence":1.0,"punctuated_word":"interesting","sentiment":"neutral","sentiment_score":0.29990971088409424},{"word":"conversations","start":1947.37,"end":1947.87,"confidence":0.99902344,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.3079615831375122},{"word":"over","start":1948.01,"end":1948.25,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1821056753396988},{"word":"the","start":1948.25,"end":1948.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1753588765859604},{"word":"years","start":1948.33,"end":1948.65,"confidence":0.9951172,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.19971688091754913},{"word":"but","start":1948.65,"end":1949.085,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2457198202610016},{"word":"we","start":1949.1649,"end":1949.325,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27316272258758545},{"word":"can","start":1949.325,"end":1949.565,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3753458559513092},{"word":"do","start":1949.565,"end":1949.8049,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3973475694656372},{"word":"that","start":1949.8049,"end":1950.125,"confidence":0.810791,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.34869521856307983},{"word":"and","start":1950.125,"end":1950.625,"confidence":0.83691406,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1601441502571106},{"word":"look","start":1950.765,"end":1951.085,"confidence":0.92578125,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.17074137926101685},{"word":"we'll","start":1951.085,"end":1951.245,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.18214151263237},{"word":"touch","start":1951.245,"end":1951.565,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.25054216384887695},{"word":"on","start":1951.565,"end":1951.725,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2233043909072876},{"word":"it","start":1951.725,"end":1951.8049,"confidence":0.63964844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26457515358924866},{"word":"every","start":1951.8049,"end":1952.125,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.18723782896995544},{"word":"review","start":1952.125,"end":1952.445,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.18998990952968595},{"word":"anyway","start":1952.445,"end":1952.845,"confidence":0.96875,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.20816417038440704},{"word":"just","start":1952.845,"end":1953.085,"confidence":0.8432617,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16125638782978058},{"word":"in","start":1953.085,"end":1953.245,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1570749580860138},{"word":"case","start":1953.245,"end":1953.745,"confidence":1.0,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":0.2189635932445526},{"word":"cool","start":1956.5249,"end":1957.0249,"confidence":0.99316406,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3471619486808777},{"word":"just","start":1957.565,"end":1957.8049,"confidence":0.95947266,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.205928236246109},{"word":"quickly","start":1957.8049,"end":1958.125,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.16097968816757202},{"word":"as","start":1958.125,"end":1958.2849,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17380380630493164},{"word":"well","start":1958.2849,"end":1958.445,"confidence":0.9941406,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1775074005126953},{"word":"simone","start":1958.445,"end":1958.9249,"confidence":0.814209,"punctuated_word":"Simone,","sentiment":"neutral","sentiment_score":0.11744701117277144},{"word":"with","start":1958.9249,"end":1959.1649,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1244976371526718},{"word":"that","start":1959.1649,"end":1959.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16833911836147308},{"word":"life","start":1959.485,"end":1959.725,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1724768579006195},{"word":"insurance","start":1959.725,"end":1960.225,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1525094211101532},{"word":"amount","start":1960.365,"end":1960.865,"confidence":0.9375,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.1246747225522995},{"word":"because","start":1961.005,"end":1961.325,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13784025609493256},{"word":"your","start":1961.325,"end":1961.645,"confidence":0.9741211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1951255202293396},{"word":"super","start":1961.645,"end":1961.965,"confidence":0.6381836,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24817101657390592},{"word":"has","start":1961.965,"end":1962.125,"confidence":0.4338379,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.16550621390342712},{"word":"gone","start":1962.125,"end":1962.5249,"confidence":0.9921875,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.17491118609905243},{"word":"up","start":1962.5249,"end":1963.0249,"confidence":0.93847656,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.17987167835235596},{"word":"i","start":1963.27,"end":1963.4299,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1435401290655136},{"word":"just","start":1963.4299,"end":1963.51,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12142385542392732},{"word":"wanted","start":1963.51,"end":1963.75,"confidence":0.7739258,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1031564325094223},{"word":"to","start":1963.75,"end":1963.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11771825700998306},{"word":"double","start":1963.91,"end":1964.23,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.07756383717060089},{"word":"check","start":1964.23,"end":1964.47,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07954912632703781},{"word":"with","start":1964.47,"end":1964.63,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06373806297779083},{"word":"you","start":1964.63,"end":1964.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0825343057513237},{"word":"as","start":1964.79,"end":1964.87,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10192606598138808},{"word":"well","start":1964.87,"end":1965.11,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08758647739887238},{"word":"so","start":1965.11,"end":1965.4299,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016547895967960358},{"word":"let's","start":1965.4299,"end":1965.67,"confidence":0.9980469,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.019534390419721603},{"word":"say","start":1965.67,"end":1966.17,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.017888838425278664},{"word":"that","start":1966.5499,"end":1966.95,"confidence":0.96777344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.020146645605564117},{"word":"situation","start":1966.95,"end":1967.45,"confidence":1.0,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.001037653535604477},{"word":"happens","start":1967.51,"end":1967.91,"confidence":0.9812012,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.011776017025113106},{"word":"your","start":1967.91,"end":1968.41,"confidence":0.72802734,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.09321945160627364},{"word":"car","start":1968.87,"end":1969.11,"confidence":0.99316406,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.0896243005990982},{"word":"accident","start":1969.11,"end":1969.59,"confidence":1.0,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.0716773271560669},{"word":"can","start":1969.59,"end":1969.75,"confidence":0.9536133,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1538768708705902},{"word":"never","start":1969.75,"end":1969.99,"confidence":0.9453125,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.14384083449840546},{"word":"work","start":1969.99,"end":1970.3099,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.1149129569530487},{"word":"again","start":1970.3099,"end":1970.8099,"confidence":0.9416504,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.09465222805738448},{"word":"there's","start":1970.95,"end":1971.45,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.018144402652978897},{"word":"550,000","start":1971.51,"end":1973.03,"confidence":0.993457,"punctuated_word":"550,000","sentiment":"neutral","sentiment_score":0.0318487323820591},{"word":"comes","start":1973.03,"end":1973.35,"confidence":0.99609375,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.03456748276948929},{"word":"out","start":1973.35,"end":1973.85,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04311968386173248},{"word":"plus","start":1973.91,"end":1974.3099,"confidence":0.6069336,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.05197105556726456},{"word":"your","start":1974.3099,"end":1974.5499,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05682060867547989},{"word":"100","start":1974.5499,"end":1974.79,"confidence":0.94628906,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.049759335815906525},{"word":"and","start":1974.79,"end":1975.03,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.046513885259628296},{"word":"50,000","start":1975.03,"end":1975.67,"confidence":1.0,"punctuated_word":"50,000","sentiment":"neutral","sentiment_score":0.04367275536060333},{"word":"of","start":1975.67,"end":1975.91,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04701852798461914},{"word":"your","start":1975.91,"end":1976.07,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05434766411781311},{"word":"super","start":1976.07,"end":1976.57,"confidence":0.7832031,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.06104392558336258},{"word":"700,000","start":1977.265,"end":1978.065,"confidence":0.9996745,"punctuated_word":"700,000","sentiment":"neutral","sentiment_score":0.0559803806245327},{"word":"there","start":1978.065,"end":1978.3049,"confidence":0.8833008,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.048021525144577026},{"word":"to","start":1978.3049,"end":1978.465,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051052212715148926},{"word":"kind","start":1978.465,"end":1978.625,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07032458484172821},{"word":"of","start":1978.625,"end":1978.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05433180183172226},{"word":"pay","start":1978.705,"end":1978.945,"confidence":0.96240234,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.03844060003757477},{"word":"off","start":1978.945,"end":1979.105,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.018025267869234085},{"word":"the","start":1979.105,"end":1979.265,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042757533490657806},{"word":"mortgage","start":1979.265,"end":1979.765,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.05046863853931427},{"word":"and","start":1980.3049,"end":1980.8049,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0424039401113987},{"word":"leave","start":1981.025,"end":1981.265,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.024018216878175735},{"word":"a","start":1981.265,"end":1981.4249,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04405638575553894},{"word":"few","start":1981.4249,"end":1981.665,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.03357842192053795},{"word":"100,000","start":1981.665,"end":1982.385,"confidence":0.9995117,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.04156689718365669},{"word":"left","start":1982.385,"end":1982.865,"confidence":0.9291992,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.01794150471687317},{"word":"over","start":1982.865,"end":1983.345,"confidence":0.98950195,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.008531799539923668},{"word":"just","start":1983.345,"end":1983.585,"confidence":0.9902344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.028896991163492203},{"word":"wanted","start":1983.585,"end":1983.905,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.015191072598099709},{"word":"to","start":1983.905,"end":1984.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01796991191804409},{"word":"double","start":1984.065,"end":1984.385,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.02429186180233955},{"word":"check","start":1984.385,"end":1984.625,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.01534055545926094},{"word":"with","start":1984.625,"end":1984.705,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.00590861588716507},{"word":"you","start":1984.705,"end":1985.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0005638077855110168},{"word":"that","start":1985.505,"end":1985.825,"confidence":0.9111328,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0008907169103622437},{"word":"situation","start":1985.825,"end":1986.325,"confidence":0.9926758,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":0.004196029156446457},{"word":"does","start":1986.385,"end":1986.5449,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0302031934261322},{"word":"that","start":1986.5449,"end":1986.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07082667201757431},{"word":"sound","start":1986.705,"end":1987.025,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06459805369377136},{"word":"okay","start":1987.025,"end":1987.4249,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.026820428669452667},{"word":"for","start":1987.4249,"end":1987.585,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015320777893066406},{"word":"you","start":1987.585,"end":1987.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00010783970355987547},{"word":"guys","start":1987.745,"end":1988.245,"confidence":0.99316406,"punctuated_word":"guys?","sentiment":"neutral","sentiment_score":-0.009394502267241478},{"word":"is","start":1989.505,"end":1989.665,"confidence":0.86572266,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.10163488239049911},{"word":"that","start":1989.665,"end":1989.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11058185994625092},{"word":"too","start":1989.985,"end":1990.145,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11807388067245483},{"word":"high","start":1990.145,"end":1990.3049,"confidence":0.9880371,"punctuated_word":"high?","sentiment":"neutral","sentiment_score":-0.10792151093482973},{"word":"is","start":1990.3049,"end":1990.465,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.11062163859605788},{"word":"that","start":1990.465,"end":1990.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12345430999994278},{"word":"too","start":1990.705,"end":1990.865,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11889581382274628},{"word":"low","start":1990.865,"end":1991.34,"confidence":0.99609375,"punctuated_word":"low?","sentiment":"neutral","sentiment_score":-0.09024751931428908},{"word":"yep","start":1996.38,"end":1996.88,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03447486087679863},{"word":"and","start":1997.02,"end":1997.52,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.018781263381242752},{"word":"just","start":1998.2999,"end":1998.38,"confidence":0.7426758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.020741073414683345},{"word":"having","start":1998.38,"end":1998.7,"confidence":0.8071289,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.016825009137392044},{"word":"a","start":1998.7,"end":1998.7799,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020564811304211617},{"word":"look","start":1998.7799,"end":1998.86,"confidence":0.9580078,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0003483332693576813},{"word":"at","start":1998.86,"end":1999.02,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.004007749259471893},{"word":"the","start":1999.02,"end":1999.1799,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0016596727073192596},{"word":"price","start":1999.1799,"end":1999.5,"confidence":1.0,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.010845649987459184},{"word":"there","start":1999.5,"end":2000.0,"confidence":0.8684082,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.006459591910243034},{"word":"yeah","start":2001.5,"end":2001.82,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05428542196750641},{"word":"look","start":2001.82,"end":2002.22,"confidence":0.8803711,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.05922619253396988},{"word":"i'm","start":2002.22,"end":2002.38,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07829105108976364},{"word":"not","start":2002.38,"end":2002.5399,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06778079271316528},{"word":"too","start":2002.5399,"end":2002.7,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.06583201885223389},{"word":"concerned","start":2002.7,"end":2003.1,"confidence":1.0,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":0.014909878373146055},{"word":"about","start":2003.1,"end":2003.34,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.011934787034988403},{"word":"the","start":2003.34,"end":2003.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04333328455686569},{"word":"life","start":2003.5,"end":2003.74,"confidence":0.9580078,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.04071763902902603},{"word":"and","start":2003.74,"end":2003.9,"confidence":0.8701172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0394529290497303},{"word":"tpd","start":2003.9,"end":2004.4,"confidence":0.95996094,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":0.0343015231192112},{"word":"when","start":2004.5399,"end":2004.7799,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.07690982520580292},{"word":"you","start":2004.7799,"end":2004.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11533315479755402},{"word":"combine","start":2004.94,"end":2005.34,"confidence":1.0,"punctuated_word":"combine","sentiment":"neutral","sentiment_score":0.07280872762203217},{"word":"them","start":2005.34,"end":2005.58,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11244291067123412},{"word":"together","start":2005.58,"end":2005.98,"confidence":0.99853516,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.0923960730433464},{"word":"it's","start":2005.98,"end":2006.235,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.10367749631404875},{"word":"about","start":2006.475,"end":2006.715,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0918206423521042},{"word":"$400","start":2006.715,"end":2007.595,"confidence":1.0,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":0.11871079355478288},{"word":"coming","start":2007.595,"end":2007.835,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.10255884379148485},{"word":"out","start":2007.835,"end":2007.915,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11402024328708649},{"word":"of","start":2007.915,"end":2007.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10167797654867172},{"word":"the","start":2007.995,"end":2008.155,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11402986943721773},{"word":"super","start":2008.155,"end":2008.475,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14683085680007937},{"word":"per","start":2008.475,"end":2008.715,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.10177872329950333},{"word":"year","start":2008.715,"end":2009.035,"confidence":0.8215332,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09945507347583772},{"word":"and","start":2009.035,"end":2009.275,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08933692425489426},{"word":"then","start":2009.275,"end":2009.4349,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09694544225931168},{"word":"there's","start":2009.4349,"end":2009.595,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11784136295318604},{"word":"a","start":2009.595,"end":2009.755,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1445421278476715},{"word":"15%","start":2009.755,"end":2010.475,"confidence":0.9980469,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.13203732669353485},{"word":"rebate","start":2010.475,"end":2010.875,"confidence":1.0,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.12407997250556946},{"word":"which","start":2010.875,"end":2011.115,"confidence":0.5883789,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1051635593175888},{"word":"drops","start":2011.115,"end":2011.355,"confidence":1.0,"punctuated_word":"drops","sentiment":"neutral","sentiment_score":0.08732105046510696},{"word":"it","start":2011.355,"end":2011.515,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09808015823364258},{"word":"under","start":2011.515,"end":2011.755,"confidence":0.99609375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.1261717826128006},{"word":"that","start":2011.755,"end":2011.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1322217583656311},{"word":"amount","start":2011.995,"end":2012.315,"confidence":0.99121094,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.06549952179193497},{"word":"as","start":2012.315,"end":2012.475,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10136595368385316},{"word":"well","start":2012.475,"end":2012.795,"confidence":0.99365234,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08538482338190079},{"word":"so","start":2012.795,"end":2012.955,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10614153742790222},{"word":"it's","start":2012.955,"end":2013.115,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09198859333992004},{"word":"not","start":2013.115,"end":2013.275,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.016231447458267212},{"word":"really","start":2013.275,"end":2013.6749,"confidence":0.8913574,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.0145149864256382},{"word":"like","start":2013.6749,"end":2013.915,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03197329863905907},{"word":"slowing","start":2013.915,"end":2014.315,"confidence":1.0,"punctuated_word":"slowing","sentiment":"neutral","sentiment_score":-0.08859890699386597},{"word":"down","start":2014.315,"end":2014.475,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08503090590238571},{"word":"your","start":2014.475,"end":2014.715,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00653935968875885},{"word":"growth","start":2014.715,"end":2015.035,"confidence":0.84887695,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.06712999939918518},{"word":"if","start":2015.035,"end":2015.195,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12376049906015396},{"word":"that","start":2015.195,"end":2015.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13972848653793335},{"word":"makes","start":2015.355,"end":2015.595,"confidence":0.99121094,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.07320849597454071},{"word":"sense","start":2015.595,"end":2016.095,"confidence":0.99902344,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.028547491878271103},{"word":"you","start":2018.235,"end":2018.475,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05024851858615875},{"word":"do","start":2018.475,"end":2018.875,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06293754279613495},{"word":"have","start":2018.875,"end":2019.115,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04567009210586548},{"word":"the","start":2019.595,"end":2019.755,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05155842006206513},{"word":"last","start":2019.755,"end":2019.915,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.035281337797641754},{"word":"one","start":2019.915,"end":2020.155,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05322211980819702},{"word":"i","start":2020.155,"end":2020.235,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.044927701354026794},{"word":"wanted","start":2020.235,"end":2020.53,"confidence":0.43725586,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04026214778423309},{"word":"to","start":2020.53,"end":2020.65,"confidence":0.9526367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.052063871175050735},{"word":"touch","start":2020.65,"end":2020.77,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.0487922877073288},{"word":"on","start":2020.77,"end":2020.93,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05369338393211365},{"word":"was","start":2020.93,"end":2021.01,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03584323078393936},{"word":"your","start":2021.01,"end":2021.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05484994500875473},{"word":"income","start":2021.25,"end":2021.65,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.057279713451862335},{"word":"protection","start":2021.65,"end":2022.15,"confidence":1.0,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.02907019667327404},{"word":"you've","start":2022.93,"end":2023.3301,"confidence":0.9995117,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.036090586334466934},{"word":"got","start":2023.3301,"end":2023.73,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.031815022230148315},{"word":"a","start":2023.73,"end":2024.23,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03386002779006958},{"word":"ninety","start":2024.53,"end":2024.93,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.024031540378928185},{"word":"day","start":2024.93,"end":2025.17,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.019240498542785645},{"word":"waiting","start":2025.17,"end":2025.5701,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.029223792254924778},{"word":"period","start":2025.5701,"end":2025.97,"confidence":0.9807129,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.0017152689397335052},{"word":"so","start":2025.97,"end":2026.13,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012196019291877748},{"word":"if","start":2026.13,"end":2026.29,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.00921545922756195},{"word":"you're","start":2026.29,"end":2026.53,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02226918563246727},{"word":"out","start":2026.53,"end":2026.6901,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03327714279294014},{"word":"of","start":2026.6901,"end":2026.85,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.061775241047143936},{"word":"work","start":2026.85,"end":2027.0901,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06863170862197876},{"word":"for","start":2027.0901,"end":2027.3301,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08051420748233795},{"word":"more","start":2027.3301,"end":2027.49,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.06446272134780884},{"word":"than","start":2027.49,"end":2027.73,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0460510328412056},{"word":"ninety","start":2027.73,"end":2028.05,"confidence":1.0,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.0128311850130558},{"word":"days","start":2028.05,"end":2028.55,"confidence":0.9995117,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.01541931927204132},{"word":"it'll","start":2028.6901,"end":2029.0901,"confidence":0.9926758,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.006973234470933676},{"word":"kick","start":2029.0901,"end":2029.3301,"confidence":1.0,"punctuated_word":"kick","sentiment":"neutral","sentiment_score":0.01822404563426971},{"word":"in","start":2029.3301,"end":2029.65,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011541131883859634},{"word":"monthly","start":2029.65,"end":2030.15,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.00379384309053421},{"word":"all","start":2030.6901,"end":2030.85,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01159794256091118},{"word":"the","start":2030.85,"end":2030.93,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007807716727256775},{"word":"way","start":2030.93,"end":2031.17,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.01201409474015236},{"word":"up","start":2031.17,"end":2031.25,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0024960003793239594},{"word":"to","start":2031.25,"end":2031.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009930279105901718},{"word":"the","start":2031.41,"end":2031.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0029346123337745667},{"word":"age","start":2031.49,"end":2031.73,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.018869765102863312},{"word":"of","start":2031.73,"end":2031.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0008627399802207947},{"word":"65","start":2031.97,"end":2032.87,"confidence":0.9863281,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.0025665387511253357},{"word":"if","start":2033.01,"end":2033.17,"confidence":0.9013672,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02822932600975037},{"word":"an","start":2033.17,"end":2033.3301,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04165562242269516},{"word":"illness","start":2033.3301,"end":2033.73,"confidence":1.0,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.01670992746949196},{"word":"or","start":2033.73,"end":2033.89,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.062267012894153595},{"word":"injury","start":2033.89,"end":2034.37,"confidence":1.0,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.07802095264196396},{"word":"lasts","start":2034.37,"end":2034.6901,"confidence":0.94140625,"punctuated_word":"lasts","sentiment":"neutral","sentiment_score":-0.08619578182697296},{"word":"that","start":2034.6901,"end":2034.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08310684561729431},{"word":"long","start":2034.85,"end":2035.35,"confidence":0.9995117,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.07034876197576523},{"word":"you","start":2035.965,"end":2036.205,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04072415456175804},{"word":"do","start":2036.205,"end":2036.445,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.053037259727716446},{"word":"obviously","start":2036.445,"end":2036.765,"confidence":0.90722656,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.05833984911441803},{"word":"have","start":2036.765,"end":2037.005,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08057324588298798},{"word":"some","start":2037.005,"end":2037.245,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05413170158863067},{"word":"savings","start":2037.245,"end":2037.565,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05309111624956131},{"word":"there","start":2037.565,"end":2037.8049,"confidence":0.9379883,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06989707797765732},{"word":"so","start":2037.8049,"end":2037.965,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08193275332450867},{"word":"i'm","start":2037.965,"end":2038.125,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0892421156167984},{"word":"assuming","start":2038.125,"end":2038.625,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.07093323022127151},{"word":"a","start":2038.9249,"end":2039.005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04420612752437592},{"word":"couple","start":2039.005,"end":2039.245,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.036341432482004166},{"word":"of","start":2039.245,"end":2039.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04407824948430061},{"word":"months","start":2039.405,"end":2039.905,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.03402698412537575},{"word":"is","start":2040.045,"end":2040.205,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03857244551181793},{"word":"gonna","start":2040.205,"end":2040.445,"confidence":0.98291016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0611175000667572},{"word":"be","start":2040.445,"end":2040.605,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05048687756061554},{"word":"okay","start":2040.605,"end":2041.085,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05936478450894356},{"word":"to","start":2041.085,"end":2041.165,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017730429768562317},{"word":"wait","start":2041.165,"end":2041.405,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.023639079183340073},{"word":"before","start":2041.405,"end":2041.725,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.008041001856327057},{"word":"you","start":2041.725,"end":2041.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02391689643263817},{"word":"get","start":2041.885,"end":2042.205,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.012581169605255129},{"word":"payments","start":2042.205,"end":2042.705,"confidence":0.91503906,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.013203304260969162},{"word":"in","start":2043.165,"end":2043.325,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017827652394771576},{"word":"that","start":2043.325,"end":2043.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026063449680805206},{"word":"event","start":2043.485,"end":2043.885,"confidence":0.9970703,"punctuated_word":"event.","sentiment":"neutral","sentiment_score":0.0743212103843689},{"word":"is","start":2043.885,"end":2044.045,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.16547274589538574},{"word":"that","start":2044.045,"end":2044.545,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19725728034973145},{"word":"yep","start":2051.58,"end":2052.08,"confidence":0.8857422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18247739970684052},{"word":"perfect","start":2053.98,"end":2054.48,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5189023017883301},{"word":"now","start":2054.78,"end":2055.1,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.30759918689727783},{"word":"your","start":2055.1,"end":2055.34,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2609438896179199},{"word":"cover","start":2055.34,"end":2055.58,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2640955448150635},{"word":"amount","start":2055.58,"end":2055.98,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.3220110237598419},{"word":"is","start":2055.98,"end":2056.22,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2781420052051544},{"word":"$7,555","start":2056.22,"end":2059.02,"confidence":0.9995117,"punctuated_word":"$7,555","sentiment":"neutral","sentiment_score":0.21802960336208344},{"word":"per","start":2059.02,"end":2059.26,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1396550089120865},{"word":"month","start":2059.26,"end":2059.755,"confidence":0.93066406,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":0.18791113793849945},{"word":"and","start":2059.835,"end":2059.9949,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1912811249494553},{"word":"you","start":2059.9949,"end":2060.1548,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22084040939807892},{"word":"do","start":2060.1548,"end":2060.6548,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20697882771492004},{"word":"have","start":2061.035,"end":2061.1948,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2138568013906479},{"word":"indexation","start":2061.1948,"end":2061.6948,"confidence":0.89868164,"punctuated_word":"indexation","sentiment":"neutral","sentiment_score":0.17027240991592407},{"word":"on","start":2061.9148,"end":2061.9949,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20087899267673492},{"word":"that","start":2061.9949,"end":2062.315,"confidence":0.8366699,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.221188023686409},{"word":"so","start":2062.315,"end":2062.3948,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24481311440467832},{"word":"it","start":2062.3948,"end":2062.555,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23373310267925265},{"word":"does","start":2062.555,"end":2062.795,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.18603283166885376},{"word":"increase","start":2062.795,"end":2063.1948,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.1872338503599167},{"word":"with","start":2063.1948,"end":2063.4348,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1765870898962021},{"word":"inflation","start":2063.4348,"end":2063.9348,"confidence":0.8312988,"punctuated_word":"inflation.","sentiment":"neutral","sentiment_score":0.17128844559192655},{"word":"assuming","start":2065.035,"end":2065.515,"confidence":0.40771484,"punctuated_word":"Assuming","sentiment":"neutral","sentiment_score":0.06616638600826263},{"word":"i'm","start":2065.595,"end":2065.755,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05592440813779831},{"word":"just","start":2065.755,"end":2065.9148,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05033233016729355},{"word":"gonna","start":2065.9148,"end":2066.075,"confidence":0.94628906,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08070237934589386},{"word":"quickly","start":2066.075,"end":2066.3948,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.097050741314888},{"word":"work","start":2066.3948,"end":2066.6348,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05774686485528946},{"word":"back","start":2066.6348,"end":2066.875,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09389881789684296},{"word":"the","start":2066.875,"end":2067.115,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06208513304591179},{"word":"figures","start":2067.115,"end":2067.515,"confidence":1.0,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.07638626545667648},{"word":"here","start":2067.515,"end":2068.015,"confidence":0.9975586,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.02427961677312851},{"word":"so","start":2068.6348,"end":2068.875,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10627273470163344},{"word":"that's","start":2068.875,"end":2069.1948,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16604140400886536},{"word":"protecting","start":2069.1948,"end":2069.6948,"confidence":0.99902344,"punctuated_word":"protecting","sentiment":"neutral","sentiment_score":0.14968526363372803},{"word":"an","start":2069.755,"end":2069.9949,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15565229952335358},{"word":"income","start":2069.9949,"end":2070.4949,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.17984114587306976},{"word":"of","start":2070.555,"end":2070.9548,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15446031093597412},{"word":"130,000","start":2070.9548,"end":2072.4148,"confidence":0.9887207,"punctuated_word":"130,000,","sentiment":"neutral","sentiment_score":0.1717892289161682},{"word":"technically","start":2073.05,"end":2073.45,"confidence":1.0,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.10636624693870544},{"word":"speaking","start":2073.45,"end":2073.95,"confidence":0.9995117,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.1416226625442505},{"word":"i","start":2074.73,"end":2074.97,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19665096700191495},{"word":"think","start":2074.97,"end":2075.47,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.17218884825706482},{"word":"once","start":2075.53,"end":2075.85,"confidence":0.99121094,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.25968876481056213},{"word":"you","start":2075.85,"end":2076.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2129775583744049},{"word":"take","start":2076.01,"end":2076.25,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20827370882034305},{"word":"off","start":2076.25,"end":2076.41,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1474502682685852},{"word":"a","start":2076.41,"end":2076.49,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17207081615924835},{"word":"bit","start":2076.49,"end":2076.65,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1426614075899124},{"word":"of","start":2076.65,"end":2076.81,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12951204180717468},{"word":"tax","start":2076.81,"end":2077.05,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13179868459701538},{"word":"out","start":2077.05,"end":2077.21,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1657966673374176},{"word":"of","start":2077.21,"end":2077.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17048175632953644},{"word":"that","start":2077.29,"end":2077.53,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1541007161140442},{"word":"you'll","start":2077.53,"end":2077.69,"confidence":0.951416,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1743268072605133},{"word":"probably","start":2077.69,"end":2078.01,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.19015777111053467},{"word":"get","start":2078.01,"end":2078.25,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18395847082138064},{"word":"about","start":2078.25,"end":2078.57,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12194053828716278},{"word":"6","start":2078.57,"end":2078.89,"confidence":1.0,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.11380752921104433},{"word":"and","start":2078.89,"end":2079.05,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10375771671533585},{"word":"a","start":2079.05,"end":2079.13,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14840957522392273},{"word":"half","start":2079.13,"end":2079.3699,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.09484933316707612},{"word":"thousand","start":2079.3699,"end":2079.69,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.14569242298603058},{"word":"a","start":2079.69,"end":2079.77,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15326917171478271},{"word":"month","start":2079.77,"end":2080.01,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.12876778841018677},{"word":"around","start":2080.01,"end":2080.41,"confidence":0.6152344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.16750341653823853},{"word":"about","start":2080.41,"end":2080.91,"confidence":0.97802734,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.15110433101654053},{"word":"just","start":2080.97,"end":2081.21,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.16855396330356598},{"word":"double","start":2081.21,"end":2081.45,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1774728149175644},{"word":"checking","start":2081.45,"end":2081.85,"confidence":0.9980469,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.15643396973609924},{"word":"that","start":2081.85,"end":2082.01,"confidence":0.8881836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19592693448066711},{"word":"still","start":2082.01,"end":2082.49,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.15791040658950806},{"word":"covers","start":2082.49,"end":2082.81,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.16647092998027802},{"word":"the","start":2082.81,"end":2083.05,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1973915696144104},{"word":"expenses","start":2083.05,"end":2083.53,"confidence":1.0,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.16513165831565857},{"word":"for","start":2083.53,"end":2083.77,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16557492315769196},{"word":"you","start":2083.77,"end":2083.93,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15518644452095032},{"word":"guys","start":2083.93,"end":2084.43,"confidence":0.9980469,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.13653425872325897},{"word":"cool","start":2086.7449,"end":2087.2249,"confidence":0.9914551,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.33722615242004395},{"word":"because","start":2087.2249,"end":2087.545,"confidence":0.7294922,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.17128407955169678},{"word":"technically","start":2087.545,"end":2088.045,"confidence":0.7597656,"punctuated_word":"technically,","sentiment":"neutral","sentiment_score":0.13189184665679932},{"word":"you","start":2088.105,"end":2088.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21133729815483093},{"word":"can","start":2088.345,"end":2088.505,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19770964980125427},{"word":"go","start":2088.505,"end":2088.6648,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.16946068406105042},{"word":"for","start":2088.6648,"end":2088.9048,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09529940783977509},{"word":"more","start":2088.9048,"end":2089.2249,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09464997053146362},{"word":"based","start":2089.2249,"end":2089.4648,"confidence":0.99609375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.13050620257854462},{"word":"on","start":2089.4648,"end":2089.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12408679723739624},{"word":"the","start":2089.625,"end":2089.7048,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1340564489364624},{"word":"higher","start":2089.7048,"end":2089.9448,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1293545812368393},{"word":"income","start":2089.9448,"end":2090.345,"confidence":0.8100586,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.1177535429596901},{"word":"but","start":2090.345,"end":2090.585,"confidence":0.8815918,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.029319241642951965},{"word":"again","start":2090.585,"end":2091.085,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.03545110672712326},{"word":"if","start":2091.305,"end":2091.4648,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03054198622703552},{"word":"that","start":2091.4648,"end":2091.785,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.034007519483566284},{"word":"contract","start":2091.785,"end":2092.1848,"confidence":0.99902344,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":-0.09775818884372713},{"word":"is","start":2092.1848,"end":2092.505,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09190012514591216},{"word":"temporary","start":2092.505,"end":2092.825,"confidence":0.99609375,"punctuated_word":"temporary,","sentiment":"neutral","sentiment_score":-0.09594352543354034},{"word":"i","start":2092.825,"end":2092.9048,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10518807917833328},{"word":"don't","start":2092.9048,"end":2093.065,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1211673468351364},{"word":"wanna","start":2093.065,"end":2093.3848,"confidence":0.74902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.12213049083948135},{"word":"kind","start":2093.3848,"end":2093.625,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1326681822538376},{"word":"of","start":2093.625,"end":2093.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1333048939704895},{"word":"increase","start":2093.785,"end":2094.105,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.20097258687019348},{"word":"your","start":2094.105,"end":2094.345,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1350783109664917},{"word":"insurance","start":2094.345,"end":2094.7449,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.13716796040534973},{"word":"and","start":2094.7449,"end":2094.825,"confidence":0.68847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06699585914611816},{"word":"then","start":2094.825,"end":2095.065,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06546288728713989},{"word":"all","start":2095.065,"end":2095.1448,"confidence":0.9741211,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.09959983825683594},{"word":"of","start":2095.1448,"end":2095.2249,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11801346391439438},{"word":"a","start":2095.2249,"end":2095.305,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0764140635728836},{"word":"sudden","start":2095.305,"end":2095.625,"confidence":1.0,"punctuated_word":"sudden","sentiment":"neutral","sentiment_score":-0.10560157895088196},{"word":"have","start":2095.625,"end":2095.785,"confidence":0.83740234,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1281348615884781},{"word":"to","start":2095.785,"end":2095.9448,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10940272361040115},{"word":"decrease","start":2095.9448,"end":2096.345,"confidence":1.0,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.05406338721513748},{"word":"it","start":2096.345,"end":2096.505,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0874357745051384},{"word":"again","start":2096.505,"end":2096.9048,"confidence":0.8666992,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.10919830203056335},{"word":"and","start":2096.9048,"end":2097.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07475494593381882},{"word":"then","start":2097.065,"end":2097.2249,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.054452575743198395},{"word":"you","start":2097.2249,"end":2097.4648,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08023934066295624},{"word":"pay","start":2097.4648,"end":2097.785,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.0985213816165924},{"word":"more","start":2097.785,"end":2098.1848,"confidence":0.98535156,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.033187463879585266},{"word":"than","start":2098.1848,"end":2098.4248,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.00514095276594162},{"word":"what","start":2098.4248,"end":2098.585,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004892013967037201},{"word":"you","start":2098.585,"end":2098.7449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0023024603724479675},{"word":"can","start":2098.7449,"end":2098.9048,"confidence":0.9589844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02864544838666916},{"word":"claim","start":2098.9048,"end":2099.2249,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.0001799166202545166},{"word":"on","start":2099.2249,"end":2099.64,"confidence":0.99316406,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.033587392419576645},{"word":"perfect","start":2101.5598,"end":2102.0598,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.46950003504753113},{"word":"alrighty","start":2102.68,"end":2103.18,"confidence":0.9980469,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.3646157383918762},{"word":"simone","start":2103.7998,"end":2104.2798,"confidence":0.8757324,"punctuated_word":"Simone,","sentiment":"neutral","sentiment_score":0.3112708032131195},{"word":"we","start":2104.2798,"end":2104.44,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3047380745410919},{"word":"have","start":2104.44,"end":2104.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2618772089481354},{"word":"gone","start":2104.68,"end":2104.92,"confidence":0.9980469,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.22831380367279053},{"word":"through","start":2104.92,"end":2105.24,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24184997379779816},{"word":"quite","start":2105.24,"end":2105.5598,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.21927136182785031},{"word":"a","start":2105.5598,"end":2105.64,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25359973311424255},{"word":"few","start":2105.64,"end":2105.7998,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.19267705082893372},{"word":"different","start":2105.7998,"end":2106.1199,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.17609691619873047},{"word":"areas","start":2106.1199,"end":2106.5999,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.19249480962753296},{"word":"tonight","start":2106.5999,"end":2107.0999,"confidence":0.9995117,"punctuated_word":"tonight.","sentiment":"neutral","sentiment_score":0.2813214659690857},{"word":"do","start":2107.3198,"end":2107.48,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.15905682742595673},{"word":"you","start":2107.48,"end":2107.5598,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19449321925640103},{"word":"have","start":2107.5598,"end":2107.72,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15923529863357544},{"word":"any","start":2107.72,"end":2107.96,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11854521930217744},{"word":"questions","start":2107.96,"end":2108.2798,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.11244595050811768},{"word":"for","start":2108.2798,"end":2108.44,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12164844572544098},{"word":"me","start":2108.44,"end":2108.68,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16740211844444275},{"word":"so","start":2108.68,"end":2108.8398,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14873415231704712},{"word":"far","start":2108.8398,"end":2109.3398,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.13458150625228882},{"word":"okay","start":2111.48,"end":2111.7998,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06090036407113075},{"word":"so","start":2111.7998,"end":2112.2998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09724920988082886},{"word":"the","start":2112.585,"end":2112.7449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1387636959552765},{"word":"main","start":2112.7449,"end":2112.905,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.17444011569023132},{"word":"thing","start":2112.905,"end":2113.065,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17697933316230774},{"word":"we're","start":2113.065,"end":2113.305,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.17022500932216644},{"word":"gonna","start":2113.305,"end":2113.545,"confidence":0.9111328,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19771859049797055},{"word":"do","start":2113.545,"end":2113.785,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1574268788099289},{"word":"is","start":2113.785,"end":2114.105,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15207034349441528},{"word":"i'm","start":2114.105,"end":2114.265,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17510807514190674},{"word":"gonna","start":2114.265,"end":2114.505,"confidence":0.9819336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16738492250442505},{"word":"keep","start":2114.505,"end":2114.7449,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13426241278648376},{"word":"an","start":2114.7449,"end":2114.905,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15081049501895905},{"word":"eye","start":2114.905,"end":2115.2249,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.1221722811460495},{"word":"on","start":2115.2249,"end":2115.705,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1428644061088562},{"word":"your","start":2115.705,"end":2116.185,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15407317876815796},{"word":"super","start":2116.185,"end":2116.505,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2066899836063385},{"word":"investment","start":2116.505,"end":2116.9849,"confidence":0.9873047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06889525055885315},{"word":"options","start":2116.9849,"end":2117.465,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.09756618738174438},{"word":"for","start":2117.465,"end":2117.625,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1455232799053192},{"word":"the","start":2117.625,"end":2117.705,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1561432182788849},{"word":"next","start":2117.705,"end":2117.945,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.14491066336631775},{"word":"few","start":2117.945,"end":2118.105,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.11616627871990204},{"word":"months","start":2118.105,"end":2118.605,"confidence":0.9562988,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.15850049257278442},{"word":"and","start":2118.825,"end":2119.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14270517230033877},{"word":"then","start":2119.065,"end":2119.545,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1606707125902176},{"word":"i'll","start":2119.545,"end":2119.785,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1575148105621338},{"word":"get","start":2119.785,"end":2119.945,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15291762351989746},{"word":"in","start":2119.945,"end":2120.105,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16338784992694855},{"word":"touch","start":2120.105,"end":2120.345,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.15290890634059906},{"word":"with","start":2120.345,"end":2120.505,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20947663486003876},{"word":"you","start":2120.505,"end":2120.7449,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20015637576580048},{"word":"to","start":2120.7449,"end":2120.905,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17005091905593872},{"word":"review","start":2120.905,"end":2121.305,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15680654346942902},{"word":"whether","start":2121.305,"end":2121.545,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.16621944308280945},{"word":"we","start":2121.545,"end":2121.705,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17859932780265808},{"word":"need","start":2121.705,"end":2121.945,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1994086503982544},{"word":"to","start":2121.945,"end":2122.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18913733959198},{"word":"switch","start":2122.025,"end":2122.345,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.13438576459884644},{"word":"in","start":2122.345,"end":2122.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1634109616279602},{"word":"a","start":2122.905,"end":2123.065,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18871727585792544},{"word":"nice","start":2123.065,"end":2123.385,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.3099300265312195},{"word":"low","start":2123.385,"end":2123.705,"confidence":0.8774414,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.20670627057552335},{"word":"fee","start":2123.705,"end":2123.945,"confidence":1.0,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.2090902030467987},{"word":"option","start":2123.945,"end":2124.445,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.21616101264953613},{"word":"into","start":2124.8699,"end":2125.0298,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3076343536376953},{"word":"your","start":2125.0298,"end":2125.43,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2833637595176697},{"word":"australian","start":2125.43,"end":2125.91,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.2718019187450409},{"word":"shares","start":2125.91,"end":2126.41,"confidence":0.8964844,"punctuated_word":"shares.","sentiment":"neutral","sentiment_score":0.2023114562034607},{"word":"we'll","start":2126.63,"end":2126.8699,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.21338695287704468},{"word":"kind","start":2126.8699,"end":2127.1099,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24032728374004364},{"word":"of","start":2127.1099,"end":2127.2698,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17259696125984192},{"word":"leave","start":2127.2698,"end":2127.67,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.15852972865104675},{"word":"the","start":2127.67,"end":2127.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1762126386165619},{"word":"insurance","start":2127.99,"end":2128.49,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.1515188217163086},{"word":"alone","start":2128.5498,"end":2128.8699,"confidence":1.0,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":0.1641840636730194},{"word":"for","start":2128.8699,"end":2129.0298,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18127410113811493},{"word":"the","start":2129.0298,"end":2129.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1590956300497055},{"word":"time","start":2129.19,"end":2129.43,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18221557140350345},{"word":"being","start":2129.43,"end":2129.93,"confidence":0.7335205,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.16556330025196075},{"word":"and","start":2130.47,"end":2130.71,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17080749571323395},{"word":"then","start":2130.71,"end":2130.8699,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18197302520275116},{"word":"just","start":2130.8699,"end":2131.1099,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21975228190422055},{"word":"update","start":2131.1099,"end":2131.5098,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1902376264333725},{"word":"your","start":2131.5098,"end":2131.75,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.212480828166008},{"word":"estate","start":2131.75,"end":2132.0698,"confidence":0.984375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.2019035816192627},{"word":"planning","start":2132.0698,"end":2132.5698,"confidence":0.9621582,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.23513785004615784},{"word":"get","start":2132.71,"end":2132.8699,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2479250580072403},{"word":"your","start":2132.8699,"end":2133.1099,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2207399755716324},{"word":"beneficiaries","start":2133.1099,"end":2133.6099,"confidence":1.0,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.2699210047721863},{"word":"up","start":2134.15,"end":2134.3098,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24159039556980133},{"word":"to","start":2134.3098,"end":2134.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22906918823719025},{"word":"date","start":2134.39,"end":2134.63,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.24609899520874023},{"word":"as","start":2134.63,"end":2134.7898,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21863844990730288},{"word":"well","start":2134.7898,"end":2135.2898,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17249679565429688},{"word":"cool","start":2137.045,"end":2137.365,"confidence":0.9453125,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3794955015182495},{"word":"when","start":2137.365,"end":2137.605,"confidence":0.99902344,"punctuated_word":"When","sentiment":"positive","sentiment_score":0.3604578375816345},{"word":"it","start":2137.605,"end":2137.7651,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3135613799095154},{"word":"comes","start":2137.7651,"end":2138.0051,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.28237515687942505},{"word":"to","start":2138.0051,"end":2138.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.361628383398056},{"word":"your","start":2138.165,"end":2138.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3671087622642517},{"word":"personal","start":2138.325,"end":2138.645,"confidence":1.0,"punctuated_word":"personal","sentiment":"positive","sentiment_score":0.350033700466156},{"word":"investments","start":2138.645,"end":2139.145,"confidence":0.9909668,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.28540563583374023},{"word":"i'm","start":2139.285,"end":2139.7651,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4125803411006927},{"word":"totally","start":2139.7651,"end":2140.165,"confidence":1.0,"punctuated_word":"totally","sentiment":"positive","sentiment_score":0.4738811254501343},{"word":"fine","start":2140.165,"end":2140.405,"confidence":1.0,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.4074282646179199},{"word":"for","start":2140.405,"end":2140.485,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41902899742126465},{"word":"you","start":2140.485,"end":2140.645,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3896396458148956},{"word":"to","start":2140.645,"end":2140.805,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3886215090751648},{"word":"just","start":2140.805,"end":2140.965,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.39273563027381897},{"word":"keep","start":2140.965,"end":2141.125,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.419868528842926},{"word":"building","start":2141.125,"end":2141.445,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4716408550739288},{"word":"that","start":2141.445,"end":2141.605,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4170707762241363},{"word":"up","start":2141.605,"end":2141.845,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.45828184485435486},{"word":"as","start":2141.845,"end":2142.0051,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.43807679414749146},{"word":"you","start":2142.0051,"end":2142.245,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3391319811344147},{"word":"go","start":2142.245,"end":2142.725,"confidence":0.94873047,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.3212568759918213},{"word":"and","start":2142.725,"end":2142.885,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14928877353668213},{"word":"then","start":2142.885,"end":2143.125,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16313454508781433},{"word":"at","start":2143.125,"end":2143.205,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17135414481163025},{"word":"the","start":2143.205,"end":2143.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1479148119688034},{"word":"next","start":2143.365,"end":2143.685,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.13930916786193848},{"word":"review","start":2143.685,"end":2144.185,"confidence":0.9995117,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.11693590879440308},{"word":"we'll","start":2144.325,"end":2144.645,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1419050395488739},{"word":"kind","start":2144.645,"end":2144.805,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16162264347076416},{"word":"of","start":2144.805,"end":2144.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19293342530727384},{"word":"touch","start":2144.885,"end":2145.205,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.15867319703102112},{"word":"base","start":2145.205,"end":2145.445,"confidence":0.99902344,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.19059652090072632},{"word":"on","start":2145.445,"end":2145.685,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2451222836971283},{"word":"it","start":2145.685,"end":2145.925,"confidence":0.96362305,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.17848177254199982},{"word":"and","start":2145.925,"end":2146.085,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12253065407276154},{"word":"if","start":2146.085,"end":2146.245,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14496520161628723},{"word":"we","start":2146.245,"end":2146.405,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14893274009227753},{"word":"need","start":2146.405,"end":2146.645,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1233370378613472},{"word":"to","start":2146.645,"end":2146.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13231037557125092},{"word":"start","start":2146.805,"end":2147.045,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.11417379975318909},{"word":"using","start":2147.045,"end":2147.285,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.13193060457706451},{"word":"a","start":2147.285,"end":2147.445,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13550907373428345},{"word":"platform","start":2147.445,"end":2147.945,"confidence":0.99902344,"punctuated_word":"platform,","sentiment":"neutral","sentiment_score":0.14769557118415833},{"word":"we","start":2148.0051,"end":2148.085,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.193890780210495},{"word":"can","start":2148.085,"end":2148.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17562930285930634},{"word":"go","start":2148.8198,"end":2149.0598,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17738758027553558},{"word":"through","start":2149.0598,"end":2149.14,"confidence":0.9880371,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.16291604936122894},{"word":"like","start":2149.14,"end":2149.5398,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.15605750679969788},{"word":"that","start":2149.5398,"end":2149.78,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2187634110450745},{"word":"personal","start":2149.78,"end":2150.18,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.1169661581516266},{"word":"risk","start":2150.18,"end":2150.5,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.13598909974098206},{"word":"profile","start":2150.5,"end":2150.9,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.13719680905342102},{"word":"with","start":2150.9,"end":2151.14,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19434766471385956},{"word":"you","start":2151.14,"end":2151.46,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22297129034996033},{"word":"and","start":2151.46,"end":2151.7,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14367681741714478},{"word":"build","start":2151.7,"end":2151.94,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.19744472205638883},{"word":"you","start":2151.94,"end":2152.0999,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14426535367965698},{"word":"a","start":2152.0999,"end":2152.18,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09191030263900755},{"word":"bit","start":2152.18,"end":2152.3398,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11134631931781767},{"word":"of","start":2152.3398,"end":2152.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10817864537239076},{"word":"a","start":2152.42,"end":2152.5798,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1024351418018341},{"word":"portfolio","start":2152.5798,"end":2153.0798,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08318056911230087},{"word":"there","start":2153.22,"end":2153.46,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12898893654346466},{"word":"as","start":2153.46,"end":2153.6199,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1225784718990326},{"word":"well","start":2153.6199,"end":2154.1199,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10311184823513032},{"word":"okay","start":2156.18,"end":2156.68,"confidence":0.7426758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.035831306129693985},{"word":"oh","start":2164.7551,"end":2164.915,"confidence":0.83496094,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02510928176343441},{"word":"sorry","start":2164.915,"end":2165.155,"confidence":0.99853516,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.02591211348772049},{"word":"could","start":2165.155,"end":2165.315,"confidence":1.0,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":-0.025966856628656387},{"word":"you","start":2165.315,"end":2165.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01964307576417923},{"word":"repeat","start":2165.475,"end":2165.715,"confidence":1.0,"punctuated_word":"repeat","sentiment":"neutral","sentiment_score":-0.015556829050183296},{"word":"that","start":2165.715,"end":2165.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0135390292853117},{"word":"for","start":2165.955,"end":2166.0352,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.022843051701784137},{"word":"me","start":2166.0352,"end":2166.5352,"confidence":1.0,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.014034916646778584},{"word":"yep","start":2170.595,"end":2171.095,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0011525582522153854},{"word":"yes","start":2173.73,"end":2174.05,"confidence":0.97753906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03337383642792702},{"word":"that's","start":2174.05,"end":2174.3699,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.056526463478803635},{"word":"right","start":2174.3699,"end":2174.6099,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.04257640242576599},{"word":"i","start":2174.6099,"end":2174.69,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00443904846906662},{"word":"think","start":2174.69,"end":2174.93,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0011772103607654572},{"word":"the","start":2174.93,"end":2175.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0005850046873092651},{"word":"last","start":2175.01,"end":2175.3298,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.003670036792755127},{"word":"figure","start":2175.3298,"end":2175.5698,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.0041830576956272125},{"word":"i","start":2175.5698,"end":2175.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014637740328907968},{"word":"had","start":2175.65,"end":2175.89,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.022454094141721725},{"word":"when","start":2175.89,"end":2176.05,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.009644292294979095},{"word":"you","start":2176.05,"end":2176.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013834621757268906},{"word":"spoke","start":2176.21,"end":2176.3699,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.0003407523036003113},{"word":"to","start":2176.3699,"end":2176.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.000386066734790802},{"word":"dana","start":2176.53,"end":2176.93,"confidence":0.9838867,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.0063305627554655075},{"word":"was","start":2176.93,"end":2177.0898,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.011224478483200072},{"word":"5","start":2177.0898,"end":2177.41,"confidence":0.90966797,"punctuated_word":"5,","sentiment":"neutral","sentiment_score":0.007523059844970703},{"word":"and","start":2177.41,"end":2177.49,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004044642671942711},{"word":"you're","start":2177.49,"end":2177.73,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0021902970038354397},{"word":"sitting","start":2177.73,"end":2177.97,"confidence":0.9951172,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.008717820048332214},{"word":"at","start":2177.97,"end":2178.0498,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0008965916931629181},{"word":"you","start":2178.13,"end":2178.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007940877228975296},{"word":"said","start":2178.29,"end":2178.6099,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.0000777021050453186},{"word":"13","start":2178.6099,"end":2178.93,"confidence":0.97509766,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.011776937171816826},{"word":"to","start":2178.93,"end":2179.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004371341317892075},{"word":"14","start":2179.17,"end":2179.49,"confidence":1.0,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.008226415142416954},{"word":"at","start":2179.49,"end":2179.5698,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0003070160746574402},{"word":"the","start":2179.5698,"end":2179.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007306709885597229},{"word":"moment","start":2179.65,"end":2180.15,"confidence":0.9248047,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.008287569507956505},{"word":"yep","start":2182.05,"end":2182.55,"confidence":0.8930664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01809758134186268},{"word":"so","start":2186.3052,"end":2186.385,"confidence":0.8178711,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3586501181125641},{"word":"look","start":2186.385,"end":2186.5452,"confidence":0.50878906,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.31211644411087036},{"word":"all","start":2186.5452,"end":2186.7852,"confidence":0.9951172,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.13968409597873688},{"word":"in","start":2186.7852,"end":2187.0251,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07625880092382431},{"word":"all","start":2187.0251,"end":2187.5251,"confidence":0.98950195,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.045984357595443726},{"word":"mortgage","start":2187.585,"end":2187.985,"confidence":0.9526367,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.0001663416624069214},{"word":"is","start":2187.985,"end":2188.145,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1571512520313263},{"word":"going","start":2188.145,"end":2188.385,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.09033498167991638},{"word":"down","start":2188.385,"end":2188.705,"confidence":0.9108887,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.03623770922422409},{"word":"you've","start":2188.705,"end":2188.945,"confidence":0.9379883,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.040920428931713104},{"word":"still","start":2188.945,"end":2189.185,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0501369833946228},{"word":"got","start":2189.185,"end":2189.345,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07729407399892807},{"word":"some","start":2189.345,"end":2189.5051,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10380898416042328},{"word":"savings","start":2189.5051,"end":2189.8252,"confidence":0.86572266,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.15385931730270386},{"word":"and","start":2189.8252,"end":2189.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13385134935379028},{"word":"you're","start":2189.985,"end":2190.145,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15441322326660156},{"word":"building","start":2190.145,"end":2190.465,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.20566876232624057},{"word":"up","start":2190.465,"end":2190.5452,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.25353458523750305},{"word":"some","start":2190.5452,"end":2190.7852,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.25917020440101624},{"word":"investments","start":2190.7852,"end":2191.2651,"confidence":0.9707031,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.09405741095542908},{"word":"and","start":2191.2651,"end":2191.7651,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03069713339209557},{"word":"you","start":2191.8252,"end":2191.905,"confidence":0.93115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016477998346090317},{"word":"know","start":2191.905,"end":2192.0652,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.014659669250249864},{"word":"how","start":2192.0652,"end":2192.225,"confidence":0.9941406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02827419899404049},{"word":"we","start":2192.225,"end":2192.385,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04020758718252182},{"word":"were","start":2192.385,"end":2192.5452,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.023029834032058716},{"word":"talking","start":2192.5452,"end":2192.7852,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.03026370145380497},{"word":"about","start":2192.7852,"end":2193.0251,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04319882392883301},{"word":"the","start":2193.0251,"end":2193.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035881407558918},{"word":"offset","start":2193.185,"end":2193.5051,"confidence":0.99902344,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.037097297608852386},{"word":"account","start":2193.5051,"end":2193.985,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.026454109698534012},{"word":"idea","start":2193.985,"end":2194.3052,"confidence":0.99316406,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.02789766527712345},{"word":"before","start":2194.3052,"end":2194.8052,"confidence":0.9875488,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.02520938590168953},{"word":"if","start":2196.145,"end":2196.385,"confidence":0.9921875,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07706679403781891},{"word":"you","start":2196.385,"end":2196.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06586983799934387},{"word":"tend","start":2196.625,"end":2196.7852,"confidence":1.0,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.08205630630254745},{"word":"to","start":2196.7852,"end":2196.945,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06666000187397003},{"word":"just","start":2196.945,"end":2197.185,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07072298973798752},{"word":"build","start":2197.185,"end":2197.425,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.12898534536361694},{"word":"up","start":2197.425,"end":2197.5051,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12604404985904694},{"word":"your","start":2197.5051,"end":2197.665,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12200109660625458},{"word":"savings","start":2197.665,"end":2198.165,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.1199452206492424},{"word":"and","start":2198.3052,"end":2198.5452,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07979974150657654},{"word":"invest","start":2198.5452,"end":2198.865,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.07086946070194244},{"word":"money","start":2198.865,"end":2199.185,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1764262318611145},{"word":"on","start":2199.185,"end":2199.2651,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15906257927417755},{"word":"the","start":2199.2651,"end":2199.425,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11458701640367508},{"word":"side","start":2199.425,"end":2199.925,"confidence":1.0,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.13203737139701843},{"word":"it's","start":2200.07,"end":2200.31,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1378054916858673},{"word":"gonna","start":2200.31,"end":2200.47,"confidence":0.8989258,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1318863332271576},{"word":"have","start":2200.47,"end":2200.71,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14873576164245603},{"word":"a","start":2200.71,"end":2200.8699,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12162403762340546},{"word":"pretty","start":2200.8699,"end":2201.19,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.12215954810380936},{"word":"similar","start":2201.19,"end":2201.69,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.09243861585855484},{"word":"effect","start":2201.83,"end":2202.33,"confidence":0.99902344,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.1709008812904358},{"word":"of","start":2202.79,"end":2203.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07077320665121078},{"word":"building","start":2203.11,"end":2203.43,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.18557420372962952},{"word":"up","start":2203.43,"end":2203.59,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17940616607666016},{"word":"that","start":2203.59,"end":2203.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21812812983989716},{"word":"wealth","start":2203.83,"end":2204.15,"confidence":1.0,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.27764633297920227},{"word":"and","start":2204.15,"end":2204.31,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26433518528938293},{"word":"equity","start":2204.31,"end":2204.81,"confidence":1.0,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.3058947026729584},{"word":"much","start":2204.8699,"end":2205.11,"confidence":0.9970703,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.21819940209388733},{"word":"quicker","start":2205.11,"end":2205.43,"confidence":1.0,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.20309795439243317},{"word":"in","start":2205.43,"end":2205.59,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17068789899349213},{"word":"the","start":2205.59,"end":2205.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10965189337730408},{"word":"background","start":2205.67,"end":2206.17,"confidence":0.9951172,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.16171753406524658},{"word":"that","start":2206.71,"end":2207.03,"confidence":0.7050781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.044556982815265656},{"word":"at","start":2207.03,"end":2207.27,"confidence":0.8251953,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0367700569331646},{"word":"some","start":2207.27,"end":2207.43,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.041033096611499786},{"word":"point","start":2207.43,"end":2207.75,"confidence":0.9543457,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.057270511984825134},{"word":"you","start":2207.75,"end":2207.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06550554931163788},{"word":"could","start":2207.83,"end":2208.07,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07138364017009735},{"word":"possibly","start":2208.07,"end":2208.47,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.06002938374876976},{"word":"even","start":2208.47,"end":2208.71,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09590242803096773},{"word":"just","start":2208.71,"end":2209.11,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06780247390270233},{"word":"pay","start":2209.11,"end":2209.27,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08165689557790756},{"word":"off","start":2209.27,"end":2209.43,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.050755854696035385},{"word":"the","start":2209.43,"end":2209.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06043181195855141},{"word":"mortgage","start":2209.59,"end":2209.99,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.05253320559859276},{"word":"with","start":2209.99,"end":2210.23,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07622522115707397},{"word":"it","start":2210.23,"end":2210.39,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06360212713479996},{"word":"as","start":2210.39,"end":2210.63,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07883820682764053},{"word":"well","start":2210.63,"end":2211.13,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.057041071355342865},{"word":"you","start":2211.19,"end":2211.35,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.00299161858856678},{"word":"don't","start":2211.35,"end":2211.67,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.001286763115786016},{"word":"have","start":2211.67,"end":2211.91,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.014811325818300247},{"word":"to","start":2211.91,"end":2211.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018013199791312218},{"word":"go","start":2211.99,"end":2212.23,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.019425563514232635},{"word":"down","start":2212.23,"end":2212.47,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.012798067182302477},{"word":"that","start":2212.47,"end":2212.97,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012880399823188782},{"word":"that","start":2213.2551,"end":2213.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007389947772026062},{"word":"other","start":2213.495,"end":2213.655,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.00025489553809165955},{"word":"route","start":2213.655,"end":2213.895,"confidence":0.5097656,"punctuated_word":"route","sentiment":"neutral","sentiment_score":-0.0008420981466770172},{"word":"of","start":2213.895,"end":2214.135,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01873603463172913},{"word":"offset","start":2214.135,"end":2214.455,"confidence":0.9941406,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.001690693199634552},{"word":"accounts","start":2214.455,"end":2214.955,"confidence":0.9904785,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.0269182026386261},{"word":"investing","start":2215.2551,"end":2215.735,"confidence":1.0,"punctuated_word":"Investing","sentiment":"neutral","sentiment_score":0.07431814074516296},{"word":"does","start":2215.735,"end":2215.975,"confidence":0.9902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.0830753892660141},{"word":"the","start":2215.975,"end":2216.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08710615336894989},{"word":"same","start":2216.055,"end":2216.2952,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09292346239089966},{"word":"thing","start":2216.2952,"end":2216.5352,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1037648469209671},{"word":"too","start":2216.5352,"end":2217.0352,"confidence":0.99609375,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.08396050333976746},{"word":"so","start":2235.1099,"end":2235.51,"confidence":0.8364258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032940249890089035},{"word":"if","start":2235.51,"end":2235.8298,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027323661372065544},{"word":"i","start":2235.8298,"end":2235.91,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028717409819364548},{"word":"have","start":2235.91,"end":2236.39,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.050209976732730865},{"word":"a","start":2236.39,"end":2236.63,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04502667486667633},{"word":"look","start":2236.63,"end":2237.13,"confidence":0.9975586,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.0349130779504776},{"word":"i'm","start":2237.365,"end":2237.605,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07189758121967316},{"word":"gonna","start":2237.605,"end":2237.925,"confidence":0.9506836,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07024171948432922},{"word":"do","start":2237.925,"end":2238.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06308473646640778},{"word":"a","start":2238.085,"end":2238.165,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06568858027458191},{"word":"quick","start":2238.165,"end":2238.405,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07788485288619995},{"word":"progress","start":2238.405,"end":2238.885,"confidence":1.0,"punctuated_word":"progress","sentiment":"neutral","sentiment_score":0.06826777011156082},{"word":"update","start":2238.885,"end":2239.125,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09258382767438889},{"word":"with","start":2239.125,"end":2239.625,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07177068293094635},{"word":"you","start":2240.0051,"end":2240.245,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07044894993305206},{"word":"so","start":2240.245,"end":2240.5652,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12414515018463136},{"word":"we've","start":2240.5652,"end":2240.965,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.18750354647636416},{"word":"got","start":2240.965,"end":2241.465,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1846025586128235},{"word":"okay","start":2243.605,"end":2244.085,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2016623616218567},{"word":"so","start":2244.085,"end":2244.585,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3207501173019409},{"word":"you've","start":2245.365,"end":2245.605,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4011619091033935},{"word":"got","start":2245.605,"end":2245.845,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3788615763187408},{"word":"a","start":2245.845,"end":2245.925,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.33131635189056396},{"word":"pretty","start":2245.925,"end":2246.085,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4117880463600158},{"word":"good","start":2246.085,"end":2246.3252,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.39978376030921936},{"word":"balance","start":2246.3252,"end":2246.645,"confidence":1.0,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4405243396759033},{"word":"for","start":2246.645,"end":2246.8052,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37739628553390503},{"word":"your","start":2246.8052,"end":2247.0452,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2965303659439087},{"word":"age","start":2247.0452,"end":2247.5251,"confidence":0.9951172,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":0.32958418130874634},{"word":"it's","start":2247.5251,"end":2247.845,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4251216053962707},{"word":"pretty","start":2247.845,"end":2248.165,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.415225088596344},{"word":"well","start":2248.165,"end":2248.665,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4765264391899109},{"word":"straight","start":2248.885,"end":2249.205,"confidence":0.9970703,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.4342708885669708},{"word":"in","start":2249.205,"end":2249.445,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41810840368270874},{"word":"that","start":2249.445,"end":2249.685,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3899448812007904},{"word":"kind","start":2249.685,"end":2249.925,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.29148808121681213},{"word":"of","start":2249.925,"end":2250.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3268130123615265},{"word":"above","start":2250.405,"end":2250.725,"confidence":1.0,"punctuated_word":"above","sentiment":"positive","sentiment_score":0.37241923809051514},{"word":"average","start":2250.725,"end":2251.125,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.30416542291641235},{"word":"mark","start":2251.125,"end":2251.625,"confidence":0.9980469,"punctuated_word":"mark.","sentiment":"positive","sentiment_score":0.35070767998695374},{"word":"you're","start":2251.93,"end":2252.17,"confidence":0.9995117,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.23843654990196228},{"word":"in","start":2252.17,"end":2252.67,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2313997894525528},{"word":"high","start":2252.73,"end":2253.05,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2920178472995758},{"word":"growth","start":2253.05,"end":2253.37,"confidence":0.94628906,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.3472807705402374},{"word":"you're","start":2253.37,"end":2253.61,"confidence":1.0,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.3806201219558716},{"word":"getting","start":2253.61,"end":2253.85,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.4779280722141266},{"word":"good","start":2253.85,"end":2254.17,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4681641459465027},{"word":"contributions","start":2254.17,"end":2254.67,"confidence":1.0,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.591052770614624},{"word":"on","start":2255.05,"end":2255.29,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5383044481277466},{"word":"a","start":2255.29,"end":2255.37,"confidence":0.91748047,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4066304564476013},{"word":"high","start":2255.37,"end":2255.69,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.41548535227775574},{"word":"income","start":2255.69,"end":2256.19,"confidence":0.9951172,"punctuated_word":"income.","sentiment":"positive","sentiment_score":0.40953773260116577},{"word":"you'll","start":2256.81,"end":2257.21,"confidence":0.93481445,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.3023652732372284},{"word":"pretty","start":2257.21,"end":2257.53,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3374675214290619},{"word":"much","start":2257.53,"end":2257.85,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3113626539707184},{"word":"be","start":2257.85,"end":2258.09,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3071569502353668},{"word":"able","start":2258.09,"end":2258.33,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2848031520843506},{"word":"to","start":2258.33,"end":2258.41,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2879488468170166},{"word":"get","start":2258.41,"end":2258.65,"confidence":0.80859375,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.2782939672470093},{"word":"like","start":2258.65,"end":2258.81,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28895050287246704},{"word":"i'm","start":2259.05,"end":2259.29,"confidence":0.9797363,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1977008581161499},{"word":"not","start":2259.29,"end":2259.45,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.12012001127004623},{"word":"being","start":2259.45,"end":2259.95,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.08980279415845871},{"word":"facetious","start":2260.09,"end":2260.59,"confidence":0.982666,"punctuated_word":"facetious","sentiment":"neutral","sentiment_score":0.11630003154277802},{"word":"here","start":2260.73,"end":2260.97,"confidence":0.98950195,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.20220421254634857},{"word":"but","start":2260.97,"end":2261.45,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.24250969290733335},{"word":"we'll","start":2261.45,"end":2261.69,"confidence":0.9926758,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2923407256603241},{"word":"be","start":2261.69,"end":2261.85,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3679974675178528},{"word":"able","start":2261.85,"end":2262.01,"confidence":0.9892578,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.31102579832077026},{"word":"to","start":2262.01,"end":2262.09,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31337597966194153},{"word":"get","start":2262.09,"end":2262.33,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29767653346061707},{"word":"up","start":2262.33,"end":2262.49,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.28165072202682495},{"word":"to","start":2262.49,"end":2262.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.312994122505188},{"word":"anywhere","start":2263.29,"end":2263.69,"confidence":0.99609375,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.24067631363868713},{"word":"between","start":2263.69,"end":2264.09,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.19009628891944885},{"word":"1.2","start":2264.09,"end":2264.81,"confidence":1.0,"punctuated_word":"1.2","sentiment":"neutral","sentiment_score":0.2530205249786377},{"word":"to","start":2264.81,"end":2264.97,"confidence":0.9277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15267258882522583},{"word":"$2,000,000","start":2264.97,"end":2265.77,"confidence":0.99902344,"punctuated_word":"$2,000,000","sentiment":"neutral","sentiment_score":0.2705032229423523},{"word":"in","start":2265.77,"end":2266.09,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2747882008552551},{"word":"super","start":2266.09,"end":2266.59,"confidence":0.96875,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3776859641075134},{"word":"by","start":2266.635,"end":2266.795,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2543109655380249},{"word":"the","start":2266.795,"end":2266.955,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2249656468629837},{"word":"time","start":2266.955,"end":2267.115,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2359590530395508},{"word":"you","start":2267.115,"end":2267.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1867431402206421},{"word":"hit","start":2267.275,"end":2267.515,"confidence":1.0,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.18172739446163175},{"word":"that","start":2267.515,"end":2267.7551,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17405053973197937},{"word":"kind","start":2267.7551,"end":2267.915,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1463051736354828},{"word":"of","start":2267.915,"end":2268.155,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15077437460422516},{"word":"60","start":2268.155,"end":2268.635,"confidence":0.9213867,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.14931218326091766},{"word":"67","start":2268.635,"end":2269.275,"confidence":0.99902344,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.17535698413848877},{"word":"mark","start":2269.275,"end":2269.775,"confidence":0.9802246,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.15981897711753845},{"word":"trying","start":2270.875,"end":2271.195,"confidence":0.9980469,"punctuated_word":"Trying","sentiment":"neutral","sentiment_score":-0.0010077636688947678},{"word":"to","start":2271.195,"end":2271.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01899312436580658},{"word":"retire","start":2271.355,"end":2271.675,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.002256549894809723},{"word":"earlier","start":2271.675,"end":2272.075,"confidence":0.9970703,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.02194201946258545},{"word":"at","start":2272.075,"end":2272.315,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.00812307745218277},{"word":"60","start":2272.315,"end":2272.635,"confidence":1.0,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.019031479954719543},{"word":"means","start":2272.635,"end":2272.875,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.028385940939188004},{"word":"that","start":2272.875,"end":2272.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00793059915304184},{"word":"we're","start":2272.955,"end":2273.115,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.011706995777785778},{"word":"gonna","start":2273.115,"end":2273.355,"confidence":0.91845703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.009198606014251707},{"word":"have","start":2273.355,"end":2273.515,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.030121684074401855},{"word":"to","start":2273.515,"end":2273.595,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01360909640789032},{"word":"settle","start":2273.595,"end":2273.915,"confidence":1.0,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":0.005444437265396118},{"word":"for","start":2273.915,"end":2274.075,"confidence":0.9838867,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.0023882389068603516},{"word":"like","start":2274.075,"end":2274.235,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.007400814443826675},{"word":"the","start":2274.235,"end":2274.395,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009996570646762848},{"word":"mortgage","start":2274.395,"end":2274.875,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.02423979341983795},{"word":"paid","start":2274.875,"end":2275.115,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.054917678236961365},{"word":"off","start":2275.115,"end":2275.615,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.037681400775909424},{"word":"and","start":2275.675,"end":2275.835,"confidence":0.6425781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06713789701461792},{"word":"a","start":2275.835,"end":2275.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07360221445560455},{"word":"million","start":2275.995,"end":2276.315,"confidence":0.96972656,"punctuated_word":"million,","sentiment":"neutral","sentiment_score":0.07997646182775497},{"word":"which","start":2276.315,"end":2276.555,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07962053269147873},{"word":"will","start":2276.555,"end":2276.715,"confidence":0.98095703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06066662073135376},{"word":"get","start":2276.715,"end":2276.875,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11322763562202454},{"word":"you","start":2276.875,"end":2277.035,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08737190812826157},{"word":"about","start":2277.035,"end":2277.275,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06997890025377274},{"word":"that","start":2277.275,"end":2277.775,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09291870892047882},{"word":"thousand","start":2277.835,"end":2278.235,"confidence":0.9902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.08956985175609589},{"word":"dollars","start":2278.235,"end":2278.555,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.08925778418779373},{"word":"a","start":2278.555,"end":2278.715,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06192822754383087},{"word":"week","start":2278.715,"end":2279.1,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.023787636309862137},{"word":"tax","start":2279.58,"end":2279.9001,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10471513867378236},{"word":"free","start":2279.9001,"end":2280.1401,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.1552746444940567},{"word":"as","start":2280.1401,"end":2280.3801,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17677223682403564},{"word":"well","start":2280.3801,"end":2280.8801,"confidence":0.99365234,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16416114568710327},{"word":"so","start":2280.9402,"end":2281.1802,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1622926890850067},{"word":"i","start":2281.1802,"end":2281.26,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1626562625169754},{"word":"think","start":2281.26,"end":2281.6602,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.20644263923168185},{"word":"you","start":2281.6602,"end":2281.9001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18320314586162567},{"word":"can","start":2281.9001,"end":2282.1401,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18365725874900815},{"word":"pretty","start":2282.1401,"end":2282.3,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.21216139197349548},{"word":"much","start":2282.3,"end":2282.54,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1834301650524139},{"word":"get","start":2282.54,"end":2282.86,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1969113647937775},{"word":"to","start":2282.86,"end":2283.1,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2239045798778534},{"word":"most","start":2283.1,"end":2283.4202,"confidence":0.99609375,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.21231621503829956},{"word":"common","start":2283.4202,"end":2283.9202,"confidence":1.0,"punctuated_word":"common","sentiment":"neutral","sentiment_score":0.22136974334716797},{"word":"retirement","start":2283.98,"end":2284.48,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.15831193327903748},{"word":"goals","start":2284.54,"end":2284.9402,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.2609406113624573},{"word":"as","start":2284.9402,"end":2285.1802,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21926867961883545},{"word":"is","start":2285.1802,"end":2285.6802,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1674618273973465},{"word":"without","start":2285.82,"end":2286.2202,"confidence":0.99121094,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.1230100616812706},{"word":"having","start":2286.2202,"end":2286.4602,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.004562102258205414},{"word":"to","start":2286.4602,"end":2286.62,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017289016395807266},{"word":"do","start":2286.62,"end":2286.78,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.018025696277618408},{"word":"the","start":2286.78,"end":2286.9402,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01081923395395279},{"word":"salary","start":2286.9402,"end":2287.4202,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.06396074593067169},{"word":"sacrifice","start":2287.4202,"end":2287.9202,"confidence":1.0,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":-0.02275477536022663},{"word":"the","start":2289.58,"end":2289.74,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02091245725750923},{"word":"question","start":2289.74,"end":2290.1401,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.021289661526679993},{"word":"is","start":2290.1401,"end":2290.6401,"confidence":0.8161621,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.02409309148788452},{"word":"if","start":2291.595,"end":2291.755,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02648116834461689},{"word":"we","start":2291.755,"end":2291.9949,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021616268903017044},{"word":"do","start":2291.9949,"end":2292.315,"confidence":0.99194336,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.018998591229319572},{"word":"let's","start":2292.315,"end":2292.635,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.025740971788764},{"word":"say","start":2292.635,"end":2293.135,"confidence":0.98999023,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03680963069200516},{"word":"50","start":2293.195,"end":2293.515,"confidence":0.98535156,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.04192017763853073},{"word":"a","start":2293.515,"end":2293.595,"confidence":0.9160156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029540682211518288},{"word":"week","start":2293.595,"end":2293.755,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.022723328322172165},{"word":"of","start":2293.755,"end":2293.915,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006648823618888855},{"word":"salary","start":2293.915,"end":2294.395,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.004212677478790283},{"word":"sacrifice","start":2294.395,"end":2294.875,"confidence":0.8071289,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":0.008414218202233315},{"word":"so","start":2294.875,"end":2295.035,"confidence":0.38427734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0339873805642128},{"word":"i'll","start":2295.035,"end":2295.115,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.039062824100255966},{"word":"use","start":2295.115,"end":2295.355,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.05140846222639084},{"word":"a","start":2295.355,"end":2295.435,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04701054468750954},{"word":"100","start":2295.435,"end":2295.755,"confidence":1.0,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.06423334777355194},{"word":"as","start":2295.755,"end":2295.915,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04760463535785675},{"word":"an","start":2295.915,"end":2296.075,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.040803708136081696},{"word":"example","start":2296.075,"end":2296.575,"confidence":0.9008789,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.031683892011642456},{"word":"put","start":2297.595,"end":2297.835,"confidence":0.99316406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.035056568682193756},{"word":"a","start":2297.835,"end":2297.9949,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05208655819296837},{"word":"100","start":2297.9949,"end":2298.315,"confidence":0.99902344,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.05348890274763107},{"word":"in","start":2298.315,"end":2298.635,"confidence":0.73291016,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.03633315861225128},{"word":"because","start":2298.635,"end":2298.955,"confidence":0.9970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.026008576154708862},{"word":"of","start":2298.955,"end":2299.115,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024111401289701465},{"word":"your","start":2299.115,"end":2299.355,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05084896460175514},{"word":"tax","start":2299.355,"end":2299.675,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06779812276363373},{"word":"rate","start":2299.675,"end":2299.835,"confidence":0.9904785,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.055640194565057755},{"word":"it","start":2299.835,"end":2299.9949,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0130544975399971},{"word":"costs","start":2299.9949,"end":2300.315,"confidence":0.9536133,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.04703257232904434},{"word":"you","start":2300.315,"end":2300.395,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01944036036729813},{"word":"about","start":2300.395,"end":2300.715,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.00020629912614822388},{"word":"70","start":2300.715,"end":2301.035,"confidence":1.0,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.019849397242069244},{"word":"out","start":2301.035,"end":2301.275,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.004861839115619659},{"word":"of","start":2301.275,"end":2301.355,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02782988548278809},{"word":"pocket","start":2301.355,"end":2301.835,"confidence":1.0,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.003954902291297913},{"word":"to","start":2301.835,"end":2301.9949,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017282627522945404},{"word":"get","start":2301.9949,"end":2302.155,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06258942186832428},{"word":"that","start":2302.155,"end":2302.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0323360338807106},{"word":"100","start":2302.395,"end":2302.715,"confidence":0.9892578,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.060901377350091934},{"word":"into","start":2302.715,"end":2303.115,"confidence":0.9404297,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04670211672782898},{"word":"super","start":2303.115,"end":2303.615,"confidence":0.9892578,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.053240180015563965},{"word":"that's","start":2304.16,"end":2304.4,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1276947259902954},{"word":"obviously","start":2304.4,"end":2304.9,"confidence":0.98291016,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.12249788641929626},{"word":"gonna","start":2304.96,"end":2305.28,"confidence":0.85546875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12372949719429016},{"word":"speed","start":2305.28,"end":2305.52,"confidence":0.99902344,"punctuated_word":"speed","sentiment":"neutral","sentiment_score":0.22305844724178311},{"word":"things","start":2305.52,"end":2305.76,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3384336829185486},{"word":"up","start":2305.76,"end":2306.0,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3402171730995178},{"word":"a","start":2306.0,"end":2306.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2291056513786316},{"word":"little","start":2306.08,"end":2306.32,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13503766059875488},{"word":"bit","start":2306.32,"end":2306.82,"confidence":0.92871094,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.17632488906383514},{"word":"and","start":2307.28,"end":2307.76,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10915002226829527},{"word":"then","start":2307.76,"end":2308.0,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08301715552806854},{"word":"the","start":2308.0,"end":2308.24,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06057649105787277},{"word":"flip","start":2308.24,"end":2308.48,"confidence":1.0,"punctuated_word":"flip","sentiment":"neutral","sentiment_score":0.08143077045679092},{"word":"side","start":2308.48,"end":2308.72,"confidence":0.96875,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1071985438466072},{"word":"to","start":2308.72,"end":2308.8801,"confidence":0.94189453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09474249184131622},{"word":"that","start":2308.8801,"end":2309.3801,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07776729762554169},{"word":"is","start":2309.68,"end":2310.16,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08144482225179672},{"word":"the","start":2310.16,"end":2310.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09084245562553406},{"word":"family","start":2310.4,"end":2310.8,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.07003620266914368},{"word":"building","start":2310.8,"end":2311.3,"confidence":0.99853516,"punctuated_word":"building.","sentiment":"neutral","sentiment_score":0.18215467035770416},{"word":"so","start":2311.76,"end":2312.16,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0589107945561409},{"word":"do","start":2312.16,"end":2312.32,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0414036437869072},{"word":"you","start":2312.32,"end":2312.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01048617996275425},{"word":"think","start":2312.4,"end":2312.8,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007815178483724594},{"word":"you're","start":2312.8,"end":2313.04,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01270157005637884},{"word":"gonna","start":2313.04,"end":2313.28,"confidence":0.9667969,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01247510313987732},{"word":"be","start":2313.28,"end":2313.44,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0021853819489479065},{"word":"potentially","start":2313.44,"end":2313.94,"confidence":0.9980469,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.020364586263895035},{"word":"going","start":2314.08,"end":2314.32,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.006337225437164307},{"word":"on","start":2314.32,"end":2314.82,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.007904868572950363},{"word":"maternity","start":2315.04,"end":2315.54,"confidence":0.9980469,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.002054201439023018},{"word":"leave","start":2315.6,"end":2315.84,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.05066998302936554},{"word":"in","start":2315.84,"end":2316.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009010236710309982},{"word":"the","start":2316.0,"end":2316.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006608486175537109},{"word":"next","start":2316.08,"end":2316.32,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.001401010900735855},{"word":"twelve","start":2316.32,"end":2316.64,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.02553652599453926},{"word":"to","start":2316.64,"end":2316.8,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017390958964824677},{"word":"twenty","start":2316.8,"end":2317.04,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.02838929742574692},{"word":"four","start":2317.04,"end":2317.28,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.010159142315387726},{"word":"months","start":2317.28,"end":2317.68,"confidence":0.8815918,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.009601887315511703},{"word":"or","start":2317.68,"end":2318.0,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01264762133359909},{"word":"what's","start":2318.0,"end":2318.24,"confidence":0.98950195,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.00301486998796463},{"word":"your","start":2318.24,"end":2318.74,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0017873682081699371},{"word":"your","start":2318.975,"end":2319.055,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02905835211277008},{"word":"family","start":2319.055,"end":2319.535,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.06730031967163086},{"word":"planning","start":2319.535,"end":2320.035,"confidence":0.70751953,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.1276746243238449},{"word":"look","start":2321.295,"end":2321.795,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05429380387067795},{"word":"like","start":2323.055,"end":2323.555,"confidence":0.9975586,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":0.1405927836894989},{"word":"yep","start":2328.175,"end":2328.415,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02409113012254238},{"word":"and","start":2328.415,"end":2328.655,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07187987864017487},{"word":"would","start":2328.655,"end":2328.815,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07650382071733475},{"word":"you","start":2328.815,"end":2328.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11839822679758072},{"word":"probably","start":2328.895,"end":2329.215,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1860381066799164},{"word":"take","start":2329.215,"end":2329.455,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.179301917552948},{"word":"off","start":2329.455,"end":2329.775,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.12625136971473694},{"word":"the","start":2329.775,"end":2330.0151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16825366020202637},{"word":"the","start":2330.0151,"end":2330.175,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1518692523241043},{"word":"full","start":2330.175,"end":2330.415,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.22310329973697665},{"word":"twelve","start":2330.415,"end":2330.655,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.17683950066566467},{"word":"months","start":2330.655,"end":2330.975,"confidence":0.9848633,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.1398160755634308},{"word":"do","start":2330.975,"end":2331.055,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07535235583782196},{"word":"you","start":2331.055,"end":2331.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06856708228588104},{"word":"think","start":2331.135,"end":2331.63,"confidence":0.9995117,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.1210840567946434},{"word":"yeah","start":2346.445,"end":2346.7651,"confidence":0.904541,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042273737490177155},{"word":"gotcha","start":2346.7651,"end":2347.165,"confidence":0.90494794,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.03177512809634209},{"word":"gotcha","start":2347.165,"end":2347.645,"confidence":0.99869794,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.03276462480425835},{"word":"so","start":2347.645,"end":2348.145,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03558511659502983},{"word":"between","start":2348.925,"end":2349.425,"confidence":0.89208984,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.02630966156721115},{"word":"the","start":2349.565,"end":2350.045,"confidence":0.9289551,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.025457581505179405},{"word":"like","start":2350.045,"end":2350.365,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04205999523401261},{"word":"centrelink","start":2350.365,"end":2350.865,"confidence":0.9863281,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.0842251256108284},{"word":"maternity","start":2350.925,"end":2351.405,"confidence":0.984375,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.05214342847466469},{"word":"leave","start":2351.405,"end":2351.905,"confidence":0.97021484,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":0.05072923004627228},{"word":"i'm","start":2352.285,"end":2352.525,"confidence":0.94555664,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.06752141565084457},{"word":"assuming","start":2352.525,"end":2353.0051,"confidence":0.99902344,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.06013216823339462},{"word":"department","start":2353.0051,"end":2353.5051,"confidence":0.5126953,"punctuated_word":"department","sentiment":"neutral","sentiment_score":0.06848208606243134},{"word":"of","start":2353.565,"end":2353.725,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08396925032138824},{"word":"education","start":2353.725,"end":2354.225,"confidence":0.9970703,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.08570490777492523},{"word":"has","start":2354.285,"end":2354.685,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05279191955924034},{"word":"maternity","start":2354.685,"end":2355.185,"confidence":0.9980469,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.04665180668234825},{"word":"leave","start":2355.245,"end":2355.405,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.027378015220165253},{"word":"there","start":2355.405,"end":2355.645,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07762981951236725},{"word":"as","start":2355.645,"end":2355.805,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.061424124985933304},{"word":"well","start":2355.805,"end":2356.29,"confidence":0.8684082,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05470686033368111},{"word":"yep","start":2357.57,"end":2358.07,"confidence":0.9692383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1078965663909912},{"word":"so","start":2358.29,"end":2358.69,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13654349744319916},{"word":"that'll","start":2358.69,"end":2359.01,"confidence":0.99609375,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.14199581742286682},{"word":"keep","start":2359.01,"end":2359.25,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.18153703212738037},{"word":"the","start":2359.25,"end":2359.4102,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1819499433040619},{"word":"income","start":2359.4102,"end":2359.73,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.27083560824394226},{"word":"going","start":2359.73,"end":2359.97,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2485119104385376},{"word":"for","start":2359.97,"end":2360.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15527689456939697},{"word":"a","start":2360.21,"end":2360.29,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19732451438903809},{"word":"little","start":2360.29,"end":2360.45,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13952843844890594},{"word":"while","start":2360.45,"end":2360.95,"confidence":0.83569336,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":0.1440134048461914},{"word":"and","start":2361.17,"end":2361.4102,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09769509732723236},{"word":"then","start":2361.4102,"end":2361.9102,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12623922526836395},{"word":"i","start":2362.29,"end":2362.4102,"confidence":0.9667969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025713220238685608},{"word":"i","start":2362.4102,"end":2362.53,"confidence":0.6166992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004772111773490906},{"word":"probably","start":2362.53,"end":2362.85,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0027566105127334595},{"word":"wouldn't","start":2362.85,"end":2363.17,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.019267192110419273},{"word":"be","start":2363.17,"end":2363.33,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12981034815311432},{"word":"salary","start":2363.33,"end":2363.81,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.14261718094348907},{"word":"sacrificing","start":2363.81,"end":2364.31,"confidence":1.0,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.14282438158988953},{"word":"too","start":2364.53,"end":2364.77,"confidence":0.99121094,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2293163388967514},{"word":"heavy","start":2364.77,"end":2365.27,"confidence":1.0,"punctuated_word":"heavy","sentiment":"neutral","sentiment_score":-0.1890793740749359},{"word":"if","start":2365.6501,"end":2365.8901,"confidence":0.6533203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11488117277622224},{"word":"you're","start":2365.8901,"end":2366.1301,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.18751023709774017},{"word":"about","start":2366.1301,"end":2366.37,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2123846709728241},{"word":"to","start":2366.37,"end":2366.53,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2284969985485077},{"word":"kind","start":2366.53,"end":2366.69,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.248622864484787},{"word":"of","start":2366.69,"end":2366.93,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26234424114227295},{"word":"slow","start":2366.93,"end":2367.17,"confidence":0.9980469,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.16098399460315704},{"word":"down","start":2367.17,"end":2367.4102,"confidence":0.9345703,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.19402386248111725},{"word":"stop","start":2367.4102,"end":2367.73,"confidence":0.9980469,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.17506955564022064},{"word":"work","start":2367.73,"end":2367.8901,"confidence":0.9875488,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.18427976965904236},{"word":"and","start":2367.8901,"end":2368.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1490323543548584},{"word":"then","start":2368.05,"end":2368.21,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0853765681385994},{"word":"go","start":2368.21,"end":2368.45,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.15326139330863953},{"word":"part","start":2368.45,"end":2368.69,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.05086282640695572},{"word":"time","start":2368.69,"end":2368.93,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.09387439489364624},{"word":"for","start":2368.93,"end":2369.17,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12935896217823029},{"word":"a","start":2369.17,"end":2369.25,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11264165490865707},{"word":"period","start":2369.25,"end":2369.75,"confidence":0.9797363,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":-0.08529888093471527},{"word":"it'll","start":2369.81,"end":2370.1301,"confidence":0.88793945,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.03501007705926895},{"word":"probably","start":2370.1301,"end":2370.45,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.025990795344114304},{"word":"be","start":2370.45,"end":2370.53,"confidence":0.9863281,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07545734941959381},{"word":"something","start":2370.53,"end":2370.85,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1039588451385498},{"word":"to","start":2370.85,"end":2371.01,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07513944804668427},{"word":"do","start":2371.01,"end":2371.17,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0961191952228546},{"word":"after","start":2371.17,"end":2371.4102,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.09902741760015488},{"word":"that","start":2371.4102,"end":2371.875,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06966538727283478},{"word":"i","start":2374.115,"end":2374.355,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0057816654443740845},{"word":"will","start":2374.355,"end":2374.515,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.01069466769695282},{"word":"just","start":2374.515,"end":2374.755,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022902369499206543},{"word":"give","start":2374.755,"end":2374.915,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.03399437665939331},{"word":"you","start":2374.915,"end":2375.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07061976939439774},{"word":"a","start":2375.075,"end":2375.315,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1032927930355072},{"word":"quick","start":2375.315,"end":2375.815,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.11660262197256088},{"word":"idea","start":2375.875,"end":2376.195,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.08070137351751328},{"word":"of","start":2376.195,"end":2376.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12612994015216827},{"word":"what","start":2376.355,"end":2376.595,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0886196494102478},{"word":"it","start":2376.595,"end":2376.675,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06127426028251648},{"word":"kind","start":2376.675,"end":2376.995,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04662235081195831},{"word":"of","start":2376.995,"end":2377.075,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11526266485452652},{"word":"does","start":2377.075,"end":2377.395,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.04332862049341202},{"word":"if","start":2377.395,"end":2377.555,"confidence":0.5107422,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13981494307518005},{"word":"that","start":2377.555,"end":2377.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09955836832523346},{"word":"makes","start":2377.715,"end":2377.955,"confidence":0.9892578,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.08659986406564713},{"word":"sense","start":2377.955,"end":2378.195,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.0490180104970932},{"word":"just","start":2378.195,"end":2378.355,"confidence":0.88964844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1568879783153534},{"word":"so","start":2378.355,"end":2378.595,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10519662499427795},{"word":"you","start":2378.595,"end":2378.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13192985951900482},{"word":"can","start":2378.675,"end":2378.835,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1702594757080078},{"word":"see","start":2378.835,"end":2379.335,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.24566611647605896},{"word":"the","start":2379.555,"end":2379.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20865091681480408},{"word":"impact","start":2379.795,"end":2380.195,"confidence":1.0,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":0.19041480123996735},{"word":"of","start":2380.195,"end":2380.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1120000034570694},{"word":"it","start":2380.355,"end":2380.595,"confidence":0.9038086,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07918255776166916},{"word":"but","start":2380.595,"end":2380.835,"confidence":0.9790039,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.017648011445999146},{"word":"i'm","start":2380.835,"end":2381.155,"confidence":0.77124023,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.40711843967437744},{"word":"definitely","start":2381.155,"end":2381.475,"confidence":0.89208984,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.37984636425971985},{"word":"not","start":2381.475,"end":2381.555,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7028899192810059},{"word":"gonna","start":2381.555,"end":2381.875,"confidence":0.95703125,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.6976420879364014},{"word":"recommend","start":2381.875,"end":2382.195,"confidence":1.0,"punctuated_word":"recommend","sentiment":"negative","sentiment_score":-0.6562715172767639},{"word":"it","start":2382.195,"end":2382.355,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6684290766716003},{"word":"for","start":2382.355,"end":2382.595,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.6856396198272705},{"word":"this","start":2382.595,"end":2382.755,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.7067624926567078},{"word":"year","start":2382.755,"end":2383.255,"confidence":0.9995117,"punctuated_word":"year.","sentiment":"negative","sentiment_score":-0.5645825862884521},{"word":"so","start":2384.69,"end":2384.93,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0650852620601654},{"word":"let's","start":2384.93,"end":2385.25,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.007380316965281963},{"word":"say","start":2385.25,"end":2385.49,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.01757816970348358},{"word":"you've","start":2385.49,"end":2385.8098,"confidence":0.9909668,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.000398293137550354},{"word":"got","start":2385.8098,"end":2386.21,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.008286479860544205},{"word":"your","start":2386.21,"end":2386.71,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014697987586259842},{"word":"contributions","start":2386.8499,"end":2387.3499,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.0012116655707359314},{"word":"coming","start":2387.5698,"end":2387.8098,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.005890250205993652},{"word":"in","start":2387.8098,"end":2388.0498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01947881281375885},{"word":"from","start":2388.0498,"end":2388.21,"confidence":0.9873047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.00932815670967102},{"word":"work","start":2388.21,"end":2388.71,"confidence":0.7976074,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.014636769890785216},{"word":"call","start":2389.01,"end":2389.25,"confidence":0.91015625,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.005296152085065842},{"word":"it","start":2389.25,"end":2389.41,"confidence":0.9160156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015546940267086027},{"word":"about","start":2389.41,"end":2389.91,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.010588392615318298},{"word":"$1,314,000","start":2390.2898,"end":2391.8298,"confidence":0.9724121,"punctuated_word":"$1,314,000","sentiment":"neutral","sentiment_score":0.022055067121982574},{"word":"after","start":2392.5298,"end":2392.93,"confidence":0.984375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.02990145981311798},{"word":"tax","start":2392.93,"end":2393.43,"confidence":0.98291016,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.030768854543566704},{"word":"your","start":2394.6099,"end":2394.93,"confidence":0.99902344,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.021410416811704636},{"word":"current","start":2394.93,"end":2395.25,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.010323695838451384},{"word":"balance","start":2395.25,"end":2395.5698,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.011069171130657196},{"word":"is","start":2395.5698,"end":2395.8098,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006077930331230164},{"word":"146,000","start":2395.8098,"end":2397.51,"confidence":0.98999023,"punctuated_word":"146,000.","sentiment":"neutral","sentiment_score":0.019873913377523426},{"word":"and","start":2397.9248,"end":2398.1648,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0012279897928237915},{"word":"do","start":2398.1648,"end":2398.2449,"confidence":0.9819336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003246638923883438},{"word":"you","start":2398.2449,"end":2398.4048,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003027975559234619},{"word":"remember","start":2398.4048,"end":2398.6448,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.007270935922861099},{"word":"that","start":2398.6448,"end":2398.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0024545863270759583},{"word":"benchmark","start":2398.885,"end":2399.285,"confidence":1.0,"punctuated_word":"benchmark","sentiment":"neutral","sentiment_score":-0.008205167949199677},{"word":"i","start":2399.285,"end":2399.365,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.019229166209697723},{"word":"was","start":2399.365,"end":2399.525,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05987367406487465},{"word":"saying","start":2399.525,"end":2399.765,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.025578267872333527},{"word":"that","start":2399.765,"end":2399.9248,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03370976820588112},{"word":"10%","start":2399.9248,"end":2400.4849,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.030561253428459167},{"word":"is","start":2400.4849,"end":2400.6448,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07245747745037079},{"word":"kind","start":2400.6448,"end":2400.885,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09430746734142303},{"word":"of","start":2400.885,"end":2400.9648,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09676865488290788},{"word":"the","start":2400.9648,"end":2401.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11463215947151184},{"word":"average","start":2401.125,"end":2401.4448,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.10909508168697356},{"word":"we're","start":2401.4448,"end":2401.605,"confidence":0.86938477,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0519864521920681},{"word":"aiming","start":2401.605,"end":2401.845,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":-0.029447555541992188},{"word":"for","start":2401.845,"end":2402.345,"confidence":0.9951172,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.04855049028992653},{"word":"so","start":2404.1648,"end":2404.325,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14006324112415314},{"word":"if","start":2404.325,"end":2404.4849,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19469034671783447},{"word":"we","start":2404.4849,"end":2404.6448,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1937635838985443},{"word":"go","start":2404.6448,"end":2404.885,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.173289954662323},{"word":"for","start":2404.885,"end":2405.045,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21022531390190125},{"word":"the","start":2405.045,"end":2405.2048,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21350976824760437},{"word":"next","start":2405.2048,"end":2405.7048,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.21032124757766724},{"word":"thirty","start":2407.525,"end":2407.9248,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.15351584553718567},{"word":"years","start":2407.9248,"end":2408.2449,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.11762794107198717},{"word":"or","start":2408.2449,"end":2408.4048,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15765148401260376},{"word":"so","start":2408.4048,"end":2408.9048,"confidence":0.99853516,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.202350452542305},{"word":"it","start":2409.605,"end":2409.765,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3638935089111328},{"word":"starts","start":2409.765,"end":2410.1648,"confidence":0.99902344,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.3294582962989807},{"word":"to","start":2410.1648,"end":2410.2449,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3142225444316864},{"word":"look","start":2410.2449,"end":2410.4849,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.2694125175476074},{"word":"quite","start":2410.4849,"end":2410.805,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.4469989240169525},{"word":"silly","start":2410.805,"end":2411.2048,"confidence":1.0,"punctuated_word":"silly","sentiment":"negative","sentiment_score":-0.35554075241088867},{"word":"if","start":2411.2048,"end":2411.365,"confidence":0.9892578,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3639649450778961},{"word":"you","start":2411.365,"end":2411.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25417953729629517},{"word":"stay","start":2411.525,"end":2411.845,"confidence":0.5805664,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.3128792345523834},{"word":"high","start":2411.845,"end":2412.005,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.24258825182914737},{"word":"growth","start":2412.005,"end":2412.325,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.13850559294223783},{"word":"and","start":2412.325,"end":2412.4849,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.257083535194397},{"word":"earn","start":2412.4849,"end":2412.7249,"confidence":0.9838867,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.2055855095386505},{"word":"that","start":2412.7249,"end":2412.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16954880952835083},{"word":"amount","start":2412.885,"end":2413.385,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.12470504641532898},{"word":"where","start":2413.76,"end":2414.26,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.09960844367742538},{"word":"even","start":2414.3198,"end":2414.56,"confidence":0.9448242,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.18074777722358704},{"word":"in","start":2414.56,"end":2414.8,"confidence":0.984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17350956797599792},{"word":"twenty","start":2414.8,"end":2415.1199,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.14607466757297516},{"word":"years'","start":2415.1199,"end":2415.44,"confidence":0.8408203,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":-0.15041068196296692},{"word":"time","start":2415.44,"end":2415.92,"confidence":0.9658203,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.1826643943786621},{"word":"you","start":2415.92,"end":2416.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2669258117675781},{"word":"could","start":2416.0798,"end":2416.3198,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.26421085000038147},{"word":"be","start":2416.3198,"end":2416.4,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.21461054682731628},{"word":"sitting","start":2416.4,"end":2416.64,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.14723122119903564},{"word":"there","start":2416.64,"end":2416.88,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.13999783992767334},{"word":"with","start":2416.88,"end":2417.04,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.18256613612174988},{"word":"1","start":2417.04,"end":2417.28,"confidence":1.0,"punctuated_word":"1","sentiment":"neutral","sentiment_score":-0.10785852372646332},{"word":"and","start":2417.28,"end":2417.44,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1045682057738304},{"word":"a","start":2417.44,"end":2417.52,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14205506443977356},{"word":"half","start":2417.52,"end":2417.68,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.1007145494222641},{"word":"million","start":2417.68,"end":2418.18,"confidence":0.9980469,"punctuated_word":"million.","sentiment":"neutral","sentiment_score":-0.059098534286022186},{"word":"now","start":2421.1199,"end":2421.3599,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.04059328883886337},{"word":"if","start":2421.3599,"end":2421.52,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.009970825165510178},{"word":"i","start":2421.52,"end":2421.76,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01847963035106659},{"word":"bump","start":2421.76,"end":2422.0798,"confidence":0.8286133,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.05200664699077606},{"word":"that","start":2422.0798,"end":2422.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03981390595436096},{"word":"up","start":2422.24,"end":2422.64,"confidence":0.97314453,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.01498287171125412},{"word":"say","start":2422.64,"end":2423.14,"confidence":0.96240234,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.04542065039277077},{"word":"a","start":2423.8398,"end":2424.0,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.047059066593647},{"word":"$100","start":2424.0,"end":2424.64,"confidence":0.99902344,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.0936741977930069},{"word":"a","start":2424.64,"end":2424.72,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05341888219118118},{"word":"week","start":2424.72,"end":2425.22,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.045176900923252106},{"word":"and","start":2427.215,"end":2427.455,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015363410115242004},{"word":"we","start":2427.455,"end":2427.695,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.029091328382492065},{"word":"look","start":2427.695,"end":2427.855,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01840230822563171},{"word":"at","start":2427.855,"end":2428.0151,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.021949365735054016},{"word":"the","start":2428.0151,"end":2428.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0035368576645851135},{"word":"twenty","start":2428.095,"end":2428.495,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1604316234588623},{"word":"years","start":2428.495,"end":2428.995,"confidence":0.96118164,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.0861579179763794},{"word":"for","start":2429.455,"end":2429.695,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07038091123104095},{"word":"every","start":2429.695,"end":2429.935,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0637902244925499},{"word":"$100","start":2429.935,"end":2430.415,"confidence":0.9863281,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.11325632780790328},{"word":"a","start":2430.415,"end":2430.5752,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0905667245388031},{"word":"week","start":2430.5752,"end":2430.8152,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.11745353788137436},{"word":"that","start":2430.8152,"end":2430.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1258174031972885},{"word":"you","start":2430.975,"end":2431.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0582687109708786},{"word":"do","start":2431.215,"end":2431.5352,"confidence":0.99902344,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.08307134360074997},{"word":"you","start":2431.5352,"end":2431.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06354278326034546},{"word":"probably","start":2431.695,"end":2432.0151,"confidence":0.85253906,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1298949420452118},{"word":"get","start":2432.0151,"end":2432.175,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06931819021701813},{"word":"an","start":2432.175,"end":2432.335,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0015459805727005005},{"word":"extra","start":2432.335,"end":2432.655,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.00614851713180542},{"word":"100","start":2432.655,"end":2432.975,"confidence":0.79248047,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.09672106057405472},{"word":"to","start":2432.975,"end":2433.215,"confidence":0.5463867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010408416390419006},{"word":"150,000","start":2433.215,"end":2434.335,"confidence":0.9234619,"punctuated_word":"150,000","sentiment":"neutral","sentiment_score":0.21437892317771912},{"word":"in","start":2434.335,"end":2434.495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02756732702255249},{"word":"retirement","start":2434.495,"end":2434.995,"confidence":0.9875488,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.025546614080667496},{"word":"so","start":2437.5352,"end":2438.0352,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23464229702949524},{"word":"what","start":2438.4502,"end":2438.6902,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.26334279775619507},{"word":"i","start":2438.6902,"end":2438.77,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33997493982315063},{"word":"would","start":2438.77,"end":2439.01,"confidence":0.7080078,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3696637153625488},{"word":"probably","start":2439.01,"end":2439.4102,"confidence":1.0,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.35942313075065613},{"word":"envision","start":2439.4102,"end":2439.81,"confidence":0.99902344,"punctuated_word":"envision","sentiment":"positive","sentiment_score":0.3362416625022888},{"word":"for","start":2439.81,"end":2439.9702,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3601761758327484},{"word":"you","start":2439.9702,"end":2440.1301,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3575723171234131},{"word":"is","start":2440.1301,"end":2440.29,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3370402753353119},{"word":"just","start":2440.29,"end":2440.4502,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3646142184734345},{"word":"if","start":2440.4502,"end":2440.61,"confidence":0.9560547,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3690415024757385},{"word":"you","start":2440.61,"end":2440.6902,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4057585597038269},{"word":"can","start":2440.6902,"end":2440.9302,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3695686161518097},{"word":"still","start":2440.9302,"end":2441.25,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.35165804624557495},{"word":"maintain","start":2441.25,"end":2441.6501,"confidence":1.0,"punctuated_word":"maintain","sentiment":"positive","sentiment_score":0.35029137134552},{"word":"your","start":2441.6501,"end":2441.81,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4765033423900604},{"word":"high","start":2441.81,"end":2442.05,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.48443588614463806},{"word":"income","start":2442.05,"end":2442.4502,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.587494969367981},{"word":"long","start":2442.4502,"end":2442.6902,"confidence":0.90722656,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5453473329544067},{"word":"term","start":2442.6902,"end":2443.1902,"confidence":1.0,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5267952084541321},{"word":"and","start":2443.25,"end":2443.4902,"confidence":0.9892578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.43715426325798035},{"word":"the","start":2443.4902,"end":2443.6501,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.564124345779419},{"word":"high","start":2443.6501,"end":2443.8901,"confidence":1.0,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.556411862373352},{"word":"growth","start":2443.8901,"end":2444.1301,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6060118079185486},{"word":"investments","start":2444.1301,"end":2444.6301,"confidence":0.8937988,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.30943232774734497},{"word":"once","start":2445.33,"end":2445.6501,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2905408442020416},{"word":"you","start":2445.6501,"end":2445.8901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28219273686408997},{"word":"finish","start":2445.8901,"end":2446.37,"confidence":0.84472656,"punctuated_word":"finish","sentiment":"positive","sentiment_score":0.3518982529640198},{"word":"the","start":2446.37,"end":2446.61,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4022072553634643},{"word":"family","start":2446.61,"end":2447.09,"confidence":1.0,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.38033759593963623},{"word":"building","start":2447.09,"end":2447.59,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.4532039165496826},{"word":"and","start":2447.7302,"end":2447.9702,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31694865226745605},{"word":"you","start":2447.9702,"end":2448.1301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3146291971206665},{"word":"do","start":2448.1301,"end":2448.4502,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35178840160369873},{"word":"just","start":2448.4502,"end":2448.61,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3675532341003418},{"word":"a","start":2448.61,"end":2448.77,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38829922676086426},{"word":"couple","start":2448.77,"end":2449.01,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2895880341529846},{"word":"of","start":2449.01,"end":2449.1702,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3780805766582489},{"word":"years","start":2449.1702,"end":2449.4102,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.3060109615325928},{"word":"of","start":2449.4102,"end":2449.6501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33045265078544617},{"word":"salary","start":2449.6501,"end":2450.1301,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.23366236686706543},{"word":"sacrifice","start":2450.1301,"end":2450.53,"confidence":0.99316406,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.2434101998806},{"word":"to","start":2450.53,"end":2450.6902,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23151569068431857},{"word":"catch","start":2450.6902,"end":2450.9302,"confidence":1.0,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.3419674038887024},{"word":"you","start":2450.9302,"end":2451.09,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23090878129005432},{"word":"back","start":2451.09,"end":2451.25,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2363521158695221},{"word":"up","start":2451.25,"end":2451.4102,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.20383642613887787},{"word":"again","start":2451.4102,"end":2451.9102,"confidence":0.9970703,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.22542256116867063},{"word":"you","start":2452.115,"end":2452.275,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16752009093761444},{"word":"probably","start":2452.275,"end":2452.595,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.09788022190332411},{"word":"won't","start":2452.595,"end":2452.9148,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.08045964688062668},{"word":"have","start":2452.9148,"end":2453.075,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03557715564966202},{"word":"to","start":2453.075,"end":2453.2349,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010323390364646912},{"word":"do","start":2453.2349,"end":2453.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.016041964292526245},{"word":"it","start":2453.315,"end":2453.555,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016604140400886536},{"word":"until","start":2453.555,"end":2454.035,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.016283899545669556},{"word":"that","start":2454.035,"end":2454.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08608374744653702},{"word":"point","start":2454.275,"end":2454.775,"confidence":0.8405762,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.05493742600083351},{"word":"and","start":2454.9949,"end":2455.155,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04122374579310417},{"word":"then","start":2455.155,"end":2455.2349,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0815022736787796},{"word":"you","start":2455.2349,"end":2455.4749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.059966079890728},{"word":"probably","start":2455.4749,"end":2455.7148,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01607964187860489},{"word":"don't","start":2455.7148,"end":2455.875,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.054563235491514206},{"word":"have","start":2455.875,"end":2456.035,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.040590859949588776},{"word":"to","start":2456.035,"end":2456.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006816878914833069},{"word":"do","start":2456.115,"end":2456.1948,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.052619799971580505},{"word":"it","start":2456.1948,"end":2456.275,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.031230971217155457},{"word":"for","start":2456.275,"end":2456.515,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04890517145395279},{"word":"more","start":2456.515,"end":2456.595,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.10999643802642822},{"word":"than","start":2456.595,"end":2456.7148,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.04729805886745453},{"word":"a","start":2456.7148,"end":2456.835,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.021118279546499252},{"word":"couple","start":2456.835,"end":2457.155,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.003385797142982483},{"word":"of","start":2457.155,"end":2457.2349,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022870473563671112},{"word":"years","start":2457.2349,"end":2457.7349,"confidence":1.0,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.0533306784927845},{"word":"k","start":2459.555,"end":2460.035,"confidence":0.91918945,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.1545521318912506},{"word":"so","start":2460.035,"end":2460.1948,"confidence":0.95410156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13797029852867126},{"word":"there's","start":2460.1948,"end":2460.4348,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12530580163002014},{"word":"no","start":2460.4348,"end":2460.595,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.05276240408420563},{"word":"there's","start":2460.595,"end":2460.835,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.021458789706230164},{"word":"no","start":2460.835,"end":2460.9949,"confidence":0.99609375,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0015282630920410156},{"word":"rush","start":2460.9949,"end":2461.2349,"confidence":0.9904785,"punctuated_word":"rush.","sentiment":"neutral","sentiment_score":-0.03493271768093109},{"word":"i","start":2461.2349,"end":2461.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06325386464595795},{"word":"don't","start":2461.315,"end":2461.555,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05445651337504387},{"word":"see","start":2461.555,"end":2461.7148,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.13621509075164795},{"word":"you","start":2461.7148,"end":2461.9548,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08731052279472351},{"word":"heavily","start":2461.9548,"end":2462.355,"confidence":0.99902344,"punctuated_word":"heavily","sentiment":"neutral","sentiment_score":-0.10830436646938324},{"word":"behind","start":2462.355,"end":2462.6748,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.15067104995250702},{"word":"that","start":2462.6748,"end":2462.835,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09189468622207642},{"word":"you","start":2462.835,"end":2462.9949,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09824956953525545},{"word":"need","start":2462.9949,"end":2463.155,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1310778558254242},{"word":"to","start":2463.155,"end":2463.2349,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09783530980348588},{"word":"play","start":2463.2349,"end":2463.4749,"confidence":0.99902344,"punctuated_word":"play","sentiment":"neutral","sentiment_score":-0.20579679310321808},{"word":"catch","start":2463.4749,"end":2463.7148,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.1874029040336609},{"word":"up","start":2463.7148,"end":2463.875,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12769627571105957},{"word":"or","start":2463.875,"end":2464.035,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1402014046907425},{"word":"anything","start":2464.035,"end":2464.535,"confidence":0.9580078,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.04015585780143738},{"word":"and","start":2465.6,"end":2465.76,"confidence":0.87841797,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07386872917413712},{"word":"obviously","start":2465.76,"end":2466.16,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.06633055210113525},{"word":"people","start":2466.16,"end":2466.48,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.05096721649169922},{"word":"talk","start":2466.48,"end":2466.8,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.047079019248485565},{"word":"about","start":2466.8,"end":2467.04,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.043528102338314056},{"word":"tax","start":2467.04,"end":2467.36,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1205560863018036},{"word":"benefits","start":2467.36,"end":2467.86,"confidence":1.0,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.043755389750003815},{"word":"and","start":2467.92,"end":2468.42,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020412512123584747},{"word":"and","start":2468.48,"end":2468.72,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02535845711827278},{"word":"that","start":2468.72,"end":2468.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03338444605469704},{"word":"kind","start":2468.96,"end":2469.12,"confidence":0.8671875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04031461477279663},{"word":"of","start":2469.12,"end":2469.2,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07201677560806274},{"word":"thing","start":2469.2,"end":2469.52,"confidence":0.86499023,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.11096157133579254},{"word":"but","start":2469.52,"end":2470.02,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13394653797149658},{"word":"you've","start":2470.16,"end":2470.4,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11794191598892212},{"word":"got","start":2470.4,"end":2470.6401,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16072745621204376},{"word":"so","start":2470.6401,"end":2470.8,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.21869397163391113},{"word":"many","start":2470.8,"end":2471.04,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.1974594444036484},{"word":"different","start":2471.04,"end":2471.28,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.15746015310287476},{"word":"areas","start":2471.28,"end":2471.68,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.2090683877468109},{"word":"you","start":2471.68,"end":2471.84,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27212128043174744},{"word":"could","start":2471.84,"end":2472.0,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.32659780979156494},{"word":"use","start":2472.0,"end":2472.48,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.2570745050907135},{"word":"your","start":2472.48,"end":2472.72,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2799793779850006},{"word":"cash","start":2472.72,"end":2472.96,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.1951134204864502},{"word":"flow","start":2472.96,"end":2473.28,"confidence":0.9760742,"punctuated_word":"flow","sentiment":"positive","sentiment_score":0.3844788670539856},{"word":"for","start":2473.28,"end":2473.76,"confidence":0.8640137,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.23798298835754397},{"word":"the","start":2473.76,"end":2474.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24084407091140747},{"word":"mortgage","start":2474.0,"end":2474.48,"confidence":1.0,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.19283342361450195},{"word":"the","start":2474.48,"end":2474.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31795239448547363},{"word":"investments","start":2474.72,"end":2475.22,"confidence":0.9777832,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.1785546839237213},{"word":"and","start":2475.36,"end":2475.52,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21059629321098328},{"word":"the","start":2475.52,"end":2475.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.269287109375},{"word":"super","start":2475.68,"end":2476.18,"confidence":0.92285156,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.23530355095863345},{"word":"you","start":2476.32,"end":2476.56,"confidence":0.9892578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06299730390310287},{"word":"know","start":2476.56,"end":2476.8,"confidence":0.84594727,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10319548100233078},{"word":"what's","start":2476.8,"end":2477.04,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.13154184818267822},{"word":"the","start":2477.04,"end":2477.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1982433795928955},{"word":"priority","start":2477.28,"end":2477.78,"confidence":0.9616699,"punctuated_word":"priority?","sentiment":"neutral","sentiment_score":0.17879992723464966},{"word":"does","start":2479.745,"end":2479.905,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.19698700308799744},{"word":"that","start":2479.905,"end":2480.0652,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2945118546485901},{"word":"make","start":2480.0652,"end":2480.3052,"confidence":0.9941406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20414236187934875},{"word":"sense","start":2480.3052,"end":2480.8052,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.18011048436164856},{"word":"yep","start":2481.905,"end":2482.405,"confidence":0.9194336,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3775701522827149},{"word":"cool","start":2482.705,"end":2483.205,"confidence":0.9980469,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.48351800441741943},{"word":"i'll","start":2483.905,"end":2484.0652,"confidence":0.92626953,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3156959116458893},{"word":"put","start":2484.0652,"end":2484.225,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.30176666378974915},{"word":"a","start":2484.225,"end":2484.3052,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.297645628452301},{"word":"few","start":2484.3052,"end":2484.465,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.16950228810310364},{"word":"notes","start":2484.465,"end":2484.705,"confidence":1.0,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.1690511554479599},{"word":"on","start":2484.705,"end":2484.865,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21516093611717224},{"word":"the","start":2484.865,"end":2484.945,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2362067848443985},{"word":"file","start":2484.945,"end":2485.2651,"confidence":0.8659668,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.23918135464191437},{"word":"obviously","start":2485.2651,"end":2485.5852,"confidence":0.99072266,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.1570554077625275},{"word":"we'll","start":2485.5852,"end":2485.8252,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.169197678565979},{"word":"come","start":2485.8252,"end":2485.985,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.23831488192081451},{"word":"back","start":2485.985,"end":2486.145,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2416871339082718},{"word":"to","start":2486.145,"end":2486.225,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.216075599193573},{"word":"that","start":2486.225,"end":2486.465,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2726210057735443},{"word":"over","start":2486.465,"end":2486.625,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2643759846687317},{"word":"the","start":2486.625,"end":2486.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2375890463590622},{"word":"next","start":2486.705,"end":2486.945,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2061290293931961},{"word":"few","start":2486.945,"end":2487.185,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.16897982358932495},{"word":"years","start":2487.185,"end":2487.425,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.19278469681739807},{"word":"as","start":2487.425,"end":2487.5852,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27008718252182007},{"word":"well","start":2487.5852,"end":2487.745,"confidence":0.984375,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.20909607410430908},{"word":"but","start":2487.745,"end":2487.905,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13224872946739197},{"word":"i","start":2487.905,"end":2487.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29497092962265015},{"word":"hope","start":2487.985,"end":2488.145,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.41430532932281494},{"word":"that","start":2488.145,"end":2488.385,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39973217248916626},{"word":"kinda","start":2488.385,"end":2488.625,"confidence":0.67089844,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3587760925292969},{"word":"helps","start":2488.625,"end":2488.865,"confidence":0.99902344,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.35345733165740967},{"word":"a","start":2488.865,"end":2488.945,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38721364736557007},{"word":"little","start":2488.945,"end":2489.185,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3215171694755554},{"word":"bit","start":2489.185,"end":2489.685,"confidence":0.99902344,"punctuated_word":"bit.","sentiment":"positive","sentiment_score":0.3913187384605408},{"word":"the","start":2496.96,"end":2497.2,"confidence":0.95703125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.28303787112236023},{"word":"full","start":2497.2,"end":2497.52,"confidence":0.84765625,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.5415610671043396},{"word":"savings","start":2497.52,"end":2498.0,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.320438027381897},{"word":"aspect","start":2498.0,"end":2498.5,"confidence":0.91625977,"punctuated_word":"aspect.","sentiment":"neutral","sentiment_score":0.30876225233078003},{"word":"yeah","start":2501.84,"end":2502.34,"confidence":0.751709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08106864988803864},{"word":"yeah","start":2514.9202,"end":2515.4202,"confidence":0.7709961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2353719174861908},{"word":"i","start":2515.4802,"end":2515.7202,"confidence":0.9902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4470815658569336},{"word":"get","start":2515.7202,"end":2515.9602,"confidence":0.99316406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5554039478302002},{"word":"you","start":2515.9602,"end":2516.4602,"confidence":0.98706055,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.49931201338768005},{"word":"yeah","start":2520.52,"end":2520.84,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10339882969856262},{"word":"there's","start":2520.84,"end":2521.08,"confidence":0.99609375,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.049356382340192795},{"word":"that","start":2521.08,"end":2521.4001,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03161252662539482},{"word":"too","start":2521.4001,"end":2521.7202,"confidence":0.98876953,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.03532617911696434},{"word":"and","start":2521.7202,"end":2522.2202,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015033964067697523},{"word":"do","start":2522.6,"end":2522.76,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.004843425005674362},{"word":"you","start":2522.76,"end":2522.84,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01400710642337799},{"word":"know","start":2522.84,"end":2523.0,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.01031722128391266},{"word":"if","start":2523.0,"end":2523.1602,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.020927410572767258},{"word":"with","start":2523.1602,"end":2523.32,"confidence":0.9140625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.011136211454868317},{"word":"the","start":2523.32,"end":2523.56,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018624015152454376},{"word":"department","start":2523.56,"end":2523.8801,"confidence":0.74902344,"punctuated_word":"Department","sentiment":"neutral","sentiment_score":-0.007652044296264648},{"word":"of","start":2523.8801,"end":2524.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007485583424568176},{"word":"education","start":2524.12,"end":2524.6,"confidence":0.91381836,"punctuated_word":"Education,","sentiment":"neutral","sentiment_score":0.020304495468735695},{"word":"i","start":2524.6,"end":2524.6802,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04243268817663193},{"word":"know","start":2524.6802,"end":2524.9202,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04084391891956329},{"word":"they've","start":2524.9202,"end":2525.1602,"confidence":0.9995117,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.04323586076498032},{"word":"been","start":2525.1602,"end":2525.4001,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.048179179430007935},{"word":"going","start":2525.4001,"end":2525.7202,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08344729244709015},{"word":"through","start":2525.7202,"end":2526.2202,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07282941043376923},{"word":"and","start":2526.36,"end":2526.6802,"confidence":0.9160156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07069911807775497},{"word":"updating","start":2526.6802,"end":2527.1802,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.03681715577840805},{"word":"ebas","start":2527.7202,"end":2528.2002,"confidence":0.8027344,"punctuated_word":"EBAs","sentiment":"neutral","sentiment_score":0.049256257712841034},{"word":"and","start":2528.2002,"end":2528.36,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06686222553253174},{"word":"agreements","start":2528.36,"end":2528.86,"confidence":0.99902344,"punctuated_word":"agreements","sentiment":"neutral","sentiment_score":0.047862425446510315},{"word":"with","start":2529.335,"end":2529.575,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06240835785865784},{"word":"the","start":2529.575,"end":2529.7349,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05088280141353607},{"word":"departments","start":2529.7349,"end":2530.2349,"confidence":0.99609375,"punctuated_word":"departments","sentiment":"neutral","sentiment_score":0.03512747585773468},{"word":"across","start":2530.375,"end":2530.6948,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.04083405062556267},{"word":"the","start":2530.6948,"end":2530.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0343923345208168},{"word":"different","start":2530.855,"end":2531.1748,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0045629218220710754},{"word":"states","start":2531.1748,"end":2531.6748,"confidence":0.99902344,"punctuated_word":"states","sentiment":"neutral","sentiment_score":0.002734653651714325},{"word":"pretty","start":2531.815,"end":2532.1348,"confidence":0.9892578,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.005171049386262894},{"word":"regularly","start":2532.1348,"end":2532.6348,"confidence":0.7807617,"punctuated_word":"regularly?","sentiment":"neutral","sentiment_score":-0.005019828677177429},{"word":"and","start":2540.055,"end":2540.555,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1545506715774536},{"word":"did","start":2541.83,"end":2542.15,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.006296828389167786},{"word":"they","start":2542.15,"end":2542.65,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.007363460958003998},{"word":"change","start":2543.11,"end":2543.59,"confidence":0.78564453,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0595521405339241},{"word":"the","start":2543.59,"end":2543.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043879903852939606},{"word":"superannuation","start":2543.75,"end":2544.25,"confidence":0.9923503,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.04744333773851395},{"word":"contribution","start":2544.87,"end":2545.37,"confidence":0.98095703,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.05093987286090851},{"word":"scheme","start":2545.51,"end":2546.01,"confidence":1.0,"punctuated_word":"scheme","sentiment":"neutral","sentiment_score":0.07689523696899414},{"word":"at","start":2546.15,"end":2546.31,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022437456995248795},{"word":"that","start":2546.31,"end":2546.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04590859264135361},{"word":"point","start":2546.55,"end":2546.79,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.025521375238895416},{"word":"as","start":2546.79,"end":2547.03,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.014508906751871107},{"word":"well","start":2547.03,"end":2547.19,"confidence":0.9790039,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.004057047888636589},{"word":"because","start":2547.19,"end":2547.43,"confidence":0.97265625,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.022574882954359055},{"word":"i","start":2547.43,"end":2547.51,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0349612757563591},{"word":"know","start":2547.51,"end":2547.75,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05058867484331131},{"word":"a","start":2547.75,"end":2547.83,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06530354917049408},{"word":"lot","start":2547.83,"end":2547.99,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.05483575910329819},{"word":"of","start":2547.99,"end":2548.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03133107349276543},{"word":"people","start":2548.07,"end":2548.3901,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.030810292810201645},{"word":"were","start":2548.3901,"end":2548.6301,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.013094492256641388},{"word":"doing","start":2548.6301,"end":2549.1301,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.013764701783657074},{"word":"the","start":2549.19,"end":2549.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023568764328956604},{"word":"matching","start":2549.43,"end":2549.83,"confidence":1.0,"punctuated_word":"matching","sentiment":"neutral","sentiment_score":0.042698945850133896},{"word":"program","start":2549.83,"end":2550.23,"confidence":0.9970703,"punctuated_word":"program.","sentiment":"neutral","sentiment_score":0.023884529247879985},{"word":"you","start":2550.23,"end":2550.47,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.023051153868436813},{"word":"put","start":2550.47,"end":2550.6301,"confidence":0.9970703,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.037623029202222824},{"word":"in","start":2550.6301,"end":2550.79,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03902085870504379},{"word":"a","start":2550.79,"end":2550.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03657633066177368},{"word":"few","start":2550.87,"end":2551.19,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.028648916631937027},{"word":"percent","start":2551.19,"end":2551.69,"confidence":0.8041992,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.028565360233187675},{"word":"the","start":2551.83,"end":2551.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016600191593170166},{"word":"government","start":2551.99,"end":2552.3901,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.03557939827442169},{"word":"will","start":2552.3901,"end":2552.6301,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0004293695092201233},{"word":"match","start":2552.6301,"end":2552.87,"confidence":1.0,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.03894101455807686},{"word":"it","start":2552.87,"end":2553.285,"confidence":0.9182129,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02164633944630623},{"word":"but","start":2553.365,"end":2553.525,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.007572010159492493},{"word":"then","start":2553.525,"end":2553.6848,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.019796866923570633},{"word":"they","start":2553.6848,"end":2553.9248,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.00025869905948638916},{"word":"just","start":2553.9248,"end":2554.1648,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023678481578826904},{"word":"came","start":2554.1648,"end":2554.405,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.04595505818724632},{"word":"through","start":2554.405,"end":2554.645,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05464834347367287},{"word":"and","start":2554.645,"end":2554.805,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02441395074129105},{"word":"started","start":2554.805,"end":2555.125,"confidence":0.9560547,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.05892297625541687},{"word":"updating","start":2555.125,"end":2555.525,"confidence":0.9980469,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.10797090828418732},{"word":"all","start":2555.525,"end":2555.6848,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06580208986997604},{"word":"the","start":2555.6848,"end":2555.845,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05825398862361908},{"word":"evas","start":2555.845,"end":2556.325,"confidence":0.8640137,"punctuated_word":"EVAs","sentiment":"neutral","sentiment_score":0.04664973169565201},{"word":"to","start":2556.325,"end":2556.405,"confidence":0.6435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028718851506710052},{"word":"just","start":2556.405,"end":2556.565,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01944158226251602},{"word":"be","start":2556.565,"end":2556.805,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.003754887729883194},{"word":"that","start":2556.805,"end":2556.9648,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016842052340507507},{"word":"12","start":2556.9648,"end":2557.365,"confidence":1.0,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.02705167979001999},{"word":"and","start":2557.365,"end":2557.4448,"confidence":0.89501953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005555655807256699},{"word":"a","start":2557.4448,"end":2557.525,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01897737942636013},{"word":"half","start":2557.525,"end":2557.765,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.005090117454528809},{"word":"percent","start":2557.765,"end":2558.085,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.017070677131414413},{"word":"anyway","start":2558.085,"end":2558.585,"confidence":0.9741211,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.019562967121601105},{"word":"do","start":2558.805,"end":2558.9648,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04225556179881096},{"word":"you","start":2558.9648,"end":2559.045,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04011579975485802},{"word":"know","start":2559.045,"end":2559.2048,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03843078762292862},{"word":"if","start":2559.2048,"end":2559.365,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.059407420456409454},{"word":"they","start":2559.365,"end":2559.4448,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07534241676330566},{"word":"did","start":2559.4448,"end":2559.605,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.10212794691324234},{"word":"that","start":2559.605,"end":2559.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08730808645486832},{"word":"with","start":2559.765,"end":2559.9248,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07087941467761993},{"word":"yours","start":2559.9248,"end":2560.4248,"confidence":0.99902344,"punctuated_word":"yours?","sentiment":"neutral","sentiment_score":-0.0669165849685669},{"word":"when","start":2580.595,"end":2580.835,"confidence":0.45996094,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.08612020313739777},{"word":"i","start":2580.835,"end":2580.915,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008441813290119171},{"word":"looked","start":2580.915,"end":2581.155,"confidence":0.9819336,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.006836041808128357},{"word":"at","start":2581.155,"end":2581.2349,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014040954411029816},{"word":"it","start":2581.2349,"end":2581.555,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013428546488285065},{"word":"today","start":2581.555,"end":2582.055,"confidence":0.99365234,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.05521184206008911},{"word":"i","start":2582.515,"end":2582.675,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07361090183258057},{"word":"had","start":2582.675,"end":2582.835,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03513184189796448},{"word":"to","start":2582.835,"end":2582.915,"confidence":0.55322266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04734017699956894},{"word":"look","start":2582.915,"end":2583.075,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03632345795631409},{"word":"through","start":2583.075,"end":2583.395,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.029555387794971463},{"word":"your","start":2583.395,"end":2583.795,"confidence":0.9526367,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07288713753223419},{"word":"your","start":2583.795,"end":2584.115,"confidence":0.5961914,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06611940264701843},{"word":"transactions","start":2584.115,"end":2584.615,"confidence":0.9284668,"punctuated_word":"transactions,","sentiment":"neutral","sentiment_score":0.05746367201209068},{"word":"and","start":2584.675,"end":2584.835,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06206753849983215},{"word":"it","start":2584.835,"end":2584.915,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04585876315832138},{"word":"was","start":2584.915,"end":2585.155,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.031624533236026764},{"word":"pretty","start":2585.155,"end":2585.315,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1346619874238968},{"word":"well","start":2585.315,"end":2585.635,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.12819714844226837},{"word":"exactly","start":2585.635,"end":2586.135,"confidence":0.97265625,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.09213675558567049},{"word":"$685","start":2586.435,"end":2587.635,"confidence":0.98828125,"punctuated_word":"$685","sentiment":"neutral","sentiment_score":0.12099575251340866},{"word":"61","start":2587.635,"end":2588.1948,"confidence":0.99194336,"punctuated_word":"61","sentiment":"neutral","sentiment_score":0.09215116500854492},{"word":"every","start":2588.1948,"end":2588.435,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0978209748864174},{"word":"time","start":2588.435,"end":2588.935,"confidence":0.9580078,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.06546716392040253},{"word":"and","start":2589.155,"end":2589.655,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09407993406057358},{"word":"it","start":2589.7148,"end":2589.875,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20054447650909424},{"word":"worked","start":2589.875,"end":2590.275,"confidence":0.98535156,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.20321024954319},{"word":"out","start":2590.275,"end":2590.515,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.167076975107193},{"word":"to","start":2590.515,"end":2590.675,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14770077168941498},{"word":"be","start":2590.675,"end":2590.835,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15394680202007294},{"word":"about","start":2590.835,"end":2591.2349,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15501977503299713},{"word":"a","start":2591.2349,"end":2591.395,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1751803457736969},{"word":"145,000","start":2591.395,"end":2593.015,"confidence":0.99921876,"punctuated_word":"145,000","sentiment":"neutral","sentiment_score":0.1669364869594574},{"word":"for","start":2593.23,"end":2593.39,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16528922319412231},{"word":"your","start":2593.39,"end":2593.89,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1510973572731018},{"word":"your","start":2594.1099,"end":2594.27,"confidence":0.8076172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15070556104183197},{"word":"yearly","start":2594.27,"end":2594.75,"confidence":0.9003906,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.16586564481258392},{"word":"income","start":2594.75,"end":2595.25,"confidence":0.98950195,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.12886258959770203},{"word":"which","start":2595.31,"end":2595.63,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08796006441116333},{"word":"is","start":2595.63,"end":2595.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03796923905611038},{"word":"pretty","start":2595.79,"end":2596.03,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.225493848323822},{"word":"close","start":2596.03,"end":2596.35,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.17926231026649475},{"word":"to","start":2596.35,"end":2596.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20019511878490448},{"word":"what","start":2596.51,"end":2596.59,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20167803764343264},{"word":"you","start":2596.59,"end":2596.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15265610814094543},{"word":"were","start":2596.75,"end":2596.91,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.12123218178749084},{"word":"telling","start":2596.91,"end":2597.23,"confidence":1.0,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.13948386907577515},{"word":"me","start":2597.23,"end":2597.39,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12176848202943802},{"word":"before","start":2597.39,"end":2597.89,"confidence":1.0,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.1337465941905975},{"word":"so","start":2599.47,"end":2599.63,"confidence":0.8232422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10099530220031738},{"word":"if","start":2599.63,"end":2599.79,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12283304333686829},{"word":"i","start":2599.79,"end":2599.95,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.102338507771492},{"word":"go","start":2599.95,"end":2600.35,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.140263170003891},{"word":"a","start":2600.35,"end":2600.51,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14465129375457764},{"word":"140,000","start":2600.51,"end":2601.55,"confidence":0.9490967,"punctuated_word":"140,000,","sentiment":"neutral","sentiment_score":0.1386476755142212},{"word":"and","start":2601.55,"end":2601.71,"confidence":0.61816406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08862318843603134},{"word":"let's","start":2601.71,"end":2601.8699,"confidence":0.99316406,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.09640111029148102},{"word":"say","start":2601.8699,"end":2602.03,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11427311599254608},{"word":"it","start":2602.03,"end":2602.1099,"confidence":0.8173828,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11969596147537231},{"word":"is","start":2602.1099,"end":2602.35,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10300613194704056},{"word":"12.5%","start":2602.35,"end":2603.73,"confidence":0.9654541,"punctuated_word":"12.5%,","sentiment":"neutral","sentiment_score":0.09991995990276337},{"word":"yeah","start":2606.7651,"end":2607.165,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2903791069984436},{"word":"it","start":2607.165,"end":2607.3252,"confidence":0.9770508,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4030491709709167},{"word":"pretty","start":2607.3252,"end":2607.5652,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.42056939005851746},{"word":"well","start":2607.5652,"end":2607.8052,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4468480050563812},{"word":"works","start":2607.8052,"end":2608.0452,"confidence":1.0,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.4311548173427582},{"word":"out","start":2608.0452,"end":2608.205,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5632092356681824},{"word":"to","start":2608.205,"end":2608.2852,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4566054046154022},{"word":"be","start":2608.2852,"end":2608.445,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3809206783771515},{"word":"the","start":2608.445,"end":2608.5251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3695775270462036},{"word":"same","start":2608.5251,"end":2608.7651,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3580702841281891},{"word":"amount","start":2608.7651,"end":2609.0051,"confidence":0.99853516,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.3068413734436035},{"word":"so","start":2609.0051,"end":2609.165,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1719093769788742},{"word":"the","start":2609.165,"end":2609.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17885033786296844},{"word":"only","start":2609.245,"end":2609.405,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.14525467157363892},{"word":"thing","start":2609.405,"end":2609.485,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.16382257640361786},{"word":"i","start":2609.485,"end":2609.645,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15629875659942627},{"word":"would","start":2609.645,"end":2609.8052,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1820679306983948},{"word":"check","start":2609.8052,"end":2610.0452,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.14970727264881134},{"word":"there","start":2610.0452,"end":2610.2852,"confidence":0.97875977,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11503683030605316},{"word":"simone","start":2610.2852,"end":2610.6052,"confidence":0.8654785,"punctuated_word":"Simone,","sentiment":"neutral","sentiment_score":0.10289230197668076},{"word":"is","start":2610.6052,"end":2610.8452,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0883270651102066},{"word":"if","start":2610.8452,"end":2611.0852,"confidence":0.8310547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11486512422561646},{"word":"you","start":2611.0852,"end":2611.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10748273879289628},{"word":"can","start":2611.245,"end":2611.745,"confidence":0.9223633,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.10742248594760896},{"word":"is","start":2612.0452,"end":2612.445,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08612599968910217},{"word":"just","start":2612.445,"end":2612.945,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1032041162252426},{"word":"either","start":2613.0852,"end":2613.485,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.07607664167881012},{"word":"send","start":2613.485,"end":2613.725,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0949445813894272},{"word":"through","start":2613.725,"end":2613.965,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0991724282503128},{"word":"a","start":2613.965,"end":2614.125,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0902538001537323},{"word":"payslip","start":2614.125,"end":2614.625,"confidence":0.8601074,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.07978051900863647},{"word":"to","start":2614.685,"end":2614.8452,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08805404603481293},{"word":"us","start":2614.8452,"end":2615.3452,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10970741510391235},{"word":"or","start":2615.5652,"end":2615.8052,"confidence":0.9199219,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07158030569553375},{"word":"quickly","start":2615.8052,"end":2616.205,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.12542389333248138},{"word":"touch","start":2616.205,"end":2616.5251,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.09035758674144743},{"word":"base","start":2616.5251,"end":2616.7651,"confidence":1.0,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.08924950659275055},{"word":"with","start":2616.7651,"end":2617.0051,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1126898229122162},{"word":"your","start":2617.0051,"end":2617.3252,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1073889508843422},{"word":"payroll","start":2617.3252,"end":2617.8052,"confidence":1.0,"punctuated_word":"payroll","sentiment":"neutral","sentiment_score":0.09218090772628784},{"word":"to","start":2617.8052,"end":2617.965,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06694123893976212},{"word":"see","start":2617.965,"end":2618.205,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06033143401145935},{"word":"if","start":2618.205,"end":2618.2852,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05138527601957321},{"word":"there's","start":2618.2852,"end":2618.6052,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05012316629290581},{"word":"any","start":2618.6052,"end":2619.1052,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05630693957209587},{"word":"matching","start":2619.57,"end":2620.07,"confidence":1.0,"punctuated_word":"matching","sentiment":"neutral","sentiment_score":0.03266929090023041},{"word":"programs","start":2620.21,"end":2620.6902,"confidence":0.99902344,"punctuated_word":"programs","sentiment":"neutral","sentiment_score":0.015248358249664308},{"word":"or","start":2620.6902,"end":2620.85,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023981258273124695},{"word":"anything","start":2620.85,"end":2621.1702,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.018720977008342743},{"word":"like","start":2621.1702,"end":2621.33,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.019609522074460983},{"word":"that","start":2621.33,"end":2621.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03393818065524101},{"word":"or","start":2622.37,"end":2622.77,"confidence":0.80078125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.020996656268835068},{"word":"what","start":2622.77,"end":2622.9302,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.020554393529891968},{"word":"your","start":2622.9302,"end":2623.25,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.002548664808273315},{"word":"percentage","start":2623.25,"end":2623.6501,"confidence":0.98095703,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.027463063597679135},{"word":"is","start":2623.6501,"end":2624.1501,"confidence":0.9848633,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.0037693940103054047},{"word":"if","start":2624.37,"end":2624.61,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.032489486038684845},{"word":"they","start":2624.61,"end":2624.77,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04595113918185234},{"word":"come","start":2624.77,"end":2624.9302,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.04940558224916458},{"word":"back","start":2624.9302,"end":2625.1702,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03464236855506897},{"word":"and","start":2625.1702,"end":2625.33,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032529301941394806},{"word":"say","start":2625.33,"end":2625.49,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.046416155993938446},{"word":"that","start":2625.49,"end":2625.6501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029377460479736328},{"word":"you","start":2625.6501,"end":2625.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046554163098335266},{"word":"can","start":2625.81,"end":2626.1301,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.051171258091926575},{"word":"do","start":2626.1301,"end":2626.29,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.045211970806121826},{"word":"the","start":2626.29,"end":2626.4502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022091485559940335},{"word":"matching","start":2626.4502,"end":2626.85,"confidence":1.0,"punctuated_word":"matching","sentiment":"neutral","sentiment_score":0.0481523796916008},{"word":"program","start":2626.85,"end":2627.35,"confidence":0.99853516,"punctuated_word":"program,","sentiment":"neutral","sentiment_score":0.030222710222005844},{"word":"i","start":2627.57,"end":2627.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0845709890127182},{"word":"can","start":2627.73,"end":2627.8901,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09097321331501008},{"word":"help","start":2627.8901,"end":2628.1301,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.09220205247402193},{"word":"you","start":2628.1301,"end":2628.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06562471389770508},{"word":"figure","start":2628.29,"end":2628.61,"confidence":1.0,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.13282936811447144},{"word":"out","start":2628.61,"end":2629.01,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08699409663677216},{"word":"the","start":2629.01,"end":2629.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047239989042282104},{"word":"the","start":2629.25,"end":2629.4102,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07263262569904327},{"word":"best","start":2629.4102,"end":2629.6501,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.09202265739440918},{"word":"way","start":2629.6501,"end":2629.8901,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.0469123050570488},{"word":"to","start":2629.8901,"end":2629.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04584318399429321},{"word":"do","start":2629.97,"end":2630.1301,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.034675292670726776},{"word":"that","start":2630.1301,"end":2630.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.055465079843997955},{"word":"because","start":2630.37,"end":2630.6902,"confidence":0.90527344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0716777816414833},{"word":"they","start":2630.6902,"end":2630.85,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0619891956448555},{"word":"the","start":2631.33,"end":2631.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04779812321066856},{"word":"forms","start":2631.57,"end":2631.8901,"confidence":1.0,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.05068475008010864},{"word":"they","start":2631.8901,"end":2632.05,"confidence":0.9892578,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04761418700218201},{"word":"give","start":2632.05,"end":2632.29,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.027515873312950134},{"word":"public","start":2632.29,"end":2632.61,"confidence":0.94384766,"punctuated_word":"public","sentiment":"neutral","sentiment_score":0.0863049328327179},{"word":"sector","start":2632.61,"end":2633.01,"confidence":1.0,"punctuated_word":"sector","sentiment":"neutral","sentiment_score":0.07434196025133133},{"word":"employers","start":2633.01,"end":2633.51,"confidence":0.99316406,"punctuated_word":"employers","sentiment":"neutral","sentiment_score":0.009702242910861967},{"word":"default","start":2633.6501,"end":2633.955,"confidence":0.99316406,"punctuated_word":"default","sentiment":"neutral","sentiment_score":0.06042700260877609},{"word":"to","start":2633.955,"end":2634.435,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030718564987182617},{"word":"nontax","start":2634.435,"end":2634.935,"confidence":0.8635254,"punctuated_word":"nontax","sentiment":"neutral","sentiment_score":0.04431857541203499},{"word":"deductible","start":2635.0752,"end":2635.5752,"confidence":0.99121094,"punctuated_word":"deductible","sentiment":"neutral","sentiment_score":0.09444677829742432},{"word":"when","start":2635.955,"end":2636.195,"confidence":0.97802734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04570167511701584},{"word":"you","start":2636.195,"end":2636.355,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06696154177188873},{"word":"could","start":2636.355,"end":2636.5151,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07971134036779404},{"word":"be","start":2636.5151,"end":2636.675,"confidence":0.96972656,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08098889142274857},{"word":"the","start":2636.675,"end":2636.995,"confidence":0.51660156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026642784476280212},{"word":"salary","start":2636.995,"end":2637.475,"confidence":0.9404297,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.0029092878103256226},{"word":"sacrifice","start":2637.475,"end":2637.975,"confidence":0.9880371,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":0.03838765621185303},{"word":"so","start":2638.5151,"end":2639.0151,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11531277000904085},{"word":"if","start":2639.3152,"end":2639.5552,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08445178717374802},{"word":"they","start":2639.5552,"end":2639.715,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06162770465016365},{"word":"say","start":2639.715,"end":2639.875,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.08492709696292877},{"word":"that's","start":2639.875,"end":2640.115,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05558747053146362},{"word":"available","start":2640.115,"end":2640.595,"confidence":0.9995117,"punctuated_word":"available,","sentiment":"neutral","sentiment_score":0.05254519730806351},{"word":"can","start":2640.595,"end":2640.7551,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06274084746837616},{"word":"you","start":2640.7551,"end":2640.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0677935779094696},{"word":"let","start":2640.915,"end":2641.155,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0827900618314743},{"word":"us","start":2641.155,"end":2641.235,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07037625461816788},{"word":"know","start":2641.235,"end":2641.475,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.06638870388269424},{"word":"straight","start":2641.475,"end":2641.715,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.08511431515216827},{"word":"away","start":2641.715,"end":2642.215,"confidence":0.9094238,"punctuated_word":"away?","sentiment":"neutral","sentiment_score":0.07934679836034775},{"word":"if","start":2642.5151,"end":2642.7551,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09228101372718812},{"word":"not","start":2642.7551,"end":2643.235,"confidence":1.0,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.09676481783390044},{"word":"i","start":2643.235,"end":2643.475,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10466828942298888},{"word":"wouldn't","start":2643.475,"end":2643.715,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.10256531089544296},{"word":"worry","start":2643.715,"end":2643.955,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.056092552840709686},{"word":"about","start":2643.955,"end":2644.195,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0837501734495163},{"word":"it","start":2644.195,"end":2644.355,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.034406013786792755},{"word":"until","start":2644.355,"end":2644.7551,"confidence":0.8095703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.03073260188102722},{"word":"after","start":2644.7551,"end":2645.2551,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.05468963086605072},{"word":"maternity","start":2645.715,"end":2646.215,"confidence":0.9892578,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.10971001535654068},{"word":"leave","start":2646.2751,"end":2646.7751,"confidence":0.99853516,"punctuated_word":"leave.","sentiment":"neutral","sentiment_score":0.08110514283180237},{"word":"cool","start":2649.26,"end":2649.76,"confidence":0.9057617,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.07296455651521683},{"word":"i","start":2651.02,"end":2651.26,"confidence":0.92822266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15663191676139832},{"word":"will","start":2651.26,"end":2651.58,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1328212171792984},{"word":"pencil","start":2651.58,"end":2651.9001,"confidence":0.9970703,"punctuated_word":"pencil","sentiment":"neutral","sentiment_score":0.12096892297267914},{"word":"that","start":2651.9001,"end":2652.06,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11489823460578918},{"word":"in","start":2652.06,"end":2652.22,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10995618999004364},{"word":"so","start":2652.22,"end":2652.3801,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11473019421100616},{"word":"that","start":2652.3801,"end":2652.54,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12497974187135696},{"word":"when","start":2652.54,"end":2652.7,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15297335386276245},{"word":"we","start":2652.7,"end":2652.86,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12494930624961852},{"word":"catch","start":2652.86,"end":2653.1,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.09961314499378204},{"word":"up","start":2653.1,"end":2653.42,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09661786258220673},{"word":"closer","start":2653.42,"end":2653.82,"confidence":0.9892578,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.11598580330610277},{"word":"to","start":2653.82,"end":2653.98,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16801908612251282},{"word":"christmas","start":2653.98,"end":2654.3,"confidence":0.80078125,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":0.13467837870121002},{"word":"time","start":2654.3,"end":2654.62,"confidence":0.99853516,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.16601155698299408},{"word":"i'll","start":2654.62,"end":2654.94,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12729467451572418},{"word":"touch","start":2654.94,"end":2655.18,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.13217629492282867},{"word":"on","start":2655.18,"end":2655.34,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11159250140190125},{"word":"it","start":2655.34,"end":2655.74,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12612788379192352},{"word":"when","start":2655.74,"end":2655.98,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1124824807047844},{"word":"we","start":2655.98,"end":2656.06,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12096820771694183},{"word":"talk","start":2656.06,"end":2656.3,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.12418416887521744},{"word":"about","start":2656.3,"end":2656.54,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11406758427619934},{"word":"the","start":2656.54,"end":2656.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12954926490783691},{"word":"investments","start":2656.78,"end":2657.28,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07468967139720917},{"word":"as","start":2657.34,"end":2657.42,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12095531821250916},{"word":"well","start":2657.42,"end":2657.92,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11556074023246764},{"word":"cool","start":2659.755,"end":2660.255,"confidence":0.99853516,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.279768705368042},{"word":"alright","start":2661.275,"end":2661.775,"confidence":0.8991699,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1732964962720871},{"word":"any","start":2661.835,"end":2661.9949,"confidence":0.98095703,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.1097840964794159},{"word":"other","start":2661.9949,"end":2662.2349,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14013636112213135},{"word":"things","start":2662.2349,"end":2662.4749,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12247222661972046},{"word":"i","start":2662.4749,"end":2662.635,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.061912357807159424},{"word":"can","start":2662.635,"end":2662.795,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07050012052059174},{"word":"help","start":2662.795,"end":2662.9548,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.08088482916355133},{"word":"with","start":2662.9548,"end":2663.1948,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07656610012054443},{"word":"before","start":2663.1948,"end":2663.4348,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08469212055206299},{"word":"i","start":2663.4348,"end":2663.515,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09103168547153472},{"word":"let","start":2663.515,"end":2663.6748,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09115252643823624},{"word":"you","start":2663.6748,"end":2663.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11916515231132507},{"word":"go","start":2663.755,"end":2664.255,"confidence":0.9995117,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.09410692751407625},{"word":"i","start":2665.6748,"end":2666.1748,"confidence":0.5371094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005601808428764343},{"word":"made","start":2667.595,"end":2667.9949,"confidence":0.7402344,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.001177653670310974},{"word":"it","start":2667.9949,"end":2668.4749,"confidence":0.94091797,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.002002086490392685},{"word":"yep","start":2668.4749,"end":2668.9749,"confidence":0.9824219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06329174339771271},{"word":"go","start":2669.275,"end":2669.515,"confidence":0.9980469,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.09273706376552582},{"word":"for","start":2669.515,"end":2669.6748,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09486005455255508},{"word":"it","start":2669.6748,"end":2670.1748,"confidence":0.99365234,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0657486766576767},{"word":"so","start":2678.4102,"end":2678.9102,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05563467741012573},{"word":"that","start":2679.53,"end":2679.77,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10267039388418198},{"word":"is","start":2679.77,"end":2680.01,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13782911002635956},{"word":"a","start":2680.01,"end":2680.25,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2085165977478027},{"word":"fantastic","start":2680.25,"end":2680.75,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.439259260892868},{"word":"question","start":2680.81,"end":2681.31,"confidence":1.0,"punctuated_word":"question","sentiment":"positive","sentiment_score":0.40027034282684326},{"word":"that","start":2681.37,"end":2681.61,"confidence":0.91503906,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4091188311576843},{"word":"has","start":2681.61,"end":2682.11,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.444630354642868},{"word":"three","start":2682.25,"end":2682.75,"confidence":1.0,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.37222567200660706},{"word":"slightly","start":2682.8901,"end":2683.3901,"confidence":0.9980469,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.2515626549720764},{"word":"small","start":2683.45,"end":2683.77,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.3218190670013428},{"word":"answers","start":2683.77,"end":2684.25,"confidence":1.0,"punctuated_word":"answers","sentiment":"positive","sentiment_score":0.3804033398628235},{"word":"to","start":2684.25,"end":2684.4102,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3677173852920532},{"word":"it","start":2684.4102,"end":2684.775,"confidence":0.7056885,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.33890360593795776},{"word":"is","start":2685.255,"end":2685.755,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03681431710720062},{"word":"we","start":2686.135,"end":2686.375,"confidence":0.9448242,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07808172702789307},{"word":"do","start":2686.375,"end":2686.875,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07731008529663086},{"word":"individual","start":2687.255,"end":2687.6548,"confidence":0.8041992,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.08614350855350494},{"word":"advice","start":2687.6548,"end":2688.055,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.08727352321147919},{"word":"to","start":2688.055,"end":2688.2148,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06690844148397446},{"word":"start","start":2688.2148,"end":2688.375,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.08208300173282623},{"word":"with","start":2688.375,"end":2688.855,"confidence":0.9863281,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.08360956609249115},{"word":"so","start":2688.855,"end":2689.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08390679210424423},{"word":"because","start":2689.015,"end":2689.255,"confidence":0.98095703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09435537457466124},{"word":"you","start":2689.255,"end":2689.4148,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10949236154556274},{"word":"already","start":2689.4148,"end":2689.7349,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.11191673576831818},{"word":"have","start":2689.7349,"end":2689.895,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1063714250922203},{"word":"an","start":2689.895,"end":2690.055,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10092218965291976},{"word":"ongoing","start":2690.055,"end":2690.535,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.11122176051139832},{"word":"plan","start":2690.535,"end":2691.035,"confidence":1.0,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.10009756684303284},{"word":"we","start":2691.1748,"end":2691.335,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10325279086828232},{"word":"would","start":2691.335,"end":2691.575,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11199738085269928},{"word":"do","start":2691.575,"end":2692.075,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08918387442827225},{"word":"the","start":2692.2148,"end":2692.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10005460679531096},{"word":"same","start":2692.375,"end":2692.875,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.09419245272874832},{"word":"starting","start":2693.7349,"end":2694.2349,"confidence":0.9716797,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.08587849140167236},{"word":"foundation","start":2694.295,"end":2694.795,"confidence":0.99902344,"punctuated_word":"foundation","sentiment":"neutral","sentiment_score":0.10007801651954652},{"word":"plan","start":2694.855,"end":2695.1748,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.09093981981277466},{"word":"for","start":2695.1748,"end":2695.335,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09170503914356232},{"word":"your","start":2695.335,"end":2695.575,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07130415737628937},{"word":"partner","start":2695.575,"end":2696.075,"confidence":1.0,"punctuated_word":"partner.","sentiment":"neutral","sentiment_score":0.08932484686374664},{"word":"after","start":2697.35,"end":2697.67,"confidence":1.0,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.10135897994041444},{"word":"that","start":2697.67,"end":2697.9102,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10931430011987686},{"word":"point","start":2697.9102,"end":2698.1501,"confidence":0.9995117,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.09813977777957916},{"word":"we","start":2698.1501,"end":2698.3901,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09868679940700532},{"word":"can","start":2698.3901,"end":2698.55,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10468334704637527},{"word":"do","start":2698.55,"end":2698.79,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10773460566997528},{"word":"joint","start":2698.79,"end":2699.11,"confidence":1.0,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.08434085547924042},{"word":"reviews","start":2699.11,"end":2699.51,"confidence":1.0,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.07243729382753372},{"word":"with","start":2699.51,"end":2699.75,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1073092445731163},{"word":"you","start":2699.75,"end":2699.9102,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1357005536556244},{"word":"guys","start":2699.9102,"end":2700.3901,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.14552763104438782},{"word":"and","start":2700.3901,"end":2700.79,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12263227999210358},{"word":"joint","start":2700.79,"end":2701.29,"confidence":0.96875,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.12262695282697678},{"word":"advice","start":2701.43,"end":2701.93,"confidence":0.99609375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14357426762580872},{"word":"together","start":2701.99,"end":2702.3901,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.11775414645671844},{"word":"because","start":2702.3901,"end":2702.71,"confidence":0.76171875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12950053811073303},{"word":"we","start":2702.71,"end":2702.87,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13778942823410034},{"word":"need","start":2702.87,"end":2703.03,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.15173204243183136},{"word":"to","start":2703.03,"end":2703.19,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14933453500270844},{"word":"factor","start":2703.19,"end":2703.59,"confidence":1.0,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.132464200258255},{"word":"in","start":2703.59,"end":2704.09,"confidence":0.98217773,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.10302089154720306},{"word":"you","start":2704.1501,"end":2704.31,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09728794544935226},{"word":"know","start":2704.31,"end":2704.55,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09977923333644868},{"word":"joint","start":2704.55,"end":2704.87,"confidence":0.9970703,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.10755685716867448},{"word":"retirement","start":2704.87,"end":2705.37,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08824092149734497},{"word":"goals","start":2705.43,"end":2705.67,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.11447696387767792},{"word":"and","start":2705.67,"end":2705.83,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11298879981040956},{"word":"things","start":2705.83,"end":2706.1501,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10229571163654327},{"word":"like","start":2706.1501,"end":2706.31,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06279967725276947},{"word":"that","start":2706.31,"end":2706.71,"confidence":0.8408203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12885130941867828},{"word":"but","start":2706.71,"end":2706.87,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11244504153728484},{"word":"we","start":2706.87,"end":2707.03,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1179167702794075},{"word":"just","start":2707.03,"end":2707.19,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1538783609867096},{"word":"wanna","start":2707.19,"end":2707.51,"confidence":0.86328125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17173835635185242},{"word":"make","start":2707.51,"end":2707.67,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13892485201358795},{"word":"sure","start":2707.67,"end":2707.83,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12237273156642914},{"word":"he","start":2707.83,"end":2707.99,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1683352291584015},{"word":"has","start":2707.99,"end":2708.23,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1587129533290863},{"word":"that","start":2708.23,"end":2708.47,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18536919355392456},{"word":"foundational","start":2708.47,"end":2708.97,"confidence":0.99902344,"punctuated_word":"foundational","sentiment":"neutral","sentiment_score":0.14202868938446045},{"word":"piece","start":2709.03,"end":2709.27,"confidence":0.82666016,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.16196411848068237},{"word":"to","start":2709.27,"end":2709.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13198576867580414},{"word":"start","start":2709.43,"end":2709.75,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1067676693201065},{"word":"with","start":2709.75,"end":2710.125,"confidence":0.9995117,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.12743520736694336},{"word":"from","start":2712.125,"end":2712.445,"confidence":0.9604492,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.06640803068876266},{"word":"that","start":2712.445,"end":2712.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08205357193946838},{"word":"point","start":2712.685,"end":2713.185,"confidence":0.9995117,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.09751943498849867},{"word":"a","start":2713.325,"end":2713.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08941186219453812},{"word":"couple","start":2713.485,"end":2713.645,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06684268265962601},{"word":"of","start":2713.645,"end":2713.805,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06848342716693878},{"word":"things","start":2713.805,"end":2714.125,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07952849566936493},{"word":"to","start":2714.125,"end":2714.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07387526333332062},{"word":"consider","start":2714.285,"end":2714.785,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.06830496340990067},{"word":"is","start":2714.845,"end":2715.325,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09447426348924635},{"word":"there","start":2715.325,"end":2715.485,"confidence":0.9741211,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10251450538635254},{"word":"is","start":2715.485,"end":2715.725,"confidence":0.9279785,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.101167231798172},{"word":"like","start":2715.725,"end":2715.885,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1167743355035782},{"word":"a","start":2715.885,"end":2716.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1235465332865715},{"word":"partner","start":2716.045,"end":2716.445,"confidence":0.99902344,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.06179845333099365},{"word":"fee","start":2716.445,"end":2716.685,"confidence":0.9980469,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.09590676426887512},{"word":"discount","start":2716.685,"end":2717.085,"confidence":0.9980469,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.08283564448356628},{"word":"as","start":2717.085,"end":2717.325,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0871487557888031},{"word":"well","start":2717.325,"end":2717.725,"confidence":0.9951172,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08314143866300583},{"word":"so","start":2717.725,"end":2717.885,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06617457419633865},{"word":"i","start":2717.885,"end":2718.045,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04600471258163452},{"word":"was","start":2718.045,"end":2718.285,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04976753890514374},{"word":"just","start":2718.285,"end":2718.525,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04497351497411728},{"word":"about","start":2718.525,"end":2718.765,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04537630081176758},{"word":"to","start":2718.765,"end":2718.845,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03827476501464844},{"word":"mention","start":2718.845,"end":2719.245,"confidence":0.99902344,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.048084478825330734},{"word":"that","start":2719.245,"end":2719.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04811817780137062},{"word":"the","start":2719.565,"end":2719.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056699931621551514},{"word":"service","start":2719.805,"end":2720.285,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.0434059277176857},{"word":"agreement","start":2720.285,"end":2720.685,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.061933740973472595},{"word":"we've","start":2720.685,"end":2720.845,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07350647449493408},{"word":"sent","start":2720.845,"end":2721.085,"confidence":1.0,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.08027654141187668},{"word":"you","start":2721.085,"end":2721.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10668428987264632},{"word":"for","start":2721.245,"end":2721.405,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09520503133535384},{"word":"this","start":2721.405,"end":2721.645,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09623050689697266},{"word":"review","start":2721.645,"end":2722.145,"confidence":0.9980469,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.0984690934419632},{"word":"that's","start":2722.5999,"end":2722.92,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0912468433380127},{"word":"1.65%","start":2722.92,"end":2724.6199,"confidence":0.9915039,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.08347557485103607},{"word":"spread","start":2724.68,"end":2725.0798,"confidence":0.9760742,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.08666203916072845},{"word":"through","start":2725.0798,"end":2725.3198,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06092299893498421},{"word":"the","start":2725.3198,"end":2725.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07377541810274124},{"word":"year","start":2725.48,"end":2725.96,"confidence":0.9941406,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06431206315755844},{"word":"the","start":2725.96,"end":2726.2,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06316591054201126},{"word":"partner","start":2726.2,"end":2726.5999,"confidence":0.99902344,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.06169376522302627},{"word":"fee","start":2726.5999,"end":2726.8398,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.08652684092521667},{"word":"discount","start":2726.8398,"end":2727.24,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.07692188024520874},{"word":"is","start":2727.24,"end":2727.4,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08053413778543472},{"word":"1.1","start":2727.4,"end":2728.28,"confidence":0.96191406,"punctuated_word":"1.1,","sentiment":"neutral","sentiment_score":0.07822367548942566},{"word":"so","start":2728.28,"end":2728.52,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06954504549503326},{"word":"it","start":2728.52,"end":2728.5999,"confidence":0.87597656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09145057946443558},{"word":"chops","start":2728.5999,"end":2728.8398,"confidence":0.95703125,"punctuated_word":"chops","sentiment":"neutral","sentiment_score":0.0880928635597229},{"word":"about","start":2728.8398,"end":2729.16,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08527600765228271},{"word":"a","start":2729.16,"end":2729.24,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08327630907297134},{"word":"third","start":2729.24,"end":2729.48,"confidence":1.0,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.09008973836898804},{"word":"off","start":2729.48,"end":2729.98,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.08737070113420486},{"word":"per","start":2731.8,"end":2732.04,"confidence":0.89990234,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.2647210955619812},{"word":"person","start":2732.04,"end":2732.52,"confidence":0.99902344,"punctuated_word":"person.","sentiment":"positive","sentiment_score":0.33965182304382324},{"word":"correct","start":2732.52,"end":2733.02,"confidence":0.9875488,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.19464749097824097},{"word":"k","start":2734.3599,"end":2734.8599,"confidence":0.829834,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.08825372904539108},{"word":"from","start":2735.7651,"end":2735.925,"confidence":0.97802734,"punctuated_word":"From","sentiment":"neutral","sentiment_score":0.06778626143932343},{"word":"that","start":2735.925,"end":2736.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0964851826429367},{"word":"point","start":2736.165,"end":2736.485,"confidence":0.9995117,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.10673603415489195},{"word":"hub","start":2736.485,"end":2736.8052,"confidence":0.87841797,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.15140382945537567},{"word":"twenty","start":2736.8052,"end":2737.0452,"confidence":0.9863281,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1261235773563385},{"word":"four","start":2737.0452,"end":2737.365,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.1295388638973236},{"word":"also","start":2737.365,"end":2737.7651,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12624408304691315},{"word":"offers","start":2737.7651,"end":2738.2651,"confidence":1.0,"punctuated_word":"offers","sentiment":"neutral","sentiment_score":0.1269124448299408},{"word":"family","start":2738.5652,"end":2739.0652,"confidence":0.99609375,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.1758035123348236},{"word":"linking","start":2739.125,"end":2739.625,"confidence":0.98657227,"punctuated_word":"linking.","sentiment":"neutral","sentiment_score":0.14385512471199036},{"word":"so","start":2740.0051,"end":2740.5051,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11935555934906006},{"word":"if","start":2740.8052,"end":2741.0452,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1343415081501007},{"word":"we","start":2741.0452,"end":2741.205,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13452333211898804},{"word":"do","start":2741.205,"end":2741.445,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1385749578475952},{"word":"recommend","start":2741.445,"end":2741.845,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.13494479656219482},{"word":"a","start":2741.845,"end":2742.0852,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14277639985084534},{"word":"similar","start":2742.0852,"end":2742.5852,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.14392751455307007},{"word":"super","start":2742.885,"end":2743.205,"confidence":0.9277344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.19312268495559692},{"word":"fund","start":2743.205,"end":2743.685,"confidence":0.66748047,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.19408346712589264},{"word":"to","start":2743.685,"end":2743.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14835737645626068},{"word":"your","start":2743.845,"end":2744.0852,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11539320647716522},{"word":"partner","start":2744.0852,"end":2744.5852,"confidence":1.0,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":0.12209509313106535},{"word":"you","start":2744.8052,"end":2744.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12131889164447784},{"word":"can","start":2744.965,"end":2745.125,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12844239175319672},{"word":"actually","start":2745.125,"end":2745.5251,"confidence":1.0,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.12203851342201232},{"word":"link","start":2745.5251,"end":2745.685,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.16918541491031647},{"word":"your","start":2745.685,"end":2745.925,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17337068915367126},{"word":"accounts","start":2745.925,"end":2746.3252,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.16903963685035706},{"word":"together","start":2746.3252,"end":2746.725,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.18774886429309845},{"word":"for","start":2746.725,"end":2746.885,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16321319341659546},{"word":"cheaper","start":2746.885,"end":2747.2852,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.17152178287506104},{"word":"admin","start":2747.2852,"end":2747.685,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.1586226224899292},{"word":"fees","start":2747.685,"end":2748.185,"confidence":0.9645996,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.15833041071891785},{"word":"and","start":2748.6,"end":2748.84,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15054108202457428},{"word":"if","start":2748.84,"end":2749.1602,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15158690512180328},{"word":"you","start":2749.1602,"end":2749.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16388268768787384},{"word":"get","start":2749.24,"end":2749.4001,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1582220494747162},{"word":"an","start":2749.4001,"end":2749.56,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13585780560970306},{"word":"investment","start":2749.56,"end":2749.9602,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.08610828220844269},{"word":"account","start":2749.9602,"end":2750.2002,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1331723779439926},{"word":"down","start":2750.2002,"end":2750.4402,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.141402006149292},{"word":"the","start":2750.4402,"end":2750.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12733431160449982},{"word":"line","start":2750.52,"end":2750.76,"confidence":0.9995117,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.14999841153621674},{"word":"you","start":2750.76,"end":2751.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1533445119857788},{"word":"can","start":2751.0,"end":2751.1602,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16164259612560272},{"word":"link","start":2751.1602,"end":2751.4001,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.146596297621727},{"word":"up","start":2751.4001,"end":2751.9001,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13644790649414062},{"word":"super","start":2752.12,"end":2752.4402,"confidence":0.9838867,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13622508943080902},{"word":"accounts","start":2752.4402,"end":2752.84,"confidence":0.9941406,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.1417783796787262},{"word":"pension","start":2752.84,"end":2753.1602,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.12303674966096878},{"word":"accounts","start":2753.1602,"end":2753.6401,"confidence":0.9904785,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.1210569590330124},{"word":"partner","start":2753.6401,"end":2753.9602,"confidence":1.0,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.11428053677082062},{"word":"accounts","start":2753.9602,"end":2754.36,"confidence":0.9921875,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.13519304990768433},{"word":"and","start":2754.36,"end":2754.52,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13293595612049103},{"word":"investment","start":2754.52,"end":2754.9202,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11943157017230988},{"word":"accounts","start":2754.9202,"end":2755.32,"confidence":0.98095703,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.1195146217942238},{"word":"so","start":2755.32,"end":2755.4802,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1411963552236557},{"word":"there's","start":2755.4802,"end":2755.7202,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16257525980472565},{"word":"a","start":2755.7202,"end":2755.8,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16777075827121735},{"word":"lot","start":2755.8,"end":2755.9602,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.16362588107585907},{"word":"of","start":2755.9602,"end":2756.4602,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15943321585655212},{"word":"a","start":2756.52,"end":2756.6802,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13147355616092682},{"word":"lot","start":2756.6802,"end":2756.9202,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.15133194625377655},{"word":"of","start":2756.9202,"end":2757.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14407654106616974},{"word":"linking","start":2757.08,"end":2757.56,"confidence":0.99902344,"punctuated_word":"linking","sentiment":"neutral","sentiment_score":0.10349270701408386},{"word":"for","start":2757.56,"end":2758.04,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13850529491901398},{"word":"discounts","start":2758.04,"end":2758.52,"confidence":1.0,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.11307080090045928},{"word":"that","start":2758.52,"end":2758.6802,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15221162140369415},{"word":"can","start":2758.6802,"end":2758.84,"confidence":0.91259766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12344878911972046},{"word":"be","start":2758.84,"end":2759.0,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1267690658569336},{"word":"done","start":2759.0,"end":2759.24,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11009949445724489},{"word":"as","start":2759.24,"end":2759.4001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10977977514266968},{"word":"well","start":2759.4001,"end":2759.9001,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10795341432094574},{"word":"k","start":2761.735,"end":2762.235,"confidence":0.8171387,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.2178208529949188},{"word":"i'll","start":2764.055,"end":2764.375,"confidence":0.9016113,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2735137939453125},{"word":"leave","start":2764.375,"end":2764.615,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.28598839044570923},{"word":"that","start":2764.615,"end":2764.935,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3089326024055481},{"word":"email","start":2764.935,"end":2765.255,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2709979712963104},{"word":"to","start":2765.255,"end":2765.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23785768449306488},{"word":"you","start":2765.415,"end":2765.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2622123062610626},{"word":"just","start":2765.655,"end":2765.975,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3303915858268738},{"word":"to","start":2765.975,"end":2766.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28003647923469543},{"word":"review","start":2766.055,"end":2766.375,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2865128219127655},{"word":"and","start":2766.375,"end":2766.455,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24393197894096377},{"word":"make","start":2766.455,"end":2766.615,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2600308060646057},{"word":"sure","start":2766.615,"end":2766.775,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.26361945271492004},{"word":"you're","start":2766.775,"end":2767.015,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2530372738838196},{"word":"comfortable","start":2767.015,"end":2767.415,"confidence":0.845459,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.26678889989852905},{"word":"obviously","start":2767.415,"end":2767.815,"confidence":0.99853516,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.3279344439506531},{"word":"with","start":2767.815,"end":2767.975,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3037616014480591},{"word":"the","start":2767.975,"end":2768.215,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2763030529022217},{"word":"service","start":2768.215,"end":2768.615,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.23819804191589355},{"word":"agreement","start":2768.615,"end":2769.015,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.2639392018318176},{"word":"for","start":2769.015,"end":2769.175,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2378457933664322},{"word":"this","start":2769.175,"end":2769.415,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2520030438899994},{"word":"year","start":2769.415,"end":2769.915,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2553212642669678},{"word":"if","start":2770.215,"end":2770.615,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15128114819526672},{"word":"we","start":2770.615,"end":2770.855,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1276736855506897},{"word":"do","start":2770.855,"end":2771.095,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1452392339706421},{"word":"bring","start":2771.095,"end":2771.335,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.1401638686656952},{"word":"your","start":2771.335,"end":2771.575,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1026824712753296},{"word":"partner","start":2771.575,"end":2771.895,"confidence":1.0,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.11690784990787506},{"word":"on","start":2771.895,"end":2772.135,"confidence":0.76660156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14153018593788147},{"word":"board","start":2772.135,"end":2772.375,"confidence":0.9995117,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.1471344828605652},{"word":"we","start":2772.375,"end":2772.535,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1831143349409103},{"word":"will","start":2772.535,"end":2772.775,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18290753662586212},{"word":"send","start":2772.775,"end":2773.015,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.17270255088806152},{"word":"you","start":2773.015,"end":2773.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16085785627365112},{"word":"an","start":2773.175,"end":2773.335,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11755328625440598},{"word":"amended","start":2773.335,"end":2773.815,"confidence":1.0,"punctuated_word":"amended","sentiment":"neutral","sentiment_score":0.15086032450199127},{"word":"agreement","start":2773.815,"end":2774.295,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.11995290219783784},{"word":"after","start":2774.295,"end":2774.535,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1377984881401062},{"word":"he","start":2774.535,"end":2774.695,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1509801298379898},{"word":"signs","start":2774.695,"end":2775.015,"confidence":1.0,"punctuated_word":"signs","sentiment":"neutral","sentiment_score":0.10899600386619568},{"word":"up","start":2775.015,"end":2775.255,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1295255571603775},{"word":"as","start":2775.255,"end":2775.415,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15164625644683838},{"word":"well","start":2775.415,"end":2775.81,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12440968304872511},{"word":"k","start":2777.33,"end":2777.81,"confidence":0.7922363,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.025399083271622654},{"word":"do","start":2777.81,"end":2777.97,"confidence":0.9921875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.010068070143461227},{"word":"you","start":2777.97,"end":2778.1301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01099325716495514},{"word":"want","start":2778.1301,"end":2778.37,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.010740838944911957},{"word":"me","start":2778.37,"end":2778.45,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03234219551086426},{"word":"to","start":2778.45,"end":2778.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07536440342664719},{"word":"take","start":2778.61,"end":2778.85,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09132463485002518},{"word":"down","start":2778.85,"end":2779.01,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07969554513692856},{"word":"any","start":2779.01,"end":2779.51,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06018766760826111},{"word":"yeah","start":2782.61,"end":2782.9302,"confidence":0.9807129,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08506264537572861},{"word":"and","start":2782.9302,"end":2783.09,"confidence":0.75097656,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.05668114870786667},{"word":"look","start":2783.09,"end":2783.4102,"confidence":0.9680176,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.06267692148685455},{"word":"at","start":2783.4102,"end":2783.57,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.057429734617471695},{"word":"any","start":2783.57,"end":2783.73,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0551874116063118},{"word":"point","start":2783.73,"end":2783.97,"confidence":0.9650879,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.029604652896523476},{"word":"if","start":2783.97,"end":2784.1301,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03202873095870018},{"word":"you","start":2784.1301,"end":2784.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03555940091609955},{"word":"haven't","start":2784.29,"end":2784.53,"confidence":0.95996094,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.03340219706296921},{"word":"talked","start":2784.53,"end":2784.77,"confidence":0.9921875,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.04201105982065201},{"word":"to","start":2784.77,"end":2784.9302,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06180707365274429},{"word":"theo","start":2784.9302,"end":2785.1702,"confidence":0.99609375,"punctuated_word":"Theo","sentiment":"neutral","sentiment_score":0.10893994569778442},{"word":"and","start":2785.1702,"end":2785.4102,"confidence":0.9277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.048666033893823624},{"word":"he","start":2785.4102,"end":2785.57,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.10268806666135788},{"word":"wants","start":2785.57,"end":2785.8901,"confidence":1.0,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.08748501539230347},{"word":"to","start":2785.8901,"end":2785.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11035950481891632},{"word":"give","start":2785.97,"end":2786.1301,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1014295369386673},{"word":"it","start":2786.1301,"end":2786.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10407578200101852},{"word":"a","start":2786.29,"end":2786.45,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07699856907129288},{"word":"go","start":2786.45,"end":2786.9302,"confidence":0.99902344,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.05285819247364998},{"word":"just","start":2786.9302,"end":2787.4302,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022672930732369423},{"word":"call","start":2787.6501,"end":2787.8901,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.01810329034924507},{"word":"into","start":2787.8901,"end":2788.29,"confidence":0.9111328,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.025097012519836422},{"word":"reception","start":2788.29,"end":2788.79,"confidence":0.9345703,"punctuated_word":"reception,","sentiment":"neutral","sentiment_score":0.06303077936172485},{"word":"talk","start":2788.9302,"end":2789.1702,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.03594837337732315},{"word":"to","start":2789.1702,"end":2789.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06482851505279541},{"word":"the","start":2789.33,"end":2789.4102,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0734010711312294},{"word":"girls","start":2789.4102,"end":2789.81,"confidence":0.8901367,"punctuated_word":"girls.","sentiment":"neutral","sentiment_score":0.06918813288211823},{"word":"i'll","start":2789.81,"end":2789.97,"confidence":0.984375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09330262988805772},{"word":"get","start":2789.97,"end":2790.1301,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15868902206420898},{"word":"him","start":2790.1301,"end":2790.29,"confidence":0.9921875,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.10779660195112228},{"word":"booked","start":2790.29,"end":2790.53,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.14615152776241302},{"word":"in","start":2790.53,"end":2790.77,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13685289025306702},{"word":"with","start":2790.77,"end":2791.01,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14081719517707825},{"word":"myself","start":2791.01,"end":2791.51,"confidence":1.0,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.1267237812280655},{"word":"or","start":2792.025,"end":2792.1848,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09069846570491792},{"word":"one","start":2792.1848,"end":2792.265,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12115608155727386},{"word":"of","start":2792.265,"end":2792.4248,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.126300111413002},{"word":"the","start":2792.4248,"end":2792.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13826151192188263},{"word":"other","start":2792.585,"end":2792.905,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10458076000213624},{"word":"advisers","start":2792.905,"end":2793.405,"confidence":0.8562012,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.08751102536916733},{"word":"and","start":2793.545,"end":2793.7048,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0841100886464119},{"word":"we'll","start":2793.7048,"end":2793.9448,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08831953257322311},{"word":"just","start":2793.9448,"end":2794.105,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.050494272261857986},{"word":"go","start":2794.105,"end":2794.345,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12433476746082306},{"word":"through","start":2794.345,"end":2794.505,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13127750158309937},{"word":"the","start":2794.505,"end":2794.6648,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1300380825996399},{"word":"usual","start":2794.6648,"end":2795.1648,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.14428406953811646},{"word":"complimentary","start":2795.785,"end":2796.285,"confidence":0.7363281,"punctuated_word":"complimentary","sentiment":"neutral","sentiment_score":0.17977452278137207},{"word":"consultation","start":2796.505,"end":2797.005,"confidence":0.98339844,"punctuated_word":"consultation,","sentiment":"neutral","sentiment_score":0.12792763113975525},{"word":"bit","start":2797.785,"end":2797.9448,"confidence":0.80615234,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11192823946475984},{"word":"of","start":2797.9448,"end":2798.105,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15103426575660706},{"word":"research","start":2798.105,"end":2798.585,"confidence":0.96875,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.06912455707788467},{"word":"and","start":2798.585,"end":2798.7449,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12875224649906158},{"word":"see","start":2798.7449,"end":2798.905,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16784755885601044},{"word":"if","start":2798.905,"end":2799.065,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19003739953041077},{"word":"we","start":2799.065,"end":2799.145,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2165781557559967},{"word":"can","start":2799.145,"end":2799.385,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22747063636779785},{"word":"help","start":2799.385,"end":2799.625,"confidence":0.9970703,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.24149443209171295},{"word":"him","start":2799.625,"end":2800.125,"confidence":0.9995117,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.113629512488842},{"word":"cool","start":2802.4248,"end":2802.905,"confidence":0.9980469,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.46578025817871094},{"word":"alrighty","start":2802.905,"end":2803.405,"confidence":0.99869794,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.3158799409866333},{"word":"any","start":2803.545,"end":2803.7048,"confidence":0.98828125,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.07220476120710373},{"word":"other","start":2803.7048,"end":2803.865,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10390391945838928},{"word":"questions","start":2803.865,"end":2804.025,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07913610339164734},{"word":"at","start":2804.025,"end":2804.1848,"confidence":0.35791016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03965712711215019},{"word":"the","start":2804.1848,"end":2804.265,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05883890390396118},{"word":"moment","start":2804.265,"end":2804.4248,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.07047240436077118},{"word":"before","start":2804.4248,"end":2804.6648,"confidence":0.98828125,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0335584431886673},{"word":"i","start":2804.6648,"end":2804.7449,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.045764707028865814},{"word":"let","start":2804.7449,"end":2804.9849,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06568354368209839},{"word":"you","start":2804.9849,"end":2805.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10627197474241255},{"word":"go","start":2805.065,"end":2805.45,"confidence":0.9941406,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.11068914830684662},{"word":"amazing","start":2807.8499,"end":2808.3298,"confidence":0.9897461,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.6427326202392578},{"word":"no","start":2808.3298,"end":2808.49,"confidence":0.9902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.21999484300613403},{"word":"thank","start":2808.49,"end":2808.65,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.47904694080352783},{"word":"you","start":2808.65,"end":2808.89,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6725534200668335},{"word":"for","start":2808.89,"end":2809.05,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6831032037734985},{"word":"taking","start":2809.05,"end":2809.29,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.7064738273620605},{"word":"the","start":2809.29,"end":2809.45,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5987470746040344},{"word":"time","start":2809.45,"end":2809.69,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7029728889465332},{"word":"i've","start":2809.69,"end":2809.8499,"confidence":1.0,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.8194963335990906},{"word":"had","start":2809.8499,"end":2809.93,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.8496799468994141},{"word":"an","start":2809.93,"end":2810.17,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.8327551484107971},{"word":"absolute","start":2810.17,"end":2810.57,"confidence":0.9980469,"punctuated_word":"absolute","sentiment":"positive","sentiment_score":0.7271254658699036},{"word":"blast","start":2810.57,"end":2810.97,"confidence":0.93725586,"punctuated_word":"blast,","sentiment":"positive","sentiment_score":0.772556722164154},{"word":"and","start":2810.97,"end":2811.29,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.723365068435669},{"word":"i","start":2811.29,"end":2811.45,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6224687099456787},{"word":"hope","start":2811.45,"end":2811.95,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.6453603506088257},{"word":"after","start":2812.25,"end":2812.49,"confidence":0.9223633,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.5548686385154724},{"word":"a","start":2812.49,"end":2812.65,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6485530138015747},{"word":"hard","start":2812.65,"end":2812.89,"confidence":1.0,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.4769928753376007},{"word":"day","start":2812.89,"end":2813.05,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.5922454595565796},{"word":"with","start":2813.05,"end":2813.29,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6295564770698547},{"word":"a","start":2813.29,"end":2813.3699,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5645025968551636},{"word":"lot","start":2813.3699,"end":2813.6099,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4577885568141937},{"word":"of","start":2813.6099,"end":2813.69,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5600004196166992},{"word":"kids","start":2813.69,"end":2814.0898,"confidence":1.0,"punctuated_word":"kids","sentiment":"positive","sentiment_score":0.596433162689209},{"word":"that","start":2814.0898,"end":2814.3298,"confidence":0.9506836,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45420095324516296},{"word":"your","start":2814.3298,"end":2814.65,"confidence":0.99316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5058900117874146},{"word":"your","start":2814.65,"end":2814.81,"confidence":0.97802734,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4774792492389679},{"word":"mind","start":2814.81,"end":2815.05,"confidence":1.0,"punctuated_word":"mind","sentiment":"positive","sentiment_score":0.5498453378677368},{"word":"isn't","start":2815.05,"end":2815.29,"confidence":1.0,"punctuated_word":"isn't","sentiment":"positive","sentiment_score":0.3936023712158203},{"word":"too","start":2815.29,"end":2815.45,"confidence":0.9951172,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.190212681889534},{"word":"fried","start":2815.45,"end":2815.77,"confidence":0.98095703,"punctuated_word":"fried","sentiment":"neutral","sentiment_score":0.26681607961654663},{"word":"at","start":2815.77,"end":2815.8499,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.29679352045059204},{"word":"the","start":2815.8499,"end":2816.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2872620224952698},{"word":"moment","start":2816.01,"end":2816.51,"confidence":0.8442383,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3535076975822449},{"word":"but","start":2816.57,"end":2817.07,"confidence":0.99902344,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.4386288821697235},{"word":"thank","start":2817.21,"end":2817.3699,"confidence":0.97265625,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.6576941013336182},{"word":"you","start":2817.3699,"end":2817.6099,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7241969108581543},{"word":"for","start":2817.6099,"end":2817.77,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7230570912361145},{"word":"spending","start":2817.77,"end":2818.0898,"confidence":1.0,"punctuated_word":"spending","sentiment":"positive","sentiment_score":0.7598905563354492},{"word":"the","start":2818.0898,"end":2818.17,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7737059593200684},{"word":"time","start":2818.17,"end":2818.41,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7848220467567444},{"word":"with","start":2818.41,"end":2818.57,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8415494561195374},{"word":"me","start":2818.57,"end":2818.73,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.8383455276489258},{"word":"tonight","start":2818.73,"end":2819.211,"confidence":0.99658203,"punctuated_word":"tonight.","sentiment":"positive","sentiment_score":0.7330832481384277},{"word":"you","start":2821.451,"end":2821.691,"confidence":0.96875,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4638107717037201},{"word":"too","start":2821.691,"end":2821.8508,"confidence":0.99853516,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4525400400161743},{"word":"i'll","start":2821.8508,"end":2822.011,"confidence":0.9926758,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3462981581687927},{"word":"talk","start":2822.011,"end":2822.171,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.41911232471466064},{"word":"to","start":2822.171,"end":2822.251,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4043765068054199},{"word":"you","start":2822.251,"end":2822.411,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3969043493270874},{"word":"soon","start":2822.411,"end":2822.911,"confidence":0.99902344,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.40327703952789307},{"word":"bye","start":2824.171,"end":2824.671,"confidence":0.86938477,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11032386124134064}],"paragraphs":{"transcript":"\nHi, Simone. It's Tommy here, senior adviser from Oakview Financial. How are you going this evening? I'm doing fantastic. I'm just giving you a call to go through your annual review if you still have time.\n\nFantastic. So I've got a bit of an email pack I'm gonna send through to you today. Are you okay if I just go through a quick security check with you? Amazing. The calls are recorded for training and quality purposes.\n\nYou don't have a security question on file. Could I please confirm your date of birth and address? Perfect. And you're amazing. And I'm registered with Asica's adviser 1273105.\n\nBut thank you very much for doing that, Simone. Now I've got this pack coming out to your Gmail address. Will you be able to look onto it with me today, or should I just walk you through the documents? Amazing. So that'll come through in a moment.\n\nIt's gonna come from our new Odoo system, which is kind of custom built for us. It may go through to your spam box or your main inbox as well just for that first time. Alright. Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review? Yep.\n\nPerfect. Yep. I can definitely help you with the personal investment side of things as well. And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we carried across from last year, if that's okay. Cool.\n\nSo I'm just gonna quickly go through the previous goals from your conversation with Dana there. It was pretty straightforward from what I can see. You're really just focusing on paying down the mortgage a bit of an earlier retirement and maintaining a bit of protection there. Does that sound about right? K.\n\nNow I've got your retirement age set for 60. That's your preservation age when you can access super. So, obviously, trying to grow things quite quickly to make sure there's enough there by 60. Does that sound right? Absolutely.\n\nAnd outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing? Yep. Okay. Fantastic. And I'm just having a quick look at assets and liabilities there.\n\nYou've still mainly just got the the main residence with the mortgage car and a little bit of the CommSec account. Is that kind of your main assets? K. If you don't mind me asking, with the mortgage, we had it listed at 450 thousand. Have you paid off a big chunk since then?\n\nI know the interest rates have jumped up. 4 20. And last value was 750,000. I know the market's kind of jumped up quite a bit the last year or so. Would you say that?\n\nYeah. $7.50 to 800 as a bit of a range. I think we did actually have listed down about $5,000 in ETFs previously. Have you kind of built up the Comsec account above that? Oh, fantastic.\n\nAre you putting aside, like, regular amounts? Or yep. Right. Good little toe dip into it. And have you found it so far?\n\nYep. So it's part of the surplus there. It's not something that you need to kind of sell down or access in the next twelve months or so. Perfect. And the last couple of questions on assets and liabilities, you had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down.\n\nPerfect. Alrighty. Now I might just quickly touch on the the CommSec side of things at the moment. Now were you able to kind of pick your own ETF investments from your own research? How did you kind of come up with what to put them in?\n\nYep. So a bit of a spread across a few different ones. Perfect. And did you just go for, like, a standard kind of Vanguard funds for all three of those? Amazing.\n\nSo nice and low fee there. Brokerage isn't usually too much. When it comes to the investing side of things, I guess the way I can explain the landscape for you is your Comsec accounts, nav trade accounts give you access to the shares and the ETFs. And it's a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them. From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow.\n\nThe only thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example, from us, or other investment options, asset classes, and things like that. So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held personally in your name, and they've got all the same investment options. 1,000 300 options, all the shares, ETFs, everything you kind of want, and you can pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense. So we do do a lot of that for clients. But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance.\n\nYou can kind of afford to get the fancier platform with all the bells, whistles, features, and options. It's not something that you would do, for example, with 13,000. We usually start off people in those accounts at about 50 or 80,000. So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling. And then once you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform.\n\nSo it's kind of like three degrees of platform structure. One for the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that. K? Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house deposit or a car. So you kind of bounce between the two.\n\nYou've got your ETFs and managed platforms, and then you've got, like, tax structures for investing for on behalf of other people. Okay. What are your thoughts on that so far? I know I've just kind of dumped a bit of info at you, but any initial thoughts? Yeah.\n\nYeah. So the two main considerations I'll give you is, yes, absolutely. If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll. There's no point trying to kind of go fancier than that and apply any fees. That's perfectly fine the way it is.\n\nThe only thing to keep in mind is, like I mentioned before, access to the funds. If you're gonna put it all in shares, you generally wanna be investing for at least five to ten years rather than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially in the middle of the stock market crash. Yeah. It's almost like you're gonna forward to lose it kind of thing. So it's it's okay if it kind of goes up and down with the stock market, would you say?\n\nAbsolutely. So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall. And that's all perfectly well to try and get maximum growth for retirement over the next thirty years. When we do personal investing, we actually create for you a personal risk profile. And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so on, we can kind of tailor things a little bit there down the line.\n\nCool. Now while we're on the subject, I just wanted to double check. Obviously, you've been checking your super lately, and you're in that kind of volatile market at the moment. I've noticed your your fund bouncing up and down quite a bit lately. When was the last time you logged in?\n\nYesterday. Perfect. One really good example I wanted to just quickly run by you is when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135. So it's a $10 drop, and then it bounced straight back up to $1.46 a few weeks later. So it's like 10 down, 11 up, and that kind of equates to, like, a 7% drop and a 9% gain in all of six weeks.\n\nSo that's kind of the volatility we're looking at. I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in a shorter period of time. And I was wanting to kind of gauge your comfort level with that. Yep. Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially considering you're in the education department.\n\nThey pay pretty well on the payroll frequency. They're not just waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that weekly fortnightly basis. So what we tend to do there is contributions come in. If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price. And then when the market bounces back, you can kinda get that big double digit return on the way up again.\n\nNow probably don't wanna stay high risk when you're, say, 59 and then lose half your super to a stock market crash a year before you retire. Does that make sense? Absolutely. So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see that there. There's a hub twenty four performance report.\n\nYep. And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec because they are ETFs as well. And then the second page is your total portfolio in one line. K. So overall, 10.33% return after fees.\n\nFantastic. That's kind of what we're aiming for in high growth is 10% or above in terms of a benchmark. The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different percentage returns of each asset that you hold. So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return, and the rest of them vary between 4% upwards of 80 or 90%. K.\n\nSo that's all your different sectors and asset classes. So Australian shares, gold, your battery tech and lithium was amazing. That's kind of electric vehicles. That one had probably the biggest surge in the last twelve months, but your Australian shares are a bit down at the moment as well. K.\n\nSo what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance your investments, and then just keep your contributions going in to keep buying into those different assets. K? Any questions or concerns so far from what you can see and from what I've told you? K? I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market.\n\nSo it's, yes. That been a long fund. It's dropping a little bit quicker than the other options in the same space. And if that doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them are all looking pretty good. K?\n\nThere's a couple there that had, like, a slight negative. I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year. So we call that kind of cyclical. Depends on what's going on in the world economy a little bit more than just following your country up and down. Yes.\n\nCorrect. So yeah. So in the the middle, there's a few different columns. You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes. But the two next to it, growth and income, that's your capital growth versus your dividends.\n\nSo they kind of combine the two and go, okay. Total earnings for that investment. Yes. So the value of the underlying shares or assets, it's the the capital value of them. So if you bought Microsoft and it went up in value, that would be plugged in there as the dollar figure and the percentage.\n\nAnd then if it paid a dividend, that would be split separately and then merged together at the end for the total return. Cool. And you should see something pretty similar on your CommSec account. I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got, like, a reinvestment plan and the the fluctuating unit values as well. K?\n\nSo, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch. All in all, though, I kind of like the spread that you've got in your super funds. You've got property, gold, Aussie shares international. It's I guess the buzzword is diversification, but there's no areas there that I think that you're lacking. K?\n\nJust quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return? Do you have, like, a bit of a gut feeling between the two? Yeah. Absolutely. And we can do we've pretty much got a similar approach with the super.\n\nAll of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard. The managed fund at the top is the one that's kind of supposed to be outperforming based on the phase that it's charging. So that's one where I would kind of look at a bit of an index fund replacement, pretty similar to the one that you would already have in your CommSec, the a 200. K? Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months?\n\nYes. That's right. Yep. Absolutely. No.\n\nYeah. Yep. That's pretty reasonable. And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy to do that. The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I don't usually play with it too much every couple of months.\n\nBut if you had three options that run the performing, we would do a full rebalance. So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update, and I'll pretty much have the research pre prepared for you as well. K? Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put a lot of your surplus into, like, an offset account or anything like that? Yeah.\n\nSo, Mohan, what what bank you with at the moment? Yeah. Wow. Okay. Yes.\n\nYeah. It's just too accessible, too easy to transfer between accounts and swipe a card, isn't it? You know what? That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not. And, really, it's just recognizing the behavioral side of things that if it's there, it's too easy to touch.\n\nSo some clients even go back to using a regrow facility because it's harder to access. But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction? Do you know what I mean? To be honest, Simone yeah. But that takes so much it takes time.\n\nIt takes practice. It takes revisiting it regularly. And if you find that putting into a savings account works for you, like, absolutely go for it. It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that people don't offset as much as they think they would have when they start that journey. So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well?\n\nSensational. And that's with UBank? Amazing. Yep. And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay?\n\nYep. Look. That's fantastic. I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days. There's a lot of people kind of scrimping week to week, so I think that's fantastic.\n\nI'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account. And for the rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well. Yeah. Absolutely. Can I just quickly check with you as well?\n\nI mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is that down the line potentially? Perfect. Alright. Peachy is a great name. I'll put that down.\n\nSo we'll go married status, but Peachy is the surname to stay. And I'm just gonna put that in as maiden name as well so no one assumes. And just to double check, is that to Theodore? Oh, sorry, Simone. Are you still there?\n\nOh, I just lost you for a few seconds. Can you hear me okay? Yes. I'm back. Sorry.\n\nAbout seven seconds have cut out there. I do apologize. I was just double checking because Theodore was listed as your next of kin and emergency contact, And I'm assuming that is your partner, not like a friend. Yes. Yep.\n\nPerfect. Just didn't wanna assume that your next of kin from original wasn't somebody else. We've got no changes to your address, email, or phone number. You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher. Did you have much of an income change?\n\nBecause there was a potential drop on the cards from your last review. I'm wondering if that uh-huh. Okay. K. Do you know what your annual income is gonna look like for the financial year when you do your tax return?\n\nPerfect. So that $1.40, I can kind of leave it there for the time being. Perfect. And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning? I know that in your state, if it's helpful, besides obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse.\n\nThey do wills and power of attorneys as well. And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well. And there's even will kits from the post office for about $25, which are quite basic, but they're good if it's just a mortgage and some savings. I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to. No.\n\nIt's it's left blank at the moment. I wanted to just quickly check with you what end up. That's a common occurrence. It's a guy. Yep.\n\nYeah. Financial dependent. Yeah. So partner, child, interdependency relationship are the three main ones. Yeah.\n\nIf you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can even express post out the forms with a return envelope if that's easier. Oh, wow. Did you get them witnessed as well? Yep. Oh, that can be a bit of a pain.\n\nI know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are. But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've updated them. So I'm like Yep. I can get that organized. No worries at all.\n\nNow I'm assuming because you filled them in before. Yes. Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with the two witnesses on the same date. Alrighty. So I'll put that in for a bit of a return there.\n\nLet me just double check as well while I've got you. Is your life insurance through MetLife? We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover. It's your lump sums if you pass away or can never work again. You've just had an anniversary on the April 2.\n\nDid you want Theo listed as the life insurance beneficiary as well? It's for life insurance, it could be pretty much anybody. K. Cool. I I can do that for both.\n\nThat's no worries at all. It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those up perfectly fine. Two quick questions on it. You do have the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it. Yep.\n\nOkay. Positive foreshadowing is good. I have had some interesting conversations over the years, but we can do that. And, look, we'll touch on it every review anyway just in case. Cool.\n\nJust quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to double check with you as well. So let's say that situation happens. Your car accident can never work again. There's 550,000 comes out plus your 100 and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over. Just wanted to double check with you that situation.\n\nDoes that sound okay for you guys? Is that too high? Is that too low? Yep. And just having a look at the price there.\n\nYeah. Look. I'm not too concerned about the life and TPD. When you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well. So it's not really, like, slowing down your growth, if that makes sense.\n\nYou do have the last one I wanted to touch on was your income protection. You've got a ninety day waiting period. So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness or injury lasts that long. You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that event. Is that Yep.\n\nPerfect. Now your cover amount is $7,555 per month, and you do have indexation on that. So it does increase with inflation. Assuming I'm just gonna quickly work back the figures here. So that's protecting an income of 130,000, technically speaking.\n\nI think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about. Just double checking that still covers the expenses for you guys. Cool. Because technically, you can go for more based on the higher income. But, again, if that contract is temporary, I don't wanna kind of increase your insurance and then all of a sudden have to decrease it again, and then you pay more than what you can claim on.\n\nPerfect. Alrighty. Simone, we have gone through quite a few different areas tonight. Do you have any questions for me so far? Okay.\n\nSo the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares. We'll kind of leave the insurance alone for the time being, and then just update your estate planning, get your beneficiaries up to date as well. Cool. When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go. And then at the next review, we'll kind of touch base on it.\n\nAnd if we need to start using a platform, we can go through, like, that personal risk profile with you and build you a bit of a portfolio there as well. Okay. Oh, sorry. Could you repeat that for me? Yep.\n\nYes. That's right. I think the last figure I had when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment? Yep. So look.\n\nAll in all, mortgage is going down. You've still got some savings, and you're building up some investments. And you know how we were talking about the offset account idea before? If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of building up that wealth and equity much quicker in the background that at some point, you could possibly even just pay off the mortgage with it as well. You don't have to go down that that other route of offset accounts.\n\nInvesting does the same thing too. So if I have a look, I'm gonna do a quick progress update with you. So we've got okay. So you've got a pretty good balance for your age. It's pretty well straight in that kind of above average mark.\n\nYou're in high growth. You're getting good contributions on a high income. You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark. Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax free as well. So I think you can pretty much get to most common retirement goals as is without having to do the salary sacrifice.\n\nThe question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example, put a 100 in. Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super. That's obviously gonna speed things up a little bit. And then the flip side to that is the family building. So do you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your your family planning look like?\n\nYep. And would you probably take off the the full twelve months, do you think? Yeah. Gotcha. Gotcha.\n\nSo between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well. Yep. So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if you're about to kind of slow down, stop work, and then go part time for a period. It'll probably be something to do after that. I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely not gonna recommend it for this year.\n\nSo let's say you've got your contributions coming in from work, call it about $1,314,000 after tax. Your current balance is 146,000. And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for? So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where even in twenty years' time, you could be sitting there with 1 and a half million. Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement.\n\nSo what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you probably won't have to do it until that point, and then you probably don't have to do it for more than a couple of years. K? So there's no there's no rush. I don't see you heavily behind that you need to play catch up or anything. And, obviously, people talk about tax benefits and and that kind of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super.\n\nYou know, what's the priority? Does that make sense? Yep. Cool. I'll put a few notes on the file.\n\nObviously, we'll come back to that over the next few years as well, but I hope that kinda helps a little bit. The full savings aspect. Yeah. Yeah. I get you.\n\nYeah. There's that too. And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the different states pretty regularly? And did they change the superannuation contribution scheme at that point as well? Because I know a lot of people were doing the matching program.\n\nYou put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway. Do you know if they did that with yours? When I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time. And it worked out to be about a 145,000 for your your yearly income, which is pretty close to what you were telling me before. So if I go a 140,000, and let's say it is 12.5%, Yeah.\n\nIt pretty well works out to be the same amount. So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly touch base with your payroll to see if there's any matching programs or anything like that or what your percentage is. If they come back and say that you can do the matching program, I can help you figure out the the best way to do that because they the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice. So if they say that's available, can you let us know straight away? If not, I wouldn't worry about it until after maternity leave.\n\nCool. I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well. Cool. Alright. Any other things I can help with before I let you go?\n\nI made it. Yep. Go for it. So that is a fantastic question that has three slightly small answers to it. Is we do individual advice to start with.\n\nSo because you already have an ongoing plan, we would do the same starting foundation plan for your partner. After that point, we can do joint reviews with you guys and joint advice together because we need to factor in, you know, joint retirement goals and things like that, but we just wanna make sure he has that foundational piece to start with. From that point, a couple of things to consider is there is, like, a partner fee discount as well. So I was just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year. The partner fee discount is 1.1, so it chops about a third off per person.\n\nCorrect. K? From that point, Hub twenty four also offers family linking. So if we do recommend a similar super fund to your partner, you can actually link your accounts together for cheaper admin fees. And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts.\n\nSo there's a lot of a lot of linking for discounts that can be done as well. K? I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year. If we do bring your partner on board, we will send you an amended agreement after he signs up as well. K?\n\nDo you want me to take down any yeah. And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just call into reception, talk to the girls. I'll get him booked in with myself or one of the other advisers, and we'll just go through the usual complimentary consultation, bit of research, and see if we can help him. Cool. Alrighty.\n\nAny other questions at the moment before I let you go? Amazing. No. Thank you for taking the time. I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment.\n\nBut thank you for spending the time with me tonight. You too. I'll talk to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Simone.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.15870704501867294},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.08,"end":6.64,"sentiment":"neutral","sentiment_score":0.16287540644407272},{"text":"How are you going this evening?","start":6.64,"end":7.94,"sentiment":"neutral","sentiment_score":0.24964195738236108},{"text":"I'm doing fantastic.","start":9.5199995,"end":10.5,"sentiment":"positive","sentiment_score":0.7650926311810812},{"text":"I'm just giving you a call to go through your annual review if you still have time.","start":10.719999,"end":13.965,"sentiment":"positive","sentiment_score":0.38956308540175943}],"sentiment":"positive","sentiment_score":0.33433665086825687,"num_words":36,"start":3.4399998,"end":13.965},{"sentences":[{"text":"Fantastic.","start":15.485001,"end":15.985001,"sentiment":"positive","sentiment_score":0.5918179154396057},{"text":"So I've got a bit of an email pack I'm gonna send through to you today.","start":16.045,"end":19.345001,"sentiment":"neutral","sentiment_score":0.3052190886810422},{"text":"Are you okay if I just go through a quick security check with you?","start":19.485,"end":22.465,"sentiment":"neutral","sentiment_score":0.15839835203119687},{"text":"Amazing.","start":23.485,"end":23.985,"sentiment":"positive","sentiment_score":0.43849384784698486},{"text":"The calls are recorded for training and quality purposes.","start":24.365,"end":27.105,"sentiment":"neutral","sentiment_score":0.18821486830711365}],"sentiment":"neutral","sentiment_score":0.23964214452156207,"num_words":41,"start":15.485001,"end":27.105},{"sentences":[{"text":"You don't have a security question on file.","start":27.404999,"end":29.825,"sentiment":"neutral","sentiment_score":0.08858559839427471},{"text":"Could I please confirm your date of birth and address?","start":30.02,"end":32.760002,"sentiment":"neutral","sentiment_score":0.06546167954802513},{"text":"Perfect.","start":37.06,"end":37.56,"sentiment":"positive","sentiment_score":0.40730151534080505},{"text":"And you're amazing.","start":39.3,"end":42.440002,"sentiment":"positive","sentiment_score":0.4152122636636098},{"text":"And I'm registered with Asica's adviser 1273105.","start":42.58,"end":46.075,"sentiment":"neutral","sentiment_score":0.1780685122523989}],"sentiment":"neutral","sentiment_score":0.14699032671492676,"num_words":29,"start":27.404999,"end":46.075},{"sentences":[{"text":"But thank you very much for doing that, Simone.","start":46.075,"end":48.015,"sentiment":"positive","sentiment_score":0.5610149535867903},{"text":"Now I've got this pack coming out to your Gmail address.","start":49.195,"end":52.475002,"sentiment":"neutral","sentiment_score":0.04920512031425129},{"text":"Will you be able to look onto it with me today, or should I just walk you through the documents?","start":52.475002,"end":56.175003,"sentiment":"neutral","sentiment_score":0.07193416003137827},{"text":"Amazing.","start":58.33,"end":58.73,"sentiment":"positive","sentiment_score":0.33548426628112793},{"text":"So that'll come through in a moment.","start":58.73,"end":60.73,"sentiment":"neutral","sentiment_score":0.257488237959998}],"sentiment":"neutral","sentiment_score":0.19097866746596992,"num_words":48,"start":46.075,"end":60.73},{"sentences":[{"text":"It's gonna come from our new Odoo system, which is kind of custom built for us.","start":60.73,"end":65.39,"sentiment":"neutral","sentiment_score":0.2572097722440958},{"text":"It may go through to your spam box or your main inbox as well just for that first time.","start":65.45,"end":70.75,"sentiment":"neutral","sentiment_score":0.15209266504174784},{"text":"Alright.","start":74.175,"end":74.655,"sentiment":"neutral","sentiment_score":0.10179281234741212},{"text":"Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review?","start":74.655,"end":79.635,"sentiment":"neutral","sentiment_score":0.0701038350040714},{"text":"Yep.","start":105.725,"end":106.045,"sentiment":"neutral","sentiment_score":0.07560160011053085}],"sentiment":"neutral","sentiment_score":0.14532792531564587,"num_words":61,"start":60.73,"end":106.045},{"sentences":[{"text":"Perfect.","start":106.045,"end":106.545,"sentiment":"neutral","sentiment_score":0.32952880859375},{"text":"Yep.","start":108.21,"end":108.45,"sentiment":"neutral","sentiment_score":0.20478692650794983},{"text":"I can definitely help you with the personal investment side of things as well.","start":108.45,"end":112.05,"sentiment":"positive","sentiment_score":0.3521597965487412},{"text":"And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we carried across from last year, if that's okay.","start":112.05,"end":122.15,"sentiment":"neutral","sentiment_score":0.1427563420320685},{"text":"Cool.","start":122.175,"end":122.675,"sentiment":"positive","sentiment_score":0.5527805685997009}],"sentiment":"neutral","sentiment_score":0.20924663167722798,"num_words":54,"start":106.045,"end":122.675},{"sentences":[{"text":"So I'm just gonna quickly go through the previous goals from your conversation with Dana there.","start":123.775,"end":128.91501,"sentiment":"neutral","sentiment_score":0.3221223372966051},{"text":"It was pretty straightforward from what I can see.","start":129.215,"end":131.695,"sentiment":"positive","sentiment_score":0.3872060577074687},{"text":"You're really just focusing on paying down the mortgage a bit of an earlier retirement and maintaining a bit of protection there.","start":131.695,"end":138.69,"sentiment":"neutral","sentiment_score":0.18542420931837775},{"text":"Does that sound about right?","start":138.69,"end":139.99,"sentiment":"neutral","sentiment_score":0.1465287387371063},{"text":"K.","start":141.17,"end":141.65,"sentiment":"neutral","sentiment_score":0.06353358924388885}],"sentiment":"neutral","sentiment_score":0.25498720384993645,"num_words":53,"start":123.775,"end":141.65},{"sentences":[{"text":"Now I've got your retirement age set for 60.","start":141.65,"end":144.39,"sentiment":"neutral","sentiment_score":0.07256572900546922},{"text":"That's your preservation age when you can access super.","start":144.53,"end":147.375,"sentiment":"neutral","sentiment_score":0.05881850504212909},{"text":"So, obviously, trying to grow things quite quickly to make sure there's enough there by 60.","start":147.615,"end":151.615,"sentiment":"neutral","sentiment_score":0.09184424788691103},{"text":"Does that sound right?","start":151.615,"end":152.675,"sentiment":"neutral","sentiment_score":0.11247377656400205},{"text":"Absolutely.","start":155.295,"end":155.795,"sentiment":"neutral","sentiment_score":0.24711169302463531}],"sentiment":"neutral","sentiment_score":0.08587109927947705,"num_words":39,"start":141.65,"end":155.795},{"sentences":[{"text":"And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing?","start":156.175,"end":163.075,"sentiment":"neutral","sentiment_score":0.07100968156009912},{"text":"Yep.","start":178.25499,"end":178.735,"sentiment":"neutral","sentiment_score":0.11940621584653854},{"text":"Okay.","start":178.735,"end":179.235,"sentiment":"neutral","sentiment_score":0.29260939359664917},{"text":"Fantastic.","start":179.295,"end":179.795,"sentiment":"positive","sentiment_score":0.4737510681152344},{"text":"And I'm just having a quick look at assets and liabilities there.","start":180.33499,"end":184.575,"sentiment":"neutral","sentiment_score":0.22159908277293047}],"sentiment":"neutral","sentiment_score":0.1380315855447505,"num_words":37,"start":156.175,"end":184.575},{"sentences":[{"text":"You've still mainly just got the the main residence with the mortgage car and a little bit of the CommSec account.","start":184.575,"end":191.7,"sentiment":"neutral","sentiment_score":0.12062290488254457},{"text":"Is that kind of your main assets?","start":191.7,"end":193.23999,"sentiment":"neutral","sentiment_score":0.09483712166547775},{"text":"K.","start":194.66,"end":195.06,"sentiment":"neutral","sentiment_score":0.023171674460172653},{"text":"If you don't mind me asking, with the mortgage, we had it listed at 450 thousand.","start":195.06,"end":199.54,"sentiment":"neutral","sentiment_score":0.016113809746457264},{"text":"Have you paid off a big chunk since then?","start":199.54,"end":201.86,"sentiment":"neutral","sentiment_score":-0.03942486457526684}],"sentiment":"neutral","sentiment_score":0.057835364878108655,"num_words":54,"start":184.575,"end":201.86},{"sentences":[{"text":"I know the interest rates have jumped up.","start":201.86,"end":203.565,"sentiment":"neutral","sentiment_score":-0.0056691719219088554},{"text":"4 20.","start":205.485,"end":206.38501,"sentiment":"neutral","sentiment_score":0.017250317614525557},{"text":"And last value was 750,000.","start":207.485,"end":210.125,"sentiment":"neutral","sentiment_score":0.012810254842042923},{"text":"I know the market's kind of jumped up quite a bit the last year or so.","start":210.125,"end":213.745,"sentiment":"neutral","sentiment_score":0.01630851160734892},{"text":"Would you say that?","start":215.005,"end":216.18,"sentiment":"neutral","sentiment_score":0.0031928978860378265}],"sentiment":"neutral","sentiment_score":0.009340180323592254,"num_words":35,"start":201.86,"end":216.18},{"sentences":[{"text":"Yeah.","start":227.06,"end":227.45999,"sentiment":"neutral","sentiment_score":0.06699356436729431},{"text":"$7.50 to 800 as a bit of a range.","start":227.45999,"end":230.04,"sentiment":"neutral","sentiment_score":0.06680602745877372},{"text":"I think we did actually have listed down about $5,000 in ETFs previously.","start":231.095,"end":236.395,"sentiment":"neutral","sentiment_score":0.03799335601238104},{"text":"Have you kind of built up the Comsec account above that?","start":236.935,"end":240.155,"sentiment":"neutral","sentiment_score":0.04668293554674496},{"text":"Oh, fantastic.","start":244.55,"end":245.29,"sentiment":"positive","sentiment_score":0.5901101231575012}],"sentiment":"neutral","sentiment_score":0.07933038824962245,"num_words":36,"start":227.06,"end":245.29},{"sentences":[{"text":"Are you putting aside, like, regular amounts?","start":245.35,"end":247.35,"sentiment":"neutral","sentiment_score":0.15663932050977433},{"text":"Or yep.","start":247.35,"end":253.53,"sentiment":"neutral","sentiment_score":0.12588268890976906},{"text":"Right.","start":253.83,"end":254.15,"sentiment":"neutral","sentiment_score":0.2932720184326172},{"text":"Good little toe dip into it.","start":254.15,"end":255.43,"sentiment":"positive","sentiment_score":0.5106196850538254},{"text":"And have you found it so far?","start":255.43,"end":256.97,"sentiment":"neutral","sentiment_score":0.23743667134216853}],"sentiment":"neutral","sentiment_score":0.2768385847625525,"num_words":23,"start":245.35,"end":256.97},{"sentences":[{"text":"Yep.","start":263.74503,"end":264.14502,"sentiment":"neutral","sentiment_score":0.2153890430927277},{"text":"So it's part of the surplus there.","start":264.14502,"end":266.225,"sentiment":"neutral","sentiment_score":0.2146994365113122},{"text":"It's not something that you need to kind of sell down or access in the next twelve months or so.","start":266.225,"end":270.54,"sentiment":"neutral","sentiment_score":0.0710213428363204},{"text":"Perfect.","start":273.18002,"end":273.66,"sentiment":"neutral","sentiment_score":0.22448265552520752},{"text":"And the last couple of questions on assets and liabilities, you had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down.","start":273.66,"end":284.955,"sentiment":"neutral","sentiment_score":0.03913591013235204}],"sentiment":"neutral","sentiment_score":0.074505008816246,"num_words":63,"start":263.74503,"end":284.955},{"sentences":[{"text":"Perfect.","start":288.155,"end":288.655,"sentiment":"positive","sentiment_score":0.4139903783798218},{"text":"Alrighty.","start":288.79498,"end":289.29498,"sentiment":"neutral","sentiment_score":0.1863611340522766},{"text":"Now I might just quickly touch on the the CommSec side of things at the moment.","start":289.435,"end":293.29498,"sentiment":"neutral","sentiment_score":0.06620498513802886},{"text":"Now were you able to kind of pick your own ETF investments from your own research?","start":293.51498,"end":299.13498,"sentiment":"neutral","sentiment_score":0.04087896109558642},{"text":"How did you kind of come up with what to put them in?","start":299.19498,"end":312.4,"sentiment":"neutral","sentiment_score":0.03912064160865087}],"sentiment":"neutral","sentiment_score":0.06004814878898732,"num_words":47,"start":288.155,"end":312.4},{"sentences":[{"text":"Yep.","start":318.86502,"end":319.265,"sentiment":"neutral","sentiment_score":0.06832903623580933},{"text":"So a bit of a spread across a few different ones.","start":319.265,"end":321.685,"sentiment":"neutral","sentiment_score":0.050523073158480904},{"text":"Perfect.","start":325.28,"end":325.6,"sentiment":"positive","sentiment_score":0.3839121460914612},{"text":"And did you just go for, like, a standard kind of Vanguard funds for all three of those?","start":325.6,"end":330.5,"sentiment":"neutral","sentiment_score":0.12249875937898953},{"text":"Amazing.","start":332.8,"end":333.28,"sentiment":"positive","sentiment_score":0.6167970895767212}],"sentiment":"neutral","sentiment_score":0.11968030454590917,"num_words":32,"start":318.86502,"end":333.28},{"sentences":[{"text":"So nice and low fee there.","start":333.28,"end":335.22,"sentiment":"positive","sentiment_score":0.5956093271573385},{"text":"Brokerage isn't usually too much.","start":335.28,"end":337.3,"sentiment":"neutral","sentiment_score":0.03899577334523201},{"text":"When it comes to the investing side of things, I guess the way I can explain the landscape for you is your Comsec accounts, nav trade accounts give you access to the shares and the ETFs.","start":338.0,"end":350.04498,"sentiment":"neutral","sentiment_score":0.12561285687196586},{"text":"And it's a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them.","start":350.425,"end":356.4,"sentiment":"positive","sentiment_score":0.49516537108204584},{"text":"From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow.","start":357.75998,"end":365.22,"sentiment":"neutral","sentiment_score":0.27778000157812366}],"sentiment":"neutral","sentiment_score":0.277970389969161,"num_words":92,"start":333.28,"end":365.22},{"sentences":[{"text":"The only thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example, from us, or other investment options, asset classes, and things like that.","start":365.28,"end":382.71,"sentiment":"neutral","sentiment_score":0.07268364273193406},{"text":"So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held personally in your name, and they've got all the same investment options.","start":384.22998,"end":397.635,"sentiment":"neutral","sentiment_score":0.17399254059646188},{"text":"1,000 300 options, all the shares, ETFs, everything you kind of want, and you can pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense.","start":397.795,"end":409.255,"sentiment":"neutral","sentiment_score":0.19848893683504415},{"text":"So we do do a lot of that for clients.","start":410.85,"end":413.00998,"sentiment":"neutral","sentiment_score":0.23723858445882798},{"text":"But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance.","start":413.00998,"end":419.43,"sentiment":"neutral","sentiment_score":0.29402021351067914}],"sentiment":"neutral","sentiment_score":0.17495174299141295,"num_words":152,"start":365.28,"end":419.43},{"sentences":[{"text":"You can kind of afford to get the fancier platform with all the bells, whistles, features, and options.","start":419.57,"end":424.83502,"sentiment":"positive","sentiment_score":0.3435270008113649},{"text":"It's not something that you would do, for example, with 13,000.","start":425.135,"end":428.595,"sentiment":"neutral","sentiment_score":0.032058585096489296},{"text":"We usually start off people in those accounts at about 50 or 80,000.","start":428.73502,"end":432.915,"sentiment":"neutral","sentiment_score":0.10438476216334563},{"text":"So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling.","start":434.75,"end":441.65,"sentiment":"positive","sentiment_score":0.49681119561195375},{"text":"And then once you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform.","start":441.71,"end":449.72998,"sentiment":"neutral","sentiment_score":0.22342466425012658}],"sentiment":"neutral","sentiment_score":0.28027529982810323,"num_words":94,"start":419.57,"end":449.72998},{"sentences":[{"text":"So it's kind of like three degrees of platform structure.","start":449.835,"end":453.535,"sentiment":"neutral","sentiment_score":0.17107161432504653},{"text":"One for the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that.","start":453.91498,"end":461.775,"sentiment":"neutral","sentiment_score":0.14458813786506652},{"text":"K?","start":463.85,"end":464.35,"sentiment":"neutral","sentiment_score":0.025870753452181816},{"text":"Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house deposit or a car.","start":464.41,"end":477.94498,"sentiment":"neutral","sentiment_score":0.1278446004928454},{"text":"So you kind of bounce between the two.","start":477.94498,"end":480.125,"sentiment":"neutral","sentiment_score":0.15927202068269253}],"sentiment":"neutral","sentiment_score":0.13895909034957488,"num_words":90,"start":449.835,"end":480.125},{"sentences":[{"text":"You've got your ETFs and managed platforms, and then you've got, like, tax structures for investing for on behalf of other people.","start":480.185,"end":488.125,"sentiment":"neutral","sentiment_score":0.1546457250687209},{"text":"Okay.","start":489.74,"end":490.06,"sentiment":"neutral","sentiment_score":0.13398399949073792},{"text":"What are your thoughts on that so far?","start":490.06,"end":491.5,"sentiment":"neutral","sentiment_score":0.11064627766609192},{"text":"I know I've just kind of dumped a bit of info at you, but any initial thoughts?","start":491.5,"end":495.6,"sentiment":"neutral","sentiment_score":-0.0726427464362453},{"text":"Yeah.","start":503.51498,"end":504.01498,"sentiment":"neutral","sentiment_score":0.00753214955329895}],"sentiment":"neutral","sentiment_score":0.0651829720911931,"num_words":49,"start":480.185,"end":504.01498},{"sentences":[{"text":"Yeah.","start":524.25,"end":524.57,"sentiment":"neutral","sentiment_score":0.16105398535728457},{"text":"So the two main considerations I'll give you is, yes, absolutely.","start":524.57,"end":528.135,"sentiment":"neutral","sentiment_score":0.30129362642765045},{"text":"If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll.","start":528.355,"end":541.52,"sentiment":"neutral","sentiment_score":0.32614044227251193},{"text":"There's no point trying to kind of go fancier than that and apply any fees.","start":541.52,"end":546.18,"sentiment":"neutral","sentiment_score":-0.023560155431429544},{"text":"That's perfectly fine the way it is.","start":547.60004,"end":549.44,"sentiment":"positive","sentiment_score":0.708452011857714}],"sentiment":"neutral","sentiment_score":0.2860373834768931,"num_words":75,"start":524.25,"end":549.44},{"sentences":[{"text":"The only thing to keep in mind is, like I mentioned before, access to the funds.","start":549.44,"end":554.02,"sentiment":"neutral","sentiment_score":0.025483330246061087},{"text":"If you're gonna put it all in shares, you generally wanna be investing for at least five to ten years rather than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially in the middle of the stock market crash.","start":554.34503,"end":567.645,"sentiment":"neutral","sentiment_score":-0.14478631416449741},{"text":"Yeah.","start":575.02,"end":575.26,"sentiment":"neutral","sentiment_score":-0.06350094079971313},{"text":"It's almost like you're gonna forward to lose it kind of thing.","start":575.26,"end":577.66003,"sentiment":"neutral","sentiment_score":-0.21609889902174473},{"text":"So it's it's okay if it kind of goes up and down with the stock market, would you say?","start":577.66003,"end":582.285,"sentiment":"neutral","sentiment_score":-0.10525397544628695}],"sentiment":"neutral","sentiment_score":-0.11694133373879895,"num_words":97,"start":549.44,"end":582.285},{"sentences":[{"text":"Absolutely.","start":583.96497,"end":584.46497,"sentiment":"positive","sentiment_score":0.3990046977996826},{"text":"So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall.","start":584.52496,"end":592.785,"sentiment":"neutral","sentiment_score":0.1412897394462065},{"text":"And that's all perfectly well to try and get maximum growth for retirement over the next thirty years.","start":594.125,"end":600.19,"sentiment":"positive","sentiment_score":0.4326767242617077},{"text":"When we do personal investing, we actually create for you a personal risk profile.","start":600.32996,"end":604.43,"sentiment":"neutral","sentiment_score":0.1618228858070714},{"text":"And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so on, we can kind of tailor things a little bit there down the line.","start":604.81,"end":625.59,"sentiment":"neutral","sentiment_score":0.11863450181077827}],"sentiment":"neutral","sentiment_score":0.17382685346246668,"num_words":132,"start":583.96497,"end":625.59},{"sentences":[{"text":"Cool.","start":627.03,"end":627.53,"sentiment":"neutral","sentiment_score":0.2662118077278137},{"text":"Now while we're on the subject, I just wanted to double check.","start":627.83,"end":630.31,"sentiment":"neutral","sentiment_score":0.01342124491930008},{"text":"Obviously, you've been checking your super lately, and you're in that kind of volatile market at the moment.","start":630.31,"end":636.23004,"sentiment":"neutral","sentiment_score":-0.08933081550316678},{"text":"I've noticed your your fund bouncing up and down quite a bit lately.","start":636.23004,"end":640.08496,"sentiment":"neutral","sentiment_score":-0.1602867838854973},{"text":"When was the last time you logged in?","start":640.08496,"end":642.02496,"sentiment":"neutral","sentiment_score":-0.039064609445631504}],"sentiment":"neutral","sentiment_score":-0.06878717304565586,"num_words":52,"start":627.03,"end":642.02496},{"sentences":[{"text":"Yesterday.","start":644.40497,"end":644.90497,"sentiment":"neutral","sentiment_score":-0.019678693264722824},{"text":"Perfect.","start":645.925,"end":646.425,"sentiment":"neutral","sentiment_score":0.221955806016922},{"text":"One really good example I wanted to just quickly run by you is when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135.","start":648.725,"end":663.09,"sentiment":"neutral","sentiment_score":0.08580982426388396},{"text":"So it's a $10 drop, and then it bounced straight back up to $1.46 a few weeks later.","start":663.09,"end":668.95,"sentiment":"neutral","sentiment_score":0.11726714877618684},{"text":"So it's like 10 down, 11 up, and that kind of equates to, like, a 7% drop and a 9% gain in all of six weeks.","start":668.985,"end":678.765,"sentiment":"neutral","sentiment_score":0.06106162364952839}],"sentiment":"neutral","sentiment_score":0.08524197169647711,"num_words":82,"start":644.40497,"end":678.765},{"sentences":[{"text":"So that's kind of the volatility we're looking at.","start":678.90497,"end":681.14496,"sentiment":"neutral","sentiment_score":-0.07572024812301},{"text":"I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in a shorter period of time.","start":681.14496,"end":692.81,"sentiment":"neutral","sentiment_score":-0.08007527851476902},{"text":"And I was wanting to kind of gauge your comfort level with that.","start":692.81,"end":695.625,"sentiment":"neutral","sentiment_score":0.07048759953333782},{"text":"Yep.","start":700.745,"end":701.245,"sentiment":"neutral","sentiment_score":0.16576576232910156},{"text":"Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially considering you're in the education department.","start":701.305,"end":710.285,"sentiment":"neutral","sentiment_score":0.16630544155836105}],"sentiment":"neutral","sentiment_score":0.014327774640549434,"num_words":89,"start":678.90497,"end":710.285},{"sentences":[{"text":"They pay pretty well on the payroll frequency.","start":710.7,"end":714.96,"sentiment":"positive","sentiment_score":0.38817761465907097},{"text":"They're not just waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that weekly fortnightly basis.","start":715.26,"end":725.04004,"sentiment":"neutral","sentiment_score":0.19731421994440485},{"text":"So what we tend to do there is contributions come in.","start":726.33496,"end":729.295,"sentiment":"neutral","sentiment_score":0.17195490409027447},{"text":"If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price.","start":729.295,"end":737.45496,"sentiment":"neutral","sentiment_score":0.2447416459520658},{"text":"And then when the market bounces back, you can kinda get that big double digit return on the way up again.","start":737.45496,"end":742.67,"sentiment":"neutral","sentiment_score":0.2949737970318113}],"sentiment":"neutral","sentiment_score":0.2431552741423394,"num_words":103,"start":710.7,"end":742.67},{"sentences":[{"text":"Now probably don't wanna stay high risk when you're, say, 59 and then lose half your super to a stock market crash a year before you retire.","start":744.64996,"end":752.33,"sentiment":"neutral","sentiment_score":-0.30309392263491947},{"text":"Does that make sense?","start":752.33,"end":753.375,"sentiment":"neutral","sentiment_score":-0.10517635382711887},{"text":"Absolutely.","start":754.895,"end":755.395,"sentiment":"neutral","sentiment_score":0.17343468964099884},{"text":"So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see that there.","start":755.455,"end":764.415,"sentiment":"neutral","sentiment_score":0.12080013687308463},{"text":"There's a hub twenty four performance report.","start":764.415,"end":766.435,"sentiment":"neutral","sentiment_score":0.04462452818240438}],"sentiment":"neutral","sentiment_score":-0.050261733494699,"num_words":75,"start":744.64996,"end":766.435},{"sentences":[{"text":"Yep.","start":772.13,"end":772.37,"sentiment":"neutral","sentiment_score":0.10831093788146973},{"text":"And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec because they are ETFs as well.","start":772.37,"end":781.825,"sentiment":"neutral","sentiment_score":0.13525832804540794},{"text":"And then the second page is your total portfolio in one line.","start":781.825,"end":786.485,"sentiment":"neutral","sentiment_score":0.08063694834709167},{"text":"K.","start":788.465,"end":788.78503,"sentiment":"neutral","sentiment_score":0.021382005885243416},{"text":"So overall, 10.33% return after fees.","start":788.78503,"end":793.765,"sentiment":"positive","sentiment_score":0.3770397628347079}],"sentiment":"neutral","sentiment_score":0.14834649484604598,"num_words":50,"start":772.13,"end":793.765},{"sentences":[{"text":"Fantastic.","start":794.07,"end":794.57,"sentiment":"positive","sentiment_score":0.7908744215965271},{"text":"That's kind of what we're aiming for in high growth is 10% or above in terms of a benchmark.","start":794.71,"end":799.93,"sentiment":"neutral","sentiment_score":0.1687854570091555},{"text":"The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different percentage returns of each asset that you hold.","start":800.71,"end":812.395,"sentiment":"neutral","sentiment_score":-0.09919772100531393},{"text":"So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return, and the rest of them vary between 4% upwards of 80 or 90%.","start":814.135,"end":824.71,"sentiment":"neutral","sentiment_score":-0.15198787825333104},{"text":"K.","start":826.53,"end":826.77,"sentiment":"neutral","sentiment_score":-0.022786874324083328}],"sentiment":"neutral","sentiment_score":-0.055528278948065446,"num_words":94,"start":794.07,"end":826.77},{"sentences":[{"text":"So that's all your different sectors and asset classes.","start":826.77,"end":830.07,"sentiment":"neutral","sentiment_score":0.006919632407112254},{"text":"So Australian shares, gold, your battery tech and lithium was amazing.","start":830.29,"end":835.01,"sentiment":"positive","sentiment_score":0.3362789015201005},{"text":"That's kind of electric vehicles.","start":835.01,"end":836.87,"sentiment":"neutral","sentiment_score":0.2264534831047058},{"text":"That one had probably the biggest surge in the last twelve months, but your Australian shares are a bit down at the moment as well.","start":837.09,"end":843.985,"sentiment":"neutral","sentiment_score":-0.0917110612988472},{"text":"K.","start":845.325,"end":845.645,"sentiment":"neutral","sentiment_score":-0.03371400386095047}],"sentiment":"neutral","sentiment_score":0.05033571544267675,"num_words":51,"start":826.77,"end":845.645},{"sentences":[{"text":"So what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance your investments, and then just keep your contributions going in to keep buying into those different assets.","start":845.645,"end":859.35004,"sentiment":"neutral","sentiment_score":-0.0023223056975338195},{"text":"K?","start":860.93,"end":861.43,"sentiment":"neutral","sentiment_score":0.008364680223166943},{"text":"Any questions or concerns so far from what you can see and from what I've told you?","start":861.49,"end":865.875,"sentiment":"neutral","sentiment_score":-0.004314413800945177},{"text":"K?","start":868.355,"end":868.755,"sentiment":"neutral","sentiment_score":-0.02277872897684574},{"text":"I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market.","start":868.755,"end":879.735,"sentiment":"neutral","sentiment_score":-0.0580730393063277}],"sentiment":"neutral","sentiment_score":-0.0241844655001142,"num_words":104,"start":845.645,"end":879.735},{"sentences":[{"text":"So it's, yes.","start":879.955,"end":883.12,"sentiment":"neutral","sentiment_score":0.03072778508067131},{"text":"That been a long fund.","start":883.25995,"end":884.63995,"sentiment":"neutral","sentiment_score":0.028666383400559426},{"text":"It's dropping a little bit quicker than the other options in the same space.","start":884.69995,"end":888.24,"sentiment":"neutral","sentiment_score":-0.1114406090761934},{"text":"And if that doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them are all looking pretty good.","start":888.54,"end":897.90497,"sentiment":"neutral","sentiment_score":-0.024018721372792214},{"text":"K?","start":899.485,"end":899.985,"sentiment":"neutral","sentiment_score":-0.03292354568839073}],"sentiment":"neutral","sentiment_score":-0.038396332246650546,"num_words":56,"start":879.955,"end":899.985},{"sentences":[{"text":"There's a couple there that had, like, a slight negative.","start":900.925,"end":903.165,"sentiment":"neutral","sentiment_score":-0.14317314475774764},{"text":"I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year.","start":903.165,"end":912.57996,"sentiment":"neutral","sentiment_score":0.04181913131227096},{"text":"So we call that kind of cyclical.","start":912.57996,"end":914.51996,"sentiment":"neutral","sentiment_score":0.022930138345275606},{"text":"Depends on what's going on in the world economy a little bit more than just following your country up and down.","start":914.89996,"end":921.48,"sentiment":"neutral","sentiment_score":-0.03295814472117594},{"text":"Yes.","start":931.175,"end":931.495,"sentiment":"neutral","sentiment_score":0.059151552617549896}],"sentiment":"neutral","sentiment_score":-0.005316016512612502,"num_words":75,"start":900.925,"end":931.495},{"sentences":[{"text":"Correct.","start":931.495,"end":931.995,"sentiment":"neutral","sentiment_score":0.06107380241155624},{"text":"So yeah.","start":932.055,"end":934.24005,"sentiment":"neutral","sentiment_score":0.013718849048018456},{"text":"So in the the middle, there's a few different columns.","start":934.24005,"end":937.12006,"sentiment":"neutral","sentiment_score":0.026555935479700567},{"text":"You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes.","start":937.12006,"end":945.30005,"sentiment":"neutral","sentiment_score":0.026029341782514866},{"text":"But the two next to it, growth and income, that's your capital growth versus your dividends.","start":945.68005,"end":951.125,"sentiment":"neutral","sentiment_score":0.020754227181896567}],"sentiment":"neutral","sentiment_score":0.024780025028369644,"num_words":55,"start":931.495,"end":951.125},{"sentences":[{"text":"So they kind of combine the two and go, okay.","start":953.265,"end":955.505,"sentiment":"neutral","sentiment_score":0.07261536195874214},{"text":"Total earnings for that investment.","start":955.505,"end":957.125,"sentiment":"neutral","sentiment_score":0.06460835561156272},{"text":"Yes.","start":965.12006,"end":965.36005,"sentiment":"neutral","sentiment_score":0.07688149064779282},{"text":"So the value of the underlying shares or assets, it's the the capital value of them.","start":965.36005,"end":970.48004,"sentiment":"neutral","sentiment_score":0.07838875032030046},{"text":"So if you bought Microsoft and it went up in value, that would be plugged in there as the dollar figure and the percentage.","start":970.48004,"end":977.065,"sentiment":"neutral","sentiment_score":0.08216674501697223}],"sentiment":"neutral","sentiment_score":0.07771962096116372,"num_words":56,"start":953.265,"end":977.065},{"sentences":[{"text":"And then if it paid a dividend, that would be split separately and then merged together at the end for the total return.","start":977.365,"end":983.14496,"sentiment":"neutral","sentiment_score":0.0718790101616279},{"text":"Cool.","start":985.605,"end":986.005,"sentiment":"positive","sentiment_score":0.405583530664444},{"text":"And you should see something pretty similar on your CommSec account.","start":986.005,"end":989.81,"sentiment":"neutral","sentiment_score":0.3189569792964242},{"text":"I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got, like, a reinvestment plan and the the fluctuating unit values as well.","start":989.81,"end":1004.07495,"sentiment":"neutral","sentiment_score":0.2583947053482366},{"text":"K?","start":1005.735,"end":1006.235,"sentiment":"neutral","sentiment_score":0.06656567007303238}],"sentiment":"neutral","sentiment_score":0.21196032324923744,"num_words":79,"start":977.365,"end":1006.235},{"sentences":[{"text":"So, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch.","start":1006.45496,"end":1015.355,"sentiment":"neutral","sentiment_score":0.04975171437537348},{"text":"All in all, though, I kind of like the spread that you've got in your super funds.","start":1015.735,"end":1020.08997,"sentiment":"positive","sentiment_score":0.35173844151637135},{"text":"You've got property, gold, Aussie shares international.","start":1020.08997,"end":1023.79,"sentiment":"neutral","sentiment_score":0.3244817171777998},{"text":"It's I guess the buzzword is diversification, but there's no areas there that I think that you're lacking.","start":1024.09,"end":1030.4299,"sentiment":"neutral","sentiment_score":-0.0351992056498097},{"text":"K?","start":1032.595,"end":1033.095,"sentiment":"neutral","sentiment_score":0.054428648203611374}],"sentiment":"neutral","sentiment_score":0.11890727380523458,"num_words":80,"start":1006.45496,"end":1033.095},{"sentences":[{"text":"Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return?","start":1033.395,"end":1045.875,"sentiment":"neutral","sentiment_score":0.14122492011363913},{"text":"Do you have, like, a bit of a gut feeling between the two?","start":1045.875,"end":1048.3,"sentiment":"neutral","sentiment_score":0.01169907244352194},{"text":"Yeah.","start":1069.015,"end":1069.3351,"sentiment":"neutral","sentiment_score":0.3142547011375427},{"text":"Absolutely.","start":1069.3351,"end":1069.8351,"sentiment":"positive","sentiment_score":0.4343041777610779},{"text":"And we can do we've pretty much got a similar approach with the super.","start":1069.895,"end":1073.515,"sentiment":"positive","sentiment_score":0.38100757556302206}],"sentiment":"neutral","sentiment_score":0.17178535147437027,"num_words":70,"start":1033.395,"end":1073.515},{"sentences":[{"text":"All of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard.","start":1073.8,"end":1078.38,"sentiment":"neutral","sentiment_score":0.29593757457203335},{"text":"The managed fund at the top is the one that's kind of supposed to be outperforming based on the phase that it's charging.","start":1078.76,"end":1084.9401,"sentiment":"neutral","sentiment_score":0.3159664817478346},{"text":"So that's one where I would kind of look at a bit of an index fund replacement, pretty similar to the one that you would already have in your CommSec, the a 200.","start":1085.16,"end":1094.2749,"sentiment":"neutral","sentiment_score":0.13764074151263092},{"text":"K?","start":1096.8949,"end":1097.215,"sentiment":"neutral","sentiment_score":0.0492338091135025},{"text":"Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months?","start":1097.215,"end":1107.97,"sentiment":"neutral","sentiment_score":0.04634641423680872}],"sentiment":"neutral","sentiment_score":0.15345190356310923,"num_words":128,"start":1073.8,"end":1107.97},{"sentences":[{"text":"Yes.","start":1117.405,"end":1117.725,"sentiment":"neutral","sentiment_score":0.017072398215532303},{"text":"That's right.","start":1117.725,"end":1118.545,"sentiment":"neutral","sentiment_score":-0.013774555176496506},{"text":"Yep.","start":1119.085,"end":1119.585,"sentiment":"neutral","sentiment_score":0.014422627165913582},{"text":"Absolutely.","start":1119.725,"end":1120.225,"sentiment":"neutral","sentiment_score":0.07304997742176056},{"text":"No.","start":1123.485,"end":1123.985,"sentiment":"neutral","sentiment_score":-0.2947220802307129}],"sentiment":"neutral","sentiment_score":-0.036287697963416576,"num_words":6,"start":1117.405,"end":1123.985},{"sentences":[{"text":"Yeah.","start":1143.275,"end":1143.775,"sentiment":"neutral","sentiment_score":-0.036133814603090286},{"text":"Yep.","start":1168.665,"end":1168.9851,"sentiment":"neutral","sentiment_score":0.3228195905685425},{"text":"That's pretty reasonable.","start":1168.9851,"end":1170.045,"sentiment":"positive","sentiment_score":0.5330468416213989},{"text":"And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy to do that.","start":1170.1051,"end":1186.64,"sentiment":"neutral","sentiment_score":0.2642015251848433},{"text":"The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I don't usually play with it too much every couple of months.","start":1187.02,"end":1196.635,"sentiment":"neutral","sentiment_score":0.07412451182608493}],"sentiment":"neutral","sentiment_score":0.20902506765909493,"num_words":100,"start":1143.275,"end":1196.635},{"sentences":[{"text":"But if you had three options that run the performing, we would do a full rebalance.","start":1196.775,"end":1200.3151,"sentiment":"neutral","sentiment_score":0.06029387703165412},{"text":"So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update, and I'll pretty much have the research pre prepared for you as well.","start":1202.4551,"end":1212.0099,"sentiment":"neutral","sentiment_score":0.2632542052646963},{"text":"K?","start":1214.23,"end":1214.71,"sentiment":"neutral","sentiment_score":0.03794466331601143},{"text":"Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put a lot of your surplus into, like, an offset account or anything like that?","start":1214.71,"end":1226.245,"sentiment":"neutral","sentiment_score":0.023824560946147693},{"text":"Yeah.","start":1257.135,"end":1257.635,"sentiment":"neutral","sentiment_score":0.06420019268989563}],"sentiment":"neutral","sentiment_score":0.1316041507249333,"num_words":97,"start":1196.775,"end":1257.635},{"sentences":[{"text":"So, Mohan, what what bank you with at the moment?","start":1265.07,"end":1268.13,"sentiment":"neutral","sentiment_score":0.01643775627017021},{"text":"Yeah.","start":1276.925,"end":1277.325,"sentiment":"neutral","sentiment_score":0.031904738396406174},{"text":"Wow.","start":1277.325,"end":1277.645,"sentiment":"neutral","sentiment_score":0.14052152633666992},{"text":"Okay.","start":1277.645,"end":1278.145,"sentiment":"neutral","sentiment_score":0.1512783020734787},{"text":"Yes.","start":1286.06,"end":1286.56,"sentiment":"positive","sentiment_score":0.3721877932548523}],"sentiment":"neutral","sentiment_score":0.06144785162593637,"num_words":14,"start":1265.07,"end":1286.56},{"sentences":[{"text":"Yeah.","start":1316.17,"end":1316.49,"sentiment":"neutral","sentiment_score":0.033198773860931396},{"text":"It's just too accessible, too easy to transfer between accounts and swipe a card, isn't it?","start":1316.49,"end":1321.905,"sentiment":"neutral","sentiment_score":0.019553300691768527},{"text":"You know what?","start":1349.055,"end":1349.535,"sentiment":"neutral","sentiment_score":-0.1689510295788447},{"text":"That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not.","start":1349.535,"end":1358.035,"sentiment":"neutral","sentiment_score":-0.1780479629834493},{"text":"And, really, it's just recognizing the behavioral side of things that if it's there, it's too easy to touch.","start":1358.3099,"end":1363.75,"sentiment":"neutral","sentiment_score":0.014815958706956161}],"sentiment":"neutral","sentiment_score":-0.07566285765041476,"num_words":69,"start":1316.17,"end":1363.75},{"sentences":[{"text":"So some clients even go back to using a regrow facility because it's harder to access.","start":1363.75,"end":1370.09,"sentiment":"neutral","sentiment_score":0.061692329589277506},{"text":"But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction?","start":1370.325,"end":1381.605,"sentiment":"neutral","sentiment_score":0.2598981417475208},{"text":"Do you know what I mean?","start":1381.605,"end":1382.745,"sentiment":"neutral","sentiment_score":0.015622582597037157},{"text":"To be honest, Simone yeah.","start":1390.45,"end":1394.21,"sentiment":"neutral","sentiment_score":0.0612670749425888},{"text":"But that takes so much it takes time.","start":1394.21,"end":1396.13,"sentiment":"neutral","sentiment_score":-0.06643958762288094}],"sentiment":"neutral","sentiment_score":0.13503748237748037,"num_words":66,"start":1363.75,"end":1396.13},{"sentences":[{"text":"It takes practice.","start":1396.13,"end":1397.01,"sentiment":"neutral","sentiment_score":-0.037946304927269615},{"text":"It takes revisiting it regularly.","start":1397.01,"end":1399.535,"sentiment":"neutral","sentiment_score":-0.0004804752767086029},{"text":"And if you find that putting into a savings account works for you, like, absolutely go for it.","start":1399.755,"end":1404.3151,"sentiment":"neutral","sentiment_score":0.2842070046398375},{"text":"It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that people don't offset as much as they think they would have when they start that journey.","start":1404.3151,"end":1416.51,"sentiment":"neutral","sentiment_score":-0.002526603465856508},{"text":"So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well?","start":1419.77,"end":1426.905,"sentiment":"neutral","sentiment_score":0.08943900366624197}],"sentiment":"neutral","sentiment_score":0.07650516114451668,"num_words":99,"start":1396.13,"end":1426.905},{"sentences":[{"text":"Sensational.","start":1435.145,"end":1435.645,"sentiment":"neutral","sentiment_score":0.14487020671367645},{"text":"And that's with UBank?","start":1435.785,"end":1436.765,"sentiment":"neutral","sentiment_score":0.07968069054186344},{"text":"Amazing.","start":1439.3201,"end":1439.8201,"sentiment":"positive","sentiment_score":0.475076287984848},{"text":"Yep.","start":1447.4,"end":1447.9,"sentiment":"neutral","sentiment_score":0.12799155712127686},{"text":"And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay?","start":1458.935,"end":1464.395,"sentiment":"neutral","sentiment_score":0.05433231250693401}],"sentiment":"neutral","sentiment_score":0.07647213916624745,"num_words":31,"start":1435.145,"end":1464.395},{"sentences":[{"text":"Yep.","start":1500.745,"end":1501.245,"sentiment":"neutral","sentiment_score":0.05262419581413269},{"text":"Look.","start":1509.625,"end":1509.865,"sentiment":"positive","sentiment_score":0.4705725908279419},{"text":"That's fantastic.","start":1509.865,"end":1510.6849,"sentiment":"positive","sentiment_score":0.7582935094833374},{"text":"I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days.","start":1510.745,"end":1518.0,"sentiment":"positive","sentiment_score":0.516858274522035},{"text":"There's a lot of people kind of scrimping week to week, so I think that's fantastic.","start":1519.1001,"end":1522.4801,"sentiment":"neutral","sentiment_score":0.29082650784403086}],"sentiment":"positive","sentiment_score":0.4321104243051174,"num_words":43,"start":1500.745,"end":1522.4801},{"sentences":[{"text":"I'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account.","start":1525.1001,"end":1532.255,"sentiment":"neutral","sentiment_score":0.1479642202074711},{"text":"And for the rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well.","start":1532.3151,"end":1539.6951,"sentiment":"neutral","sentiment_score":0.09353184083011001},{"text":"Yeah.","start":1549.8501,"end":1550.17,"sentiment":"neutral","sentiment_score":0.09843991696834564},{"text":"Absolutely.","start":1550.17,"end":1550.67,"sentiment":"neutral","sentiment_score":0.1674879640340805},{"text":"Can I just quickly check with you as well?","start":1551.29,"end":1552.65,"sentiment":"neutral","sentiment_score":0.08703021870719062}],"sentiment":"neutral","sentiment_score":0.11433751422210016,"num_words":69,"start":1525.1001,"end":1552.65},{"sentences":[{"text":"I mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is that down the line potentially?","start":1552.65,"end":1560.695,"sentiment":"neutral","sentiment_score":0.07698022364638746},{"text":"Perfect.","start":1561.635,"end":1562.135,"sentiment":"neutral","sentiment_score":0.1566293239593506},{"text":"Alright.","start":1562.355,"end":1562.855,"sentiment":"neutral","sentiment_score":0.07662844657897949},{"text":"Peachy is a great name.","start":1566.4349,"end":1568.0549,"sentiment":"neutral","sentiment_score":0.07419016510248184},{"text":"I'll put that down.","start":1568.29,"end":1569.33,"sentiment":"neutral","sentiment_score":0.08427875861525536}],"sentiment":"neutral","sentiment_score":0.07940435622078486,"num_words":39,"start":1552.65,"end":1569.33},{"sentences":[{"text":"So we'll go married status, but Peachy is the surname to stay.","start":1569.33,"end":1573.43,"sentiment":"neutral","sentiment_score":0.07358309254050255},{"text":"And I'm just gonna put that in as maiden name as well so no one assumes.","start":1573.73,"end":1577.1901,"sentiment":"neutral","sentiment_score":0.030155291315168142},{"text":"And just to double check, is that to Theodore?","start":1579.01,"end":1581.59,"sentiment":"neutral","sentiment_score":0.016057144695272047},{"text":"Oh, sorry, Simone.","start":1587.275,"end":1587.995,"sentiment":"neutral","sentiment_score":0.00128693754474322},{"text":"Are you still there?","start":1587.995,"end":1588.895,"sentiment":"neutral","sentiment_score":0.00003310944885015488}],"sentiment":"neutral","sentiment_score":0.034408848277631805,"num_words":44,"start":1569.33,"end":1588.895},{"sentences":[{"text":"Oh, I just lost you for a few seconds.","start":1592.0751,"end":1594.395,"sentiment":"neutral","sentiment_score":-0.26584919459289974},{"text":"Can you hear me okay?","start":1594.395,"end":1595.52,"sentiment":"neutral","sentiment_score":-0.11057873219251632},{"text":"Yes.","start":1596.56,"end":1596.96,"sentiment":"neutral","sentiment_score":-0.006040221080183983},{"text":"I'm back.","start":1596.96,"end":1597.6,"sentiment":"neutral","sentiment_score":-0.016906667966395617},{"text":"Sorry.","start":1597.6,"end":1598.0,"sentiment":"neutral","sentiment_score":-0.13333800435066223}],"sentiment":"neutral","sentiment_score":-0.17326266520346204,"num_words":18,"start":1592.0751,"end":1598.0},{"sentences":[{"text":"About seven seconds have cut out there.","start":1598.0,"end":1600.0,"sentiment":"neutral","sentiment_score":-0.17844228659357345},{"text":"I do apologize.","start":1600.0,"end":1600.8201,"sentiment":"neutral","sentiment_score":-0.12015592306852341},{"text":"I was just double checking because Theodore was listed as your next of kin and emergency contact, And I'm assuming that is your partner, not like a friend.","start":1603.36,"end":1613.975,"sentiment":"neutral","sentiment_score":0.0006888103671371937},{"text":"Yes.","start":1618.195,"end":1618.695,"sentiment":"neutral","sentiment_score":0.048342712223529816},{"text":"Yep.","start":1621.09,"end":1621.49,"sentiment":"neutral","sentiment_score":0.20918075740337372}],"sentiment":"neutral","sentiment_score":-0.033318840386345985,"num_words":40,"start":1598.0,"end":1621.49},{"sentences":[{"text":"Perfect.","start":1621.49,"end":1621.99,"sentiment":"positive","sentiment_score":0.5318955183029175},{"text":"Just didn't wanna assume that your next of kin from original wasn't somebody else.","start":1622.9299,"end":1627.6699,"sentiment":"neutral","sentiment_score":0.007961701003036328},{"text":"We've got no changes to your address, email, or phone number.","start":1629.89,"end":1637.515,"sentiment":"neutral","sentiment_score":0.0034489560533653607},{"text":"You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher.","start":1638.2151,"end":1643.435,"sentiment":"neutral","sentiment_score":-0.014009641483426094},{"text":"Did you have much of an income change?","start":1643.5751,"end":1645.895,"sentiment":"neutral","sentiment_score":-0.07947430061176419}],"sentiment":"neutral","sentiment_score":-0.004163768757486118,"num_words":53,"start":1621.49,"end":1645.895},{"sentences":[{"text":"Because there was a potential drop on the cards from your last review.","start":1645.895,"end":1650.35,"sentiment":"neutral","sentiment_score":-0.18887975811958313},{"text":"I'm wondering if that uh-huh.","start":1650.97,"end":1657.86,"sentiment":"neutral","sentiment_score":-0.11214394569396972},{"text":"Okay.","start":1657.86,"end":1658.36,"sentiment":"neutral","sentiment_score":-0.1177934557199478},{"text":"K.","start":1662.185,"end":1662.505,"sentiment":"neutral","sentiment_score":-0.007424937561154365},{"text":"Do you know what your annual income is gonna look like for the financial year when you do your tax return?","start":1662.505,"end":1667.485,"sentiment":"neutral","sentiment_score":0.022422885344851585}],"sentiment":"neutral","sentiment_score":-0.0651340093917963,"num_words":41,"start":1645.895,"end":1667.485},{"sentences":[{"text":"Perfect.","start":1679.64,"end":1679.9601,"sentiment":"positive","sentiment_score":0.449288547039032},{"text":"So that $1.40, I can kind of leave it there for the time being.","start":1679.9601,"end":1683.42,"sentiment":"neutral","sentiment_score":0.21306739428213664},{"text":"Perfect.","start":1686.4551,"end":1686.9551,"sentiment":"positive","sentiment_score":0.4359382688999176},{"text":"And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning?","start":1687.415,"end":1694.555,"sentiment":"neutral","sentiment_score":0.08131776202935725},{"text":"I know that in your state, if it's helpful, besides obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse.","start":1699.59,"end":1709.6699,"sentiment":"neutral","sentiment_score":0.06200171013673147}],"sentiment":"neutral","sentiment_score":0.10679987211449024,"num_words":78,"start":1679.64,"end":1709.6699},{"sentences":[{"text":"They do wills and power of attorneys as well.","start":1709.6699,"end":1711.9299,"sentiment":"neutral","sentiment_score":0.11983045356141196},{"text":"And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well.","start":1713.395,"end":1721.475,"sentiment":"neutral","sentiment_score":0.08613636337220669},{"text":"And there's even will kits from the post office for about $25, which are quite basic, but they're good if it's just a mortgage and some savings.","start":1721.475,"end":1730.33,"sentiment":"neutral","sentiment_score":0.2982859167235869},{"text":"I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to.","start":1732.95,"end":1741.305,"sentiment":"neutral","sentiment_score":0.0896427955191869},{"text":"No.","start":1745.385,"end":1745.7051,"sentiment":"neutral","sentiment_score":-0.11858176440000534}],"sentiment":"neutral","sentiment_score":0.15338333905674517,"num_words":88,"start":1709.6699,"end":1745.7051},{"sentences":[{"text":"It's it's left blank at the moment.","start":1745.7051,"end":1747.7051,"sentiment":"neutral","sentiment_score":-0.17162333961044038},{"text":"I wanted to just quickly check with you what end up.","start":1747.7051,"end":1750.525,"sentiment":"neutral","sentiment_score":-0.15027941492470828},{"text":"That's a common occurrence.","start":1755.48,"end":1756.7599,"sentiment":"neutral","sentiment_score":-0.09150771051645279},{"text":"It's a guy.","start":1756.7599,"end":1757.5599,"sentiment":"neutral","sentiment_score":-0.08188438663880031},{"text":"Yep.","start":1757.5599,"end":1758.0599,"sentiment":"neutral","sentiment_score":-0.03390450403094292}],"sentiment":"neutral","sentiment_score":-0.13461636336377034,"num_words":26,"start":1745.7051,"end":1758.0599},{"sentences":[{"text":"Yeah.","start":1764.2,"end":1764.7,"sentiment":"neutral","sentiment_score":-0.010497214272618294},{"text":"Financial dependent.","start":1771.255,"end":1772.315,"sentiment":"neutral","sentiment_score":-0.004461929202079773},{"text":"Yeah.","start":1772.455,"end":1772.7749,"sentiment":"neutral","sentiment_score":0.0004182737320661545},{"text":"So partner, child, interdependency relationship are the three main ones.","start":1772.7749,"end":1777.355,"sentiment":"neutral","sentiment_score":-0.0037933348678052424},{"text":"Yeah.","start":1780.37,"end":1780.87,"sentiment":"neutral","sentiment_score":0.02283652499318123}],"sentiment":"neutral","sentiment_score":-0.0022733081753055257,"num_words":15,"start":1764.2,"end":1780.87},{"sentences":[{"text":"If you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can even express post out the forms with a return envelope if that's easier.","start":1781.41,"end":1794.985,"sentiment":"neutral","sentiment_score":0.0979329931803725},{"text":"Oh, wow.","start":1808.26,"end":1808.82,"sentiment":"neutral","sentiment_score":-0.05598452314734459},{"text":"Did you get them witnessed as well?","start":1808.82,"end":1810.52,"sentiment":"neutral","sentiment_score":-0.04376404519592013},{"text":"Yep.","start":1817.235,"end":1817.735,"sentiment":"neutral","sentiment_score":-0.15663518011569977},{"text":"Oh, that can be a bit of a pain.","start":1820.755,"end":1822.115,"sentiment":"negative","sentiment_score":-0.5200618671046363}],"sentiment":"neutral","sentiment_score":-0.015023137250589945,"num_words":63,"start":1781.41,"end":1822.115},{"sentences":[{"text":"I know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are.","start":1822.115,"end":1828.9801,"sentiment":"neutral","sentiment_score":-0.05839631266214631},{"text":"But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've updated them.","start":1828.9801,"end":1835.54,"sentiment":"negative","sentiment_score":-0.40066506161999244},{"text":"So I'm like Yep.","start":1835.54,"end":1838.1201,"sentiment":"neutral","sentiment_score":0.04457016382366419},{"text":"I can get that organized.","start":1839.315,"end":1840.695,"sentiment":"neutral","sentiment_score":0.12776382714509965},{"text":"No worries at all.","start":1840.755,"end":1841.815,"sentiment":"neutral","sentiment_score":0.11032405495643616}],"sentiment":"neutral","sentiment_score":-0.17120679458755939,"num_words":61,"start":1822.115,"end":1841.815},{"sentences":[{"text":"Now I'm assuming because you filled them in before.","start":1844.0349,"end":1846.0549,"sentiment":"neutral","sentiment_score":0.035761757236388},{"text":"Yes.","start":1847.5549,"end":1847.875,"sentiment":"neutral","sentiment_score":0.11720077693462372},{"text":"Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with the two witnesses on the same date.","start":1847.875,"end":1858.02,"sentiment":"neutral","sentiment_score":0.14037700667977332},{"text":"Alrighty.","start":1860.1599,"end":1860.64,"sentiment":"neutral","sentiment_score":0.19827988743782043},{"text":"So I'll put that in for a bit of a return there.","start":1860.64,"end":1863.12,"sentiment":"neutral","sentiment_score":0.17409184947609901}],"sentiment":"neutral","sentiment_score":0.13090092214351556,"num_words":53,"start":1844.0349,"end":1863.12},{"sentences":[{"text":"Let me just double check as well while I've got you.","start":1863.12,"end":1865.7799,"sentiment":"neutral","sentiment_score":0.10312984341924841},{"text":"Is your life insurance through MetLife?","start":1865.9199,"end":1869.875,"sentiment":"neutral","sentiment_score":0.03375387378036976},{"text":"We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover.","start":1871.775,"end":1878.255,"sentiment":"neutral","sentiment_score":0.03452273849397898},{"text":"It's your lump sums if you pass away or can never work again.","start":1878.255,"end":1882.26,"sentiment":"neutral","sentiment_score":-0.0860135371152025},{"text":"You've just had an anniversary on the April 2.","start":1882.42,"end":1885.3201,"sentiment":"neutral","sentiment_score":0.006321562609324853}],"sentiment":"neutral","sentiment_score":0.016374989341691893,"num_words":59,"start":1863.12,"end":1885.3201},{"sentences":[{"text":"Did you want Theo listed as the life insurance beneficiary as well?","start":1885.62,"end":1890.74,"sentiment":"neutral","sentiment_score":0.016439707794537146},{"text":"It's for life insurance, it could be pretty much anybody.","start":1890.74,"end":1893.56,"sentiment":"neutral","sentiment_score":-0.016328980587422846},{"text":"K.","start":1904.115,"end":1904.435,"sentiment":"neutral","sentiment_score":0.11078360676765442},{"text":"Cool.","start":1904.435,"end":1904.755,"sentiment":"neutral","sentiment_score":0.26401054859161377},{"text":"I I can do that for both.","start":1904.755,"end":1906.035,"sentiment":"neutral","sentiment_score":0.2709488549402782}],"sentiment":"neutral","sentiment_score":0.07436847830972364,"num_words":31,"start":1885.62,"end":1906.035},{"sentences":[{"text":"That's no worries at all.","start":1906.035,"end":1907.415,"sentiment":"neutral","sentiment_score":0.2982005953788757},{"text":"It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those up perfectly fine.","start":1907.715,"end":1915.98,"sentiment":"neutral","sentiment_score":0.053242337857854774},{"text":"Two quick questions on it.","start":1917.88,"end":1919.5599,"sentiment":"neutral","sentiment_score":0.08704771399497986},{"text":"You do have the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it.","start":1919.5599,"end":1929.5349,"sentiment":"neutral","sentiment_score":0.0662451315780773},{"text":"Yep.","start":1941.45,"end":1941.95,"sentiment":"neutral","sentiment_score":0.3296957015991211}],"sentiment":"neutral","sentiment_score":0.08178783135136238,"num_words":74,"start":1906.035,"end":1941.95},{"sentences":[{"text":"Okay.","start":1943.53,"end":1944.03,"sentiment":"neutral","sentiment_score":0.13325604796409607},{"text":"Positive foreshadowing is good.","start":1944.4099,"end":1946.25,"sentiment":"positive","sentiment_score":0.7311772257089615},{"text":"I have had some interesting conversations over the years, but we can do that.","start":1946.25,"end":1950.125,"sentiment":"neutral","sentiment_score":0.2906913810542652},{"text":"And, look, we'll touch on it every review anyway just in case.","start":1950.125,"end":1953.745,"sentiment":"neutral","sentiment_score":0.19784463321169218},{"text":"Cool.","start":1956.5249,"end":1957.0249,"sentiment":"positive","sentiment_score":0.3471619486808777}],"sentiment":"neutral","sentiment_score":0.3077794322744012,"num_words":32,"start":1943.53,"end":1957.0249},{"sentences":[{"text":"Just quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to double check with you as well.","start":1957.565,"end":1965.11,"sentiment":"neutral","sentiment_score":0.14070485847500655},{"text":"So let's say that situation happens.","start":1965.11,"end":1967.91,"sentiment":"neutral","sentiment_score":0.014488573496540388},{"text":"Your car accident can never work again.","start":1967.91,"end":1970.8099,"sentiment":"neutral","sentiment_score":-0.10882913853440966},{"text":"There's 550,000 comes out plus your 100 and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over.","start":1970.95,"end":1983.345,"sentiment":"neutral","sentiment_score":0.042154563258269},{"text":"Just wanted to double check with you that situation.","start":1983.345,"end":1986.325,"sentiment":"neutral","sentiment_score":0.011072321898407407}],"sentiment":"neutral","sentiment_score":0.05609779552507557,"num_words":76,"start":1957.565,"end":1986.325},{"sentences":[{"text":"Does that sound okay for you guys?","start":1986.385,"end":1988.245,"sentiment":"neutral","sentiment_score":0.023946461134723256},{"text":"Is that too high?","start":1989.505,"end":1990.3049,"sentiment":"neutral","sentiment_score":-0.10955303348600864},{"text":"Is that too low?","start":1990.3049,"end":1991.34,"sentiment":"neutral","sentiment_score":-0.11080482043325901},{"text":"Yep.","start":1996.38,"end":1996.88,"sentiment":"neutral","sentiment_score":0.03447486087679863},{"text":"And just having a look at the price there.","start":1997.02,"end":2000.0,"sentiment":"neutral","sentiment_score":0.01016899881263574}],"sentiment":"neutral","sentiment_score":-0.023512413501739503,"num_words":25,"start":1986.385,"end":2000.0},{"sentences":[{"text":"Yeah.","start":2001.5,"end":2001.82,"sentiment":"neutral","sentiment_score":0.05428542196750641},{"text":"Look.","start":2001.82,"end":2002.22,"sentiment":"neutral","sentiment_score":0.05922619253396988},{"text":"I'm not too concerned about the life and TPD.","start":2002.22,"end":2004.4,"sentiment":"neutral","sentiment_score":0.04406154486868116},{"text":"When you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well.","start":2004.5399,"end":2012.795,"sentiment":"neutral","sentiment_score":0.10587734395060046},{"text":"So it's not really, like, slowing down your growth, if that makes sense.","start":2012.795,"end":2016.095,"sentiment":"neutral","sentiment_score":0.03555290658886616}],"sentiment":"neutral","sentiment_score":0.07627728827438264,"num_words":53,"start":2001.5,"end":2016.095},{"sentences":[{"text":"You do have the last one I wanted to touch on was your income protection.","start":2018.235,"end":2022.15,"sentiment":"neutral","sentiment_score":0.04771336726844311},{"text":"You've got a ninety day waiting period.","start":2022.93,"end":2025.97,"sentiment":"neutral","sentiment_score":0.024649456941655705},{"text":"So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness or injury lasts that long.","start":2025.97,"end":2035.35,"sentiment":"neutral","sentiment_score":-0.026879494849708863},{"text":"You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that event.","start":2035.965,"end":2043.885,"sentiment":"neutral","sentiment_score":0.045830411077649506},{"text":"Is that Yep.","start":2043.885,"end":2052.08,"sentiment":"neutral","sentiment_score":0.18173580865065256}],"sentiment":"neutral","sentiment_score":0.021556326160429136,"num_words":84,"start":2018.235,"end":2052.08},{"sentences":[{"text":"Perfect.","start":2053.98,"end":2054.48,"sentiment":"positive","sentiment_score":0.5189023017883301},{"text":"Now your cover amount is $7,555 per month, and you do have indexation on that.","start":2054.78,"end":2062.315,"sentiment":"neutral","sentiment_score":0.22691226601600648},{"text":"So it does increase with inflation.","start":2062.315,"end":2063.9348,"sentiment":"neutral","sentiment_score":0.19994807243347168},{"text":"Assuming I'm just gonna quickly work back the figures here.","start":2065.035,"end":2068.015,"sentiment":"neutral","sentiment_score":0.06645729430019856},{"text":"So that's protecting an income of 130,000, technically speaking.","start":2068.6348,"end":2073.95,"sentiment":"neutral","sentiment_score":0.1479701441195276}],"sentiment":"neutral","sentiment_score":0.17362387723675587,"num_words":41,"start":2053.98,"end":2073.95},{"sentences":[{"text":"I think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about.","start":2074.73,"end":2080.91,"sentiment":"neutral","sentiment_score":0.15927681068961436},{"text":"Just double checking that still covers the expenses for you guys.","start":2080.97,"end":2084.43,"sentiment":"neutral","sentiment_score":0.167507988485423},{"text":"Cool.","start":2086.7449,"end":2087.2249,"sentiment":"positive","sentiment_score":0.33722615242004395},{"text":"Because technically, you can go for more based on the higher income.","start":2087.2249,"end":2090.345,"sentiment":"neutral","sentiment_score":0.14228254246215025},{"text":"But, again, if that contract is temporary, I don't wanna kind of increase your insurance and then all of a sudden have to decrease it again, and then you pay more than what you can claim on.","start":2090.345,"end":2099.64,"sentiment":"neutral","sentiment_score":-0.07217303895064302}],"sentiment":"neutral","sentiment_score":0.06158619738001933,"num_words":87,"start":2074.73,"end":2099.64},{"sentences":[{"text":"Perfect.","start":2101.5598,"end":2102.0598,"sentiment":"positive","sentiment_score":0.46950003504753113},{"text":"Alrighty.","start":2102.68,"end":2103.18,"sentiment":"positive","sentiment_score":0.3646157383918762},{"text":"Simone, we have gone through quite a few different areas tonight.","start":2103.7998,"end":2107.0999,"sentiment":"neutral","sentiment_score":0.24213738197630102},{"text":"Do you have any questions for me so far?","start":2107.3198,"end":2109.3398,"sentiment":"neutral","sentiment_score":0.14623808198504978},{"text":"Okay.","start":2111.48,"end":2111.7998,"sentiment":"neutral","sentiment_score":0.06090036407113075}],"sentiment":"neutral","sentiment_score":0.2119421772658825,"num_words":23,"start":2101.5598,"end":2111.7998},{"sentences":[{"text":"So the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares.","start":2111.7998,"end":2126.41,"sentiment":"neutral","sentiment_score":0.17290453364451727},{"text":"We'll kind of leave the insurance alone for the time being, and then just update your estate planning, get your beneficiaries up to date as well.","start":2126.63,"end":2135.2898,"sentiment":"neutral","sentiment_score":0.20091067713040572},{"text":"Cool.","start":2137.045,"end":2137.365,"sentiment":"positive","sentiment_score":0.3794955015182495},{"text":"When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go.","start":2137.365,"end":2142.725,"sentiment":"positive","sentiment_score":0.38427685839789255},{"text":"And then at the next review, we'll kind of touch base on it.","start":2142.725,"end":2145.925,"sentiment":"neutral","sentiment_score":0.16594401804300454}],"sentiment":"neutral","sentiment_score":0.22137318332807734,"num_words":109,"start":2111.7998,"end":2145.925},{"sentences":[{"text":"And if we need to start using a platform, we can go through, like, that personal risk profile with you and build you a bit of a portfolio there as well.","start":2145.925,"end":2154.1199,"sentiment":"neutral","sentiment_score":0.14292315609993472},{"text":"Okay.","start":2156.18,"end":2156.68,"sentiment":"neutral","sentiment_score":0.035831306129693985},{"text":"Oh, sorry.","start":2164.7551,"end":2165.155,"sentiment":"neutral","sentiment_score":-0.02551069762557745},{"text":"Could you repeat that for me?","start":2165.155,"end":2166.5352,"sentiment":"neutral","sentiment_score":-0.01859729317948222},{"text":"Yep.","start":2170.595,"end":2171.095,"sentiment":"neutral","sentiment_score":0.0011525582522153854}],"sentiment":"neutral","sentiment_score":0.10499991583297165,"num_words":41,"start":2145.925,"end":2171.095},{"sentences":[{"text":"Yes.","start":2173.73,"end":2174.05,"sentiment":"neutral","sentiment_score":0.03337383642792702},{"text":"That's right.","start":2174.05,"end":2174.6099,"sentiment":"neutral","sentiment_score":0.04955143295228481},{"text":"I think the last figure I had when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment?","start":2174.6099,"end":2180.15,"sentiment":"neutral","sentiment_score":-0.000940463523595379},{"text":"Yep.","start":2182.05,"end":2182.55,"sentiment":"neutral","sentiment_score":0.01809758134186268},{"text":"So look.","start":2186.3052,"end":2186.5452,"sentiment":"positive","sentiment_score":0.3353832811117172}],"sentiment":"neutral","sentiment_score":0.02490277482138481,"num_words":32,"start":2173.73,"end":2186.5452},{"sentences":[{"text":"All in all, mortgage is going down.","start":2186.5452,"end":2188.705,"sentiment":"neutral","sentiment_score":-0.0030900495392935617},{"text":"You've still got some savings, and you're building up some investments.","start":2188.705,"end":2191.2651,"sentiment":"neutral","sentiment_score":0.1387923021208156},{"text":"And you know how we were talking about the offset account idea before?","start":2191.2651,"end":2194.8052,"sentiment":"neutral","sentiment_score":0.029180677894216318},{"text":"If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of building up that wealth and equity much quicker in the background that at some point, you could possibly even just pay off the mortgage with it as well.","start":2196.145,"end":2211.13,"sentiment":"neutral","sentiment_score":0.1165516831565137},{"text":"You don't have to go down that that other route of offset accounts.","start":2211.19,"end":2214.955,"sentiment":"neutral","sentiment_score":0.0019530562701849986}],"sentiment":"neutral","sentiment_score":0.08267325643866666,"num_words":95,"start":2186.5452,"end":2214.955},{"sentences":[{"text":"Investing does the same thing too.","start":2215.2551,"end":2217.0352,"sentiment":"neutral","sentiment_score":0.08752474933862686},{"text":"So if I have a look, I'm gonna do a quick progress update with you.","start":2235.1099,"end":2240.245,"sentiment":"neutral","sentiment_score":0.058066650107502935},{"text":"So we've got okay.","start":2240.245,"end":2244.085,"sentiment":"neutral","sentiment_score":0.17447840422391891},{"text":"So you've got a pretty good balance for your age.","start":2244.085,"end":2247.5251,"sentiment":"positive","sentiment_score":0.3687696933746338},{"text":"It's pretty well straight in that kind of above average mark.","start":2247.5251,"end":2251.625,"sentiment":"positive","sentiment_score":0.38225370374592865}],"sentiment":"neutral","sentiment_score":0.21709890303242466,"num_words":46,"start":2215.2551,"end":2251.625},{"sentences":[{"text":"You're in high growth.","start":2251.93,"end":2253.37,"sentiment":"neutral","sentiment_score":0.2772837392985821},{"text":"You're getting good contributions on a high income.","start":2253.37,"end":2256.19,"sentiment":"positive","sentiment_score":0.4609653875231743},{"text":"You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark.","start":2256.81,"end":2269.775,"sentiment":"neutral","sentiment_score":0.23955936806324202},{"text":"Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax free as well.","start":2270.875,"end":2280.8801,"sentiment":"neutral","sentiment_score":0.04608868727357023},{"text":"So I think you can pretty much get to most common retirement goals as is without having to do the salary sacrifice.","start":2280.9402,"end":2287.9202,"sentiment":"neutral","sentiment_score":0.13404778196391734}],"sentiment":"neutral","sentiment_score":0.17199924180643,"num_words":109,"start":2251.93,"end":2287.9202},{"sentences":[{"text":"The question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example, put a 100 in.","start":2289.58,"end":2298.635,"sentiment":"neutral","sentiment_score":0.032066783724496},{"text":"Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super.","start":2298.635,"end":2303.615,"sentiment":"neutral","sentiment_score":0.029472785168572477},{"text":"That's obviously gonna speed things up a little bit.","start":2304.16,"end":2306.82,"sentiment":"neutral","sentiment_score":0.20178884598943922},{"text":"And then the flip side to that is the family building.","start":2307.28,"end":2311.3,"sentiment":"neutral","sentiment_score":0.09439644759351556},{"text":"So do you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your your family planning look like?","start":2311.76,"end":2323.555,"sentiment":"neutral","sentiment_score":0.021008220734074712}],"sentiment":"neutral","sentiment_score":0.05200440874223106,"num_words":93,"start":2289.58,"end":2323.555},{"sentences":[{"text":"Yep.","start":2328.175,"end":2328.415,"sentiment":"neutral","sentiment_score":0.02409113012254238},{"text":"And would you probably take off the the full twelve months, do you think?","start":2328.415,"end":2331.63,"sentiment":"neutral","sentiment_score":-0.1345184716795172},{"text":"Yeah.","start":2346.445,"end":2346.7651,"sentiment":"neutral","sentiment_score":0.042273737490177155},{"text":"Gotcha.","start":2346.7651,"end":2347.165,"sentiment":"neutral","sentiment_score":0.03177512809634209},{"text":"Gotcha.","start":2347.165,"end":2347.645,"sentiment":"neutral","sentiment_score":0.03276462480425835}],"sentiment":"neutral","sentiment_score":-0.09735299905555116,"num_words":18,"start":2328.175,"end":2347.645},{"sentences":[{"text":"So between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well.","start":2347.645,"end":2356.29,"sentiment":"neutral","sentiment_score":0.05571680629832877},{"text":"Yep.","start":2357.57,"end":2358.07,"sentiment":"neutral","sentiment_score":0.1078965663909912},{"text":"So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if you're about to kind of slow down, stop work, and then go part time for a period.","start":2358.29,"end":2369.75,"sentiment":"neutral","sentiment_score":-0.04209188042351833},{"text":"It'll probably be something to do after that.","start":2369.81,"end":2371.875,"sentiment":"neutral","sentiment_score":-0.07254606438800693},{"text":"I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely not gonna recommend it for this year.","start":2374.115,"end":2383.255,"sentiment":"neutral","sentiment_score":-0.07529252626605935}],"sentiment":"neutral","sentiment_score":-0.037834720812665604,"num_words":103,"start":2347.645,"end":2383.255},{"sentences":[{"text":"So let's say you've got your contributions coming in from work, call it about $1,314,000 after tax.","start":2384.69,"end":2393.43,"sentiment":"neutral","sentiment_score":-0.0034416701973361127},{"text":"Your current balance is 146,000.","start":2394.6099,"end":2397.51,"sentiment":"neutral","sentiment_score":-0.001671981811523437},{"text":"And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for?","start":2397.9248,"end":2402.345,"sentiment":"neutral","sentiment_score":-0.041633312639437224},{"text":"So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where even in twenty years' time, you could be sitting there with 1 and a half million.","start":2404.1648,"end":2418.18,"sentiment":"neutral","sentiment_score":-0.20414951166441275},{"text":"Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement.","start":2421.1199,"end":2434.995,"sentiment":"neutral","sentiment_score":0.055950375377304025}],"sentiment":"neutral","sentiment_score":-0.06351763942123702,"num_words":120,"start":2384.69,"end":2434.995},{"sentences":[{"text":"So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you probably won't have to do it until that point, and then you probably don't have to do it for more than a couple of years.","start":2437.5352,"end":2457.7349,"sentiment":"neutral","sentiment_score":0.24440853906845725},{"text":"K?","start":2459.555,"end":2460.035,"sentiment":"neutral","sentiment_score":0.1545521318912506},{"text":"So there's no there's no rush.","start":2460.035,"end":2461.2349,"sentiment":"neutral","sentiment_score":0.04301978896061579},{"text":"I don't see you heavily behind that you need to play catch up or anything.","start":2461.2349,"end":2464.535,"sentiment":"neutral","sentiment_score":-0.1147014709810416},{"text":"And, obviously, people talk about tax benefits and and that kind of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super.","start":2465.6,"end":2476.18,"sentiment":"neutral","sentiment_score":0.16301620926927118}],"sentiment":"neutral","sentiment_score":0.17169947543969521,"num_words":130,"start":2437.5352,"end":2476.18},{"sentences":[{"text":"You know, what's the priority?","start":2476.32,"end":2477.78,"sentiment":"neutral","sentiment_score":0.1349555879831314},{"text":"Does that make sense?","start":2479.745,"end":2480.8052,"sentiment":"neutral","sentiment_score":0.2189379259943962},{"text":"Yep.","start":2481.905,"end":2482.405,"sentiment":"positive","sentiment_score":0.3775701522827149},{"text":"Cool.","start":2482.705,"end":2483.205,"sentiment":"positive","sentiment_score":0.48351800441741943},{"text":"I'll put a few notes on the file.","start":2483.905,"end":2485.2651,"sentiment":"neutral","sentiment_score":0.243026340380311}],"sentiment":"neutral","sentiment_score":0.22925413282294022,"num_words":19,"start":2476.32,"end":2485.2651},{"sentences":[{"text":"Obviously, we'll come back to that over the next few years as well, but I hope that kinda helps a little bit.","start":2485.2651,"end":2489.685,"sentiment":"neutral","sentiment_score":0.26806971295313403},{"text":"The full savings aspect.","start":2496.96,"end":2498.5,"sentiment":"positive","sentiment_score":0.3634498044848442},{"text":"Yeah.","start":2501.84,"end":2502.34,"sentiment":"neutral","sentiment_score":0.08106864988803864},{"text":"Yeah.","start":2514.9202,"end":2515.4202,"sentiment":"neutral","sentiment_score":0.2353719174861908},{"text":"I get you.","start":2515.4802,"end":2516.4602,"sentiment":"positive","sentiment_score":0.5005991756916046}],"sentiment":"neutral","sentiment_score":0.29579261281797964,"num_words":31,"start":2485.2651,"end":2516.4602},{"sentences":[{"text":"Yeah.","start":2520.52,"end":2520.84,"sentiment":"neutral","sentiment_score":0.10339882969856262},{"text":"There's that too.","start":2520.84,"end":2521.7202,"sentiment":"neutral","sentiment_score":0.038765029360850654},{"text":"And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the different states pretty regularly?","start":2521.7202,"end":2532.6348,"sentiment":"neutral","sentiment_score":0.030970626510679722},{"text":"And did they change the superannuation contribution scheme at that point as well?","start":2540.055,"end":2547.19,"sentiment":"neutral","sentiment_score":0.04205855197058274},{"text":"Because I know a lot of people were doing the matching program.","start":2547.19,"end":2550.23,"sentiment":"neutral","sentiment_score":0.03395141179983815}],"sentiment":"neutral","sentiment_score":0.035643912378256606,"num_words":59,"start":2520.52,"end":2550.23},{"sentences":[{"text":"You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway.","start":2550.23,"end":2558.585,"sentiment":"neutral","sentiment_score":0.02651969478888945},{"text":"Do you know if they did that with yours?","start":2558.805,"end":2560.4248,"sentiment":"neutral","sentiment_score":-0.06475377993451224},{"text":"When I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time.","start":2580.595,"end":2588.935,"sentiment":"neutral","sentiment_score":0.05364919469381372},{"text":"And it worked out to be about a 145,000 for your your yearly income, which is pretty close to what you were telling me before.","start":2589.155,"end":2597.89,"sentiment":"neutral","sentiment_score":0.15307848185300826},{"text":"So if I go a 140,000, and let's say it is 12.5%, Yeah.","start":2599.47,"end":2607.165,"sentiment":"neutral","sentiment_score":0.12784827443269584}],"sentiment":"neutral","sentiment_score":0.06797054033869734,"num_words":104,"start":2550.23,"end":2607.165},{"sentences":[{"text":"It pretty well works out to be the same amount.","start":2607.165,"end":2609.0051,"sentiment":"positive","sentiment_score":0.4136845886707306},{"text":"So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly touch base with your payroll to see if there's any matching programs or anything like that or what your percentage is.","start":2609.0051,"end":2624.1501,"sentiment":"neutral","sentiment_score":0.08356443179978265},{"text":"If they come back and say that you can do the matching program, I can help you figure out the the best way to do that because they the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice.","start":2624.37,"end":2637.975,"sentiment":"neutral","sentiment_score":0.05446142606113268},{"text":"So if they say that's available, can you let us know straight away?","start":2638.5151,"end":2642.215,"sentiment":"neutral","sentiment_score":0.07453866045062359},{"text":"If not, I wouldn't worry about it until after maternity leave.","start":2642.5151,"end":2646.7751,"sentiment":"neutral","sentiment_score":0.07697868753563274}],"sentiment":"neutral","sentiment_score":0.09774591252207757,"num_words":125,"start":2607.165,"end":2646.7751},{"sentences":[{"text":"Cool.","start":2649.26,"end":2649.76,"sentiment":"neutral","sentiment_score":0.07296455651521683},{"text":"I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well.","start":2651.02,"end":2657.92,"sentiment":"neutral","sentiment_score":0.12383272967956684},{"text":"Cool.","start":2659.755,"end":2660.255,"sentiment":"neutral","sentiment_score":0.279768705368042},{"text":"Alright.","start":2661.275,"end":2661.775,"sentiment":"neutral","sentiment_score":0.1732964962720871},{"text":"Any other things I can help with before I let you go?","start":2661.835,"end":2664.255,"sentiment":"neutral","sentiment_score":0.0952003753433625}],"sentiment":"neutral","sentiment_score":0.11933138008628573,"num_words":42,"start":2649.26,"end":2664.255},{"sentences":[{"text":"I made it.","start":2665.6748,"end":2668.4749,"sentiment":"neutral","sentiment_score":-0.002142080416282018},{"text":"Yep.","start":2668.4749,"end":2668.9749,"sentiment":"neutral","sentiment_score":0.06329174339771271},{"text":"Go for it.","start":2669.275,"end":2670.1748,"sentiment":"neutral","sentiment_score":0.08444859832525253},{"text":"So that is a fantastic question that has three slightly small answers to it.","start":2678.4102,"end":2684.775,"sentiment":"neutral","sentiment_score":0.3021829495472567},{"text":"Is we do individual advice to start with.","start":2685.255,"end":2688.855,"sentiment":"neutral","sentiment_score":0.07477802131325006}],"sentiment":"neutral","sentiment_score":0.1772067848721455,"num_words":29,"start":2665.6748,"end":2688.855},{"sentences":[{"text":"So because you already have an ongoing plan, we would do the same starting foundation plan for your partner.","start":2688.855,"end":2696.075,"sentiment":"neutral","sentiment_score":0.09716819383596119},{"text":"After that point, we can do joint reviews with you guys and joint advice together because we need to factor in, you know, joint retirement goals and things like that, but we just wanna make sure he has that foundational piece to start with.","start":2697.35,"end":2710.125,"sentiment":"neutral","sentiment_score":0.12249579619277608},{"text":"From that point, a couple of things to consider is there is, like, a partner fee discount as well.","start":2712.125,"end":2717.725,"sentiment":"neutral","sentiment_score":0.0864071398973465},{"text":"So I was just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year.","start":2717.725,"end":2725.96,"sentiment":"neutral","sentiment_score":0.06780784949660301},{"text":"The partner fee discount is 1.1, so it chops about a third off per person.","start":2725.96,"end":2732.52,"sentiment":"neutral","sentiment_score":0.10976935823758444}],"sentiment":"neutral","sentiment_score":0.10069889404500525,"num_words":120,"start":2688.855,"end":2732.52},{"sentences":[{"text":"Correct.","start":2732.52,"end":2733.02,"sentiment":"neutral","sentiment_score":0.19464749097824097},{"text":"K?","start":2734.3599,"end":2734.8599,"sentiment":"neutral","sentiment_score":0.08825372904539108},{"text":"From that point, Hub twenty four also offers family linking.","start":2735.7651,"end":2739.625,"sentiment":"neutral","sentiment_score":0.12508889138698578},{"text":"So if we do recommend a similar super fund to your partner, you can actually link your accounts together for cheaper admin fees.","start":2740.0051,"end":2748.185,"sentiment":"neutral","sentiment_score":0.14975340470023776},{"text":"And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts.","start":2748.6,"end":2755.32,"sentiment":"neutral","sentiment_score":0.1365039193111917}],"sentiment":"neutral","sentiment_score":0.13996049286476497,"num_words":58,"start":2732.52,"end":2755.32},{"sentences":[{"text":"So there's a lot of a lot of linking for discounts that can be done as well.","start":2755.32,"end":2759.9001,"sentiment":"neutral","sentiment_score":0.13569496922633228},{"text":"K?","start":2761.735,"end":2762.235,"sentiment":"neutral","sentiment_score":0.2178208529949188},{"text":"I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year.","start":2764.055,"end":2769.915,"sentiment":"neutral","sentiment_score":0.27177993140437384},{"text":"If we do bring your partner on board, we will send you an amended agreement after he signs up as well.","start":2770.215,"end":2775.81,"sentiment":"neutral","sentiment_score":0.14113894459747134},{"text":"K?","start":2777.33,"end":2777.81,"sentiment":"neutral","sentiment_score":0.025399083271622654}],"sentiment":"neutral","sentiment_score":0.18537275387995666,"num_words":62,"start":2755.32,"end":2777.81},{"sentences":[{"text":"Do you want me to take down any yeah.","start":2777.81,"end":2782.9302,"sentiment":"neutral","sentiment_score":-0.03173932971225844},{"text":"And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just call into reception, talk to the girls.","start":2782.9302,"end":2789.81,"sentiment":"neutral","sentiment_score":0.06045033644746851},{"text":"I'll get him booked in with myself or one of the other advisers, and we'll just go through the usual complimentary consultation, bit of research, and see if we can help him.","start":2789.81,"end":2800.125,"sentiment":"neutral","sentiment_score":0.1330405961489305},{"text":"Cool.","start":2802.4248,"end":2802.905,"sentiment":"positive","sentiment_score":0.46578025817871094},{"text":"Alrighty.","start":2802.905,"end":2803.405,"sentiment":"neutral","sentiment_score":0.3158799409866333}],"sentiment":"neutral","sentiment_score":0.09122091989432063,"num_words":70,"start":2777.81,"end":2803.405},{"sentences":[{"text":"Any other questions at the moment before I let you go?","start":2803.545,"end":2805.45,"sentiment":"neutral","sentiment_score":0.0714710033075376},{"text":"Amazing.","start":2807.8499,"end":2808.3298,"sentiment":"positive","sentiment_score":0.6427326202392578},{"text":"No.","start":2808.3298,"end":2808.49,"sentiment":"neutral","sentiment_score":0.21999484300613403},{"text":"Thank you for taking the time.","start":2808.49,"end":2809.69,"sentiment":"positive","sentiment_score":0.640482892592748},{"text":"I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment.","start":2809.69,"end":2816.51,"sentiment":"positive","sentiment_score":0.5499762545029322}],"sentiment":"positive","sentiment_score":0.44219923319052096,"num_words":46,"start":2803.545,"end":2816.51},{"sentences":[{"text":"But thank you for spending the time with me tonight.","start":2816.57,"end":2819.211,"sentiment":"positive","sentiment_score":0.7274973779916764},{"text":"You too.","start":2821.451,"end":2821.8508,"sentiment":"positive","sentiment_score":0.4581754058599472},{"text":"I'll talk to you soon.","start":2821.8508,"end":2822.911,"sentiment":"positive","sentiment_score":0.39399367570877075},{"text":"Bye.","start":2824.171,"end":2824.671,"sentiment":"neutral","sentiment_score":-0.11032386124134064}],"sentiment":"positive","sentiment_score":0.5583871727188429,"num_words":18,"start":2816.57,"end":2824.671}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yeah. Sure. Yeah. Of course. Yep. 11/03/1991. And 361 Corby Avenue. Mhmm. Yeah. I can open hear Sure. No. Not in particular. I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past. So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm interested in getting a bit more information about. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yep. Yeah. Ideally, if possible. I guess we're we're trying to trying to think about trying to start a family at the moment. So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan. Mhmm. Yep. I think we're at about $4.20 now, roughly. Mhmm. We haven't had it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7.50 now. Mhmm. Okay. I think I'm at about 13 or 14 k at the moment. Yes. I'm doing two hun like, around 200 a fortnight. Yeah. Good. Like, I'm not missing the money. I just become part of the routine now. Yeah. Hopefully not. Mhmm. Yeah. That's the same. Mhmm. I just kind of went for very broad ones, to be honest. Like, with Comsec, they've got kind of categories that you can invest in. So I've got, like, a tech one, and then I've got a, like, global global top 200 or whatever, and then the ASX 200. Yeah. I just kinda wanted to keep it very basic starting out. Yeah. I believe so. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Mhmm. Yep. Mhmm. Yep. Okay. Mhmm. Yeah. Okay. Yeah. Sure. Mhmm. Mhmm. Yep. Mhmm. Yeah. Mhmm. Yep. Yeah. I guess that's something that potentially we will look into if if the family happens. Yeah. I I mean, I I very much feel like I'm just kinda dabbling at the moment. So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do. So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing? Mhmm. Yeah. Mhmm. Mhmm. Yeah. Yeah. I guess that's why I kind of only was doing the 200 because yeah. I'm I'm kind of using that as, like, set and forget at the moment. Yeah. Yes. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Sure. Mhmm. Yep. Yesterday, I think. Yesterday or the day before. But I hadn't for a while before that. Mhmm. Yep. Mhmm. Yeah. Mhmm. Yeah. Mhmm. Yeah. Yeah. I think I'm like yeah. I feel like that's to be expected at the moment. Yeah. Mhmm. Yep. Mhmm. Yeah. Yep. Mhmm. Yep. Mhmm. Oh, yeah. Sorry. The attachment. I have '24 performance report. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Mhmm. Okay. No. It's okay. That's that manage phone at the top. Is it? Yep. Yep. Mhmm. Yep. Yeah. Mhmm. So, sorry. The incoming period, is that, like, is that, like, dividends from those shares or what? I'm just trying to understand the things at the top. Yeah. Yep. Okay. And growth is essentially just the is that with the start of the period to the end of the period with the market value? Yep. Mhmm. Yeah. Sure. Right. Yep. Yep. Yep. Yep. I think at the moment, I've just lent more towards the low fees just because yeah. I feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with. Mhmm. Yep. Yep. Mhmm. Yeah. Yeah. Okay. Sorry. Whether to switch it out now or leave it to receive the changes. Sorry. Is that what you're asking me? Sorry. I've spent I'm in kindergarten teacher. I it's been a long day. Yeah. Okay. I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest. I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon. So I'm I'm not super concerned if things are not, you know, doing super well. Like, some of it's not doing super well at the moment. If it's something to wait out or if it's just like yeah. I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch. But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Sure. Sure. Right. Yep. Yeah. We've got an offset at the moment. Yeah. Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there. But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending. I I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages. And then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well. I've got a couple of different ones. So I've got an ING, a UBank, and a com ComBank as well. So I've been kind of using my UBank for I like with UBank. They've got, like, a little savings target, so I feel like the interest is really good with UBank. So I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple. And, yeah, I I don't know. I guess I like with UBank. I've got kind of my buckets in there, and I know not to touch it. Whereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that. So I feel like the money isn't necessarily not being spent. I feel like our offset is not as sacred as it should be. Yeah. Yeah. So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across. But I've found that, like, when we run out of money, then we just transfer more across from the offset. So it's yeah. I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent. Yeah. Yeah. Yeah. Yeah. Yeah. I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment. You know, I've got on my list of things to be more financially literate. Yeah. Yeah. Yeah. Yeah. Sure. So I've got, like, around 12 k in just, like, an emergency fund. That's with UBank. And then, yeah, the interest rate's pretty good on that. So you kinda get probably about $50 a month of interest on top of that as long as you put enough into the account. And then I start sorry. One sec. Not at the moment. So I that's something that I kinda want to sort out. I was, and then we had our wedding, and everything went to shift. And then yeah. So I'm getting back on track after that. But yeah. With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat. But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there. So I do wanna get better at kind of allocating that amount. But, yeah, I've gotta get back on track with that. Yeah. Yeah. Yep. Yeah. Sure. I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left over. No. Name's still the Maybe. Maybe. But Peachy is a good name. I don't it's hard to hard to let go of. Yep. Mhmm. Thank you. Oh, are you there? Sorry. Okay. Yep. Hero? Yeah. Yeah. So he's my husband. Yeah. Mhmm. Mhmm. Yep. Yeah. No. I'm still working in higher duties at the moment, but it's like a year to year contract. So I don't know what the situation will be next year. So it'll be at that higher duty the whole yeah. Yeah. It's been for the last couple of years, so it should be the same. Yeah. Around that mark. We haven't. It's not another thing on the list. Mhmm. Okay. Okay. Yeah. Yeah. Sure. Is it down for the area at the moment? Yeah. I think that's my bad. Advice. I've received the papers a couple of times and not it's so bad. Yeah. It it will be there. I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway. Yeah. I mean, it it can only be your partner. Right? Or any line dependent? Yeah. But yeah. No. So just there. Yep. To be honest, I think I still got the old one. Does it need to be oh, yeah. No. I've I've signed them in 2024. Just do not post with them back. Yeah. Maybe no. I haven't got a witness. I don't I think that was I think that was my roadblock, actually. I kept forgetting to take them out with me. Yeah. If you can email it to me, I can I can do that? And then I can just email it back? Yeah. Sure. Yes. Yeah. Yeah. Yeah. I mean, it's yeah. They're they're cleared with the Medicare. Mhmm. Yes. Mhmm. Yep. Yeah. No. I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married. Positive positive foreshadowing. Mhmm. Yep. Mhmm. I think that's Okay. At the moment. Yeah. Yep. Yeah. Mhmm. Yeah. I put a good bank and sick leave as well because, like yeah. We've I work for the Department of Education, so it doesn't really matter if I move schools and things. It's still the same employer. Mhmm. Okay. Mhmm. Yeah. I think that should be okay. Yep. Yes. Mhmm. Not at all good. Mhmm. Yep. Yep. Right. Mhmm. Yeah. Okay. Perfect. Sorry. Sorry. I was right at the beginning of the call. Did you say it was about 5 k at like, last time we did our review for these shares? When we were discussing the shares before, from what I had last year, was it around 5 k? Okay. Yeah. Okay. Good. Great. Mhmm. Okay. Yeah. Yeah. Yep. And then I guess sorry. I said I had no questions. The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on? Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Yes. Yeah. Mhmm. Yeah. Yeah. Hopefully. Yeah. Ideally, we're hoping that within the next twelve months, probably on maternity leave. Yeah. But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after. Yep. Mhmm. Yeah. Okay. Cool. Mhmm. Yeah. Mhmm. Yeah. Yeah. Mhmm. Yeah. Mhmm. Yeah. Okay. Cool. Yeah. Mhmm. Mhmm. Yep. Yep. Yeah. Yeah. Cool. Yeah. I guess my my mindset is kind of, like I think I'm very much, like, live to my me. So it's like, if I can it's if I can afford to do it, I would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything. So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100. That's like yeah. But that's something I can work on with my budgeting too. But that's yeah. We had a we had a pay rise probably a couple of years ago. So I think we've had our we had quite a significant pay ride, so I think we'll be pretty steady for a while. I'm not sure, to be honest. Even, like, I've I because I wasn't even sure how much was being contributed to Super. I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were contributing. Yeah. Yeah. Yeah. Yep. Mhmm. Mhmm. Yep. Yep. Sure. Yep. Sure. Mhmm. No. That's it. Thank you. Oh, actually, sorry. I do have a question. If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients? Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Yeah. Sure. Mhmm. Yeah. That's awesome. Yes. Okay. Sure. Great. Thank you. Mhmm. Sure. Yeah. No. I I we haven't really discussed it, but I just thought potentially would be good. Yeah. Yeah. Yeah. Sure. That's that's it. Thank you so much for your time. Thank you. Have a nice night. See you. Bye.","confidence":0.99121094,"words":[{"word":"hello","start":2.24,"end":2.74,"confidence":0.96972656,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.04131811484694481},{"word":"good","start":7.9199996,"end":8.32,"confidence":0.7348633,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5581541061401367},{"word":"thanks","start":8.32,"end":8.559999,"confidence":0.9995117,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6040307283401489},{"word":"how","start":8.559999,"end":8.72,"confidence":1.0,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.35147523880004883},{"word":"are","start":8.72,"end":8.88,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2833888828754425},{"word":"you","start":8.88,"end":9.38,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.4282211363315582},{"word":"yeah","start":14.345,"end":14.665,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2197070419788361},{"word":"sure","start":14.665,"end":15.165,"confidence":0.98339844,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.3595912456512451},{"word":"yeah","start":22.185,"end":22.505001,"confidence":0.7722168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09530697762966156},{"word":"of","start":22.505001,"end":22.665,"confidence":0.97802734,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.1662057340145111},{"word":"course","start":22.665,"end":23.165,"confidence":0.99902344,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.2293049544095993},{"word":"yep","start":33.32,"end":33.64,"confidence":0.876709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021682776510715485},{"word":"11/03/1991","start":33.64,"end":35.58,"confidence":0.9819743,"punctuated_word":"11/03/1991.","sentiment":"neutral","sentiment_score":0.025368282571434975},{"word":"and","start":39.8,"end":40.04,"confidence":0.70751953,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.27849236130714417},{"word":"361","start":40.04,"end":40.760002,"confidence":0.99609375,"punctuated_word":"361","sentiment":"neutral","sentiment_score":0.28877493739128113},{"word":"corby","start":40.760002,"end":41.260002,"confidence":0.9243164,"punctuated_word":"Corby","sentiment":"positive","sentiment_score":0.34687474370002747},{"word":"avenue","start":43.245,"end":43.745,"confidence":0.9836426,"punctuated_word":"Avenue.","sentiment":"neutral","sentiment_score":0.1621527373790741},{"word":"mhmm","start":48.365,"end":48.865,"confidence":0.97631836,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.056888096034526825},{"word":"yeah","start":52.480003,"end":52.980003,"confidence":0.94555664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07247599959373474},{"word":"i","start":56.595,"end":56.845,"confidence":0.88183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12348271906375884},{"word":"can","start":56.845,"end":57.005,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08781877160072327},{"word":"open","start":57.005,"end":57.3,"confidence":0.875,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.1262621134519577},{"word":"hear","start":69.3,"end":69.735,"confidence":0.19165039,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.21727290749549863},{"word":"sure","start":80.135,"end":80.635,"confidence":0.9641113,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.024031000211834908},{"word":"no","start":81.815,"end":82.215,"confidence":0.9267578,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07097496837377548},{"word":"not","start":82.215,"end":82.455,"confidence":0.73779297,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08902689069509506},{"word":"in","start":82.455,"end":82.775,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09230123460292816},{"word":"particular","start":82.775,"end":83.275,"confidence":0.97094727,"punctuated_word":"particular.","sentiment":"neutral","sentiment_score":-0.0967358499765396},{"word":"i","start":83.415,"end":83.495,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11249484866857529},{"word":"guess","start":83.495,"end":83.735,"confidence":0.9658203,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.09829181432724},{"word":"just","start":83.735,"end":84.18,"confidence":0.65478516,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06565268337726593},{"word":"had","start":84.5,"end":84.58,"confidence":0.96972656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07278479635715485},{"word":"a","start":84.58,"end":84.66,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04452114924788475},{"word":"look","start":84.66,"end":84.9,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03963338956236839},{"word":"at","start":84.9,"end":84.98,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06183958053588867},{"word":"my","start":84.98,"end":85.14,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.024678006768226624},{"word":"super","start":85.14,"end":85.38,"confidence":0.8989258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06024009734392166},{"word":"the","start":85.38,"end":85.62,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003198564052581787},{"word":"other","start":85.62,"end":85.7,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.02017197012901306},{"word":"day","start":85.7,"end":86.2,"confidence":0.76782227,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":-0.02026253193616867},{"word":"and","start":86.82,"end":87.06,"confidence":0.9267578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03556609898805618},{"word":"then","start":87.06,"end":87.3,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.018990684300661087},{"word":"i've","start":87.3,"end":87.62,"confidence":0.7548828,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02616439387202263},{"word":"i've","start":87.62,"end":87.94,"confidence":0.9975586,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.01862841099500656},{"word":"started","start":87.94,"end":88.26,"confidence":0.9921875,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.006962612271308899},{"word":"kind","start":88.26,"end":88.42,"confidence":0.9277344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.004980683326721191},{"word":"of","start":88.42,"end":88.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007144533097743988},{"word":"just","start":88.58,"end":88.82,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.011501014232635498},{"word":"doing","start":88.82,"end":89.32,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.02060411125421524},{"word":"investing","start":89.86,"end":90.34,"confidence":0.61376953,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.04755206033587456},{"word":"through","start":90.34,"end":90.58,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.008603379130363464},{"word":"comsec","start":90.58,"end":91.08,"confidence":0.5834961,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.029219284653663635},{"word":"this","start":91.54,"end":91.7,"confidence":0.9394531,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02476797252893448},{"word":"year","start":91.7,"end":91.94,"confidence":0.97436523,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.02750250324606895},{"word":"which","start":91.94,"end":92.1,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.019443608820438385},{"word":"i","start":92.1,"end":92.18,"confidence":0.8027344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04572287946939469},{"word":"guess","start":92.18,"end":92.42,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.04965554177761078},{"word":"is","start":92.42,"end":92.58,"confidence":0.95947266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05955523997545242},{"word":"different","start":92.58,"end":92.9,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0813293308019638},{"word":"to","start":92.9,"end":92.98,"confidence":0.9291992,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0668574646115303},{"word":"what","start":92.98,"end":93.14,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05839157849550247},{"word":"i've","start":93.14,"end":93.3,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.020703647285699844},{"word":"done","start":93.3,"end":93.8,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.04388634115457535},{"word":"in","start":94.1,"end":94.26,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.036868929862976074},{"word":"the","start":94.26,"end":94.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0033351704478263855},{"word":"past","start":94.34,"end":94.66,"confidence":0.94262695,"punctuated_word":"past.","sentiment":"neutral","sentiment_score":-0.02970058470964432},{"word":"so","start":94.66,"end":94.82,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021116942167282104},{"word":"i","start":94.82,"end":94.9,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03951392695307731},{"word":"don't","start":94.9,"end":95.14,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03063182346522808},{"word":"know","start":95.14,"end":95.64,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06769820302724838},{"word":"whether","start":96.1,"end":96.42,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.038608431816101074},{"word":"that's","start":96.42,"end":96.74,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00728742778301239},{"word":"something","start":96.74,"end":97.185,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.03948432952165603},{"word":"that","start":97.744995,"end":97.905,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03488551080226898},{"word":"i","start":97.905,"end":98.064995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04335583746433258},{"word":"can","start":98.064995,"end":98.465,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04566174745559693},{"word":"do","start":98.465,"end":98.704994,"confidence":0.81347656,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05837099999189377},{"word":"through","start":98.704994,"end":98.945,"confidence":0.9140625,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06554482877254486},{"word":"you","start":98.945,"end":99.104996,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17098841071128845},{"word":"guys","start":99.104996,"end":99.424995,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.15938428044319153},{"word":"as","start":99.424995,"end":99.585,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06400246918201447},{"word":"well","start":99.585,"end":99.825,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.05864739418029785},{"word":"or","start":99.825,"end":100.325,"confidence":0.6381836,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009854823350906372},{"word":"but","start":101.825,"end":102.064995,"confidence":0.98535156,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02603519707918167},{"word":"i","start":102.064995,"end":102.145,"confidence":0.82177734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016147486865520477},{"word":"guess","start":102.145,"end":102.465,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.012175776064395905},{"word":"that's","start":102.465,"end":102.784996,"confidence":0.66918945,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.00187484675552696},{"word":"the","start":102.784996,"end":102.945,"confidence":0.71728516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00967293232679367},{"word":"only","start":102.945,"end":103.185,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.014724858105182648},{"word":"thing","start":103.185,"end":103.345,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04791869223117829},{"word":"that's","start":103.345,"end":103.585,"confidence":0.9941406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04342913255095482},{"word":"kind","start":103.585,"end":103.825,"confidence":0.90283203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04273341596126557},{"word":"of","start":103.825,"end":103.905,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07478779554367065},{"word":"new","start":103.905,"end":104.405,"confidence":0.99316406,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.05462012439966202},{"word":"that","start":105.185,"end":105.424995,"confidence":0.8286133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07259645313024521},{"word":"i'm","start":105.424995,"end":105.744995,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10102248191833496},{"word":"interested","start":105.744995,"end":106.225,"confidence":0.9941406,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":0.07049675285816193},{"word":"in","start":106.225,"end":106.384995,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09800981730222702},{"word":"getting","start":106.384995,"end":106.625,"confidence":0.9941406,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.16444246470928192},{"word":"a","start":106.625,"end":106.704994,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1916787028312683},{"word":"bit","start":106.704994,"end":106.865,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17607995867729187},{"word":"more","start":106.865,"end":107.024994,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17783212661743164},{"word":"information","start":107.024994,"end":107.505,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.14220014214515686},{"word":"about","start":107.505,"end":108.005,"confidence":0.99121094,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.1627976894378662},{"word":"mhmm","start":119.81,"end":120.31,"confidence":0.961792,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05055994167923927},{"word":"yep","start":122.53,"end":122.805,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3860809803009033},{"word":"mhmm","start":135.3,"end":135.8,"confidence":0.89404297,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10655803978443146},{"word":"mhmm","start":144.57,"end":144.82,"confidence":0.99108887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06031811982393265},{"word":"mhmm","start":144.82,"end":145.32,"confidence":0.9449463,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0404435321688652},{"word":"yep","start":148.02,"end":148.335,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.098102867603302},{"word":"yeah","start":152.975,"end":153.21501,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14367049932479858},{"word":"ideally","start":153.21501,"end":153.71501,"confidence":0.9526367,"punctuated_word":"Ideally,","sentiment":"neutral","sentiment_score":0.21413898468017575},{"word":"if","start":153.77501,"end":153.93501,"confidence":0.8618164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24472695589065552},{"word":"possible","start":153.93501,"end":154.43501,"confidence":0.9980469,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.30047115683555603},{"word":"i","start":166.48,"end":166.71999,"confidence":0.90283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02253279834985733},{"word":"guess","start":166.71999,"end":167.12,"confidence":0.9980469,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.022572070360183716},{"word":"we're","start":167.12,"end":167.51999,"confidence":0.82177734,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.031980887055397034},{"word":"we're","start":167.51999,"end":168.01999,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.025772396475076675},{"word":"trying","start":168.56,"end":168.79999,"confidence":0.5419922,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.007930979132652283},{"word":"to","start":168.79999,"end":168.87999,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009255222976207731},{"word":"trying","start":169.04,"end":169.2,"confidence":0.96435547,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.02117457240819931},{"word":"to","start":169.2,"end":169.28,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03073519468307495},{"word":"think","start":169.28,"end":169.51999,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01689848303794861},{"word":"about","start":169.51999,"end":169.63998,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.023846834897994995},{"word":"trying","start":169.76,"end":170.07999,"confidence":0.9873047,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.02066192775964737},{"word":"to","start":170.07999,"end":170.15999,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00414622575044632},{"word":"start","start":170.15999,"end":170.4,"confidence":0.9526367,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.00986376404762268},{"word":"a","start":170.4,"end":170.56,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04974839091300965},{"word":"family","start":170.56,"end":170.87999,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.06030851602554321},{"word":"at","start":170.87999,"end":171.04,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03071887046098709},{"word":"the","start":171.04,"end":171.2,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007810696959495544},{"word":"moment","start":171.2,"end":171.59999,"confidence":0.83374023,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.016958117485046387},{"word":"so","start":171.59999,"end":172.09999,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0019667744636535645},{"word":"i","start":172.31999,"end":172.4,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018908224999904633},{"word":"think","start":172.4,"end":172.56,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.006579652428627014},{"word":"i","start":172.71999,"end":172.79999,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013700827956199646},{"word":"i","start":172.79999,"end":172.87999,"confidence":0.8642578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013641305267810822},{"word":"guess","start":172.87999,"end":173.12,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.010052390396595},{"word":"our","start":173.12,"end":173.28,"confidence":0.6713867,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.020951256155967712},{"word":"financial","start":173.28,"end":173.78,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.011209189891815186},{"word":"situation","start":173.84,"end":174.23999,"confidence":0.99902344,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.07447227835655212},{"word":"is","start":174.23999,"end":174.4,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03159932792186737},{"word":"probably","start":174.4,"end":174.64,"confidence":0.99316406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05805604159832001},{"word":"gonna","start":174.64,"end":174.95999,"confidence":0.9790039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.056109510362148285},{"word":"look","start":174.95999,"end":175.04,"confidence":0.9428711,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.021170519292354584},{"word":"a","start":175.04,"end":175.12,"confidence":0.8330078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03520666062831879},{"word":"little","start":175.12,"end":175.455,"confidence":0.8769531,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0367903932929039},{"word":"different","start":175.535,"end":175.855,"confidence":0.5058594,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.028245098888874057},{"word":"over","start":175.855,"end":175.89499,"confidence":0.9770508,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.021130643784999847},{"word":"the","start":175.89499,"end":176.06499,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020401380956172943},{"word":"next","start":176.06499,"end":176.23499,"confidence":0.99609375,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01148100197315216},{"word":"couple","start":176.23499,"end":176.405,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.021801523864269257},{"word":"of","start":176.405,"end":176.575,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02770810574293137},{"word":"years","start":176.575,"end":176.735,"confidence":0.9980469,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.011811591684818268},{"word":"if","start":176.735,"end":176.895,"confidence":0.8310547,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02562880888581276},{"word":"all","start":176.895,"end":177.05501,"confidence":0.984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.010656535625457764},{"word":"things","start":177.05501,"end":177.295,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.008410125970840454},{"word":"go","start":177.295,"end":177.455,"confidence":0.97509766,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0105326846241951},{"word":"to","start":177.455,"end":177.535,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0319054052233696},{"word":"plan","start":177.535,"end":178.035,"confidence":0.9658203,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.030864637345075607},{"word":"mhmm","start":189.295,"end":189.795,"confidence":0.991333,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08043918013572693},{"word":"yep","start":199.02,"end":199.52,"confidence":0.8474121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018259238451719284},{"word":"i","start":202.54,"end":202.7,"confidence":0.59521484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03601142764091492},{"word":"think","start":202.7,"end":202.94,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.030900485813617703},{"word":"we're","start":202.94,"end":203.18,"confidence":0.9941406,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0002882604894693941},{"word":"at","start":203.18,"end":203.5,"confidence":0.59765625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06397026777267456},{"word":"about","start":203.5,"end":203.74,"confidence":0.92578125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0034940727055072784},{"word":"$4.20","start":203.74,"end":204.58499,"confidence":0.99902344,"punctuated_word":"$4.20","sentiment":"neutral","sentiment_score":0.030957486480474472},{"word":"now","start":204.58499,"end":205.08499,"confidence":0.91137695,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.015375027433037758},{"word":"roughly","start":205.86499,"end":206.36499,"confidence":1.0,"punctuated_word":"roughly.","sentiment":"neutral","sentiment_score":0.001651648432016373},{"word":"mhmm","start":213.94499,"end":214.44499,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.028269749134778976},{"word":"we","start":215.22499,"end":215.385,"confidence":0.76953125,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.007490035146474838},{"word":"haven't","start":215.385,"end":215.625,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.003625551238656044},{"word":"had","start":215.625,"end":215.86499,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.014305774122476578},{"word":"it","start":215.86499,"end":216.025,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017437390983104706},{"word":"valued","start":216.025,"end":216.345,"confidence":0.98583984,"punctuated_word":"valued,","sentiment":"neutral","sentiment_score":-0.017795531079173088},{"word":"but","start":216.345,"end":216.50499,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.022715196013450623},{"word":"i","start":216.50499,"end":216.72,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01031610369682312},{"word":"would","start":216.88,"end":217.12,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.002730242908000946},{"word":"say","start":217.12,"end":217.44,"confidence":0.9951172,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03185133635997772},{"word":"probably","start":217.44,"end":217.84,"confidence":0.9394531,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04801880568265915},{"word":"between","start":217.84,"end":218.34,"confidence":0.9970703,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.047824375331401825},{"word":"$7.50","start":218.8,"end":219.78,"confidence":0.9970703,"punctuated_word":"$7.50","sentiment":"neutral","sentiment_score":0.0717461109161377},{"word":"and","start":219.84,"end":220.24,"confidence":0.8510742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04407677054405213},{"word":"i","start":220.4,"end":220.56,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03218522667884827},{"word":"mean","start":220.56,"end":220.8,"confidence":0.9663086,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.05849677324295044},{"word":"i","start":220.8,"end":220.88,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0509529709815979},{"word":"think","start":220.88,"end":221.2,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07872452586889267},{"word":"8","start":221.2,"end":221.28,"confidence":0.97998047,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.08482871949672699},{"word":"would","start":221.28,"end":221.44,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08916578441858292},{"word":"be","start":221.44,"end":221.94,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06729251891374588},{"word":"high","start":222.32,"end":222.64,"confidence":0.8041992,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.10783003270626068},{"word":"range","start":222.64,"end":223.12,"confidence":0.9387207,"punctuated_word":"range,","sentiment":"neutral","sentiment_score":0.10819951444864272},{"word":"but","start":223.12,"end":223.62,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0711275041103363},{"word":"i","start":224.0,"end":224.16,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09425488114356996},{"word":"think","start":224.16,"end":224.4,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12757207453250885},{"word":"we'd","start":224.4,"end":224.72,"confidence":0.9152832,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.15436860918998718},{"word":"probably","start":224.72,"end":225.22,"confidence":0.97802734,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.17907215654850006},{"word":"pretty","start":225.28,"end":225.44,"confidence":0.9550781,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1929810792207718},{"word":"comfortably","start":225.44,"end":225.92,"confidence":0.9980469,"punctuated_word":"comfortably","sentiment":"neutral","sentiment_score":0.1574472188949585},{"word":"get","start":225.92,"end":226.16,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15788604319095612},{"word":"$7.50","start":226.16,"end":226.8,"confidence":0.9980469,"punctuated_word":"$7.50"},{"word":"now","start":226.8,"end":227.3,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.023758143186569217},{"word":"mhmm","start":230.255,"end":230.755,"confidence":0.9711914,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03402380645275116},{"word":"okay","start":237.13501,"end":237.63501,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.029743708670139313},{"word":"i","start":241.13501,"end":241.29501,"confidence":0.7783203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013962015509605408},{"word":"think","start":241.29501,"end":241.535,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.020453067496418953},{"word":"i'm","start":241.535,"end":241.695,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.023384615778923035},{"word":"at","start":241.695,"end":241.93501,"confidence":0.7709961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02570824883878231},{"word":"about","start":241.93501,"end":242.335,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03234364464879036},{"word":"13","start":242.335,"end":242.735,"confidence":1.0,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.04099457710981369},{"word":"or","start":242.735,"end":242.895,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03510330617427826},{"word":"14","start":242.895,"end":243.29501,"confidence":1.0,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.04545522481203079},{"word":"k","start":243.29501,"end":243.535,"confidence":0.99902344,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.05541640520095825},{"word":"at","start":243.535,"end":243.695,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03489329665899277},{"word":"the","start":243.695,"end":243.77501,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050929851830005646},{"word":"moment","start":243.77501,"end":244.26,"confidence":0.99902344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.05810486525297165},{"word":"yes","start":248.9,"end":249.14,"confidence":0.91552734,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10190658271312714},{"word":"i'm","start":249.14,"end":249.37999,"confidence":0.9863281,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08460777997970581},{"word":"doing","start":249.37999,"end":249.87999,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0981992408633232},{"word":"two","start":250.34,"end":250.5,"confidence":0.9921875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14698278903961182},{"word":"hun","start":250.5,"end":250.73999,"confidence":0.44677734,"punctuated_word":"hun","sentiment":"neutral","sentiment_score":0.11411236971616744},{"word":"like","start":250.81999,"end":251.06,"confidence":0.9597168,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10792651772499084},{"word":"around","start":251.06,"end":251.37999,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.13508744537830353},{"word":"200","start":251.37999,"end":251.78,"confidence":0.99902344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1578926146030426},{"word":"a","start":251.78,"end":251.86,"confidence":0.59472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12965315580368042},{"word":"fortnight","start":251.86,"end":252.36,"confidence":0.99902344,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.12583863735198977},{"word":"yeah","start":258.44498,"end":258.685,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.37076956033706665},{"word":"good","start":258.685,"end":259.005,"confidence":0.9875488,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5396740436553955},{"word":"like","start":259.005,"end":259.16498,"confidence":0.9555664,"punctuated_word":"Like,","sentiment":"positive","sentiment_score":0.38741105794906616},{"word":"i'm","start":259.16498,"end":259.405,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5977813005447388},{"word":"not","start":259.405,"end":259.645,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.5643570423126221},{"word":"missing","start":259.645,"end":259.965,"confidence":0.97802734,"punctuated_word":"missing","sentiment":"positive","sentiment_score":0.3614261746406555},{"word":"the","start":259.965,"end":260.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5519704818725586},{"word":"money","start":260.125,"end":260.625,"confidence":0.9790039,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.541741132736206},{"word":"i","start":261.005,"end":261.16498,"confidence":0.7373047,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.49922382831573486},{"word":"just","start":261.16498,"end":261.565,"confidence":0.51220703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5085660219192505},{"word":"become","start":261.565,"end":261.88498,"confidence":0.98828125,"punctuated_word":"become","sentiment":"positive","sentiment_score":0.5004859566688538},{"word":"part","start":261.88498,"end":262.125,"confidence":0.9980469,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.4691300690174103},{"word":"of","start":262.125,"end":262.205,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5192969441413879},{"word":"the","start":262.205,"end":262.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5262648463249207},{"word":"routine","start":262.285,"end":262.685,"confidence":0.98291016,"punctuated_word":"routine","sentiment":"positive","sentiment_score":0.6022920608520508},{"word":"now","start":262.685,"end":263.185,"confidence":0.99316406,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.4913387298583984},{"word":"yeah","start":270.86,"end":271.18,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010037055239081384},{"word":"hopefully","start":271.18,"end":271.58,"confidence":0.8989258,"punctuated_word":"Hopefully","sentiment":"neutral","sentiment_score":-0.07950121909379959},{"word":"not","start":271.58,"end":272.08,"confidence":0.9543457,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.03245859593153},{"word":"mhmm","start":277.41998,"end":277.91998,"confidence":0.97839355,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.023971734568476677},{"word":"yeah","start":285.89502,"end":286.05502,"confidence":0.6845703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06500646471977234},{"word":"that's","start":286.05502,"end":286.295,"confidence":0.98950195,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07513095438480377},{"word":"the","start":286.295,"end":286.45502,"confidence":0.8911133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06920991837978363},{"word":"same","start":286.45502,"end":286.95502,"confidence":0.92163086,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.1463075429201126},{"word":"mhmm","start":293.815,"end":294.315,"confidence":0.9661865,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01971721649169922},{"word":"i","start":303.11,"end":303.43,"confidence":0.8339844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04422050714492798},{"word":"just","start":303.43,"end":303.75,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03672023490071297},{"word":"kind","start":303.75,"end":303.99,"confidence":0.96777344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03472175449132919},{"word":"of","start":303.99,"end":304.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.042785659432411194},{"word":"went","start":304.15,"end":304.38998,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.0462314747273922},{"word":"for","start":304.38998,"end":304.55,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.056689925491809845},{"word":"very","start":304.55,"end":304.79,"confidence":0.9873047,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.04996640235185623},{"word":"broad","start":304.79,"end":305.03,"confidence":1.0,"punctuated_word":"broad","sentiment":"neutral","sentiment_score":0.07918024063110352},{"word":"ones","start":305.03,"end":305.35,"confidence":0.83984375,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.06263378262519836},{"word":"to","start":305.35,"end":305.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07080358266830444},{"word":"be","start":305.51,"end":305.59,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.051381658762693405},{"word":"honest","start":305.59,"end":305.91,"confidence":0.9716797,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":0.058076221495866776},{"word":"like","start":305.91,"end":306.07,"confidence":0.9560547,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.05358157306909561},{"word":"with","start":306.07,"end":306.31,"confidence":0.9472656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06332869082689285},{"word":"comsec","start":306.31,"end":306.71,"confidence":0.7345378,"punctuated_word":"Comsec,","sentiment":"neutral","sentiment_score":0.06908901035785675},{"word":"they've","start":306.71,"end":306.87,"confidence":0.99609375,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.08124241977930069},{"word":"got","start":306.87,"end":307.11,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10575058311223984},{"word":"kind","start":307.11,"end":307.27,"confidence":0.9448242,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09462375938892365},{"word":"of","start":307.27,"end":307.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08768324553966522},{"word":"categories","start":307.59,"end":308.09,"confidence":0.99902344,"punctuated_word":"categories","sentiment":"neutral","sentiment_score":0.07752682268619537},{"word":"that","start":308.38998,"end":308.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1004524677991867},{"word":"you","start":308.63,"end":308.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09777810424566268},{"word":"can","start":308.79,"end":309.29,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07263417541980743},{"word":"invest","start":309.66998,"end":310.07,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.05030443891882896},{"word":"in","start":310.07,"end":310.23,"confidence":0.94018555,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.054928842931985855},{"word":"so","start":310.23,"end":310.38998,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03548389673233032},{"word":"i've","start":310.38998,"end":310.47,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04423226416110992},{"word":"got","start":310.47,"end":310.71,"confidence":0.9511719,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.05429653823375702},{"word":"like","start":310.71,"end":310.87,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05183400586247444},{"word":"a","start":310.87,"end":310.95,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05261532962322235},{"word":"tech","start":310.95,"end":311.27,"confidence":0.84472656,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.05740668624639511},{"word":"one","start":311.27,"end":311.715,"confidence":0.8652344,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.04804821312427521},{"word":"and","start":311.715,"end":311.875,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037047699093818665},{"word":"then","start":311.875,"end":312.035,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04632321745157242},{"word":"i've","start":312.035,"end":312.115,"confidence":0.9975586,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03898371011018753},{"word":"got","start":312.115,"end":312.435,"confidence":0.98535156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04979252815246582},{"word":"a","start":312.435,"end":312.755,"confidence":0.97680664,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.05517765134572983},{"word":"like","start":312.755,"end":313.155,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07229619473218918},{"word":"global","start":313.155,"end":313.655,"confidence":0.9790039,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.06224824860692024},{"word":"global","start":314.595,"end":315.095,"confidence":0.96972656,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.05938859283924103},{"word":"top","start":315.155,"end":315.555,"confidence":0.99316406,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.07106237858533859},{"word":"200","start":315.555,"end":316.115,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.08510789275169373},{"word":"or","start":316.115,"end":316.435,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06788493692874908},{"word":"whatever","start":316.435,"end":316.835,"confidence":0.7714844,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.05473405122756958},{"word":"and","start":316.835,"end":316.995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0450497642159462},{"word":"then","start":316.995,"end":317.155,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06371644884347916},{"word":"the","start":317.155,"end":317.315,"confidence":0.67041016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04838261008262634},{"word":"asx","start":317.315,"end":317.715,"confidence":0.97216797,"punctuated_word":"ASX","sentiment":"neutral","sentiment_score":0.04477611184120178},{"word":"200","start":317.715,"end":318.375,"confidence":0.99853516,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.048548489809036255},{"word":"yeah","start":321.715,"end":322.035,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06468245387077332},{"word":"i","start":322.035,"end":322.195,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07955577224493027},{"word":"just","start":322.195,"end":322.435,"confidence":0.9165039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07024254649877548},{"word":"kinda","start":322.435,"end":322.675,"confidence":0.9760742,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10952193289995192},{"word":"wanted","start":322.675,"end":322.915,"confidence":0.53515625,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09926079213619232},{"word":"to","start":322.915,"end":322.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1153501123189926},{"word":"keep","start":322.995,"end":323.235,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13816197216510773},{"word":"it","start":323.235,"end":323.315,"confidence":0.86328125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15066379308700562},{"word":"very","start":323.315,"end":323.635,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.15524305403232574},{"word":"basic","start":323.635,"end":323.97,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.1459769904613495},{"word":"starting","start":323.97,"end":324.45,"confidence":0.9760742,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.15555118024349213},{"word":"out","start":324.45,"end":324.95,"confidence":0.9645996,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.16758820414543152},{"word":"yeah","start":331.09,"end":331.33,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13804282248020172},{"word":"i","start":331.33,"end":331.49,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22065916657447815},{"word":"believe","start":331.49,"end":331.89,"confidence":1.0,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.19157102704048157},{"word":"so","start":331.89,"end":332.39,"confidence":0.99902344,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.24754387140274048},{"word":"mhmm","start":335.89,"end":336.39,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.015538576059043407},{"word":"yeah","start":337.73,"end":337.995,"confidence":0.89624023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03662622720003128},{"word":"mhmm","start":341.35498,"end":341.85498,"confidence":0.99902344,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0026639685966074467},{"word":"mhmm","start":344.155,"end":344.655,"confidence":0.99853516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1050494983792305},{"word":"mhmm","start":350.79498,"end":351.12,"confidence":0.9873047,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.3321402966976166},{"word":"mhmm","start":356.96,"end":357.46,"confidence":0.99316406,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1962476670742035},{"word":"yeah","start":365.68,"end":366.135,"confidence":0.8527832,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09436257928609848},{"word":"mhmm","start":377.575,"end":378.075,"confidence":0.9564209,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06464864313602448},{"word":"yep","start":383.03,"end":383.53,"confidence":0.7561035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12386809289455414},{"word":"mhmm","start":393.99,"end":394.485,"confidence":0.9094238,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15608413517475128},{"word":"yep","start":396.00497,"end":396.50497,"confidence":0.97094727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1512521207332611},{"word":"okay","start":398.245,"end":398.745,"confidence":0.9523926,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09926778078079224},{"word":"mhmm","start":402.88498,"end":403.38498,"confidence":0.97888184,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.19629351794719696},{"word":"yeah","start":409.525,"end":410.01,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17293599247932434},{"word":"okay","start":420.25,"end":420.75,"confidence":0.81103516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2344883382320404},{"word":"yeah","start":433.475,"end":433.875,"confidence":0.73620605,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2147519886493683},{"word":"sure","start":433.875,"end":434.375,"confidence":0.9951172,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.3151169419288635},{"word":"mhmm","start":442.12,"end":442.62,"confidence":0.96313477,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2226552665233612},{"word":"mhmm","start":454.195,"end":454.695,"confidence":0.946167,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13721752166748047},{"word":"yep","start":462.435,"end":462.935,"confidence":0.78125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07778140902519226},{"word":"mhmm","start":470.22,"end":470.72,"confidence":0.9814453,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1304168552160263},{"word":"yeah","start":476.30002,"end":476.80002,"confidence":0.7565918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07649324089288712},{"word":"mhmm","start":480.7,"end":481.125,"confidence":0.9995117,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16578784584999084},{"word":"yep","start":486.005,"end":486.505,"confidence":0.8251953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12200814485549928},{"word":"yeah","start":488.645,"end":489.145,"confidence":0.7561035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12002292275428772},{"word":"i","start":497.08002,"end":497.24002,"confidence":0.51171875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15366870164871216},{"word":"guess","start":497.24002,"end":497.56,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.10644156485795976},{"word":"that's","start":497.56,"end":497.72,"confidence":0.92626953,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.12831097841262817},{"word":"something","start":497.72,"end":498.04,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1355336606502533},{"word":"that","start":498.04,"end":498.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1032334715127945},{"word":"potentially","start":498.28,"end":498.68002,"confidence":0.7651367,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.16128984093666077},{"word":"we","start":498.68002,"end":498.92,"confidence":0.96533203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10325763374567032},{"word":"will","start":498.92,"end":499.08002,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.10736973583698271},{"word":"look","start":499.08002,"end":499.32,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06932490319013596},{"word":"into","start":499.32,"end":499.82,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06202930212020874},{"word":"if","start":500.36,"end":500.86,"confidence":0.97265625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12863484025001526},{"word":"if","start":501.4,"end":501.80002,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1164005696773529},{"word":"the","start":501.80002,"end":502.04,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13220757246017456},{"word":"family","start":502.04,"end":502.44,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.08571711927652359},{"word":"happens","start":502.44,"end":502.94,"confidence":0.986084,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":-0.08815112709999084},{"word":"yeah","start":503.64,"end":503.88,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003196246922016144},{"word":"i","start":503.88,"end":504.04,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06254296749830246},{"word":"i","start":504.04,"end":504.2,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07794074714183807},{"word":"mean","start":504.2,"end":504.36002,"confidence":0.97753906,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.03285953029990196},{"word":"i","start":504.36002,"end":504.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07283520698547363},{"word":"i","start":504.6,"end":504.68,"confidence":0.9194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12380655109882356},{"word":"very","start":504.68,"end":504.92,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.11112147569656372},{"word":"much","start":504.92,"end":505.08002,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08926652371883392},{"word":"feel","start":505.08002,"end":505.24002,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.12754879891872406},{"word":"like","start":505.24002,"end":505.4,"confidence":0.94189453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16042570769786835},{"word":"i'm","start":505.4,"end":505.48,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17902258038520813},{"word":"just","start":505.48,"end":505.72,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18547356128692627},{"word":"kinda","start":505.72,"end":506.04,"confidence":0.72509766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.1917196363210678},{"word":"dabbling","start":506.04,"end":506.52002,"confidence":0.9616699,"punctuated_word":"dabbling","sentiment":"neutral","sentiment_score":-0.10716702044010162},{"word":"at","start":506.52002,"end":506.68,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22694453597068787},{"word":"the","start":506.68,"end":506.84,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17518043518066406},{"word":"moment","start":506.84,"end":507.24002,"confidence":0.9057617,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.13420288264751434},{"word":"so","start":507.24002,"end":507.735,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06653821468353271},{"word":"i","start":508.29498,"end":508.455,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06162549555301666},{"word":"think","start":508.455,"end":508.615,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06315299868583679},{"word":"i","start":508.69498,"end":508.85498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.061889439821243286},{"word":"guess","start":508.85498,"end":509.09497,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.017243489623069763},{"word":"once","start":509.09497,"end":509.335,"confidence":0.6503906,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.1149706095457077},{"word":"i","start":509.335,"end":509.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11162672936916351},{"word":"hit","start":509.495,"end":509.735,"confidence":0.9980469,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.09212756156921388},{"word":"that","start":509.735,"end":509.895,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07387673854827881},{"word":"20","start":509.895,"end":510.215,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.059627220034599304},{"word":"k","start":510.215,"end":510.715,"confidence":0.95874023,"punctuated_word":"k,","sentiment":"neutral","sentiment_score":-0.07464843988418579},{"word":"then","start":511.175,"end":511.41498,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.055415257811546326},{"word":"potentially","start":511.41498,"end":511.91498,"confidence":0.82714844,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.13441118597984314},{"word":"i","start":511.97498,"end":512.055,"confidence":0.7451172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17126163840293884},{"word":"could","start":512.055,"end":512.21497,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.18660472333431244},{"word":"would","start":512.375,"end":512.615,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1703660488128662},{"word":"be","start":512.615,"end":512.695,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19033211469650269},{"word":"interested","start":512.695,"end":513.195,"confidence":1.0,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":-0.22805948555469513},{"word":"in","start":513.255,"end":513.755,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2306128293275833},{"word":"knowing","start":514.295,"end":514.615,"confidence":0.99902344,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":-0.17314773797988892},{"word":"what","start":514.615,"end":514.77496,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16438519954681396},{"word":"the","start":514.77496,"end":514.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15648148953914642},{"word":"next","start":514.855,"end":515.175,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.16673685610294342},{"word":"best","start":515.175,"end":515.415,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.10535900294780733},{"word":"thing","start":515.415,"end":515.735,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.04555557668209076},{"word":"is","start":515.735,"end":515.975,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07602441310882568},{"word":"to","start":515.975,"end":516.055,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12167336046695708},{"word":"do","start":516.055,"end":516.555,"confidence":0.9921875,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.1075109988451004},{"word":"so","start":517.89496,"end":518.21497,"confidence":0.85058594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02849024534225464},{"word":"i","start":518.21497,"end":518.375,"confidence":0.6533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04017898440361023},{"word":"guess","start":518.375,"end":518.615,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.001529693603515625},{"word":"are","start":518.615,"end":518.77496,"confidence":0.46289062,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04758015275001526},{"word":"you","start":518.77496,"end":519.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005599617958068848},{"word":"recommending","start":519.015,"end":519.515,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.009118713438510897},{"word":"to","start":520.23,"end":520.31,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002656877040863037},{"word":"get","start":520.31,"end":520.55,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0052341073751449585},{"word":"the","start":520.55,"end":520.71,"confidence":0.7939453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03899545967578888},{"word":"20","start":520.71,"end":520.95,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.01485830545425415},{"word":"k","start":520.95,"end":521.19,"confidence":0.6397705,"punctuated_word":"k,","sentiment":"neutral","sentiment_score":0.037491217255592346},{"word":"just","start":521.19,"end":521.35,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09472480416297913},{"word":"kinda","start":521.35,"end":521.59,"confidence":0.8984375,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.09397484362125395},{"word":"keep","start":521.59,"end":521.83,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.10471193492412569},{"word":"plugging","start":521.83,"end":522.15,"confidence":1.0,"punctuated_word":"plugging","sentiment":"neutral","sentiment_score":-0.01689736545085907},{"word":"away","start":522.15,"end":522.65,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.002931386232376098},{"word":"with","start":522.79,"end":522.95,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.056869134306907654},{"word":"what","start":522.95,"end":523.11,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01955266296863556},{"word":"i'm","start":523.11,"end":523.27,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.012832647189497948},{"word":"doing","start":523.27,"end":523.77,"confidence":0.99902344,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.01064823567867279},{"word":"mhmm","start":527.67,"end":528.17,"confidence":0.99609375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14625781774520874},{"word":"yeah","start":546.785,"end":546.99,"confidence":0.85375977,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4510355591773987},{"word":"mhmm","start":549.95,"end":550.45,"confidence":0.98205566,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.00027514994144439697},{"word":"mhmm","start":554.58997,"end":555.08997,"confidence":0.9851074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0004431363195180893},{"word":"yeah","start":560.43,"end":560.895,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03895668685436249},{"word":"yeah","start":565.215,"end":565.695,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14081747829914093},{"word":"i","start":565.695,"end":565.775,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18396922945976257},{"word":"guess","start":565.775,"end":566.015,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.2141536921262741},{"word":"that's","start":566.015,"end":566.17505,"confidence":0.9580078,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.24718639254570007},{"word":"why","start":566.17505,"end":566.41504,"confidence":0.99609375,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.19354726374149325},{"word":"i","start":566.41504,"end":566.575,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2607983350753784},{"word":"kind","start":566.575,"end":566.97504,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.31955182552337646},{"word":"of","start":566.97504,"end":567.375,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.35971447825431824},{"word":"only","start":567.375,"end":567.615,"confidence":0.88964844,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.14604394137859344},{"word":"was","start":567.615,"end":567.85504,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.22662201523780823},{"word":"doing","start":567.85504,"end":568.09503,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2605184018611908},{"word":"the","start":568.09503,"end":568.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2124166041612625},{"word":"200","start":568.255,"end":568.815,"confidence":0.9975586,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.18103672564029696},{"word":"because","start":568.815,"end":569.315,"confidence":0.86279297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07949674129486084},{"word":"yeah","start":570.97504,"end":571.29504,"confidence":0.99121094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08849427849054337},{"word":"i'm","start":571.29504,"end":571.53503,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.009547206573188303},{"word":"i'm","start":571.53503,"end":571.695,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.010503694415092468},{"word":"kind","start":571.695,"end":571.935,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.015874549746513367},{"word":"of","start":571.935,"end":572.17505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02992428094148636},{"word":"using","start":572.17505,"end":572.495,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.02831186354160309},{"word":"that","start":572.495,"end":572.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08202788233757019},{"word":"as","start":572.655,"end":572.815,"confidence":0.9291992,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.025406595319509503},{"word":"like","start":572.815,"end":572.97504,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0006126090884208679},{"word":"set","start":572.97504,"end":573.135,"confidence":0.9580078,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.059821851551532745},{"word":"and","start":573.135,"end":573.29504,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02000584453344345},{"word":"forget","start":573.29504,"end":573.775,"confidence":0.9980469,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":-0.025684967637062073},{"word":"at","start":573.775,"end":573.96,"confidence":0.98095703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03863043338060379},{"word":"the","start":573.96,"end":574.2,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005027338862419128},{"word":"moment","start":574.2,"end":574.7,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.009123701602220535},{"word":"yeah","start":581.0,"end":581.5,"confidence":0.9511719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026863928884267807},{"word":"yes","start":582.68,"end":583.18,"confidence":0.7368164,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2071098834276199},{"word":"mhmm","start":592.675,"end":593.155,"confidence":0.99108887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14973530173301697},{"word":"yep","start":593.155,"end":593.655,"confidence":0.984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25413256883621216},{"word":"yep","start":599.23505,"end":599.73505,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2867659032344818},{"word":"mhmm","start":611.00995,"end":611.50995,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09766864031553268},{"word":"yep","start":622.445,"end":622.945,"confidence":0.84594727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1454111784696579},{"word":"mhmm","start":623.245,"end":623.745,"confidence":0.9827881,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11170538514852524},{"word":"yeah","start":625.885,"end":626.25,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22373676300048828},{"word":"sure","start":631.29,"end":631.79,"confidence":0.98291016,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.0041114650666713715},{"word":"mhmm","start":633.05,"end":633.55,"confidence":0.9897461,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02320324629545212},{"word":"yep","start":636.81,"end":637.31,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08362163603305817},{"word":"yesterday","start":642.80505,"end":643.30505,"confidence":0.9343262,"punctuated_word":"Yesterday,","sentiment":"neutral","sentiment_score":-0.03276583552360535},{"word":"i","start":643.36505,"end":643.445,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03659918904304504},{"word":"think","start":643.445,"end":643.765,"confidence":0.96972656,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.026269003748893734},{"word":"yesterday","start":643.765,"end":643.965,"confidence":0.9863281,"punctuated_word":"Yesterday","sentiment":"neutral","sentiment_score":-0.01814946345984936},{"word":"or","start":643.965,"end":644.16504,"confidence":0.85498047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014999955892562866},{"word":"the","start":644.16504,"end":644.325,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019417472183704376},{"word":"day","start":644.325,"end":644.405,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.010033544152975082},{"word":"before","start":644.405,"end":644.905,"confidence":0.7475586,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":-0.02485646866261959},{"word":"but","start":645.685,"end":645.92505,"confidence":0.97314453,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05845455080270767},{"word":"i","start":645.92505,"end":646.005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0438600555062294},{"word":"hadn't","start":646.005,"end":646.325,"confidence":0.77075195,"punctuated_word":"hadn't","sentiment":"neutral","sentiment_score":0.03038116544485092},{"word":"for","start":646.325,"end":646.48505,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005755752325057983},{"word":"a","start":646.48505,"end":646.565,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0014810189604759216},{"word":"while","start":646.565,"end":646.885,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.0450478121638298},{"word":"before","start":646.885,"end":647.125,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.04800897091627121},{"word":"that","start":647.125,"end":647.625,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.014179065823554993},{"word":"mhmm","start":652.325,"end":652.825,"confidence":0.9906006,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13608132302761078},{"word":"yep","start":663.55,"end":664.05,"confidence":0.81884766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11652271449565887},{"word":"mhmm","start":668.11,"end":668.61,"confidence":0.9881592,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05922799929976463},{"word":"yeah","start":671.815,"end":672.315,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08443635702133179},{"word":"mhmm","start":677.175,"end":677.675,"confidence":0.99108887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02554232627153397},{"word":"yeah","start":679.41504,"end":679.91504,"confidence":0.92407227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004222014918923378},{"word":"mhmm","start":691.11005,"end":691.43005,"confidence":0.991333,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0685700923204422},{"word":"yeah","start":691.43005,"end":691.93005,"confidence":0.7873535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011164352297782898},{"word":"yeah","start":696.705,"end":696.945,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1296636164188385},{"word":"i","start":696.945,"end":697.10504,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1324247419834137},{"word":"think","start":697.10504,"end":697.34503,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.116146020591259},{"word":"i'm","start":697.34503,"end":697.66504,"confidence":0.7963867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1908196210861206},{"word":"like","start":697.66504,"end":697.905,"confidence":0.5371094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1995815634727478},{"word":"yeah","start":698.065,"end":698.385,"confidence":0.9838867,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2473548799753189},{"word":"i","start":698.385,"end":698.54504,"confidence":0.93359375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19432802498340607},{"word":"feel","start":698.54504,"end":698.705,"confidence":0.9863281,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1210286021232605},{"word":"like","start":698.705,"end":698.86505,"confidence":0.9506836,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11192503571510316},{"word":"that's","start":698.86505,"end":699.025,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1524023860692978},{"word":"to","start":699.025,"end":699.10504,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0995849072933197},{"word":"be","start":699.10504,"end":699.265,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14154964685440063},{"word":"expected","start":699.265,"end":699.66504,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.1676253229379654},{"word":"at","start":699.66504,"end":699.825,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05501875281333923},{"word":"the","start":699.825,"end":699.905,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14504782855510712},{"word":"moment","start":699.905,"end":700.405,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.19102957844734192},{"word":"yeah","start":708.065,"end":708.3,"confidence":0.7578125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10971912741661072},{"word":"mhmm","start":715.74,"end":716.24,"confidence":0.99243164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.17476032674312592},{"word":"yep","start":723.26,"end":723.525,"confidence":0.8630371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1059841364622116},{"word":"mhmm","start":723.60504,"end":724.10504,"confidence":0.9975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08916425704956055},{"word":"yeah","start":738.005,"end":738.24,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18067027628421783},{"word":"yep","start":742.95996,"end":743.45996,"confidence":0.93530273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06618013978004456},{"word":"mhmm","start":748.8,"end":749.3,"confidence":0.994751,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.20825882256031036},{"word":"yep","start":753.52,"end":754.02,"confidence":0.82006836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09062199294567108},{"word":"mhmm","start":763.895,"end":764.395,"confidence":0.99609375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.035646870732307434},{"word":"oh","start":767.655,"end":767.815,"confidence":0.95214844,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03618140518665314},{"word":"yeah","start":767.815,"end":768.05505,"confidence":0.7348633,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.027458079159259796},{"word":"sorry","start":768.05505,"end":768.55505,"confidence":0.8508301,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.002849290147423744},{"word":"the","start":768.74,"end":768.81995,"confidence":0.76171875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.006969120353460312},{"word":"attachment","start":768.81995,"end":769.31995,"confidence":0.82958984,"punctuated_word":"attachment.","sentiment":"neutral","sentiment_score":0.01590924896299839},{"word":"i","start":770.01996,"end":770.1,"confidence":0.3083496,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04057002440094948},{"word":"have","start":770.1,"end":770.25995,"confidence":0.9223633,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04692140966653824},{"word":"'24","start":770.25995,"end":770.74,"confidence":0.99072266,"punctuated_word":"'24","sentiment":"neutral","sentiment_score":0.0460379421710968},{"word":"performance","start":770.74,"end":771.13995,"confidence":0.9707031,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.04385297745466232},{"word":"report","start":771.13995,"end":771.54,"confidence":0.9946289,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.07098976522684097},{"word":"yep","start":771.54,"end":772.04,"confidence":0.9526367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10068705677986144},{"word":"yep","start":779.69995,"end":780.19995,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10563062131404875},{"word":"mhmm","start":782.415,"end":782.915,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06884840875864029},{"word":"yep","start":787.21497,"end":787.71497,"confidence":0.9321289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06462308019399643},{"word":"mhmm","start":794.415,"end":794.915,"confidence":0.99572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.3287239670753479},{"word":"yeah","start":798.67004,"end":799.17004,"confidence":0.9230957,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01684723049402237},{"word":"yeah","start":809.23004,"end":809.595,"confidence":0.8569336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07515646517276764},{"word":"yeah","start":819.675,"end":819.995,"confidence":0.7548828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.17445379495620728},{"word":"yeah","start":819.995,"end":820.495,"confidence":0.95874023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12952403724193573},{"word":"yeah","start":825.54,"end":826.04,"confidence":0.75634766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023821063339710236},{"word":"mhmm","start":830.66,"end":831.16,"confidence":0.99401855,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.041656412184238434},{"word":"yep","start":837.46,"end":837.735,"confidence":0.9133301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04429445415735245},{"word":"yeah","start":841.415,"end":841.915,"confidence":0.76416016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10225487500429152},{"word":"yeah","start":844.21497,"end":844.71497,"confidence":0.8093262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04131312668323517},{"word":"mhmm","start":853.51,"end":854.01,"confidence":0.8925781,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.027309436351060867},{"word":"okay","start":859.91003,"end":860.41003,"confidence":0.84106445,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020069938153028488},{"word":"no","start":866.425,"end":866.745,"confidence":0.95825195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0813465416431427},{"word":"it's","start":866.745,"end":866.985,"confidence":0.8088379,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02769717574119568},{"word":"okay","start":866.985,"end":867.485,"confidence":0.9975586,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.031233562156558037},{"word":"that's","start":880.12,"end":880.36,"confidence":0.83081055,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.018994079902768135},{"word":"that","start":880.36,"end":880.6,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029314782470464703},{"word":"manage","start":880.6,"end":881.0,"confidence":0.60546875,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.04979228973388672},{"word":"phone","start":881.0,"end":881.24,"confidence":0.38427734,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.049102261662483215},{"word":"at","start":881.24,"end":881.4,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05884474143385887},{"word":"the","start":881.4,"end":881.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04085584729909897},{"word":"top","start":881.48,"end":881.72003,"confidence":0.72351074,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":0.028214408084750175},{"word":"is","start":881.72003,"end":881.88,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02193925529718399},{"word":"it","start":881.88,"end":882.38,"confidence":0.7095947,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.014852168969810007},{"word":"yep","start":884.92,"end":885.42,"confidence":0.9094238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.024102380499243736},{"word":"yep","start":889.08,"end":889.365,"confidence":0.734375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.047665297985076904},{"word":"mhmm","start":896.245,"end":896.745,"confidence":0.9975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10892021656036376},{"word":"yep","start":898.325,"end":898.825,"confidence":0.7529297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005947461351752281},{"word":"yeah","start":915.35,"end":915.85,"confidence":0.9506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001225942745804787},{"word":"mhmm","start":919.43,"end":919.905,"confidence":0.99523926,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01900261268019676},{"word":"so","start":919.905,"end":920.405,"confidence":0.48266602,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.020769506692886353},{"word":"sorry","start":923.66504,"end":924.145,"confidence":0.7619629,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09003935009241104},{"word":"the","start":924.145,"end":924.465,"confidence":0.8720703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0774034708738327},{"word":"incoming","start":924.465,"end":924.945,"confidence":0.8671875,"punctuated_word":"incoming","sentiment":"neutral","sentiment_score":-0.06683099269866943},{"word":"period","start":924.945,"end":925.34503,"confidence":0.8171387,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.05682022124528885},{"word":"is","start":925.34503,"end":925.42505,"confidence":0.9741211,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03902051970362663},{"word":"that","start":925.42505,"end":925.66504,"confidence":0.8820801,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0318758450448513},{"word":"like","start":925.66504,"end":926.16504,"confidence":0.95214844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.020838409662246704},{"word":"is","start":926.705,"end":926.945,"confidence":0.9580078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03088275156915188},{"word":"that","start":926.945,"end":927.445,"confidence":0.9812012,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.03333510458469391},{"word":"like","start":927.505,"end":927.905,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03452271968126297},{"word":"dividends","start":927.905,"end":928.405,"confidence":0.87060547,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":-0.033828627318143845},{"word":"from","start":928.465,"end":928.78503,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.03785515576601029},{"word":"those","start":928.78503,"end":929.18506,"confidence":0.7792969,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04806589335203171},{"word":"shares","start":929.18506,"end":929.585,"confidence":0.9951172,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.06352454423904419},{"word":"or","start":929.585,"end":929.98505,"confidence":0.77978516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02898584119975567},{"word":"what","start":929.98505,"end":930.48505,"confidence":0.98291016,"punctuated_word":"what?","sentiment":"neutral","sentiment_score":-0.021387798711657524},{"word":"i'm","start":930.78503,"end":931.28503,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03045688197016716},{"word":"just","start":931.34503,"end":931.585,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04376211762428284},{"word":"trying","start":931.585,"end":931.825,"confidence":0.9951172,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.010009700432419775},{"word":"to","start":931.825,"end":931.905,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00430089607834816},{"word":"understand","start":931.905,"end":932.30505,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.0023034699261188507},{"word":"the","start":932.30505,"end":932.465,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005801025778055191},{"word":"things","start":932.465,"end":932.705,"confidence":0.9892578,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0006541945040225983},{"word":"at","start":932.705,"end":932.86505,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.008761357516050339},{"word":"the","start":932.86505,"end":932.945,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001141563057899475},{"word":"top","start":932.945,"end":933.42,"confidence":0.86816406,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":0.01290869526565075},{"word":"yeah","start":945.98,"end":946.395,"confidence":0.8640137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024190369993448257},{"word":"yep","start":952.075,"end":952.47504,"confidence":0.8239746,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07979688048362732},{"word":"okay","start":952.47504,"end":952.97504,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.059726886451244354},{"word":"and","start":955.835,"end":956.23505,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02756437286734581},{"word":"growth","start":956.23505,"end":956.555,"confidence":0.9770508,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07030027359724045},{"word":"is","start":956.555,"end":956.715,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04056357592344284},{"word":"essentially","start":956.715,"end":957.215,"confidence":0.9741211,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.038187175989151},{"word":"just","start":957.275,"end":957.775,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028690706938505173},{"word":"the","start":957.835,"end":958.335,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033246688544750214},{"word":"is","start":959.91504,"end":960.21,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04420203715562821},{"word":"that","start":960.29004,"end":960.53,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04091579094529152},{"word":"with","start":960.53,"end":961.03,"confidence":0.91845703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03336552157998085},{"word":"the","start":961.73004,"end":961.89,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034004610031843185},{"word":"start","start":961.89,"end":962.13,"confidence":0.9863281,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.0394737608730793},{"word":"of","start":962.13,"end":962.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05121851712465286},{"word":"the","start":962.21,"end":962.29004,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03125297650694847},{"word":"period","start":962.29004,"end":962.61005,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.034297116100788116},{"word":"to","start":962.61005,"end":962.69,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01433686539530754},{"word":"the","start":962.69,"end":962.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020781259983778},{"word":"end","start":962.77,"end":962.93,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.024376586079597473},{"word":"of","start":962.93,"end":963.09,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02731388434767723},{"word":"the","start":963.09,"end":963.17004,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022081919014453888},{"word":"period","start":963.17004,"end":963.41003,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.024002179503440857},{"word":"with","start":963.41003,"end":963.57,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021941129118204117},{"word":"the","start":963.57,"end":963.73004,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01773473620414734},{"word":"market","start":963.73004,"end":964.05005,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.01728805899620056},{"word":"value","start":964.05005,"end":964.55005,"confidence":0.96118164,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":0.01875685341656208},{"word":"yep","start":968.85004,"end":969.35004,"confidence":0.79003906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10120954364538191},{"word":"mhmm","start":972.225,"end":972.725,"confidence":0.9616699,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0637238621711731},{"word":"yeah","start":983.58496,"end":983.82495,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1508854180574417},{"word":"sure","start":983.82495,"end":984.32495,"confidence":0.96655273,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.29980015754699707},{"word":"right","start":997.93,"end":998.01,"confidence":0.8288574,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.15900439023971558},{"word":"yep","start":998.01,"end":998.415,"confidence":0.8952637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24300697445869449},{"word":"yep","start":1004.33496,"end":1004.83496,"confidence":0.8898926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10984568297863008},{"word":"yep","start":1027.875,"end":1028.375,"confidence":0.8754883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13846564292907715},{"word":"yep","start":1031.155,"end":1031.655,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07934946566820145},{"word":"i","start":1048.61,"end":1048.77,"confidence":0.66064453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005574777722358704},{"word":"think","start":1048.77,"end":1049.09,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.030146822333335876},{"word":"at","start":1049.09,"end":1049.25,"confidence":0.82177734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01222553849220276},{"word":"the","start":1049.25,"end":1049.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013756319880485536},{"word":"moment","start":1049.33,"end":1049.73,"confidence":0.9267578,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.026290684938430783},{"word":"i've","start":1049.73,"end":1049.89,"confidence":0.8630371,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08727507293224335},{"word":"just","start":1049.89,"end":1050.135,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06027966737747192},{"word":"lent","start":1050.6951,"end":1050.935,"confidence":0.35961914,"punctuated_word":"lent","sentiment":"neutral","sentiment_score":0.06877601891756058},{"word":"more","start":1050.935,"end":1051.175,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13459889590740204},{"word":"towards","start":1051.175,"end":1051.655,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.28681480884552},{"word":"the","start":1051.655,"end":1051.8151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3114434778690338},{"word":"low","start":1051.8151,"end":1052.055,"confidence":0.9951172,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.2233397364616394},{"word":"fees","start":1052.055,"end":1052.535,"confidence":0.96435547,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.20678478479385376},{"word":"just","start":1052.535,"end":1052.775,"confidence":0.97265625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07778545469045639},{"word":"because","start":1052.775,"end":1053.275,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.055753499269485474},{"word":"yeah","start":1053.8151,"end":1054.215,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1214049756526947},{"word":"i","start":1054.215,"end":1054.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0906716138124466},{"word":"feel","start":1054.295,"end":1054.615,"confidence":0.9951172,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.17031387984752655},{"word":"like","start":1054.615,"end":1054.775,"confidence":0.9819336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13547952473163605},{"word":"i","start":1054.775,"end":1055.275,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18014658987522125},{"word":"am","start":1056.215,"end":1056.455,"confidence":0.9819336,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.16938546299934387},{"word":"very","start":1056.455,"end":1056.6951,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2675064206123352},{"word":"much","start":1056.6951,"end":1056.935,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.29448187351226807},{"word":"in","start":1056.935,"end":1057.095,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2290690541267395},{"word":"the","start":1057.095,"end":1057.175,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2834292948246002},{"word":"beginning","start":1057.175,"end":1057.575,"confidence":1.0,"punctuated_word":"beginning","sentiment":"neutral","sentiment_score":0.2179546654224396},{"word":"phase","start":1057.575,"end":1057.895,"confidence":0.99316406,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.31099507212638855},{"word":"of","start":1057.895,"end":1058.135,"confidence":0.9926758,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.19855615496635437},{"word":"like","start":1058.135,"end":1058.455,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1242637187242508},{"word":"kind","start":1058.455,"end":1058.615,"confidence":0.96240234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19181187450885773},{"word":"of","start":1058.615,"end":1058.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2027750015258789},{"word":"trying","start":1058.775,"end":1059.015,"confidence":0.9819336,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.1846824437379837},{"word":"to","start":1059.015,"end":1059.175,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15283256769180298},{"word":"understand","start":1059.175,"end":1059.575,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.1794213056564331},{"word":"it","start":1059.575,"end":1059.8151,"confidence":0.6464844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21255770325660703},{"word":"all","start":1059.8151,"end":1060.3151,"confidence":0.41906738,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.1983274668455124},{"word":"and","start":1060.935,"end":1061.095,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1930033266544342},{"word":"that","start":1061.095,"end":1061.335,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2823346257209778},{"word":"just","start":1061.335,"end":1061.575,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2431061863899231},{"word":"felt","start":1061.575,"end":1061.895,"confidence":0.9941406,"punctuated_word":"felt","sentiment":"neutral","sentiment_score":0.26980698108673096},{"word":"a","start":1061.895,"end":1061.975,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31535327434539795},{"word":"little","start":1061.975,"end":1062.135,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2622981667518616},{"word":"bit","start":1062.135,"end":1062.635,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.256555438041687},{"word":"lower","start":1063.015,"end":1063.335,"confidence":0.97509766,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.27126622200012207},{"word":"stakes","start":1063.335,"end":1063.74,"confidence":0.98095703,"punctuated_word":"stakes","sentiment":"neutral","sentiment_score":0.3164612650871277},{"word":"for","start":1063.74,"end":1063.98,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2606060802936554},{"word":"me","start":1063.98,"end":1064.22,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2495982050895691},{"word":"in","start":1064.22,"end":1064.38,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2987217605113983},{"word":"terms","start":1064.38,"end":1064.62,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.3245636820793152},{"word":"of","start":1064.62,"end":1064.78,"confidence":0.97631836,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.2902196943759918},{"word":"like","start":1064.78,"end":1065.02,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.25941887497901917},{"word":"just","start":1065.02,"end":1065.26,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.365074098110199},{"word":"investing","start":1065.26,"end":1065.66,"confidence":0.9980469,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.17377585172653198},{"word":"a","start":1065.66,"end":1065.74,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3372690677642822},{"word":"little","start":1065.74,"end":1065.98,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.32879704236984253},{"word":"bit","start":1065.98,"end":1066.48,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3259528577327728},{"word":"with","start":1066.54,"end":1066.7,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3182986080646515},{"word":"the","start":1066.7,"end":1066.86,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3681812286376953},{"word":"low","start":1066.86,"end":1067.02,"confidence":0.9873047,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.26738953590393066},{"word":"fees","start":1067.02,"end":1067.42,"confidence":0.9741211,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.25555306673049927},{"word":"to","start":1067.42,"end":1067.58,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2904953360557556},{"word":"start","start":1067.58,"end":1067.74,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.3127118647098541},{"word":"off","start":1067.74,"end":1067.9,"confidence":0.9951172,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.2613731622695923},{"word":"with","start":1067.9,"end":1068.4,"confidence":1.0,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.23260097205638883},{"word":"mhmm","start":1079.1799,"end":1079.625,"confidence":0.86761475,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2386665642261505},{"word":"yep","start":1083.785,"end":1084.285,"confidence":0.8137207,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22261053323745728},{"word":"yep","start":1085.705,"end":1086.205,"confidence":0.75439453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1906059980392456},{"word":"mhmm","start":1090.425,"end":1090.925,"confidence":0.9975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09702146053314208},{"word":"yeah","start":1094.0,"end":1094.5,"confidence":0.8066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0988517701625824},{"word":"yeah","start":1095.6799,"end":1096.0,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08602449297904968},{"word":"okay","start":1096.0,"end":1096.5,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06648489087820053},{"word":"sorry","start":1111.775,"end":1112.275,"confidence":0.87158203,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08720593899488449},{"word":"whether","start":1112.335,"end":1112.575,"confidence":0.42211914,"punctuated_word":"Whether","sentiment":"neutral","sentiment_score":-0.07041572779417038},{"word":"to","start":1112.575,"end":1112.735,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06561975181102753},{"word":"switch","start":1112.735,"end":1112.975,"confidence":0.9980469,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.05572379380464554},{"word":"it","start":1112.975,"end":1113.0549,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09078080952167512},{"word":"out","start":1113.0549,"end":1113.135,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.093594029545784},{"word":"now","start":1113.135,"end":1113.455,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.12077216058969498},{"word":"or","start":1113.455,"end":1113.615,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08142342418432236},{"word":"leave","start":1113.615,"end":1113.855,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.06573604792356491},{"word":"it","start":1113.855,"end":1114.355,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08437351882457733},{"word":"to","start":1114.815,"end":1115.315,"confidence":0.9404297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11479786038398744},{"word":"receive","start":1115.5349,"end":1116.015,"confidence":0.93359375,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.12273303419351578},{"word":"the","start":1116.015,"end":1116.1749,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10369748622179031},{"word":"changes","start":1116.1749,"end":1116.6749,"confidence":0.7910156,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":-0.07950834929943085},{"word":"sorry","start":1117.2949,"end":1117.5349,"confidence":0.73669434,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.030093589797616005},{"word":"is","start":1117.5349,"end":1117.615,"confidence":0.9707031,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0036200284957885742},{"word":"that","start":1117.615,"end":1117.775,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014821840450167656},{"word":"what","start":1117.775,"end":1117.855,"confidence":0.9350586,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.028298847377300262},{"word":"you're","start":1117.855,"end":1118.015,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03239525109529495},{"word":"asking","start":1118.015,"end":1118.495,"confidence":1.0,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.019162751734256744},{"word":"me","start":1118.495,"end":1118.815,"confidence":0.8852539,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.03567856550216675},{"word":"sorry","start":1118.815,"end":1119.315,"confidence":0.9980469,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.053406473249197006},{"word":"i've","start":1119.8201,"end":1120.06,"confidence":0.9375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02013107948005199},{"word":"spent","start":1120.06,"end":1120.56,"confidence":0.99121094,"punctuated_word":"spent","sentiment":"neutral","sentiment_score":0.0109490305185318},{"word":"i'm","start":1120.86,"end":1121.02,"confidence":0.9802246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.011912274174392223},{"word":"in","start":1121.02,"end":1121.18,"confidence":0.41186523,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02416934072971344},{"word":"kindergarten","start":1121.18,"end":1121.68,"confidence":0.39208984,"punctuated_word":"kindergarten","sentiment":"neutral","sentiment_score":0.005788363516330719},{"word":"teacher","start":1121.8201,"end":1122.3201,"confidence":0.604126,"punctuated_word":"teacher.","sentiment":"neutral","sentiment_score":-0.013923700898885729},{"word":"i","start":1123.98,"end":1124.06,"confidence":0.98095703,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3729723989963531},{"word":"it's","start":1124.3,"end":1124.54,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3197263777256012},{"word":"been","start":1124.54,"end":1124.78,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2776843309402466},{"word":"a","start":1124.78,"end":1124.86,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2658042311668396},{"word":"long","start":1124.86,"end":1125.1,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.2590532898902893},{"word":"day","start":1125.1,"end":1125.6,"confidence":1.0,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.20169423520565033},{"word":"yeah","start":1127.18,"end":1127.5,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05184251442551613},{"word":"okay","start":1127.5,"end":1128.0,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0342247374355793},{"word":"i'm","start":1129.66,"end":1129.98,"confidence":0.9824219,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3573884665966034},{"word":"i'm","start":1129.98,"end":1130.14,"confidence":0.98583984,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4907918870449066},{"word":"happy","start":1130.14,"end":1130.38,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5713046789169312},{"word":"to","start":1130.38,"end":1130.54,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.603471577167511},{"word":"go","start":1130.54,"end":1130.7001,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6754054427146912},{"word":"with","start":1130.7001,"end":1130.9401,"confidence":0.9267578,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.5672236680984497},{"word":"like","start":1130.9401,"end":1131.18,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.5723797082901001},{"word":"what","start":1131.18,"end":1131.3401,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.7380314469337463},{"word":"you're","start":1131.3401,"end":1131.765,"confidence":0.8336589,"punctuated_word":"you're,","sentiment":"positive","sentiment_score":0.4560295641422272},{"word":"like","start":1132.005,"end":1132.245,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.4100213646888733},{"word":"what","start":1132.245,"end":1132.3251,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6386792659759521},{"word":"you","start":1132.3251,"end":1132.5651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3326583802700043},{"word":"would","start":1132.5651,"end":1132.805,"confidence":0.9980469,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3993401527404785},{"word":"advise","start":1132.805,"end":1133.205,"confidence":0.9057617,"punctuated_word":"advise,","sentiment":"positive","sentiment_score":0.363798588514328},{"word":"to","start":1133.205,"end":1133.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30923154950141907},{"word":"be","start":1133.365,"end":1133.4451,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2936613857746124},{"word":"honest","start":1133.4451,"end":1133.845,"confidence":0.99560547,"punctuated_word":"honest.","sentiment":"positive","sentiment_score":0.3802410662174225},{"word":"i","start":1133.845,"end":1134.345,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09357036650180817},{"word":"with","start":1135.125,"end":1135.365,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14813460409641266},{"word":"my","start":1135.365,"end":1135.605,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08997292816638947},{"word":"super","start":1135.605,"end":1136.005,"confidence":0.84277344,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.13711810111999512},{"word":"i'm","start":1136.005,"end":1136.245,"confidence":0.97143555,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.25085556507110596},{"word":"very","start":1136.245,"end":1136.5651,"confidence":0.99902344,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.3473958373069763},{"word":"much","start":1136.5651,"end":1136.885,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.30545487999916077},{"word":"kind","start":1136.885,"end":1137.045,"confidence":0.9604492,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3580402731895447},{"word":"of","start":1137.045,"end":1137.545,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.33360764384269714},{"word":"got","start":1139.685,"end":1139.925,"confidence":0.82910156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.3198598325252533},{"word":"the","start":1139.925,"end":1140.005,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2893272042274475},{"word":"mindset","start":1140.005,"end":1140.485,"confidence":0.9970703,"punctuated_word":"mindset","sentiment":"neutral","sentiment_score":-0.28909724950790405},{"word":"that","start":1140.485,"end":1140.645,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3031591773033142},{"word":"i'm","start":1140.645,"end":1140.805,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3771946132183075},{"word":"not","start":1140.805,"end":1140.965,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3528006672859192},{"word":"accessing","start":1140.965,"end":1141.4451,"confidence":1.0,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":-0.321199893951416},{"word":"it","start":1141.4451,"end":1141.525,"confidence":0.7607422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24046024680137632},{"word":"anytime","start":1141.525,"end":1142.005,"confidence":0.75097656,"punctuated_word":"anytime","sentiment":"negative","sentiment_score":-0.3864095807075501},{"word":"soon","start":1142.005,"end":1142.505,"confidence":0.8840332,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":-0.32353854179382324},{"word":"so","start":1142.5651,"end":1143.0651,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07750558853149414},{"word":"i'm","start":1143.525,"end":1143.925,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07880593836307526},{"word":"i'm","start":1143.925,"end":1144.085,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04228232428431511},{"word":"not","start":1144.085,"end":1144.405,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.002146303653717041},{"word":"super","start":1144.405,"end":1144.905,"confidence":1.0,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.11288465559482574},{"word":"concerned","start":1145.4451,"end":1145.9451,"confidence":0.9980469,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.22027328610420227},{"word":"if","start":1146.52,"end":1146.6,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12996965646743774},{"word":"things","start":1146.6,"end":1147.08,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.2343798577785492},{"word":"are","start":1147.08,"end":1147.32,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.18810030817985535},{"word":"not","start":1147.32,"end":1147.82,"confidence":0.99560547,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.17480024695396423},{"word":"you","start":1148.04,"end":1148.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19754719734191897},{"word":"know","start":1148.28,"end":1148.78,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.14586034417152405},{"word":"doing","start":1149.88,"end":1150.2,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1426013857126236},{"word":"super","start":1150.2,"end":1150.52,"confidence":1.0,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.06885907053947449},{"word":"well","start":1150.52,"end":1151.02,"confidence":0.88500977,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.07966678589582443},{"word":"like","start":1151.72,"end":1152.04,"confidence":0.8769531,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.058766476809978485},{"word":"some","start":1152.04,"end":1152.28,"confidence":0.6660156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1012878566980362},{"word":"of","start":1152.28,"end":1152.36,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09212031960487366},{"word":"it's","start":1152.36,"end":1152.6,"confidence":0.8400879,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.19516953825950625},{"word":"not","start":1152.6,"end":1152.76,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3116433620452881},{"word":"doing","start":1152.76,"end":1152.92,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.2616562247276306},{"word":"super","start":1152.92,"end":1153.16,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2863325774669647},{"word":"well","start":1153.16,"end":1153.4,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.2552328109741211},{"word":"at","start":1153.4,"end":1153.48,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.33007723093032837},{"word":"the","start":1153.48,"end":1153.64,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21127046644687653},{"word":"moment","start":1153.64,"end":1153.96,"confidence":0.7426758,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.18332089483737943},{"word":"if","start":1153.96,"end":1154.46,"confidence":0.94921875,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0465235710144043},{"word":"it's","start":1154.84,"end":1155.08,"confidence":0.9123535,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09575819969177246},{"word":"something","start":1155.08,"end":1155.4,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.15396805107593536},{"word":"to","start":1155.4,"end":1155.48,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15193229913711548},{"word":"wait","start":1155.48,"end":1155.8,"confidence":0.94628906,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.1818258166313171},{"word":"out","start":1155.8,"end":1156.04,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1907104849815369},{"word":"or","start":1156.04,"end":1156.28,"confidence":0.89453125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14403843879699707},{"word":"if","start":1156.28,"end":1156.36,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13845595717430115},{"word":"it's","start":1156.36,"end":1156.6,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13432466983795166},{"word":"just","start":1156.6,"end":1156.84,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.044654928147792816},{"word":"like","start":1156.84,"end":1157.08,"confidence":0.58496094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05695555359125137},{"word":"yeah","start":1157.24,"end":1157.48,"confidence":0.9472656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03084898367524147},{"word":"i'm","start":1157.48,"end":1157.64,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.42773497104644775},{"word":"happy","start":1157.64,"end":1157.96,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5315349698066711},{"word":"to","start":1157.96,"end":1158.04,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5261578559875488},{"word":"go","start":1158.04,"end":1158.12,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5174202919006348},{"word":"with","start":1158.12,"end":1158.28,"confidence":0.9482422,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5780321359634399},{"word":"what","start":1158.28,"end":1158.36,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6754770278930664},{"word":"you","start":1158.36,"end":1158.52,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5312809944152832},{"word":"advise","start":1158.52,"end":1158.92,"confidence":0.5288086,"punctuated_word":"advise","sentiment":"positive","sentiment_score":0.5203236937522888},{"word":"in","start":1158.92,"end":1159.08,"confidence":0.98828125,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4919074773788452},{"word":"terms","start":1159.08,"end":1159.4,"confidence":1.0,"punctuated_word":"terms","sentiment":"positive","sentiment_score":0.3557734787464142},{"word":"of","start":1159.4,"end":1159.515,"confidence":0.9892578,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4503979086875915},{"word":"if","start":1159.835,"end":1159.995,"confidence":0.65722656,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4139295816421509},{"word":"there","start":1159.995,"end":1160.155,"confidence":0.94189453,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.27257239818573},{"word":"are","start":1160.155,"end":1160.235,"confidence":0.98291016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2458360642194748},{"word":"better","start":1160.235,"end":1160.555,"confidence":0.9819336,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.16007502377033234},{"word":"options","start":1160.555,"end":1161.055,"confidence":0.8078613,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.20526954531669617},{"word":"i'm","start":1161.355,"end":1161.435,"confidence":0.9658203,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5311919450759888},{"word":"happy","start":1161.435,"end":1161.755,"confidence":0.99609375,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.49142125248909},{"word":"to","start":1161.755,"end":1161.835,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4340977370738983},{"word":"switch","start":1161.835,"end":1162.155,"confidence":0.9482422,"punctuated_word":"switch.","sentiment":"positive","sentiment_score":0.3366013467311859},{"word":"but","start":1162.155,"end":1162.395,"confidence":0.99902344,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.3396669626235962},{"word":"if","start":1162.395,"end":1162.555,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.28869491815567017},{"word":"it's","start":1162.555,"end":1162.635,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17502813041210177},{"word":"just","start":1162.635,"end":1162.875,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10959668457508089},{"word":"something","start":1162.875,"end":1163.115,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10802391171455385},{"word":"that","start":1163.115,"end":1163.355,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0916253626346588},{"word":"we","start":1163.355,"end":1163.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07654042541980743},{"word":"weighed","start":1163.515,"end":1163.755,"confidence":0.43725586,"punctuated_word":"weighed","sentiment":"neutral","sentiment_score":0.11330723762512208},{"word":"out","start":1163.755,"end":1163.995,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05194824934005737},{"word":"and","start":1163.995,"end":1164.495,"confidence":0.921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09690935909748076},{"word":"it's","start":1165.595,"end":1165.675,"confidence":0.9719238,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20249712467193604},{"word":"not","start":1165.675,"end":1165.915,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2198612093925476},{"word":"a","start":1165.915,"end":1165.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2515016794204712},{"word":"big","start":1165.995,"end":1166.155,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.19524027407169345},{"word":"deal","start":1166.155,"end":1166.395,"confidence":0.9655762,"punctuated_word":"deal,","sentiment":"positive","sentiment_score":0.33674323558807373},{"word":"i'll","start":1166.395,"end":1166.555,"confidence":0.8088379,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4837071895599365},{"word":"make","start":1166.555,"end":1166.875,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4101230502128601},{"word":"it","start":1166.875,"end":1167.1951,"confidence":0.97509766,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3753189146518707},{"word":"just","start":1167.1951,"end":1167.435,"confidence":0.42529297,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4305107593536377},{"word":"stay","start":1167.435,"end":1167.675,"confidence":0.8408203,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.3338712751865387},{"word":"as","start":1167.675,"end":1167.835,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.40329238772392273},{"word":"well","start":1167.835,"end":1168.335,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2918790876865387},{"word":"yeah","start":1185.53,"end":1185.735,"confidence":0.8405762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23256786167621613},{"word":"yeah","start":1193.095,"end":1193.415,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015467539429664612},{"word":"yeah","start":1193.415,"end":1193.915,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03853500261902809},{"word":"yeah","start":1195.245,"end":1195.495,"confidence":0.9260254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01106972061097622},{"word":"yeah","start":1195.495,"end":1195.995,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03625606745481491},{"word":"yeah","start":1201.095,"end":1201.595,"confidence":0.9494629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1732063889503479},{"word":"sure","start":1207.97,"end":1208.4501,"confidence":0.98706055,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.26825276017189026},{"word":"sure","start":1208.4501,"end":1208.9501,"confidence":0.99658203,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.2411413341760635},{"word":"right","start":1212.37,"end":1212.87,"confidence":0.9526367,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0825585350394249},{"word":"yep","start":1222.625,"end":1223.125,"confidence":0.76464844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01610414683818817},{"word":"yeah","start":1226.305,"end":1226.625,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012025071308016775},{"word":"we've","start":1226.625,"end":1226.865,"confidence":0.986084,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.00964539498090744},{"word":"got","start":1226.865,"end":1227.185,"confidence":0.96240234,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.029452111572027206},{"word":"an","start":1227.185,"end":1227.39,"confidence":0.8964844,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0336177721619606},{"word":"offset","start":1227.39,"end":1227.71,"confidence":0.98535156,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.04890938103199005},{"word":"at","start":1227.71,"end":1227.79,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08376738429069519},{"word":"the","start":1227.79,"end":1227.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07563278079032898},{"word":"moment","start":1227.87,"end":1228.37,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.044350359588861465},{"word":"yeah","start":1229.9501,"end":1230.27,"confidence":0.9411621,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.031846921890974045},{"word":"honestly","start":1230.27,"end":1230.67,"confidence":0.93359375,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.1318650096654892},{"word":"to","start":1230.67,"end":1230.83,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13942134380340576},{"word":"be","start":1230.83,"end":1230.91,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14569860696792605},{"word":"honest","start":1230.91,"end":1231.15,"confidence":0.99316406,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.1740274727344513},{"word":"i","start":1231.15,"end":1231.23,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24880802631378177},{"word":"probably","start":1231.23,"end":1231.63,"confidence":0.8984375,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.3367919325828552},{"word":"need","start":1231.63,"end":1231.79,"confidence":0.9580078,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.3076573610305786},{"word":"to","start":1231.79,"end":1231.87,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31781989336013794},{"word":"get","start":1231.87,"end":1232.11,"confidence":0.99609375,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.3363419771194458},{"word":"a","start":1232.11,"end":1232.1901,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24065881967544556},{"word":"bit","start":1232.1901,"end":1232.27,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.240109384059906},{"word":"better","start":1232.27,"end":1232.59,"confidence":0.9980469,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.2752230763435364},{"word":"with","start":1232.59,"end":1232.75,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.27997586131095886},{"word":"saving","start":1232.75,"end":1233.15,"confidence":0.9980469,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.1129273772239685},{"word":"and","start":1233.15,"end":1233.23,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09023833274841309},{"word":"making","start":1233.23,"end":1233.55,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.09619878977537157},{"word":"sure","start":1233.55,"end":1233.79,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.06320789456367493},{"word":"more","start":1233.79,"end":1234.03,"confidence":0.8984375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.014481425285339355},{"word":"more","start":1234.03,"end":1234.1901,"confidence":0.97998047,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.017300784587860107},{"word":"goes","start":1234.1901,"end":1234.51,"confidence":0.9838867,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.04405300319194794},{"word":"in","start":1234.51,"end":1234.67,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05254572629928589},{"word":"there","start":1234.67,"end":1235.17,"confidence":0.98535156,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.044178932905197144},{"word":"but","start":1237.55,"end":1237.79,"confidence":0.7861328,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.00225241482257843},{"word":"yeah","start":1237.79,"end":1238.29,"confidence":0.9941406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.010694412514567375},{"word":"it","start":1238.51,"end":1238.75,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.051016420125961304},{"word":"will","start":1238.75,"end":1238.99,"confidence":0.85546875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.014747686684131622},{"word":"typically","start":1239.31,"end":1239.79,"confidence":0.96533203,"punctuated_word":"typically,","sentiment":"neutral","sentiment_score":-0.012530721724033356},{"word":"we'll","start":1239.79,"end":1239.9501,"confidence":0.85253906,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.03616314381361008},{"word":"go","start":1239.9501,"end":1240.11,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05365333333611488},{"word":"into","start":1240.11,"end":1240.35,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.034155603498220444},{"word":"the","start":1240.35,"end":1240.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047032248228788376},{"word":"offset","start":1240.51,"end":1241.01,"confidence":1.0,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.0027113258838653564},{"word":"or","start":1241.0701,"end":1241.47,"confidence":0.8781738,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.017393911257386208},{"word":"yeah","start":1241.47,"end":1241.97,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.031226618215441704},{"word":"just","start":1242.03,"end":1242.27,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023465752601623535},{"word":"kind","start":1242.27,"end":1242.51,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.024073448032140732},{"word":"of","start":1242.51,"end":1242.705,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06439515203237534},{"word":"everyday","start":1243.345,"end":1243.845,"confidence":0.9580078,"punctuated_word":"everyday","sentiment":"neutral","sentiment_score":0.026059400290250775},{"word":"spending","start":1243.9049,"end":1244.2649,"confidence":0.95581055,"punctuated_word":"spending.","sentiment":"neutral","sentiment_score":0.06912257522344589},{"word":"i","start":1244.2649,"end":1244.625,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0904303938150406},{"word":"i","start":1244.625,"end":1244.705,"confidence":0.95166016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10512933135032654},{"word":"do","start":1244.705,"end":1244.945,"confidence":0.5576172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.103404700756073},{"word":"it","start":1244.945,"end":1245.0249,"confidence":0.77441406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12079352140426636},{"word":"like","start":1245.0249,"end":1245.265,"confidence":0.40893555,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0812515914440155},{"word":"i","start":1245.265,"end":1245.345,"confidence":0.57714844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09435292333364488},{"word":"have","start":1245.345,"end":1245.505,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10426704585552216},{"word":"an","start":1245.505,"end":1245.585,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08902549743652344},{"word":"emergency","start":1245.585,"end":1246.085,"confidence":0.9980469,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.05025005713105202},{"word":"fund","start":1246.1449,"end":1246.6449,"confidence":0.8869629,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.06173968315124512},{"word":"which","start":1246.7849,"end":1247.0249,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05403735488653183},{"word":"i've","start":1247.0249,"end":1247.1849,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05985515937209129},{"word":"got","start":1247.1849,"end":1247.345,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.030337274074554443},{"word":"in","start":1247.345,"end":1247.505,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07400846481323242},{"word":"a","start":1247.505,"end":1247.585,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07860817015171051},{"word":"high","start":1247.585,"end":1247.825,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.04334278404712677},{"word":"interest","start":1247.825,"end":1248.325,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.07509978860616684},{"word":"savings","start":1248.945,"end":1249.445,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05799584835767746},{"word":"account","start":1249.505,"end":1250.005,"confidence":0.9802246,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.04851914197206497},{"word":"which","start":1251.4249,"end":1251.6649,"confidence":0.8120117,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.050988636910915375},{"word":"i","start":1251.6649,"end":1251.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05807557702064514},{"word":"should","start":1251.745,"end":1251.9049,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1020054891705513},{"word":"probably","start":1251.9049,"end":1252.3049,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05467185378074646},{"word":"move","start":1252.3049,"end":1252.465,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.09954136610031128},{"word":"over","start":1252.465,"end":1252.625,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1273684799671173},{"word":"into","start":1252.625,"end":1252.865,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.058911580592393875},{"word":"the","start":1252.865,"end":1253.0249,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06119992583990097},{"word":"offset","start":1253.0249,"end":1253.345,"confidence":0.94140625,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":0.02048441953957081},{"word":"but","start":1253.345,"end":1253.505,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.007803753018379211},{"word":"i","start":1253.505,"end":1253.585,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08827528357505798},{"word":"just","start":1253.585,"end":1253.745,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0865664929151535},{"word":"haven't","start":1253.745,"end":1254.245,"confidence":0.9941406,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.0909317433834076},{"word":"it's","start":1254.705,"end":1254.945,"confidence":0.84716797,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08591733872890472},{"word":"i've","start":1255.0249,"end":1255.1849,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08023688197135925},{"word":"had","start":1255.1849,"end":1255.345,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08468832075595856},{"word":"it","start":1255.345,"end":1255.505,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0659121572971344},{"word":"there","start":1255.505,"end":1255.6649,"confidence":0.984375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08080936968326569},{"word":"for","start":1255.6649,"end":1255.825,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08671289682388306},{"word":"ages","start":1255.825,"end":1256.325,"confidence":0.9523926,"punctuated_word":"ages.","sentiment":"neutral","sentiment_score":-0.05628078803420067},{"word":"and","start":1257.39,"end":1257.89,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04683399572968483},{"word":"then","start":1259.15,"end":1259.2301,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.040912188589572906},{"word":"i","start":1259.2301,"end":1259.4701,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.056028738617897034},{"word":"usually","start":1259.4701,"end":1259.79,"confidence":0.99609375,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.0581115186214447},{"word":"just","start":1259.79,"end":1259.9501,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03684956952929497},{"word":"kind","start":1259.9501,"end":1260.1901,"confidence":0.9038086,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0498712994158268},{"word":"of","start":1260.1901,"end":1260.43,"confidence":0.89941406,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.05072495341300965},{"word":"yeah","start":1260.43,"end":1260.91,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0827576145529747},{"word":"have","start":1260.91,"end":1261.0701,"confidence":0.9819336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08893400430679321},{"word":"an","start":1261.0701,"end":1261.2301,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0650888979434967},{"word":"account","start":1261.2301,"end":1261.4701,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0851297378540039},{"word":"that","start":1261.4701,"end":1261.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12856721878051758},{"word":"i","start":1261.63,"end":1261.7101,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11515626311302184},{"word":"use","start":1261.7101,"end":1261.9501,"confidence":0.9526367,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.12690119445323944},{"word":"for","start":1261.9501,"end":1262.1101,"confidence":0.9824219,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.1188131645321846},{"word":"like","start":1262.1101,"end":1262.27,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16301769018173218},{"word":"spending","start":1262.27,"end":1262.5901,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":0.1629070341587067},{"word":"money","start":1262.5901,"end":1263.0701,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.16304945945739746},{"word":"on","start":1263.0701,"end":1263.2301,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16681671142578125},{"word":"top","start":1263.2301,"end":1263.4701,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.10157417505979538},{"word":"of","start":1263.4701,"end":1263.55,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1607900857925415},{"word":"that","start":1263.55,"end":1263.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12262571603059769},{"word":"as","start":1263.79,"end":1263.9501,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12086179852485655},{"word":"well","start":1263.9501,"end":1264.4501,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0991060435771942},{"word":"i've","start":1268.865,"end":1269.025,"confidence":0.8901367,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01293758489191532},{"word":"got","start":1269.025,"end":1269.1849,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.001247163861989975},{"word":"a","start":1269.1849,"end":1269.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009711112827062609},{"word":"couple","start":1269.265,"end":1269.585,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0028367452323436737},{"word":"of","start":1269.585,"end":1269.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011476587504148483},{"word":"different","start":1269.665,"end":1269.985,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.01202399842441082},{"word":"ones","start":1269.985,"end":1270.3049,"confidence":0.9851074,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":0.026616618037223816},{"word":"so","start":1270.3049,"end":1270.465,"confidence":0.58447266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03703943639993667},{"word":"i've","start":1270.465,"end":1270.625,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.040484651923179626},{"word":"got","start":1270.625,"end":1271.025,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04041968286037445},{"word":"an","start":1271.025,"end":1271.265,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04400116950273514},{"word":"ing","start":1271.265,"end":1271.765,"confidence":0.8886719,"punctuated_word":"ING,","sentiment":"neutral","sentiment_score":0.035746391862630844},{"word":"a","start":1272.225,"end":1272.625,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.039238594472408295},{"word":"ubank","start":1272.625,"end":1273.125,"confidence":0.8517253,"punctuated_word":"UBank,","sentiment":"neutral","sentiment_score":0.034290000796318054},{"word":"and","start":1273.505,"end":1274.005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03758172690868378},{"word":"a","start":1275.025,"end":1275.105,"confidence":0.8642578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05087287724018097},{"word":"com","start":1275.105,"end":1275.345,"confidence":0.53125,"punctuated_word":"com","sentiment":"neutral","sentiment_score":0.03727391734719277},{"word":"combank","start":1275.505,"end":1275.985,"confidence":0.6689453,"punctuated_word":"ComBank","sentiment":"neutral","sentiment_score":0.03811737895011902},{"word":"as","start":1275.985,"end":1276.145,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06336924433708191},{"word":"well","start":1276.145,"end":1276.625,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04816441982984543},{"word":"so","start":1276.625,"end":1276.865,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02329789660871029},{"word":"i've","start":1276.865,"end":1277.025,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.023052271455526352},{"word":"been","start":1277.025,"end":1277.1849,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04878951609134674},{"word":"kind","start":1277.1849,"end":1277.425,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05043269321322441},{"word":"of","start":1277.425,"end":1277.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05656550079584122},{"word":"using","start":1277.505,"end":1277.905,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.07218308746814728},{"word":"my","start":1277.905,"end":1278.405,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2338479608297348},{"word":"ubank","start":1278.545,"end":1279.045,"confidence":0.9111328,"punctuated_word":"UBank","sentiment":"neutral","sentiment_score":0.14931437373161316},{"word":"for","start":1279.105,"end":1279.605,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15872430801391602},{"word":"i","start":1280.3049,"end":1280.465,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27113035321235657},{"word":"like","start":1280.465,"end":1280.705,"confidence":0.9902344,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4463970363140106},{"word":"with","start":1280.705,"end":1280.865,"confidence":0.91845703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3946402966976166},{"word":"ubank","start":1280.865,"end":1281.1849,"confidence":0.8180339,"punctuated_word":"UBank.","sentiment":"neutral","sentiment_score":0.233626589179039},{"word":"they've","start":1281.1849,"end":1281.425,"confidence":0.9975586,"punctuated_word":"They've","sentiment":"positive","sentiment_score":0.4212493598461151},{"word":"got","start":1281.425,"end":1281.585,"confidence":0.95703125,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.29259926080703735},{"word":"like","start":1281.585,"end":1281.745,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27811187505722046},{"word":"a","start":1281.745,"end":1281.825,"confidence":0.7055664,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4034755229949951},{"word":"little","start":1281.825,"end":1282.065,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.21072673797607425},{"word":"savings","start":1282.065,"end":1282.465,"confidence":0.99609375,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2472442388534546},{"word":"target","start":1282.465,"end":1282.785,"confidence":0.67163086,"punctuated_word":"target,","sentiment":"neutral","sentiment_score":0.28961098194122314},{"word":"so","start":1282.785,"end":1282.945,"confidence":0.67626953,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14549674093723297},{"word":"i","start":1282.945,"end":1283.025,"confidence":0.6147461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2284865379333496},{"word":"feel","start":1283.025,"end":1283.265,"confidence":0.89990234,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.263826847076416},{"word":"like","start":1283.265,"end":1283.345,"confidence":0.91259766,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23118838667869568},{"word":"the","start":1283.345,"end":1283.7,"confidence":0.76171875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2233959287405014},{"word":"interest","start":1285.7,"end":1285.9133,"confidence":0.97509766,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.33730030059814453},{"word":"is","start":1285.9133,"end":1286.1266,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20264992117881775},{"word":"really","start":1286.1266,"end":1286.34,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6273225545883179},{"word":"good","start":1286.34,"end":1286.5533,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.598497211933136},{"word":"with","start":1286.5533,"end":1286.7666,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6215201020240784},{"word":"ubank","start":1286.7666,"end":1286.98,"confidence":0.9897461,"punctuated_word":"UBank.","sentiment":"positive","sentiment_score":0.44169747829437256},{"word":"so","start":1286.98,"end":1287.22,"confidence":0.91845703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2742992043495178},{"word":"i","start":1287.22,"end":1287.46,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28439104557037354},{"word":"kind","start":1287.46,"end":1287.7,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21930159628391263},{"word":"of","start":1287.7,"end":1287.7799,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2517581582069397},{"word":"use","start":1287.7799,"end":1288.1,"confidence":0.98828125,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.2792046368122101},{"word":"ubank","start":1288.1,"end":1288.5,"confidence":0.99658203,"punctuated_word":"UBank","sentiment":"neutral","sentiment_score":0.1835693717002869},{"word":"as","start":1288.5,"end":1288.6599,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25067004561424255},{"word":"my","start":1288.6599,"end":1288.8999,"confidence":0.99658203,"punctuated_word":"my,","sentiment":"neutral","sentiment_score":0.2067786306142807},{"word":"like","start":1288.8999,"end":1289.1399,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.26048392057418823},{"word":"everyday","start":1289.1399,"end":1289.6399,"confidence":0.9707031,"punctuated_word":"everyday","sentiment":"neutral","sentiment_score":0.2339012026786804},{"word":"stuff","start":1289.7,"end":1290.0199,"confidence":0.8959961,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":0.2739241421222687},{"word":"but","start":1290.0199,"end":1290.26,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20384222269058228},{"word":"then","start":1290.26,"end":1290.6599,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.23142407834529877},{"word":"combank","start":1290.6599,"end":1291.1399,"confidence":0.76464844,"punctuated_word":"ComBank","sentiment":"neutral","sentiment_score":0.16175580024719238},{"word":"is","start":1291.1399,"end":1291.2999,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21158438920974731},{"word":"more","start":1291.2999,"end":1291.62,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1284169852733612},{"word":"stuff","start":1291.62,"end":1291.86,"confidence":0.9873047,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.16560284793376925},{"word":"that","start":1291.86,"end":1292.0199,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20257577300071716},{"word":"we","start":1292.0199,"end":1292.1,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19745118916034696},{"word":"use","start":1292.1,"end":1292.34,"confidence":0.9902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.24158068001270297},{"word":"as","start":1292.34,"end":1292.46,"confidence":0.9448242,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1754579246044159},{"word":"a","start":1292.46,"end":1292.58,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2981542944908142},{"word":"couple","start":1292.58,"end":1293.08,"confidence":0.98339844,"punctuated_word":"couple.","sentiment":"neutral","sentiment_score":0.25461727380752563},{"word":"and","start":1295.38,"end":1295.62,"confidence":0.8088379,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.033063411712646484},{"word":"yeah","start":1295.62,"end":1295.7799,"confidence":0.97436523,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.018643926829099655},{"word":"i","start":1295.7799,"end":1295.94,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0002406388521194458},{"word":"i","start":1295.94,"end":1296.0199,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027130618691444397},{"word":"don't","start":1296.0199,"end":1296.1799,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06402565538883209},{"word":"know","start":1296.1799,"end":1296.2999,"confidence":0.9855957,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.0737922191619873},{"word":"i","start":1296.2999,"end":1296.4199,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10194439440965652},{"word":"guess","start":1296.4199,"end":1296.6599,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.03965435177087784},{"word":"i","start":1296.6599,"end":1296.8999,"confidence":0.7421875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16318705677986145},{"word":"like","start":1296.8999,"end":1297.2999,"confidence":0.99316406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.30947592854499817},{"word":"with","start":1297.2999,"end":1297.46,"confidence":0.62939453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2544955313205719},{"word":"ubank","start":1297.46,"end":1297.96,"confidence":0.97216797,"punctuated_word":"UBank.","sentiment":"neutral","sentiment_score":0.11065217107534409},{"word":"i've","start":1298.1,"end":1298.26,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13092514872550964},{"word":"got","start":1298.26,"end":1298.5,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06549638509750366},{"word":"kind","start":1298.5,"end":1298.6599,"confidence":0.51171875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04429996758699417},{"word":"of","start":1298.6599,"end":1298.82,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10213141143321992},{"word":"my","start":1298.82,"end":1298.98,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04098663479089737},{"word":"buckets","start":1298.98,"end":1299.405,"confidence":0.9921875,"punctuated_word":"buckets","sentiment":"neutral","sentiment_score":0.13073314726352692},{"word":"in","start":1299.9651,"end":1300.2051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04014676809310913},{"word":"there","start":1300.2051,"end":1300.525,"confidence":0.8937988,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.04854816198348999},{"word":"and","start":1300.525,"end":1300.765,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021429620683193207},{"word":"i","start":1300.765,"end":1300.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00553334504365921},{"word":"know","start":1300.925,"end":1301.0851,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0006537511944770813},{"word":"not","start":1301.0851,"end":1301.3251,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06912612169981003},{"word":"to","start":1301.3251,"end":1301.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09020379185676576},{"word":"touch","start":1301.405,"end":1301.645,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.09409575164318083},{"word":"it","start":1301.645,"end":1301.885,"confidence":0.79785156,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.050718411803245544},{"word":"whereas","start":1301.885,"end":1302.285,"confidence":0.9873047,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.079503133893013},{"word":"with","start":1302.285,"end":1302.525,"confidence":0.5908203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08592076599597931},{"word":"our","start":1302.525,"end":1302.845,"confidence":0.95410156,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.07725073397159576},{"word":"bank","start":1302.845,"end":1303.165,"confidence":0.97265625,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.053145065903663635},{"word":"stuff","start":1303.165,"end":1303.665,"confidence":0.9506836,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":-0.08198173344135284},{"word":"we've","start":1303.885,"end":1304.2051,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.03869296610355377},{"word":"got","start":1304.2051,"end":1304.285,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.06289699673652649},{"word":"the","start":1304.285,"end":1304.525,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00901782512664795},{"word":"offset","start":1304.525,"end":1304.845,"confidence":0.90112305,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":-0.02004062756896019},{"word":"but","start":1304.845,"end":1305.005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.037727028131484985},{"word":"then","start":1305.005,"end":1305.245,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.017308831214904785},{"word":"we","start":1305.245,"end":1305.405,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00502120703458786},{"word":"use","start":1305.405,"end":1305.725,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.06380756199359894},{"word":"it","start":1305.725,"end":1305.885,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07880041003227234},{"word":"for","start":1305.885,"end":1306.2051,"confidence":0.8310547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.008287206292152405},{"word":"if","start":1306.2051,"end":1306.365,"confidence":0.8330078,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.008565787225961685},{"word":"we've","start":1306.365,"end":1306.4451,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.022757258266210556},{"word":"got","start":1306.4451,"end":1306.845,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.004651598632335663},{"word":"bills","start":1306.845,"end":1307.165,"confidence":0.99902344,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.02738521993160248},{"word":"and","start":1307.165,"end":1307.405,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.059580348432064056},{"word":"things","start":1307.405,"end":1307.725,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.040439315140247345},{"word":"like","start":1307.725,"end":1307.805,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0569169819355011},{"word":"that","start":1307.805,"end":1308.045,"confidence":0.9555664,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0020298436284065247},{"word":"so","start":1308.045,"end":1308.2051,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018614478409290314},{"word":"i","start":1308.2051,"end":1308.285,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03330853581428528},{"word":"feel","start":1308.285,"end":1308.525,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.0008795857429504395},{"word":"like","start":1308.525,"end":1309.025,"confidence":0.9589844,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07059961557388306},{"word":"the","start":1309.3251,"end":1309.5651,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01722298562526703},{"word":"money","start":1309.5651,"end":1309.805,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.00770491361618042},{"word":"isn't","start":1309.805,"end":1310.125,"confidence":0.99853516,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.10175687074661256},{"word":"necessarily","start":1310.125,"end":1310.625,"confidence":0.99902344,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.2523801624774933},{"word":"not","start":1311.885,"end":1312.125,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06784246861934662},{"word":"being","start":1312.125,"end":1312.365,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.08148492872714996},{"word":"spent","start":1312.365,"end":1312.865,"confidence":0.99609375,"punctuated_word":"spent.","sentiment":"neutral","sentiment_score":-0.13041988015174866},{"word":"i","start":1313.13,"end":1313.29,"confidence":0.6870117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14292661845684052},{"word":"feel","start":1313.29,"end":1313.53,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.14771953225135803},{"word":"like","start":1313.53,"end":1313.6901,"confidence":0.9526367,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16429182887077332},{"word":"our","start":1313.6901,"end":1313.85,"confidence":0.9536133,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.17899364233016968},{"word":"offset","start":1313.85,"end":1314.17,"confidence":0.96972656,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.1823812574148178},{"word":"is","start":1314.17,"end":1314.33,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18033044040203097},{"word":"not","start":1314.33,"end":1314.41,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24085034430027008},{"word":"as","start":1314.41,"end":1314.5701,"confidence":0.7963867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1768788844347},{"word":"sacred","start":1314.5701,"end":1314.97,"confidence":0.99609375,"punctuated_word":"sacred","sentiment":"neutral","sentiment_score":-0.23811618983745575},{"word":"as","start":1314.97,"end":1315.13,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08620195090770721},{"word":"it","start":1315.13,"end":1315.21,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07114836573600769},{"word":"should","start":1315.21,"end":1315.4501,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.0017863214015960691},{"word":"be","start":1315.4501,"end":1315.9501,"confidence":0.9995117,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.057140931487083435},{"word":"yeah","start":1318.81,"end":1319.31,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002779873088002205},{"word":"yeah","start":1322.17,"end":1322.67,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0003515053540468216},{"word":"so","start":1322.81,"end":1323.05,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.027346953749656677},{"word":"we","start":1323.05,"end":1323.21,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.031582437455654144},{"word":"tried","start":1323.21,"end":1323.4501,"confidence":0.8095703,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.02685241401195526},{"word":"to","start":1323.4501,"end":1323.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03343161195516586},{"word":"kinda","start":1323.53,"end":1323.85,"confidence":0.63378906,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.025439046323299408},{"word":"set","start":1323.85,"end":1324.09,"confidence":0.9902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.04337015002965927},{"word":"up","start":1324.09,"end":1324.25,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04928968846797943},{"word":"a","start":1324.25,"end":1324.41,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049970343708992},{"word":"spending","start":1324.41,"end":1324.91,"confidence":1.0,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":0.08603525161743164},{"word":"account","start":1325.425,"end":1325.745,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0020588040351867676},{"word":"with","start":1325.745,"end":1325.905,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08271489292383194},{"word":"comsec","start":1325.905,"end":1326.385,"confidence":0.69311523,"punctuated_word":"Comsec","sentiment":"neutral","sentiment_score":0.029997702687978745},{"word":"so","start":1326.385,"end":1326.545,"confidence":0.85498047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01755281537771225},{"word":"that","start":1326.545,"end":1326.625,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007607653737068176},{"word":"we","start":1326.625,"end":1326.785,"confidence":0.98828125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.009028725326061249},{"word":"with","start":1326.9451,"end":1327.105,"confidence":0.98291016,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06727626919746399},{"word":"combank","start":1327.105,"end":1327.505,"confidence":0.69262695,"punctuated_word":"Combank","sentiment":"neutral","sentiment_score":0.031675130128860474},{"word":"so","start":1327.505,"end":1327.665,"confidence":0.8310547,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.00948835164308548},{"word":"that","start":1327.665,"end":1327.8251,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0049379318952560425},{"word":"we","start":1327.8251,"end":1327.985,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.040762536227703094},{"word":"would","start":1327.985,"end":1328.225,"confidence":0.8647461,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":-0.03620113059878349},{"word":"like","start":1328.225,"end":1328.465,"confidence":0.98535156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04249105975031853},{"word":"transferring","start":1328.465,"end":1328.9451,"confidence":0.875,"punctuated_word":"transferring","sentiment":"neutral","sentiment_score":0.010776370763778688},{"word":"an","start":1328.9451,"end":1329.105,"confidence":0.91015625,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.02798602730035782},{"word":"amount","start":1329.105,"end":1329.425,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.003877609968185425},{"word":"across","start":1329.425,"end":1329.925,"confidence":0.88793945,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":-0.016271643340587616},{"word":"but","start":1330.0651,"end":1330.305,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10708168894052504},{"word":"i've","start":1330.305,"end":1330.545,"confidence":0.9621582,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2289835512638092},{"word":"found","start":1330.545,"end":1330.785,"confidence":0.99902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.255190372467041},{"word":"that","start":1330.785,"end":1330.9451,"confidence":0.98828125,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.29473763704299927},{"word":"like","start":1330.9451,"end":1331.185,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2927110195159912},{"word":"when","start":1331.185,"end":1331.345,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.28622037172317505},{"word":"we","start":1331.345,"end":1331.585,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23238399624824524},{"word":"run","start":1331.585,"end":1331.745,"confidence":0.68359375,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.23362933099269867},{"word":"out","start":1331.745,"end":1331.905,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.24089239537715912},{"word":"of","start":1331.905,"end":1331.985,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29288449883461},{"word":"money","start":1331.985,"end":1332.145,"confidence":0.7342529,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.20754706859588623},{"word":"then","start":1332.145,"end":1332.305,"confidence":0.62597656,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1811079233884811},{"word":"we","start":1332.305,"end":1332.385,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12728740274906158},{"word":"just","start":1332.385,"end":1332.625,"confidence":0.96435547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17256523668766022},{"word":"transfer","start":1332.625,"end":1332.9451,"confidence":0.7397461,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.138939768075943},{"word":"more","start":1332.9451,"end":1333.185,"confidence":0.92089844,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.14278186857700348},{"word":"across","start":1333.185,"end":1333.425,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.14195998013019562},{"word":"from","start":1333.425,"end":1333.585,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.18558059632778168},{"word":"the","start":1333.585,"end":1333.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1814233958721161},{"word":"offset","start":1333.745,"end":1334.225,"confidence":0.9338379,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":-0.09912408888339996},{"word":"so","start":1334.225,"end":1334.725,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09247899055480956},{"word":"it's","start":1336.785,"end":1337.105,"confidence":0.9211426,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11376648396253586},{"word":"yeah","start":1338.0651,"end":1338.5651,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.12730731070041656},{"word":"i","start":1338.625,"end":1338.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2439399361610413},{"word":"i","start":1338.785,"end":1339.105,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3038704991340637},{"word":"i","start":1339.105,"end":1339.585,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.30092349648475647},{"word":"understand","start":1339.585,"end":1340.085,"confidence":0.9980469,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.3309221863746643},{"word":"that","start":1340.145,"end":1340.64,"confidence":0.9921875,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4001280069351196},{"word":"most","start":1341.04,"end":1341.2001,"confidence":0.9980469,"punctuated_word":"most","sentiment":"negative","sentiment_score":-0.46478912234306335},{"word":"of","start":1341.2001,"end":1341.36,"confidence":0.984375,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.557966947555542},{"word":"our","start":1341.36,"end":1341.4401,"confidence":0.7705078,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.5550401210784912},{"word":"money","start":1341.4401,"end":1341.84,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.4658881425857544},{"word":"should","start":1341.84,"end":1342.0,"confidence":0.99902344,"punctuated_word":"should","sentiment":"negative","sentiment_score":-0.46971768140792847},{"word":"be","start":1342.0,"end":1342.16,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4346417188644409},{"word":"sitting","start":1342.16,"end":1342.3201,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"negative","sentiment_score":-0.4079355299472809},{"word":"in","start":1342.3201,"end":1342.48,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4288443624973297},{"word":"the","start":1342.48,"end":1342.64,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4291849136352539},{"word":"offset","start":1342.64,"end":1343.12,"confidence":0.83740234,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":-0.277740478515625},{"word":"but","start":1343.12,"end":1343.36,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2707723379135132},{"word":"i","start":1343.36,"end":1343.52,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.47746285796165466},{"word":"feel","start":1343.52,"end":1343.68,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"negative","sentiment_score":-0.5237792730331421},{"word":"like","start":1343.68,"end":1343.84,"confidence":0.94921875,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.565727710723877},{"word":"when","start":1343.84,"end":1344.08,"confidence":0.9394531,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.5372917056083679},{"word":"it's","start":1344.08,"end":1344.24,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.598307728767395},{"word":"in","start":1344.24,"end":1344.4,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.6449849009513855},{"word":"the","start":1344.4,"end":1344.56,"confidence":0.9873047,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6340780854225159},{"word":"offset","start":1344.56,"end":1345.06,"confidence":0.9736328,"punctuated_word":"offset,","sentiment":"negative","sentiment_score":-0.4918116927146912},{"word":"it's","start":1345.92,"end":1346.08,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.58295738697052},{"word":"also","start":1346.08,"end":1346.48,"confidence":0.99902344,"punctuated_word":"also","sentiment":"negative","sentiment_score":-0.5393105745315552},{"word":"a","start":1346.48,"end":1346.56,"confidence":0.99609375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5172514915466309},{"word":"danger","start":1346.56,"end":1346.96,"confidence":1.0,"punctuated_word":"danger","sentiment":"negative","sentiment_score":-0.5015027523040771},{"word":"of","start":1346.96,"end":1347.12,"confidence":0.9892578,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5840831398963928},{"word":"being","start":1347.12,"end":1347.36,"confidence":1.0,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.7231326103210449},{"word":"spent","start":1347.36,"end":1347.86,"confidence":0.9765625,"punctuated_word":"spent.","sentiment":"negative","sentiment_score":-0.6582648754119873},{"word":"yeah","start":1358.5751,"end":1359.0751,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03477446734905243},{"word":"yeah","start":1363.295,"end":1363.795,"confidence":0.90185547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03938744217157364},{"word":"yeah","start":1369.31,"end":1369.81,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09973065555095673},{"word":"yeah","start":1382.525,"end":1383.025,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06655209511518478},{"word":"yeah","start":1383.165,"end":1383.5651,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08022310584783554},{"word":"i","start":1383.5651,"end":1383.7251,"confidence":0.6635742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051328033208847046},{"word":"mean","start":1383.7251,"end":1383.9651,"confidence":0.98706055,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07711797952651978},{"word":"it's","start":1383.9651,"end":1384.2051,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08310477435588837},{"word":"i","start":1384.4451,"end":1384.525,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03232838958501816},{"word":"don't","start":1384.525,"end":1384.765,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.011585265398025513},{"word":"think","start":1384.765,"end":1384.925,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04084445536136627},{"word":"it's","start":1384.925,"end":1385.165,"confidence":0.9661458,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.016827382147312164},{"word":"like","start":1385.165,"end":1385.3251,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.005179267376661301},{"word":"the","start":1385.3251,"end":1385.4851,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036481939256191254},{"word":"best","start":1385.4851,"end":1385.805,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.018246933817863464},{"word":"way","start":1385.805,"end":1386.045,"confidence":0.9848633,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.039495375007390976},{"word":"but","start":1386.045,"end":1386.285,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.009744912385940552},{"word":"it's","start":1386.285,"end":1386.525,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07307850569486618},{"word":"kind","start":1386.525,"end":1386.8451,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04739115387201309},{"word":"of","start":1386.8451,"end":1387.0851,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03634342551231384},{"word":"working","start":1387.0851,"end":1387.4851,"confidence":0.99609375,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.059357792139053345},{"word":"at","start":1387.4851,"end":1387.645,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006056159734725952},{"word":"the","start":1387.645,"end":1387.7251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.071051687002182},{"word":"moment","start":1387.7251,"end":1388.2251,"confidence":0.9970703,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.09703406691551208},{"word":"you","start":1389.4851,"end":1389.645,"confidence":0.5004883,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.013329554349184036},{"word":"know","start":1389.645,"end":1389.805,"confidence":0.95874023,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05596166104078293},{"word":"i've","start":1389.805,"end":1389.9651,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07461301237344742},{"word":"got","start":1389.9651,"end":1390.125,"confidence":0.98095703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06508231163024902},{"word":"on","start":1390.125,"end":1390.285,"confidence":0.5722656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05183172598481178},{"word":"my","start":1390.285,"end":1390.3651,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04173484817147255},{"word":"list","start":1390.3651,"end":1390.8651,"confidence":0.7446289,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.054639317095279694},{"word":"of","start":1390.89,"end":1391.13,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11869554966688156},{"word":"things","start":1391.13,"end":1391.37,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1935715973377228},{"word":"to","start":1391.37,"end":1391.6901,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08428766578435898},{"word":"be","start":1391.6901,"end":1391.93,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08224920183420181},{"word":"more","start":1391.93,"end":1392.17,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09322038292884828},{"word":"financially","start":1392.17,"end":1392.67,"confidence":0.99609375,"punctuated_word":"financially","sentiment":"neutral","sentiment_score":0.13197895884513855},{"word":"literate","start":1392.73,"end":1393.23,"confidence":0.9967448,"punctuated_word":"literate.","sentiment":"neutral","sentiment_score":0.06826614588499069},{"word":"yeah","start":1399.37,"end":1399.87,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.152053102850914},{"word":"yeah","start":1412.465,"end":1412.965,"confidence":0.93725586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05956305563449859},{"word":"yeah","start":1416.865,"end":1417.32,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06930020451545715},{"word":"yeah","start":1427.88,"end":1428.2799,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0706709772348404},{"word":"sure","start":1428.2799,"end":1428.6,"confidence":0.9875488,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.09202365577220915},{"word":"so","start":1428.6,"end":1429.1,"confidence":0.9580078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08180130273103714},{"word":"i've","start":1429.7999,"end":1429.96,"confidence":0.9902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10919040441513062},{"word":"got","start":1429.96,"end":1430.46,"confidence":0.9230957,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.1145835667848587},{"word":"like","start":1430.585,"end":1430.745,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11142580956220628},{"word":"around","start":1430.745,"end":1430.905,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10865893959999084},{"word":"12","start":1430.905,"end":1431.385,"confidence":1.0,"punctuated_word":"12","sentiment":"neutral","sentiment_score":0.11705984175205232},{"word":"k","start":1431.385,"end":1431.885,"confidence":0.9980469,"punctuated_word":"k","sentiment":"neutral","sentiment_score":0.11256950348615646},{"word":"in","start":1432.505,"end":1432.665,"confidence":0.9448242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10690714418888092},{"word":"just","start":1432.665,"end":1432.905,"confidence":0.85498047,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.10453888028860092},{"word":"like","start":1432.905,"end":1433.0651,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11754602193832396},{"word":"an","start":1433.0651,"end":1433.225,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13460156321525574},{"word":"emergency","start":1433.225,"end":1433.725,"confidence":0.9970703,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.12935513257980347},{"word":"fund","start":1433.865,"end":1434.365,"confidence":0.86499023,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.10812655091285706},{"word":"that's","start":1437.385,"end":1437.625,"confidence":0.984375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15725228190422058},{"word":"with","start":1437.625,"end":1437.865,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1503434181213379},{"word":"ubank","start":1437.865,"end":1438.365,"confidence":0.65812176,"punctuated_word":"UBank.","sentiment":"neutral","sentiment_score":0.1446678638458252},{"word":"and","start":1439.225,"end":1439.385,"confidence":0.9658203,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3621523380279541},{"word":"then","start":1439.385,"end":1439.885,"confidence":0.75439453,"punctuated_word":"then,","sentiment":"positive","sentiment_score":0.3431165814399719},{"word":"yeah","start":1440.105,"end":1440.265,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.37491798400878906},{"word":"the","start":1440.265,"end":1440.425,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4023393988609314},{"word":"interest","start":1440.425,"end":1440.745,"confidence":0.9970703,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.3660411834716797},{"word":"rate's","start":1440.745,"end":1440.985,"confidence":0.7434082,"punctuated_word":"rate's","sentiment":"neutral","sentiment_score":0.2892799377441406},{"word":"pretty","start":1440.985,"end":1441.145,"confidence":0.9863281,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3063364624977112},{"word":"good","start":1441.145,"end":1441.305,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2656137943267822},{"word":"on","start":1441.305,"end":1441.465,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3197705149650574},{"word":"that","start":1441.465,"end":1441.625,"confidence":0.78466797,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2830486297607422},{"word":"so","start":1441.625,"end":1441.785,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25020191073417664},{"word":"you","start":1441.785,"end":1441.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2669282555580139},{"word":"kinda","start":1441.945,"end":1442.265,"confidence":0.9394531,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2688600420951843},{"word":"get","start":1442.265,"end":1442.505,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2446146160364151},{"word":"probably","start":1442.505,"end":1442.825,"confidence":0.9160156,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.30005574226379395},{"word":"about","start":1442.825,"end":1443.0651,"confidence":0.984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21860821545124057},{"word":"$50","start":1443.0651,"end":1443.625,"confidence":0.9921875,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.24113084375858307},{"word":"a","start":1443.625,"end":1443.705,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18513566255569455},{"word":"month","start":1443.705,"end":1443.93,"confidence":0.9902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.22949963808059692},{"word":"of","start":1445.2101,"end":1445.4501,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2293265759944916},{"word":"interest","start":1445.4501,"end":1445.8501,"confidence":0.99902344,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.26662299036979675},{"word":"on","start":1445.8501,"end":1446.01,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.27445709705352783},{"word":"top","start":1446.01,"end":1446.17,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.25046229362487793},{"word":"of","start":1446.17,"end":1446.3301,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3278937041759491},{"word":"that","start":1446.3301,"end":1446.5701,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24203091859817505},{"word":"as","start":1446.5701,"end":1446.81,"confidence":0.8457031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2327166646718979},{"word":"long","start":1446.81,"end":1446.9701,"confidence":0.9951172,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2013000249862671},{"word":"as","start":1446.9701,"end":1447.05,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24445028603076935},{"word":"you","start":1447.05,"end":1447.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2266049832105637},{"word":"put","start":1447.13,"end":1447.29,"confidence":0.9790039,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.17733420431613922},{"word":"enough","start":1447.29,"end":1447.79,"confidence":0.96435547,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.14441263675689697},{"word":"into","start":1448.01,"end":1448.25,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15050891041755676},{"word":"the","start":1448.25,"end":1448.4901,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17397630214691162},{"word":"account","start":1448.4901,"end":1448.9901,"confidence":0.96875,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.15133491158485413},{"word":"and","start":1449.6901,"end":1449.8501,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06242267787456513},{"word":"then","start":1449.8501,"end":1450.3501,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05897626653313637},{"word":"i","start":1450.81,"end":1450.89,"confidence":0.41479492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029136957600712776},{"word":"start","start":1450.89,"end":1451.39,"confidence":0.7260742,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.03080374374985695},{"word":"sorry","start":1455.53,"end":1456.03,"confidence":0.98828125,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.03144650161266327},{"word":"one","start":1456.17,"end":1456.4901,"confidence":0.9921875,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.022227760404348373},{"word":"sec","start":1456.4901,"end":1456.875,"confidence":0.9975586,"punctuated_word":"sec.","sentiment":"neutral","sentiment_score":0.03388814628124237},{"word":"not","start":1465.995,"end":1466.395,"confidence":0.96435547,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09766324609518053},{"word":"at","start":1466.395,"end":1466.635,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1626289188861847},{"word":"the","start":1466.635,"end":1466.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1494261473417282},{"word":"moment","start":1466.795,"end":1467.195,"confidence":0.9555664,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.0412592887878418},{"word":"so","start":1467.195,"end":1467.355,"confidence":0.85839844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0025745704770088196},{"word":"i","start":1467.355,"end":1467.435,"confidence":0.8339844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028533868491649628},{"word":"that's","start":1467.595,"end":1467.915,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.046537235379219055},{"word":"something","start":1467.915,"end":1468.235,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.05064942687749863},{"word":"that","start":1468.235,"end":1468.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.044893234968185425},{"word":"i","start":1468.395,"end":1468.555,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.039066605269908905},{"word":"kinda","start":1468.555,"end":1468.875,"confidence":0.97509766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.05367138981819153},{"word":"want","start":1468.875,"end":1469.115,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.03862869367003441},{"word":"to","start":1469.115,"end":1469.615,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03018917702138424},{"word":"sort","start":1471.0,"end":1471.3201,"confidence":0.58740234,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.036749958992004395},{"word":"out","start":1471.3201,"end":1471.48,"confidence":0.9472656,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.018761511892080307},{"word":"i","start":1471.48,"end":1471.64,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02483601495623589},{"word":"was","start":1471.64,"end":1471.88,"confidence":0.87524414,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.01806367002427578},{"word":"and","start":1471.88,"end":1472.04,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01984230615198612},{"word":"then","start":1472.04,"end":1472.28,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.007715903222560883},{"word":"we","start":1472.28,"end":1472.36,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009244795888662338},{"word":"had","start":1472.36,"end":1472.52,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0031395666301250458},{"word":"our","start":1472.52,"end":1472.68,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.01040085032582283},{"word":"wedding","start":1472.68,"end":1473.08,"confidence":0.88012695,"punctuated_word":"wedding,","sentiment":"neutral","sentiment_score":-0.006872666999697685},{"word":"and","start":1473.08,"end":1473.24,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01685849390923977},{"word":"everything","start":1473.24,"end":1473.64,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.033553268760442734},{"word":"went","start":1473.64,"end":1473.8,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.03859516233205795},{"word":"to","start":1473.8,"end":1473.96,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04198392480611801},{"word":"shift","start":1473.96,"end":1474.46,"confidence":0.6694336,"punctuated_word":"shift.","sentiment":"neutral","sentiment_score":-0.017203059047460556},{"word":"and","start":1475.08,"end":1475.24,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.000700097531080246},{"word":"then","start":1475.24,"end":1475.74,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0001958608627319336},{"word":"yeah","start":1476.84,"end":1477.08,"confidence":0.9086914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.010981349274516106},{"word":"so","start":1477.08,"end":1477.24,"confidence":0.9526367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030511997640132904},{"word":"i'm","start":1477.24,"end":1477.48,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04240972548723221},{"word":"getting","start":1477.48,"end":1477.8,"confidence":0.52441406,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.03573685139417648},{"word":"back","start":1477.8,"end":1478.04,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.010601349174976347},{"word":"on","start":1478.04,"end":1478.2001,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.039757706224918365},{"word":"track","start":1478.2001,"end":1478.52,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.04451562836766243},{"word":"after","start":1478.52,"end":1478.76,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.012620463967323303},{"word":"that","start":1478.76,"end":1479.26,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.035045333206653595},{"word":"but","start":1479.88,"end":1480.0,"confidence":0.86865234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0068048276007175446},{"word":"yeah","start":1480.12,"end":1480.36,"confidence":0.99853516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.020977960899472237},{"word":"with","start":1480.36,"end":1480.68,"confidence":0.98291016,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.010419484227895737},{"word":"ubank","start":1480.68,"end":1481.08,"confidence":0.8499349,"punctuated_word":"UBank,","sentiment":"neutral","sentiment_score":0.01738205924630165},{"word":"i've","start":1481.08,"end":1481.16,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04111828655004501},{"word":"got","start":1481.16,"end":1481.3201,"confidence":0.970459,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.026000164449214935},{"word":"like","start":1481.3201,"end":1481.48,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01850353740155697},{"word":"a","start":1481.48,"end":1481.64,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03505920618772507},{"word":"fund","start":1481.64,"end":1481.96,"confidence":0.7529297,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.01364395022392273},{"word":"money","start":1481.96,"end":1482.28,"confidence":0.99316406,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.0150337815284729},{"word":"bills","start":1482.28,"end":1482.78,"confidence":0.70983887,"punctuated_word":"bills,","sentiment":"neutral","sentiment_score":0.024060258641839027},{"word":"long","start":1483.0,"end":1483.24,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.010034766048192978},{"word":"term","start":1483.24,"end":1483.56,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.02071826532483101},{"word":"savings","start":1483.56,"end":1484.06,"confidence":0.98706055,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.01676030457019806},{"word":"emergency","start":1484.535,"end":1484.935,"confidence":0.9970703,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":-0.005748514086008072},{"word":"fund","start":1484.935,"end":1485.3351,"confidence":0.97631836,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.01026531122624874},{"word":"and","start":1485.3351,"end":1485.495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.008299503475427628},{"word":"then","start":1485.495,"end":1485.655,"confidence":0.96850586,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.0009152507409453392},{"word":"like","start":1485.655,"end":1485.8151,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.02033756673336029},{"word":"a","start":1485.8151,"end":1485.895,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00947003997862339},{"word":"bit","start":1485.895,"end":1486.055,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.012752741575241089},{"word":"of","start":1486.055,"end":1486.135,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021847352385520935},{"word":"a","start":1486.135,"end":1486.2151,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03887493908405304},{"word":"bumper","start":1486.2151,"end":1486.615,"confidence":0.7841797,"punctuated_word":"bumper","sentiment":"neutral","sentiment_score":-0.03314109146595001},{"word":"account","start":1486.615,"end":1487.115,"confidence":0.98535156,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.0726023018360138},{"word":"which","start":1487.3351,"end":1487.5751,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.10261523723602296},{"word":"i","start":1487.5751,"end":1487.655,"confidence":0.7841797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09523966163396835},{"word":"don't","start":1487.655,"end":1487.8151,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1035427302122116},{"word":"know","start":1487.8151,"end":1487.9751,"confidence":0.654541,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.13671302795410156},{"word":"is","start":1487.9751,"end":1488.2151,"confidence":0.40454102,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.21337464451789856},{"word":"a","start":1488.2151,"end":1488.375,"confidence":0.6425781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1691942662000656},{"word":"bit","start":1488.375,"end":1488.4551,"confidence":0.76953125,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.23439502716064453},{"word":"of","start":1488.4551,"end":1488.615,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21417132019996643},{"word":"a","start":1488.615,"end":1488.8551,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21004772186279297},{"word":"cheat","start":1488.8551,"end":1489.3551,"confidence":0.83813477,"punctuated_word":"cheat.","sentiment":"neutral","sentiment_score":-0.07337058335542679},{"word":"but","start":1491.175,"end":1491.3351,"confidence":0.91015625,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.00697871670126915},{"word":"yeah","start":1491.3351,"end":1491.495,"confidence":0.99902344,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.019485902041196823},{"word":"i've","start":1491.495,"end":1491.655,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04917510971426964},{"word":"got","start":1491.655,"end":1491.8151,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04823203757405281},{"word":"12,200","start":1491.8151,"end":1492.8551,"confidence":1.0,"punctuated_word":"12,200","sentiment":"neutral","sentiment_score":0.04086891934275627},{"word":"in","start":1492.8551,"end":1493.015,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04548243060708046},{"word":"the","start":1493.015,"end":1493.0951,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033017855137586594},{"word":"emergency","start":1493.0951,"end":1493.5951,"confidence":0.99902344,"punctuated_word":"emergency","sentiment":"neutral","sentiment_score":0.005392499268054962},{"word":"and","start":1493.655,"end":1493.895,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037386391311883926},{"word":"then","start":1493.895,"end":1494.395,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01674031838774681},{"word":"8,400","start":1494.4551,"end":1496.0751,"confidence":0.9992676,"punctuated_word":"8,400","sentiment":"neutral","sentiment_score":0.03799476847052574},{"word":"in","start":1496.295,"end":1496.4551,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03780392184853554},{"word":"the","start":1496.4551,"end":1496.615,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0343303382396698},{"word":"in","start":1496.775,"end":1496.935,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0439472459256649},{"word":"my","start":1496.935,"end":1497.175,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06462740898132324},{"word":"long","start":1497.175,"end":1497.3351,"confidence":0.9970703,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.03334369510412216},{"word":"term","start":1497.3351,"end":1497.78,"confidence":0.9970703,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.05682365223765373},{"word":"savings","start":1497.86,"end":1498.18,"confidence":0.99609375,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.02485392615199089},{"word":"there","start":1498.18,"end":1498.68,"confidence":0.97631836,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04272148758172989},{"word":"so","start":1498.9,"end":1499.06,"confidence":0.58740234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.060051292181015015},{"word":"i","start":1499.06,"end":1499.22,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0422796830534935},{"word":"do","start":1499.22,"end":1499.38,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.044208772480487823},{"word":"wanna","start":1499.38,"end":1499.62,"confidence":0.90478516,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.045577310025691986},{"word":"get","start":1499.62,"end":1499.78,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0277998149394989},{"word":"better","start":1499.78,"end":1500.1,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.03698322921991348},{"word":"at","start":1500.1,"end":1500.26,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.005166880786418915},{"word":"kind","start":1500.26,"end":1500.76,"confidence":0.97265625,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03994742035865784},{"word":"of","start":1501.14,"end":1501.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026262152940034863},{"word":"allocating","start":1501.3,"end":1501.8,"confidence":0.99902344,"punctuated_word":"allocating","sentiment":"neutral","sentiment_score":0.030698157846927643},{"word":"that","start":1503.06,"end":1503.54,"confidence":0.6665039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0862516462802887},{"word":"amount","start":1503.54,"end":1504.04,"confidence":0.85302734,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.013524599373340608},{"word":"but","start":1506.74,"end":1506.98,"confidence":0.7565918,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.01730269007384777},{"word":"yeah","start":1506.98,"end":1507.22,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03176872804760933},{"word":"i've","start":1507.22,"end":1507.38,"confidence":0.99194336,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.020304806530475616},{"word":"gotta","start":1507.38,"end":1507.7001,"confidence":0.7324219,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.00891861692070961},{"word":"get","start":1507.7001,"end":1507.78,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.030110955238342285},{"word":"back","start":1507.78,"end":1507.9401,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06787444651126862},{"word":"on","start":1507.9401,"end":1508.1,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07381977885961533},{"word":"track","start":1508.1,"end":1508.3401,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.10887955129146576},{"word":"with","start":1508.3401,"end":1508.5801,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06943386793136597},{"word":"that","start":1508.5801,"end":1509.0801,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0918806418776512},{"word":"yeah","start":1518.515,"end":1519.015,"confidence":0.82592773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3280045986175537},{"word":"yeah","start":1523.155,"end":1523.61,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21479010581970215},{"word":"yep","start":1532.8099,"end":1533.3099,"confidence":0.82250977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05518188327550888},{"word":"yeah","start":1539.945,"end":1540.345,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06659573316574097},{"word":"sure","start":1540.345,"end":1540.845,"confidence":0.99365234,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.07687237858772278},{"word":"i","start":1540.905,"end":1540.985,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04839296638965607},{"word":"mean","start":1540.985,"end":1541.225,"confidence":0.9785156,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.059655893594026566},{"word":"i","start":1541.225,"end":1541.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0853295847773552},{"word":"always","start":1541.385,"end":1541.785,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.08229827880859375},{"word":"do","start":1541.785,"end":1542.105,"confidence":0.95996094,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.08076705038547516},{"word":"like","start":1542.105,"end":1542.605,"confidence":0.9980469,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0709657073020935},{"word":"a","start":1542.825,"end":1542.985,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09160606563091278},{"word":"set","start":1542.985,"end":1543.145,"confidence":0.94628906,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.08203144371509552},{"word":"amount","start":1543.145,"end":1543.465,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.06410833448171616},{"word":"into","start":1543.465,"end":1543.785,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08386759459972382},{"word":"our","start":1543.785,"end":1543.945,"confidence":0.9902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06371556222438812},{"word":"offset","start":1543.945,"end":1544.445,"confidence":0.9873047,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.056505560874938965},{"word":"and","start":1544.505,"end":1544.665,"confidence":0.88964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051193349063396454},{"word":"then","start":1544.665,"end":1544.985,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06143724545836449},{"word":"the","start":1544.985,"end":1545.225,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06196504831314087},{"word":"investment","start":1545.225,"end":1545.725,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05153875797986984},{"word":"first","start":1545.865,"end":1546.265,"confidence":0.79785156,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.0581408329308033},{"word":"and","start":1546.265,"end":1546.425,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04451006278395653},{"word":"then","start":1546.425,"end":1546.665,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04153677448630333},{"word":"i","start":1546.665,"end":1546.745,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04362882673740387},{"word":"kind","start":1546.745,"end":1547.065,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04499237984418869},{"word":"of","start":1547.065,"end":1547.225,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05007125064730644},{"word":"it's","start":1547.305,"end":1547.465,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.047972485423088074},{"word":"a","start":1547.465,"end":1547.545,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0586603581905365},{"word":"bit","start":1547.545,"end":1547.785,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04403353109955788},{"word":"random","start":1547.785,"end":1548.105,"confidence":1.0,"punctuated_word":"random","sentiment":"neutral","sentiment_score":0.09349514544010162},{"word":"with","start":1548.105,"end":1548.265,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05720186606049538},{"word":"whatever's","start":1548.265,"end":1548.75,"confidence":0.92211914,"punctuated_word":"whatever's","sentiment":"neutral","sentiment_score":0.05885763466358185},{"word":"left","start":1548.75,"end":1549.25,"confidence":0.5185547,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.07334821671247482},{"word":"over","start":1558.99,"end":1559.49,"confidence":0.99609375,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.056498922407627106},{"word":"no","start":1559.63,"end":1559.87,"confidence":0.94506836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04444035142660141},{"word":"name's","start":1559.87,"end":1560.19,"confidence":0.7307129,"punctuated_word":"Name's","sentiment":"neutral","sentiment_score":-0.05200152099132538},{"word":"still","start":1560.19,"end":1560.43,"confidence":0.984375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06295661628246307},{"word":"the","start":1560.43,"end":1560.765,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06663220375776291},{"word":"maybe","start":1561.885,"end":1562.365,"confidence":0.7705078,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":0.04104601964354515},{"word":"maybe","start":1562.365,"end":1562.765,"confidence":0.9501953,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":0.038866061717271805},{"word":"but","start":1562.765,"end":1563.265,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05582433193922043},{"word":"peachy","start":1564.365,"end":1564.685,"confidence":0.5946045,"punctuated_word":"Peachy","sentiment":"neutral","sentiment_score":0.08542849868535995},{"word":"is","start":1564.685,"end":1564.765,"confidence":0.67626953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22667312622070312},{"word":"a","start":1564.765,"end":1564.925,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19089728593826297},{"word":"good","start":1564.925,"end":1565.085,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.25372570753097534},{"word":"name","start":1565.085,"end":1565.245,"confidence":0.93969727,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.1509663164615631},{"word":"i","start":1565.245,"end":1565.405,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05141598731279373},{"word":"don't","start":1565.405,"end":1565.645,"confidence":0.9753418,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.033665284514427185},{"word":"it's","start":1565.725,"end":1565.885,"confidence":0.9663086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0012470956426113844},{"word":"hard","start":1565.885,"end":1566.285,"confidence":0.9921875,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.060458697378635406},{"word":"to","start":1566.285,"end":1566.4451,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029073357582092285},{"word":"hard","start":1566.4451,"end":1566.685,"confidence":0.8925781,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.11363650113344193},{"word":"to","start":1566.685,"end":1566.845,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020116552710533146},{"word":"let","start":1566.845,"end":1567.005,"confidence":0.9707031,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.01982792466878891},{"word":"go","start":1567.005,"end":1567.165,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.012049652636051178},{"word":"of","start":1567.165,"end":1567.665,"confidence":0.9482422,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":0.029277438297867775},{"word":"yep","start":1573.965,"end":1574.465,"confidence":0.9562988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.00873763207346201},{"word":"mhmm","start":1578.1599,"end":1578.6599,"confidence":0.9876709,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.013717906549572945},{"word":"thank","start":1590.0,"end":1590.24,"confidence":0.98828125,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4954632520675659},{"word":"you","start":1590.24,"end":1590.615,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3173940181732178},{"word":"oh","start":1590.615,"end":1591.0549,"confidence":0.694458,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.06307928264141083},{"word":"are","start":1591.0549,"end":1591.495,"confidence":0.7294922,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03616679832339287},{"word":"you","start":1591.495,"end":1591.575,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050386618822813034},{"word":"there","start":1591.575,"end":1592.075,"confidence":0.9995117,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.03987327590584755},{"word":"sorry","start":1600.455,"end":1600.955,"confidence":0.9506836,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06539647281169891},{"word":"okay","start":1601.895,"end":1602.395,"confidence":0.7147217,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.012172603979706764},{"word":"yep","start":1608.55,"end":1609.05,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02520114742219448},{"word":"hero","start":1616.835,"end":1617.335,"confidence":0.45593262,"punctuated_word":"Hero?","sentiment":"neutral","sentiment_score":0.0066040996462106705},{"word":"yeah","start":1619.155,"end":1619.395,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050086379051208496},{"word":"yeah","start":1619.395,"end":1619.635,"confidence":0.8737793,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05689717084169388},{"word":"so","start":1619.635,"end":1619.875,"confidence":0.6694336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.048485469073057175},{"word":"he's","start":1619.875,"end":1620.0349,"confidence":0.98876953,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.062489647418260574},{"word":"my","start":1620.0349,"end":1620.275,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06494066119194031},{"word":"husband","start":1620.275,"end":1620.775,"confidence":0.99853516,"punctuated_word":"husband.","sentiment":"neutral","sentiment_score":0.06775259971618652},{"word":"yeah","start":1622.0349,"end":1622.5349,"confidence":0.7583008,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28687387704849243},{"word":"mhmm","start":1628.0349,"end":1628.5349,"confidence":0.99731445,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0418211966753006},{"word":"mhmm","start":1638.21,"end":1638.71,"confidence":0.9128418,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.013274313881993294},{"word":"yep","start":1644.175,"end":1644.675,"confidence":0.8352051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0505119226872921},{"word":"yeah","start":1651.6951,"end":1652.015,"confidence":0.86621094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06653229147195816},{"word":"no","start":1652.015,"end":1652.175,"confidence":0.97314453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2532179355621338},{"word":"i'm","start":1652.175,"end":1652.335,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23241552710533145},{"word":"still","start":1652.335,"end":1652.5751,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2168775051832199},{"word":"working","start":1652.5751,"end":1652.895,"confidence":0.82373047,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.2712163031101227},{"word":"in","start":1652.895,"end":1653.055,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2559393644332886},{"word":"higher","start":1653.055,"end":1653.215,"confidence":0.66845703,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.22370275855064392},{"word":"duties","start":1653.215,"end":1653.615,"confidence":0.9863281,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.19514556229114532},{"word":"at","start":1653.615,"end":1653.6951,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.25040146708488464},{"word":"the","start":1653.6951,"end":1653.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23723061382770536},{"word":"moment","start":1653.775,"end":1654.095,"confidence":0.98657227,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.23167812824249268},{"word":"but","start":1654.095,"end":1654.255,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1944231539964676},{"word":"it's","start":1654.255,"end":1654.415,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2328832447528839},{"word":"like","start":1654.415,"end":1654.495,"confidence":0.71240234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.18835079669952393},{"word":"a","start":1654.495,"end":1654.655,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22513937950134277},{"word":"year","start":1654.655,"end":1654.8151,"confidence":0.984375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.20340517163276672},{"word":"to","start":1654.8151,"end":1654.975,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.22893927991390228},{"word":"year","start":1654.975,"end":1655.215,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.15526974201202393},{"word":"contract","start":1655.215,"end":1655.715,"confidence":0.85913086,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":-0.2215443253517151},{"word":"so","start":1655.89,"end":1656.39,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.21863898634910583},{"word":"i","start":1657.25,"end":1657.49,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28673189878463745},{"word":"don't","start":1657.49,"end":1657.73,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2333170175552368},{"word":"know","start":1657.73,"end":1658.23,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1741369068622589},{"word":"what","start":1658.77,"end":1659.09,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09421256929636002},{"word":"the","start":1659.09,"end":1659.59,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13628298044204712},{"word":"situation","start":1660.0499,"end":1660.5499,"confidence":0.99902344,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.1493644416332245},{"word":"will","start":1660.61,"end":1660.77,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1300448626279831},{"word":"be","start":1660.77,"end":1660.9299,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13184386491775513},{"word":"next","start":1660.9299,"end":1661.1699,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.142659991979599},{"word":"year","start":1661.1699,"end":1661.6699,"confidence":0.9970703,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.12504830956459043},{"word":"so","start":1668.61,"end":1668.85,"confidence":0.7080078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014689449220895767},{"word":"it'll","start":1668.85,"end":1669.09,"confidence":0.9921875,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.0013109272113069892},{"word":"be","start":1669.09,"end":1669.25,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.004388473927974701},{"word":"at","start":1669.25,"end":1669.41,"confidence":0.7524414,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.016583316028118134},{"word":"that","start":1669.41,"end":1669.57,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013424687087535858},{"word":"higher","start":1669.57,"end":1669.8099,"confidence":0.9536133,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.03231470286846161},{"word":"duty","start":1669.8099,"end":1670.3099,"confidence":0.6196289,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":-0.024740584194660187},{"word":"the","start":1670.9299,"end":1671.09,"confidence":0.8803711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020953767001628876},{"word":"whole","start":1671.09,"end":1671.555,"confidence":0.99902344,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.020926356315612793},{"word":"yeah","start":1671.7151,"end":1672.2151,"confidence":0.96728516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03324020653963089},{"word":"yeah","start":1673.9551,"end":1674.275,"confidence":0.9560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07969796657562256},{"word":"it's","start":1674.275,"end":1674.435,"confidence":0.53430176,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.09146808087825777},{"word":"been","start":1674.435,"end":1674.675,"confidence":0.28393555,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06833328306674957},{"word":"for","start":1674.675,"end":1674.8351,"confidence":0.56640625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06820878386497498},{"word":"the","start":1674.8351,"end":1674.915,"confidence":0.5673828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07009084522724152},{"word":"last","start":1674.915,"end":1675.0751,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04162827879190445},{"word":"couple","start":1675.0751,"end":1675.395,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03726700693368912},{"word":"of","start":1675.395,"end":1675.4751,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04373715817928314},{"word":"years","start":1675.4751,"end":1675.7151,"confidence":0.75683594,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.07720384001731873},{"word":"so","start":1675.7151,"end":1676.2151,"confidence":0.89990234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1321791112422943},{"word":"it","start":1677.155,"end":1677.4751,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14559701085090637},{"word":"should","start":1677.4751,"end":1677.7151,"confidence":0.97802734,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.22133219242095947},{"word":"be","start":1677.7151,"end":1677.9551,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13916394114494324},{"word":"the","start":1677.9551,"end":1678.1151,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.127575621008873},{"word":"same","start":1678.1151,"end":1678.6151,"confidence":0.9577637,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.13235482573509216},{"word":"yeah","start":1682.995,"end":1683.395,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1367376148700714},{"word":"around","start":1683.395,"end":1683.7151,"confidence":0.9980469,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":0.12126314640045166},{"word":"that","start":1683.7151,"end":1683.875,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.154101625084877},{"word":"mark","start":1683.875,"end":1684.26,"confidence":0.7871094,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.18010380864143372},{"word":"we","start":1694.98,"end":1695.14,"confidence":0.92578125,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.10143779218196868},{"word":"haven't","start":1695.14,"end":1695.54,"confidence":0.93066406,"punctuated_word":"haven't.","sentiment":"neutral","sentiment_score":-0.050093818455934525},{"word":"it's","start":1695.54,"end":1695.78,"confidence":0.9753418,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.025627728551626205},{"word":"not","start":1695.78,"end":1696.1,"confidence":0.44091797,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.021779626607894897},{"word":"another","start":1696.1,"end":1696.42,"confidence":0.55126953,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.06243180483579635},{"word":"thing","start":1696.42,"end":1696.58,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03116006031632423},{"word":"on","start":1696.58,"end":1696.74,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.039721373468637466},{"word":"the","start":1696.74,"end":1696.9,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02966294437646866},{"word":"list","start":1696.9,"end":1697.385,"confidence":0.99560547,"punctuated_word":"list.","sentiment":"neutral","sentiment_score":-0.051751941442489624},{"word":"mhmm","start":1704.025,"end":1704.525,"confidence":0.9868164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02613803558051586},{"word":"okay","start":1721.23,"end":1721.73,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11982619762420654},{"word":"okay","start":1722.03,"end":1722.53,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1402917057275772},{"word":"yeah","start":1727.805,"end":1728.305,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3698772192001343},{"word":"yeah","start":1730.925,"end":1731.325,"confidence":0.8269043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15777455270290375},{"word":"sure","start":1731.325,"end":1731.825,"confidence":0.9946289,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.14798617362976074},{"word":"is","start":1743.02,"end":1743.26,"confidence":0.9135742,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03306184709072113},{"word":"it","start":1743.26,"end":1743.42,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.031961072236299515},{"word":"down","start":1743.42,"end":1743.5801,"confidence":0.9448242,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03374504670500755},{"word":"for","start":1743.5801,"end":1743.74,"confidence":0.4790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01108183152973652},{"word":"the","start":1743.74,"end":1743.9,"confidence":0.5810547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01670559123158455},{"word":"area","start":1743.9,"end":1744.06,"confidence":0.77246094,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.017233774065971375},{"word":"at","start":1744.06,"end":1744.22,"confidence":0.9472656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009477119892835615},{"word":"the","start":1744.22,"end":1744.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021415067836642265},{"word":"moment","start":1744.38,"end":1744.88,"confidence":0.9980469,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.008984322659671307},{"word":"yeah","start":1748.78,"end":1749.02,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12371660768985748},{"word":"i","start":1749.02,"end":1749.1,"confidence":0.9350586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23213781416416168},{"word":"think","start":1749.1,"end":1749.34,"confidence":0.98828125,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2074563354253769},{"word":"that's","start":1749.34,"end":1749.5801,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2565918266773224},{"word":"my","start":1749.5801,"end":1749.74,"confidence":0.9838867,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.3795047104358673},{"word":"bad","start":1749.74,"end":1750.185,"confidence":0.77978516,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.32773712277412415},{"word":"advice","start":1750.3451,"end":1750.8451,"confidence":0.66711426,"punctuated_word":"Advice.","sentiment":"neutral","sentiment_score":-0.10009828209877014},{"word":"i've","start":1751.0651,"end":1751.305,"confidence":0.9711914,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13322001695632937},{"word":"received","start":1751.305,"end":1751.7051,"confidence":0.99609375,"punctuated_word":"received","sentiment":"neutral","sentiment_score":-0.14238284528255463},{"word":"the","start":1751.7051,"end":1751.8651,"confidence":0.78466797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12918904423713684},{"word":"papers","start":1751.8651,"end":1752.185,"confidence":0.90283203,"punctuated_word":"papers","sentiment":"neutral","sentiment_score":-0.1553162932395935},{"word":"a","start":1752.185,"end":1752.265,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10934862494468688},{"word":"couple","start":1752.265,"end":1752.505,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.10914164781570436},{"word":"of","start":1752.505,"end":1752.665,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11637701094150545},{"word":"times","start":1752.665,"end":1752.9851,"confidence":0.9980469,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.08412834256887436},{"word":"and","start":1752.9851,"end":1753.145,"confidence":0.86572266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12118501216173172},{"word":"not","start":1753.145,"end":1753.305,"confidence":0.98535156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16703806817531586},{"word":"it's","start":1753.7051,"end":1753.9451,"confidence":0.73413086,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2621985077857971},{"word":"so","start":1753.9451,"end":1754.185,"confidence":0.31640625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2243211269378662},{"word":"bad","start":1754.185,"end":1754.685,"confidence":0.8601074,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.17822253704071045},{"word":"yeah","start":1755.305,"end":1755.625,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04964242875576019},{"word":"it","start":1755.625,"end":1755.8651,"confidence":0.96875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08296364545822144},{"word":"it","start":1755.8651,"end":1756.025,"confidence":0.95947266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11537554115056992},{"word":"will","start":1756.025,"end":1756.265,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1364303082227707},{"word":"be","start":1756.265,"end":1756.425,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13572102785110474},{"word":"there","start":1756.425,"end":1756.925,"confidence":0.8491211,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07531829178333282},{"word":"i","start":1758.905,"end":1759.0651,"confidence":0.49951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11074833571910858},{"word":"don't","start":1759.0651,"end":1759.2251,"confidence":0.7003174,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11744850873947144},{"word":"know","start":1759.2251,"end":1759.385,"confidence":0.91015625,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12057623267173768},{"word":"when","start":1759.385,"end":1759.545,"confidence":0.9550781,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.11620749533176422},{"word":"you","start":1759.545,"end":1759.625,"confidence":0.7680664,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.115502268075943},{"word":"go","start":1759.625,"end":1759.8651,"confidence":0.53271484,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.09572286903858183},{"word":"to","start":1759.8651,"end":1760.1051,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08992364257574081},{"word":"post","start":1760.1051,"end":1760.3451,"confidence":0.7866211,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.10051647573709488},{"word":"office","start":1760.3451,"end":1760.665,"confidence":0.98828125,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.07059203088283539},{"word":"anymore","start":1760.665,"end":1760.9851,"confidence":0.8051758,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.12448770552873611},{"word":"so","start":1760.9851,"end":1761.145,"confidence":0.60791016,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10993749648332596},{"word":"i","start":1761.145,"end":1761.2251,"confidence":0.89990234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.104887455701828},{"word":"guess","start":1761.2251,"end":1761.385,"confidence":0.9980469,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.15508700907230377},{"word":"i","start":1761.385,"end":1761.4651,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14352312684059143},{"word":"need","start":1761.4651,"end":1761.625,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.15474720299243927},{"word":"to","start":1761.625,"end":1761.7051,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11737917363643646},{"word":"go","start":1761.7051,"end":1761.8651,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11426776647567748},{"word":"to","start":1761.8651,"end":1761.9451,"confidence":0.93603516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1040128767490387},{"word":"get","start":1761.9451,"end":1762.025,"confidence":0.98095703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0980658084154129},{"word":"a","start":1762.025,"end":1762.1051,"confidence":0.84472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08218950033187866},{"word":"wheel","start":1762.1051,"end":1762.265,"confidence":0.7055664,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":-0.0442265085875988},{"word":"the","start":1762.3451,"end":1762.505,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06476835906505585},{"word":"wheel","start":1762.505,"end":1762.7451,"confidence":0.8540039,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":-0.049962908029556274},{"word":"thing","start":1762.7451,"end":1762.905,"confidence":0.9819336,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0825359970331192},{"word":"anyway","start":1762.905,"end":1763.405,"confidence":0.9243164,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.08350037038326263},{"word":"yeah","start":1766.39,"end":1766.55,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008936946280300617},{"word":"i","start":1766.55,"end":1766.63,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016468781977891922},{"word":"mean","start":1766.63,"end":1766.87,"confidence":0.9916992,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.011690808460116386},{"word":"it","start":1766.87,"end":1767.1101,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002691693603992462},{"word":"it","start":1767.1101,"end":1767.27,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0013506338000297546},{"word":"can","start":1767.27,"end":1767.43,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.004896916449069977},{"word":"only","start":1767.43,"end":1767.67,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.00995425507426262},{"word":"be","start":1767.67,"end":1767.75,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.001789487898349762},{"word":"your","start":1767.75,"end":1767.91,"confidence":0.88720703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.005515769124031067},{"word":"partner","start":1767.91,"end":1768.41,"confidence":0.76831055,"punctuated_word":"partner.","sentiment":"neutral","sentiment_score":-0.01286994107067585},{"word":"right","start":1768.75,"end":1769.25,"confidence":0.9926758,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.001174895092844963},{"word":"or","start":1769.5901,"end":1769.75,"confidence":0.65185547,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.003492804244160652},{"word":"any","start":1769.75,"end":1769.9901,"confidence":0.88134766,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.006059294566512108},{"word":"line","start":1769.9901,"end":1770.4901,"confidence":0.32373047,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.003016393631696701},{"word":"dependent","start":1772.7101,"end":1773.1101,"confidence":0.8503418,"punctuated_word":"dependent?","sentiment":"neutral","sentiment_score":0.0018599890172481537},{"word":"yeah","start":1773.1101,"end":1773.51,"confidence":0.95654297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002408022992312908},{"word":"but","start":1773.51,"end":1774.01,"confidence":0.4111328,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.002132408320903778},{"word":"yeah","start":1778.39,"end":1778.63,"confidence":0.97265625,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.017104897648096085},{"word":"no","start":1778.63,"end":1778.79,"confidence":0.8503418,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05743034929037094},{"word":"so","start":1778.79,"end":1779.015,"confidence":0.6743164,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03590788319706917},{"word":"just","start":1779.015,"end":1779.335,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03730074316263199},{"word":"there","start":1779.335,"end":1779.835,"confidence":0.99316406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03221169486641884},{"word":"yep","start":1790.855,"end":1791.27,"confidence":0.8898926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11743943393230438},{"word":"to","start":1796.63,"end":1796.71,"confidence":0.96972656,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.09674639999866486},{"word":"be","start":1796.71,"end":1796.87,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13378198444843292},{"word":"honest","start":1796.87,"end":1797.37,"confidence":0.96118164,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":-0.12219888716936111},{"word":"i","start":1797.59,"end":1797.75,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17183002829551697},{"word":"think","start":1797.75,"end":1797.99,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20104379951953888},{"word":"i","start":1797.99,"end":1798.15,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2191848456859589},{"word":"still","start":1798.15,"end":1798.47,"confidence":0.6455078,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2405687719583511},{"word":"got","start":1798.47,"end":1798.71,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2316049188375473},{"word":"the","start":1798.71,"end":1798.79,"confidence":0.8442383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2087508887052536},{"word":"old","start":1798.79,"end":1799.03,"confidence":0.99902344,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.21580587327480316},{"word":"one","start":1799.03,"end":1799.53,"confidence":0.9572754,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.19196806848049164},{"word":"does","start":1801.59,"end":1801.8301,"confidence":0.96777344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.10711660981178284},{"word":"it","start":1801.8301,"end":1801.99,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10452580451965332},{"word":"need","start":1801.99,"end":1802.23,"confidence":0.9873047,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1035006046295166},{"word":"to","start":1802.23,"end":1802.39,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11641884595155716},{"word":"be","start":1802.39,"end":1802.55,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11585180461406708},{"word":"oh","start":1802.79,"end":1802.87,"confidence":0.92578125,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.12930092215538025},{"word":"yeah","start":1802.87,"end":1803.11,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09595328569412231},{"word":"no","start":1803.11,"end":1803.27,"confidence":0.97265625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2296622097492218},{"word":"i've","start":1803.27,"end":1803.67,"confidence":0.9428711,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.22980105876922607},{"word":"i've","start":1803.67,"end":1803.91,"confidence":0.97875977,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.22571828961372375},{"word":"signed","start":1803.91,"end":1804.15,"confidence":0.97998047,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":-0.18525229394435885},{"word":"them","start":1804.15,"end":1804.55,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.18602460622787476},{"word":"in","start":1804.55,"end":1805.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16354411840438843},{"word":"2024","start":1805.03,"end":1805.99,"confidence":0.8918457,"punctuated_word":"2024.","sentiment":"neutral","sentiment_score":-0.16399499773979187},{"word":"just","start":1805.99,"end":1806.315,"confidence":0.609375,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.22342754900455475},{"word":"do","start":1806.3949,"end":1806.5549,"confidence":0.4909668,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.35711362957954407},{"word":"not","start":1806.5549,"end":1806.715,"confidence":0.9838867,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3016910254955292},{"word":"post","start":1806.715,"end":1806.875,"confidence":0.90234375,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.26042819023132324},{"word":"with","start":1806.875,"end":1807.0349,"confidence":0.7475586,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2673611044883728},{"word":"them","start":1807.0349,"end":1807.2749,"confidence":0.984375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.30791258811950684},{"word":"back","start":1807.2749,"end":1807.7749,"confidence":0.7590332,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.25351274013519287},{"word":"yeah","start":1808.715,"end":1808.955,"confidence":0.9003906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01732032001018524},{"word":"maybe","start":1808.955,"end":1809.2749,"confidence":0.99902344,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.038316644728183746},{"word":"no","start":1812.075,"end":1812.3949,"confidence":0.96875,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.25479012727737427},{"word":"i","start":1812.3949,"end":1812.5549,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2891825735569},{"word":"haven't","start":1812.5549,"end":1812.875,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2579319477081299},{"word":"got","start":1812.875,"end":1813.0349,"confidence":0.9838867,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2450508326292038},{"word":"a","start":1813.0349,"end":1813.195,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1911732703447342},{"word":"witness","start":1813.195,"end":1813.5149,"confidence":0.9169922,"punctuated_word":"witness.","sentiment":"neutral","sentiment_score":-0.19831842184066772},{"word":"i","start":1813.5149,"end":1813.595,"confidence":0.9951172,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3338809013366699},{"word":"don't","start":1813.595,"end":1813.7549,"confidence":0.9663086,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2940030097961426},{"word":"i","start":1813.9149,"end":1813.995,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2763690650463104},{"word":"think","start":1813.995,"end":1814.1549,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.24811293184757233},{"word":"that","start":1814.1549,"end":1814.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29035037755966187},{"word":"was","start":1814.315,"end":1814.5549,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.3006497621536255},{"word":"i","start":1814.5549,"end":1814.6349,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3211943209171295},{"word":"think","start":1814.6349,"end":1814.7949,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.3109930157661438},{"word":"that","start":1814.7949,"end":1814.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3324414789676666},{"word":"was","start":1814.955,"end":1815.115,"confidence":1.0,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4163471758365631},{"word":"my","start":1815.115,"end":1815.2749,"confidence":0.99902344,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.4497727155685425},{"word":"roadblock","start":1815.2749,"end":1815.7749,"confidence":0.85091144,"punctuated_word":"roadblock,","sentiment":"neutral","sentiment_score":-0.31440863013267517},{"word":"actually","start":1815.835,"end":1816.335,"confidence":0.9975586,"punctuated_word":"actually.","sentiment":"neutral","sentiment_score":-0.2594689428806305},{"word":"i","start":1817.595,"end":1817.7549,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3086577355861664},{"word":"kept","start":1817.7549,"end":1817.995,"confidence":0.91503906,"punctuated_word":"kept","sentiment":"negative","sentiment_score":-0.3369128108024597},{"word":"forgetting","start":1817.995,"end":1818.315,"confidence":0.95410156,"punctuated_word":"forgetting","sentiment":"neutral","sentiment_score":-0.219035342335701},{"word":"to","start":1818.315,"end":1818.475,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21430382132530212},{"word":"take","start":1818.475,"end":1818.6349,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.16042473912239075},{"word":"them","start":1818.6349,"end":1818.875,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.12951096892356873},{"word":"out","start":1818.875,"end":1819.0349,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.15164098143577576},{"word":"with","start":1819.0349,"end":1819.195,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1810526102781296},{"word":"me","start":1819.195,"end":1819.695,"confidence":0.99853516,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.13021320104599},{"word":"yeah","start":1834.49,"end":1834.875,"confidence":0.779541,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.027455493807792664},{"word":"if","start":1835.755,"end":1835.915,"confidence":0.9223633,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.029861055314540863},{"word":"you","start":1835.915,"end":1836.075,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04260854050517082},{"word":"can","start":1836.075,"end":1836.235,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.044224195182323456},{"word":"email","start":1836.235,"end":1836.555,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.055297333747148514},{"word":"it","start":1836.555,"end":1836.635,"confidence":0.8330078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05076270550489426},{"word":"to","start":1836.635,"end":1836.715,"confidence":0.8935547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0500016063451767},{"word":"me","start":1836.715,"end":1837.035,"confidence":0.9838867,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.04527111351490021},{"word":"i","start":1837.035,"end":1837.275,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.042144775390625},{"word":"can","start":1837.275,"end":1837.775,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03380125015974045},{"word":"i","start":1837.915,"end":1838.075,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10466082394123076},{"word":"can","start":1838.075,"end":1838.235,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11287503689527512},{"word":"do","start":1838.235,"end":1838.395,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0918671265244484},{"word":"that","start":1838.395,"end":1838.895,"confidence":0.9941406,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1015203595161438},{"word":"and","start":1844.395,"end":1844.555,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.019352730363607407},{"word":"then","start":1844.555,"end":1844.715,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0201499592512846},{"word":"i","start":1844.715,"end":1844.795,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026659846305847168},{"word":"can","start":1844.795,"end":1844.955,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026454223319888115},{"word":"just","start":1844.955,"end":1845.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04770176112651825},{"word":"email","start":1845.275,"end":1845.595,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.028012676164507862},{"word":"it","start":1845.595,"end":1845.755,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.009435957297682762},{"word":"back","start":1845.755,"end":1846.255,"confidence":0.95996094,"punctuated_word":"back?","sentiment":"neutral","sentiment_score":0.018317749723792076},{"word":"yeah","start":1855.4501,"end":1855.9501,"confidence":0.71643066,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09276240319013596},{"word":"sure","start":1858.73,"end":1859.23,"confidence":0.94091797,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.18395447731018064},{"word":"yes","start":1870.8351,"end":1871.3351,"confidence":0.9016113,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.049268271774053574},{"word":"yeah","start":1883.01,"end":1883.51,"confidence":0.75341797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0032521840184926987},{"word":"yeah","start":1895.505,"end":1896.005,"confidence":0.9499512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03080848604440689},{"word":"yeah","start":1896.625,"end":1897.0249,"confidence":0.9279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029358308762311935},{"word":"i","start":1897.0249,"end":1897.105,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02029350772500038},{"word":"mean","start":1897.105,"end":1897.605,"confidence":0.9145508,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03321918100118637},{"word":"it's","start":1900.18,"end":1900.54,"confidence":0.65966797,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02977866306900978},{"word":"yeah","start":1900.9,"end":1901.38,"confidence":0.71032715,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03469717130064964},{"word":"they're","start":1901.38,"end":1901.88,"confidence":0.6135254,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.022142302244901657},{"word":"they're","start":1902.26,"end":1902.42,"confidence":0.8991699,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.02183457277715206},{"word":"cleared","start":1902.42,"end":1902.575,"confidence":0.19482422,"punctuated_word":"cleared","sentiment":"neutral","sentiment_score":0.02450333908200264},{"word":"with","start":1902.575,"end":1902.73,"confidence":0.2199707,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.003929760307073593},{"word":"the","start":1902.73,"end":1902.98,"confidence":0.34936523,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029362846165895466},{"word":"medicare","start":1902.98,"end":1903.48,"confidence":0.53778076,"punctuated_word":"Medicare.","sentiment":"neutral","sentiment_score":0.03321972116827965},{"word":"mhmm","start":1907.7,"end":1908.2,"confidence":0.9403076,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08443734049797058},{"word":"yes","start":1914.595,"end":1915.095,"confidence":0.7199707,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17802254855632782},{"word":"mhmm","start":1920.035,"end":1920.535,"confidence":0.9746094,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08429382741451263},{"word":"yep","start":1930.13,"end":1930.29,"confidence":0.85253906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11658914387226103},{"word":"yeah","start":1930.29,"end":1930.79,"confidence":0.8996582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12834767997264862},{"word":"no","start":1932.37,"end":1932.61,"confidence":0.8852539,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.07390530407428741},{"word":"i","start":1932.61,"end":1932.6901,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04512837529182434},{"word":"feel","start":1932.6901,"end":1932.93,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.05803627520799637},{"word":"like","start":1932.93,"end":1933.17,"confidence":0.98291016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.056903108954429626},{"word":"i'll","start":1933.17,"end":1933.3301,"confidence":0.94506836,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0768694132566452},{"word":"i'll","start":1933.3301,"end":1933.49,"confidence":0.9016113,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1527922749519348},{"word":"just","start":1933.49,"end":1933.725,"confidence":0.98828125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15604564547538757},{"word":"i'll","start":1933.725,"end":1934.205,"confidence":0.6870117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16209279000759125},{"word":"leave","start":1934.205,"end":1934.605,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.15313822031021118},{"word":"it","start":1934.605,"end":1935.105,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.215481236577034},{"word":"and","start":1935.245,"end":1935.485,"confidence":0.90478516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21013401448726657},{"word":"let","start":1935.485,"end":1935.725,"confidence":0.9140625,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2286125272512436},{"word":"let","start":1935.725,"end":1935.965,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2272512912750244},{"word":"you","start":1935.965,"end":1936.125,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23455065488815308},{"word":"know","start":1936.125,"end":1936.285,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2295311689376831},{"word":"if","start":1936.285,"end":1936.445,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2152159214019775},{"word":"anything","start":1936.445,"end":1936.845,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.23066425323486328},{"word":"changes","start":1936.845,"end":1937.345,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.19567762315273285},{"word":"so","start":1937.565,"end":1937.725,"confidence":0.4921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13873836398124695},{"word":"i","start":1937.725,"end":1937.8049,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13823950290679932},{"word":"could","start":1937.8049,"end":1937.965,"confidence":0.78125,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.14041808247566223},{"word":"because","start":1939.405,"end":1939.725,"confidence":0.32983398,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13440188765525818},{"word":"i","start":1939.725,"end":1939.8049,"confidence":0.88427734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13682588934898376},{"word":"just","start":1939.8049,"end":1940.0449,"confidence":0.5649414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15042656660079956},{"word":"got","start":1940.0449,"end":1940.285,"confidence":0.5161133,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18109919130802157},{"word":"married","start":1940.285,"end":1940.785,"confidence":0.7224121,"punctuated_word":"married.","sentiment":"neutral","sentiment_score":0.17775942385196686},{"word":"positive","start":1941.085,"end":1941.565,"confidence":0.9223633,"punctuated_word":"Positive","sentiment":"neutral","sentiment_score":0.3065677285194397},{"word":"positive","start":1941.725,"end":1942.225,"confidence":0.72314453,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.4699079394340515},{"word":"foreshadowing","start":1942.285,"end":1942.785,"confidence":0.98339844,"punctuated_word":"foreshadowing.","sentiment":"positive","sentiment_score":0.3717269003391266},{"word":"mhmm","start":1963.765,"end":1964.265,"confidence":0.99279785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09345321357250214},{"word":"yep","start":1974.73,"end":1975.23,"confidence":0.8959961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04194860905408859},{"word":"mhmm","start":1984.1699,"end":1984.6699,"confidence":0.99780273,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02177085541188717},{"word":"i","start":1992.345,"end":1992.4249,"confidence":0.88183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06568926572799683},{"word":"think","start":1992.4249,"end":1992.745,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06821396946907043},{"word":"that's","start":1992.745,"end":1992.985,"confidence":0.9589844,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.039509668946266174},{"word":"okay","start":1993.5449,"end":1993.945,"confidence":0.9855957,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.00012895185500383377},{"word":"at","start":1993.945,"end":1994.105,"confidence":0.2454834,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.00663362629711628},{"word":"the","start":1994.105,"end":1994.1849,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00997123122215271},{"word":"moment","start":1994.1849,"end":1994.6849,"confidence":0.982666,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.019319815561175343},{"word":"yeah","start":2016.72,"end":2017.22,"confidence":0.9160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057497669011354446},{"word":"yep","start":2023.095,"end":2023.595,"confidence":0.89990234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03394172340631485},{"word":"yeah","start":2033.59,"end":2034.09,"confidence":0.7993164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05280469357967377},{"word":"mhmm","start":2035.75,"end":2036.25,"confidence":0.99609375,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.023433033376932144},{"word":"yeah","start":2043.4299,"end":2043.83,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0342959389090538},{"word":"i","start":2043.83,"end":2043.9099,"confidence":0.6425781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16488422453403473},{"word":"put","start":2043.9099,"end":2044.1499,"confidence":0.33032227,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1417899876832962},{"word":"a","start":2044.1499,"end":2044.23,"confidence":0.7529297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1851908266544342},{"word":"good","start":2044.23,"end":2044.3899,"confidence":0.921875,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21640655398368835},{"word":"bank","start":2044.3899,"end":2044.63,"confidence":0.6401367,"punctuated_word":"bank","sentiment":"positive","sentiment_score":0.3786366879940033},{"word":"and","start":2044.63,"end":2044.7899,"confidence":0.5864258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2104605883359909},{"word":"sick","start":2044.7899,"end":2044.95,"confidence":0.5517578,"punctuated_word":"sick","sentiment":"neutral","sentiment_score":0.13921451568603516},{"word":"leave","start":2044.95,"end":2045.19,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.12345974147319794},{"word":"as","start":2045.19,"end":2045.35,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19605934619903564},{"word":"well","start":2045.35,"end":2045.6699,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.210477352142334},{"word":"because","start":2045.6699,"end":2046.075,"confidence":0.7578125,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.18905669450759888},{"word":"like","start":2046.075,"end":2046.575,"confidence":0.9370117,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15642805397510529},{"word":"yeah","start":2047.115,"end":2047.355,"confidence":0.9848633,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.17636853456497192},{"word":"we've","start":2047.355,"end":2047.475,"confidence":0.6159668,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.15911965072155},{"word":"i","start":2047.595,"end":2047.6749,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12445294857025146},{"word":"work","start":2047.6749,"end":2047.9149,"confidence":0.86035156,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.10372087359428406},{"word":"for","start":2047.9149,"end":2048.075,"confidence":0.80566406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10129281133413316},{"word":"the","start":2048.075,"end":2048.155,"confidence":0.80908203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14350102841854095},{"word":"department","start":2048.155,"end":2048.4749,"confidence":0.93408203,"punctuated_word":"Department","sentiment":"neutral","sentiment_score":0.17005132138729095},{"word":"of","start":2048.4749,"end":2048.635,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15435758233070374},{"word":"education","start":2048.635,"end":2048.9548,"confidence":0.74609375,"punctuated_word":"Education,","sentiment":"neutral","sentiment_score":0.13284513354301453},{"word":"so","start":2048.9548,"end":2049.075,"confidence":0.9863281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1423567235469818},{"word":"it","start":2049.075,"end":2049.195,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18233826756477356},{"word":"doesn't","start":2049.195,"end":2049.435,"confidence":0.9946289,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.13684050738811493},{"word":"really","start":2049.435,"end":2049.595,"confidence":0.984375,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07898028194904327},{"word":"matter","start":2049.595,"end":2049.835,"confidence":0.99902344,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.06585018336772919},{"word":"if","start":2049.835,"end":2049.9949,"confidence":0.98535156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06347132474184036},{"word":"i","start":2049.9949,"end":2050.075,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08298130333423615},{"word":"move","start":2050.075,"end":2050.2349,"confidence":0.39868164,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.04177720099687576},{"word":"schools","start":2050.2349,"end":2050.555,"confidence":0.42797852,"punctuated_word":"schools","sentiment":"neutral","sentiment_score":0.03270430862903595},{"word":"and","start":2050.555,"end":2050.795,"confidence":0.33691406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06977719813585281},{"word":"things","start":2050.795,"end":2051.295,"confidence":0.9375,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.09232141077518465},{"word":"it's","start":2051.9949,"end":2052.155,"confidence":0.90527344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22842279076576233},{"word":"still","start":2052.155,"end":2052.395,"confidence":0.9892578,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23757492005825043},{"word":"the","start":2052.395,"end":2052.4749,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21869681775569916},{"word":"same","start":2052.4749,"end":2052.7148,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2465941309928894},{"word":"employer","start":2052.7148,"end":2053.2148,"confidence":0.85961914,"punctuated_word":"employer.","sentiment":"neutral","sentiment_score":0.2371910810470581},{"word":"mhmm","start":2064.78,"end":2065.28,"confidence":0.9527588,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06802347302436829},{"word":"okay","start":2073.725,"end":2074.225,"confidence":0.9794922,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21456483006477356},{"word":"mhmm","start":2084.845,"end":2084.925,"confidence":0.9916992,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09532524645328522},{"word":"yeah","start":2084.925,"end":2085.165,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16860824823379517},{"word":"i","start":2085.165,"end":2085.245,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2167719304561615},{"word":"think","start":2085.245,"end":2085.405,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.27872583270072937},{"word":"that","start":2085.405,"end":2085.66,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3804186284542084},{"word":"should","start":2085.66,"end":2086.16,"confidence":0.99902344,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4456689357757568},{"word":"be","start":2088.6636,"end":2089.1636,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10058706998825072},{"word":"okay","start":2091.6675,"end":2092.1675,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.029744381085038185},{"word":"yep","start":2094.6714,"end":2095.1714,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0954534113407135},{"word":"yes","start":2100.075,"end":2100.575,"confidence":0.6842041,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19393229484558103},{"word":"mhmm","start":2109.595,"end":2109.7551,"confidence":0.99572754,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.016649875789880753},{"word":"not","start":2109.7551,"end":2109.995,"confidence":0.4975586,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.15327265858650208},{"word":"at","start":2109.995,"end":2110.155,"confidence":0.3720703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11225951462984084},{"word":"all","start":2110.155,"end":2110.315,"confidence":0.76708984,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11212670058012009},{"word":"good","start":2110.315,"end":2110.815,"confidence":0.92041016,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":-0.12551984190940857},{"word":"mhmm","start":2119.02,"end":2119.52,"confidence":0.98876953,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1172909289598465},{"word":"yep","start":2127.02,"end":2127.315,"confidence":0.88256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2017212361097336},{"word":"yep","start":2130.275,"end":2130.775,"confidence":0.9692383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16133810579776764},{"word":"right","start":2135.7148,"end":2136.2148,"confidence":0.97265625,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.2594829201698303},{"word":"mhmm","start":2143.15,"end":2143.65,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1375730186700821},{"word":"yeah","start":2151.95,"end":2152.45,"confidence":0.8796387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09666875749826433},{"word":"okay","start":2154.51,"end":2154.99,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1606520563364029},{"word":"perfect","start":2154.99,"end":2155.49,"confidence":0.9746094,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.16532161831855774},{"word":"sorry","start":2156.2449,"end":2156.565,"confidence":0.91064453,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.033468231558799744},{"word":"sorry","start":2156.565,"end":2156.9648,"confidence":0.9543457,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.07423800975084305},{"word":"i","start":2156.9648,"end":2157.045,"confidence":0.72216797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06534378975629807},{"word":"was","start":2157.045,"end":2157.365,"confidence":0.9770508,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.056849975138902664},{"word":"right","start":2157.365,"end":2157.605,"confidence":0.5991211,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.04300294071435928},{"word":"at","start":2157.605,"end":2157.685,"confidence":0.91748047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.042855072766542435},{"word":"the","start":2157.685,"end":2157.765,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03474690765142441},{"word":"beginning","start":2157.765,"end":2157.845,"confidence":0.9116211,"punctuated_word":"beginning","sentiment":"neutral","sentiment_score":-0.027120176702737808},{"word":"of","start":2157.845,"end":2157.9248,"confidence":0.54541016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021094176918268204},{"word":"the","start":2157.9248,"end":2158.005,"confidence":0.65234375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022252313792705536},{"word":"call","start":2158.005,"end":2158.2449,"confidence":0.99609375,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.026954371482133865},{"word":"did","start":2158.2449,"end":2158.405,"confidence":0.99316406,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.030718784779310223},{"word":"you","start":2158.405,"end":2158.4849,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02165951207280159},{"word":"say","start":2158.4849,"end":2158.565,"confidence":0.9536133,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.019795384258031845},{"word":"it","start":2158.565,"end":2158.645,"confidence":0.58984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02735171280801296},{"word":"was","start":2158.645,"end":2158.805,"confidence":0.96972656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.026982340961694717},{"word":"about","start":2158.805,"end":2159.045,"confidence":0.82910156,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.019092578440904617},{"word":"5","start":2159.045,"end":2159.285,"confidence":0.99609375,"punctuated_word":"5","sentiment":"neutral","sentiment_score":-0.017696209251880646},{"word":"k","start":2159.285,"end":2159.785,"confidence":0.97802734,"punctuated_word":"k","sentiment":"neutral","sentiment_score":-0.02072109840810299},{"word":"at","start":2160.405,"end":2160.4849,"confidence":0.54248047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0322723314166069},{"word":"like","start":2160.805,"end":2161.125,"confidence":0.5437012,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03725674003362656},{"word":"last","start":2161.125,"end":2161.285,"confidence":0.98291016,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.022243034094572067},{"word":"time","start":2161.285,"end":2161.445,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.01016208529472351},{"word":"we","start":2161.445,"end":2161.605,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009751051664352415},{"word":"did","start":2161.605,"end":2161.765,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.016875967383384705},{"word":"our","start":2161.765,"end":2161.925,"confidence":0.9350586,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0062448009848594666},{"word":"review","start":2161.925,"end":2162.2449,"confidence":0.9770508,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.00420442596077919},{"word":"for","start":2162.2449,"end":2162.405,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.007656894624233246},{"word":"these","start":2162.405,"end":2162.565,"confidence":0.6323242,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.008792214095592499},{"word":"shares","start":2162.565,"end":2163.065,"confidence":0.91015625,"punctuated_word":"shares?","sentiment":"neutral","sentiment_score":-0.011779007501900196},{"word":"when","start":2167.845,"end":2168.085,"confidence":0.7944336,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.012573296204209328},{"word":"we","start":2168.085,"end":2168.165,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.001995271071791649},{"word":"were","start":2168.165,"end":2168.325,"confidence":0.9941406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.006385769695043564},{"word":"discussing","start":2168.325,"end":2168.805,"confidence":0.9980469,"punctuated_word":"discussing","sentiment":"neutral","sentiment_score":0.002604883164167404},{"word":"the","start":2168.805,"end":2168.9648,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004771951586008072},{"word":"shares","start":2168.9648,"end":2169.285,"confidence":0.99902344,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.006995106115937233},{"word":"before","start":2169.285,"end":2169.785,"confidence":0.8642578,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.004524189978837967},{"word":"from","start":2169.925,"end":2170.085,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0009705498814582824},{"word":"what","start":2170.085,"end":2170.2449,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.00180690735578537},{"word":"i","start":2170.2449,"end":2170.405,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002828288823366165},{"word":"had","start":2170.405,"end":2170.645,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":4.4330954551696777e-7},{"word":"last","start":2170.645,"end":2171.045,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0052116308361291885},{"word":"year","start":2171.045,"end":2171.545,"confidence":0.98706055,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.001167643815279007},{"word":"was","start":2171.8298,"end":2172.0698,"confidence":0.9863281,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.011732688173651695},{"word":"it","start":2172.0698,"end":2172.15,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.001402704045176506},{"word":"around","start":2172.15,"end":2172.63,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0037150438874959946},{"word":"5","start":2172.63,"end":2173.13,"confidence":0.9951172,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.003869127482175827},{"word":"k","start":2175.67,"end":2176.17,"confidence":0.97802734,"punctuated_word":"k?","sentiment":"neutral","sentiment_score":-0.007581830956041813},{"word":"okay","start":2180.5498,"end":2181.0498,"confidence":0.7675781,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.024275798350572583},{"word":"yeah","start":2182.0698,"end":2182.5698,"confidence":0.7108154,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013682889752089976},{"word":"okay","start":2183.5898,"end":2184.0698,"confidence":0.9736328,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.38338732719421387},{"word":"good","start":2184.0698,"end":2184.39,"confidence":0.9641113,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.6456359028816223},{"word":"great","start":2184.39,"end":2184.825,"confidence":0.97753906,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.6834578514099121},{"word":"mhmm","start":2195.385,"end":2195.885,"confidence":0.979126,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.041864048689603806},{"word":"okay","start":2202.9202,"end":2203.4202,"confidence":0.98339844,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10105268657207488},{"word":"yeah","start":2206.76,"end":2207.26,"confidence":0.91015625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050605881959199905},{"word":"yeah","start":2211.56,"end":2212.06,"confidence":0.8015137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0072823455557227135},{"word":"yep","start":2218.015,"end":2218.255,"confidence":0.8095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07009365409612656},{"word":"and","start":2218.255,"end":2218.4949,"confidence":0.6855469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0406133309006691},{"word":"then","start":2218.4949,"end":2218.7349,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.034825365990400314},{"word":"i","start":2218.7349,"end":2218.895,"confidence":0.49365234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02939959615468979},{"word":"guess","start":2218.895,"end":2219.135,"confidence":0.9951172,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.02748558670282364},{"word":"sorry","start":2219.215,"end":2219.535,"confidence":0.93066406,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.010893439874053},{"word":"i","start":2219.535,"end":2219.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009041454643011091},{"word":"said","start":2219.695,"end":2219.855,"confidence":0.99121094,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.011460985988378525},{"word":"i","start":2219.855,"end":2219.935,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007590338587760925},{"word":"had","start":2219.935,"end":2220.095,"confidence":0.7338867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.017965488135814667},{"word":"no","start":2220.095,"end":2220.255,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.010454412549734116},{"word":"questions","start":2220.255,"end":2220.755,"confidence":0.9794922,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":-0.01352975144982338},{"word":"the","start":2220.815,"end":2220.9749,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.017266791313886642},{"word":"only","start":2220.9749,"end":2221.295,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.031932931393384933},{"word":"other","start":2221.295,"end":2221.535,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03695771098136902},{"word":"thing","start":2221.535,"end":2221.695,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.028423845767974857},{"word":"that","start":2221.695,"end":2221.855,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03081039711833},{"word":"i","start":2221.855,"end":2222.015,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027703668922185894},{"word":"was","start":2222.015,"end":2222.175,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04341873526573181},{"word":"thinking","start":2222.175,"end":2222.575,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.037020958960056305},{"word":"about","start":2222.575,"end":2222.9749,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06411673128604889},{"word":"was","start":2222.9749,"end":2223.4749,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06501860171556473},{"word":"is","start":2224.575,"end":2225.075,"confidence":0.4794922,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0723915547132492},{"word":"salary","start":2225.46,"end":2225.94,"confidence":0.9970703,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.10229021310806274},{"word":"sacrificing","start":2225.94,"end":2226.44,"confidence":0.9980469,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.09076663106679916},{"word":"into","start":2226.5,"end":2226.74,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.11604011058807372},{"word":"my","start":2226.74,"end":2226.9,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07364039868116379},{"word":"super","start":2226.9,"end":2227.22,"confidence":0.7792969,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.011752739548683168},{"word":"something","start":2227.22,"end":2227.54,"confidence":0.98828125,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.07552064955234528},{"word":"that","start":2227.54,"end":2227.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.042321860790252686},{"word":"i","start":2227.7,"end":2227.8599,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05052536725997925},{"word":"should","start":2227.8599,"end":2228.02,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.06759324669837952},{"word":"be","start":2228.02,"end":2228.18,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04669513553380966},{"word":"considering","start":2228.18,"end":2228.66,"confidence":1.0,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":-0.0876607894897461},{"word":"now","start":2228.66,"end":2229.06,"confidence":0.7022705,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.02949800342321396},{"word":"or","start":2229.06,"end":2229.3,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.051004812121391296},{"word":"it's","start":2229.3,"end":2229.8,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03842153400182724},{"word":"like","start":2230.26,"end":2230.76,"confidence":0.7409668,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01877751760184765},{"word":"you","start":2231.78,"end":2231.94,"confidence":0.80371094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04229770600795746},{"word":"know","start":2231.94,"end":2232.26,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05089627578854561},{"word":"something","start":2232.26,"end":2232.74,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.10240364074707033},{"word":"to","start":2232.74,"end":2232.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0696272924542427},{"word":"think","start":2232.9,"end":2233.06,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06127575784921646},{"word":"about","start":2233.06,"end":2233.38,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06548461318016052},{"word":"later","start":2233.38,"end":2233.6199,"confidence":1.0,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.03734906762838363},{"word":"on","start":2233.6199,"end":2234.1199,"confidence":0.9875488,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.02176082134246826},{"word":"mhmm","start":2240.18,"end":2240.505,"confidence":0.9949951,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07420572638511658},{"word":"mhmm","start":2252.1848,"end":2252.52,"confidence":0.9649658,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2040185034275055},{"word":"yep","start":2256.76,"end":2257.26,"confidence":0.7932129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27622830867767334},{"word":"mhmm","start":2270.275,"end":2270.775,"confidence":0.97998047,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.025797775015234947},{"word":"yep","start":2279.7148,"end":2280.12,"confidence":0.9785156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1105840802192688},{"word":"mhmm","start":2286.2002,"end":2286.7002,"confidence":0.9802246,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04354932904243469},{"word":"yes","start":2288.84,"end":2289.34,"confidence":0.9597168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06126042455434799},{"word":"yeah","start":2297.015,"end":2297.515,"confidence":0.77001953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03950507938861847},{"word":"mhmm","start":2304.135,"end":2304.635,"confidence":0.97875977,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.007212960626929998},{"word":"yeah","start":2312.25,"end":2312.75,"confidence":0.7919922,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05381499603390694},{"word":"yeah","start":2318.57,"end":2319.07,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051338616758584976},{"word":"hopefully","start":2319.69,"end":2320.19,"confidence":0.982666,"punctuated_word":"Hopefully.","sentiment":"neutral","sentiment_score":0.08902411162853241},{"word":"yeah","start":2321.875,"end":2322.275,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0949377417564392},{"word":"ideally","start":2322.275,"end":2322.6748,"confidence":0.984375,"punctuated_word":"Ideally,","sentiment":"neutral","sentiment_score":0.13691537082195282},{"word":"we're","start":2322.6748,"end":2322.9148,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1646813303232193},{"word":"hoping","start":2322.9148,"end":2323.315,"confidence":0.99609375,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.15944916009902954},{"word":"that","start":2323.315,"end":2323.635,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03559908643364906},{"word":"within","start":2323.635,"end":2323.875,"confidence":0.9482422,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.0485454723238945},{"word":"the","start":2323.875,"end":2324.035,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05256931483745575},{"word":"next","start":2324.035,"end":2324.275,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05538530275225639},{"word":"twelve","start":2324.275,"end":2324.515,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.06834970414638519},{"word":"months","start":2324.515,"end":2325.015,"confidence":0.7426758,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.05898265913128853},{"word":"probably","start":2326.355,"end":2326.6748,"confidence":0.5620117,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.11616304516792296},{"word":"on","start":2326.6748,"end":2326.835,"confidence":0.8769531,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08700250834226608},{"word":"maternity","start":2326.835,"end":2327.315,"confidence":1.0,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":0.10562968999147417},{"word":"leave","start":2327.315,"end":2327.815,"confidence":1.0,"punctuated_word":"leave.","sentiment":"neutral","sentiment_score":0.09279249608516692},{"word":"yeah","start":2335.2,"end":2335.7,"confidence":0.9338379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.030256863683462143},{"word":"but","start":2336.24,"end":2336.56,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.008007161319255829},{"word":"i","start":2336.56,"end":2336.72,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015079915523529053},{"word":"do","start":2336.72,"end":2336.96,"confidence":0.82299805,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.04385645315051079},{"word":"like","start":2336.96,"end":2337.28,"confidence":0.9802246,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.087624192237854},{"word":"envision","start":2337.28,"end":2337.76,"confidence":0.9951172,"punctuated_word":"envision","sentiment":"neutral","sentiment_score":0.15276697278022766},{"word":"that","start":2337.76,"end":2337.84,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10256025195121764},{"word":"i","start":2337.84,"end":2338.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0707528218626976},{"word":"will","start":2338.0,"end":2338.16,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04318200796842575},{"word":"go","start":2338.16,"end":2338.32,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04827352613210678},{"word":"back","start":2338.32,"end":2338.56,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05114588886499405},{"word":"part","start":2338.56,"end":2338.8801,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.07687374949455261},{"word":"time","start":2338.8801,"end":2339.3801,"confidence":0.7624512,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07846899330615997},{"word":"whether","start":2341.28,"end":2341.6,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.09240547567605972},{"word":"that's","start":2341.6,"end":2341.84,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.026681801304221153},{"word":"a","start":2341.84,"end":2342.0,"confidence":0.5732422,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03873384743928909},{"word":"twelve","start":2342.0,"end":2342.24,"confidence":0.9941406,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.043331608176231384},{"word":"month","start":2342.24,"end":2342.56,"confidence":0.8720703,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.017709020525217056},{"word":"or","start":2342.56,"end":2343.06,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05646759271621704},{"word":"potentially","start":2343.6,"end":2344.1,"confidence":0.9243164,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.004585094749927521},{"word":"a","start":2344.24,"end":2344.32,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003248751163482666},{"word":"little","start":2344.32,"end":2344.56,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.012395523488521576},{"word":"bit","start":2344.56,"end":2344.72,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0002898871898651123},{"word":"before","start":2344.72,"end":2344.96,"confidence":0.78686523,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.015196450054645538},{"word":"a","start":2344.96,"end":2345.12,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00773601233959198},{"word":"little","start":2345.12,"end":2345.28,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0046992674469947815},{"word":"bit","start":2345.28,"end":2345.44,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.015663333237171173},{"word":"after","start":2345.44,"end":2345.805,"confidence":0.99560547,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":-0.006585936993360519},{"word":"yep","start":2356.6848,"end":2357.1848,"confidence":0.9326172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0928211510181427},{"word":"mhmm","start":2365.82,"end":2366.32,"confidence":0.9741211,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07873470336198807},{"word":"yeah","start":2370.22,"end":2370.72,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.059696272015571594},{"word":"okay","start":2372.3,"end":2372.8,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.040470633655786514},{"word":"cool","start":2373.105,"end":2373.605,"confidence":0.99365234,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.08102422207593918},{"word":"mhmm","start":2381.345,"end":2381.845,"confidence":0.93933105,"punctuated_word":"Mhmm.","sentiment":"negative","sentiment_score":-0.4454897046089173},{"word":"yeah","start":2383.505,"end":2384.005,"confidence":0.72106934,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08025585114955902},{"word":"mhmm","start":2393.92,"end":2394.42,"confidence":0.9892578,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.004813614301383495},{"word":"yeah","start":2402.655,"end":2403.155,"confidence":0.7414551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0990285575389862},{"word":"yeah","start":2414.2,"end":2414.7,"confidence":0.84643555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09784448891878128},{"word":"mhmm","start":2436.335,"end":2436.835,"confidence":0.9688721,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.06413297355175018},{"word":"yeah","start":2445.47,"end":2445.97,"confidence":0.79052734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2888384759426117},{"word":"mhmm","start":2452.27,"end":2452.755,"confidence":0.99035645,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10478344559669496},{"word":"yeah","start":2455.3948,"end":2455.8948,"confidence":0.79052734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07384049892425537},{"word":"okay","start":2458.115,"end":2458.595,"confidence":0.9951172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2839152216911316},{"word":"cool","start":2458.595,"end":2459.095,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.3286782503128052},{"word":"yeah","start":2464.835,"end":2465.25,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10359875112771988},{"word":"mhmm","start":2469.09,"end":2469.59,"confidence":0.99658203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07055261731147766},{"word":"mhmm","start":2476.69,"end":2476.77,"confidence":0.9851074,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08905930072069168},{"word":"yep","start":2476.77,"end":2477.27,"confidence":0.74450684,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14671100676059723},{"word":"yep","start":2478.61,"end":2478.885,"confidence":0.8508301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2015303820371628},{"word":"yeah","start":2480.805,"end":2481.045,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22670376300811768},{"word":"yeah","start":2481.045,"end":2481.545,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.32705140113830566},{"word":"cool","start":2481.685,"end":2482.185,"confidence":0.9597168,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.430778443813324},{"word":"yeah","start":2487.845,"end":2488.345,"confidence":0.76464844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21017588675022125},{"word":"i","start":2488.565,"end":2488.725,"confidence":0.96777344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3763657808303833},{"word":"guess","start":2488.725,"end":2489.045,"confidence":0.93359375,"punctuated_word":"guess","sentiment":"positive","sentiment_score":0.5081275701522827},{"word":"my","start":2489.045,"end":2489.545,"confidence":0.8203125,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4214294254779816},{"word":"my","start":2489.845,"end":2490.165,"confidence":0.9086914,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1909991055727005},{"word":"mindset","start":2490.165,"end":2490.645,"confidence":0.99316406,"punctuated_word":"mindset","sentiment":"positive","sentiment_score":0.3845338225364685},{"word":"is","start":2490.645,"end":2490.885,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29390496015548706},{"word":"kind","start":2490.885,"end":2491.125,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.25336652994155884},{"word":"of","start":2491.125,"end":2491.285,"confidence":0.7705078,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.24370929598808289},{"word":"like","start":2491.285,"end":2491.365,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.25892436504364014},{"word":"i","start":2491.525,"end":2491.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2758774161338806},{"word":"think","start":2491.605,"end":2491.925,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.4435685276985169},{"word":"i'm","start":2491.925,"end":2492.165,"confidence":0.9873047,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4127354621887207},{"word":"very","start":2492.165,"end":2492.485,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.500666081905365},{"word":"much","start":2492.485,"end":2492.805,"confidence":0.93237305,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.45365267992019653},{"word":"like","start":2492.805,"end":2493.03,"confidence":0.9885254,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3903467655181885},{"word":"live","start":2493.51,"end":2493.59,"confidence":0.5239258,"punctuated_word":"live","sentiment":"positive","sentiment_score":0.5086637139320374},{"word":"to","start":2493.59,"end":2493.75,"confidence":0.99121094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5152608752250671},{"word":"my","start":2493.75,"end":2493.99,"confidence":0.9873047,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4292287826538086},{"word":"me","start":2493.99,"end":2494.49,"confidence":0.8483887,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.3570302128791809},{"word":"so","start":2494.55,"end":2494.79,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.225517600774765},{"word":"it's","start":2494.79,"end":2494.87,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.32188552618026733},{"word":"like","start":2494.87,"end":2495.37,"confidence":0.63378906,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19541636109352112},{"word":"if","start":2497.27,"end":2497.51,"confidence":0.8105469,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.42841798067092896},{"word":"i","start":2497.51,"end":2497.67,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3156241774559021},{"word":"can","start":2497.67,"end":2497.91,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29353296756744385},{"word":"it's","start":2498.07,"end":2498.3901,"confidence":0.7446289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21557258069515228},{"word":"if","start":2498.55,"end":2498.79,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2247038185596466},{"word":"i","start":2498.79,"end":2498.87,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16029037535190582},{"word":"can","start":2498.87,"end":2499.19,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1321006566286087},{"word":"afford","start":2499.19,"end":2499.69,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":0.2761054039001465},{"word":"to","start":2500.3901,"end":2500.55,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26108884811401367},{"word":"do","start":2500.55,"end":2500.79,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2474653422832489},{"word":"it","start":2500.79,"end":2501.29,"confidence":0.99560547,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.15432514250278473},{"word":"i","start":2501.83,"end":2501.99,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11402210593223572},{"word":"would","start":2501.99,"end":2502.31,"confidence":0.59765625,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.021158553659915924},{"word":"just","start":2502.31,"end":2502.3901,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013225197792053224},{"word":"like","start":2502.55,"end":2502.71,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.028771109879016876},{"word":"i","start":2502.71,"end":2502.87,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09722641855478288},{"word":"i","start":2502.87,"end":2503.19,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1639972627162933},{"word":"i","start":2503.19,"end":2503.27,"confidence":0.87353516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21060751378536224},{"word":"don't","start":2503.27,"end":2503.51,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12594005465507507},{"word":"feel","start":2503.51,"end":2503.67,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.16050489246845245},{"word":"like","start":2503.67,"end":2503.91,"confidence":0.92578125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16933304071426392},{"word":"i'll","start":2503.91,"end":2503.99,"confidence":0.52490234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.1571551114320755},{"word":"there'll","start":2504.07,"end":2504.31,"confidence":0.9819336,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":-0.07591944932937622},{"word":"be","start":2504.31,"end":2504.47,"confidence":0.9645996,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.01971973478794098},{"word":"like","start":2504.47,"end":2504.55,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.004784606397151947},{"word":"a","start":2504.55,"end":2504.71,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005419835448265076},{"word":"big","start":2504.71,"end":2504.95,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.042781755328178406},{"word":"lifestyle","start":2504.95,"end":2505.43,"confidence":0.984375,"punctuated_word":"lifestyle","sentiment":"neutral","sentiment_score":-0.018377572298049927},{"word":"shift","start":2505.43,"end":2505.67,"confidence":0.9980469,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":0.09419916570186616},{"word":"or","start":2505.67,"end":2505.91,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02844102680683136},{"word":"anything","start":2505.91,"end":2506.1501,"confidence":0.8256836,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.045167915523052216},{"word":"so","start":2506.1501,"end":2506.31,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0745084285736084},{"word":"if","start":2506.31,"end":2506.3901,"confidence":0.8120117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18700677156448364},{"word":"it's","start":2506.3901,"end":2506.55,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19297990202903748},{"word":"something","start":2506.55,"end":2506.87,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.28732073307037354},{"word":"that","start":2506.87,"end":2507.19,"confidence":0.96777344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25608617067337036},{"word":"will","start":2507.19,"end":2507.35,"confidence":0.9223633,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20423971116542816},{"word":"have","start":2507.35,"end":2507.59,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3041512668132782},{"word":"a","start":2507.59,"end":2507.67,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29659464955329895},{"word":"big","start":2507.67,"end":2507.99,"confidence":1.0,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.33725857734680176},{"word":"impact","start":2507.99,"end":2508.435,"confidence":1.0,"punctuated_word":"impact","sentiment":"positive","sentiment_score":0.3424965441226959},{"word":"long","start":2509.395,"end":2509.635,"confidence":0.9819336,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4324640929698944},{"word":"term","start":2509.635,"end":2510.135,"confidence":0.68725586,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.29356831312179565},{"word":"like","start":2510.835,"end":2511.155,"confidence":0.97558594,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1616871953010559},{"word":"if","start":2511.155,"end":2511.395,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1653536558151245},{"word":"i","start":2511.395,"end":2511.475,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13541167974472046},{"word":"have","start":2511.475,"end":2511.635,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15454626083374023},{"word":"a","start":2511.635,"end":2511.715,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14634405076503754},{"word":"$100","start":2511.715,"end":2512.195,"confidence":0.9160156,"punctuated_word":"$100,","sentiment":"neutral","sentiment_score":0.1528363674879074},{"word":"right","start":2512.195,"end":2512.355,"confidence":0.9577637,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.15482887625694275},{"word":"i'm","start":2512.355,"end":2512.5151,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16749171912670135},{"word":"probably","start":2512.5151,"end":2512.675,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1551707088947296},{"word":"gonna","start":2512.675,"end":2512.915,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1754429191350937},{"word":"spend","start":2512.915,"end":2513.235,"confidence":0.9921875,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.1932867169380188},{"word":"a","start":2513.235,"end":2513.315,"confidence":0.7578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10606032609939577},{"word":"$100","start":2513.315,"end":2514.0552,"confidence":0.98376465,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":0.0959606021642685},{"word":"that's","start":2515.395,"end":2515.715,"confidence":0.67749023,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3549909293651581},{"word":"like","start":2515.715,"end":2516.0352,"confidence":0.6381836,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.48691660165786743},{"word":"yeah","start":2516.2751,"end":2516.7751,"confidence":0.9609375,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2989473342895508},{"word":"but","start":2517.235,"end":2517.715,"confidence":0.57714844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2562195360660553},{"word":"that's","start":2517.715,"end":2517.955,"confidence":0.97387695,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2961918115615845},{"word":"something","start":2517.955,"end":2518.2751,"confidence":0.99609375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.28104501962661743},{"word":"i","start":2518.2751,"end":2518.355,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2554553747177124},{"word":"can","start":2518.355,"end":2518.5151,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25976550579071045},{"word":"work","start":2518.5151,"end":2518.675,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2808320224285126},{"word":"on","start":2518.675,"end":2518.835,"confidence":0.90625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2929821312427521},{"word":"with","start":2518.835,"end":2519.075,"confidence":0.9604492,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2824391722679138},{"word":"my","start":2519.075,"end":2519.155,"confidence":0.8803711,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.29330047965049744},{"word":"budgeting","start":2519.155,"end":2519.635,"confidence":0.9970703,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.2664365768432617},{"word":"too","start":2519.635,"end":2520.135,"confidence":0.9108887,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.20491184294223783},{"word":"but","start":2520.915,"end":2521.075,"confidence":0.44677734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05064375698566437},{"word":"that's","start":2521.075,"end":2521.53,"confidence":0.5905762,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.054342061281204224},{"word":"yeah","start":2530.73,"end":2531.21,"confidence":0.93115234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.023856431245803833},{"word":"we","start":2531.21,"end":2531.45,"confidence":0.99316406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0004846453666687012},{"word":"had","start":2531.45,"end":2531.69,"confidence":0.9770508,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.006523057818412781},{"word":"a","start":2531.69,"end":2531.77,"confidence":0.46118164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015964282676577568},{"word":"we","start":2531.77,"end":2531.93,"confidence":0.9472656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020314201712608337},{"word":"had","start":2531.93,"end":2532.17,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.009863127022981644},{"word":"a","start":2532.17,"end":2532.25,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03549183905124664},{"word":"pay","start":2532.25,"end":2532.49,"confidence":0.9902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.0823386013507843},{"word":"rise","start":2532.49,"end":2532.99,"confidence":0.70996094,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":-0.009216345846652985},{"word":"probably","start":2534.075,"end":2534.315,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.024974524974823},{"word":"a","start":2534.315,"end":2534.3948,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.025910208001732823},{"word":"couple","start":2534.3948,"end":2534.5547,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.026737704873085025},{"word":"of","start":2534.5547,"end":2534.7148,"confidence":0.9135742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007977746427059174},{"word":"years","start":2534.7148,"end":2535.035,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0007941648364067078},{"word":"ago","start":2535.035,"end":2535.4348,"confidence":0.8598633,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.022365469485521317},{"word":"so","start":2535.4348,"end":2535.9348,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16093701124191284},{"word":"i","start":2535.9949,"end":2536.075,"confidence":0.91845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29128921031951904},{"word":"think","start":2536.075,"end":2536.315,"confidence":0.9951172,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.3345567286014557},{"word":"we've","start":2536.315,"end":2536.555,"confidence":0.9890137,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2964577376842499},{"word":"had","start":2536.555,"end":2536.7148,"confidence":0.9980469,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.35229551792144775},{"word":"our","start":2536.7148,"end":2536.875,"confidence":0.6879883,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.3074128329753876},{"word":"we","start":2537.035,"end":2537.1948,"confidence":0.98291016,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3656808733940125},{"word":"had","start":2537.1948,"end":2537.355,"confidence":0.7446289,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4000192880630493},{"word":"quite","start":2537.355,"end":2537.6748,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.3942950665950775},{"word":"a","start":2537.6748,"end":2537.9148,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4539235830307007},{"word":"significant","start":2537.9148,"end":2538.4148,"confidence":0.9716797,"punctuated_word":"significant","sentiment":"positive","sentiment_score":0.3685346841812134},{"word":"pay","start":2538.555,"end":2538.7148,"confidence":0.97509766,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.3508446216583252},{"word":"ride","start":2538.7148,"end":2539.035,"confidence":0.7314453,"punctuated_word":"ride,","sentiment":"neutral","sentiment_score":0.3258240222930908},{"word":"so","start":2539.035,"end":2539.355,"confidence":0.59716797,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.21994031965732577},{"word":"i","start":2539.355,"end":2539.515,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28542155027389526},{"word":"think","start":2539.515,"end":2539.755,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2713611423969269},{"word":"we'll","start":2539.755,"end":2539.9148,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2917812466621399},{"word":"be","start":2539.9148,"end":2540.075,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1818079799413681},{"word":"pretty","start":2540.075,"end":2540.315,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3748932480812073},{"word":"steady","start":2540.315,"end":2540.6348,"confidence":0.33666992,"punctuated_word":"steady","sentiment":"positive","sentiment_score":0.36615511775016785},{"word":"for","start":2540.6348,"end":2540.795,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2931637167930603},{"word":"a","start":2540.795,"end":2540.875,"confidence":0.98535156,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3789833188056946},{"word":"while","start":2540.875,"end":2541.375,"confidence":0.9995117,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":0.23366038501262665},{"word":"i'm","start":2559.1301,"end":2559.29,"confidence":0.90649414,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04319175332784653},{"word":"not","start":2559.29,"end":2559.53,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06334556639194489},{"word":"sure","start":2559.53,"end":2559.85,"confidence":0.9177246,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":-0.08554760366678238},{"word":"to","start":2559.85,"end":2560.01,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06020648032426834},{"word":"be","start":2560.01,"end":2560.17,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05098637565970421},{"word":"honest","start":2560.17,"end":2560.67,"confidence":0.9951172,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.046983134001493454},{"word":"even","start":2560.9148,"end":2561.1548,"confidence":0.83813477,"punctuated_word":"Even,","sentiment":"neutral","sentiment_score":-0.0772322565317154},{"word":"like","start":2561.1548,"end":2561.2349,"confidence":0.9628906,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06463571637868881},{"word":"i've","start":2561.2349,"end":2561.6348,"confidence":0.8391113,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08117669820785522},{"word":"i","start":2561.7148,"end":2561.795,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08180449903011322},{"word":"because","start":2561.9548,"end":2562.1948,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06999197602272034},{"word":"i","start":2562.1948,"end":2562.355,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1674327552318573},{"word":"wasn't","start":2562.355,"end":2562.595,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.15490053594112396},{"word":"even","start":2562.595,"end":2562.755,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.18714480102062225},{"word":"sure","start":2562.755,"end":2562.9949,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.17155100405216217},{"word":"how","start":2562.9949,"end":2563.075,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.15225958824157715},{"word":"much","start":2563.075,"end":2563.3948,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.12905879318714142},{"word":"was","start":2563.3948,"end":2563.555,"confidence":0.98095703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1666785031557083},{"word":"being","start":2563.555,"end":2563.795,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.13899388909339905},{"word":"contributed","start":2563.795,"end":2564.295,"confidence":0.99902344,"punctuated_word":"contributed","sentiment":"neutral","sentiment_score":-0.10873842239379884},{"word":"to","start":2564.355,"end":2564.595,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05748420208692551},{"word":"super","start":2564.595,"end":2565.095,"confidence":0.75756836,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":-0.014983616769313812},{"word":"i","start":2565.6348,"end":2566.115,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07992157340049744},{"word":"and","start":2566.4348,"end":2566.595,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08744781464338303},{"word":"i","start":2566.595,"end":2566.835,"confidence":0.7385254,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":-0.08103244006633759},{"word":"like","start":2566.835,"end":2567.1548,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06360117346048355},{"word":"even","start":2567.3948,"end":2567.7148,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.08371112495660782},{"word":"when","start":2567.7148,"end":2567.875,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08126813918352127},{"word":"i","start":2567.875,"end":2567.9548,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1076209992170334},{"word":"was","start":2567.9548,"end":2568.115,"confidence":0.97436523,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.0746866911649704},{"word":"like","start":2568.115,"end":2568.275,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06442554295063019},{"word":"looking","start":2568.275,"end":2568.515,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.09151779115200044},{"word":"online","start":2568.515,"end":2568.9148,"confidence":0.984375,"punctuated_word":"online,","sentiment":"neutral","sentiment_score":-0.09170641750097276},{"word":"like","start":2568.9148,"end":2569.075,"confidence":0.9794922,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07067424058914185},{"word":"how","start":2569.075,"end":2569.2349,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.06896121799945831},{"word":"much","start":2569.2349,"end":2569.4749,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.06576824188232422},{"word":"the","start":2569.4749,"end":2569.555,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10997074842453004},{"word":"department","start":2569.555,"end":2569.9548,"confidence":0.90625,"punctuated_word":"Department","sentiment":"neutral","sentiment_score":-0.10388661921024324},{"word":"of","start":2569.9548,"end":2570.115,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1280682384967804},{"word":"education","start":2570.115,"end":2570.615,"confidence":1.0,"punctuated_word":"Education","sentiment":"neutral","sentiment_score":-0.11194637417793274},{"word":"contribute","start":2570.835,"end":2571.335,"confidence":0.87280273,"punctuated_word":"contribute,","sentiment":"neutral","sentiment_score":-0.0933786928653717},{"word":"i","start":2571.6348,"end":2571.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28045815229415894},{"word":"found","start":2571.875,"end":2572.035,"confidence":0.99609375,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.33246397972106934},{"word":"it","start":2572.035,"end":2572.1948,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29771924018859863},{"word":"very","start":2572.1948,"end":2572.4348,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.3488093912601471},{"word":"hard","start":2572.4348,"end":2572.6748,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.32978135347366333},{"word":"to","start":2572.6748,"end":2572.835,"confidence":0.9995117,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.2403592020273209},{"word":"like","start":2572.835,"end":2573.075,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.24055127799510956},{"word":"find","start":2573.075,"end":2573.3948,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.21719853579998016},{"word":"out","start":2573.3948,"end":2573.8948,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14401933550834656},{"word":"how","start":2574.24,"end":2574.48,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.11554352194070816},{"word":"much","start":2574.48,"end":2574.72,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.07191307842731476},{"word":"they","start":2574.72,"end":2574.88,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.12929651141166687},{"word":"would","start":2574.88,"end":2574.96,"confidence":0.97509766,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.18109658360481265},{"word":"give","start":2574.96,"end":2575.08,"confidence":0.84228516,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.16391202807426453},{"word":"like","start":2575.2,"end":2575.6,"confidence":0.9848633,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.14005666971206665},{"word":"they","start":2575.6,"end":2575.92,"confidence":0.75146484,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1275971680879593},{"word":"they","start":2575.92,"end":2576.08,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1309150755405426},{"word":"give","start":2576.08,"end":2576.24,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.14085720479488373},{"word":"you","start":2576.24,"end":2576.4,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1350511610507965},{"word":"the","start":2576.4,"end":2576.64,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10725037753582},{"word":"amount","start":2576.64,"end":2577.12,"confidence":0.9863281,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.05549850314855576},{"word":"that","start":2577.12,"end":2577.2,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11027640849351884},{"word":"they","start":2577.2,"end":2577.36,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11080490797758102},{"word":"do","start":2577.36,"end":2577.52,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09059372544288637},{"word":"every","start":2577.52,"end":2577.76,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.04539560154080391},{"word":"week","start":2577.76,"end":2577.92,"confidence":0.9790039,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.08805640041828156},{"word":"but","start":2577.92,"end":2578.0,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12589110434055328},{"word":"i","start":2578.0,"end":2578.08,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23766684532165527},{"word":"wasn't","start":2578.08,"end":2578.4,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.1957530379295349},{"word":"sure","start":2578.4,"end":2578.56,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.17172735929489136},{"word":"percentage","start":2578.56,"end":2579.06,"confidence":0.453125,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":-0.10923296213150024},{"word":"wise","start":2579.12,"end":2579.62,"confidence":0.8964844,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.18260669708251953},{"word":"what","start":2580.16,"end":2580.4,"confidence":0.8588867,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18304774165153503},{"word":"they","start":2580.4,"end":2580.56,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.16932260990142822},{"word":"were","start":2580.56,"end":2580.8,"confidence":0.9091797,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.18521179258823395},{"word":"contributing","start":2580.8,"end":2581.3,"confidence":0.9970703,"punctuated_word":"contributing.","sentiment":"neutral","sentiment_score":-0.08758315443992615},{"word":"yeah","start":2589.2,"end":2589.435,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16709548234939575},{"word":"yeah","start":2595.675,"end":2596.175,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16951550543308258},{"word":"yeah","start":2598.395,"end":2598.895,"confidence":0.9448242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10713282227516174},{"word":"yep","start":2616.07,"end":2616.57,"confidence":0.87231445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10533542931079865},{"word":"mhmm","start":2622.195,"end":2622.695,"confidence":0.9890137,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03920326381921768},{"word":"mhmm","start":2627.795,"end":2628.295,"confidence":0.9942627,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09693655371665956},{"word":"yep","start":2630.77,"end":2631.27,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10230101644992828},{"word":"yep","start":2638.69,"end":2639.19,"confidence":0.8388672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11531104892492294},{"word":"sure","start":2646.2148,"end":2646.7148,"confidence":0.9975586,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.09185759723186492},{"word":"yep","start":2647.4949,"end":2647.895,"confidence":0.9289551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17677704989910126},{"word":"sure","start":2647.895,"end":2648.395,"confidence":0.99658203,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.3450672924518585},{"word":"mhmm","start":2658.28,"end":2658.78,"confidence":0.9765625,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1163543164730072},{"word":"no","start":2665.08,"end":2665.4802,"confidence":0.8144531,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04906424507498741},{"word":"that's","start":2665.4802,"end":2665.7202,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.005271357949823141},{"word":"it","start":2665.7202,"end":2666.12,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03777578100562096},{"word":"thank","start":2666.12,"end":2666.52,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5084448456764221},{"word":"you","start":2666.52,"end":2666.9202,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.35488590598106384},{"word":"oh","start":2666.9202,"end":2667.1602,"confidence":0.96777344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04075710102915764},{"word":"actually","start":2667.1602,"end":2667.56,"confidence":0.7565918,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.04440084844827652},{"word":"sorry","start":2667.56,"end":2667.8801,"confidence":0.85839844,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.014326591044664385},{"word":"i","start":2667.8801,"end":2668.04,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00034775398671627045},{"word":"do","start":2668.04,"end":2668.2002,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008288297802209854},{"word":"have","start":2668.2002,"end":2668.36,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01131725125014782},{"word":"a","start":2668.36,"end":2668.4402,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005937999114394188},{"word":"question","start":2668.4402,"end":2668.9402,"confidence":1.0,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.002819751389324665},{"word":"if","start":2670.28,"end":2670.78,"confidence":0.8911133,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.00397489033639431},{"word":"my","start":2671.095,"end":2671.335,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.00963089056313038},{"word":"partner","start":2671.335,"end":2671.575,"confidence":0.9951172,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.020107977092266083},{"word":"was","start":2671.575,"end":2671.815,"confidence":0.7636719,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0040620677173137665},{"word":"to","start":2671.815,"end":2672.055,"confidence":0.9038086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011441245675086977},{"word":"sign","start":2672.055,"end":2672.295,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.010560784488916395},{"word":"up","start":2672.295,"end":2672.375,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.00541716068983078},{"word":"with","start":2672.375,"end":2672.615,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007126962766051292},{"word":"you","start":2672.615,"end":2672.695,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002789730206131935},{"word":"guys","start":2672.695,"end":2673.175,"confidence":0.9863281,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.01107451505959034},{"word":"do","start":2673.175,"end":2673.335,"confidence":0.8496094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005773838609457016},{"word":"we","start":2673.335,"end":2673.4949,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006714671850204468},{"word":"do","start":2673.4949,"end":2673.655,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.004825590178370476},{"word":"that","start":2673.655,"end":2673.815,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015288040041923525},{"word":"as","start":2673.815,"end":2674.055,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0001871474087238312},{"word":"a","start":2674.055,"end":2674.135,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006535201333463192},{"word":"couple","start":2674.135,"end":2674.615,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.007701117545366287},{"word":"or","start":2674.615,"end":2674.855,"confidence":0.58691406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01019388996064663},{"word":"would","start":2674.855,"end":2675.015,"confidence":0.99609375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.011938324198126791},{"word":"they","start":2675.015,"end":2675.255,"confidence":0.7817383,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.003984663635492325},{"word":"be","start":2675.255,"end":2675.575,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.012426035478711128},{"word":"two","start":2675.575,"end":2675.895,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.003475034609436989},{"word":"separate","start":2675.895,"end":2676.395,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.0012286119163036346},{"word":"clients","start":2676.535,"end":2677.035,"confidence":0.9628906,"punctuated_word":"clients?","sentiment":"neutral","sentiment_score":0.012420812621712685},{"word":"mhmm","start":2684.775,"end":2685.275,"confidence":0.9835205,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04933004453778267},{"word":"mhmm","start":2691.3098,"end":2691.47,"confidence":0.9708252,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09966246783733368},{"word":"yep","start":2691.47,"end":2691.97,"confidence":0.84887695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1017596572637558},{"word":"mhmm","start":2696.43,"end":2696.93,"confidence":0.9863281,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07349391281604767},{"word":"mhmm","start":2703.205,"end":2703.705,"confidence":0.95336914,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09590763598680496},{"word":"yep","start":2707.285,"end":2707.785,"confidence":0.7463379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15192119777202606},{"word":"yeah","start":2710.485,"end":2710.885,"confidence":0.94677734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09030163288116456},{"word":"sure","start":2710.885,"end":2711.385,"confidence":0.9970703,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.08878225088119507},{"word":"mhmm","start":2718.09,"end":2718.59,"confidence":0.98950195,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.056714918464422226},{"word":"yeah","start":2726.41,"end":2726.805,"confidence":0.7531738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07056565582752228},{"word":"that's","start":2730.4849,"end":2730.645,"confidence":0.56103516,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5687673091888428},{"word":"awesome","start":2730.645,"end":2731.145,"confidence":0.6390381,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.5786362886428833},{"word":"yes","start":2745.3801,"end":2745.8801,"confidence":0.8029785,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13763020932674408},{"word":"okay","start":2759.875,"end":2760.195,"confidence":0.75683594,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1459484100341797},{"word":"sure","start":2760.195,"end":2760.695,"confidence":0.99658203,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.205893874168396},{"word":"great","start":2761.635,"end":2762.035,"confidence":0.90356445,"punctuated_word":"Great.","sentiment":"neutral","sentiment_score":0.2982622981071472},{"word":"thank","start":2762.035,"end":2762.355,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4404892027378082},{"word":"you","start":2762.355,"end":2762.855,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4033026695251465},{"word":"mhmm","start":2770.3,"end":2770.8,"confidence":0.9987793,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11302470415830612},{"word":"sure","start":2776.2952,"end":2776.7952,"confidence":0.9692383,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.054632868617773056},{"word":"yeah","start":2777.495,"end":2777.735,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0018859542906284332},{"word":"no","start":2777.735,"end":2777.895,"confidence":0.99072266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.006407392211258411},{"word":"i","start":2777.895,"end":2778.0552,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005038656294345856},{"word":"i","start":2778.0552,"end":2778.1353,"confidence":0.8647461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014003686606884004},{"word":"we","start":2778.215,"end":2778.375,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0013219267129898071},{"word":"haven't","start":2778.375,"end":2778.615,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.04287637025117874},{"word":"really","start":2778.615,"end":2778.935,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0511271208524704},{"word":"discussed","start":2778.935,"end":2779.2551,"confidence":0.99316406,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.0032321885228157043},{"word":"it","start":2779.2551,"end":2779.415,"confidence":0.9238281,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.04089851677417755},{"word":"but","start":2779.415,"end":2779.655,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.004809126257896423},{"word":"i","start":2779.655,"end":2779.735,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12397924065589903},{"word":"just","start":2779.735,"end":2779.975,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09060651808977128},{"word":"thought","start":2779.975,"end":2780.475,"confidence":0.9980469,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.15196315944194794},{"word":"potentially","start":2780.615,"end":2781.115,"confidence":0.5292969,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.24782538414001465},{"word":"would","start":2781.5752,"end":2781.735,"confidence":0.5185547,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.308578759431839},{"word":"be","start":2781.735,"end":2781.895,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.31889617443084717},{"word":"good","start":2781.895,"end":2782.395,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2143487334251404},{"word":"yeah","start":2787.2551,"end":2787.7551,"confidence":0.8925781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0187218114733696},{"word":"yeah","start":2793.99,"end":2794.49,"confidence":0.85839844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03689800575375557},{"word":"yeah","start":2798.15,"end":2798.65,"confidence":0.74450684,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07322113960981369},{"word":"sure","start":2800.71,"end":2801.145,"confidence":0.9970703,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.2685830593109131},{"word":"that's","start":2805.625,"end":2805.865,"confidence":0.93530273,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.014279276132583618},{"word":"that's","start":2805.865,"end":2806.025,"confidence":0.8769531,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.032668571919202805},{"word":"it","start":2806.025,"end":2806.2651,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12045906484127045},{"word":"thank","start":2806.2651,"end":2806.425,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6443062424659729},{"word":"you","start":2806.425,"end":2806.585,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7660495042800903},{"word":"so","start":2806.585,"end":2806.665,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7584565281867981},{"word":"much","start":2806.665,"end":2806.825,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7734829783439636},{"word":"for","start":2806.825,"end":2806.985,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7394469380378723},{"word":"your","start":2806.985,"end":2807.225,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7510774731636047},{"word":"time","start":2807.225,"end":2807.725,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7287561893463135},{"word":"thank","start":2819.5999,"end":2819.8398,"confidence":0.7133789,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7736119031906128},{"word":"you","start":2819.8398,"end":2820.16,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7473646998405457},{"word":"have","start":2820.16,"end":2820.4,"confidence":0.9980469,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7176562547683716},{"word":"a","start":2820.4,"end":2820.48,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7190994024276733},{"word":"nice","start":2820.48,"end":2820.72,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7782877683639526},{"word":"night","start":2820.72,"end":2821.22,"confidence":0.9980469,"punctuated_word":"night.","sentiment":"positive","sentiment_score":0.7381894588470459},{"word":"see","start":2823.0398,"end":2823.2,"confidence":0.9223633,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4069561660289765},{"word":"you","start":2823.2,"end":2823.3599,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.41322779655456543},{"word":"bye","start":2823.3599,"end":2823.8599,"confidence":0.99658203,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.2127058357000351}],"paragraphs":{"transcript":"\nHello? Good. Thanks. How are you? Yeah.\n\nSure. Yeah. Of course. Yep. 11/03/1991.\n\nAnd 361 Corby Avenue. Mhmm. Yeah. I can open hear Sure. No.\n\nNot in particular. I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past. So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm interested in getting a bit more information about. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Yeah.\n\nIdeally, if possible. I guess we're we're trying to trying to think about trying to start a family at the moment. So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan. Mhmm. Yep.\n\nI think we're at about $4.20 now, roughly. Mhmm. We haven't had it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7.50 now. Mhmm. Okay.\n\nI think I'm at about 13 or 14 k at the moment. Yes. I'm doing two hun like, around 200 a fortnight. Yeah. Good.\n\nLike, I'm not missing the money. I just become part of the routine now. Yeah. Hopefully not. Mhmm.\n\nYeah. That's the same. Mhmm. I just kind of went for very broad ones, to be honest. Like, with Comsec, they've got kind of categories that you can invest in.\n\nSo I've got, like, a tech one, and then I've got a, like, global global top 200 or whatever, and then the ASX 200. Yeah. I just kinda wanted to keep it very basic starting out. Yeah. I believe so.\n\nMhmm. Yeah. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yeah. Mhmm. Yep. Mhmm.\n\nYep. Okay. Mhmm. Yeah. Okay.\n\nYeah. Sure. Mhmm. Mhmm. Yep.\n\nMhmm. Yeah. Mhmm. Yep. Yeah.\n\nI guess that's something that potentially we will look into if if the family happens. Yeah. I I mean, I I very much feel like I'm just kinda dabbling at the moment. So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do. So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing?\n\nMhmm. Yeah. Mhmm. Mhmm. Yeah.\n\nYeah. I guess that's why I kind of only was doing the 200 because yeah. I'm I'm kind of using that as, like, set and forget at the moment. Yeah. Yes.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nMhmm. Yeah. Sure. Mhmm. Yep.\n\nYesterday, I think. Yesterday or the day before. But I hadn't for a while before that. Mhmm. Yep.\n\nMhmm. Yeah. Mhmm. Yeah. Mhmm.\n\nYeah. Yeah. I think I'm like yeah. I feel like that's to be expected at the moment. Yeah.\n\nMhmm. Yep. Mhmm. Yeah. Yep.\n\nMhmm. Yep. Mhmm. Oh, yeah. Sorry.\n\nThe attachment. I have '24 performance report. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yep. Yeah.\n\nYeah. Mhmm. Okay. No. It's okay.\n\nThat's that manage phone at the top. Is it? Yep. Yep. Mhmm.\n\nYep. Yeah. Mhmm. So, sorry. The incoming period, is that, like, is that, like, dividends from those shares or what?\n\nI'm just trying to understand the things at the top. Yeah. Yep. Okay. And growth is essentially just the is that with the start of the period to the end of the period with the market value?\n\nYep. Mhmm. Yeah. Sure. Right.\n\nYep. Yep. Yep. Yep. I think at the moment, I've just lent more towards the low fees just because yeah.\n\nI feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with. Mhmm. Yep. Yep. Mhmm.\n\nYeah. Yeah. Okay. Sorry. Whether to switch it out now or leave it to receive the changes.\n\nSorry. Is that what you're asking me? Sorry. I've spent I'm in kindergarten teacher. I it's been a long day.\n\nYeah. Okay. I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest. I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon. So I'm I'm not super concerned if things are not, you know, doing super well.\n\nLike, some of it's not doing super well at the moment. If it's something to wait out or if it's just like yeah. I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch. But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSure. Sure. Right. Yep. Yeah.\n\nWe've got an offset at the moment. Yeah. Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there. But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending. I I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages.\n\nAnd then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well. I've got a couple of different ones. So I've got an ING, a UBank, and a com ComBank as well. So I've been kind of using my UBank for I like with UBank. They've got, like, a little savings target, so I feel like the interest is really good with UBank.\n\nSo I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple. And, yeah, I I don't know. I guess I like with UBank. I've got kind of my buckets in there, and I know not to touch it. Whereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that.\n\nSo I feel like the money isn't necessarily not being spent. I feel like our offset is not as sacred as it should be. Yeah. Yeah. So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across.\n\nBut I've found that, like, when we run out of money, then we just transfer more across from the offset. So it's yeah. I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment. You know, I've got on my list of things to be more financially literate.\n\nYeah. Yeah. Yeah. Yeah. Sure.\n\nSo I've got, like, around 12 k in just, like, an emergency fund. That's with UBank. And then, yeah, the interest rate's pretty good on that. So you kinda get probably about $50 a month of interest on top of that as long as you put enough into the account. And then I start sorry.\n\nOne sec. Not at the moment. So I that's something that I kinda want to sort out. I was, and then we had our wedding, and everything went to shift. And then yeah.\n\nSo I'm getting back on track after that. But yeah. With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat. But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there. So I do wanna get better at kind of allocating that amount.\n\nBut, yeah, I've gotta get back on track with that. Yeah. Yeah. Yep. Yeah.\n\nSure. I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left over. No. Name's still the Maybe. Maybe.\n\nBut Peachy is a good name. I don't it's hard to hard to let go of. Yep. Mhmm. Thank you.\n\nOh, are you there? Sorry. Okay. Yep. Hero?\n\nYeah. Yeah. So he's my husband. Yeah. Mhmm.\n\nMhmm. Yep. Yeah. No. I'm still working in higher duties at the moment, but it's like a year to year contract.\n\nSo I don't know what the situation will be next year. So it'll be at that higher duty the whole yeah. Yeah. It's been for the last couple of years, so it should be the same. Yeah.\n\nAround that mark. We haven't. It's not another thing on the list. Mhmm. Okay.\n\nOkay. Yeah. Yeah. Sure. Is it down for the area at the moment?\n\nYeah. I think that's my bad. Advice. I've received the papers a couple of times and not it's so bad. Yeah.\n\nIt it will be there. I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway. Yeah. I mean, it it can only be your partner. Right?\n\nOr any line dependent? Yeah. But yeah. No. So just there.\n\nYep. To be honest, I think I still got the old one. Does it need to be oh, yeah. No. I've I've signed them in 2024.\n\nJust do not post with them back. Yeah. Maybe no. I haven't got a witness. I don't I think that was I think that was my roadblock, actually.\n\nI kept forgetting to take them out with me. Yeah. If you can email it to me, I can I can do that? And then I can just email it back? Yeah.\n\nSure. Yes. Yeah. Yeah. Yeah.\n\nI mean, it's yeah. They're they're cleared with the Medicare. Mhmm. Yes. Mhmm.\n\nYep. Yeah. No. I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married. Positive positive foreshadowing.\n\nMhmm. Yep. Mhmm. I think that's Okay. At the moment.\n\nYeah. Yep. Yeah. Mhmm. Yeah.\n\nI put a good bank and sick leave as well because, like yeah. We've I work for the Department of Education, so it doesn't really matter if I move schools and things. It's still the same employer. Mhmm. Okay.\n\nMhmm. Yeah. I think that should be okay. Yep. Yes.\n\nMhmm. Not at all good. Mhmm. Yep. Yep.\n\nRight. Mhmm. Yeah. Okay. Perfect.\n\nSorry. Sorry. I was right at the beginning of the call. Did you say it was about 5 k at like, last time we did our review for these shares? When we were discussing the shares before, from what I had last year, was it around 5 k?\n\nOkay. Yeah. Okay. Good. Great.\n\nMhmm. Okay. Yeah. Yeah. Yep.\n\nAnd then I guess sorry. I said I had no questions. The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on? Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yes.\n\nYeah. Mhmm. Yeah. Yeah. Hopefully.\n\nYeah. Ideally, we're hoping that within the next twelve months, probably on maternity leave. Yeah. But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after. Yep.\n\nMhmm. Yeah. Okay. Cool. Mhmm.\n\nYeah. Mhmm. Yeah. Yeah. Mhmm.\n\nYeah. Mhmm. Yeah. Okay. Cool.\n\nYeah. Mhmm. Mhmm. Yep. Yep.\n\nYeah. Yeah. Cool. Yeah. I guess my my mindset is kind of, like I think I'm very much, like, live to my me.\n\nSo it's like, if I can it's if I can afford to do it, I would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything. So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100. That's like yeah. But that's something I can work on with my budgeting too. But that's yeah.\n\nWe had a we had a pay rise probably a couple of years ago. So I think we've had our we had quite a significant pay ride, so I think we'll be pretty steady for a while. I'm not sure, to be honest. Even, like, I've I because I wasn't even sure how much was being contributed to Super. I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were contributing.\n\nYeah. Yeah. Yeah. Yep. Mhmm.\n\nMhmm. Yep. Yep. Sure. Yep.\n\nSure. Mhmm. No. That's it. Thank you.\n\nOh, actually, sorry. I do have a question. If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients? Mhmm. Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Yeah.\n\nSure. Mhmm. Yeah. That's awesome. Yes.\n\nOkay. Sure. Great. Thank you. Mhmm.\n\nSure. Yeah. No. I I we haven't really discussed it, but I just thought potentially would be good. Yeah.\n\nYeah. Yeah. Sure. That's that's it. Thank you so much for your time.\n\nThank you. Have a nice night. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.04131811484694481},{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.5581541061401367},{"text":"Thanks.","start":8.32,"end":8.559999,"sentiment":"positive","sentiment_score":0.6040307283401489},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.35436175266901654},{"text":"Yeah.","start":14.345,"end":14.665,"sentiment":"neutral","sentiment_score":0.2197070419788361}],"sentiment":"positive","sentiment_score":0.35518503561615944,"num_words":7,"start":2.24,"end":14.665},{"sentences":[{"text":"Sure.","start":14.665,"end":15.165,"sentiment":"positive","sentiment_score":0.3595912456512451},{"text":"Yeah.","start":22.185,"end":22.505001,"sentiment":"neutral","sentiment_score":0.09530697762966156},{"text":"Of course.","start":22.505001,"end":23.165,"sentiment":"neutral","sentiment_score":0.1977553442120552},{"text":"Yep.","start":33.32,"end":33.64,"sentiment":"neutral","sentiment_score":0.021682776510715485},{"text":"11/03/1991.","start":33.64,"end":35.58,"sentiment":"neutral","sentiment_score":0.025368282571434975}],"sentiment":"neutral","sentiment_score":0.14957666179786125,"num_words":6,"start":14.665,"end":35.58},{"sentences":[{"text":"And 361 Corby Avenue.","start":39.8,"end":43.745,"sentiment":"neutral","sentiment_score":0.2690736949443817},{"text":"Mhmm.","start":48.365,"end":48.865,"sentiment":"neutral","sentiment_score":0.056888096034526825},{"text":"Yeah.","start":52.480003,"end":52.980003,"sentiment":"neutral","sentiment_score":0.07247599959373474},{"text":"I can open hear Sure.","start":56.595,"end":80.635,"sentiment":"neutral","sentiment_score":0.11577350236475467},{"text":"No.","start":81.815,"end":82.215,"sentiment":"neutral","sentiment_score":-0.07097496837377548}],"sentiment":"neutral","sentiment_score":0.14279595157131553,"num_words":12,"start":39.8,"end":82.215},{"sentences":[{"text":"Not in particular.","start":82.215,"end":83.275,"sentiment":"neutral","sentiment_score":-0.09268799175818761},{"text":"I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past.","start":83.415,"end":94.66,"sentiment":"neutral","sentiment_score":-0.024715409172992957},{"text":"So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm interested in getting a bit more information about.","start":94.66,"end":108.005,"sentiment":"neutral","sentiment_score":0.05484087979359748},{"text":"Mhmm.","start":119.81,"end":120.31,"sentiment":"neutral","sentiment_score":0.05055994167923927},{"text":"Yep.","start":122.53,"end":122.805,"sentiment":"positive","sentiment_score":0.3860809803009033}],"sentiment":"neutral","sentiment_score":0.016090676917142614,"num_words":81,"start":82.215,"end":122.805},{"sentences":[{"text":"Mhmm.","start":135.3,"end":135.8,"sentiment":"neutral","sentiment_score":0.10655803978443146},{"text":"Mhmm.","start":144.57,"end":144.82,"sentiment":"neutral","sentiment_score":0.06031811982393265},{"text":"Mhmm.","start":144.82,"end":145.32,"sentiment":"neutral","sentiment_score":0.0404435321688652},{"text":"Yep.","start":148.02,"end":148.335,"sentiment":"neutral","sentiment_score":0.098102867603302},{"text":"Yeah.","start":152.975,"end":153.21501,"sentiment":"neutral","sentiment_score":0.14367049932479858}],"sentiment":"neutral","sentiment_score":0.08981861174106598,"num_words":5,"start":135.3,"end":153.21501},{"sentences":[{"text":"Ideally, if possible.","start":153.21501,"end":154.43501,"sentiment":"neutral","sentiment_score":0.2531123658021291},{"text":"I guess we're we're trying to trying to think about trying to start a family at the moment.","start":166.48,"end":171.59999,"sentiment":"neutral","sentiment_score":-0.006863165439830886},{"text":"So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan.","start":171.59999,"end":178.035,"sentiment":"neutral","sentiment_score":-0.009840436279773712},{"text":"Mhmm.","start":189.295,"end":189.795,"sentiment":"neutral","sentiment_score":0.08043918013572693},{"text":"Yep.","start":199.02,"end":199.52,"sentiment":"neutral","sentiment_score":0.018259238451719284}],"sentiment":"neutral","sentiment_score":0.008999339651827719,"num_words":51,"start":153.21501,"end":199.52},{"sentences":[{"text":"I think we're at about $4.20 now, roughly.","start":202.54,"end":206.36499,"sentiment":"neutral","sentiment_score":0.005157522933586733},{"text":"Mhmm.","start":213.94499,"end":214.44499,"sentiment":"neutral","sentiment_score":0.028269749134778976},{"text":"We haven't had it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7.50 now.","start":215.22499,"end":227.3,"sentiment":"neutral","sentiment_score":0.06463502924288472},{"text":"Mhmm.","start":230.255,"end":230.755,"sentiment":"neutral","sentiment_score":0.03402380645275116},{"text":"Okay.","start":237.13501,"end":237.63501,"sentiment":"neutral","sentiment_score":0.029743708670139313}],"sentiment":"neutral","sentiment_score":0.05088055605370928,"num_words":43,"start":202.54,"end":237.63501},{"sentences":[{"text":"I think I'm at about 13 or 14 k at the moment.","start":241.13501,"end":244.26,"sentiment":"neutral","sentiment_score":0.036395759942630924},{"text":"Yes.","start":248.9,"end":249.14,"sentiment":"neutral","sentiment_score":0.10190658271312714},{"text":"I'm doing two hun like, around 200 a fortnight.","start":249.14,"end":252.36,"sentiment":"neutral","sentiment_score":0.12225561671786839},{"text":"Yeah.","start":258.44498,"end":258.685,"sentiment":"positive","sentiment_score":0.37076956033706665},{"text":"Good.","start":258.685,"end":259.005,"sentiment":"positive","sentiment_score":0.5396740436553955}],"sentiment":"neutral","sentiment_score":0.10622499401991566,"num_words":24,"start":241.13501,"end":259.005},{"sentences":[{"text":"Like, I'm not missing the money.","start":259.005,"end":260.625,"sentiment":"positive","sentiment_score":0.5007811983426412},{"text":"I just become part of the routine now.","start":261.005,"end":263.185,"sentiment":"positive","sentiment_score":0.5145748071372509},{"text":"Yeah.","start":270.86,"end":271.18,"sentiment":"neutral","sentiment_score":-0.010037055239081384},{"text":"Hopefully not.","start":271.18,"end":272.08,"sentiment":"neutral","sentiment_score":-0.055979907512664795},{"text":"Mhmm.","start":277.41998,"end":277.91998,"sentiment":"neutral","sentiment_score":0.023971734568476677}],"sentiment":"positive","sentiment_score":0.39018113952544,"num_words":18,"start":259.005,"end":277.91998},{"sentences":[{"text":"Yeah.","start":285.89502,"end":286.05502,"sentiment":"neutral","sentiment_score":0.06500646471977234},{"text":"That's the same.","start":286.05502,"end":286.95502,"sentiment":"neutral","sentiment_score":0.09688280522823334},{"text":"Mhmm.","start":293.815,"end":294.315,"sentiment":"neutral","sentiment_score":0.01971721649169922},{"text":"I just kind of went for very broad ones, to be honest.","start":303.11,"end":305.91,"sentiment":"neutral","sentiment_score":0.05278428706030051},{"text":"Like, with Comsec, they've got kind of categories that you can invest in.","start":305.91,"end":310.23,"sentiment":"neutral","sentiment_score":0.07760954877504936}],"sentiment":"neutral","sentiment_score":0.06725692252318065,"num_words":30,"start":285.89502,"end":310.23},{"sentences":[{"text":"So I've got, like, a tech one, and then I've got a, like, global global top 200 or whatever, and then the ASX 200.","start":310.23,"end":318.375,"sentiment":"neutral","sentiment_score":0.05393489419172207},{"text":"Yeah.","start":321.715,"end":322.035,"sentiment":"neutral","sentiment_score":0.06468245387077332},{"text":"I just kinda wanted to keep it very basic starting out.","start":322.035,"end":324.95,"sentiment":"neutral","sentiment_score":0.12610148638486862},{"text":"Yeah.","start":331.09,"end":331.33,"sentiment":"neutral","sentiment_score":0.13804282248020172},{"text":"I believe so.","start":331.33,"end":332.39,"sentiment":"neutral","sentiment_score":0.2199246883392334}],"sentiment":"neutral","sentiment_score":0.088601328805089,"num_words":40,"start":310.23,"end":332.39},{"sentences":[{"text":"Mhmm.","start":335.89,"end":336.39,"sentiment":"neutral","sentiment_score":0.015538576059043407},{"text":"Yeah.","start":337.73,"end":337.995,"sentiment":"neutral","sentiment_score":0.03662622720003128},{"text":"Mhmm.","start":341.35498,"end":341.85498,"sentiment":"neutral","sentiment_score":-0.0026639685966074467},{"text":"Mhmm.","start":344.155,"end":344.655,"sentiment":"neutral","sentiment_score":0.1050494983792305},{"text":"Mhmm.","start":350.79498,"end":351.12,"sentiment":"neutral","sentiment_score":0.3321402966976166}],"sentiment":"neutral","sentiment_score":0.09733812594786287,"num_words":5,"start":335.89,"end":351.12},{"sentences":[{"text":"Mhmm.","start":356.96,"end":357.46,"sentiment":"neutral","sentiment_score":0.1962476670742035},{"text":"Yeah.","start":365.68,"end":366.135,"sentiment":"neutral","sentiment_score":0.09436257928609848},{"text":"Mhmm.","start":377.575,"end":378.075,"sentiment":"neutral","sentiment_score":0.06464864313602448},{"text":"Yep.","start":383.03,"end":383.53,"sentiment":"neutral","sentiment_score":0.12386809289455414},{"text":"Mhmm.","start":393.99,"end":394.485,"sentiment":"neutral","sentiment_score":0.15608413517475128}],"sentiment":"neutral","sentiment_score":0.12704222351312638,"num_words":5,"start":356.96,"end":394.485},{"sentences":[{"text":"Yep.","start":396.00497,"end":396.50497,"sentiment":"neutral","sentiment_score":0.1512521207332611},{"text":"Okay.","start":398.245,"end":398.745,"sentiment":"neutral","sentiment_score":0.09926778078079224},{"text":"Mhmm.","start":402.88498,"end":403.38498,"sentiment":"neutral","sentiment_score":0.19629351794719696},{"text":"Yeah.","start":409.525,"end":410.01,"sentiment":"neutral","sentiment_score":0.17293599247932434},{"text":"Okay.","start":420.25,"end":420.75,"sentiment":"neutral","sentiment_score":0.2344883382320404}],"sentiment":"neutral","sentiment_score":0.170847550034523,"num_words":5,"start":396.00497,"end":420.75},{"sentences":[{"text":"Yeah.","start":433.475,"end":433.875,"sentiment":"neutral","sentiment_score":0.2147519886493683},{"text":"Sure.","start":433.875,"end":434.375,"sentiment":"neutral","sentiment_score":0.3151169419288635},{"text":"Mhmm.","start":442.12,"end":442.62,"sentiment":"neutral","sentiment_score":0.2226552665233612},{"text":"Mhmm.","start":454.195,"end":454.695,"sentiment":"neutral","sentiment_score":0.13721752166748047},{"text":"Yep.","start":462.435,"end":462.935,"sentiment":"neutral","sentiment_score":0.07778140902519226}],"sentiment":"neutral","sentiment_score":0.19350462555885314,"num_words":5,"start":433.475,"end":462.935},{"sentences":[{"text":"Mhmm.","start":470.22,"end":470.72,"sentiment":"neutral","sentiment_score":0.1304168552160263},{"text":"Yeah.","start":476.30002,"end":476.80002,"sentiment":"neutral","sentiment_score":0.07649324089288712},{"text":"Mhmm.","start":480.7,"end":481.125,"sentiment":"neutral","sentiment_score":0.16578784584999084},{"text":"Yep.","start":486.005,"end":486.505,"sentiment":"neutral","sentiment_score":0.12200814485549928},{"text":"Yeah.","start":488.645,"end":489.145,"sentiment":"neutral","sentiment_score":0.12002292275428772}],"sentiment":"neutral","sentiment_score":0.12294580191373825,"num_words":5,"start":470.22,"end":489.145},{"sentences":[{"text":"I guess that's something that potentially we will look into if if the family happens.","start":497.08002,"end":502.94,"sentiment":"neutral","sentiment_score":-0.11210473477840424},{"text":"Yeah.","start":503.64,"end":503.88,"sentiment":"neutral","sentiment_score":0.003196246922016144},{"text":"I I mean, I I very much feel like I'm just kinda dabbling at the moment.","start":503.88,"end":507.24002,"sentiment":"neutral","sentiment_score":-0.12862863508053124},{"text":"So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do.","start":507.24002,"end":516.555,"sentiment":"neutral","sentiment_score":-0.11718803058777537},{"text":"So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing?","start":517.89496,"end":523.77,"sentiment":"neutral","sentiment_score":-0.02595917647704482}],"sentiment":"neutral","sentiment_score":-0.09421101652551442,"num_words":80,"start":497.08002,"end":523.77},{"sentences":[{"text":"Mhmm.","start":527.67,"end":528.17,"sentiment":"neutral","sentiment_score":0.14625781774520874},{"text":"Yeah.","start":546.785,"end":546.99,"sentiment":"positive","sentiment_score":0.4510355591773987},{"text":"Mhmm.","start":549.95,"end":550.45,"sentiment":"neutral","sentiment_score":-0.00027514994144439697},{"text":"Mhmm.","start":554.58997,"end":555.08997,"sentiment":"neutral","sentiment_score":-0.0004431363195180893},{"text":"Yeah.","start":560.43,"end":560.895,"sentiment":"neutral","sentiment_score":-0.03895668685436249}],"sentiment":"neutral","sentiment_score":0.1115236807614565,"num_words":5,"start":527.67,"end":560.895},{"sentences":[{"text":"Yeah.","start":565.215,"end":565.695,"sentiment":"neutral","sentiment_score":-0.14081747829914093},{"text":"I guess that's why I kind of only was doing the 200 because yeah.","start":565.695,"end":571.29504,"sentiment":"neutral","sentiment_score":-0.2123964231993471},{"text":"I'm I'm kind of using that as, like, set and forget at the moment.","start":571.29504,"end":574.7,"sentiment":"neutral","sentiment_score":0.012340422520147902},{"text":"Yeah.","start":581.0,"end":581.5,"sentiment":"neutral","sentiment_score":-0.026863928884267807},{"text":"Yes.","start":582.68,"end":583.18,"sentiment":"neutral","sentiment_score":0.2071098834276199}],"sentiment":"neutral","sentiment_score":-0.08907598494401862,"num_words":31,"start":565.215,"end":583.18},{"sentences":[{"text":"Mhmm.","start":592.675,"end":593.155,"sentiment":"neutral","sentiment_score":0.14973530173301697},{"text":"Yep.","start":593.155,"end":593.655,"sentiment":"neutral","sentiment_score":0.25413256883621216},{"text":"Yep.","start":599.23505,"end":599.73505,"sentiment":"neutral","sentiment_score":0.2867659032344818},{"text":"Mhmm.","start":611.00995,"end":611.50995,"sentiment":"neutral","sentiment_score":0.09766864031553268},{"text":"Yep.","start":622.445,"end":622.945,"sentiment":"neutral","sentiment_score":0.1454111784696579}],"sentiment":"neutral","sentiment_score":0.1867427185177803,"num_words":5,"start":592.675,"end":622.945},{"sentences":[{"text":"Mhmm.","start":623.245,"end":623.745,"sentiment":"neutral","sentiment_score":0.11170538514852524},{"text":"Yeah.","start":625.885,"end":626.25,"sentiment":"neutral","sentiment_score":0.22373676300048828},{"text":"Sure.","start":631.29,"end":631.79,"sentiment":"neutral","sentiment_score":0.0041114650666713715},{"text":"Mhmm.","start":633.05,"end":633.55,"sentiment":"neutral","sentiment_score":-0.02320324629545212},{"text":"Yep.","start":636.81,"end":637.31,"sentiment":"neutral","sentiment_score":-0.08362163603305817}],"sentiment":"neutral","sentiment_score":0.04654574617743492,"num_words":5,"start":623.245,"end":637.31},{"sentences":[{"text":"Yesterday, I think.","start":642.80505,"end":643.765,"sentiment":"neutral","sentiment_score":-0.03187800943851471},{"text":"Yesterday or the day before.","start":643.765,"end":644.905,"sentiment":"neutral","sentiment_score":-0.017491380870342254},{"text":"But I hadn't for a while before that.","start":645.685,"end":647.625,"sentiment":"neutral","sentiment_score":0.007631853222846985},{"text":"Mhmm.","start":652.325,"end":652.825,"sentiment":"neutral","sentiment_score":0.13608132302761078},{"text":"Yep.","start":663.55,"end":664.05,"sentiment":"neutral","sentiment_score":0.11652271449565887}],"sentiment":"neutral","sentiment_score":0.007253773924377229,"num_words":18,"start":642.80505,"end":664.05},{"sentences":[{"text":"Mhmm.","start":668.11,"end":668.61,"sentiment":"neutral","sentiment_score":0.05922799929976463},{"text":"Yeah.","start":671.815,"end":672.315,"sentiment":"neutral","sentiment_score":0.08443635702133179},{"text":"Mhmm.","start":677.175,"end":677.675,"sentiment":"neutral","sentiment_score":0.02554232627153397},{"text":"Yeah.","start":679.41504,"end":679.91504,"sentiment":"neutral","sentiment_score":0.004222014918923378},{"text":"Mhmm.","start":691.11005,"end":691.43005,"sentiment":"neutral","sentiment_score":-0.0685700923204422}],"sentiment":"neutral","sentiment_score":0.020971721038222313,"num_words":5,"start":668.11,"end":691.43005},{"sentences":[{"text":"Yeah.","start":691.43005,"end":691.93005,"sentiment":"neutral","sentiment_score":0.011164352297782898},{"text":"Yeah.","start":696.705,"end":696.945,"sentiment":"neutral","sentiment_score":0.1296636164188385},{"text":"I think I'm like yeah.","start":696.945,"end":698.385,"sentiment":"neutral","sentiment_score":0.17726536542177201},{"text":"I feel like that's to be expected at the moment.","start":698.385,"end":700.405,"sentiment":"neutral","sentiment_score":0.13795400857925416},{"text":"Yeah.","start":708.065,"end":708.3,"sentiment":"neutral","sentiment_score":0.10971912741661072}],"sentiment":"neutral","sentiment_score":0.13980077827970186,"num_words":18,"start":691.43005,"end":708.3},{"sentences":[{"text":"Mhmm.","start":715.74,"end":716.24,"sentiment":"neutral","sentiment_score":0.17476032674312592},{"text":"Yep.","start":723.26,"end":723.525,"sentiment":"neutral","sentiment_score":0.1059841364622116},{"text":"Mhmm.","start":723.60504,"end":724.10504,"sentiment":"neutral","sentiment_score":0.08916425704956055},{"text":"Yeah.","start":738.005,"end":738.24,"sentiment":"neutral","sentiment_score":0.18067027628421783},{"text":"Yep.","start":742.95996,"end":743.45996,"sentiment":"neutral","sentiment_score":0.06618013978004456}],"sentiment":"neutral","sentiment_score":0.12335182726383209,"num_words":5,"start":715.74,"end":743.45996},{"sentences":[{"text":"Mhmm.","start":748.8,"end":749.3,"sentiment":"neutral","sentiment_score":-0.20825882256031036},{"text":"Yep.","start":753.52,"end":754.02,"sentiment":"neutral","sentiment_score":0.09062199294567108},{"text":"Mhmm.","start":763.895,"end":764.395,"sentiment":"neutral","sentiment_score":0.035646870732307434},{"text":"Oh, yeah.","start":767.655,"end":768.05505,"sentiment":"neutral","sentiment_score":0.03181974217295647},{"text":"Sorry.","start":768.05505,"end":768.55505,"sentiment":"neutral","sentiment_score":0.002849290147423744}],"sentiment":"neutral","sentiment_score":-0.002583530731499195,"num_words":6,"start":748.8,"end":768.55505},{"sentences":[{"text":"The attachment.","start":768.74,"end":769.31995,"sentiment":"neutral","sentiment_score":0.011439184658229351},{"text":"I have '24 performance report.","start":770.01996,"end":771.54,"sentiment":"neutral","sentiment_score":0.04967442378401756},{"text":"Yep.","start":771.54,"end":772.04,"sentiment":"neutral","sentiment_score":0.10068705677986144},{"text":"Yep.","start":779.69995,"end":780.19995,"sentiment":"neutral","sentiment_score":0.10563062131404875},{"text":"Mhmm.","start":782.415,"end":782.915,"sentiment":"neutral","sentiment_score":0.06884840875864029}],"sentiment":"neutral","sentiment_score":0.0546416575089097,"num_words":10,"start":768.74,"end":782.915},{"sentences":[{"text":"Yep.","start":787.21497,"end":787.71497,"sentiment":"neutral","sentiment_score":0.06462308019399643},{"text":"Mhmm.","start":794.415,"end":794.915,"sentiment":"neutral","sentiment_score":0.3287239670753479},{"text":"Yeah.","start":798.67004,"end":799.17004,"sentiment":"neutral","sentiment_score":0.01684723049402237},{"text":"Yeah.","start":809.23004,"end":809.595,"sentiment":"neutral","sentiment_score":-0.07515646517276764},{"text":"Yeah.","start":819.675,"end":819.995,"sentiment":"neutral","sentiment_score":-0.17445379495620728}],"sentiment":"neutral","sentiment_score":0.03211680352687836,"num_words":5,"start":787.21497,"end":819.995},{"sentences":[{"text":"Yeah.","start":819.995,"end":820.495,"sentiment":"neutral","sentiment_score":-0.12952403724193573},{"text":"Yeah.","start":825.54,"end":826.04,"sentiment":"neutral","sentiment_score":-0.023821063339710236},{"text":"Mhmm.","start":830.66,"end":831.16,"sentiment":"neutral","sentiment_score":0.041656412184238434},{"text":"Yep.","start":837.46,"end":837.735,"sentiment":"neutral","sentiment_score":0.04429445415735245},{"text":"Yeah.","start":841.415,"end":841.915,"sentiment":"neutral","sentiment_score":-0.10225487500429152}],"sentiment":"neutral","sentiment_score":-0.03392982184886932,"num_words":5,"start":819.995,"end":841.915},{"sentences":[{"text":"Yeah.","start":844.21497,"end":844.71497,"sentiment":"neutral","sentiment_score":-0.04131312668323517},{"text":"Mhmm.","start":853.51,"end":854.01,"sentiment":"neutral","sentiment_score":0.027309436351060867},{"text":"Okay.","start":859.91003,"end":860.41003,"sentiment":"neutral","sentiment_score":0.020069938153028488},{"text":"No.","start":866.425,"end":866.745,"sentiment":"neutral","sentiment_score":-0.0813465416431427},{"text":"It's okay.","start":866.745,"end":867.485,"sentiment":"neutral","sentiment_score":-0.029465368948876858}],"sentiment":"neutral","sentiment_score":-0.022368505286673706,"num_words":6,"start":844.21497,"end":867.485},{"sentences":[{"text":"That's that manage phone at the top.","start":880.12,"end":881.72003,"sentiment":"neutral","sentiment_score":0.039302630083901544},{"text":"Is it?","start":881.72003,"end":882.38,"sentiment":"neutral","sentiment_score":0.018395712133497},{"text":"Yep.","start":884.92,"end":885.42,"sentiment":"neutral","sentiment_score":0.024102380499243736},{"text":"Yep.","start":889.08,"end":889.365,"sentiment":"neutral","sentiment_score":-0.047665297985076904},{"text":"Mhmm.","start":896.245,"end":896.745,"sentiment":"neutral","sentiment_score":0.10892021656036376}],"sentiment":"neutral","sentiment_score":0.033105594494069614,"num_words":12,"start":880.12,"end":896.745},{"sentences":[{"text":"Yep.","start":898.325,"end":898.825,"sentiment":"neutral","sentiment_score":-0.005947461351752281},{"text":"Yeah.","start":915.35,"end":915.85,"sentiment":"neutral","sentiment_score":0.001225942745804787},{"text":"Mhmm.","start":919.43,"end":919.905,"sentiment":"neutral","sentiment_score":-0.01900261268019676},{"text":"So, sorry.","start":919.905,"end":924.145,"sentiment":"neutral","sentiment_score":-0.0554044283926487},{"text":"The incoming period, is that, like, is that, like, dividends from those shares or what?","start":924.145,"end":930.48505,"sentiment":"neutral","sentiment_score":-0.041678526376684503}],"sentiment":"neutral","sentiment_score":-0.03798554418608546,"num_words":20,"start":898.325,"end":930.48505},{"sentences":[{"text":"I'm just trying to understand the things at the top.","start":930.78503,"end":933.42,"sentiment":"neutral","sentiment_score":0.008966674655675888},{"text":"Yeah.","start":945.98,"end":946.395,"sentiment":"neutral","sentiment_score":0.024190369993448257},{"text":"Yep.","start":952.075,"end":952.47504,"sentiment":"neutral","sentiment_score":0.07979688048362732},{"text":"Okay.","start":952.47504,"end":952.97504,"sentiment":"neutral","sentiment_score":0.059726886451244354},{"text":"And growth is essentially just the is that with the start of the period to the end of the period with the market value?","start":955.835,"end":964.55005,"sentiment":"neutral","sentiment_score":0.03149569150991738}],"sentiment":"neutral","sentiment_score":0.027277769722245836,"num_words":37,"start":930.78503,"end":964.55005},{"sentences":[{"text":"Yep.","start":968.85004,"end":969.35004,"sentiment":"neutral","sentiment_score":0.10120954364538191},{"text":"Mhmm.","start":972.225,"end":972.725,"sentiment":"neutral","sentiment_score":0.0637238621711731},{"text":"Yeah.","start":983.58496,"end":983.82495,"sentiment":"neutral","sentiment_score":0.1508854180574417},{"text":"Sure.","start":983.82495,"end":984.32495,"sentiment":"neutral","sentiment_score":0.29980015754699707},{"text":"Right.","start":997.93,"end":998.01,"sentiment":"neutral","sentiment_score":0.15900439023971558}],"sentiment":"neutral","sentiment_score":0.15492467433214188,"num_words":5,"start":968.85004,"end":998.01},{"sentences":[{"text":"Yep.","start":998.01,"end":998.415,"sentiment":"neutral","sentiment_score":0.24300697445869449},{"text":"Yep.","start":1004.33496,"end":1004.83496,"sentiment":"neutral","sentiment_score":0.10984568297863008},{"text":"Yep.","start":1027.875,"end":1028.375,"sentiment":"neutral","sentiment_score":0.13846564292907715},{"text":"Yep.","start":1031.155,"end":1031.655,"sentiment":"neutral","sentiment_score":0.07934946566820145},{"text":"I think at the moment, I've just lent more towards the low fees just because yeah.","start":1048.61,"end":1054.215,"sentiment":"neutral","sentiment_score":0.1061124661937356}],"sentiment":"neutral","sentiment_score":0.11342336125671863,"num_words":20,"start":998.01,"end":1054.215},{"sentences":[{"text":"I feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with.","start":1054.215,"end":1068.4,"sentiment":"neutral","sentiment_score":0.2484468367571632},{"text":"Mhmm.","start":1079.1799,"end":1079.625,"sentiment":"neutral","sentiment_score":0.2386665642261505},{"text":"Yep.","start":1083.785,"end":1084.285,"sentiment":"neutral","sentiment_score":0.22261053323745728},{"text":"Yep.","start":1085.705,"end":1086.205,"sentiment":"neutral","sentiment_score":0.1906059980392456},{"text":"Mhmm.","start":1090.425,"end":1090.925,"sentiment":"neutral","sentiment_score":0.09702146053314208}],"sentiment":"neutral","sentiment_score":0.24373755231499672,"num_words":52,"start":1054.215,"end":1090.925},{"sentences":[{"text":"Yeah.","start":1094.0,"end":1094.5,"sentiment":"neutral","sentiment_score":0.0988517701625824},{"text":"Yeah.","start":1095.6799,"end":1096.0,"sentiment":"neutral","sentiment_score":0.08602449297904968},{"text":"Okay.","start":1096.0,"end":1096.5,"sentiment":"neutral","sentiment_score":0.06648489087820053},{"text":"Sorry.","start":1111.775,"end":1112.275,"sentiment":"neutral","sentiment_score":-0.08720593899488449},{"text":"Whether to switch it out now or leave it to receive the changes.","start":1112.335,"end":1116.6749,"sentiment":"neutral","sentiment_score":-0.0883981533921682}],"sentiment":"neutral","sentiment_score":-0.057942398769014025,"num_words":17,"start":1094.0,"end":1116.6749},{"sentences":[{"text":"Sorry.","start":1117.2949,"end":1117.5349,"sentiment":"neutral","sentiment_score":-0.030093589797616005},{"text":"Is that what you're asking me?","start":1117.5349,"end":1118.815,"sentiment":"neutral","sentiment_score":-0.016182257793843746},{"text":"Sorry.","start":1118.815,"end":1119.315,"sentiment":"neutral","sentiment_score":-0.053406473249197006},{"text":"I've spent I'm in kindergarten teacher.","start":1119.8201,"end":1122.3201,"sentiment":"neutral","sentiment_score":-0.008899833541363478},{"text":"I it's been a long day.","start":1123.98,"end":1125.6,"sentiment":"neutral","sentiment_score":-0.28282247732083005}],"sentiment":"neutral","sentiment_score":-0.09654637374915183,"num_words":20,"start":1117.2949,"end":1125.6},{"sentences":[{"text":"Yeah.","start":1127.18,"end":1127.5,"sentiment":"neutral","sentiment_score":-0.05184251442551613},{"text":"Okay.","start":1127.5,"end":1128.0,"sentiment":"neutral","sentiment_score":-0.0342247374355793},{"text":"I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest.","start":1129.66,"end":1133.845,"sentiment":"positive","sentiment_score":0.4799798937404857},{"text":"I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon.","start":1133.845,"end":1142.505,"sentiment":"neutral","sentiment_score":-0.27722090561138957},{"text":"So I'm I'm not super concerned if things are not, you know, doing super well.","start":1142.5651,"end":1151.02,"sentiment":"neutral","sentiment_score":-0.12637886330485343}],"sentiment":"neutral","sentiment_score":0.01718322236864072,"num_words":53,"start":1127.18,"end":1151.02},{"sentences":[{"text":"Like, some of it's not doing super well at the moment.","start":1151.72,"end":1153.96,"sentiment":"neutral","sentiment_score":-0.20789797807281668},{"text":"If it's something to wait out or if it's just like yeah.","start":1153.96,"end":1157.48,"sentiment":"neutral","sentiment_score":-0.11416641281296809},{"text":"I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch.","start":1157.48,"end":1162.155,"sentiment":"positive","sentiment_score":0.43485178500413896},{"text":"But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well.","start":1162.155,"end":1168.335,"sentiment":"neutral","sentiment_score":0.2448130649599162},{"text":"Yeah.","start":1185.53,"end":1185.735,"sentiment":"neutral","sentiment_score":0.23256786167621613}],"sentiment":"neutral","sentiment_score":0.16149418603515986,"num_words":66,"start":1151.72,"end":1185.735},{"sentences":[{"text":"Yeah.","start":1193.095,"end":1193.415,"sentiment":"neutral","sentiment_score":0.015467539429664612},{"text":"Yeah.","start":1193.415,"end":1193.915,"sentiment":"neutral","sentiment_score":-0.03853500261902809},{"text":"Yeah.","start":1195.245,"end":1195.495,"sentiment":"neutral","sentiment_score":0.01106972061097622},{"text":"Yeah.","start":1195.495,"end":1195.995,"sentiment":"neutral","sentiment_score":0.03625606745481491},{"text":"Yeah.","start":1201.095,"end":1201.595,"sentiment":"neutral","sentiment_score":0.1732063889503479}],"sentiment":"neutral","sentiment_score":0.03949294276535511,"num_words":5,"start":1193.095,"end":1201.595},{"sentences":[{"text":"Sure.","start":1207.97,"end":1208.4501,"sentiment":"neutral","sentiment_score":0.26825276017189026},{"text":"Sure.","start":1208.4501,"end":1208.9501,"sentiment":"neutral","sentiment_score":0.2411413341760635},{"text":"Right.","start":1212.37,"end":1212.87,"sentiment":"neutral","sentiment_score":0.0825585350394249},{"text":"Yep.","start":1222.625,"end":1223.125,"sentiment":"neutral","sentiment_score":0.01610414683818817},{"text":"Yeah.","start":1226.305,"end":1226.625,"sentiment":"neutral","sentiment_score":0.012025071308016775}],"sentiment":"neutral","sentiment_score":0.12401636950671673,"num_words":5,"start":1207.97,"end":1226.625},{"sentences":[{"text":"We've got an offset at the moment.","start":1226.625,"end":1228.37,"sentiment":"neutral","sentiment_score":-0.04648216920239585},{"text":"Yeah.","start":1229.9501,"end":1230.27,"sentiment":"neutral","sentiment_score":-0.031846921890974045},{"text":"Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there.","start":1230.27,"end":1235.17,"sentiment":"neutral","sentiment_score":-0.15826054560867223},{"text":"But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending.","start":1237.55,"end":1244.2649,"sentiment":"neutral","sentiment_score":0.027419844204012084},{"text":"I I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages.","start":1244.2649,"end":1256.325,"sentiment":"neutral","sentiment_score":0.03183489832549523}],"sentiment":"neutral","sentiment_score":-0.0247820432969304,"num_words":86,"start":1226.625,"end":1256.325},{"sentences":[{"text":"And then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well.","start":1257.39,"end":1264.4501,"sentiment":"neutral","sentiment_score":0.10047621140256524},{"text":"I've got a couple of different ones.","start":1268.865,"end":1270.3049,"sentiment":"neutral","sentiment_score":0.010978544397013528},{"text":"So I've got an ING, a UBank, and a com ComBank as well.","start":1270.3049,"end":1276.625,"sentiment":"neutral","sentiment_score":0.042046114802360535},{"text":"So I've been kind of using my UBank for I like with UBank.","start":1276.625,"end":1281.1849,"sentiment":"neutral","sentiment_score":0.16630783720085254},{"text":"They've got, like, a little savings target, so I feel like the interest is really good with UBank.","start":1281.1849,"end":1286.98,"sentiment":"positive","sentiment_score":0.33691111041439903}],"sentiment":"neutral","sentiment_score":0.15015040330588816,"num_words":75,"start":1257.39,"end":1286.98},{"sentences":[{"text":"So I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple.","start":1286.98,"end":1293.08,"sentiment":"neutral","sentiment_score":0.22568458318710327},{"text":"And, yeah, I I don't know.","start":1295.38,"end":1296.2999,"sentiment":"neutral","sentiment_score":-0.01891363225877285},{"text":"I guess I like with UBank.","start":1296.2999,"end":1297.96,"sentiment":"neutral","sentiment_score":0.1160353235900402},{"text":"I've got kind of my buckets in there, and I know not to touch it.","start":1298.1,"end":1301.885,"sentiment":"neutral","sentiment_score":0.02560068964958191},{"text":"Whereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that.","start":1301.885,"end":1308.045,"sentiment":"neutral","sentiment_score":-0.021700706980798557}],"sentiment":"neutral","sentiment_score":0.0775119129517307,"num_words":73,"start":1286.98,"end":1308.045},{"sentences":[{"text":"So I feel like the money isn't necessarily not being spent.","start":1308.045,"end":1312.865,"sentiment":"neutral","sentiment_score":-0.0679789503866976},{"text":"I feel like our offset is not as sacred as it should be.","start":1313.13,"end":1315.9501,"sentiment":"neutral","sentiment_score":-0.11954351342641391},{"text":"Yeah.","start":1318.81,"end":1319.31,"sentiment":"neutral","sentiment_score":0.002779873088002205},{"text":"Yeah.","start":1322.17,"end":1322.67,"sentiment":"neutral","sentiment_score":-0.0003515053540468216},{"text":"So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across.","start":1322.81,"end":1329.925,"sentiment":"neutral","sentiment_score":0.006180193991615222}],"sentiment":"neutral","sentiment_score":-0.04112924456309814,"num_words":52,"start":1308.045,"end":1329.925},{"sentences":[{"text":"But I've found that, like, when we run out of money, then we just transfer more across from the offset.","start":1330.0651,"end":1334.225,"sentiment":"neutral","sentiment_score":-0.20215160958468914},{"text":"So it's yeah.","start":1334.225,"end":1338.5651,"sentiment":"neutral","sentiment_score":-0.111184261739254},{"text":"I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent.","start":1338.625,"end":1347.86,"sentiment":"negative","sentiment_score":-0.4813629763741647},{"text":"Yeah.","start":1358.5751,"end":1359.0751,"sentiment":"neutral","sentiment_score":-0.03477446734905243},{"text":"Yeah.","start":1363.295,"end":1363.795,"sentiment":"neutral","sentiment_score":0.03938744217157364}],"sentiment":"negative","sentiment_score":-0.3445397191015737,"num_words":56,"start":1330.0651,"end":1363.795},{"sentences":[{"text":"Yeah.","start":1369.31,"end":1369.81,"sentiment":"neutral","sentiment_score":0.09973065555095673},{"text":"Yeah.","start":1382.525,"end":1383.025,"sentiment":"neutral","sentiment_score":0.06655209511518478},{"text":"Yeah.","start":1383.165,"end":1383.5651,"sentiment":"neutral","sentiment_score":0.08022310584783554},{"text":"I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment.","start":1383.5651,"end":1388.2251,"sentiment":"neutral","sentiment_score":0.035478068025488606},{"text":"You know, I've got on my list of things to be more financially literate.","start":1389.4851,"end":1393.23,"sentiment":"neutral","sentiment_score":0.080675852351955}],"sentiment":"neutral","sentiment_score":0.05694586338682307,"num_words":36,"start":1369.31,"end":1393.23},{"sentences":[{"text":"Yeah.","start":1399.37,"end":1399.87,"sentiment":"neutral","sentiment_score":0.152053102850914},{"text":"Yeah.","start":1412.465,"end":1412.965,"sentiment":"neutral","sentiment_score":-0.05956305563449859},{"text":"Yeah.","start":1416.865,"end":1417.32,"sentiment":"neutral","sentiment_score":0.06930020451545715},{"text":"Yeah.","start":1427.88,"end":1428.2799,"sentiment":"neutral","sentiment_score":0.0706709772348404},{"text":"Sure.","start":1428.2799,"end":1428.6,"sentiment":"neutral","sentiment_score":0.09202365577220915}],"sentiment":"neutral","sentiment_score":0.06489697694778443,"num_words":5,"start":1399.37,"end":1428.6},{"sentences":[{"text":"So I've got, like, around 12 k in just, like, an emergency fund.","start":1428.6,"end":1434.365,"sentiment":"neutral","sentiment_score":0.11202805088116573},{"text":"That's with UBank.","start":1437.385,"end":1438.365,"sentiment":"neutral","sentiment_score":0.1507545212904612},{"text":"And then, yeah, the interest rate's pretty good on that.","start":1439.225,"end":1441.625,"sentiment":"neutral","sentiment_score":0.33126168251037597},{"text":"So you kinda get probably about $50 a month of interest on top of that as long as you put enough into the account.","start":1441.625,"end":1448.9901,"sentiment":"neutral","sentiment_score":0.22910280960301557},{"text":"And then I start sorry.","start":1449.6901,"end":1456.03,"sentiment":"neutral","sentiment_score":0.0425572294741869}],"sentiment":"neutral","sentiment_score":0.1987727023322474,"num_words":55,"start":1428.6,"end":1456.03},{"sentences":[{"text":"One sec.","start":1456.17,"end":1456.875,"sentiment":"neutral","sentiment_score":0.028057953342795372},{"text":"Not at the moment.","start":1465.995,"end":1467.195,"sentiment":"neutral","sentiment_score":-0.1127444002777338},{"text":"So I that's something that I kinda want to sort out.","start":1467.195,"end":1471.48,"sentiment":"neutral","sentiment_score":-0.035477788441560486},{"text":"I was, and then we had our wedding, and everything went to shift.","start":1471.48,"end":1474.46,"sentiment":"neutral","sentiment_score":-0.01910074485036043},{"text":"And then yeah.","start":1475.08,"end":1477.08,"sentiment":"neutral","sentiment_score":0.003361796960234642}],"sentiment":"neutral","sentiment_score":-0.031010353316863377,"num_words":33,"start":1456.17,"end":1477.08},{"sentences":[{"text":"So I'm getting back on track after that.","start":1477.08,"end":1479.26,"sentiment":"neutral","sentiment_score":0.031399881932884455},{"text":"But yeah.","start":1479.88,"end":1480.36,"sentiment":"neutral","sentiment_score":0.01389139425009489},{"text":"With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat.","start":1480.36,"end":1489.3551,"sentiment":"neutral","sentiment_score":-0.04491257755029382},{"text":"But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there.","start":1491.175,"end":1498.68,"sentiment":"neutral","sentiment_score":0.035013115327609215},{"text":"So I do wanna get better at kind of allocating that amount.","start":1498.9,"end":1504.04,"sentiment":"neutral","sentiment_score":0.02657092579950889}],"sentiment":"neutral","sentiment_score":-0.002959904248347959,"num_words":74,"start":1477.08,"end":1504.04},{"sentences":[{"text":"But, yeah, I've gotta get back on track with that.","start":1506.74,"end":1509.0801,"sentiment":"neutral","sentiment_score":0.05202940832823515},{"text":"Yeah.","start":1518.515,"end":1519.015,"sentiment":"neutral","sentiment_score":0.3280045986175537},{"text":"Yeah.","start":1523.155,"end":1523.61,"sentiment":"neutral","sentiment_score":0.21479010581970215},{"text":"Yep.","start":1532.8099,"end":1533.3099,"sentiment":"neutral","sentiment_score":0.05518188327550888},{"text":"Yeah.","start":1539.945,"end":1540.345,"sentiment":"neutral","sentiment_score":0.06659573316574097}],"sentiment":"neutral","sentiment_score":0.08463331458291837,"num_words":14,"start":1506.74,"end":1540.345},{"sentences":[{"text":"Sure.","start":1540.345,"end":1540.845,"sentiment":"neutral","sentiment_score":0.07687237858772278},{"text":"I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left over.","start":1540.905,"end":1559.49,"sentiment":"neutral","sentiment_score":0.06227755770087242},{"text":"No.","start":1559.63,"end":1559.87,"sentiment":"neutral","sentiment_score":-0.04444035142660141},{"text":"Name's still the Maybe.","start":1559.87,"end":1562.365,"sentiment":"neutral","sentiment_score":-0.0018199784681200981},{"text":"Maybe.","start":1562.365,"end":1562.765,"sentiment":"neutral","sentiment_score":0.038866061717271805}],"sentiment":"neutral","sentiment_score":0.052225538000867176,"num_words":37,"start":1540.345,"end":1562.765},{"sentences":[{"text":"But Peachy is a good name.","start":1562.765,"end":1565.245,"sentiment":"neutral","sentiment_score":0.16058587779601416},{"text":"I don't it's hard to hard to let go of.","start":1565.245,"end":1567.665,"sentiment":"neutral","sentiment_score":-0.011795176635496318},{"text":"Yep.","start":1573.965,"end":1574.465,"sentiment":"neutral","sentiment_score":-0.00873763207346201},{"text":"Mhmm.","start":1578.1599,"end":1578.6599,"sentiment":"neutral","sentiment_score":0.013717906549572945},{"text":"Thank you.","start":1590.0,"end":1590.615,"sentiment":"positive","sentiment_score":0.40642863512039185}],"sentiment":"neutral","sentiment_score":0.08317005225690081,"num_words":20,"start":1562.765,"end":1590.615},{"sentences":[{"text":"Oh, are you there?","start":1590.615,"end":1592.075,"sentiment":"neutral","sentiment_score":0.04737649392336607},{"text":"Sorry.","start":1600.455,"end":1600.955,"sentiment":"neutral","sentiment_score":-0.06539647281169891},{"text":"Okay.","start":1601.895,"end":1602.395,"sentiment":"neutral","sentiment_score":0.012172603979706764},{"text":"Yep.","start":1608.55,"end":1609.05,"sentiment":"neutral","sentiment_score":0.02520114742219448},{"text":"Hero?","start":1616.835,"end":1617.335,"sentiment":"neutral","sentiment_score":0.0066040996462106705}],"sentiment":"neutral","sentiment_score":0.02101091924123466,"num_words":8,"start":1590.615,"end":1617.335},{"sentences":[{"text":"Yeah.","start":1619.155,"end":1619.395,"sentiment":"neutral","sentiment_score":0.050086379051208496},{"text":"Yeah.","start":1619.395,"end":1619.635,"sentiment":"neutral","sentiment_score":0.05689717084169388},{"text":"So he's my husband.","start":1619.635,"end":1620.775,"sentiment":"neutral","sentiment_score":0.060917094349861145},{"text":"Yeah.","start":1622.0349,"end":1622.5349,"sentiment":"neutral","sentiment_score":0.28687387704849243},{"text":"Mhmm.","start":1628.0349,"end":1628.5349,"sentiment":"neutral","sentiment_score":0.0418211966753006}],"sentiment":"neutral","sentiment_score":0.0849183751270175,"num_words":8,"start":1619.155,"end":1628.5349},{"sentences":[{"text":"Mhmm.","start":1638.21,"end":1638.71,"sentiment":"neutral","sentiment_score":0.013274313881993294},{"text":"Yep.","start":1644.175,"end":1644.675,"sentiment":"neutral","sentiment_score":-0.0505119226872921},{"text":"Yeah.","start":1651.6951,"end":1652.015,"sentiment":"neutral","sentiment_score":-0.06653229147195816},{"text":"No.","start":1652.015,"end":1652.175,"sentiment":"neutral","sentiment_score":-0.2532179355621338},{"text":"I'm still working in higher duties at the moment, but it's like a year to year contract.","start":1652.175,"end":1655.715,"sentiment":"neutral","sentiment_score":-0.22144484256996827}],"sentiment":"neutral","sentiment_score":-0.1962642933108977,"num_words":21,"start":1638.21,"end":1655.715},{"sentences":[{"text":"So I don't know what the situation will be next year.","start":1655.89,"end":1661.6699,"sentiment":"neutral","sentiment_score":-0.16566198454661804},{"text":"So it'll be at that higher duty the whole yeah.","start":1668.61,"end":1672.2151,"sentiment":"neutral","sentiment_score":0.0035295264213345947},{"text":"Yeah.","start":1673.9551,"end":1674.275,"sentiment":"neutral","sentiment_score":0.07969796657562256},{"text":"It's been for the last couple of years, so it should be the same.","start":1674.275,"end":1678.6151,"sentiment":"neutral","sentiment_score":0.0997242842401777},{"text":"Yeah.","start":1682.995,"end":1683.395,"sentiment":"neutral","sentiment_score":0.1367376148700714}],"sentiment":"neutral","sentiment_score":-0.004713810945710016,"num_words":37,"start":1655.89,"end":1683.395},{"sentences":[{"text":"Around that mark.","start":1683.395,"end":1684.26,"sentiment":"neutral","sentiment_score":0.15182286004225412},{"text":"We haven't.","start":1694.98,"end":1695.54,"sentiment":"neutral","sentiment_score":-0.0757658053189516},{"text":"It's not another thing on the list.","start":1695.54,"end":1697.385,"sentiment":"neutral","sentiment_score":-0.03744792565703392},{"text":"Mhmm.","start":1704.025,"end":1704.525,"sentiment":"neutral","sentiment_score":-0.02613803558051586},{"text":"Okay.","start":1721.23,"end":1721.73,"sentiment":"neutral","sentiment_score":0.11982619762420654}],"sentiment":"neutral","sentiment_score":0.009677832280950887,"num_words":14,"start":1683.395,"end":1721.73},{"sentences":[{"text":"Okay.","start":1722.03,"end":1722.53,"sentiment":"neutral","sentiment_score":0.1402917057275772},{"text":"Yeah.","start":1727.805,"end":1728.305,"sentiment":"positive","sentiment_score":0.3698772192001343},{"text":"Yeah.","start":1730.925,"end":1731.325,"sentiment":"neutral","sentiment_score":0.15777455270290375},{"text":"Sure.","start":1731.325,"end":1731.825,"sentiment":"neutral","sentiment_score":0.14798617362976074},{"text":"Is it down for the area at the moment?","start":1743.02,"end":1744.88,"sentiment":"neutral","sentiment_score":0.020407297027607758}],"sentiment":"neutral","sentiment_score":0.07689194803914198,"num_words":13,"start":1722.03,"end":1744.88},{"sentences":[{"text":"Yeah.","start":1748.78,"end":1749.02,"sentiment":"neutral","sentiment_score":-0.12371660768985748},{"text":"I think that's my bad.","start":1749.02,"end":1750.185,"sentiment":"neutral","sentiment_score":-0.2806855618953705},{"text":"Advice.","start":1750.3451,"end":1750.8451,"sentiment":"neutral","sentiment_score":-0.10009828209877014},{"text":"I've received the papers a couple of times and not it's so bad.","start":1751.0651,"end":1754.685,"sentiment":"neutral","sentiment_score":-0.14862069831444666},{"text":"Yeah.","start":1755.305,"end":1755.625,"sentiment":"neutral","sentiment_score":-0.04964242875576019}],"sentiment":"neutral","sentiment_score":-0.1718549621956689,"num_words":21,"start":1748.78,"end":1755.625},{"sentences":[{"text":"It it will be there.","start":1755.625,"end":1756.925,"sentiment":"neutral","sentiment_score":-0.10916176289319993},{"text":"I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway.","start":1758.905,"end":1763.405,"sentiment":"neutral","sentiment_score":-0.10283268496394157},{"text":"Yeah.","start":1766.39,"end":1766.55,"sentiment":"neutral","sentiment_score":-0.008936946280300617},{"text":"I mean, it it can only be your partner.","start":1766.55,"end":1768.41,"sentiment":"neutral","sentiment_score":-0.0074698097176022},{"text":"Right?","start":1768.75,"end":1769.25,"sentiment":"neutral","sentiment_score":0.001174895092844963}],"sentiment":"neutral","sentiment_score":-0.07784429944415645,"num_words":41,"start":1755.625,"end":1769.25},{"sentences":[{"text":"Or any line dependent?","start":1769.5901,"end":1773.1101,"sentiment":"neutral","sentiment_score":0.0036071203649044037},{"text":"Yeah.","start":1773.1101,"end":1773.51,"sentiment":"neutral","sentiment_score":0.002408022992312908},{"text":"But yeah.","start":1773.51,"end":1778.63,"sentiment":"neutral","sentiment_score":-0.009618652984499931},{"text":"No.","start":1778.63,"end":1778.79,"sentiment":"neutral","sentiment_score":-0.05743034929037094},{"text":"So just there.","start":1778.79,"end":1779.835,"sentiment":"neutral","sentiment_score":-0.03514010707537333}],"sentiment":"neutral","sentiment_score":-0.015022861093960026,"num_words":11,"start":1769.5901,"end":1779.835},{"sentences":[{"text":"Yep.","start":1790.855,"end":1791.27,"sentiment":"neutral","sentiment_score":0.11743943393230438},{"text":"To be honest, I think I still got the old one.","start":1796.63,"end":1799.53,"sentiment":"neutral","sentiment_score":-0.18486222421581094},{"text":"Does it need to be oh, yeah.","start":1801.59,"end":1803.11,"sentiment":"neutral","sentiment_score":-0.11038112533943993},{"text":"No.","start":1803.11,"end":1803.27,"sentiment":"neutral","sentiment_score":-0.2296622097492218},{"text":"I've I've signed them in 2024.","start":1803.27,"end":1805.99,"sentiment":"neutral","sentiment_score":-0.19238922744989395}],"sentiment":"neutral","sentiment_score":-0.1566427109333185,"num_words":26,"start":1790.855,"end":1805.99},{"sentences":[{"text":"Just do not post with them back.","start":1805.99,"end":1807.7749,"sentiment":"neutral","sentiment_score":-0.2816352610077177},{"text":"Yeah.","start":1808.715,"end":1808.955,"sentiment":"neutral","sentiment_score":-0.01732032001018524},{"text":"Maybe no.","start":1808.955,"end":1812.3949,"sentiment":"neutral","sentiment_score":-0.146553386002779},{"text":"I haven't got a witness.","start":1812.3949,"end":1813.5149,"sentiment":"neutral","sentiment_score":-0.23633140921592713},{"text":"I don't I think that was I think that was my roadblock, actually.","start":1813.5149,"end":1816.335,"sentiment":"neutral","sentiment_score":-0.3190763329084103}],"sentiment":"neutral","sentiment_score":-0.2718401176056692,"num_words":28,"start":1805.99,"end":1816.335},{"sentences":[{"text":"I kept forgetting to take them out with me.","start":1817.595,"end":1819.695,"sentiment":"neutral","sentiment_score":-0.2035280234283871},{"text":"Yeah.","start":1834.49,"end":1834.875,"sentiment":"neutral","sentiment_score":-0.027455493807792664},{"text":"If you can email it to me, I can I can do that?","start":1835.755,"end":1838.895,"sentiment":"neutral","sentiment_score":0.061915070964739874},{"text":"And then I can just email it back?","start":1844.395,"end":1846.255,"sentiment":"neutral","sentiment_score":0.02451061294414103},{"text":"Yeah.","start":1855.4501,"end":1855.9501,"sentiment":"neutral","sentiment_score":0.09276240319013596}],"sentiment":"neutral","sentiment_score":-0.023920764855574816,"num_words":32,"start":1817.595,"end":1855.9501},{"sentences":[{"text":"Sure.","start":1858.73,"end":1859.23,"sentiment":"neutral","sentiment_score":0.18395447731018064},{"text":"Yes.","start":1870.8351,"end":1871.3351,"sentiment":"neutral","sentiment_score":0.049268271774053574},{"text":"Yeah.","start":1883.01,"end":1883.51,"sentiment":"neutral","sentiment_score":0.0032521840184926987},{"text":"Yeah.","start":1895.505,"end":1896.005,"sentiment":"neutral","sentiment_score":0.03080848604440689},{"text":"Yeah.","start":1896.625,"end":1897.0249,"sentiment":"neutral","sentiment_score":0.029358308762311935}],"sentiment":"neutral","sentiment_score":0.05932834558188915,"num_words":5,"start":1858.73,"end":1897.0249},{"sentences":[{"text":"I mean, it's yeah.","start":1897.0249,"end":1901.38,"sentiment":"neutral","sentiment_score":0.029497130773961544},{"text":"They're they're cleared with the Medicare.","start":1901.38,"end":1903.48,"sentiment":"neutral","sentiment_score":0.022498756957550842},{"text":"Mhmm.","start":1907.7,"end":1908.2,"sentiment":"neutral","sentiment_score":0.08443734049797058},{"text":"Yes.","start":1914.595,"end":1915.095,"sentiment":"neutral","sentiment_score":0.17802254855632782},{"text":"Mhmm.","start":1920.035,"end":1920.535,"sentiment":"neutral","sentiment_score":0.08429382741451263}],"sentiment":"neutral","sentiment_score":0.04613344471615095,"num_words":13,"start":1897.0249,"end":1920.535},{"sentences":[{"text":"Yep.","start":1930.13,"end":1930.29,"sentiment":"neutral","sentiment_score":0.11658914387226103},{"text":"Yeah.","start":1930.29,"end":1930.79,"sentiment":"neutral","sentiment_score":0.12834767997264862},{"text":"No.","start":1932.37,"end":1932.61,"sentiment":"neutral","sentiment_score":0.07390530407428741},{"text":"I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married.","start":1932.61,"end":1940.785,"sentiment":"neutral","sentiment_score":0.16184134811162948},{"text":"Positive positive foreshadowing.","start":1941.085,"end":1942.785,"sentiment":"positive","sentiment_score":0.3827341894308726}],"sentiment":"neutral","sentiment_score":0.17784123867750168,"num_words":31,"start":1930.13,"end":1942.785},{"sentences":[{"text":"Mhmm.","start":1963.765,"end":1964.265,"sentiment":"neutral","sentiment_score":0.09345321357250214},{"text":"Yep.","start":1974.73,"end":1975.23,"sentiment":"neutral","sentiment_score":0.04194860905408859},{"text":"Mhmm.","start":1984.1699,"end":1984.6699,"sentiment":"neutral","sentiment_score":0.02177085541188717},{"text":"I think that's Okay.","start":1992.345,"end":1993.945,"sentiment":"neutral","sentiment_score":-0.04338546399958432},{"text":"At the moment.","start":1993.945,"end":1994.6849,"sentiment":"neutral","sentiment_score":0.007552473495403924}],"sentiment":"neutral","sentiment_score":0.0006288242526352403,"num_words":10,"start":1963.765,"end":1994.6849},{"sentences":[{"text":"Yeah.","start":2016.72,"end":2017.22,"sentiment":"neutral","sentiment_score":0.057497669011354446},{"text":"Yep.","start":2023.095,"end":2023.595,"sentiment":"neutral","sentiment_score":0.03394172340631485},{"text":"Yeah.","start":2033.59,"end":2034.09,"sentiment":"neutral","sentiment_score":-0.05280469357967377},{"text":"Mhmm.","start":2035.75,"end":2036.25,"sentiment":"neutral","sentiment_score":0.023433033376932144},{"text":"Yeah.","start":2043.4299,"end":2043.83,"sentiment":"neutral","sentiment_score":0.0342959389090538}],"sentiment":"neutral","sentiment_score":0.019272734224796296,"num_words":5,"start":2016.72,"end":2043.83},{"sentences":[{"text":"I put a good bank and sick leave as well because, like yeah.","start":2043.83,"end":2047.355,"sentiment":"neutral","sentiment_score":0.19141793136413282},{"text":"We've I work for the Department of Education, so it doesn't really matter if I move schools and things.","start":2047.355,"end":2051.295,"sentiment":"neutral","sentiment_score":0.10940737159628618},{"text":"It's still the same employer.","start":2051.9949,"end":2053.2148,"sentiment":"neutral","sentiment_score":0.23369594812393188},{"text":"Mhmm.","start":2064.78,"end":2065.28,"sentiment":"neutral","sentiment_score":0.06802347302436829},{"text":"Okay.","start":2073.725,"end":2074.225,"sentiment":"neutral","sentiment_score":0.21456483006477356}],"sentiment":"neutral","sentiment_score":0.15431387722492218,"num_words":39,"start":2043.83,"end":2074.225},{"sentences":[{"text":"Mhmm.","start":2084.845,"end":2084.925,"sentiment":"neutral","sentiment_score":0.09532524645328522},{"text":"Yeah.","start":2084.925,"end":2085.165,"sentiment":"neutral","sentiment_score":0.16860824823379517},{"text":"I think that should be okay.","start":2085.165,"end":2092.1675,"sentiment":"neutral","sentiment_score":0.2419861297433575},{"text":"Yep.","start":2094.6714,"end":2095.1714,"sentiment":"neutral","sentiment_score":-0.0954534113407135},{"text":"Yes.","start":2100.075,"end":2100.575,"sentiment":"neutral","sentiment_score":0.19393229484558103}],"sentiment":"neutral","sentiment_score":0.1814329156652093,"num_words":10,"start":2084.845,"end":2100.575},{"sentences":[{"text":"Mhmm.","start":2109.595,"end":2109.7551,"sentiment":"neutral","sentiment_score":0.016649875789880753},{"text":"Not at all good.","start":2109.7551,"end":2110.815,"sentiment":"neutral","sentiment_score":-0.1257946789264679},{"text":"Mhmm.","start":2119.02,"end":2119.52,"sentiment":"neutral","sentiment_score":0.1172909289598465},{"text":"Yep.","start":2127.02,"end":2127.315,"sentiment":"neutral","sentiment_score":0.2017212361097336},{"text":"Yep.","start":2130.275,"end":2130.775,"sentiment":"neutral","sentiment_score":0.16133810579776764}],"sentiment":"neutral","sentiment_score":-0.0007723211310803856,"num_words":8,"start":2109.595,"end":2130.775},{"sentences":[{"text":"Right.","start":2135.7148,"end":2136.2148,"sentiment":"neutral","sentiment_score":0.2594829201698303},{"text":"Mhmm.","start":2143.15,"end":2143.65,"sentiment":"neutral","sentiment_score":0.1375730186700821},{"text":"Yeah.","start":2151.95,"end":2152.45,"sentiment":"neutral","sentiment_score":0.09666875749826433},{"text":"Okay.","start":2154.51,"end":2154.99,"sentiment":"neutral","sentiment_score":0.1606520563364029},{"text":"Perfect.","start":2154.99,"end":2155.49,"sentiment":"neutral","sentiment_score":0.16532161831855774}],"sentiment":"neutral","sentiment_score":0.16393967419862748,"num_words":5,"start":2135.7148,"end":2155.49},{"sentences":[{"text":"Sorry.","start":2156.2449,"end":2156.565,"sentiment":"neutral","sentiment_score":-0.033468231558799744},{"text":"Sorry.","start":2156.565,"end":2156.9648,"sentiment":"neutral","sentiment_score":-0.07423800975084305},{"text":"I was right at the beginning of the call.","start":2156.9648,"end":2158.2449,"sentiment":"neutral","sentiment_score":-0.037802191658152476},{"text":"Did you say it was about 5 k at like, last time we did our review for these shares?","start":2158.2449,"end":2163.065,"sentiment":"neutral","sentiment_score":-0.018487167054493176},{"text":"When we were discussing the shares before, from what I had last year, was it around 5 k?","start":2167.845,"end":2176.17,"sentiment":"neutral","sentiment_score":-0.002897814071426789}],"sentiment":"neutral","sentiment_score":-0.017736308199043076,"num_words":48,"start":2156.2449,"end":2176.17},{"sentences":[{"text":"Okay.","start":2180.5498,"end":2181.0498,"sentiment":"neutral","sentiment_score":0.024275798350572583},{"text":"Yeah.","start":2182.0698,"end":2182.5698,"sentiment":"neutral","sentiment_score":0.013682889752089976},{"text":"Okay.","start":2183.5898,"end":2184.0698,"sentiment":"positive","sentiment_score":0.38338732719421387},{"text":"Good.","start":2184.0698,"end":2184.39,"sentiment":"positive","sentiment_score":0.6456359028816223},{"text":"Great.","start":2184.39,"end":2184.825,"sentiment":"positive","sentiment_score":0.6834578514099121}],"sentiment":"positive","sentiment_score":0.35008795391768216,"num_words":5,"start":2180.5498,"end":2184.825},{"sentences":[{"text":"Mhmm.","start":2195.385,"end":2195.885,"sentiment":"neutral","sentiment_score":0.041864048689603806},{"text":"Okay.","start":2202.9202,"end":2203.4202,"sentiment":"neutral","sentiment_score":0.10105268657207488},{"text":"Yeah.","start":2206.76,"end":2207.26,"sentiment":"neutral","sentiment_score":0.050605881959199905},{"text":"Yeah.","start":2211.56,"end":2212.06,"sentiment":"neutral","sentiment_score":-0.0072823455557227135},{"text":"Yep.","start":2218.015,"end":2218.255,"sentiment":"neutral","sentiment_score":0.07009365409612656}],"sentiment":"neutral","sentiment_score":0.05126678515225649,"num_words":5,"start":2195.385,"end":2218.255},{"sentences":[{"text":"And then I guess sorry.","start":2218.255,"end":2219.535,"sentiment":"neutral","sentiment_score":0.024286087974905966},{"text":"I said I had no questions.","start":2219.535,"end":2220.755,"sentiment":"neutral","sentiment_score":-0.011673738559087118},{"text":"The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on?","start":2220.815,"end":2234.1199,"sentiment":"neutral","sentiment_score":-0.05319606211474713},{"text":"Mhmm.","start":2240.18,"end":2240.505,"sentiment":"neutral","sentiment_score":0.07420572638511658},{"text":"Mhmm.","start":2252.1848,"end":2252.52,"sentiment":"neutral","sentiment_score":0.2040185034275055}],"sentiment":"neutral","sentiment_score":-0.03146923135252709,"num_words":47,"start":2218.255,"end":2252.52},{"sentences":[{"text":"Yep.","start":2256.76,"end":2257.26,"sentiment":"neutral","sentiment_score":0.27622830867767334},{"text":"Mhmm.","start":2270.275,"end":2270.775,"sentiment":"neutral","sentiment_score":0.025797775015234947},{"text":"Yep.","start":2279.7148,"end":2280.12,"sentiment":"neutral","sentiment_score":0.1105840802192688},{"text":"Mhmm.","start":2286.2002,"end":2286.7002,"sentiment":"neutral","sentiment_score":0.04354932904243469},{"text":"Yes.","start":2288.84,"end":2289.34,"sentiment":"neutral","sentiment_score":0.06126042455434799}],"sentiment":"neutral","sentiment_score":0.10348398350179196,"num_words":5,"start":2256.76,"end":2289.34},{"sentences":[{"text":"Yeah.","start":2297.015,"end":2297.515,"sentiment":"neutral","sentiment_score":0.03950507938861847},{"text":"Mhmm.","start":2304.135,"end":2304.635,"sentiment":"neutral","sentiment_score":-0.007212960626929998},{"text":"Yeah.","start":2312.25,"end":2312.75,"sentiment":"neutral","sentiment_score":0.05381499603390694},{"text":"Yeah.","start":2318.57,"end":2319.07,"sentiment":"neutral","sentiment_score":0.051338616758584976},{"text":"Hopefully.","start":2319.69,"end":2320.19,"sentiment":"neutral","sentiment_score":0.08902411162853241}],"sentiment":"neutral","sentiment_score":0.04529396863654256,"num_words":5,"start":2297.015,"end":2320.19},{"sentences":[{"text":"Yeah.","start":2321.875,"end":2322.275,"sentiment":"neutral","sentiment_score":0.0949377417564392},{"text":"Ideally, we're hoping that within the next twelve months, probably on maternity leave.","start":2322.275,"end":2327.815,"sentiment":"neutral","sentiment_score":0.09092808772738163},{"text":"Yeah.","start":2335.2,"end":2335.7,"sentiment":"neutral","sentiment_score":-0.030256863683462143},{"text":"But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after.","start":2336.24,"end":2345.805,"sentiment":"neutral","sentiment_score":0.0396323345463585},{"text":"Yep.","start":2356.6848,"end":2357.1848,"sentiment":"neutral","sentiment_score":0.0928211510181427}],"sentiment":"neutral","sentiment_score":0.05603814423950606,"num_words":43,"start":2321.875,"end":2357.1848},{"sentences":[{"text":"Mhmm.","start":2365.82,"end":2366.32,"sentiment":"neutral","sentiment_score":-0.07873470336198807},{"text":"Yeah.","start":2370.22,"end":2370.72,"sentiment":"neutral","sentiment_score":-0.059696272015571594},{"text":"Okay.","start":2372.3,"end":2372.8,"sentiment":"neutral","sentiment_score":0.040470633655786514},{"text":"Cool.","start":2373.105,"end":2373.605,"sentiment":"neutral","sentiment_score":0.08102422207593918},{"text":"Mhmm.","start":2381.345,"end":2381.845,"sentiment":"negative","sentiment_score":-0.4454897046089173}],"sentiment":"neutral","sentiment_score":-0.09248516485095025,"num_words":5,"start":2365.82,"end":2381.845},{"sentences":[{"text":"Yeah.","start":2383.505,"end":2384.005,"sentiment":"neutral","sentiment_score":-0.08025585114955902},{"text":"Mhmm.","start":2393.92,"end":2394.42,"sentiment":"neutral","sentiment_score":0.004813614301383495},{"text":"Yeah.","start":2402.655,"end":2403.155,"sentiment":"neutral","sentiment_score":-0.0990285575389862},{"text":"Yeah.","start":2414.2,"end":2414.7,"sentiment":"neutral","sentiment_score":-0.09784448891878128},{"text":"Mhmm.","start":2436.335,"end":2436.835,"sentiment":"neutral","sentiment_score":-0.06413297355175018}],"sentiment":"neutral","sentiment_score":-0.06728965137153864,"num_words":5,"start":2383.505,"end":2436.835},{"sentences":[{"text":"Yeah.","start":2445.47,"end":2445.97,"sentiment":"neutral","sentiment_score":0.2888384759426117},{"text":"Mhmm.","start":2452.27,"end":2452.755,"sentiment":"neutral","sentiment_score":0.10478344559669496},{"text":"Yeah.","start":2455.3948,"end":2455.8948,"sentiment":"neutral","sentiment_score":0.07384049892425537},{"text":"Okay.","start":2458.115,"end":2458.595,"sentiment":"neutral","sentiment_score":0.2839152216911316},{"text":"Cool.","start":2458.595,"end":2459.095,"sentiment":"neutral","sentiment_score":0.3286782503128052}],"sentiment":"neutral","sentiment_score":0.21601117849349977,"num_words":5,"start":2445.47,"end":2459.095},{"sentences":[{"text":"Yeah.","start":2464.835,"end":2465.25,"sentiment":"neutral","sentiment_score":0.10359875112771988},{"text":"Mhmm.","start":2469.09,"end":2469.59,"sentiment":"neutral","sentiment_score":0.07055261731147766},{"text":"Mhmm.","start":2476.69,"end":2476.77,"sentiment":"neutral","sentiment_score":0.08905930072069168},{"text":"Yep.","start":2476.77,"end":2477.27,"sentiment":"neutral","sentiment_score":0.14671100676059723},{"text":"Yep.","start":2478.61,"end":2478.885,"sentiment":"neutral","sentiment_score":0.2015303820371628}],"sentiment":"neutral","sentiment_score":0.12229041159152984,"num_words":5,"start":2464.835,"end":2478.885},{"sentences":[{"text":"Yeah.","start":2480.805,"end":2481.045,"sentiment":"neutral","sentiment_score":0.22670376300811768},{"text":"Yeah.","start":2481.045,"end":2481.545,"sentiment":"neutral","sentiment_score":0.32705140113830566},{"text":"Cool.","start":2481.685,"end":2482.185,"sentiment":"positive","sentiment_score":0.430778443813324},{"text":"Yeah.","start":2487.845,"end":2488.345,"sentiment":"neutral","sentiment_score":0.21017588675022125},{"text":"I guess my my mindset is kind of, like I think I'm very much, like, live to my me.","start":2488.565,"end":2494.49,"sentiment":"positive","sentiment_score":0.37991533546071304}],"sentiment":"positive","sentiment_score":0.36578699428102246,"num_words":23,"start":2480.805,"end":2494.49},{"sentences":[{"text":"So it's like, if I can it's if I can afford to do it, I would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything.","start":2494.55,"end":2506.1501,"sentiment":"neutral","sentiment_score":0.07180273905396461},{"text":"So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100.","start":2506.1501,"end":2514.0552,"sentiment":"neutral","sentiment_score":0.20692384958267213},{"text":"That's like yeah.","start":2515.395,"end":2516.7751,"sentiment":"positive","sentiment_score":0.3802849551041921},{"text":"But that's something I can work on with my budgeting too.","start":2517.235,"end":2520.135,"sentiment":"neutral","sentiment_score":0.2699617702852596},{"text":"But that's yeah.","start":2520.915,"end":2531.21,"sentiment":"neutral","sentiment_score":0.042947416504224144}],"sentiment":"neutral","sentiment_score":0.15596928888637768,"num_words":76,"start":2494.55,"end":2531.21},{"sentences":[{"text":"We had a we had a pay rise probably a couple of years ago.","start":2531.21,"end":2535.4348,"sentiment":"neutral","sentiment_score":-0.020457021359886442},{"text":"So I think we've had our we had quite a significant pay ride, so I think we'll be pretty steady for a while.","start":2535.4348,"end":2541.375,"sentiment":"neutral","sentiment_score":0.31735822623190674},{"text":"I'm not sure, to be honest.","start":2559.1301,"end":2560.67,"sentiment":"neutral","sentiment_score":-0.058376818895339966},{"text":"Even, like, I've I because I wasn't even sure how much was being contributed to Super.","start":2560.9148,"end":2565.095,"sentiment":"neutral","sentiment_score":-0.11400420358404517},{"text":"I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were contributing.","start":2565.6348,"end":2581.3,"sentiment":"neutral","sentiment_score":-0.13969295966354284}],"sentiment":"neutral","sentiment_score":-0.024952631999264684,"num_words":114,"start":2531.21,"end":2581.3},{"sentences":[{"text":"Yeah.","start":2589.2,"end":2589.435,"sentiment":"neutral","sentiment_score":0.16709548234939575},{"text":"Yeah.","start":2595.675,"end":2596.175,"sentiment":"neutral","sentiment_score":0.16951550543308258},{"text":"Yeah.","start":2598.395,"end":2598.895,"sentiment":"neutral","sentiment_score":0.10713282227516174},{"text":"Yep.","start":2616.07,"end":2616.57,"sentiment":"neutral","sentiment_score":0.10533542931079865},{"text":"Mhmm.","start":2622.195,"end":2622.695,"sentiment":"neutral","sentiment_score":0.03920326381921768}],"sentiment":"neutral","sentiment_score":0.11765650063753127,"num_words":5,"start":2589.2,"end":2622.695},{"sentences":[{"text":"Mhmm.","start":2627.795,"end":2628.295,"sentiment":"neutral","sentiment_score":0.09693655371665956},{"text":"Yep.","start":2630.77,"end":2631.27,"sentiment":"neutral","sentiment_score":0.10230101644992828},{"text":"Yep.","start":2638.69,"end":2639.19,"sentiment":"neutral","sentiment_score":0.11531104892492294},{"text":"Sure.","start":2646.2148,"end":2646.7148,"sentiment":"neutral","sentiment_score":0.09185759723186492},{"text":"Yep.","start":2647.4949,"end":2647.895,"sentiment":"neutral","sentiment_score":0.17677704989910126}],"sentiment":"neutral","sentiment_score":0.11663665324449539,"num_words":5,"start":2627.795,"end":2647.895},{"sentences":[{"text":"Sure.","start":2647.895,"end":2648.395,"sentiment":"positive","sentiment_score":0.3450672924518585},{"text":"Mhmm.","start":2658.28,"end":2658.78,"sentiment":"neutral","sentiment_score":0.1163543164730072},{"text":"No.","start":2665.08,"end":2665.4802,"sentiment":"neutral","sentiment_score":-0.04906424507498741},{"text":"That's it.","start":2665.4802,"end":2666.12,"sentiment":"neutral","sentiment_score":-0.021523569477722052},{"text":"Thank you.","start":2666.12,"end":2666.9202,"sentiment":"positive","sentiment_score":0.431665375828743}],"sentiment":"neutral","sentiment_score":0.17609156807884574,"num_words":7,"start":2647.895,"end":2666.9202},{"sentences":[{"text":"Oh, actually, sorry.","start":2666.9202,"end":2667.8801,"sentiment":"neutral","sentiment_score":0.03316151350736618},{"text":"I do have a question.","start":2667.8801,"end":2668.9402,"sentiment":"neutral","sentiment_score":-0.004475208558142185},{"text":"If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients?","start":2670.28,"end":2677.035,"sentiment":"neutral","sentiment_score":0.004219373261245589},{"text":"Mhmm.","start":2684.775,"end":2685.275,"sentiment":"neutral","sentiment_score":0.04933004453778267},{"text":"Mhmm.","start":2691.3098,"end":2691.47,"sentiment":"neutral","sentiment_score":0.09966246783733368}],"sentiment":"neutral","sentiment_score":0.009628410834599943,"num_words":34,"start":2666.9202,"end":2691.47},{"sentences":[{"text":"Yep.","start":2691.47,"end":2691.97,"sentiment":"neutral","sentiment_score":0.1017596572637558},{"text":"Mhmm.","start":2696.43,"end":2696.93,"sentiment":"neutral","sentiment_score":0.07349391281604767},{"text":"Mhmm.","start":2703.205,"end":2703.705,"sentiment":"neutral","sentiment_score":0.09590763598680496},{"text":"Yep.","start":2707.285,"end":2707.785,"sentiment":"neutral","sentiment_score":0.15192119777202606},{"text":"Yeah.","start":2710.485,"end":2710.885,"sentiment":"neutral","sentiment_score":0.09030163288116456}],"sentiment":"neutral","sentiment_score":0.10267680734395981,"num_words":5,"start":2691.47,"end":2710.885},{"sentences":[{"text":"Sure.","start":2710.885,"end":2711.385,"sentiment":"neutral","sentiment_score":0.08878225088119507},{"text":"Mhmm.","start":2718.09,"end":2718.59,"sentiment":"neutral","sentiment_score":0.056714918464422226},{"text":"Yeah.","start":2726.41,"end":2726.805,"sentiment":"neutral","sentiment_score":0.07056565582752228},{"text":"That's awesome.","start":2730.4849,"end":2731.145,"sentiment":"positive","sentiment_score":0.573701798915863},{"text":"Yes.","start":2745.3801,"end":2745.8801,"sentiment":"neutral","sentiment_score":0.13763020932674408}],"sentiment":"neutral","sentiment_score":0.2501827720552683,"num_words":6,"start":2710.885,"end":2745.8801},{"sentences":[{"text":"Okay.","start":2759.875,"end":2760.195,"sentiment":"neutral","sentiment_score":0.1459484100341797},{"text":"Sure.","start":2760.195,"end":2760.695,"sentiment":"neutral","sentiment_score":0.205893874168396},{"text":"Great.","start":2761.635,"end":2762.035,"sentiment":"neutral","sentiment_score":0.2982622981071472},{"text":"Thank you.","start":2762.035,"end":2762.855,"sentiment":"positive","sentiment_score":0.42189593613147736},{"text":"Mhmm.","start":2770.3,"end":2770.8,"sentiment":"neutral","sentiment_score":0.11302470415830612}],"sentiment":"neutral","sentiment_score":0.26782019312183064,"num_words":6,"start":2759.875,"end":2770.8},{"sentences":[{"text":"Sure.","start":2776.2952,"end":2776.7952,"sentiment":"neutral","sentiment_score":0.054632868617773056},{"text":"Yeah.","start":2777.495,"end":2777.735,"sentiment":"neutral","sentiment_score":0.0018859542906284332},{"text":"No.","start":2777.735,"end":2777.895,"sentiment":"neutral","sentiment_score":-0.006407392211258411},{"text":"I I we haven't really discussed it, but I just thought potentially would be good.","start":2777.895,"end":2782.395,"sentiment":"neutral","sentiment_score":0.08980384618043899},{"text":"Yeah.","start":2787.2551,"end":2787.7551,"sentiment":"neutral","sentiment_score":0.0187218114733696}],"sentiment":"neutral","sentiment_score":0.07452057551984724,"num_words":19,"start":2776.2952,"end":2787.7551},{"sentences":[{"text":"Yeah.","start":2793.99,"end":2794.49,"sentiment":"neutral","sentiment_score":0.03689800575375557},{"text":"Yeah.","start":2798.15,"end":2798.65,"sentiment":"neutral","sentiment_score":0.07322113960981369},{"text":"Sure.","start":2800.71,"end":2801.145,"sentiment":"neutral","sentiment_score":0.2685830593109131},{"text":"That's that's it.","start":2805.625,"end":2806.2651,"sentiment":"neutral","sentiment_score":0.05580230429768562},{"text":"Thank you so much for your time.","start":2806.2651,"end":2807.725,"sentiment":"positive","sentiment_score":0.7373679791178022}],"sentiment":"positive","sentiment_score":0.4390526901070888,"num_words":13,"start":2793.99,"end":2807.725},{"sentences":[{"text":"Thank you.","start":2819.5999,"end":2820.16,"sentiment":"positive","sentiment_score":0.7604883015155792},{"text":"Have a nice night.","start":2820.16,"end":2821.22,"sentiment":"positive","sentiment_score":0.7383082211017609},{"text":"See you.","start":2823.0398,"end":2823.3599,"sentiment":"positive","sentiment_score":0.41009198129177094},{"text":"Bye.","start":2823.3599,"end":2823.8599,"sentiment":"neutral","sentiment_score":0.2127058357000351}],"sentiment":"positive","sentiment_score":0.6118999206357532,"num_words":9,"start":2819.5999,"end":2823.8599}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Simone. It's Tommy here, senior adviser from Oakview Financial. How are you going this evening?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm doing fantastic. I'm just giving you a call to go through your annual review if you still have time.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. So I've got a bit of an email pack I'm gonna send through to you today. Are you okay if I just go through a quick security check with you?\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Amazing. The calls are recorded for training and quality purposes. You don't have a security question on file. Could I please confirm your date of birth and address?\n\nChannel 1: Yep. 11/03/1991.\n\nChannel 0: Perfect. And\n\nChannel 1: And 361 Corby\n\nChannel 0: you're amazing. And I'm registered\n\nChannel 1: Avenue.\n\nChannel 0: with Asica's adviser 1273105. But thank you very much for doing that, Simone.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I've got this pack coming out to your Gmail address. Will\n\nChannel 1: Yeah.\n\nChannel 0: you be able to look onto it with me today, or should I just walk you through the documents?\n\nChannel 1: I can open\n\nChannel 0: Amazing. So that'll come through in a moment. It's gonna come from our new Odoo system, which is kind of custom built for us. It may go through to your spam box or your main inbox as well just\n\nChannel 1: hear\n\nChannel 0: for that first time. Alright. Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review?\n\nChannel 1: Sure. No. Not in particular. I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past. So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm\n\nChannel 0: Yep.\n\nChannel 1: interested\n\nChannel 0: Perfect.\n\nChannel 1: in getting a bit more information about.\n\nChannel 0: Yep. I can definitely help you with the personal investment side of things as well. And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we\n\nChannel 1: Mhmm.\n\nChannel 0: carried across from last year, if that's okay. Cool.\n\nChannel 1: Yep.\n\nChannel 0: So I'm just gonna quickly go through the previous goals from your conversation with Dana there. It was pretty straightforward from what I can see. You're really just focusing on paying down the mortgage a bit of an earlier\n\nChannel 1: Mhmm.\n\nChannel 0: retirement and maintaining a bit of protection there. Does that sound about right? K. Now I've got your retirement age set for 60. That's\n\nChannel 1: Mhmm.\n\nChannel 0: your\n\nChannel 1: Mhmm.\n\nChannel 0: preservation age when you can access super. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: trying to grow things quite quickly to make sure there's enough there by 60. Does that sound right?\n\nChannel 1: Yeah. Ideally, if possible.\n\nChannel 0: Absolutely. And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing?\n\nChannel 1: I guess we're we're trying to trying to think about trying to start a family at the moment. So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan.\n\nChannel 0: Yep. Okay. Fantastic. And I'm just having a quick look at assets and liabilities there. You've still mainly just got the the main residence with the mortgage\n\nChannel 1: Mhmm.\n\nChannel 0: car and a little bit of the CommSec account. Is that kind of your main assets? K. If you don't mind me asking, with the mortgage, we had it listed at 450\n\nChannel 1: Yep.\n\nChannel 0: thousand. Have you paid off a big chunk since then? I know the interest\n\nChannel 1: I\n\nChannel 0: rates\n\nChannel 1: think\n\nChannel 0: have\n\nChannel 1: we're\n\nChannel 0: jumped\n\nChannel 1: at\n\nChannel 0: up.\n\nChannel 1: about $4.20 now,\n\nChannel 0: 4\n\nChannel 1: roughly.\n\nChannel 0: 20. And last value was 750,000. I know the market's kind of jumped up quite a bit the last year or so.\n\nChannel 1: Mhmm.\n\nChannel 0: Would\n\nChannel 1: We\n\nChannel 0: you\n\nChannel 1: haven't\n\nChannel 0: say\n\nChannel 1: had\n\nChannel 0: that?\n\nChannel 1: it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7.50 now.\n\nChannel 0: Yeah. $7.50 to 800 as a bit of a range.\n\nChannel 1: Mhmm.\n\nChannel 0: I think we did actually have listed down about $5,000 in ETFs previously. Have\n\nChannel 1: Okay.\n\nChannel 0: you kind of built up the Comsec account above that?\n\nChannel 1: I think I'm at about 13 or 14 k at the moment.\n\nChannel 0: Oh, fantastic. Are you putting aside, like, regular amounts? Or\n\nChannel 1: Yes. I'm doing two hun like, around 200 a fortnight.\n\nChannel 0: yep. Right. Good little toe dip into it. And have you found it so far?\n\nChannel 1: Yeah. Good. Like, I'm not missing the money. I just become part of the routine now.\n\nChannel 0: Yep. So it's part of the surplus there. It's not something that you need to kind of sell down or access in the next twelve months or so.\n\nChannel 1: Yeah. Hopefully not.\n\nChannel 0: Perfect. And the last couple of questions on assets and liabilities, you\n\nChannel 1: Mhmm.\n\nChannel 0: had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down.\n\nChannel 1: Yeah. That's the same.\n\nChannel 0: Perfect. Alrighty. Now I might just quickly touch on the the CommSec side of things at the moment. Now\n\nChannel 1: Mhmm.\n\nChannel 0: were you able to kind of pick your own ETF investments from your own research? How did you kind of come up with what to\n\nChannel 1: I just kind of went for very broad ones, to be honest. Like, with Comsec, they've got kind of categories that you can\n\nChannel 0: put\n\nChannel 1: invest in. So I've got, like, a tech one,\n\nChannel 0: them\n\nChannel 1: and then\n\nChannel 0: in?\n\nChannel 1: I've got a, like, global global top 200 or whatever, and then the ASX 200.\n\nChannel 0: Yep. So a bit of a spread across a few different ones.\n\nChannel 1: Yeah. I just kinda wanted to keep it very basic starting out.\n\nChannel 0: Perfect. And did you just go for, like, a standard kind of Vanguard funds for all three of those?\n\nChannel 1: Yeah. I believe so.\n\nChannel 0: Amazing. So nice and low fee there. Brokerage isn't\n\nChannel 1: Mhmm.\n\nChannel 0: usually too much.\n\nChannel 1: Yeah.\n\nChannel 0: When it comes to the investing side of things, I guess the\n\nChannel 1: Mhmm.\n\nChannel 0: way I can explain the landscape for you is\n\nChannel 1: Mhmm.\n\nChannel 0: your Comsec accounts, nav trade accounts give you access to the shares and the ETFs. And it's\n\nChannel 1: Mhmm.\n\nChannel 0: a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them.\n\nChannel 1: Mhmm.\n\nChannel 0: From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow. The only\n\nChannel 1: Yeah.\n\nChannel 0: thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example,\n\nChannel 1: Mhmm.\n\nChannel 0: from us, or other investment options, asset classes, and things like that.\n\nChannel 1: Yep.\n\nChannel 0: So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held\n\nChannel 1: Mhmm.\n\nChannel 0: personally in your name, and they've got\n\nChannel 1: Yep.\n\nChannel 0: all the same investment options. 1,000\n\nChannel 1: Okay.\n\nChannel 0: 300 options, all the shares, ETFs, everything you kind of want, and you can\n\nChannel 1: Mhmm.\n\nChannel 0: pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So we do do a lot of that for clients. But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance. You can kind of\n\nChannel 1: Okay.\n\nChannel 0: afford to get the fancier platform with all the bells, whistles, features, and options. It's not something that you would do, for example, with 13,000. We usually start off people in those accounts at about 50 or 80,000.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling. And then once\n\nChannel 1: Mhmm.\n\nChannel 0: you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform. So it's kind of like three degrees of platform structure. One for\n\nChannel 1: Mhmm.\n\nChannel 0: the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that.\n\nChannel 1: Yep.\n\nChannel 0: K? Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can\n\nChannel 1: Mhmm.\n\nChannel 0: invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house\n\nChannel 1: Yeah.\n\nChannel 0: deposit or a car. So you kind of bounce between the two. You've got your\n\nChannel 1: Mhmm.\n\nChannel 0: ETFs and managed platforms, and then you've got, like, tax structures for investing\n\nChannel 1: Yep.\n\nChannel 0: for on behalf of other people.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. What are your thoughts on that so far? I know I've just kind of dumped a bit of info at you, but any initial thoughts?\n\nChannel 1: I guess that's something that potentially we will look into if if the family happens.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I I mean, I I very much feel like I'm just kinda dabbling at the moment. So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do. So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing?\n\nChannel 0: Yeah. So the two main considerations I'll give you is, yes, absolutely.\n\nChannel 1: Mhmm.\n\nChannel 0: If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll. There's no point trying to kind of go fancier than that and apply any fees.\n\nChannel 1: Yeah.\n\nChannel 0: That's perfectly fine the way it is. The only thing\n\nChannel 1: Mhmm.\n\nChannel 0: to keep in mind is, like I mentioned before, access to the funds. If you're\n\nChannel 1: Mhmm.\n\nChannel 0: gonna put it all in shares, you generally wanna be investing for at least five to ten years rather\n\nChannel 1: Yeah.\n\nChannel 0: than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially\n\nChannel 1: Yeah. I\n\nChannel 0: in\n\nChannel 1: guess\n\nChannel 0: the\n\nChannel 1: that's\n\nChannel 0: middle\n\nChannel 1: why\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: kind\n\nChannel 0: stock market\n\nChannel 1: of\n\nChannel 0: crash.\n\nChannel 1: only was doing the 200 because yeah. I'm I'm kind of using that as, like, set and forget at the moment.\n\nChannel 0: Yeah. It's almost like you're gonna forward to lose it kind of thing. So it's it's okay if it kind of goes up and down with the stock\n\nChannel 1: Yeah.\n\nChannel 0: market, would you say?\n\nChannel 1: Yes.\n\nChannel 0: Absolutely. So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And that's all perfectly well to try and get maximum growth for retirement over the next\n\nChannel 1: Yep.\n\nChannel 0: thirty years. When we do personal investing, we actually create for you a personal risk profile. And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on\n\nChannel 1: Mhmm.\n\nChannel 0: what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so\n\nChannel 1: Yep.\n\nChannel 0: on, we can kind\n\nChannel 1: Mhmm.\n\nChannel 0: of tailor things a little bit there down the line.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Now while we're on the subject, I just wanted to double check. Obviously, you've been checking\n\nChannel 1: Sure.\n\nChannel 0: your super lately, and\n\nChannel 1: Mhmm.\n\nChannel 0: you're in that kind of volatile market at the moment. I've noticed\n\nChannel 1: Yep.\n\nChannel 0: your your fund bouncing up and down quite a bit lately. When was the last time you logged in?\n\nChannel 1: Yesterday, I think. Yesterday or the day\n\nChannel 0: Yesterday.\n\nChannel 1: before. But\n\nChannel 0: Perfect.\n\nChannel 1: I hadn't for a while before that.\n\nChannel 0: One really good example I wanted to just quickly run by you is\n\nChannel 1: Mhmm.\n\nChannel 0: when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135. So it's a\n\nChannel 1: Yep.\n\nChannel 0: $10 drop, and then it bounced straight back up to $1.46 a few\n\nChannel 1: Mhmm.\n\nChannel 0: weeks later. So it's like 10 down, 11 up, and\n\nChannel 1: Yeah.\n\nChannel 0: that kind of equates to, like, a 7% drop and a 9% gain in all\n\nChannel 1: Mhmm.\n\nChannel 0: of six weeks. So that's kind\n\nChannel 1: Yeah.\n\nChannel 0: of the volatility we're looking at. I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in\n\nChannel 1: Mhmm.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: shorter period of time. And I was wanting to kind of gauge your comfort level with that.\n\nChannel 1: Yeah. I think I'm like yeah. I feel like that's to be expected at the moment.\n\nChannel 0: Yep. Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially\n\nChannel 1: Yeah.\n\nChannel 0: considering you're in the education department. They pay pretty well on the payroll frequency. They're not just\n\nChannel 1: Mhmm.\n\nChannel 0: waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that\n\nChannel 1: Yep.\n\nChannel 0: weekly\n\nChannel 1: Mhmm.\n\nChannel 0: fortnightly basis. So what we tend to do there is contributions come in. If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price. And then when the\n\nChannel 1: Yeah.\n\nChannel 0: market bounces back, you can kinda get that big double digit return on the way up again.\n\nChannel 1: Yep.\n\nChannel 0: Now probably don't wanna stay high risk when you're, say, 59 and then\n\nChannel 1: Mhmm.\n\nChannel 0: lose half your super to a stock market crash a year before you retire. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see\n\nChannel 1: Mhmm.\n\nChannel 0: that there. There's a hub twenty four performance report.\n\nChannel 1: Oh, yeah. Sorry. The attachment. I have '24 performance report. Yep.\n\nChannel 0: Yep. And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec\n\nChannel 1: Yep.\n\nChannel 0: because they are ETFs as well. And then the\n\nChannel 1: Mhmm.\n\nChannel 0: second page is your total portfolio in one line.\n\nChannel 1: Yep.\n\nChannel 0: K. So overall, 10.33% return after fees. Fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: That's kind of what we're aiming for in high growth is 10% or above\n\nChannel 1: Yeah.\n\nChannel 0: in terms of a benchmark. The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different\n\nChannel 1: Yeah.\n\nChannel 0: percentage returns of each asset that you hold. So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: the rest of them vary between 4% upwards of 80 or 90%.\n\nChannel 1: Yeah.\n\nChannel 0: K. So that's all your different sectors and asset classes. So\n\nChannel 1: Mhmm.\n\nChannel 0: Australian shares, gold, your battery tech and lithium was amazing. That's kind of electric vehicles. That one\n\nChannel 1: Yep.\n\nChannel 0: had probably the biggest surge in the last twelve months, but your Australian\n\nChannel 1: Yeah.\n\nChannel 0: shares are a bit down at the moment as well.\n\nChannel 1: Yeah.\n\nChannel 0: K. So what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance\n\nChannel 1: Mhmm.\n\nChannel 0: your investments, and then just keep your contributions going in to keep buying into those different assets.\n\nChannel 1: Okay.\n\nChannel 0: K? Any questions or concerns so far from what you can see and from what I've told you?\n\nChannel 1: No. It's okay.\n\nChannel 0: K? I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market. So\n\nChannel 1: That's that\n\nChannel 0: it's,\n\nChannel 1: manage phone at the top. Is it?\n\nChannel 0: yes. That been a long fund. It's\n\nChannel 1: Yep.\n\nChannel 0: dropping a little bit quicker than the other options in the same space. And if that\n\nChannel 1: Yep.\n\nChannel 0: doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them\n\nChannel 1: Mhmm.\n\nChannel 0: are all looking pretty good.\n\nChannel 1: Yep.\n\nChannel 0: K? There's a couple there that had, like, a slight negative. I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year. So we call that kind of cyclical. Depends\n\nChannel 1: Yeah.\n\nChannel 0: on what's going on in the world economy a little bit more than\n\nChannel 1: Mhmm.\n\nChannel 0: just following\n\nChannel 1: So,\n\nChannel 0: your country up and down.\n\nChannel 1: sorry. The incoming period, is that, like, is that, like, dividends from those shares or what? I'm\n\nChannel 0: Yes.\n\nChannel 1: just\n\nChannel 0: Correct.\n\nChannel 1: trying to understand\n\nChannel 0: So\n\nChannel 1: the things at the top.\n\nChannel 0: yeah. So in the the middle, there's a few different columns. You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes. But\n\nChannel 1: Yeah.\n\nChannel 0: the two next to it, growth and income, that's your capital growth versus your dividends.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So they kind of combine the two and go, okay. Total\n\nChannel 1: And\n\nChannel 0: earnings\n\nChannel 1: growth\n\nChannel 0: for that\n\nChannel 1: is\n\nChannel 0: investment.\n\nChannel 1: essentially just the is that with the start of the period to the end of the period with the market value?\n\nChannel 0: Yes. So the value of the underlying shares or assets, it's\n\nChannel 1: Yep.\n\nChannel 0: the the capital value of them. So if you bought Microsoft and it went\n\nChannel 1: Mhmm.\n\nChannel 0: up in value, that would be plugged in there as the dollar figure and the percentage. And then if it paid a dividend, that would be split separately and then merged together at the end for the total return.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. And you should see something pretty similar on your CommSec account. I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got,\n\nChannel 1: Right.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: a reinvestment plan and the the fluctuating unit values as well.\n\nChannel 1: Yep.\n\nChannel 0: K? So, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch. All in all, though, I kind of like the spread that you've got in your super funds. You've got property, gold, Aussie shares international. It's I guess the buzzword is diversification, but\n\nChannel 1: Yep.\n\nChannel 0: there's no areas there that I think that you're lacking.\n\nChannel 1: Yep.\n\nChannel 0: K? Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return? Do you have, like, a bit of a gut feeling between the two?\n\nChannel 1: I think at the moment, I've just lent more towards the low fees just because yeah. I feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with.\n\nChannel 0: Yeah. Absolutely. And we can do we've pretty much got a similar approach with the super. All of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard. The managed\n\nChannel 1: Mhmm.\n\nChannel 0: fund at the top is the one that's kind of supposed to be outperforming based on the\n\nChannel 1: Yep.\n\nChannel 0: phase that it's charging. So that's\n\nChannel 1: Yep.\n\nChannel 0: one where I would kind of look at a bit of an index fund replacement, pretty\n\nChannel 1: Mhmm.\n\nChannel 0: similar to the one that you would already have in your CommSec, the a 200.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: K? Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months?\n\nChannel 1: Sorry. Whether to switch it out now or leave it to receive the changes. Sorry.\n\nChannel 0: Yes.\n\nChannel 1: Is that\n\nChannel 0: That's\n\nChannel 1: what you're asking\n\nChannel 0: right.\n\nChannel 1: me? Sorry.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: I've spent I'm in kindergarten teacher.\n\nChannel 0: No.\n\nChannel 1: I it's been a long day. Yeah. Okay. I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest. I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm not super concerned if things are not, you know, doing super well. Like, some of it's not doing super well at the moment. If it's something to wait out or if it's just like yeah. I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch. But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well.\n\nChannel 0: Yep. That's pretty reasonable. And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy\n\nChannel 1: Yeah.\n\nChannel 0: to do that. The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I\n\nChannel 1: Yeah.\n\nChannel 0: don't\n\nChannel 1: Yeah.\n\nChannel 0: usually play with it too much\n\nChannel 1: Yeah.\n\nChannel 0: every\n\nChannel 1: Yeah.\n\nChannel 0: couple of months. But if you had three options that run the performing, we would do a full rebalance.\n\nChannel 1: Yeah.\n\nChannel 0: So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update,\n\nChannel 1: Sure.\n\nChannel 0: and\n\nChannel 1: Sure.\n\nChannel 0: I'll pretty much have the research pre prepared for you as well.\n\nChannel 1: Right.\n\nChannel 0: K? Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put\n\nChannel 1: Yep.\n\nChannel 0: a lot of your surplus into, like, an offset account or anything like that?\n\nChannel 1: Yeah. We've got an offset at the moment. Yeah. Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there. But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending.\n\nI I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages.\n\nChannel 0: Yeah.\n\nChannel 1: And then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well.\n\nChannel 0: So, Mohan, what what bank you with at the moment?\n\nChannel 1: I've got a couple of different ones. So I've got an ING, a UBank, and a com ComBank as well. So I've\n\nChannel 0: Yeah.\n\nChannel 1: been kind\n\nChannel 0: Wow.\n\nChannel 1: of using\n\nChannel 0: Okay.\n\nChannel 1: my UBank for I like with UBank. They've got, like, a little savings target, so I feel like the interest is\n\nChannel 0: Yes.\n\nChannel 1: really good with UBank. So I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple. And, yeah, I I don't know. I guess I like with UBank. I've got kind of my buckets in there, and I know not to touch it.\n\nWhereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that. So I feel like the money isn't necessarily not being spent. I feel like our offset is not as sacred as it should be.\n\nChannel 0: Yeah. It's just too accessible, too easy to transfer\n\nChannel 1: Yeah.\n\nChannel 0: between accounts and swipe a card, isn't it?\n\nChannel 1: Yeah. So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across. But I've found that, like, when we run out of money, then we just transfer more across from the offset. So it's yeah. I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent.\n\nChannel 0: You know what? That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not. And,\n\nChannel 1: Yeah.\n\nChannel 0: really, it's just recognizing the behavioral side of things that if it's there, it's too easy to\n\nChannel 1: Yeah.\n\nChannel 0: touch. So some clients even go back to using a regrow facility because it's harder\n\nChannel 1: Yeah.\n\nChannel 0: to access. But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction? Do you know what I mean?\n\nChannel 1: Yeah. Yeah. I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment. You know, I've got on my list\n\nChannel 0: To be honest,\n\nChannel 1: of\n\nChannel 0: Simone\n\nChannel 1: things to be more financially literate.\n\nChannel 0: yeah. But that takes so much it takes time. It takes practice. It takes revisiting it regularly.\n\nChannel 1: Yeah.\n\nChannel 0: And if you find that putting into a savings account works for you, like, absolutely go for it. It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that\n\nChannel 1: Yeah.\n\nChannel 0: people don't offset as much as they think they would have when they start that journey.\n\nChannel 1: Yeah.\n\nChannel 0: So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well?\n\nChannel 1: Yeah. Sure. So I've got, like, around 12 k in just, like, an emergency fund.\n\nChannel 0: Sensational. And that's with UBank?\n\nChannel 1: That's with UBank. And\n\nChannel 0: Amazing.\n\nChannel 1: then, yeah, the interest rate's pretty good on that. So you kinda get probably about $50 a month of interest on top of that as long as you put enough\n\nChannel 0: Yep.\n\nChannel 1: into the account. And then I start sorry. One sec.\n\nChannel 0: And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay?\n\nChannel 1: Not at the moment. So I that's something that I kinda want to sort out. I was, and then we had our wedding, and everything went to shift. And then yeah. So I'm getting back on track after that.\n\nBut yeah. With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat. But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there. So I do wanna get better at kind\n\nChannel 0: Yep.\n\nChannel 1: of allocating that amount. But, yeah, I've gotta get back on track with that.\n\nChannel 0: Look. That's fantastic. I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days.\n\nChannel 1: Yeah.\n\nChannel 0: There's a lot of people kind of scrimping week to week, so I think that's fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: I'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account. And for the\n\nChannel 1: Yep.\n\nChannel 0: rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well.\n\nChannel 1: Yeah. Sure. I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left\n\nChannel 0: Yeah. Absolutely. Can I just quickly check with you as well? I mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is\n\nChannel 1: over.\n\nChannel 0: that down\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: Name's\n\nChannel 0: line\n\nChannel 1: still\n\nChannel 0: potentially?\n\nChannel 1: the\n\nChannel 0: Perfect.\n\nChannel 1: Maybe.\n\nChannel 0: Alright.\n\nChannel 1: Maybe. But Peachy is a good name. I don't it's hard to\n\nChannel 0: Peachy\n\nChannel 1: hard to let\n\nChannel 0: is\n\nChannel 1: go\n\nChannel 0: a\n\nChannel 1: of.\n\nChannel 0: great name. I'll put that down. So we'll go married status, but Peachy is the surname to stay. And\n\nChannel 1: Yep.\n\nChannel 0: I'm just gonna put that in as maiden name as well so no one assumes.\n\nChannel 1: Mhmm.\n\nChannel 0: And just to double check, is that to Theodore? Oh, sorry, Simone. Are you still there?\n\nChannel 1: Thank you. Oh, are you there?\n\nChannel 0: Oh, I just lost you for a few seconds. Can you hear me okay? Yes. I'm back. Sorry.\n\nAbout seven seconds have cut out there. I do apologize.\n\nChannel 1: Sorry. Okay.\n\nChannel 0: I was just double checking because Theodore was listed as your next of kin and emergency contact,\n\nChannel 1: Yep.\n\nChannel 0: And I'm assuming that is your partner, not like a friend.\n\nChannel 1: Hero?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah. So he's my husband.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Just didn't wanna assume that your next of kin from original wasn't somebody else.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got no changes to your address, email, or phone number.\n\nChannel 1: Mhmm.\n\nChannel 0: You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher. Did you have much\n\nChannel 1: Yep.\n\nChannel 0: of an income change? Because there was a potential drop on the cards from your last review. I'm wondering if that\n\nChannel 1: Yeah. No. I'm still working in higher duties at the moment, but it's like a year to year contract. So I don't\n\nChannel 0: uh-huh.\n\nChannel 1: know\n\nChannel 0: Okay.\n\nChannel 1: what the situation will be next year.\n\nChannel 0: K. Do you know what your annual income is gonna look like for the financial year when you do your tax return?\n\nChannel 1: So it'll be at that higher duty the whole yeah. Yeah. It's been for the last couple of years, so it should be the same.\n\nChannel 0: Perfect. So that $1.40, I can kind of leave it there for the time being.\n\nChannel 1: Yeah. Around that mark.\n\nChannel 0: Perfect. And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning?\n\nChannel 1: We haven't. It's not another thing on the list.\n\nChannel 0: I know that in your state, if it's helpful, besides\n\nChannel 1: Mhmm.\n\nChannel 0: obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse. They do wills and power of attorneys as well. And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well.\n\nChannel 1: Okay.\n\nChannel 0: And there's even\n\nChannel 1: Okay.\n\nChannel 0: will kits from the post office for about $25, which are quite basic, but\n\nChannel 1: Yeah.\n\nChannel 0: they're good if it's just a mortgage and some savings.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to.\n\nChannel 1: Is it down for the area at the moment?\n\nChannel 0: No. It's it's left blank at the moment. I wanted to just quickly check\n\nChannel 1: Yeah. I think\n\nChannel 0: with\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: my\n\nChannel 0: what\n\nChannel 1: bad.\n\nChannel 0: end up.\n\nChannel 1: Advice. I've received the papers a couple of times and not it's so bad. Yeah.\n\nChannel 0: That's\n\nChannel 1: It\n\nChannel 0: a\n\nChannel 1: it\n\nChannel 0: common\n\nChannel 1: will be\n\nChannel 0: occurrence.\n\nChannel 1: there.\n\nChannel 0: It's a guy. Yep.\n\nChannel 1: I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I mean, it it can only be your partner. Right? Or any line\n\nChannel 0: Financial dependent. Yeah.\n\nChannel 1: dependent?\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: partner,\n\nChannel 1: But\n\nChannel 0: child, interdependency relationship are the three main ones.\n\nChannel 1: yeah. No. So just there.\n\nChannel 0: Yeah. If you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can\n\nChannel 1: Yep.\n\nChannel 0: even express post out the forms with a return envelope if that's easier.\n\nChannel 1: To be honest, I think I still got the old one. Does it need to be oh, yeah. No. I've I've signed them in 2024. Just do not post with them back.\n\nChannel 0: Oh, wow.\n\nChannel 1: Yeah.\n\nChannel 0: Did\n\nChannel 1: Maybe\n\nChannel 0: you get them witnessed as well?\n\nChannel 1: no. I haven't got a witness. I don't I think that was I think that was my roadblock, actually.\n\nChannel 0: Yep.\n\nChannel 1: I kept forgetting to take them out with me.\n\nChannel 0: Oh, that can be a bit of a pain. I know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are. But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've\n\nChannel 1: Yeah.\n\nChannel 0: updated them. So\n\nChannel 1: If\n\nChannel 0: I'm\n\nChannel 1: you\n\nChannel 0: like\n\nChannel 1: can email it to me, I can\n\nChannel 0: Yep.\n\nChannel 1: I can do that?\n\nChannel 0: I can get that organized. No worries at all. Now I'm\n\nChannel 1: And\n\nChannel 0: assuming\n\nChannel 1: then\n\nChannel 0: because\n\nChannel 1: I can\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: filled them\n\nChannel 1: email\n\nChannel 0: in before.\n\nChannel 1: it back?\n\nChannel 0: Yes. Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with\n\nChannel 1: Yeah.\n\nChannel 0: the two witnesses on the same date.\n\nChannel 1: Sure.\n\nChannel 0: Alrighty. So I'll put that in for a bit of a return there. Let me just double check as well while I've got you. Is your life insurance through MetLife?\n\nChannel 1: Yes.\n\nChannel 0: We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover. It's your lump sums if you pass away or can never work again. You've just had\n\nChannel 1: Yeah.\n\nChannel 0: an anniversary on the April 2. Did you want Theo listed as the life insurance beneficiary as well? It's for life insurance, it could be pretty much anybody.\n\nChannel 1: Yeah. Yeah. I mean, it's yeah. They're they're cleared with the Medicare.\n\nChannel 0: K. Cool. I I can do that for both. That's no worries at all.\n\nChannel 1: Mhmm.\n\nChannel 0: It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those\n\nChannel 1: Yes.\n\nChannel 0: up perfectly fine. Two quick questions on it. You do have\n\nChannel 1: Mhmm.\n\nChannel 0: the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it.\n\nChannel 1: Yep. Yeah. No. I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married. Positive\n\nChannel 0: Yep.\n\nChannel 1: positive foreshadowing.\n\nChannel 0: Okay. Positive foreshadowing is good. I have had some interesting conversations over the years, but we can do that. And, look, we'll touch on it every review anyway just in case. Cool.\n\nJust quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to\n\nChannel 1: Mhmm.\n\nChannel 0: double check with you as well. So let's say that situation happens. Your car accident can never work again. There's 550,000 comes out plus your 100\n\nChannel 1: Yep.\n\nChannel 0: and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over. Just wanted to double\n\nChannel 1: Mhmm.\n\nChannel 0: check with you that situation. Does that sound okay for you guys? Is that too high? Is that too low?\n\nChannel 1: I think that's Okay. At the moment.\n\nChannel 0: Yep. And just having a look at the price there. Yeah. Look. I'm not too concerned about the life and TPD.\n\nWhen you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well. So it's not really, like, slowing down your growth, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: You do have the last one I wanted to touch on was your income protection. You've\n\nChannel 1: Yep.\n\nChannel 0: got a ninety day waiting period. So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness\n\nChannel 1: Yeah.\n\nChannel 0: or injury lasts that long.\n\nChannel 1: Mhmm.\n\nChannel 0: You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that\n\nChannel 1: Yeah.\n\nChannel 0: event.\n\nChannel 1: I\n\nChannel 0: Is\n\nChannel 1: put\n\nChannel 0: that\n\nChannel 1: a good bank and sick leave as well because, like yeah. We've I work for the Department of Education, so it doesn't really matter if I move schools and things.\n\nChannel 0: Yep.\n\nChannel 1: It's still the same employer.\n\nChannel 0: Perfect. Now your cover amount is $7,555 per month, and you do have indexation on that. So it does increase with inflation.\n\nChannel 1: Mhmm.\n\nChannel 0: Assuming I'm just gonna quickly work back the figures here. So that's protecting an income of 130,000, technically speaking.\n\nChannel 1: Okay.\n\nChannel 0: I think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about. Just double checking that still covers the expenses for you guys.\n\nChannel 1: Mhmm. Yeah. I think that should\n\nChannel 0: Cool. Because technically, you can go\n\nChannel 1: be\n\nChannel 0: for more based on the higher income. But, again, if that\n\nChannel 1: okay.\n\nChannel 0: contract is temporary, I don't wanna kind of increase your insurance\n\nChannel 1: Yep.\n\nChannel 0: and then all of a sudden have to decrease it again, and then you pay more than what you can claim on.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Alrighty. Simone, we have gone through quite a few different areas tonight. Do you have any questions for me so far?\n\nChannel 1: Mhmm. Not at all good.\n\nChannel 0: Okay. So the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and\n\nChannel 1: Mhmm.\n\nChannel 0: then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares. We'll kind\n\nChannel 1: Yep.\n\nChannel 0: of leave the insurance alone for the time being,\n\nChannel 1: Yep.\n\nChannel 0: and then just update your estate planning, get your beneficiaries up to date as well.\n\nChannel 1: Right.\n\nChannel 0: Cool. When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go. And then at\n\nChannel 1: Mhmm.\n\nChannel 0: the next review, we'll kind of touch base on it. And if we need to start using a platform, we can go through, like, that personal risk profile with you and build you\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a portfolio there as well.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Okay.\n\nChannel 1: Sorry. Sorry. I was right at the beginning of the call. Did you say it was about 5 k at like, last time we did our review for these shares?\n\nChannel 0: Oh, sorry. Could you repeat that for me?\n\nChannel 1: When we were discussing the shares before, from what I had\n\nChannel 0: Yep.\n\nChannel 1: last year, was it around 5\n\nChannel 0: Yes. That's right. I think the last figure I had\n\nChannel 1: k?\n\nChannel 0: when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment?\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay. Good. Great.\n\nChannel 0: So look. All in all, mortgage is going down. You've still got some savings, and you're building up some investments. And you know how we were talking about the offset account idea before?\n\nChannel 1: Mhmm.\n\nChannel 0: If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of\n\nChannel 1: Okay.\n\nChannel 0: building up that wealth and equity much quicker in the background that\n\nChannel 1: Yeah.\n\nChannel 0: at some point, you could possibly even just pay off the mortgage with it as well. You don't\n\nChannel 1: Yeah.\n\nChannel 0: have to go down that that other route of offset accounts. Investing does the same thing too.\n\nChannel 1: Yep. And then I guess sorry. I said I had no questions. The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on?\n\nChannel 0: So if I have a look, I'm gonna do a quick progress update with you.\n\nChannel 1: Mhmm.\n\nChannel 0: So we've got okay. So you've got a pretty good balance for your age. It's pretty well straight in that kind of above average mark. You're in\n\nChannel 1: Mhmm.\n\nChannel 0: high growth. You're getting good contributions on a high income.\n\nChannel 1: Yep.\n\nChannel 0: You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark.\n\nChannel 1: Mhmm.\n\nChannel 0: Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax\n\nChannel 1: Yep.\n\nChannel 0: free as well. So I think you can pretty much get to most common retirement goals as is without\n\nChannel 1: Mhmm.\n\nChannel 0: having to do the salary sacrifice.\n\nChannel 1: Yes.\n\nChannel 0: The question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example,\n\nChannel 1: Yeah.\n\nChannel 0: put a 100 in. Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super.\n\nChannel 1: Mhmm.\n\nChannel 0: That's obviously gonna speed things up a little bit. And then the flip side to that is the family building. So do\n\nChannel 1: Yeah.\n\nChannel 0: you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your\n\nChannel 1: Yeah.\n\nChannel 0: your family planning\n\nChannel 1: Hopefully.\n\nChannel 0: look\n\nChannel 1: Yeah. Ideally, we're hoping\n\nChannel 0: like?\n\nChannel 1: that within the next twelve months, probably on maternity leave.\n\nChannel 0: Yep. And would you probably take off the the full twelve months, do you think?\n\nChannel 1: Yeah. But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after.\n\nChannel 0: Yeah. Gotcha. Gotcha. So between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if\n\nChannel 1: Mhmm.\n\nChannel 0: you're about to kind of slow down, stop work, and then go part time for a period. It'll probably\n\nChannel 1: Yeah.\n\nChannel 0: be something to do after that.\n\nChannel 1: Okay. Cool.\n\nChannel 0: I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely\n\nChannel 1: Mhmm.\n\nChannel 0: not gonna recommend it for this year.\n\nChannel 1: Yeah.\n\nChannel 0: So let's say you've got your contributions coming in from work, call it about $1,314,000 after tax.\n\nChannel 1: Mhmm.\n\nChannel 0: Your current balance is 146,000. And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for?\n\nChannel 1: Yeah.\n\nChannel 0: So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where\n\nChannel 1: Yeah.\n\nChannel 0: even in twenty years' time, you could be sitting there with 1 and a half million. Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once\n\nChannel 1: Yeah.\n\nChannel 0: you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you\n\nChannel 1: Mhmm.\n\nChannel 0: probably won't have to do it until that point, and then you\n\nChannel 1: Yeah.\n\nChannel 0: probably don't have to do it for more than a couple of years.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? So there's no there's no rush. I don't see you heavily behind that you need to play catch up or anything.\n\nChannel 1: Yeah.\n\nChannel 0: And, obviously, people talk about tax benefits and and that kind\n\nChannel 1: Mhmm.\n\nChannel 0: of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super. You know,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: what's the priority?\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Yep. Cool. I'll put a few notes on the file. Obviously, we'll come back to that over the next few years as well, but\n\nChannel 1: Yeah.\n\nChannel 0: I hope that kinda\n\nChannel 1: I\n\nChannel 0: helps\n\nChannel 1: guess\n\nChannel 0: a little\n\nChannel 1: my\n\nChannel 0: bit.\n\nChannel 1: my mindset is kind of, like I think I'm very much, like, live to my me. So it's like,\n\nChannel 0: The full\n\nChannel 1: if I\n\nChannel 0: savings\n\nChannel 1: can\n\nChannel 0: aspect.\n\nChannel 1: it's if I can afford to do it, I\n\nChannel 0: Yeah.\n\nChannel 1: would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything. So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: like\n\nChannel 0: get you.\n\nChannel 1: yeah. But that's something I can work on with my budgeting too.\n\nChannel 0: Yeah. There's\n\nChannel 1: But that's\n\nChannel 0: that too. And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the\n\nChannel 1: yeah.\n\nChannel 0: different states\n\nChannel 1: We had a we\n\nChannel 0: pretty\n\nChannel 1: had\n\nChannel 0: regularly?\n\nChannel 1: a pay rise probably a couple of years ago. So I think we've had our we had quite a significant pay ride, so I think we'll be\n\nChannel 0: And\n\nChannel 1: pretty steady for a while.\n\nChannel 0: did they change the superannuation contribution scheme at that point as well? Because I know a lot of people were doing the matching program. You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway. Do you know\n\nChannel 1: I'm\n\nChannel 0: if\n\nChannel 1: not\n\nChannel 0: they did\n\nChannel 1: sure,\n\nChannel 0: that with\n\nChannel 1: to\n\nChannel 0: yours?\n\nChannel 1: be honest. Even, like, I've I because I wasn't even sure how much was being contributed to Super. I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were\n\nChannel 0: When\n\nChannel 1: contributing.\n\nChannel 0: I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time. And\n\nChannel 1: Yeah.\n\nChannel 0: it worked out to be about a 145,000 for your your yearly income, which is\n\nChannel 1: Yeah.\n\nChannel 0: pretty close to what you were telling me before.\n\nChannel 1: Yeah.\n\nChannel 0: So if I go a 140,000, and let's say it is 12.5%, Yeah. It pretty well works out to be the same amount. So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly\n\nChannel 1: Yep.\n\nChannel 0: touch base with your payroll to see if there's any matching programs or anything like that\n\nChannel 1: Mhmm.\n\nChannel 0: or what your percentage is. If they come back and say that you can do the matching program, I can\n\nChannel 1: Mhmm.\n\nChannel 0: help you figure out the the best way to do that because they\n\nChannel 1: Yep.\n\nChannel 0: the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice. So\n\nChannel 1: Yep.\n\nChannel 0: if they say that's available, can you let us know straight away? If not, I wouldn't worry about it until after maternity\n\nChannel 1: Sure.\n\nChannel 0: leave.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Cool. I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. Alright. Any other things I can help with before I let you go?\n\nChannel 1: No. That's\n\nChannel 0: I\n\nChannel 1: it. Thank you. Oh, actually, sorry.\n\nChannel 0: made\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: do have a question.\n\nChannel 0: Yep. Go for it.\n\nChannel 1: If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients?\n\nChannel 0: So that is a fantastic question that has three slightly small answers to it.\n\nChannel 1: Mhmm.\n\nChannel 0: Is we do individual advice to start with. So because you already have an ongoing plan, we\n\nChannel 1: Mhmm.\n\nChannel 0: would\n\nChannel 1: Yep.\n\nChannel 0: do the same starting foundation plan for your partner.\n\nChannel 1: Mhmm.\n\nChannel 0: After that point, we can do joint reviews with you guys and joint advice together because we need to factor\n\nChannel 1: Mhmm.\n\nChannel 0: in, you know, joint retirement goals and things like that, but we just wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure he has that foundational piece to start with.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: From that point, a couple of things to consider is there is, like, a partner fee discount as well. So I was\n\nChannel 1: Mhmm.\n\nChannel 0: just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year. The partner\n\nChannel 1: Yeah.\n\nChannel 0: fee discount is 1.1, so it chops about a third off\n\nChannel 1: That's awesome.\n\nChannel 0: per person. Correct. K? From that point, Hub twenty four also offers family linking. So if we do recommend a similar super fund to your partner, you can actually\n\nChannel 1: Yes.\n\nChannel 0: link your accounts together for cheaper admin fees. And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts. So there's a lot of a lot of linking for discounts that can be done as well.\n\nChannel 1: Okay. Sure. Great.\n\nChannel 0: K?\n\nChannel 1: Thank you.\n\nChannel 0: I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year. If\n\nChannel 1: Mhmm.\n\nChannel 0: we do bring your partner on board, we will send you an amended agreement after he signs up as well.\n\nChannel 1: Sure.\n\nChannel 0: K?\n\nChannel 1: Yeah. No.\n\nChannel 0: Do\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: want\n\nChannel 1: we\n\nChannel 0: me\n\nChannel 1: haven't\n\nChannel 0: to take\n\nChannel 1: really\n\nChannel 0: down\n\nChannel 1: discussed\n\nChannel 0: any\n\nChannel 1: it, but I just thought potentially would be good.\n\nChannel 0: yeah. And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just\n\nChannel 1: Yeah.\n\nChannel 0: call into reception, talk to the girls. I'll get him booked in with myself or one of the other advisers, and we'll just\n\nChannel 1: Yeah.\n\nChannel 0: go through the usual complimentary consultation, bit of research,\n\nChannel 1: Yeah.\n\nChannel 0: and see if we can help him.\n\nChannel 1: Sure.\n\nChannel 0: Cool. Alrighty. Any other questions at the moment before I let you go?\n\nChannel 1: That's that's it. Thank you so much for your time.\n\nChannel 0: Amazing. No. Thank you for taking the time. I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment. But thank you for spending the time with me tonight.\n\nChannel 1: Thank you. Have a nice night.\n\nChannel 0: You too. I'll talk to you soon.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.04131811484694481}],"sentiment":"neutral","sentiment_score":0.04131811484694481,"channel":1,"num_words":1,"start":2.24,"end":2.74},{"sentences":[{"text":"Hi, Simone.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.15870704501867294},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.08,"end":6.64,"sentiment":"neutral","sentiment_score":0.16287540644407272},{"text":"How are you going this evening?","start":6.64,"end":7.94,"sentiment":"neutral","sentiment_score":0.24964195738236108}],"sentiment":"neutral","sentiment_score":0.1948918178677559,"channel":0,"num_words":16,"start":3.4399998,"end":7.94},{"sentences":[{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.5581541061401367},{"text":"Thanks.","start":8.32,"end":8.559999,"sentiment":"positive","sentiment_score":0.6040307283401489},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.35436175266901654}],"sentiment":"positive","sentiment_score":0.44505401849746706,"channel":1,"num_words":5,"start":7.9199996,"end":9.38},{"sentences":[{"text":"I'm doing fantastic.","start":9.5199995,"end":10.5,"sentiment":"positive","sentiment_score":0.7650926311810812},{"text":"I'm just giving you a call to go through your annual review if you still have time.","start":10.719999,"end":13.965,"sentiment":"positive","sentiment_score":0.38956308540175943}],"sentiment":"positive","sentiment_score":0.4458925172686577,"channel":0,"num_words":20,"start":9.5199995,"end":13.965},{"sentences":[{"text":"Yeah.","start":14.345,"end":14.665,"sentiment":"neutral","sentiment_score":0.2197070419788361},{"text":"Sure.","start":14.665,"end":15.165,"sentiment":"positive","sentiment_score":0.3595912456512451}],"sentiment":"neutral","sentiment_score":0.2896491438150406,"channel":1,"num_words":2,"start":14.345,"end":15.165},{"sentences":[{"text":"Fantastic.","start":15.485001,"end":15.985001,"sentiment":"positive","sentiment_score":0.5918179154396057},{"text":"So I've got a bit of an email pack I'm gonna send through to you today.","start":16.045,"end":19.345001,"sentiment":"neutral","sentiment_score":0.3052190886810422},{"text":"Are you okay if I just go through a quick security check with you?","start":19.485,"end":22.465,"sentiment":"neutral","sentiment_score":0.15839835203119687}],"sentiment":"neutral","sentiment_score":0.2481580729926786,"channel":0,"num_words":31,"start":15.485001,"end":22.465},{"sentences":[{"text":"Yeah.","start":22.185,"end":22.505001,"sentiment":"neutral","sentiment_score":0.09530697762966156},{"text":"Of course.","start":22.505001,"end":23.165,"sentiment":"neutral","sentiment_score":0.1977553442120552}],"sentiment":"neutral","sentiment_score":0.16360588868459067,"channel":1,"num_words":3,"start":22.185,"end":23.165},{"sentences":[{"text":"Amazing.","start":23.485,"end":23.985,"sentiment":"positive","sentiment_score":0.43849384784698486},{"text":"The calls are recorded for training and quality purposes.","start":24.365,"end":27.105,"sentiment":"neutral","sentiment_score":0.18821486830711365},{"text":"You don't have a security question on file.","start":27.404999,"end":29.825,"sentiment":"neutral","sentiment_score":0.08858559839427471},{"text":"Could I please confirm your date of birth and address?","start":30.02,"end":32.760002,"sentiment":"neutral","sentiment_score":0.06546167954802513}],"sentiment":"neutral","sentiment_score":0.1248474730444806,"channel":0,"num_words":28,"start":23.485,"end":32.760002},{"sentences":[{"text":"Yep.","start":33.32,"end":33.64,"sentiment":"neutral","sentiment_score":0.021682776510715485},{"text":"11/03/1991.","start":33.64,"end":35.58,"sentiment":"neutral","sentiment_score":0.025368282571434975}],"sentiment":"neutral","sentiment_score":0.02352552954107523,"channel":1,"num_words":2,"start":33.32,"end":35.58},{"sentences":[{"text":"Perfect.","start":37.06,"end":37.56,"sentiment":"positive","sentiment_score":0.40730151534080505},{"text":"And","start":39.3,"end":39.8,"sentiment":"neutral","sentiment_score":0.3022751808166504}],"sentiment":"positive","sentiment_score":0.3547883480787277,"channel":0,"num_words":2,"start":37.06,"end":39.8},{"sentences":[{"text":"And 361 Corby","start":39.8,"end":41.260002,"sentiment":"neutral","sentiment_score":0.30471401413281757}],"sentiment":"neutral","sentiment_score":0.30471401413281757,"channel":1,"num_words":3,"start":39.8,"end":41.260002},{"sentences":[{"text":"you're amazing.","start":41.62,"end":42.440002,"sentiment":"positive","sentiment_score":0.47168080508708954},{"text":"And I'm registered","start":42.58,"end":43.38,"sentiment":"neutral","sentiment_score":0.17762509485085806}],"sentiment":"neutral","sentiment_score":0.29524737894535064,"channel":0,"num_words":5,"start":41.62,"end":43.38},{"sentences":[{"text":"Avenue.","start":43.245,"end":43.745,"sentiment":"neutral","sentiment_score":0.1621527373790741}],"sentiment":"neutral","sentiment_score":0.1621527373790741,"channel":1,"num_words":1,"start":43.245,"end":43.745},{"sentences":[{"text":"with Asica's adviser 1273105.","start":43.38,"end":46.075,"sentiment":"neutral","sentiment_score":0.17840107530355453},{"text":"But thank you very much for doing that, Simone.","start":46.075,"end":48.015,"sentiment":"positive","sentiment_score":0.5610149535867903}],"sentiment":"positive","sentiment_score":0.44328760642271775,"channel":0,"num_words":13,"start":43.38,"end":48.015},{"sentences":[{"text":"Mhmm.","start":48.365,"end":48.865,"sentiment":"neutral","sentiment_score":0.056888096034526825}],"sentiment":"neutral","sentiment_score":0.056888096034526825,"channel":1,"num_words":1,"start":48.365,"end":48.865},{"sentences":[{"text":"Now I've got this pack coming out to your Gmail address.","start":49.195,"end":52.475002,"sentiment":"neutral","sentiment_score":0.04920512031425129},{"text":"Will","start":52.475002,"end":52.715,"sentiment":"neutral","sentiment_score":0.04641418904066086}],"sentiment":"neutral","sentiment_score":0.04897254270811876,"channel":0,"num_words":12,"start":49.195,"end":52.715},{"sentences":[{"text":"Yeah.","start":52.480003,"end":52.980003,"sentiment":"neutral","sentiment_score":0.07247599959373474}],"sentiment":"neutral","sentiment_score":0.07247599959373474,"channel":1,"num_words":1,"start":52.480003,"end":52.980003},{"sentences":[{"text":"you be able to look onto it with me today, or should I just walk you through the documents?","start":52.715,"end":56.175003,"sentiment":"neutral","sentiment_score":0.07327731639931076}],"sentiment":"neutral","sentiment_score":0.07327731639931076,"channel":0,"num_words":19,"start":52.715,"end":56.175003},{"sentences":[{"text":"I can open","start":56.595,"end":57.3,"sentiment":"neutral","sentiment_score":0.1125212013721466}],"sentiment":"neutral","sentiment_score":0.1125212013721466,"channel":1,"num_words":3,"start":56.595,"end":57.3},{"sentences":[{"text":"Amazing.","start":58.33,"end":58.73,"sentiment":"positive","sentiment_score":0.33548426628112793},{"text":"So that'll come through in a moment.","start":58.73,"end":60.73,"sentiment":"neutral","sentiment_score":0.257488237959998},{"text":"It's gonna come from our new Odoo system, which is kind of custom built for us.","start":60.73,"end":65.39,"sentiment":"neutral","sentiment_score":0.2572097722440958},{"text":"It may go through to your spam box or your main inbox as well just","start":65.45,"end":69.45,"sentiment":"neutral","sentiment_score":0.13141683091719944}],"sentiment":"neutral","sentiment_score":0.21088489106832406,"channel":0,"num_words":39,"start":58.33,"end":69.45},{"sentences":[{"text":"hear","start":69.3,"end":69.735,"sentiment":"neutral","sentiment_score":0.21727290749549863}],"sentiment":"neutral","sentiment_score":0.21727290749549863,"channel":1,"num_words":1,"start":69.3,"end":69.735},{"sentences":[{"text":"for that first time.","start":69.45,"end":70.75,"sentiment":"neutral","sentiment_score":0.22962704300880432},{"text":"Alright.","start":74.175,"end":74.655,"sentiment":"neutral","sentiment_score":0.10179281234741212},{"text":"Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review?","start":74.655,"end":79.635,"sentiment":"neutral","sentiment_score":0.0701038350040714}],"sentiment":"neutral","sentiment_score":0.09319975946483941,"channel":0,"num_words":29,"start":69.45,"end":79.635},{"sentences":[{"text":"Sure.","start":80.135,"end":80.635,"sentiment":"neutral","sentiment_score":0.024031000211834908},{"text":"No.","start":81.815,"end":82.215,"sentiment":"neutral","sentiment_score":-0.07097496837377548},{"text":"Not in particular.","start":82.215,"end":83.275,"sentiment":"neutral","sentiment_score":-0.09268799175818761},{"text":"I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past.","start":83.415,"end":94.66,"sentiment":"neutral","sentiment_score":-0.024715409172992957},{"text":"So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm","start":94.66,"end":105.744995,"sentiment":"neutral","sentiment_score":0.03001385925260062}],"sentiment":"neutral","sentiment_score":-0.004983256362085167,"channel":1,"num_words":73,"start":80.135,"end":105.744995},{"sentences":[{"text":"Yep.","start":105.725,"end":106.045,"sentiment":"neutral","sentiment_score":0.07560160011053085}],"sentiment":"neutral","sentiment_score":0.07560160011053085,"channel":0,"num_words":1,"start":105.725,"end":106.045},{"sentences":[{"text":"interested","start":105.744995,"end":106.225,"sentiment":"neutral","sentiment_score":0.07049675285816193}],"sentiment":"neutral","sentiment_score":0.07049675285816193,"channel":1,"num_words":1,"start":105.744995,"end":106.225},{"sentences":[{"text":"Perfect.","start":106.045,"end":106.545,"sentiment":"neutral","sentiment_score":0.32952880859375}],"sentiment":"neutral","sentiment_score":0.32952880859375,"channel":0,"num_words":1,"start":106.045,"end":106.545},{"sentences":[{"text":"in getting a bit more information about.","start":106.225,"end":108.005,"sentiment":"neutral","sentiment_score":0.15900584310293198}],"sentiment":"neutral","sentiment_score":0.15900584310293198,"channel":1,"num_words":7,"start":106.225,"end":108.005},{"sentences":[{"text":"Yep.","start":108.21,"end":108.45,"sentiment":"neutral","sentiment_score":0.20478692650794983},{"text":"I can definitely help you with the personal investment side of things as well.","start":108.45,"end":112.05,"sentiment":"positive","sentiment_score":0.3521597965487412},{"text":"And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we","start":112.05,"end":119.89,"sentiment":"neutral","sentiment_score":0.16642293899223723}],"sentiment":"neutral","sentiment_score":0.22639293884011832,"channel":0,"num_words":44,"start":108.21,"end":119.89},{"sentences":[{"text":"Mhmm.","start":119.81,"end":120.31,"sentiment":"neutral","sentiment_score":0.05055994167923927}],"sentiment":"neutral","sentiment_score":0.05055994167923927,"channel":1,"num_words":1,"start":119.81,"end":120.31},{"sentences":[{"text":"carried across from last year, if that's okay.","start":119.89,"end":122.15,"sentiment":"neutral","sentiment_score":0.05696492805145681},{"text":"Cool.","start":122.175,"end":122.675,"sentiment":"positive","sentiment_score":0.5527805685997009}],"sentiment":"neutral","sentiment_score":0.11205555477903949,"channel":0,"num_words":9,"start":119.89,"end":122.675},{"sentences":[{"text":"Yep.","start":122.53,"end":122.805,"sentiment":"positive","sentiment_score":0.3860809803009033}],"sentiment":"positive","sentiment_score":0.3860809803009033,"channel":1,"num_words":1,"start":122.53,"end":122.805},{"sentences":[{"text":"So I'm just gonna quickly go through the previous goals from your conversation with Dana there.","start":123.775,"end":128.91501,"sentiment":"neutral","sentiment_score":0.3221223372966051},{"text":"It was pretty straightforward from what I can see.","start":129.215,"end":131.695,"sentiment":"positive","sentiment_score":0.3872060577074687},{"text":"You're really just focusing on paying down the mortgage a bit of an earlier","start":131.695,"end":135.59,"sentiment":"neutral","sentiment_score":0.19639745035341807}],"sentiment":"neutral","sentiment_score":0.2920096466938655,"channel":0,"num_words":39,"start":123.775,"end":135.59},{"sentences":[{"text":"Mhmm.","start":135.3,"end":135.8,"sentiment":"neutral","sentiment_score":0.10655803978443146}],"sentiment":"neutral","sentiment_score":0.10655803978443146,"channel":1,"num_words":1,"start":135.3,"end":135.8},{"sentences":[{"text":"retirement and maintaining a bit of protection there.","start":135.81,"end":138.69,"sentiment":"neutral","sentiment_score":0.1662210375070572},{"text":"Does that sound about right?","start":138.69,"end":139.99,"sentiment":"neutral","sentiment_score":0.1465287387371063},{"text":"K.","start":141.17,"end":141.65,"sentiment":"neutral","sentiment_score":0.06353358924388885},{"text":"Now I've got your retirement age set for 60.","start":141.65,"end":144.39,"sentiment":"neutral","sentiment_score":0.07256572900546922},{"text":"That's","start":144.53,"end":144.77,"sentiment":"neutral","sentiment_score":0.07456757128238678}],"sentiment":"neutral","sentiment_score":0.11890019647156198,"channel":0,"num_words":24,"start":135.81,"end":144.77},{"sentences":[{"text":"Mhmm.","start":144.57,"end":144.82,"sentiment":"neutral","sentiment_score":0.06031811982393265}],"sentiment":"neutral","sentiment_score":0.06031811982393265,"channel":1,"num_words":1,"start":144.57,"end":144.82},{"sentences":[{"text":"your","start":144.77,"end":145.09,"sentiment":"neutral","sentiment_score":0.058397065848112106}],"sentiment":"neutral","sentiment_score":0.058397065848112106,"channel":0,"num_words":1,"start":144.77,"end":145.09},{"sentences":[{"text":"Mhmm.","start":144.82,"end":145.32,"sentiment":"neutral","sentiment_score":0.0404435321688652}],"sentiment":"neutral","sentiment_score":0.0404435321688652,"channel":1,"num_words":1,"start":144.82,"end":145.32},{"sentences":[{"text":"preservation age when you can access super.","start":145.09,"end":147.375,"sentiment":"neutral","sentiment_score":0.056628844035523276},{"text":"So, obviously,","start":147.615,"end":148.335,"sentiment":"neutral","sentiment_score":0.08888470381498337}],"sentiment":"neutral","sentiment_score":0.0637968128754033,"channel":0,"num_words":9,"start":145.09,"end":148.335},{"sentences":[{"text":"Yep.","start":148.02,"end":148.335,"sentiment":"neutral","sentiment_score":0.098102867603302}],"sentiment":"neutral","sentiment_score":0.098102867603302,"channel":1,"num_words":1,"start":148.02,"end":148.335},{"sentences":[{"text":"trying to grow things quite quickly to make sure there's enough there by 60.","start":148.335,"end":151.615,"sentiment":"neutral","sentiment_score":0.09226703989718642},{"text":"Does that sound right?","start":151.615,"end":152.675,"sentiment":"neutral","sentiment_score":0.11247377656400205}],"sentiment":"neutral","sentiment_score":0.09675742582314545,"channel":0,"num_words":18,"start":148.335,"end":152.675},{"sentences":[{"text":"Yeah.","start":152.975,"end":153.21501,"sentiment":"neutral","sentiment_score":0.14367049932479858},{"text":"Ideally, if possible.","start":153.21501,"end":154.43501,"sentiment":"neutral","sentiment_score":0.2531123658021291}],"sentiment":"neutral","sentiment_score":0.22575189918279648,"channel":1,"num_words":4,"start":152.975,"end":154.43501},{"sentences":[{"text":"Absolutely.","start":155.295,"end":155.795,"sentiment":"neutral","sentiment_score":0.24711169302463531},{"text":"And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing?","start":156.175,"end":163.075,"sentiment":"neutral","sentiment_score":0.07100968156009912}],"sentiment":"neutral","sentiment_score":0.07866629075420939,"channel":0,"num_words":23,"start":155.295,"end":163.075},{"sentences":[{"text":"I guess we're we're trying to trying to think about trying to start a family at the moment.","start":166.48,"end":171.59999,"sentiment":"neutral","sentiment_score":-0.006863165439830886},{"text":"So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan.","start":171.59999,"end":178.035,"sentiment":"neutral","sentiment_score":-0.009840436279773712}],"sentiment":"neutral","sentiment_score":-0.00867541725544826,"channel":1,"num_words":46,"start":166.48,"end":178.035},{"sentences":[{"text":"Yep.","start":178.25499,"end":178.735,"sentiment":"neutral","sentiment_score":0.11940621584653854},{"text":"Okay.","start":178.735,"end":179.235,"sentiment":"neutral","sentiment_score":0.29260939359664917},{"text":"Fantastic.","start":179.295,"end":179.795,"sentiment":"positive","sentiment_score":0.4737510681152344},{"text":"And I'm just having a quick look at assets and liabilities there.","start":180.33499,"end":184.575,"sentiment":"neutral","sentiment_score":0.22159908277293047},{"text":"You've still mainly just got the the main residence with the mortgage","start":184.575,"end":188.595,"sentiment":"neutral","sentiment_score":0.11900411918759346}],"sentiment":"neutral","sentiment_score":0.18418537411424848,"channel":0,"num_words":27,"start":178.25499,"end":188.595},{"sentences":[{"text":"Mhmm.","start":189.295,"end":189.795,"sentiment":"neutral","sentiment_score":0.08043918013572693}],"sentiment":"neutral","sentiment_score":0.08043918013572693,"channel":1,"num_words":1,"start":189.295,"end":189.795},{"sentences":[{"text":"car and a little bit of the CommSec account.","start":189.45999,"end":191.7,"sentiment":"neutral","sentiment_score":0.12278128580914603},{"text":"Is that kind of your main assets?","start":191.7,"end":193.23999,"sentiment":"neutral","sentiment_score":0.09483712166547775},{"text":"K.","start":194.66,"end":195.06,"sentiment":"neutral","sentiment_score":0.023171674460172653},{"text":"If you don't mind me asking, with the mortgage, we had it listed at 450","start":195.06,"end":199.14,"sentiment":"neutral","sentiment_score":0.0160410781390965}],"sentiment":"neutral","sentiment_score":0.06352122720272746,"channel":0,"num_words":32,"start":189.45999,"end":199.14},{"sentences":[{"text":"Yep.","start":199.02,"end":199.52,"sentiment":"neutral","sentiment_score":0.018259238451719284}],"sentiment":"neutral","sentiment_score":0.018259238451719284,"channel":1,"num_words":1,"start":199.02,"end":199.52},{"sentences":[{"text":"thousand.","start":199.14,"end":199.54,"sentiment":"neutral","sentiment_score":0.017204783856868744},{"text":"Have you paid off a big chunk since then?","start":199.54,"end":201.86,"sentiment":"neutral","sentiment_score":-0.03942486457526684},{"text":"I know the interest","start":201.86,"end":202.58,"sentiment":"neutral","sentiment_score":-0.023681958205997944}],"sentiment":"neutral","sentiment_score":-0.030881916438894614,"channel":0,"num_words":14,"start":199.14,"end":202.58},{"sentences":[{"text":"I","start":202.54,"end":202.7,"sentiment":"neutral","sentiment_score":-0.03601142764091492}],"sentiment":"neutral","sentiment_score":-0.03601142764091492,"channel":1,"num_words":1,"start":202.54,"end":202.7},{"sentences":[{"text":"rates","start":202.58,"end":202.81999,"sentiment":"neutral","sentiment_score":-0.008663855493068695}],"sentiment":"neutral","sentiment_score":-0.008663855493068695,"channel":0,"num_words":1,"start":202.58,"end":202.81999},{"sentences":[{"text":"think","start":202.7,"end":202.94,"sentiment":"neutral","sentiment_score":-0.030900485813617703}],"sentiment":"neutral","sentiment_score":-0.030900485813617703,"channel":1,"num_words":1,"start":202.7,"end":202.94},{"sentences":[{"text":"have","start":202.81999,"end":202.98,"sentiment":"neutral","sentiment_score":0.011455588042736052}],"sentiment":"neutral","sentiment_score":0.011455588042736052,"channel":0,"num_words":1,"start":202.81999,"end":202.98},{"sentences":[{"text":"we're","start":202.94,"end":203.18,"sentiment":"neutral","sentiment_score":-0.0002882604894693941}],"sentiment":"neutral","sentiment_score":-0.0002882604894693941,"channel":1,"num_words":1,"start":202.94,"end":203.18},{"sentences":[{"text":"jumped","start":202.98,"end":203.22,"sentiment":"neutral","sentiment_score":0.02754848077893257}],"sentiment":"neutral","sentiment_score":0.02754848077893257,"channel":0,"num_words":1,"start":202.98,"end":203.22},{"sentences":[{"text":"at","start":203.18,"end":203.5,"sentiment":"neutral","sentiment_score":0.06397026777267456}],"sentiment":"neutral","sentiment_score":0.06397026777267456,"channel":1,"num_words":1,"start":203.18,"end":203.5},{"sentences":[{"text":"up.","start":203.22,"end":203.565,"sentiment":"neutral","sentiment_score":0.019034244120121}],"sentiment":"neutral","sentiment_score":0.019034244120121,"channel":0,"num_words":1,"start":203.22,"end":203.565},{"sentences":[{"text":"about $4.20 now,","start":203.5,"end":205.08499,"sentiment":"neutral","sentiment_score":0.014279480402668318}],"sentiment":"neutral","sentiment_score":0.014279480402668318,"channel":1,"num_words":3,"start":203.5,"end":205.08499},{"sentences":[{"text":"4","start":205.485,"end":205.88501,"sentiment":"neutral","sentiment_score":0.0225667841732502}],"sentiment":"neutral","sentiment_score":0.0225667841732502,"channel":0,"num_words":1,"start":205.485,"end":205.88501},{"sentences":[{"text":"roughly.","start":205.86499,"end":206.36499,"sentiment":"neutral","sentiment_score":0.001651648432016373}],"sentiment":"neutral","sentiment_score":0.001651648432016373,"channel":1,"num_words":1,"start":205.86499,"end":206.36499},{"sentences":[{"text":"20.","start":205.88501,"end":206.38501,"sentiment":"neutral","sentiment_score":0.011933851055800916},{"text":"And last value was 750,000.","start":207.485,"end":210.125,"sentiment":"neutral","sentiment_score":0.012810254842042923},{"text":"I know the market's kind of jumped up quite a bit the last year or so.","start":210.125,"end":213.745,"sentiment":"neutral","sentiment_score":0.01630851160734892}],"sentiment":"neutral","sentiment_score":0.015314605044709011,"channel":0,"num_words":22,"start":205.88501,"end":213.745},{"sentences":[{"text":"Mhmm.","start":213.94499,"end":214.44499,"sentiment":"neutral","sentiment_score":0.028269749134778976}],"sentiment":"neutral","sentiment_score":0.028269749134778976,"channel":1,"num_words":1,"start":213.94499,"end":214.44499},{"sentences":[{"text":"Would","start":215.005,"end":215.245,"sentiment":"neutral","sentiment_score":0.0033846423029899597}],"sentiment":"neutral","sentiment_score":0.0033846423029899597,"channel":0,"num_words":1,"start":215.005,"end":215.245},{"sentences":[{"text":"We","start":215.22499,"end":215.385,"sentiment":"neutral","sentiment_score":0.007490035146474838}],"sentiment":"neutral","sentiment_score":0.007490035146474838,"channel":1,"num_words":1,"start":215.22499,"end":215.385},{"sentences":[{"text":"you","start":215.245,"end":215.565,"sentiment":"neutral","sentiment_score":0.013537954539060593}],"sentiment":"neutral","sentiment_score":0.013537954539060593,"channel":0,"num_words":1,"start":215.245,"end":215.565},{"sentences":[{"text":"haven't","start":215.385,"end":215.625,"sentiment":"neutral","sentiment_score":-0.003625551238656044}],"sentiment":"neutral","sentiment_score":-0.003625551238656044,"channel":1,"num_words":1,"start":215.385,"end":215.625},{"sentences":[{"text":"say","start":215.565,"end":215.80501,"sentiment":"neutral","sentiment_score":-0.004012715071439743}],"sentiment":"neutral","sentiment_score":-0.004012715071439743,"channel":0,"num_words":1,"start":215.565,"end":215.80501},{"sentences":[{"text":"had","start":215.625,"end":215.86499,"sentiment":"neutral","sentiment_score":-0.014305774122476578}],"sentiment":"neutral","sentiment_score":-0.014305774122476578,"channel":1,"num_words":1,"start":215.625,"end":215.86499},{"sentences":[{"text":"that?","start":215.80501,"end":216.18,"sentiment":"neutral","sentiment_score":-0.00013829022645950315}],"sentiment":"neutral","sentiment_score":-0.00013829022645950315,"channel":0,"num_words":1,"start":215.80501,"end":216.18},{"sentences":[{"text":"it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7.50 now.","start":215.86499,"end":227.3,"sentiment":"neutral","sentiment_score":0.07193311416943159}],"sentiment":"neutral","sentiment_score":0.07193311416943159,"channel":1,"num_words":29,"start":215.86499,"end":227.3},{"sentences":[{"text":"Yeah.","start":227.06,"end":227.45999,"sentiment":"neutral","sentiment_score":0.06699356436729431},{"text":"$7.50 to 800 as a bit of a range.","start":227.45999,"end":230.04,"sentiment":"neutral","sentiment_score":0.06680602745877372}],"sentiment":"neutral","sentiment_score":0.06682478114962578,"channel":0,"num_words":10,"start":227.06,"end":230.04},{"sentences":[{"text":"Mhmm.","start":230.255,"end":230.755,"sentiment":"neutral","sentiment_score":0.03402380645275116}],"sentiment":"neutral","sentiment_score":0.03402380645275116,"channel":1,"num_words":1,"start":230.255,"end":230.755},{"sentences":[{"text":"I think we did actually have listed down about $5,000 in ETFs previously.","start":231.095,"end":236.395,"sentiment":"neutral","sentiment_score":0.03799335601238104},{"text":"Have","start":236.935,"end":237.175,"sentiment":"neutral","sentiment_score":0.017559997737407684}],"sentiment":"neutral","sentiment_score":0.03653383042131152,"channel":0,"num_words":14,"start":231.095,"end":237.175},{"sentences":[{"text":"Okay.","start":237.13501,"end":237.63501,"sentiment":"neutral","sentiment_score":0.029743708670139313}],"sentiment":"neutral","sentiment_score":0.029743708670139313,"channel":1,"num_words":1,"start":237.13501,"end":237.63501},{"sentences":[{"text":"you kind of built up the Comsec account above that?","start":237.175,"end":240.155,"sentiment":"neutral","sentiment_score":0.04959522932767868}],"sentiment":"neutral","sentiment_score":0.04959522932767868,"channel":0,"num_words":10,"start":237.175,"end":240.155},{"sentences":[{"text":"I think I'm at about 13 or 14 k at the moment.","start":241.13501,"end":244.26,"sentiment":"neutral","sentiment_score":0.036395759942630924}],"sentiment":"neutral","sentiment_score":0.036395759942630924,"channel":1,"num_words":12,"start":241.13501,"end":244.26},{"sentences":[{"text":"Oh, fantastic.","start":244.55,"end":245.29,"sentiment":"positive","sentiment_score":0.5901101231575012},{"text":"Are you putting aside, like, regular amounts?","start":245.35,"end":247.35,"sentiment":"neutral","sentiment_score":0.15663932050977433},{"text":"Or","start":247.35,"end":247.67,"sentiment":"neutral","sentiment_score":0.0948266014456749}],"sentiment":"neutral","sentiment_score":0.23715220913290977,"channel":0,"num_words":10,"start":244.55,"end":247.67},{"sentences":[{"text":"Yes.","start":248.9,"end":249.14,"sentiment":"neutral","sentiment_score":0.10190658271312714},{"text":"I'm doing two hun like, around 200 a fortnight.","start":249.14,"end":252.36,"sentiment":"neutral","sentiment_score":0.12225561671786839}],"sentiment":"neutral","sentiment_score":0.12022071331739426,"channel":1,"num_words":10,"start":248.9,"end":252.36},{"sentences":[{"text":"yep.","start":253.03,"end":253.53,"sentiment":"neutral","sentiment_score":0.15693877637386322},{"text":"Right.","start":253.83,"end":254.15,"sentiment":"neutral","sentiment_score":0.2932720184326172},{"text":"Good little toe dip into it.","start":254.15,"end":255.43,"sentiment":"positive","sentiment_score":0.5106196850538254},{"text":"And have you found it so far?","start":255.43,"end":256.97,"sentiment":"neutral","sentiment_score":0.23743667134216853}],"sentiment":"positive","sentiment_score":0.3450657069683075,"channel":0,"num_words":15,"start":253.03,"end":256.97},{"sentences":[{"text":"Yeah.","start":258.44498,"end":258.685,"sentiment":"positive","sentiment_score":0.37076956033706665},{"text":"Good.","start":258.685,"end":259.005,"sentiment":"positive","sentiment_score":0.5396740436553955},{"text":"Like, I'm not missing the money.","start":259.005,"end":260.625,"sentiment":"positive","sentiment_score":0.5007811983426412},{"text":"I just become part of the routine now.","start":261.005,"end":263.185,"sentiment":"positive","sentiment_score":0.5145748071372509}],"sentiment":"positive","sentiment_score":0.5019830781966448,"channel":1,"num_words":16,"start":258.44498,"end":263.185},{"sentences":[{"text":"Yep.","start":263.74503,"end":264.14502,"sentiment":"neutral","sentiment_score":0.2153890430927277},{"text":"So it's part of the surplus there.","start":264.14502,"end":266.225,"sentiment":"neutral","sentiment_score":0.2146994365113122},{"text":"It's not something that you need to kind of sell down or access in the next twelve months or so.","start":266.225,"end":270.54,"sentiment":"neutral","sentiment_score":0.0710213428363204}],"sentiment":"neutral","sentiment_score":0.11209685554994005,"channel":0,"num_words":28,"start":263.74503,"end":270.54},{"sentences":[{"text":"Yeah.","start":270.86,"end":271.18,"sentiment":"neutral","sentiment_score":-0.010037055239081384},{"text":"Hopefully not.","start":271.18,"end":272.08,"sentiment":"neutral","sentiment_score":-0.055979907512664795}],"sentiment":"neutral","sentiment_score":-0.04066562342147032,"channel":1,"num_words":3,"start":270.86,"end":272.08},{"sentences":[{"text":"Perfect.","start":273.18002,"end":273.66,"sentiment":"neutral","sentiment_score":0.22448265552520752},{"text":"And the last couple of questions on assets and liabilities, you","start":273.66,"end":277.42,"sentiment":"neutral","sentiment_score":0.05129317956214601}],"sentiment":"neutral","sentiment_score":0.06572563589240114,"channel":0,"num_words":12,"start":273.18002,"end":277.42},{"sentences":[{"text":"Mhmm.","start":277.41998,"end":277.91998,"sentiment":"neutral","sentiment_score":0.023971734568476677}],"sentiment":"neutral","sentiment_score":0.023971734568476677,"channel":1,"num_words":1,"start":277.41998,"end":277.91998},{"sentences":[{"text":"had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down.","start":277.42,"end":284.955,"sentiment":"neutral","sentiment_score":0.033321563883320145}],"sentiment":"neutral","sentiment_score":0.033321563883320145,"channel":0,"num_words":23,"start":277.42,"end":284.955},{"sentences":[{"text":"Yeah.","start":285.89502,"end":286.05502,"sentiment":"neutral","sentiment_score":0.06500646471977234},{"text":"That's the same.","start":286.05502,"end":286.95502,"sentiment":"neutral","sentiment_score":0.09688280522823334}],"sentiment":"neutral","sentiment_score":0.08891372010111809,"channel":1,"num_words":4,"start":285.89502,"end":286.95502},{"sentences":[{"text":"Perfect.","start":288.155,"end":288.655,"sentiment":"positive","sentiment_score":0.4139903783798218},{"text":"Alrighty.","start":288.79498,"end":289.29498,"sentiment":"neutral","sentiment_score":0.1863611340522766},{"text":"Now I might just quickly touch on the the CommSec side of things at the moment.","start":289.435,"end":293.29498,"sentiment":"neutral","sentiment_score":0.06620498513802886},{"text":"Now","start":293.51498,"end":294.01498,"sentiment":"neutral","sentiment_score":0.02064479328691959}],"sentiment":"neutral","sentiment_score":0.08843558252249893,"channel":0,"num_words":19,"start":288.155,"end":294.01498},{"sentences":[{"text":"Mhmm.","start":293.815,"end":294.315,"sentiment":"neutral","sentiment_score":0.01971721649169922}],"sentiment":"neutral","sentiment_score":0.01971721649169922,"channel":1,"num_words":1,"start":293.815,"end":294.315},{"sentences":[{"text":"were you able to kind of pick your own ETF investments from your own research?","start":294.31497,"end":299.13498,"sentiment":"neutral","sentiment_score":0.042227905616164206},{"text":"How did you kind of come up with what to","start":299.19498,"end":300.93,"sentiment":"neutral","sentiment_score":0.0346978971734643}],"sentiment":"neutral","sentiment_score":0.03921590223908424,"channel":0,"num_words":25,"start":294.31497,"end":300.93},{"sentences":[{"text":"I just kind of went for very broad ones, to be honest.","start":303.11,"end":305.91,"sentiment":"neutral","sentiment_score":0.05278428706030051},{"text":"Like, with Comsec, they've got kind of categories that you can","start":305.91,"end":309.29,"sentiment":"neutral","sentiment_score":0.08215371383862062}],"sentiment":"neutral","sentiment_score":0.06683053464993187,"channel":1,"num_words":23,"start":303.11,"end":309.29},{"sentences":[{"text":"put","start":309.33,"end":309.83,"sentiment":"neutral","sentiment_score":0.07126587629318237}],"sentiment":"neutral","sentiment_score":0.07126587629318237,"channel":0,"num_words":1,"start":309.33,"end":309.83},{"sentences":[{"text":"invest in.","start":309.66998,"end":310.23,"sentiment":"neutral","sentiment_score":0.05261664092540741},{"text":"So I've got, like, a tech one,","start":310.23,"end":311.715,"sentiment":"neutral","sentiment_score":0.04913099056908062}],"sentiment":"neutral","sentiment_score":0.049905579537153244,"channel":1,"num_words":9,"start":309.66998,"end":311.715},{"sentences":[{"text":"them","start":311.65,"end":311.9,"sentiment":"neutral","sentiment_score":0.051088061183691025}],"sentiment":"neutral","sentiment_score":0.051088061183691025,"channel":0,"num_words":1,"start":311.65,"end":311.9},{"sentences":[{"text":"and then","start":311.715,"end":312.035,"sentiment":"neutral","sentiment_score":0.04168545827269554}],"sentiment":"neutral","sentiment_score":0.04168545827269554,"channel":1,"num_words":2,"start":311.715,"end":312.035},{"sentences":[{"text":"in?","start":311.9,"end":312.4,"sentiment":"neutral","sentiment_score":0.0392354317009449}],"sentiment":"neutral","sentiment_score":0.0392354317009449,"channel":0,"num_words":1,"start":311.9,"end":312.4},{"sentences":[{"text":"I've got a, like, global global top 200 or whatever, and then the ASX 200.","start":312.035,"end":318.375,"sentiment":"neutral","sentiment_score":0.05780997400482495}],"sentiment":"neutral","sentiment_score":0.05780997400482495,"channel":1,"num_words":15,"start":312.035,"end":318.375},{"sentences":[{"text":"Yep.","start":318.86502,"end":319.265,"sentiment":"neutral","sentiment_score":0.06832903623580933},{"text":"So a bit of a spread across a few different ones.","start":319.265,"end":321.685,"sentiment":"neutral","sentiment_score":0.050523073158480904}],"sentiment":"neutral","sentiment_score":0.05200690341492494,"channel":0,"num_words":12,"start":318.86502,"end":321.685},{"sentences":[{"text":"Yeah.","start":321.715,"end":322.035,"sentiment":"neutral","sentiment_score":0.06468245387077332},{"text":"I just kinda wanted to keep it very basic starting out.","start":322.035,"end":324.95,"sentiment":"neutral","sentiment_score":0.12610148638486862}],"sentiment":"neutral","sentiment_score":0.12098323367536068,"channel":1,"num_words":12,"start":321.715,"end":324.95},{"sentences":[{"text":"Perfect.","start":325.28,"end":325.6,"sentiment":"positive","sentiment_score":0.3839121460914612},{"text":"And did you just go for, like, a standard kind of Vanguard funds for all three of those?","start":325.6,"end":330.5,"sentiment":"neutral","sentiment_score":0.12249875937898953}],"sentiment":"neutral","sentiment_score":0.13625735867964595,"channel":0,"num_words":19,"start":325.28,"end":330.5},{"sentences":[{"text":"Yeah.","start":331.09,"end":331.33,"sentiment":"neutral","sentiment_score":0.13804282248020172},{"text":"I believe so.","start":331.33,"end":332.39,"sentiment":"neutral","sentiment_score":0.2199246883392334}],"sentiment":"neutral","sentiment_score":0.19945422187447548,"channel":1,"num_words":4,"start":331.09,"end":332.39},{"sentences":[{"text":"Amazing.","start":332.8,"end":333.28,"sentiment":"positive","sentiment_score":0.6167970895767212},{"text":"So nice and low fee there.","start":333.28,"end":335.22,"sentiment":"positive","sentiment_score":0.5956093271573385},{"text":"Brokerage isn't","start":335.28,"end":336.16,"sentiment":"neutral","sentiment_score":0.09768691658973694}],"sentiment":"positive","sentiment_score":0.4873140984111362,"channel":0,"num_words":9,"start":332.8,"end":336.16},{"sentences":[{"text":"Mhmm.","start":335.89,"end":336.39,"sentiment":"neutral","sentiment_score":0.015538576059043407}],"sentiment":"neutral","sentiment_score":0.015538576059043407,"channel":1,"num_words":1,"start":335.89,"end":336.39},{"sentences":[{"text":"usually too much.","start":336.16,"end":337.3,"sentiment":"neutral","sentiment_score":-0.0001316554844379425}],"sentiment":"neutral","sentiment_score":-0.0001316554844379425,"channel":0,"num_words":3,"start":336.16,"end":337.3},{"sentences":[{"text":"Yeah.","start":337.73,"end":337.995,"sentiment":"neutral","sentiment_score":0.03662622720003128}],"sentiment":"neutral","sentiment_score":0.03662622720003128,"channel":1,"num_words":1,"start":337.73,"end":337.995},{"sentences":[{"text":"When it comes to the investing side of things, I guess the","start":338.0,"end":341.385,"sentiment":"neutral","sentiment_score":0.025135107493648928}],"sentiment":"neutral","sentiment_score":0.025135107493648928,"channel":0,"num_words":12,"start":338.0,"end":341.385},{"sentences":[{"text":"Mhmm.","start":341.35498,"end":341.85498,"sentiment":"neutral","sentiment_score":-0.0026639685966074467}],"sentiment":"neutral","sentiment_score":-0.0026639685966074467,"channel":1,"num_words":1,"start":341.35498,"end":341.85498},{"sentences":[{"text":"way I can explain the landscape for you is","start":341.385,"end":344.445,"sentiment":"neutral","sentiment_score":0.08442363391319911}],"sentiment":"neutral","sentiment_score":0.08442363391319911,"channel":0,"num_words":9,"start":341.385,"end":344.445},{"sentences":[{"text":"Mhmm.","start":344.155,"end":344.655,"sentiment":"neutral","sentiment_score":0.1050494983792305}],"sentiment":"neutral","sentiment_score":0.1050494983792305,"channel":1,"num_words":1,"start":344.155,"end":344.655},{"sentences":[{"text":"your Comsec accounts, nav trade accounts give you access to the shares and the ETFs.","start":344.585,"end":350.04498,"sentiment":"neutral","sentiment_score":0.23070859014987946},{"text":"And it's","start":350.425,"end":350.825,"sentiment":"neutral","sentiment_score":0.2840970456600189}],"sentiment":"neutral","sentiment_score":0.2369895849157782,"channel":0,"num_words":17,"start":344.585,"end":350.825},{"sentences":[{"text":"Mhmm.","start":350.79498,"end":351.12,"sentiment":"neutral","sentiment_score":0.3321402966976166}],"sentiment":"neutral","sentiment_score":0.3321402966976166,"channel":1,"num_words":1,"start":350.79498,"end":351.12},{"sentences":[{"text":"a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them.","start":350.825,"end":356.4,"sentiment":"positive","sentiment_score":0.5162722036242485}],"sentiment":"positive","sentiment_score":0.5162722036242485,"channel":0,"num_words":20,"start":350.825,"end":356.4},{"sentences":[{"text":"Mhmm.","start":356.96,"end":357.46,"sentiment":"neutral","sentiment_score":0.1962476670742035}],"sentiment":"neutral","sentiment_score":0.1962476670742035,"channel":1,"num_words":1,"start":356.96,"end":357.46},{"sentences":[{"text":"From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow.","start":357.75998,"end":365.22,"sentiment":"neutral","sentiment_score":0.27778000157812366},{"text":"The only","start":365.28,"end":365.75998,"sentiment":"neutral","sentiment_score":0.07624603807926178}],"sentiment":"neutral","sentiment_score":0.26165728449821474,"channel":0,"num_words":25,"start":357.75998,"end":365.75998},{"sentences":[{"text":"Yeah.","start":365.68,"end":366.135,"sentiment":"neutral","sentiment_score":0.09436257928609848}],"sentiment":"neutral","sentiment_score":0.09436257928609848,"channel":1,"num_words":1,"start":365.68,"end":366.135},{"sentences":[{"text":"thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example,","start":365.75998,"end":377.73502,"sentiment":"neutral","sentiment_score":0.07781858769831834}],"sentiment":"neutral","sentiment_score":0.07781858769831834,"channel":0,"num_words":27,"start":365.75998,"end":377.73502},{"sentences":[{"text":"Mhmm.","start":377.575,"end":378.075,"sentiment":"neutral","sentiment_score":0.06464864313602448}],"sentiment":"neutral","sentiment_score":0.06464864313602448,"channel":1,"num_words":1,"start":377.575,"end":378.075},{"sentences":[{"text":"from us, or other investment options, asset classes, and things like that.","start":377.73502,"end":382.71,"sentiment":"neutral","sentiment_score":0.06053628399968147}],"sentiment":"neutral","sentiment_score":0.06053628399968147,"channel":0,"num_words":12,"start":377.73502,"end":382.71},{"sentences":[{"text":"Yep.","start":383.03,"end":383.53,"sentiment":"neutral","sentiment_score":0.12386809289455414}],"sentiment":"neutral","sentiment_score":0.12386809289455414,"channel":1,"num_words":1,"start":383.03,"end":383.53},{"sentences":[{"text":"So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held","start":384.22998,"end":394.06998,"sentiment":"neutral","sentiment_score":0.1850708363385036}],"sentiment":"neutral","sentiment_score":0.1850708363385036,"channel":0,"num_words":29,"start":384.22998,"end":394.06998},{"sentences":[{"text":"Mhmm.","start":393.99,"end":394.485,"sentiment":"neutral","sentiment_score":0.15608413517475128}],"sentiment":"neutral","sentiment_score":0.15608413517475128,"channel":1,"num_words":1,"start":393.99,"end":394.485},{"sentences":[{"text":"personally in your name, and they've got","start":394.06998,"end":396.06998,"sentiment":"neutral","sentiment_score":0.16495196734155929}],"sentiment":"neutral","sentiment_score":0.16495196734155929,"channel":0,"num_words":7,"start":394.06998,"end":396.06998},{"sentences":[{"text":"Yep.","start":396.00497,"end":396.50497,"sentiment":"neutral","sentiment_score":0.1512521207332611}],"sentiment":"neutral","sentiment_score":0.1512521207332611,"channel":1,"num_words":1,"start":396.00497,"end":396.50497},{"sentences":[{"text":"all the same investment options.","start":396.06998,"end":397.635,"sentiment":"neutral","sentiment_score":0.12239522784948349},{"text":"1,000","start":397.795,"end":398.27502,"sentiment":"neutral","sentiment_score":0.06761228293180466}],"sentiment":"neutral","sentiment_score":0.11326473702987035,"channel":0,"num_words":6,"start":396.06998,"end":398.27502},{"sentences":[{"text":"Okay.","start":398.245,"end":398.745,"sentiment":"neutral","sentiment_score":0.09926778078079224}],"sentiment":"neutral","sentiment_score":0.09926778078079224,"channel":1,"num_words":1,"start":398.245,"end":398.745},{"sentences":[{"text":"300 options, all the shares, ETFs, everything you kind of want, and you can","start":398.27502,"end":403.075,"sentiment":"neutral","sentiment_score":0.20252054929733276}],"sentiment":"neutral","sentiment_score":0.20252054929733276,"channel":0,"num_words":14,"start":398.27502,"end":403.075},{"sentences":[{"text":"Mhmm.","start":402.88498,"end":403.38498,"sentiment":"neutral","sentiment_score":0.19629351794719696}],"sentiment":"neutral","sentiment_score":0.19629351794719696,"channel":1,"num_words":1,"start":402.88498,"end":403.38498},{"sentences":[{"text":"pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense.","start":403.075,"end":409.255,"sentiment":"neutral","sentiment_score":0.2018723040819168}],"sentiment":"neutral","sentiment_score":0.2018723040819168,"channel":0,"num_words":22,"start":403.075,"end":409.255},{"sentences":[{"text":"Yeah.","start":409.525,"end":410.01,"sentiment":"neutral","sentiment_score":0.17293599247932434}],"sentiment":"neutral","sentiment_score":0.17293599247932434,"channel":1,"num_words":1,"start":409.525,"end":410.01},{"sentences":[{"text":"So we do do a lot of that for clients.","start":410.85,"end":413.00998,"sentiment":"neutral","sentiment_score":0.23723858445882798},{"text":"But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance.","start":413.00998,"end":419.43,"sentiment":"neutral","sentiment_score":0.29402021351067914},{"text":"You can kind of","start":419.57,"end":420.37,"sentiment":"neutral","sentiment_score":0.3037291541695595}],"sentiment":"neutral","sentiment_score":0.2797234424868146,"channel":0,"num_words":37,"start":410.85,"end":420.37},{"sentences":[{"text":"Okay.","start":420.25,"end":420.75,"sentiment":"neutral","sentiment_score":0.2344883382320404}],"sentiment":"neutral","sentiment_score":0.2344883382320404,"channel":1,"num_words":1,"start":420.25,"end":420.75},{"sentences":[{"text":"afford to get the fancier platform with all the bells, whistles, features, and options.","start":420.37,"end":424.83502,"sentiment":"positive","sentiment_score":0.354897814137595},{"text":"It's not something that you would do, for example, with 13,000.","start":425.135,"end":428.595,"sentiment":"neutral","sentiment_score":0.032058585096489296},{"text":"We usually start off people in those accounts at about 50 or 80,000.","start":428.73502,"end":432.915,"sentiment":"neutral","sentiment_score":0.10438476216334563}],"sentiment":"neutral","sentiment_score":0.17574251952924227,"channel":0,"num_words":38,"start":420.37,"end":432.915},{"sentences":[{"text":"Yeah.","start":433.475,"end":433.875,"sentiment":"neutral","sentiment_score":0.2147519886493683},{"text":"Sure.","start":433.875,"end":434.375,"sentiment":"neutral","sentiment_score":0.3151169419288635}],"sentiment":"neutral","sentiment_score":0.2649344652891159,"channel":1,"num_words":2,"start":433.475,"end":434.375},{"sentences":[{"text":"So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling.","start":434.75,"end":441.65,"sentiment":"positive","sentiment_score":0.49681119561195375},{"text":"And then once","start":441.71,"end":442.35,"sentiment":"neutral","sentiment_score":0.26672976712385815}],"sentiment":"positive","sentiment_score":0.4721596139882292,"channel":0,"num_words":28,"start":434.75,"end":442.35},{"sentences":[{"text":"Mhmm.","start":442.12,"end":442.62,"sentiment":"neutral","sentiment_score":0.2226552665233612}],"sentiment":"neutral","sentiment_score":0.2226552665233612,"channel":1,"num_words":1,"start":442.12,"end":442.62},{"sentences":[{"text":"you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform.","start":442.35,"end":449.72998,"sentiment":"neutral","sentiment_score":0.21801152639091015},{"text":"So it's kind of like three degrees of platform structure.","start":449.835,"end":453.535,"sentiment":"neutral","sentiment_score":0.17107161432504653},{"text":"One for","start":453.91498,"end":454.315,"sentiment":"neutral","sentiment_score":0.12769004702568054}],"sentiment":"neutral","sentiment_score":0.1999548019634353,"channel":0,"num_words":36,"start":442.35,"end":454.315},{"sentences":[{"text":"Mhmm.","start":454.195,"end":454.695,"sentiment":"neutral","sentiment_score":0.13721752166748047}],"sentiment":"neutral","sentiment_score":0.13721752166748047,"channel":1,"num_words":1,"start":454.195,"end":454.695},{"sentences":[{"text":"the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that.","start":454.315,"end":461.775,"sentiment":"neutral","sentiment_score":0.1460575370684914}],"sentiment":"neutral","sentiment_score":0.1460575370684914,"channel":0,"num_words":23,"start":454.315,"end":461.775},{"sentences":[{"text":"Yep.","start":462.435,"end":462.935,"sentiment":"neutral","sentiment_score":0.07778140902519226}],"sentiment":"neutral","sentiment_score":0.07778140902519226,"channel":1,"num_words":1,"start":462.435,"end":462.935},{"sentences":[{"text":"K?","start":463.85,"end":464.35,"sentiment":"neutral","sentiment_score":0.025870753452181816},{"text":"Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can","start":464.41,"end":470.25,"sentiment":"neutral","sentiment_score":0.1026017232552955}],"sentiment":"neutral","sentiment_score":0.09876517476513982,"channel":0,"num_words":20,"start":463.85,"end":470.25},{"sentences":[{"text":"Mhmm.","start":470.22,"end":470.72,"sentiment":"neutral","sentiment_score":0.1304168552160263}],"sentiment":"neutral","sentiment_score":0.1304168552160263,"channel":1,"num_words":1,"start":470.22,"end":470.72},{"sentences":[{"text":"invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house","start":470.25,"end":476.585,"sentiment":"neutral","sentiment_score":0.1533242068860842}],"sentiment":"neutral","sentiment_score":0.1533242068860842,"channel":0,"num_words":23,"start":470.25,"end":476.585},{"sentences":[{"text":"Yeah.","start":476.30002,"end":476.80002,"sentiment":"neutral","sentiment_score":0.07649324089288712}],"sentiment":"neutral","sentiment_score":0.07649324089288712,"channel":1,"num_words":1,"start":476.30002,"end":476.80002},{"sentences":[{"text":"deposit or a car.","start":476.585,"end":477.94498,"sentiment":"neutral","sentiment_score":0.10124053061008453},{"text":"So you kind of bounce between the two.","start":477.94498,"end":480.125,"sentiment":"neutral","sentiment_score":0.15927202068269253},{"text":"You've got your","start":480.185,"end":480.82498,"sentiment":"neutral","sentiment_score":0.2512000153462092}],"sentiment":"neutral","sentiment_score":0.16218255559603373,"channel":0,"num_words":15,"start":476.585,"end":480.82498},{"sentences":[{"text":"Mhmm.","start":480.7,"end":481.125,"sentiment":"neutral","sentiment_score":0.16578784584999084}],"sentiment":"neutral","sentiment_score":0.16578784584999084,"channel":1,"num_words":1,"start":480.7,"end":481.125},{"sentences":[{"text":"ETFs and managed platforms, and then you've got, like, tax structures for investing","start":480.82498,"end":486.44498,"sentiment":"neutral","sentiment_score":0.13667704050357526}],"sentiment":"neutral","sentiment_score":0.13667704050357526,"channel":0,"num_words":13,"start":480.82498,"end":486.44498},{"sentences":[{"text":"Yep.","start":486.005,"end":486.505,"sentiment":"neutral","sentiment_score":0.12200814485549928}],"sentiment":"neutral","sentiment_score":0.12200814485549928,"channel":1,"num_words":1,"start":486.005,"end":486.505},{"sentences":[{"text":"for on behalf of other people.","start":486.505,"end":488.125,"sentiment":"neutral","sentiment_score":0.14530072982112566}],"sentiment":"neutral","sentiment_score":0.14530072982112566,"channel":0,"num_words":6,"start":486.505,"end":488.125},{"sentences":[{"text":"Yeah.","start":488.645,"end":489.145,"sentiment":"neutral","sentiment_score":0.12002292275428772}],"sentiment":"neutral","sentiment_score":0.12002292275428772,"channel":1,"num_words":1,"start":488.645,"end":489.145},{"sentences":[{"text":"Okay.","start":489.74,"end":490.06,"sentiment":"neutral","sentiment_score":0.13398399949073792},{"text":"What are your thoughts on that so far?","start":490.06,"end":491.5,"sentiment":"neutral","sentiment_score":0.11064627766609192},{"text":"I know I've just kind of dumped a bit of info at you, but any initial thoughts?","start":491.5,"end":495.6,"sentiment":"neutral","sentiment_score":-0.0726427464362453}],"sentiment":"neutral","sentiment_score":-0.008298941099872956,"channel":0,"num_words":26,"start":489.74,"end":495.6},{"sentences":[{"text":"I guess that's something that potentially we will look into if if the family happens.","start":497.08002,"end":502.94,"sentiment":"neutral","sentiment_score":-0.11210473477840424}],"sentiment":"neutral","sentiment_score":-0.11210473477840424,"channel":1,"num_words":15,"start":497.08002,"end":502.94},{"sentences":[{"text":"Yeah.","start":503.51498,"end":504.01498,"sentiment":"neutral","sentiment_score":0.00753214955329895}],"sentiment":"neutral","sentiment_score":0.00753214955329895,"channel":0,"num_words":1,"start":503.51498,"end":504.01498},{"sentences":[{"text":"Yeah.","start":503.64,"end":503.88,"sentiment":"neutral","sentiment_score":0.003196246922016144},{"text":"I I mean, I I very much feel like I'm just kinda dabbling at the moment.","start":503.88,"end":507.24002,"sentiment":"neutral","sentiment_score":-0.12862863508053124},{"text":"So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do.","start":507.24002,"end":516.555,"sentiment":"neutral","sentiment_score":-0.11718803058777537},{"text":"So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing?","start":517.89496,"end":523.77,"sentiment":"neutral","sentiment_score":-0.02595917647704482}],"sentiment":"neutral","sentiment_score":-0.0900816969286937,"channel":1,"num_words":65,"start":503.64,"end":523.77},{"sentences":[{"text":"Yeah.","start":524.25,"end":524.57,"sentiment":"neutral","sentiment_score":0.16105398535728457},{"text":"So the two main considerations I'll give you is, yes, absolutely.","start":524.57,"end":528.135,"sentiment":"neutral","sentiment_score":0.30129362642765045}],"sentiment":"neutral","sentiment_score":0.2896069896717866,"channel":0,"num_words":12,"start":524.25,"end":528.135},{"sentences":[{"text":"Mhmm.","start":527.67,"end":528.17,"sentiment":"neutral","sentiment_score":0.14625781774520874}],"sentiment":"neutral","sentiment_score":0.14625781774520874,"channel":1,"num_words":1,"start":527.67,"end":528.17},{"sentences":[{"text":"If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll.","start":528.355,"end":541.52,"sentiment":"neutral","sentiment_score":0.32614044227251193},{"text":"There's no point trying to kind of go fancier than that and apply any fees.","start":541.52,"end":546.18,"sentiment":"neutral","sentiment_score":-0.023560155431429544}],"sentiment":"neutral","sentiment_score":0.23247063931609904,"channel":0,"num_words":56,"start":528.355,"end":546.18},{"sentences":[{"text":"Yeah.","start":546.785,"end":546.99,"sentiment":"positive","sentiment_score":0.4510355591773987}],"sentiment":"positive","sentiment_score":0.4510355591773987,"channel":1,"num_words":1,"start":546.785,"end":546.99},{"sentences":[{"text":"That's perfectly fine the way it is.","start":547.60004,"end":549.44,"sentiment":"positive","sentiment_score":0.708452011857714},{"text":"The only thing","start":549.44,"end":550.08,"sentiment":"neutral","sentiment_score":0.08215932548046112}],"sentiment":"positive","sentiment_score":0.5205642059445381,"channel":0,"num_words":10,"start":547.60004,"end":550.08},{"sentences":[{"text":"Mhmm.","start":549.95,"end":550.45,"sentiment":"neutral","sentiment_score":-0.00027514994144439697}],"sentiment":"neutral","sentiment_score":-0.00027514994144439697,"channel":1,"num_words":1,"start":549.95,"end":550.45},{"sentences":[{"text":"to keep in mind is, like I mentioned before, access to the funds.","start":550.08,"end":554.02,"sentiment":"neutral","sentiment_score":0.012404254422738003},{"text":"If you're","start":554.34503,"end":554.66504,"sentiment":"neutral","sentiment_score":-0.0053876228630542755}],"sentiment":"neutral","sentiment_score":0.010032004117965699,"channel":0,"num_words":15,"start":550.08,"end":554.66504},{"sentences":[{"text":"Mhmm.","start":554.58997,"end":555.08997,"sentiment":"neutral","sentiment_score":-0.0004431363195180893}],"sentiment":"neutral","sentiment_score":-0.0004431363195180893,"channel":1,"num_words":1,"start":554.58997,"end":555.08997},{"sentences":[{"text":"gonna put it all in shares, you generally wanna be investing for at least five to ten years rather","start":554.66504,"end":560.505,"sentiment":"neutral","sentiment_score":-0.011008396548660178}],"sentiment":"neutral","sentiment_score":-0.011008396548660178,"channel":0,"num_words":19,"start":554.66504,"end":560.505},{"sentences":[{"text":"Yeah.","start":560.43,"end":560.895,"sentiment":"neutral","sentiment_score":-0.03895668685436249}],"sentiment":"neutral","sentiment_score":-0.03895668685436249,"channel":1,"num_words":1,"start":560.43,"end":560.895},{"sentences":[{"text":"than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially","start":560.505,"end":565.485,"sentiment":"neutral","sentiment_score":-0.21270307153463364}],"sentiment":"neutral","sentiment_score":-0.21270307153463364,"channel":0,"num_words":20,"start":560.505,"end":565.485},{"sentences":[{"text":"Yeah.","start":565.215,"end":565.695,"sentiment":"neutral","sentiment_score":-0.14081747829914093},{"text":"I","start":565.695,"end":565.775,"sentiment":"neutral","sentiment_score":-0.18396922945976257}],"sentiment":"neutral","sentiment_score":-0.16239335387945175,"channel":1,"num_words":2,"start":565.215,"end":565.775},{"sentences":[{"text":"in","start":565.705,"end":565.865,"sentiment":"neutral","sentiment_score":-0.24195069074630737}],"sentiment":"neutral","sentiment_score":-0.24195069074630737,"channel":0,"num_words":1,"start":565.705,"end":565.865},{"sentences":[{"text":"guess","start":565.775,"end":566.015,"sentiment":"neutral","sentiment_score":-0.2141536921262741}],"sentiment":"neutral","sentiment_score":-0.2141536921262741,"channel":1,"num_words":1,"start":565.775,"end":566.015},{"sentences":[{"text":"the","start":565.865,"end":566.025,"sentiment":"neutral","sentiment_score":-0.2264469712972641}],"sentiment":"neutral","sentiment_score":-0.2264469712972641,"channel":0,"num_words":1,"start":565.865,"end":566.025},{"sentences":[{"text":"that's","start":566.015,"end":566.17505,"sentiment":"neutral","sentiment_score":-0.24718639254570007}],"sentiment":"neutral","sentiment_score":-0.24718639254570007,"channel":1,"num_words":1,"start":566.015,"end":566.17505},{"sentences":[{"text":"middle","start":566.025,"end":566.265,"sentiment":"neutral","sentiment_score":-0.31379973888397217}],"sentiment":"neutral","sentiment_score":-0.31379973888397217,"channel":0,"num_words":1,"start":566.025,"end":566.265},{"sentences":[{"text":"why","start":566.17505,"end":566.41504,"sentiment":"neutral","sentiment_score":-0.19354726374149325}],"sentiment":"neutral","sentiment_score":-0.19354726374149325,"channel":1,"num_words":1,"start":566.17505,"end":566.41504},{"sentences":[{"text":"of","start":566.265,"end":566.425,"sentiment":"neutral","sentiment_score":-0.2733055353164673}],"sentiment":"neutral","sentiment_score":-0.2733055353164673,"channel":0,"num_words":1,"start":566.265,"end":566.425},{"sentences":[{"text":"I","start":566.41504,"end":566.575,"sentiment":"neutral","sentiment_score":-0.2607983350753784}],"sentiment":"neutral","sentiment_score":-0.2607983350753784,"channel":1,"num_words":1,"start":566.41504,"end":566.575},{"sentences":[{"text":"the","start":566.425,"end":566.585,"sentiment":"neutral","sentiment_score":-0.32383814454078674}],"sentiment":"neutral","sentiment_score":-0.32383814454078674,"channel":0,"num_words":1,"start":566.425,"end":566.585},{"sentences":[{"text":"kind","start":566.575,"end":566.97504,"sentiment":"neutral","sentiment_score":-0.31955182552337646}],"sentiment":"neutral","sentiment_score":-0.31955182552337646,"channel":1,"num_words":1,"start":566.575,"end":566.97504},{"sentences":[{"text":"stock market","start":566.585,"end":567.145,"sentiment":"negative","sentiment_score":-0.4464053213596344}],"sentiment":"negative","sentiment_score":-0.4464053213596344,"channel":0,"num_words":2,"start":566.585,"end":567.145},{"sentences":[{"text":"of","start":566.97504,"end":567.375,"sentiment":"negative","sentiment_score":-0.35971447825431824}],"sentiment":"negative","sentiment_score":-0.35971447825431824,"channel":1,"num_words":1,"start":566.97504,"end":567.375},{"sentences":[{"text":"crash.","start":567.145,"end":567.645,"sentiment":"negative","sentiment_score":-0.3483814597129822}],"sentiment":"negative","sentiment_score":-0.3483814597129822,"channel":0,"num_words":1,"start":567.145,"end":567.645},{"sentences":[{"text":"only was doing the 200 because yeah.","start":567.375,"end":571.29504,"sentiment":"neutral","sentiment_score":-0.1706612440092223},{"text":"I'm I'm kind of using that as, like, set and forget at the moment.","start":571.29504,"end":574.7,"sentiment":"neutral","sentiment_score":0.012340422520147902}],"sentiment":"neutral","sentiment_score":-0.04866013298964217,"channel":1,"num_words":21,"start":567.375,"end":574.7},{"sentences":[{"text":"Yeah.","start":575.02,"end":575.26,"sentiment":"neutral","sentiment_score":-0.06350094079971313},{"text":"It's almost like you're gonna forward to lose it kind of thing.","start":575.26,"end":577.66003,"sentiment":"neutral","sentiment_score":-0.21609889902174473},{"text":"So it's it's okay if it kind of goes up and down with the stock","start":577.66003,"end":581.02,"sentiment":"neutral","sentiment_score":-0.1338094246884187}],"sentiment":"neutral","sentiment_score":-0.16656532497810467,"channel":0,"num_words":28,"start":575.02,"end":581.02},{"sentences":[{"text":"Yeah.","start":581.0,"end":581.5,"sentiment":"neutral","sentiment_score":-0.026863928884267807}],"sentiment":"neutral","sentiment_score":-0.026863928884267807,"channel":1,"num_words":1,"start":581.0,"end":581.5},{"sentences":[{"text":"market, would you say?","start":581.02,"end":582.285,"sentiment":"neutral","sentiment_score":0.0018289592117071143}],"sentiment":"neutral","sentiment_score":0.0018289592117071143,"channel":0,"num_words":4,"start":581.02,"end":582.285},{"sentences":[{"text":"Yes.","start":582.68,"end":583.18,"sentiment":"neutral","sentiment_score":0.2071098834276199}],"sentiment":"neutral","sentiment_score":0.2071098834276199,"channel":1,"num_words":1,"start":582.68,"end":583.18},{"sentences":[{"text":"Absolutely.","start":583.96497,"end":584.46497,"sentiment":"positive","sentiment_score":0.3990046977996826},{"text":"So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall.","start":584.52496,"end":592.785,"sentiment":"neutral","sentiment_score":0.1412897394462065}],"sentiment":"neutral","sentiment_score":0.14886959116248524,"channel":0,"num_words":34,"start":583.96497,"end":592.785},{"sentences":[{"text":"Mhmm.","start":592.675,"end":593.155,"sentiment":"neutral","sentiment_score":0.14973530173301697},{"text":"Yep.","start":593.155,"end":593.655,"sentiment":"neutral","sentiment_score":0.25413256883621216}],"sentiment":"neutral","sentiment_score":0.20193393528461456,"channel":1,"num_words":2,"start":592.675,"end":593.655},{"sentences":[{"text":"And that's all perfectly well to try and get maximum growth for retirement over the next","start":594.125,"end":599.37,"sentiment":"positive","sentiment_score":0.4557467345148325}],"sentiment":"positive","sentiment_score":0.4557467345148325,"channel":0,"num_words":16,"start":594.125,"end":599.37},{"sentences":[{"text":"Yep.","start":599.23505,"end":599.73505,"sentiment":"neutral","sentiment_score":0.2867659032344818}],"sentiment":"neutral","sentiment_score":0.2867659032344818,"channel":1,"num_words":1,"start":599.23505,"end":599.73505},{"sentences":[{"text":"thirty years.","start":599.37,"end":600.19,"sentiment":"neutral","sentiment_score":0.2481166422367096},{"text":"When we do personal investing, we actually create for you a personal risk profile.","start":600.32996,"end":604.43,"sentiment":"neutral","sentiment_score":0.1618228858070714},{"text":"And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on","start":604.81,"end":611.13,"sentiment":"neutral","sentiment_score":0.09179995439591862}],"sentiment":"neutral","sentiment_score":0.12674466832666784,"channel":0,"num_words":37,"start":599.37,"end":611.13},{"sentences":[{"text":"Mhmm.","start":611.00995,"end":611.50995,"sentiment":"neutral","sentiment_score":0.09766864031553268}],"sentiment":"neutral","sentiment_score":0.09766864031553268,"channel":1,"num_words":1,"start":611.00995,"end":611.50995},{"sentences":[{"text":"what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so","start":611.13,"end":622.455,"sentiment":"neutral","sentiment_score":0.1400450583427183}],"sentiment":"neutral","sentiment_score":0.1400450583427183,"channel":0,"num_words":31,"start":611.13,"end":622.455},{"sentences":[{"text":"Yep.","start":622.445,"end":622.945,"sentiment":"neutral","sentiment_score":0.1454111784696579}],"sentiment":"neutral","sentiment_score":0.1454111784696579,"channel":1,"num_words":1,"start":622.445,"end":622.945},{"sentences":[{"text":"on, we can kind","start":622.455,"end":623.33496,"sentiment":"neutral","sentiment_score":0.15410850569605827}],"sentiment":"neutral","sentiment_score":0.15410850569605827,"channel":0,"num_words":4,"start":622.455,"end":623.33496},{"sentences":[{"text":"Mhmm.","start":623.245,"end":623.745,"sentiment":"neutral","sentiment_score":0.11170538514852524}],"sentiment":"neutral","sentiment_score":0.11170538514852524,"channel":1,"num_words":1,"start":623.245,"end":623.745},{"sentences":[{"text":"of tailor things a little bit there down the line.","start":623.33496,"end":625.59,"sentiment":"neutral","sentiment_score":0.09442472457885742}],"sentiment":"neutral","sentiment_score":0.09442472457885742,"channel":0,"num_words":10,"start":623.33496,"end":625.59},{"sentences":[{"text":"Yeah.","start":625.885,"end":626.25,"sentiment":"neutral","sentiment_score":0.22373676300048828}],"sentiment":"neutral","sentiment_score":0.22373676300048828,"channel":1,"num_words":1,"start":625.885,"end":626.25},{"sentences":[{"text":"Cool.","start":627.03,"end":627.53,"sentiment":"neutral","sentiment_score":0.2662118077278137},{"text":"Now while we're on the subject, I just wanted to double check.","start":627.83,"end":630.31,"sentiment":"neutral","sentiment_score":0.01342124491930008},{"text":"Obviously, you've been checking","start":630.31,"end":631.59,"sentiment":"neutral","sentiment_score":-0.01720318477600813}],"sentiment":"neutral","sentiment_score":0.021085529862081304,"channel":0,"num_words":17,"start":627.03,"end":631.59},{"sentences":[{"text":"Sure.","start":631.29,"end":631.79,"sentiment":"neutral","sentiment_score":0.0041114650666713715}],"sentiment":"neutral","sentiment_score":0.0041114650666713715,"channel":1,"num_words":1,"start":631.29,"end":631.79},{"sentences":[{"text":"your super lately, and","start":631.59,"end":633.29004,"sentiment":"neutral","sentiment_score":-0.002084058243781328}],"sentiment":"neutral","sentiment_score":-0.002084058243781328,"channel":0,"num_words":4,"start":631.59,"end":633.29004},{"sentences":[{"text":"Mhmm.","start":633.05,"end":633.55,"sentiment":"neutral","sentiment_score":-0.02320324629545212}],"sentiment":"neutral","sentiment_score":-0.02320324629545212,"channel":1,"num_words":1,"start":633.05,"end":633.55},{"sentences":[{"text":"you're in that kind of volatile market at the moment.","start":633.43005,"end":636.23004,"sentiment":"neutral","sentiment_score":-0.1530805706977844},{"text":"I've noticed","start":636.23004,"end":636.87006,"sentiment":"neutral","sentiment_score":-0.0590509157627821}],"sentiment":"neutral","sentiment_score":-0.1374089615419507,"channel":0,"num_words":12,"start":633.43005,"end":636.87006},{"sentences":[{"text":"Yep.","start":636.81,"end":637.31,"sentiment":"neutral","sentiment_score":-0.08362163603305817}],"sentiment":"neutral","sentiment_score":-0.08362163603305817,"channel":1,"num_words":1,"start":636.81,"end":637.31},{"sentences":[{"text":"your your fund bouncing up and down quite a bit lately.","start":636.87006,"end":640.08496,"sentiment":"neutral","sentiment_score":-0.17869330536235462},{"text":"When was the last time you logged in?","start":640.08496,"end":642.02496,"sentiment":"neutral","sentiment_score":-0.039064609445631504}],"sentiment":"neutral","sentiment_score":-0.11990227550268173,"channel":0,"num_words":19,"start":636.87006,"end":642.02496},{"sentences":[{"text":"Yesterday, I think.","start":642.80505,"end":643.765,"sentiment":"neutral","sentiment_score":-0.03187800943851471},{"text":"Yesterday or the day","start":643.765,"end":644.405,"sentiment":"neutral","sentiment_score":-0.01565010892227292}],"sentiment":"neutral","sentiment_score":-0.022604923429233686,"channel":1,"num_words":7,"start":642.80505,"end":644.405},{"sentences":[{"text":"Yesterday.","start":644.40497,"end":644.90497,"sentiment":"neutral","sentiment_score":-0.019678693264722824}],"sentiment":"neutral","sentiment_score":-0.019678693264722824,"channel":0,"num_words":1,"start":644.40497,"end":644.90497},{"sentences":[{"text":"before.","start":644.405,"end":644.905,"sentiment":"neutral","sentiment_score":-0.02485646866261959},{"text":"But","start":645.685,"end":645.92505,"sentiment":"neutral","sentiment_score":0.05845455080270767}],"sentiment":"neutral","sentiment_score":0.01679904107004404,"channel":1,"num_words":2,"start":644.405,"end":645.92505},{"sentences":[{"text":"Perfect.","start":645.925,"end":646.425,"sentiment":"neutral","sentiment_score":0.221955806016922}],"sentiment":"neutral","sentiment_score":0.221955806016922,"channel":0,"num_words":1,"start":645.925,"end":646.425},{"sentences":[{"text":"I hadn't for a while before that.","start":645.92505,"end":647.625,"sentiment":"neutral","sentiment_score":0.0003714678542954581}],"sentiment":"neutral","sentiment_score":0.0003714678542954581,"channel":1,"num_words":7,"start":645.92505,"end":647.625},{"sentences":[{"text":"One really good example I wanted to just quickly run by you is","start":648.725,"end":652.665,"sentiment":"neutral","sentiment_score":0.17081372153300506}],"sentiment":"neutral","sentiment_score":0.17081372153300506,"channel":0,"num_words":13,"start":648.725,"end":652.665},{"sentences":[{"text":"Mhmm.","start":652.325,"end":652.825,"sentiment":"neutral","sentiment_score":0.13608132302761078}],"sentiment":"neutral","sentiment_score":0.13608132302761078,"channel":1,"num_words":1,"start":652.325,"end":652.825},{"sentences":[{"text":"when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135.","start":653.57,"end":663.09,"sentiment":"neutral","sentiment_score":0.03776414319872856},{"text":"So it's a","start":663.09,"end":663.57,"sentiment":"neutral","sentiment_score":0.12082410603761673}],"sentiment":"neutral","sentiment_score":0.04734798506475412,"channel":0,"num_words":26,"start":653.57,"end":663.57},{"sentences":[{"text":"Yep.","start":663.55,"end":664.05,"sentiment":"neutral","sentiment_score":0.11652271449565887}],"sentiment":"neutral","sentiment_score":0.11652271449565887,"channel":1,"num_words":1,"start":663.55,"end":664.05},{"sentences":[{"text":"$10 drop, and then it bounced straight back up to $1.46 a few","start":663.57,"end":668.13,"sentiment":"neutral","sentiment_score":0.12985107188041395}],"sentiment":"neutral","sentiment_score":0.12985107188041395,"channel":0,"num_words":13,"start":663.57,"end":668.13},{"sentences":[{"text":"Mhmm.","start":668.11,"end":668.61,"sentiment":"neutral","sentiment_score":0.05922799929976463}],"sentiment":"neutral","sentiment_score":0.05922799929976463,"channel":1,"num_words":1,"start":668.11,"end":668.61},{"sentences":[{"text":"weeks later.","start":668.13,"end":668.95,"sentiment":"neutral","sentiment_score":0.030136212706565857},{"text":"So it's like 10 down, 11 up, and","start":668.985,"end":671.96497,"sentiment":"neutral","sentiment_score":0.09667459037154913}],"sentiment":"neutral","sentiment_score":0.08336691483855248,"channel":0,"num_words":10,"start":668.13,"end":671.96497},{"sentences":[{"text":"Yeah.","start":671.815,"end":672.315,"sentiment":"neutral","sentiment_score":0.08443635702133179}],"sentiment":"neutral","sentiment_score":0.08443635702133179,"channel":1,"num_words":1,"start":671.815,"end":672.315},{"sentences":[{"text":"that kind of equates to, like, a 7% drop and a 9% gain in all","start":672.105,"end":677.305,"sentiment":"neutral","sentiment_score":0.05882405489683151}],"sentiment":"neutral","sentiment_score":0.05882405489683151,"channel":0,"num_words":15,"start":672.105,"end":677.305},{"sentences":[{"text":"Mhmm.","start":677.175,"end":677.675,"sentiment":"neutral","sentiment_score":0.02554232627153397}],"sentiment":"neutral","sentiment_score":0.02554232627153397,"channel":1,"num_words":1,"start":677.175,"end":677.675},{"sentences":[{"text":"of six weeks.","start":677.305,"end":678.765,"sentiment":"neutral","sentiment_score":-0.022718443845709164},{"text":"So that's kind","start":678.90497,"end":679.625,"sentiment":"neutral","sentiment_score":0.010935197273890177}],"sentiment":"neutral","sentiment_score":-0.0058916232859094935,"channel":0,"num_words":6,"start":677.305,"end":679.625},{"sentences":[{"text":"Yeah.","start":679.41504,"end":679.91504,"sentiment":"neutral","sentiment_score":0.004222014918923378}],"sentiment":"neutral","sentiment_score":0.004222014918923378,"channel":1,"num_words":1,"start":679.41504,"end":679.91504},{"sentences":[{"text":"of the volatility we're looking at.","start":679.625,"end":681.14496,"sentiment":"neutral","sentiment_score":-0.11904797082146008},{"text":"I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in","start":681.14496,"end":691.29004,"sentiment":"neutral","sentiment_score":-0.09478832791662878}],"sentiment":"neutral","sentiment_score":-0.09825399118874754,"channel":0,"num_words":42,"start":679.625,"end":691.29004},{"sentences":[{"text":"Mhmm.","start":691.11005,"end":691.43005,"sentiment":"neutral","sentiment_score":-0.0685700923204422}],"sentiment":"neutral","sentiment_score":-0.0685700923204422,"channel":1,"num_words":1,"start":691.11005,"end":691.43005},{"sentences":[{"text":"a","start":691.29004,"end":691.45,"sentiment":"neutral","sentiment_score":-0.016553398221731186}],"sentiment":"neutral","sentiment_score":-0.016553398221731186,"channel":0,"num_words":1,"start":691.29004,"end":691.45},{"sentences":[{"text":"Yeah.","start":691.43005,"end":691.93005,"sentiment":"neutral","sentiment_score":0.011164352297782898}],"sentiment":"neutral","sentiment_score":0.011164352297782898,"channel":1,"num_words":1,"start":691.43005,"end":691.93005},{"sentences":[{"text":"shorter period of time.","start":691.45,"end":692.81,"sentiment":"neutral","sentiment_score":0.03646169602870941},{"text":"And I was wanting to kind of gauge your comfort level with that.","start":692.81,"end":695.625,"sentiment":"neutral","sentiment_score":0.07048759953333782}],"sentiment":"neutral","sentiment_score":0.06248150459107231,"channel":0,"num_words":17,"start":691.45,"end":695.625},{"sentences":[{"text":"Yeah.","start":696.705,"end":696.945,"sentiment":"neutral","sentiment_score":0.1296636164188385},{"text":"I think I'm like yeah.","start":696.945,"end":698.385,"sentiment":"neutral","sentiment_score":0.17726536542177201},{"text":"I feel like that's to be expected at the moment.","start":698.385,"end":700.405,"sentiment":"neutral","sentiment_score":0.13795400857925416}],"sentiment":"neutral","sentiment_score":0.149720658082515,"channel":1,"num_words":16,"start":696.705,"end":700.405},{"sentences":[{"text":"Yep.","start":700.745,"end":701.245,"sentiment":"neutral","sentiment_score":0.16576576232910156},{"text":"Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially","start":701.305,"end":708.185,"sentiment":"neutral","sentiment_score":0.15656536543055585}],"sentiment":"neutral","sentiment_score":0.15702538527548313,"channel":0,"num_words":20,"start":700.745,"end":708.185},{"sentences":[{"text":"Yeah.","start":708.065,"end":708.3,"sentiment":"neutral","sentiment_score":0.10971912741661072}],"sentiment":"neutral","sentiment_score":0.10971912741661072,"channel":1,"num_words":1,"start":708.065,"end":708.3},{"sentences":[{"text":"considering you're in the education department.","start":708.185,"end":710.285,"sentiment":"neutral","sentiment_score":0.19714901596307755},{"text":"They pay pretty well on the payroll frequency.","start":710.7,"end":714.96,"sentiment":"positive","sentiment_score":0.38817761465907097},{"text":"They're not just","start":715.26,"end":716.16003,"sentiment":"neutral","sentiment_score":0.16238886614640555}],"sentiment":"neutral","sentiment_score":0.2809106830288382,"channel":0,"num_words":17,"start":708.185,"end":716.16003},{"sentences":[{"text":"Mhmm.","start":715.74,"end":716.24,"sentiment":"neutral","sentiment_score":0.17476032674312592}],"sentiment":"neutral","sentiment_score":0.17476032674312592,"channel":1,"num_words":1,"start":715.74,"end":716.24},{"sentences":[{"text":"waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that","start":716.22003,"end":723.26,"sentiment":"neutral","sentiment_score":0.21310674068000582}],"sentiment":"neutral","sentiment_score":0.21310674068000582,"channel":0,"num_words":27,"start":716.22003,"end":723.26},{"sentences":[{"text":"Yep.","start":723.26,"end":723.525,"sentiment":"neutral","sentiment_score":0.1059841364622116}],"sentiment":"neutral","sentiment_score":0.1059841364622116,"channel":1,"num_words":1,"start":723.26,"end":723.525},{"sentences":[{"text":"weekly","start":723.26,"end":723.74005,"sentiment":"neutral","sentiment_score":0.1072361171245575}],"sentiment":"neutral","sentiment_score":0.1072361171245575,"channel":0,"num_words":1,"start":723.26,"end":723.74005},{"sentences":[{"text":"Mhmm.","start":723.60504,"end":724.10504,"sentiment":"neutral","sentiment_score":0.08916425704956055}],"sentiment":"neutral","sentiment_score":0.08916425704956055,"channel":1,"num_words":1,"start":723.60504,"end":724.10504},{"sentences":[{"text":"fortnightly basis.","start":723.74005,"end":725.04004,"sentiment":"neutral","sentiment_score":0.08154227212071419},{"text":"So what we tend to do there is contributions come in.","start":726.33496,"end":729.295,"sentiment":"neutral","sentiment_score":0.17195490409027447},{"text":"If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price.","start":729.295,"end":737.45496,"sentiment":"neutral","sentiment_score":0.2447416459520658},{"text":"And then when the","start":737.45496,"end":738.01495,"sentiment":"neutral","sentiment_score":0.15944721922278404}],"sentiment":"neutral","sentiment_score":0.21350269669547994,"channel":0,"num_words":47,"start":723.74005,"end":738.01495},{"sentences":[{"text":"Yeah.","start":738.005,"end":738.24,"sentiment":"neutral","sentiment_score":0.18067027628421783}],"sentiment":"neutral","sentiment_score":0.18067027628421783,"channel":1,"num_words":1,"start":738.005,"end":738.24},{"sentences":[{"text":"market bounces back, you can kinda get that big double digit return on the way up again.","start":738.01495,"end":742.67,"sentiment":"neutral","sentiment_score":0.3268624035751118}],"sentiment":"neutral","sentiment_score":0.3268624035751118,"channel":0,"num_words":17,"start":738.01495,"end":742.67},{"sentences":[{"text":"Yep.","start":742.95996,"end":743.45996,"sentiment":"neutral","sentiment_score":0.06618013978004456}],"sentiment":"neutral","sentiment_score":0.06618013978004456,"channel":1,"num_words":1,"start":742.95996,"end":743.45996},{"sentences":[{"text":"Now probably don't wanna stay high risk when you're, say, 59 and then","start":744.64996,"end":748.81,"sentiment":"neutral","sentiment_score":-0.2313303196659455}],"sentiment":"neutral","sentiment_score":-0.2313303196659455,"channel":0,"num_words":13,"start":744.64996,"end":748.81},{"sentences":[{"text":"Mhmm.","start":748.8,"end":749.3,"sentiment":"neutral","sentiment_score":-0.20825882256031036}],"sentiment":"neutral","sentiment_score":-0.20825882256031036,"channel":1,"num_words":1,"start":748.8,"end":749.3},{"sentences":[{"text":"lose half your super to a stock market crash a year before you retire.","start":748.81,"end":752.33,"sentiment":"negative","sentiment_score":-0.36973155396325247},{"text":"Does that make sense?","start":752.33,"end":753.375,"sentiment":"neutral","sentiment_score":-0.10517635382711887}],"sentiment":"neutral","sentiment_score":-0.31094150948855614,"channel":0,"num_words":18,"start":748.81,"end":753.375},{"sentences":[{"text":"Yep.","start":753.52,"end":754.02,"sentiment":"neutral","sentiment_score":0.09062199294567108}],"sentiment":"neutral","sentiment_score":0.09062199294567108,"channel":1,"num_words":1,"start":753.52,"end":754.02},{"sentences":[{"text":"Absolutely.","start":754.895,"end":755.395,"sentiment":"neutral","sentiment_score":0.17343468964099884},{"text":"So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see","start":755.455,"end":764.095,"sentiment":"neutral","sentiment_score":0.12626835021792965}],"sentiment":"neutral","sentiment_score":0.12761595991573163,"channel":0,"num_words":35,"start":754.895,"end":764.095},{"sentences":[{"text":"Mhmm.","start":763.895,"end":764.395,"sentiment":"neutral","sentiment_score":0.035646870732307434}],"sentiment":"neutral","sentiment_score":0.035646870732307434,"channel":1,"num_words":1,"start":763.895,"end":764.395},{"sentences":[{"text":"that there.","start":764.095,"end":764.415,"sentiment":"neutral","sentiment_score":0.0278405100107193},{"text":"There's a hub twenty four performance report.","start":764.415,"end":766.435,"sentiment":"neutral","sentiment_score":0.04462452818240438}],"sentiment":"neutral","sentiment_score":0.04089474636647436,"channel":0,"num_words":9,"start":764.095,"end":766.435},{"sentences":[{"text":"Oh, yeah.","start":767.655,"end":768.05505,"sentiment":"neutral","sentiment_score":0.03181974217295647},{"text":"Sorry.","start":768.05505,"end":768.55505,"sentiment":"neutral","sentiment_score":0.002849290147423744},{"text":"The attachment.","start":768.74,"end":769.31995,"sentiment":"neutral","sentiment_score":0.011439184658229351},{"text":"I have '24 performance report.","start":770.01996,"end":771.54,"sentiment":"neutral","sentiment_score":0.04967442378401756},{"text":"Yep.","start":771.54,"end":772.04,"sentiment":"neutral","sentiment_score":0.10068705677986144}],"sentiment":"neutral","sentiment_score":0.03985693813724951,"channel":1,"num_words":11,"start":767.655,"end":772.04},{"sentences":[{"text":"Yep.","start":772.13,"end":772.37,"sentiment":"neutral","sentiment_score":0.10831093788146973},{"text":"And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec","start":772.37,"end":779.19,"sentiment":"neutral","sentiment_score":0.13681951366985837}],"sentiment":"neutral","sentiment_score":0.13567917063832283,"channel":0,"num_words":25,"start":772.13,"end":779.19},{"sentences":[{"text":"Yep.","start":779.69995,"end":780.19995,"sentiment":"neutral","sentiment_score":0.10563062131404875}],"sentiment":"neutral","sentiment_score":0.10563062131404875,"channel":1,"num_words":1,"start":779.69995,"end":780.19995},{"sentences":[{"text":"because they are ETFs as well.","start":779.905,"end":781.825,"sentiment":"neutral","sentiment_score":0.12901358554760614},{"text":"And then the","start":781.825,"end":782.465,"sentiment":"neutral","sentiment_score":0.09258145342270534}],"sentiment":"neutral","sentiment_score":0.11686954150597255,"channel":0,"num_words":9,"start":779.905,"end":782.465},{"sentences":[{"text":"Mhmm.","start":782.415,"end":782.915,"sentiment":"neutral","sentiment_score":0.06884840875864029}],"sentiment":"neutral","sentiment_score":0.06884840875864029,"channel":1,"num_words":1,"start":782.415,"end":782.915},{"sentences":[{"text":"second page is your total portfolio in one line.","start":782.465,"end":786.485,"sentiment":"neutral","sentiment_score":0.07665544665522045}],"sentiment":"neutral","sentiment_score":0.07665544665522045,"channel":0,"num_words":9,"start":782.465,"end":786.485},{"sentences":[{"text":"Yep.","start":787.21497,"end":787.71497,"sentiment":"neutral","sentiment_score":0.06462308019399643}],"sentiment":"neutral","sentiment_score":0.06462308019399643,"channel":1,"num_words":1,"start":787.21497,"end":787.71497},{"sentences":[{"text":"K.","start":788.465,"end":788.78503,"sentiment":"neutral","sentiment_score":0.021382005885243416},{"text":"So overall, 10.33% return after fees.","start":788.78503,"end":793.765,"sentiment":"positive","sentiment_score":0.3770397628347079},{"text":"Fantastic.","start":794.07,"end":794.57,"sentiment":"positive","sentiment_score":0.7908744215965271}],"sentiment":"positive","sentiment_score":0.38431187556125224,"channel":0,"num_words":8,"start":788.465,"end":794.57},{"sentences":[{"text":"Mhmm.","start":794.415,"end":794.915,"sentiment":"neutral","sentiment_score":0.3287239670753479}],"sentiment":"neutral","sentiment_score":0.3287239670753479,"channel":1,"num_words":1,"start":794.415,"end":794.915},{"sentences":[{"text":"That's kind of what we're aiming for in high growth is 10% or above","start":794.71,"end":798.09,"sentiment":"neutral","sentiment_score":0.23437927131141936}],"sentiment":"neutral","sentiment_score":0.23437927131141936,"channel":0,"num_words":14,"start":794.71,"end":798.09},{"sentences":[{"text":"Yeah.","start":798.67004,"end":799.17004,"sentiment":"neutral","sentiment_score":0.01684723049402237}],"sentiment":"neutral","sentiment_score":0.01684723049402237,"channel":1,"num_words":1,"start":798.67004,"end":799.17004},{"sentences":[{"text":"in terms of a benchmark.","start":798.71,"end":799.93,"sentiment":"neutral","sentiment_score":-0.014877223037183284},{"text":"The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different","start":800.71,"end":809.495,"sentiment":"neutral","sentiment_score":-0.10654235604618277}],"sentiment":"neutral","sentiment_score":-0.09265369952966769,"channel":0,"num_words":33,"start":798.71,"end":809.495},{"sentences":[{"text":"Yeah.","start":809.23004,"end":809.595,"sentiment":"neutral","sentiment_score":-0.07515646517276764}],"sentiment":"neutral","sentiment_score":-0.07515646517276764,"channel":1,"num_words":1,"start":809.23004,"end":809.595},{"sentences":[{"text":"percentage returns of each asset that you hold.","start":809.495,"end":812.395,"sentiment":"neutral","sentiment_score":-0.07349149836227298},{"text":"So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return,","start":814.135,"end":819.59503,"sentiment":"neutral","sentiment_score":-0.17031989308694997}],"sentiment":"neutral","sentiment_score":-0.14611279440578073,"channel":0,"num_words":32,"start":809.495,"end":819.59503},{"sentences":[{"text":"Yeah.","start":819.675,"end":819.995,"sentiment":"neutral","sentiment_score":-0.17445379495620728}],"sentiment":"neutral","sentiment_score":-0.17445379495620728,"channel":1,"num_words":1,"start":819.675,"end":819.995},{"sentences":[{"text":"and","start":819.895,"end":820.135,"sentiment":"neutral","sentiment_score":-0.1000119224190712}],"sentiment":"neutral","sentiment_score":-0.1000119224190712,"channel":0,"num_words":1,"start":819.895,"end":820.135},{"sentences":[{"text":"Yeah.","start":819.995,"end":820.495,"sentiment":"neutral","sentiment_score":-0.12952403724193573}],"sentiment":"neutral","sentiment_score":-0.12952403724193573,"channel":1,"num_words":1,"start":819.995,"end":820.495},{"sentences":[{"text":"the rest of them vary between 4% upwards of 80 or 90%.","start":820.135,"end":824.71,"sentiment":"neutral","sentiment_score":-0.11965517823894818}],"sentiment":"neutral","sentiment_score":-0.11965517823894818,"channel":0,"num_words":12,"start":820.135,"end":824.71},{"sentences":[{"text":"Yeah.","start":825.54,"end":826.04,"sentiment":"neutral","sentiment_score":-0.023821063339710236}],"sentiment":"neutral","sentiment_score":-0.023821063339710236,"channel":1,"num_words":1,"start":825.54,"end":826.04},{"sentences":[{"text":"K.","start":826.53,"end":826.77,"sentiment":"neutral","sentiment_score":-0.022786874324083328},{"text":"So that's all your different sectors and asset classes.","start":826.77,"end":830.07,"sentiment":"neutral","sentiment_score":0.006919632407112254},{"text":"So","start":830.29,"end":830.77,"sentiment":"neutral","sentiment_score":0.022575195878744125}],"sentiment":"neutral","sentiment_score":0.0056422739289700985,"channel":0,"num_words":11,"start":826.53,"end":830.77},{"sentences":[{"text":"Mhmm.","start":830.66,"end":831.16,"sentiment":"neutral","sentiment_score":0.041656412184238434}],"sentiment":"neutral","sentiment_score":0.041656412184238434,"channel":1,"num_words":1,"start":830.66,"end":831.16},{"sentences":[{"text":"Australian shares, gold, your battery tech and lithium was amazing.","start":830.77,"end":835.01,"sentiment":"positive","sentiment_score":0.36764927208423615},{"text":"That's kind of electric vehicles.","start":835.01,"end":836.87,"sentiment":"neutral","sentiment_score":0.2264534831047058},{"text":"That one","start":837.09,"end":837.57,"sentiment":"neutral","sentiment_score":0.05361021310091019}],"sentiment":"neutral","sentiment_score":0.28917532720986533,"channel":0,"num_words":17,"start":830.77,"end":837.57},{"sentences":[{"text":"Yep.","start":837.46,"end":837.735,"sentiment":"neutral","sentiment_score":0.04429445415735245}],"sentiment":"neutral","sentiment_score":0.04429445415735245,"channel":1,"num_words":1,"start":837.46,"end":837.735},{"sentences":[{"text":"had probably the biggest surge in the last twelve months, but your Australian","start":837.57,"end":841.805,"sentiment":"neutral","sentiment_score":-0.0001761368834055387}],"sentiment":"neutral","sentiment_score":-0.0001761368834055387,"channel":0,"num_words":13,"start":837.57,"end":841.805},{"sentences":[{"text":"Yeah.","start":841.415,"end":841.915,"sentiment":"neutral","sentiment_score":-0.10225487500429152}],"sentiment":"neutral","sentiment_score":-0.10225487500429152,"channel":1,"num_words":1,"start":841.415,"end":841.915},{"sentences":[{"text":"shares are a bit down at the moment as well.","start":841.805,"end":843.985,"sentiment":"neutral","sentiment_score":-0.23977071791887283}],"sentiment":"neutral","sentiment_score":-0.23977071791887283,"channel":0,"num_words":10,"start":841.805,"end":843.985},{"sentences":[{"text":"Yeah.","start":844.21497,"end":844.71497,"sentiment":"neutral","sentiment_score":-0.04131312668323517}],"sentiment":"neutral","sentiment_score":-0.04131312668323517,"channel":1,"num_words":1,"start":844.21497,"end":844.71497},{"sentences":[{"text":"K.","start":845.325,"end":845.645,"sentiment":"neutral","sentiment_score":-0.03371400386095047},{"text":"So what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance","start":845.645,"end":853.83,"sentiment":"neutral","sentiment_score":-0.026638053889785494}],"sentiment":"neutral","sentiment_score":-0.026882052164653253,"channel":0,"num_words":29,"start":845.325,"end":853.83},{"sentences":[{"text":"Mhmm.","start":853.51,"end":854.01,"sentiment":"neutral","sentiment_score":0.027309436351060867}],"sentiment":"neutral","sentiment_score":0.027309436351060867,"channel":1,"num_words":1,"start":853.51,"end":854.01},{"sentences":[{"text":"your investments, and then just keep your contributions going in to keep buying into those different assets.","start":853.89,"end":859.35004,"sentiment":"neutral","sentiment_score":0.037727161913233644}],"sentiment":"neutral","sentiment_score":0.037727161913233644,"channel":0,"num_words":17,"start":853.89,"end":859.35004},{"sentences":[{"text":"Okay.","start":859.91003,"end":860.41003,"sentiment":"neutral","sentiment_score":0.020069938153028488}],"sentiment":"neutral","sentiment_score":0.020069938153028488,"channel":1,"num_words":1,"start":859.91003,"end":860.41003},{"sentences":[{"text":"K?","start":860.93,"end":861.43,"sentiment":"neutral","sentiment_score":0.008364680223166943},{"text":"Any questions or concerns so far from what you can see and from what I've told you?","start":861.49,"end":865.875,"sentiment":"neutral","sentiment_score":-0.004314413800945177}],"sentiment":"neutral","sentiment_score":-0.0036100196884945035,"channel":0,"num_words":18,"start":860.93,"end":865.875},{"sentences":[{"text":"No.","start":866.425,"end":866.745,"sentiment":"neutral","sentiment_score":-0.0813465416431427},{"text":"It's okay.","start":866.745,"end":867.485,"sentiment":"neutral","sentiment_score":-0.029465368948876858}],"sentiment":"neutral","sentiment_score":-0.046759093180298805,"channel":1,"num_words":3,"start":866.425,"end":867.485},{"sentences":[{"text":"K?","start":868.355,"end":868.755,"sentiment":"neutral","sentiment_score":-0.02277872897684574},{"text":"I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market.","start":868.755,"end":879.735,"sentiment":"neutral","sentiment_score":-0.0580730393063277},{"text":"So","start":879.955,"end":880.435,"sentiment":"neutral","sentiment_score":0.01423562318086624}],"sentiment":"neutral","sentiment_score":-0.055511063763073513,"channel":0,"num_words":42,"start":868.355,"end":880.435},{"sentences":[{"text":"That's that","start":880.12,"end":880.6,"sentiment":"neutral","sentiment_score":0.02415443118661642}],"sentiment":"neutral","sentiment_score":0.02415443118661642,"channel":1,"num_words":2,"start":880.12,"end":880.6},{"sentences":[{"text":"it's,","start":880.435,"end":880.935,"sentiment":"neutral","sentiment_score":0.04536488279700279}],"sentiment":"neutral","sentiment_score":0.04536488279700279,"channel":0,"num_words":1,"start":880.435,"end":880.935},{"sentences":[{"text":"manage phone at the top.","start":880.6,"end":881.72003,"sentiment":"neutral","sentiment_score":0.04536190964281559},{"text":"Is it?","start":881.72003,"end":882.38,"sentiment":"neutral","sentiment_score":0.018395712133497}],"sentiment":"neutral","sentiment_score":0.037657281783010275,"channel":1,"num_words":7,"start":880.6,"end":882.38},{"sentences":[{"text":"yes.","start":882.62,"end":883.12,"sentiment":"neutral","sentiment_score":0.0325828492641449},{"text":"That been a long fund.","start":883.25995,"end":884.63995,"sentiment":"neutral","sentiment_score":0.028666383400559426},{"text":"It's","start":884.69995,"end":885.1,"sentiment":"neutral","sentiment_score":0.08367842435836792}],"sentiment":"neutral","sentiment_score":0.03708474151790142,"channel":0,"num_words":7,"start":882.62,"end":885.1},{"sentences":[{"text":"Yep.","start":884.92,"end":885.42,"sentiment":"neutral","sentiment_score":0.024102380499243736}],"sentiment":"neutral","sentiment_score":0.024102380499243736,"channel":1,"num_words":1,"start":884.92,"end":885.42},{"sentences":[{"text":"dropping a little bit quicker than the other options in the same space.","start":885.1,"end":888.24,"sentiment":"neutral","sentiment_score":-0.1264497654942366},{"text":"And if that","start":888.54,"end":889.18,"sentiment":"neutral","sentiment_score":-0.06570105503002803}],"sentiment":"neutral","sentiment_score":-0.11505938228219748,"channel":0,"num_words":16,"start":885.1,"end":889.18},{"sentences":[{"text":"Yep.","start":889.08,"end":889.365,"sentiment":"neutral","sentiment_score":-0.047665297985076904}],"sentiment":"neutral","sentiment_score":-0.047665297985076904,"channel":1,"num_words":1,"start":889.08,"end":889.365},{"sentences":[{"text":"doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them","start":889.18,"end":896.605,"sentiment":"neutral","sentiment_score":-0.08484321177005767}],"sentiment":"neutral","sentiment_score":-0.08484321177005767,"channel":0,"num_words":25,"start":889.18,"end":896.605},{"sentences":[{"text":"Mhmm.","start":896.245,"end":896.745,"sentiment":"neutral","sentiment_score":0.10892021656036376}],"sentiment":"neutral","sentiment_score":0.10892021656036376,"channel":1,"num_words":1,"start":896.245,"end":896.745},{"sentences":[{"text":"are all looking pretty good.","start":896.605,"end":897.90497,"sentiment":"neutral","sentiment_score":0.3051131308078766}],"sentiment":"neutral","sentiment_score":0.3051131308078766,"channel":0,"num_words":5,"start":896.605,"end":897.90497},{"sentences":[{"text":"Yep.","start":898.325,"end":898.825,"sentiment":"neutral","sentiment_score":-0.005947461351752281}],"sentiment":"neutral","sentiment_score":-0.005947461351752281,"channel":1,"num_words":1,"start":898.325,"end":898.825},{"sentences":[{"text":"K?","start":899.485,"end":899.985,"sentiment":"neutral","sentiment_score":-0.03292354568839073},{"text":"There's a couple there that had, like, a slight negative.","start":900.925,"end":903.165,"sentiment":"neutral","sentiment_score":-0.14317314475774764},{"text":"I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year.","start":903.165,"end":912.57996,"sentiment":"neutral","sentiment_score":0.04181913131227096},{"text":"So we call that kind of cyclical.","start":912.57996,"end":914.51996,"sentiment":"neutral","sentiment_score":0.022930138345275606},{"text":"Depends","start":914.89996,"end":915.38,"sentiment":"neutral","sentiment_score":0.01452214177697897}],"sentiment":"neutral","sentiment_score":0.0039248517121781,"channel":0,"num_words":55,"start":899.485,"end":915.38},{"sentences":[{"text":"Yeah.","start":915.35,"end":915.85,"sentiment":"neutral","sentiment_score":0.001225942745804787}],"sentiment":"neutral","sentiment_score":0.001225942745804787,"channel":1,"num_words":1,"start":915.35,"end":915.85},{"sentences":[{"text":"on what's going on in the world economy a little bit more than","start":915.38,"end":919.45996,"sentiment":"neutral","sentiment_score":-0.03196162171661854}],"sentiment":"neutral","sentiment_score":-0.03196162171661854,"channel":0,"num_words":13,"start":915.38,"end":919.45996},{"sentences":[{"text":"Mhmm.","start":919.43,"end":919.905,"sentiment":"neutral","sentiment_score":-0.01900261268019676}],"sentiment":"neutral","sentiment_score":-0.01900261268019676,"channel":1,"num_words":1,"start":919.43,"end":919.905},{"sentences":[{"text":"just following","start":919.45996,"end":920.18,"sentiment":"neutral","sentiment_score":-0.010016066953539848}],"sentiment":"neutral","sentiment_score":-0.010016066953539848,"channel":0,"num_words":2,"start":919.45996,"end":920.18},{"sentences":[{"text":"So,","start":919.905,"end":920.405,"sentiment":"neutral","sentiment_score":-0.020769506692886353}],"sentiment":"neutral","sentiment_score":-0.020769506692886353,"channel":1,"num_words":1,"start":919.905,"end":920.405},{"sentences":[{"text":"your country up and down.","start":920.18,"end":921.48,"sentiment":"neutral","sentiment_score":-0.05422199293971062}],"sentiment":"neutral","sentiment_score":-0.05422199293971062,"channel":0,"num_words":5,"start":920.18,"end":921.48},{"sentences":[{"text":"sorry.","start":923.66504,"end":924.145,"sentiment":"neutral","sentiment_score":-0.09003935009241104},{"text":"The incoming period, is that, like, is that, like, dividends from those shares or what?","start":924.145,"end":930.48505,"sentiment":"neutral","sentiment_score":-0.041678526376684503},{"text":"I'm","start":930.78503,"end":931.28503,"sentiment":"neutral","sentiment_score":0.03045688197016716}],"sentiment":"neutral","sentiment_score":-0.04028002139838303,"channel":1,"num_words":17,"start":923.66504,"end":931.28503},{"sentences":[{"text":"Yes.","start":931.175,"end":931.495,"sentiment":"neutral","sentiment_score":0.059151552617549896}],"sentiment":"neutral","sentiment_score":0.059151552617549896,"channel":0,"num_words":1,"start":931.175,"end":931.495},{"sentences":[{"text":"just","start":931.34503,"end":931.585,"sentiment":"neutral","sentiment_score":0.04376211762428284}],"sentiment":"neutral","sentiment_score":0.04376211762428284,"channel":1,"num_words":1,"start":931.34503,"end":931.585},{"sentences":[{"text":"Correct.","start":931.495,"end":931.995,"sentiment":"neutral","sentiment_score":0.06107380241155624}],"sentiment":"neutral","sentiment_score":0.06107380241155624,"channel":0,"num_words":1,"start":931.495,"end":931.995},{"sentences":[{"text":"trying to understand","start":931.585,"end":932.30505,"sentiment":"neutral","sentiment_score":0.005538022145628929}],"sentiment":"neutral","sentiment_score":0.005538022145628929,"channel":1,"num_words":3,"start":931.585,"end":932.30505},{"sentences":[{"text":"So","start":932.055,"end":932.295,"sentiment":"neutral","sentiment_score":-0.004817303270101547}],"sentiment":"neutral","sentiment_score":-0.004817303270101547,"channel":0,"num_words":1,"start":932.055,"end":932.295},{"sentences":[{"text":"the things at the top.","start":932.30505,"end":933.42,"sentiment":"neutral","sentiment_score":-0.00023326389491558076}],"sentiment":"neutral","sentiment_score":-0.00023326389491558076,"channel":1,"num_words":5,"start":932.30505,"end":933.42},{"sentences":[{"text":"yeah.","start":934.0,"end":934.24005,"sentiment":"neutral","sentiment_score":0.03225500136613846},{"text":"So in the the middle, there's a few different columns.","start":934.24005,"end":937.12006,"sentiment":"neutral","sentiment_score":0.026555935479700567},{"text":"You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes.","start":937.12006,"end":945.30005,"sentiment":"neutral","sentiment_score":0.026029341782514866},{"text":"But","start":945.68005,"end":946.0,"sentiment":"neutral","sentiment_score":0.028670670464634895}],"sentiment":"neutral","sentiment_score":0.026401260867714882,"channel":0,"num_words":38,"start":934.0,"end":946.0},{"sentences":[{"text":"Yeah.","start":945.98,"end":946.395,"sentiment":"neutral","sentiment_score":0.024190369993448257}],"sentiment":"neutral","sentiment_score":0.024190369993448257,"channel":1,"num_words":1,"start":945.98,"end":946.395},{"sentences":[{"text":"the two next to it, growth and income, that's your capital growth versus your dividends.","start":946.0,"end":951.125,"sentiment":"neutral","sentiment_score":0.02022646429638068}],"sentiment":"neutral","sentiment_score":0.02022646429638068,"channel":0,"num_words":15,"start":946.0,"end":951.125},{"sentences":[{"text":"Yep.","start":952.075,"end":952.47504,"sentiment":"neutral","sentiment_score":0.07979688048362732},{"text":"Okay.","start":952.47504,"end":952.97504,"sentiment":"neutral","sentiment_score":0.059726886451244354}],"sentiment":"neutral","sentiment_score":0.06976188346743584,"channel":1,"num_words":2,"start":952.075,"end":952.97504},{"sentences":[{"text":"So they kind of combine the two and go, okay.","start":953.265,"end":955.505,"sentiment":"neutral","sentiment_score":0.07261536195874214},{"text":"Total","start":955.505,"end":955.905,"sentiment":"neutral","sentiment_score":0.05934332683682442}],"sentiment":"neutral","sentiment_score":0.07140881331129507,"channel":0,"num_words":11,"start":953.265,"end":955.905},{"sentences":[{"text":"And","start":955.835,"end":956.23505,"sentiment":"neutral","sentiment_score":0.02756437286734581}],"sentiment":"neutral","sentiment_score":0.02756437286734581,"channel":1,"num_words":1,"start":955.835,"end":956.23505},{"sentences":[{"text":"earnings","start":955.905,"end":956.305,"sentiment":"neutral","sentiment_score":0.09839904308319092}],"sentiment":"neutral","sentiment_score":0.09839904308319092,"channel":0,"num_words":1,"start":955.905,"end":956.305},{"sentences":[{"text":"growth","start":956.23505,"end":956.555,"sentiment":"neutral","sentiment_score":0.07030027359724045}],"sentiment":"neutral","sentiment_score":0.07030027359724045,"channel":1,"num_words":1,"start":956.23505,"end":956.555},{"sentences":[{"text":"for that","start":956.305,"end":956.625,"sentiment":"neutral","sentiment_score":0.06620623916387558}],"sentiment":"neutral","sentiment_score":0.06620623916387558,"channel":0,"num_words":2,"start":956.305,"end":956.625},{"sentences":[{"text":"is","start":956.555,"end":956.715,"sentiment":"neutral","sentiment_score":0.04056357592344284}],"sentiment":"neutral","sentiment_score":0.04056357592344284,"channel":1,"num_words":1,"start":956.555,"end":956.715},{"sentences":[{"text":"investment.","start":956.625,"end":957.125,"sentiment":"neutral","sentiment_score":0.03288692981004715}],"sentiment":"neutral","sentiment_score":0.03288692981004715,"channel":0,"num_words":1,"start":956.625,"end":957.125},{"sentences":[{"text":"essentially just the is that with the start of the period to the end of the period with the market value?","start":956.715,"end":964.55005,"sentiment":"neutral","sentiment_score":0.029403255897618476}],"sentiment":"neutral","sentiment_score":0.029403255897618476,"channel":1,"num_words":21,"start":956.715,"end":964.55005},{"sentences":[{"text":"Yes.","start":965.12006,"end":965.36005,"sentiment":"neutral","sentiment_score":0.07688149064779282},{"text":"So the value of the underlying shares or assets, it's","start":965.36005,"end":969.04004,"sentiment":"neutral","sentiment_score":0.0735880721360445}],"sentiment":"neutral","sentiment_score":0.07388747381893071,"channel":0,"num_words":11,"start":965.12006,"end":969.04004},{"sentences":[{"text":"Yep.","start":968.85004,"end":969.35004,"sentiment":"neutral","sentiment_score":0.10120954364538191}],"sentiment":"neutral","sentiment_score":0.10120954364538191,"channel":1,"num_words":1,"start":968.85004,"end":969.35004},{"sentences":[{"text":"the the capital value of them.","start":969.04004,"end":970.48004,"sentiment":"neutral","sentiment_score":0.08638988062739372},{"text":"So if you bought Microsoft and it went","start":970.48004,"end":972.32,"sentiment":"neutral","sentiment_score":0.07587258564308286}],"sentiment":"neutral","sentiment_score":0.08037999777921609,"channel":0,"num_words":14,"start":969.04004,"end":972.32},{"sentences":[{"text":"Mhmm.","start":972.225,"end":972.725,"sentiment":"neutral","sentiment_score":0.0637238621711731}],"sentiment":"neutral","sentiment_score":0.0637238621711731,"channel":1,"num_words":1,"start":972.225,"end":972.725},{"sentences":[{"text":"up in value, that would be plugged in there as the dollar figure and the percentage.","start":972.32,"end":977.065,"sentiment":"neutral","sentiment_score":0.08531382470391691},{"text":"And then if it paid a dividend, that would be split separately and then merged together at the end for the total return.","start":977.365,"end":983.14496,"sentiment":"neutral","sentiment_score":0.0718790101616279}],"sentiment":"neutral","sentiment_score":0.077390728948208,"channel":0,"num_words":39,"start":972.32,"end":983.14496},{"sentences":[{"text":"Yeah.","start":983.58496,"end":983.82495,"sentiment":"neutral","sentiment_score":0.1508854180574417},{"text":"Sure.","start":983.82495,"end":984.32495,"sentiment":"neutral","sentiment_score":0.29980015754699707}],"sentiment":"neutral","sentiment_score":0.2253427878022194,"channel":1,"num_words":2,"start":983.58496,"end":984.32495},{"sentences":[{"text":"Cool.","start":985.605,"end":986.005,"sentiment":"positive","sentiment_score":0.405583530664444},{"text":"And you should see something pretty similar on your CommSec account.","start":986.005,"end":989.81,"sentiment":"neutral","sentiment_score":0.3189569792964242},{"text":"I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got,","start":989.81,"end":997.97,"sentiment":"neutral","sentiment_score":0.2707637918572272}],"sentiment":"neutral","sentiment_score":0.2862276244302129,"channel":0,"num_words":43,"start":985.605,"end":997.97},{"sentences":[{"text":"Right.","start":997.93,"end":998.01,"sentiment":"neutral","sentiment_score":0.15900439023971558}],"sentiment":"neutral","sentiment_score":0.15900439023971558,"channel":1,"num_words":1,"start":997.93,"end":998.01},{"sentences":[{"text":"like,","start":997.97,"end":998.13,"sentiment":"neutral","sentiment_score":0.1832208037376404}],"sentiment":"neutral","sentiment_score":0.1832208037376404,"channel":0,"num_words":1,"start":997.97,"end":998.13},{"sentences":[{"text":"Yep.","start":998.01,"end":998.415,"sentiment":"neutral","sentiment_score":0.24300697445869449}],"sentiment":"neutral","sentiment_score":0.24300697445869449,"channel":1,"num_words":1,"start":998.01,"end":998.415},{"sentences":[{"text":"a reinvestment plan and the the fluctuating unit values as well.","start":998.13,"end":1004.07495,"sentiment":"neutral","sentiment_score":0.2303703616965901}],"sentiment":"neutral","sentiment_score":0.2303703616965901,"channel":0,"num_words":11,"start":998.13,"end":1004.07495},{"sentences":[{"text":"Yep.","start":1004.33496,"end":1004.83496,"sentiment":"neutral","sentiment_score":0.10984568297863008}],"sentiment":"neutral","sentiment_score":0.10984568297863008,"channel":1,"num_words":1,"start":1004.33496,"end":1004.83496},{"sentences":[{"text":"K?","start":1005.735,"end":1006.235,"sentiment":"neutral","sentiment_score":0.06656567007303238},{"text":"So, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch.","start":1006.45496,"end":1015.355,"sentiment":"neutral","sentiment_score":0.04975171437537348},{"text":"All in all, though, I kind of like the spread that you've got in your super funds.","start":1015.735,"end":1020.08997,"sentiment":"positive","sentiment_score":0.35173844151637135},{"text":"You've got property, gold, Aussie shares international.","start":1020.08997,"end":1023.79,"sentiment":"neutral","sentiment_score":0.3244817171777998},{"text":"It's I guess the buzzword is diversification, but","start":1024.09,"end":1027.95,"sentiment":"neutral","sentiment_score":0.18952974863350391}],"sentiment":"neutral","sentiment_score":0.16677918024361132,"channel":0,"num_words":70,"start":1005.735,"end":1027.95},{"sentences":[{"text":"Yep.","start":1027.875,"end":1028.375,"sentiment":"neutral","sentiment_score":0.13846564292907715}],"sentiment":"neutral","sentiment_score":0.13846564292907715,"channel":1,"num_words":1,"start":1027.875,"end":1028.375},{"sentences":[{"text":"there's no areas there that I think that you're lacking.","start":1028.01,"end":1030.4299,"sentiment":"neutral","sentiment_score":-0.2149823690764606}],"sentiment":"neutral","sentiment_score":-0.2149823690764606,"channel":0,"num_words":10,"start":1028.01,"end":1030.4299},{"sentences":[{"text":"Yep.","start":1031.155,"end":1031.655,"sentiment":"neutral","sentiment_score":0.07934946566820145}],"sentiment":"neutral","sentiment_score":0.07934946566820145,"channel":1,"num_words":1,"start":1031.155,"end":1031.655},{"sentences":[{"text":"K?","start":1032.595,"end":1033.095,"sentiment":"neutral","sentiment_score":0.054428648203611374},{"text":"Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return?","start":1033.395,"end":1045.875,"sentiment":"neutral","sentiment_score":0.14122492011363913},{"text":"Do you have, like, a bit of a gut feeling between the two?","start":1045.875,"end":1048.3,"sentiment":"neutral","sentiment_score":0.01169907244352194}],"sentiment":"neutral","sentiment_score":0.10903160572052002,"channel":0,"num_words":55,"start":1032.595,"end":1048.3},{"sentences":[{"text":"I think at the moment, I've just lent more towards the low fees just because yeah.","start":1048.61,"end":1054.215,"sentiment":"neutral","sentiment_score":0.1061124661937356},{"text":"I feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with.","start":1054.215,"end":1068.4,"sentiment":"neutral","sentiment_score":0.2484468367571632}],"sentiment":"neutral","sentiment_score":0.2128632441163063,"channel":1,"num_words":64,"start":1048.61,"end":1068.4},{"sentences":[{"text":"Yeah.","start":1069.015,"end":1069.3351,"sentiment":"neutral","sentiment_score":0.3142547011375427},{"text":"Absolutely.","start":1069.3351,"end":1069.8351,"sentiment":"positive","sentiment_score":0.4343041777610779},{"text":"And we can do we've pretty much got a similar approach with the super.","start":1069.895,"end":1073.515,"sentiment":"positive","sentiment_score":0.38100757556302206},{"text":"All of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard.","start":1073.8,"end":1078.38,"sentiment":"neutral","sentiment_score":0.29593757457203335},{"text":"The managed","start":1078.76,"end":1079.48,"sentiment":"neutral","sentiment_score":0.23954379558563232}],"sentiment":"neutral","sentiment_score":0.3302396908402443,"channel":0,"num_words":36,"start":1069.015,"end":1079.48},{"sentences":[{"text":"Mhmm.","start":1079.1799,"end":1079.625,"sentiment":"neutral","sentiment_score":0.2386665642261505}],"sentiment":"neutral","sentiment_score":0.2386665642261505,"channel":1,"num_words":1,"start":1079.1799,"end":1079.625},{"sentences":[{"text":"fund at the top is the one that's kind of supposed to be outperforming based on the","start":1079.48,"end":1083.8,"sentiment":"positive","sentiment_score":0.34560807399890003}],"sentiment":"positive","sentiment_score":0.34560807399890003,"channel":0,"num_words":17,"start":1079.48,"end":1083.8},{"sentences":[{"text":"Yep.","start":1083.785,"end":1084.285,"sentiment":"neutral","sentiment_score":0.22261053323745728}],"sentiment":"neutral","sentiment_score":0.22261053323745728,"channel":1,"num_words":1,"start":1083.785,"end":1084.285},{"sentences":[{"text":"phase that it's charging.","start":1083.8,"end":1084.9401,"sentiment":"neutral","sentiment_score":0.22820105776190758},{"text":"So that's","start":1085.16,"end":1085.72,"sentiment":"neutral","sentiment_score":0.23008882999420166}],"sentiment":"neutral","sentiment_score":0.22883031517267227,"channel":0,"num_words":6,"start":1083.8,"end":1085.72},{"sentences":[{"text":"Yep.","start":1085.705,"end":1086.205,"sentiment":"neutral","sentiment_score":0.1906059980392456}],"sentiment":"neutral","sentiment_score":0.1906059980392456,"channel":1,"num_words":1,"start":1085.705,"end":1086.205},{"sentences":[{"text":"one where I would kind of look at a bit of an index fund replacement, pretty","start":1085.72,"end":1090.495,"sentiment":"neutral","sentiment_score":0.14269242575392127}],"sentiment":"neutral","sentiment_score":0.14269242575392127,"channel":0,"num_words":16,"start":1085.72,"end":1090.495},{"sentences":[{"text":"Mhmm.","start":1090.425,"end":1090.925,"sentiment":"neutral","sentiment_score":0.09702146053314208}],"sentiment":"neutral","sentiment_score":0.09702146053314208,"channel":1,"num_words":1,"start":1090.425,"end":1090.925},{"sentences":[{"text":"similar to the one that you would already have in your CommSec, the a 200.","start":1090.495,"end":1094.2749,"sentiment":"neutral","sentiment_score":0.11992586652437846}],"sentiment":"neutral","sentiment_score":0.11992586652437846,"channel":0,"num_words":15,"start":1090.495,"end":1094.2749},{"sentences":[{"text":"Yeah.","start":1094.0,"end":1094.5,"sentiment":"neutral","sentiment_score":0.0988517701625824},{"text":"Yeah.","start":1095.6799,"end":1096.0,"sentiment":"neutral","sentiment_score":0.08602449297904968},{"text":"Okay.","start":1096.0,"end":1096.5,"sentiment":"neutral","sentiment_score":0.06648489087820053}],"sentiment":"neutral","sentiment_score":0.0837870513399442,"channel":1,"num_words":3,"start":1094.0,"end":1096.5},{"sentences":[{"text":"K?","start":1096.8949,"end":1097.215,"sentiment":"neutral","sentiment_score":0.0492338091135025},{"text":"Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months?","start":1097.215,"end":1107.97,"sentiment":"neutral","sentiment_score":0.04634641423680872}],"sentiment":"neutral","sentiment_score":0.04639988451230305,"channel":0,"num_words":54,"start":1096.8949,"end":1107.97},{"sentences":[{"text":"Sorry.","start":1111.775,"end":1112.275,"sentiment":"neutral","sentiment_score":-0.08720593899488449},{"text":"Whether to switch it out now or leave it to receive the changes.","start":1112.335,"end":1116.6749,"sentiment":"neutral","sentiment_score":-0.0883981533921682},{"text":"Sorry.","start":1117.2949,"end":1117.5349,"sentiment":"neutral","sentiment_score":-0.030093589797616005}],"sentiment":"neutral","sentiment_score":-0.0844317015260458,"channel":1,"num_words":15,"start":1111.775,"end":1117.5349},{"sentences":[{"text":"Yes.","start":1117.405,"end":1117.725,"sentiment":"neutral","sentiment_score":0.017072398215532303}],"sentiment":"neutral","sentiment_score":0.017072398215532303,"channel":0,"num_words":1,"start":1117.405,"end":1117.725},{"sentences":[{"text":"Is that","start":1117.5349,"end":1117.775,"sentiment":"neutral","sentiment_score":0.009220934472978115}],"sentiment":"neutral","sentiment_score":0.009220934472978115,"channel":1,"num_words":2,"start":1117.5349,"end":1117.775},{"sentences":[{"text":"That's","start":1117.725,"end":1118.045,"sentiment":"neutral","sentiment_score":-0.00953441858291626}],"sentiment":"neutral","sentiment_score":-0.00953441858291626,"channel":0,"num_words":1,"start":1117.725,"end":1118.045},{"sentences":[{"text":"what you're asking","start":1117.775,"end":1118.495,"sentiment":"neutral","sentiment_score":-0.026618950068950653}],"sentiment":"neutral","sentiment_score":-0.026618950068950653,"channel":1,"num_words":3,"start":1117.775,"end":1118.495},{"sentences":[{"text":"right.","start":1118.045,"end":1118.545,"sentiment":"neutral","sentiment_score":-0.01801469177007675}],"sentiment":"neutral","sentiment_score":-0.01801469177007675,"channel":0,"num_words":1,"start":1118.045,"end":1118.545},{"sentences":[{"text":"me?","start":1118.495,"end":1118.815,"sentiment":"neutral","sentiment_score":-0.03567856550216675},{"text":"Sorry.","start":1118.815,"end":1119.315,"sentiment":"neutral","sentiment_score":-0.053406473249197006}],"sentiment":"neutral","sentiment_score":-0.04454251937568188,"channel":1,"num_words":2,"start":1118.495,"end":1119.315},{"sentences":[{"text":"Yep.","start":1119.085,"end":1119.585,"sentiment":"neutral","sentiment_score":0.014422627165913582},{"text":"Absolutely.","start":1119.725,"end":1120.225,"sentiment":"neutral","sentiment_score":0.07304997742176056}],"sentiment":"neutral","sentiment_score":0.04373630229383707,"channel":0,"num_words":2,"start":1119.085,"end":1120.225},{"sentences":[{"text":"I've spent I'm in kindergarten teacher.","start":1119.8201,"end":1122.3201,"sentiment":"neutral","sentiment_score":-0.008899833541363478}],"sentiment":"neutral","sentiment_score":-0.008899833541363478,"channel":1,"num_words":6,"start":1119.8201,"end":1122.3201},{"sentences":[{"text":"No.","start":1123.485,"end":1123.985,"sentiment":"neutral","sentiment_score":-0.2947220802307129}],"sentiment":"neutral","sentiment_score":-0.2947220802307129,"channel":0,"num_words":1,"start":1123.485,"end":1123.985},{"sentences":[{"text":"I it's been a long day.","start":1123.98,"end":1125.6,"sentiment":"neutral","sentiment_score":-0.28282247732083005},{"text":"Yeah.","start":1127.18,"end":1127.5,"sentiment":"neutral","sentiment_score":-0.05184251442551613},{"text":"Okay.","start":1127.5,"end":1128.0,"sentiment":"neutral","sentiment_score":-0.0342247374355793},{"text":"I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest.","start":1129.66,"end":1133.845,"sentiment":"positive","sentiment_score":0.4799798937404857},{"text":"I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon.","start":1133.845,"end":1142.505,"sentiment":"neutral","sentiment_score":-0.27722090561138957}],"sentiment":"neutral","sentiment_score":0.025214974345131355,"channel":1,"num_words":44,"start":1123.98,"end":1142.505},{"sentences":[{"text":"So","start":1142.5651,"end":1143.0651,"sentiment":"neutral","sentiment_score":-0.07750558853149414}],"sentiment":"neutral","sentiment_score":-0.07750558853149414,"channel":1,"num_words":1,"start":1142.5651,"end":1143.0651},{"sentences":[{"text":"Yeah.","start":1143.275,"end":1143.775,"sentiment":"neutral","sentiment_score":-0.036133814603090286}],"sentiment":"neutral","sentiment_score":-0.036133814603090286,"channel":0,"num_words":1,"start":1143.275,"end":1143.775},{"sentences":[{"text":"I'm I'm not super concerned if things are not, you know, doing super well.","start":1143.525,"end":1151.02,"sentiment":"neutral","sentiment_score":-0.12986981150295054},{"text":"Like, some of it's not doing super well at the moment.","start":1151.72,"end":1153.96,"sentiment":"neutral","sentiment_score":-0.20789797807281668},{"text":"If it's something to wait out or if it's just like yeah.","start":1153.96,"end":1157.48,"sentiment":"neutral","sentiment_score":-0.11416641281296809},{"text":"I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch.","start":1157.48,"end":1162.155,"sentiment":"positive","sentiment_score":0.43485178500413896},{"text":"But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well.","start":1162.155,"end":1168.335,"sentiment":"neutral","sentiment_score":0.2448130649599162}],"sentiment":"neutral","sentiment_score":0.10896039310889909,"channel":1,"num_words":79,"start":1143.525,"end":1168.335},{"sentences":[{"text":"Yep.","start":1168.665,"end":1168.9851,"sentiment":"neutral","sentiment_score":0.3228195905685425},{"text":"That's pretty reasonable.","start":1168.9851,"end":1170.045,"sentiment":"positive","sentiment_score":0.5330468416213989},{"text":"And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy","start":1170.1051,"end":1185.82,"sentiment":"neutral","sentiment_score":0.2682035247484843}],"sentiment":"neutral","sentiment_score":0.2814714312553406,"channel":0,"num_words":64,"start":1168.665,"end":1185.82},{"sentences":[{"text":"Yeah.","start":1185.53,"end":1185.735,"sentiment":"neutral","sentiment_score":0.23256786167621613}],"sentiment":"neutral","sentiment_score":0.23256786167621613,"channel":1,"num_words":1,"start":1185.53,"end":1185.735},{"sentences":[{"text":"to do that.","start":1185.82,"end":1186.64,"sentiment":"neutral","sentiment_score":0.18416153391202292},{"text":"The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I","start":1187.02,"end":1193.0951,"sentiment":"neutral","sentiment_score":0.12298660809617667}],"sentiment":"neutral","sentiment_score":0.13063347382315746,"channel":0,"num_words":24,"start":1185.82,"end":1193.0951},{"sentences":[{"text":"Yeah.","start":1193.095,"end":1193.415,"sentiment":"neutral","sentiment_score":0.015467539429664612}],"sentiment":"neutral","sentiment_score":0.015467539429664612,"channel":1,"num_words":1,"start":1193.095,"end":1193.415},{"sentences":[{"text":"don't","start":1193.0951,"end":1193.415,"sentiment":"neutral","sentiment_score":-0.025817399844527245}],"sentiment":"neutral","sentiment_score":-0.025817399844527245,"channel":0,"num_words":1,"start":1193.0951,"end":1193.415},{"sentences":[{"text":"Yeah.","start":1193.415,"end":1193.915,"sentiment":"neutral","sentiment_score":-0.03853500261902809}],"sentiment":"neutral","sentiment_score":-0.03853500261902809,"channel":1,"num_words":1,"start":1193.415,"end":1193.915},{"sentences":[{"text":"usually play with it too much","start":1193.415,"end":1195.1151,"sentiment":"neutral","sentiment_score":-0.04501032643020153}],"sentiment":"neutral","sentiment_score":-0.04501032643020153,"channel":0,"num_words":6,"start":1193.415,"end":1195.1151},{"sentences":[{"text":"Yeah.","start":1195.245,"end":1195.495,"sentiment":"neutral","sentiment_score":0.01106972061097622}],"sentiment":"neutral","sentiment_score":0.01106972061097622,"channel":1,"num_words":1,"start":1195.245,"end":1195.495},{"sentences":[{"text":"every","start":1195.255,"end":1195.655,"sentiment":"neutral","sentiment_score":0.015291573479771614}],"sentiment":"neutral","sentiment_score":0.015291573479771614,"channel":0,"num_words":1,"start":1195.255,"end":1195.655},{"sentences":[{"text":"Yeah.","start":1195.495,"end":1195.995,"sentiment":"neutral","sentiment_score":0.03625606745481491}],"sentiment":"neutral","sentiment_score":0.03625606745481491,"channel":1,"num_words":1,"start":1195.495,"end":1195.995},{"sentences":[{"text":"couple of months.","start":1195.655,"end":1196.635,"sentiment":"neutral","sentiment_score":0.023284464453657467},{"text":"But if you had three options that run the performing, we would do a full rebalance.","start":1196.775,"end":1200.3151,"sentiment":"neutral","sentiment_score":0.06029387703165412}],"sentiment":"neutral","sentiment_score":0.05445028557197044,"channel":0,"num_words":19,"start":1195.655,"end":1200.3151},{"sentences":[{"text":"Yeah.","start":1201.095,"end":1201.595,"sentiment":"neutral","sentiment_score":0.1732063889503479}],"sentiment":"neutral","sentiment_score":0.1732063889503479,"channel":1,"num_words":1,"start":1201.095,"end":1201.595},{"sentences":[{"text":"So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update,","start":1202.4551,"end":1207.915,"sentiment":"neutral","sentiment_score":0.2702743357845715}],"sentiment":"neutral","sentiment_score":0.2702743357845715,"channel":0,"num_words":28,"start":1202.4551,"end":1207.915},{"sentences":[{"text":"Sure.","start":1207.97,"end":1208.4501,"sentiment":"neutral","sentiment_score":0.26825276017189026}],"sentiment":"neutral","sentiment_score":0.26825276017189026,"channel":1,"num_words":1,"start":1207.97,"end":1208.4501},{"sentences":[{"text":"and","start":1208.3099,"end":1208.8099,"sentiment":"neutral","sentiment_score":0.205447718501091}],"sentiment":"neutral","sentiment_score":0.205447718501091,"channel":0,"num_words":1,"start":1208.3099,"end":1208.8099},{"sentences":[{"text":"Sure.","start":1208.4501,"end":1208.9501,"sentiment":"neutral","sentiment_score":0.2411413341760635}],"sentiment":"neutral","sentiment_score":0.2411413341760635,"channel":1,"num_words":1,"start":1208.4501,"end":1208.9501},{"sentences":[{"text":"I'll pretty much have the research pre prepared for you as well.","start":1208.87,"end":1212.0099,"sentiment":"neutral","sentiment_score":0.2516911079486211}],"sentiment":"neutral","sentiment_score":0.2516911079486211,"channel":0,"num_words":12,"start":1208.87,"end":1212.0099},{"sentences":[{"text":"Right.","start":1212.37,"end":1212.87,"sentiment":"neutral","sentiment_score":0.0825585350394249}],"sentiment":"neutral","sentiment_score":0.0825585350394249,"channel":1,"num_words":1,"start":1212.37,"end":1212.87},{"sentences":[{"text":"K?","start":1214.23,"end":1214.71,"sentiment":"neutral","sentiment_score":0.03794466331601143},{"text":"Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put","start":1214.71,"end":1222.6649,"sentiment":"neutral","sentiment_score":0.052918769884854555}],"sentiment":"neutral","sentiment_score":0.05231980562210083,"channel":0,"num_words":25,"start":1214.23,"end":1222.6649},{"sentences":[{"text":"Yep.","start":1222.625,"end":1223.125,"sentiment":"neutral","sentiment_score":0.01610414683818817}],"sentiment":"neutral","sentiment_score":0.01610414683818817,"channel":1,"num_words":1,"start":1222.625,"end":1223.125},{"sentences":[{"text":"a lot of your surplus into, like, an offset account or anything like that?","start":1222.6649,"end":1226.245,"sentiment":"neutral","sentiment_score":-0.026051225805921212}],"sentiment":"neutral","sentiment_score":-0.026051225805921212,"channel":0,"num_words":14,"start":1222.6649,"end":1226.245},{"sentences":[{"text":"Yeah.","start":1226.305,"end":1226.625,"sentiment":"neutral","sentiment_score":0.012025071308016775},{"text":"We've got an offset at the moment.","start":1226.625,"end":1228.37,"sentiment":"neutral","sentiment_score":-0.04648216920239585},{"text":"Yeah.","start":1229.9501,"end":1230.27,"sentiment":"neutral","sentiment_score":-0.031846921890974045},{"text":"Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there.","start":1230.27,"end":1235.17,"sentiment":"neutral","sentiment_score":-0.15826054560867223},{"text":"But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending.","start":1237.55,"end":1244.2649,"sentiment":"neutral","sentiment_score":0.027419844204012084}],"sentiment":"neutral","sentiment_score":-0.07001649347754817,"channel":1,"num_words":48,"start":1226.305,"end":1244.2649},{"sentences":[{"text":"I I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages.","start":1244.2649,"end":1256.325,"sentiment":"neutral","sentiment_score":0.03183489832549523}],"sentiment":"neutral","sentiment_score":0.03183489832549523,"channel":1,"num_words":39,"start":1244.2649,"end":1256.325},{"sentences":[{"text":"Yeah.","start":1257.135,"end":1257.635,"sentiment":"neutral","sentiment_score":0.06420019268989563}],"sentiment":"neutral","sentiment_score":0.06420019268989563,"channel":0,"num_words":1,"start":1257.135,"end":1257.635},{"sentences":[{"text":"And then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well.","start":1257.39,"end":1264.4501,"sentiment":"neutral","sentiment_score":0.10047621140256524}],"sentiment":"neutral","sentiment_score":0.10047621140256524,"channel":1,"num_words":24,"start":1257.39,"end":1264.4501},{"sentences":[{"text":"So, Mohan, what what bank you with at the moment?","start":1265.07,"end":1268.13,"sentiment":"neutral","sentiment_score":0.01643775627017021}],"sentiment":"neutral","sentiment_score":0.01643775627017021,"channel":0,"num_words":10,"start":1265.07,"end":1268.13},{"sentences":[{"text":"I've got a couple of different ones.","start":1268.865,"end":1270.3049,"sentiment":"neutral","sentiment_score":0.010978544397013528},{"text":"So I've got an ING, a UBank, and a com ComBank as well.","start":1270.3049,"end":1276.625,"sentiment":"neutral","sentiment_score":0.042046114802360535},{"text":"So I've","start":1276.625,"end":1277.025,"sentiment":"neutral","sentiment_score":0.02317508403211832}],"sentiment":"neutral","sentiment_score":0.030445430512455376,"channel":1,"num_words":22,"start":1268.865,"end":1277.025},{"sentences":[{"text":"Yeah.","start":1276.925,"end":1277.325,"sentiment":"neutral","sentiment_score":0.031904738396406174}],"sentiment":"neutral","sentiment_score":0.031904738396406174,"channel":0,"num_words":1,"start":1276.925,"end":1277.325},{"sentences":[{"text":"been kind","start":1277.025,"end":1277.425,"sentiment":"neutral","sentiment_score":0.049611104652285576}],"sentiment":"neutral","sentiment_score":0.049611104652285576,"channel":1,"num_words":2,"start":1277.025,"end":1277.425},{"sentences":[{"text":"Wow.","start":1277.325,"end":1277.645,"sentiment":"neutral","sentiment_score":0.14052152633666992}],"sentiment":"neutral","sentiment_score":0.14052152633666992,"channel":0,"num_words":1,"start":1277.325,"end":1277.645},{"sentences":[{"text":"of using","start":1277.425,"end":1277.905,"sentiment":"neutral","sentiment_score":0.06437429413199425}],"sentiment":"neutral","sentiment_score":0.06437429413199425,"channel":1,"num_words":2,"start":1277.425,"end":1277.905},{"sentences":[{"text":"Okay.","start":1277.645,"end":1278.145,"sentiment":"neutral","sentiment_score":0.1512783020734787}],"sentiment":"neutral","sentiment_score":0.1512783020734787,"channel":0,"num_words":1,"start":1277.645,"end":1278.145},{"sentences":[{"text":"my UBank for I like with UBank.","start":1277.905,"end":1281.1849,"sentiment":"neutral","sentiment_score":0.2696687025683267},{"text":"They've got, like, a little savings target, so I feel like the interest is","start":1281.1849,"end":1286.1266,"sentiment":"neutral","sentiment_score":0.2696687600442341}],"sentiment":"neutral","sentiment_score":0.26966874088559833,"channel":1,"num_words":21,"start":1277.905,"end":1286.1266},{"sentences":[{"text":"Yes.","start":1286.06,"end":1286.56,"sentiment":"positive","sentiment_score":0.3721877932548523}],"sentiment":"positive","sentiment_score":0.3721877932548523,"channel":0,"num_words":1,"start":1286.06,"end":1286.56},{"sentences":[{"text":"really good with UBank.","start":1286.1266,"end":1286.98,"sentiment":"positive","sentiment_score":0.5722593367099762},{"text":"So I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple.","start":1286.98,"end":1293.08,"sentiment":"neutral","sentiment_score":0.22568458318710327},{"text":"And, yeah, I I don't know.","start":1295.38,"end":1296.2999,"sentiment":"neutral","sentiment_score":-0.01891363225877285},{"text":"I guess I like with UBank.","start":1296.2999,"end":1297.96,"sentiment":"neutral","sentiment_score":0.1160353235900402},{"text":"I've got kind of my buckets in there, and I know not to touch it.","start":1298.1,"end":1301.885,"sentiment":"neutral","sentiment_score":0.02560068964958191}],"sentiment":"neutral","sentiment_score":0.1564170972754558,"channel":1,"num_words":54,"start":1286.1266,"end":1301.885},{"sentences":[{"text":"Whereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that.","start":1301.885,"end":1308.045,"sentiment":"neutral","sentiment_score":-0.021700706980798557},{"text":"So I feel like the money isn't necessarily not being spent.","start":1308.045,"end":1312.865,"sentiment":"neutral","sentiment_score":-0.0679789503866976},{"text":"I feel like our offset is not as sacred as it should be.","start":1313.13,"end":1315.9501,"sentiment":"neutral","sentiment_score":-0.11954351342641391}],"sentiment":"neutral","sentiment_score":-0.05959468913522172,"channel":1,"num_words":47,"start":1301.885,"end":1315.9501},{"sentences":[{"text":"Yeah.","start":1316.17,"end":1316.49,"sentiment":"neutral","sentiment_score":0.033198773860931396},{"text":"It's just too accessible, too easy to transfer","start":1316.49,"end":1319.15,"sentiment":"neutral","sentiment_score":0.043941760901361704}],"sentiment":"neutral","sentiment_score":0.04274809567464723,"channel":0,"num_words":9,"start":1316.17,"end":1319.15},{"sentences":[{"text":"Yeah.","start":1318.81,"end":1319.31,"sentiment":"neutral","sentiment_score":0.002779873088002205}],"sentiment":"neutral","sentiment_score":0.002779873088002205,"channel":1,"num_words":1,"start":1318.81,"end":1319.31},{"sentences":[{"text":"between accounts and swipe a card, isn't it?","start":1319.29,"end":1321.905,"sentiment":"neutral","sentiment_score":-0.00483515951782465}],"sentiment":"neutral","sentiment_score":-0.00483515951782465,"channel":0,"num_words":8,"start":1319.29,"end":1321.905},{"sentences":[{"text":"Yeah.","start":1322.17,"end":1322.67,"sentiment":"neutral","sentiment_score":-0.0003515053540468216},{"text":"So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across.","start":1322.81,"end":1329.925,"sentiment":"neutral","sentiment_score":0.006180193991615222},{"text":"But I've found that, like, when we run out of money, then we just transfer more across from the offset.","start":1330.0651,"end":1334.225,"sentiment":"neutral","sentiment_score":-0.20215160958468914},{"text":"So it's yeah.","start":1334.225,"end":1338.5651,"sentiment":"neutral","sentiment_score":-0.111184261739254},{"text":"I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent.","start":1338.625,"end":1347.86,"sentiment":"negative","sentiment_score":-0.4813629763741647}],"sentiment":"neutral","sentiment_score":-0.2362778235318852,"channel":1,"num_words":81,"start":1322.17,"end":1347.86},{"sentences":[{"text":"You know what?","start":1349.055,"end":1349.535,"sentiment":"neutral","sentiment_score":-0.1689510295788447},{"text":"That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not.","start":1349.535,"end":1358.035,"sentiment":"neutral","sentiment_score":-0.1780479629834493},{"text":"And,","start":1358.3099,"end":1358.8099,"sentiment":"neutral","sentiment_score":-0.055864378809928894}],"sentiment":"neutral","sentiment_score":-0.1736516575602924,"channel":0,"num_words":34,"start":1349.055,"end":1358.8099},{"sentences":[{"text":"Yeah.","start":1358.5751,"end":1359.0751,"sentiment":"neutral","sentiment_score":-0.03477446734905243}],"sentiment":"neutral","sentiment_score":-0.03477446734905243,"channel":1,"num_words":1,"start":1358.5751,"end":1359.0751},{"sentences":[{"text":"really, it's just recognizing the behavioral side of things that if it's there, it's too easy to","start":1358.95,"end":1363.35,"sentiment":"neutral","sentiment_score":0.019156554823412615}],"sentiment":"neutral","sentiment_score":0.019156554823412615,"channel":0,"num_words":17,"start":1358.95,"end":1363.35},{"sentences":[{"text":"Yeah.","start":1363.295,"end":1363.795,"sentiment":"neutral","sentiment_score":0.03938744217157364}],"sentiment":"neutral","sentiment_score":0.03938744217157364,"channel":1,"num_words":1,"start":1363.295,"end":1363.795},{"sentences":[{"text":"touch.","start":1363.35,"end":1363.75,"sentiment":"neutral","sentiment_score":0.011706162244081495},{"text":"So some clients even go back to using a regrow facility because it's harder","start":1363.75,"end":1369.35,"sentiment":"neutral","sentiment_score":0.05767490608351571}],"sentiment":"neutral","sentiment_score":0.054610323160886765,"channel":0,"num_words":15,"start":1363.35,"end":1369.35},{"sentences":[{"text":"Yeah.","start":1369.31,"end":1369.81,"sentiment":"neutral","sentiment_score":0.09973065555095673}],"sentiment":"neutral","sentiment_score":0.09973065555095673,"channel":1,"num_words":1,"start":1369.31,"end":1369.81},{"sentences":[{"text":"to access.","start":1369.35,"end":1370.09,"sentiment":"neutral","sentiment_score":0.08981429412961006},{"text":"But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction?","start":1370.325,"end":1381.605,"sentiment":"neutral","sentiment_score":0.2598981417475208},{"text":"Do you know what I mean?","start":1381.605,"end":1382.745,"sentiment":"neutral","sentiment_score":0.015622582597037157}],"sentiment":"neutral","sentiment_score":0.21359503789780995,"channel":0,"num_words":39,"start":1369.35,"end":1382.745},{"sentences":[{"text":"Yeah.","start":1382.525,"end":1383.025,"sentiment":"neutral","sentiment_score":0.06655209511518478},{"text":"Yeah.","start":1383.165,"end":1383.5651,"sentiment":"neutral","sentiment_score":0.08022310584783554},{"text":"I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment.","start":1383.5651,"end":1388.2251,"sentiment":"neutral","sentiment_score":0.035478068025488606},{"text":"You know, I've got on my list","start":1389.4851,"end":1390.8651,"sentiment":"neutral","sentiment_score":0.051027490092175345}],"sentiment":"neutral","sentiment_score":0.04207324728901897,"channel":1,"num_words":28,"start":1382.525,"end":1390.8651},{"sentences":[{"text":"To be honest,","start":1390.45,"end":1391.09,"sentiment":"neutral","sentiment_score":0.06736421585083008}],"sentiment":"neutral","sentiment_score":0.06736421585083008,"channel":0,"num_words":3,"start":1390.45,"end":1391.09},{"sentences":[{"text":"of","start":1390.89,"end":1391.13,"sentiment":"neutral","sentiment_score":0.11869554966688156}],"sentiment":"neutral","sentiment_score":0.11869554966688156,"channel":1,"num_words":1,"start":1390.89,"end":1391.13},{"sentences":[{"text":"Simone","start":1391.09,"end":1391.57,"sentiment":"neutral","sentiment_score":0.1100737527012825}],"sentiment":"neutral","sentiment_score":0.1100737527012825,"channel":0,"num_words":1,"start":1391.09,"end":1391.57},{"sentences":[{"text":"things to be more financially literate.","start":1391.13,"end":1393.23,"sentiment":"neutral","sentiment_score":0.10892899210254352}],"sentiment":"neutral","sentiment_score":0.10892899210254352,"channel":1,"num_words":6,"start":1391.13,"end":1393.23},{"sentences":[{"text":"yeah.","start":1393.89,"end":1394.21,"sentiment":"neutral","sentiment_score":-0.005831025540828705},{"text":"But that takes so much it takes time.","start":1394.21,"end":1396.13,"sentiment":"neutral","sentiment_score":-0.06643958762288094},{"text":"It takes practice.","start":1396.13,"end":1397.01,"sentiment":"neutral","sentiment_score":-0.037946304927269615},{"text":"It takes revisiting it regularly.","start":1397.01,"end":1399.535,"sentiment":"neutral","sentiment_score":-0.0004804752767086029}],"sentiment":"neutral","sentiment_score":-0.03844641280524871,"channel":0,"num_words":17,"start":1393.89,"end":1399.535},{"sentences":[{"text":"Yeah.","start":1399.37,"end":1399.87,"sentiment":"neutral","sentiment_score":0.152053102850914}],"sentiment":"neutral","sentiment_score":0.152053102850914,"channel":1,"num_words":1,"start":1399.37,"end":1399.87},{"sentences":[{"text":"And if you find that putting into a savings account works for you, like, absolutely go for it.","start":1399.755,"end":1404.3151,"sentiment":"neutral","sentiment_score":0.2842070046398375},{"text":"It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that","start":1404.3151,"end":1412.65,"sentiment":"neutral","sentiment_score":0.05964585876575223}],"sentiment":"neutral","sentiment_score":0.14947031711538633,"channel":0,"num_words":45,"start":1399.755,"end":1412.65},{"sentences":[{"text":"Yeah.","start":1412.465,"end":1412.965,"sentiment":"neutral","sentiment_score":-0.05956305563449859}],"sentiment":"neutral","sentiment_score":-0.05956305563449859,"channel":1,"num_words":1,"start":1412.465,"end":1412.965},{"sentences":[{"text":"people don't offset as much as they think they would have when they start that journey.","start":1412.65,"end":1416.51,"sentiment":"neutral","sentiment_score":-0.10744263348169625}],"sentiment":"neutral","sentiment_score":-0.10744263348169625,"channel":0,"num_words":16,"start":1412.65,"end":1416.51},{"sentences":[{"text":"Yeah.","start":1416.865,"end":1417.32,"sentiment":"neutral","sentiment_score":0.06930020451545715}],"sentiment":"neutral","sentiment_score":0.06930020451545715,"channel":1,"num_words":1,"start":1416.865,"end":1417.32},{"sentences":[{"text":"So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well?","start":1419.77,"end":1426.905,"sentiment":"neutral","sentiment_score":0.08943900366624197}],"sentiment":"neutral","sentiment_score":0.08943900366624197,"channel":0,"num_words":30,"start":1419.77,"end":1426.905},{"sentences":[{"text":"Yeah.","start":1427.88,"end":1428.2799,"sentiment":"neutral","sentiment_score":0.0706709772348404},{"text":"Sure.","start":1428.2799,"end":1428.6,"sentiment":"neutral","sentiment_score":0.09202365577220915},{"text":"So I've got, like, around 12 k in just, like, an emergency fund.","start":1428.6,"end":1434.365,"sentiment":"neutral","sentiment_score":0.11202805088116573}],"sentiment":"neutral","sentiment_score":0.10793728629748027,"channel":1,"num_words":15,"start":1427.88,"end":1434.365},{"sentences":[{"text":"Sensational.","start":1435.145,"end":1435.645,"sentiment":"neutral","sentiment_score":0.14487020671367645},{"text":"And that's with UBank?","start":1435.785,"end":1436.765,"sentiment":"neutral","sentiment_score":0.07968069054186344}],"sentiment":"neutral","sentiment_score":0.09271859377622604,"channel":0,"num_words":5,"start":1435.145,"end":1436.765},{"sentences":[{"text":"That's with UBank.","start":1437.385,"end":1438.365,"sentiment":"neutral","sentiment_score":0.1507545212904612},{"text":"And","start":1439.225,"end":1439.385,"sentiment":"positive","sentiment_score":0.3621523380279541}],"sentiment":"neutral","sentiment_score":0.20360397547483444,"channel":1,"num_words":4,"start":1437.385,"end":1439.385},{"sentences":[{"text":"Amazing.","start":1439.3201,"end":1439.8201,"sentiment":"positive","sentiment_score":0.475076287984848}],"sentiment":"positive","sentiment_score":0.475076287984848,"channel":0,"num_words":1,"start":1439.3201,"end":1439.8201},{"sentences":[{"text":"then, yeah, the interest rate's pretty good on that.","start":1439.385,"end":1441.625,"sentiment":"neutral","sentiment_score":0.32782938745286727},{"text":"So you kinda get probably about $50 a month of interest on top of that as long as you put enough","start":1441.625,"end":1447.79,"sentiment":"neutral","sentiment_score":0.23917368125347865}],"sentiment":"neutral","sentiment_score":0.26577039311329526,"channel":1,"num_words":30,"start":1439.385,"end":1447.79},{"sentences":[{"text":"Yep.","start":1447.4,"end":1447.9,"sentiment":"neutral","sentiment_score":0.12799155712127686}],"sentiment":"neutral","sentiment_score":0.12799155712127686,"channel":0,"num_words":1,"start":1447.4,"end":1447.9},{"sentences":[{"text":"into the account.","start":1448.01,"end":1448.9901,"sentiment":"neutral","sentiment_score":0.15860670804977417},{"text":"And then I start sorry.","start":1449.6901,"end":1456.03,"sentiment":"neutral","sentiment_score":0.0425572294741869},{"text":"One sec.","start":1456.17,"end":1456.875,"sentiment":"neutral","sentiment_score":0.028057953342795372}],"sentiment":"neutral","sentiment_score":0.07447221782058477,"channel":1,"num_words":10,"start":1448.01,"end":1456.875},{"sentences":[{"text":"And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay?","start":1458.935,"end":1464.395,"sentiment":"neutral","sentiment_score":0.05433231250693401}],"sentiment":"neutral","sentiment_score":0.05433231250693401,"channel":0,"num_words":24,"start":1458.935,"end":1464.395},{"sentences":[{"text":"Not at the moment.","start":1465.995,"end":1467.195,"sentiment":"neutral","sentiment_score":-0.1127444002777338},{"text":"So I that's something that I kinda want to sort out.","start":1467.195,"end":1471.48,"sentiment":"neutral","sentiment_score":-0.035477788441560486},{"text":"I was, and then we had our wedding, and everything went to shift.","start":1471.48,"end":1474.46,"sentiment":"neutral","sentiment_score":-0.01910074485036043},{"text":"And then yeah.","start":1475.08,"end":1477.08,"sentiment":"neutral","sentiment_score":0.003361796960234642},{"text":"So I'm getting back on track after that.","start":1477.08,"end":1479.26,"sentiment":"neutral","sentiment_score":0.031399881932884455}],"sentiment":"neutral","sentiment_score":-0.021237397709718116,"channel":1,"num_words":39,"start":1465.995,"end":1479.26},{"sentences":[{"text":"But yeah.","start":1479.88,"end":1480.36,"sentiment":"neutral","sentiment_score":0.01389139425009489},{"text":"With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat.","start":1480.36,"end":1489.3551,"sentiment":"neutral","sentiment_score":-0.04491257755029382},{"text":"But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there.","start":1491.175,"end":1498.68,"sentiment":"neutral","sentiment_score":0.035013115327609215},{"text":"So I do wanna get better at kind","start":1498.9,"end":1500.76,"sentiment":"neutral","sentiment_score":0.020264319144189358}],"sentiment":"neutral","sentiment_score":-0.010112395585184135,"channel":1,"num_words":62,"start":1479.88,"end":1500.76},{"sentences":[{"text":"Yep.","start":1500.745,"end":1501.245,"sentiment":"neutral","sentiment_score":0.05262419581413269}],"sentiment":"neutral","sentiment_score":0.05262419581413269,"channel":0,"num_words":1,"start":1500.745,"end":1501.245},{"sentences":[{"text":"of allocating that amount.","start":1501.14,"end":1504.04,"sentiment":"neutral","sentiment_score":0.03918413911014795},{"text":"But, yeah, I've gotta get back on track with that.","start":1506.74,"end":1509.0801,"sentiment":"neutral","sentiment_score":0.05202940832823515}],"sentiment":"neutral","sentiment_score":0.04835933140878167,"channel":1,"num_words":14,"start":1501.14,"end":1509.0801},{"sentences":[{"text":"Look.","start":1509.625,"end":1509.865,"sentiment":"positive","sentiment_score":0.4705725908279419},{"text":"That's fantastic.","start":1509.865,"end":1510.6849,"sentiment":"positive","sentiment_score":0.7582935094833374},{"text":"I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days.","start":1510.745,"end":1518.0,"sentiment":"positive","sentiment_score":0.516858274522035}],"sentiment":"positive","sentiment_score":0.5336499970692855,"channel":0,"num_words":26,"start":1509.625,"end":1518.0},{"sentences":[{"text":"Yeah.","start":1518.515,"end":1519.015,"sentiment":"neutral","sentiment_score":0.3280045986175537}],"sentiment":"neutral","sentiment_score":0.3280045986175537,"channel":1,"num_words":1,"start":1518.515,"end":1519.015},{"sentences":[{"text":"There's a lot of people kind of scrimping week to week, so I think that's fantastic.","start":1519.1001,"end":1522.4801,"sentiment":"neutral","sentiment_score":0.29082650784403086}],"sentiment":"neutral","sentiment_score":0.29082650784403086,"channel":0,"num_words":16,"start":1519.1001,"end":1522.4801},{"sentences":[{"text":"Yeah.","start":1523.155,"end":1523.61,"sentiment":"neutral","sentiment_score":0.21479010581970215}],"sentiment":"neutral","sentiment_score":0.21479010581970215,"channel":1,"num_words":1,"start":1523.155,"end":1523.61},{"sentences":[{"text":"I'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account.","start":1525.1001,"end":1532.255,"sentiment":"neutral","sentiment_score":0.1479642202074711},{"text":"And for the","start":1532.3151,"end":1532.875,"sentiment":"neutral","sentiment_score":0.07116065919399261}],"sentiment":"neutral","sentiment_score":0.14001902424055954,"channel":0,"num_words":29,"start":1525.1001,"end":1532.875},{"sentences":[{"text":"Yep.","start":1532.8099,"end":1533.3099,"sentiment":"neutral","sentiment_score":0.05518188327550888}],"sentiment":"neutral","sentiment_score":0.05518188327550888,"channel":1,"num_words":1,"start":1532.8099,"end":1533.3099},{"sentences":[{"text":"rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well.","start":1532.875,"end":1539.6951,"sentiment":"neutral","sentiment_score":0.09584610099936354}],"sentiment":"neutral","sentiment_score":0.09584610099936354,"channel":0,"num_words":29,"start":1532.875,"end":1539.6951},{"sentences":[{"text":"Yeah.","start":1539.945,"end":1540.345,"sentiment":"neutral","sentiment_score":0.06659573316574097},{"text":"Sure.","start":1540.345,"end":1540.845,"sentiment":"neutral","sentiment_score":0.07687237858772278},{"text":"I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left","start":1540.905,"end":1549.25,"sentiment":"neutral","sentiment_score":0.0624768209868464}],"sentiment":"neutral","sentiment_score":0.06307406194748418,"channel":1,"num_words":31,"start":1539.945,"end":1549.25},{"sentences":[{"text":"Yeah.","start":1549.8501,"end":1550.17,"sentiment":"neutral","sentiment_score":0.09843991696834564},{"text":"Absolutely.","start":1550.17,"end":1550.67,"sentiment":"neutral","sentiment_score":0.1674879640340805},{"text":"Can I just quickly check with you as well?","start":1551.29,"end":1552.65,"sentiment":"neutral","sentiment_score":0.08703021870719062},{"text":"I mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is","start":1552.65,"end":1558.995,"sentiment":"neutral","sentiment_score":0.09963461044042007}],"sentiment":"neutral","sentiment_score":0.09825870263225892,"channel":0,"num_words":34,"start":1549.8501,"end":1558.995},{"sentences":[{"text":"over.","start":1558.99,"end":1559.49,"sentiment":"neutral","sentiment_score":0.056498922407627106}],"sentiment":"neutral","sentiment_score":0.056498922407627106,"channel":1,"num_words":1,"start":1558.99,"end":1559.49},{"sentences":[{"text":"that down","start":1558.995,"end":1559.795,"sentiment":"neutral","sentiment_score":-0.008159761782735586}],"sentiment":"neutral","sentiment_score":-0.008159761782735586,"channel":0,"num_words":2,"start":1558.995,"end":1559.795},{"sentences":[{"text":"No.","start":1559.63,"end":1559.87,"sentiment":"neutral","sentiment_score":-0.04444035142660141}],"sentiment":"neutral","sentiment_score":-0.04444035142660141,"channel":1,"num_words":1,"start":1559.63,"end":1559.87},{"sentences":[{"text":"the","start":1559.795,"end":1559.875,"sentiment":"neutral","sentiment_score":-0.0457613430917263}],"sentiment":"neutral","sentiment_score":-0.0457613430917263,"channel":0,"num_words":1,"start":1559.795,"end":1559.875},{"sentences":[{"text":"Name's","start":1559.87,"end":1560.19,"sentiment":"neutral","sentiment_score":-0.05200152099132538}],"sentiment":"neutral","sentiment_score":-0.05200152099132538,"channel":1,"num_words":1,"start":1559.87,"end":1560.19},{"sentences":[{"text":"line","start":1559.875,"end":1560.195,"sentiment":"neutral","sentiment_score":-0.043496523052453995}],"sentiment":"neutral","sentiment_score":-0.043496523052453995,"channel":0,"num_words":1,"start":1559.875,"end":1560.195},{"sentences":[{"text":"still","start":1560.19,"end":1560.43,"sentiment":"neutral","sentiment_score":-0.06295661628246307}],"sentiment":"neutral","sentiment_score":-0.06295661628246307,"channel":1,"num_words":1,"start":1560.19,"end":1560.43},{"sentences":[{"text":"potentially?","start":1560.195,"end":1560.695,"sentiment":"neutral","sentiment_score":-0.03057238832116127}],"sentiment":"neutral","sentiment_score":-0.03057238832116127,"channel":0,"num_words":1,"start":1560.195,"end":1560.695},{"sentences":[{"text":"the","start":1560.43,"end":1560.765,"sentiment":"neutral","sentiment_score":0.06663220375776291}],"sentiment":"neutral","sentiment_score":0.06663220375776291,"channel":1,"num_words":1,"start":1560.43,"end":1560.765},{"sentences":[{"text":"Perfect.","start":1561.635,"end":1562.135,"sentiment":"neutral","sentiment_score":0.1566293239593506}],"sentiment":"neutral","sentiment_score":0.1566293239593506,"channel":0,"num_words":1,"start":1561.635,"end":1562.135},{"sentences":[{"text":"Maybe.","start":1561.885,"end":1562.365,"sentiment":"neutral","sentiment_score":0.04104601964354515}],"sentiment":"neutral","sentiment_score":0.04104601964354515,"channel":1,"num_words":1,"start":1561.885,"end":1562.365},{"sentences":[{"text":"Alright.","start":1562.355,"end":1562.855,"sentiment":"neutral","sentiment_score":0.07662844657897949}],"sentiment":"neutral","sentiment_score":0.07662844657897949,"channel":0,"num_words":1,"start":1562.355,"end":1562.855},{"sentences":[{"text":"Maybe.","start":1562.365,"end":1562.765,"sentiment":"neutral","sentiment_score":0.038866061717271805},{"text":"But Peachy is a good name.","start":1562.765,"end":1565.245,"sentiment":"neutral","sentiment_score":0.16058587779601416},{"text":"I don't it's hard to","start":1565.245,"end":1566.4451,"sentiment":"neutral","sentiment_score":-0.0011395757552236318}],"sentiment":"neutral","sentiment_score":0.08305695414310321,"channel":1,"num_words":12,"start":1562.365,"end":1566.4451},{"sentences":[{"text":"Peachy","start":1566.4349,"end":1566.915,"sentiment":"neutral","sentiment_score":-0.053346507251262665}],"sentiment":"neutral","sentiment_score":-0.053346507251262665,"channel":0,"num_words":1,"start":1566.4349,"end":1566.915},{"sentences":[{"text":"hard to let","start":1566.4451,"end":1567.005,"sentiment":"neutral","sentiment_score":-0.05119365950425466}],"sentiment":"neutral","sentiment_score":-0.05119365950425466,"channel":1,"num_words":3,"start":1566.4451,"end":1567.005},{"sentences":[{"text":"is","start":1566.915,"end":1567.075,"sentiment":"neutral","sentiment_score":-0.02505400776863098}],"sentiment":"neutral","sentiment_score":-0.02505400776863098,"channel":0,"num_words":1,"start":1566.915,"end":1567.075},{"sentences":[{"text":"go","start":1567.005,"end":1567.165,"sentiment":"neutral","sentiment_score":0.012049652636051178}],"sentiment":"neutral","sentiment_score":0.012049652636051178,"channel":1,"num_words":1,"start":1567.005,"end":1567.165},{"sentences":[{"text":"a","start":1567.075,"end":1567.235,"sentiment":"neutral","sentiment_score":0.02295181155204773}],"sentiment":"neutral","sentiment_score":0.02295181155204773,"channel":0,"num_words":1,"start":1567.075,"end":1567.235},{"sentences":[{"text":"of.","start":1567.165,"end":1567.665,"sentiment":"neutral","sentiment_score":0.029277438297867775}],"sentiment":"neutral","sentiment_score":0.029277438297867775,"channel":1,"num_words":1,"start":1567.165,"end":1567.665},{"sentences":[{"text":"great name.","start":1567.235,"end":1568.0549,"sentiment":"neutral","sentiment_score":0.21319976449012756},{"text":"I'll put that down.","start":1568.29,"end":1569.33,"sentiment":"neutral","sentiment_score":0.08427875861525536},{"text":"So we'll go married status, but Peachy is the surname to stay.","start":1569.33,"end":1573.43,"sentiment":"neutral","sentiment_score":0.07358309254050255},{"text":"And","start":1573.73,"end":1574.05,"sentiment":"neutral","sentiment_score":0.051023274660110474}],"sentiment":"neutral","sentiment_score":0.08934394466249566,"channel":0,"num_words":19,"start":1567.235,"end":1574.05},{"sentences":[{"text":"Yep.","start":1573.965,"end":1574.465,"sentiment":"neutral","sentiment_score":-0.00873763207346201}],"sentiment":"neutral","sentiment_score":-0.00873763207346201,"channel":1,"num_words":1,"start":1573.965,"end":1574.465},{"sentences":[{"text":"I'm just gonna put that in as maiden name as well so no one assumes.","start":1574.05,"end":1577.1901,"sentiment":"neutral","sentiment_score":0.02876409242550532}],"sentiment":"neutral","sentiment_score":0.02876409242550532,"channel":0,"num_words":15,"start":1574.05,"end":1577.1901},{"sentences":[{"text":"Mhmm.","start":1578.1599,"end":1578.6599,"sentiment":"neutral","sentiment_score":0.013717906549572945}],"sentiment":"neutral","sentiment_score":0.013717906549572945,"channel":1,"num_words":1,"start":1578.1599,"end":1578.6599},{"sentences":[{"text":"And just to double check, is that to Theodore?","start":1579.01,"end":1581.59,"sentiment":"neutral","sentiment_score":0.016057144695272047},{"text":"Oh, sorry, Simone.","start":1587.275,"end":1587.995,"sentiment":"neutral","sentiment_score":0.00128693754474322},{"text":"Are you still there?","start":1587.995,"end":1588.895,"sentiment":"neutral","sentiment_score":0.00003310944885015488}],"sentiment":"neutral","sentiment_score":0.00928172204294242,"channel":0,"num_words":16,"start":1579.01,"end":1588.895},{"sentences":[{"text":"Thank you.","start":1590.0,"end":1590.615,"sentiment":"positive","sentiment_score":0.40642863512039185},{"text":"Oh, are you there?","start":1590.615,"end":1592.075,"sentiment":"neutral","sentiment_score":0.04737649392336607}],"sentiment":"neutral","sentiment_score":0.16706054098904133,"channel":1,"num_words":6,"start":1590.0,"end":1592.075},{"sentences":[{"text":"Oh, I just lost you for a few seconds.","start":1592.0751,"end":1594.395,"sentiment":"neutral","sentiment_score":-0.26584919459289974},{"text":"Can you hear me okay?","start":1594.395,"end":1595.52,"sentiment":"neutral","sentiment_score":-0.11057873219251632},{"text":"Yes.","start":1596.56,"end":1596.96,"sentiment":"neutral","sentiment_score":-0.006040221080183983},{"text":"I'm back.","start":1596.96,"end":1597.6,"sentiment":"neutral","sentiment_score":-0.016906667966395617},{"text":"Sorry.","start":1597.6,"end":1598.0,"sentiment":"neutral","sentiment_score":-0.13333800435066223}],"sentiment":"neutral","sentiment_score":-0.17326266520346204,"channel":0,"num_words":18,"start":1592.0751,"end":1598.0},{"sentences":[{"text":"About seven seconds have cut out there.","start":1598.0,"end":1600.0,"sentiment":"neutral","sentiment_score":-0.17844228659357345},{"text":"I do apologize.","start":1600.0,"end":1600.8201,"sentiment":"neutral","sentiment_score":-0.12015592306852341}],"sentiment":"neutral","sentiment_score":-0.16095637753605843,"channel":0,"num_words":10,"start":1598.0,"end":1600.8201},{"sentences":[{"text":"Sorry.","start":1600.455,"end":1600.955,"sentiment":"neutral","sentiment_score":-0.06539647281169891},{"text":"Okay.","start":1601.895,"end":1602.395,"sentiment":"neutral","sentiment_score":0.012172603979706764}],"sentiment":"neutral","sentiment_score":-0.026611934415996075,"channel":1,"num_words":2,"start":1600.455,"end":1602.395},{"sentences":[{"text":"I was just double checking because Theodore was listed as your next of kin and emergency contact,","start":1603.36,"end":1607.9401,"sentiment":"neutral","sentiment_score":0.026306097888771224}],"sentiment":"neutral","sentiment_score":0.026306097888771224,"channel":0,"num_words":17,"start":1603.36,"end":1607.9401},{"sentences":[{"text":"Yep.","start":1608.55,"end":1609.05,"sentiment":"neutral","sentiment_score":0.02520114742219448}],"sentiment":"neutral","sentiment_score":0.02520114742219448,"channel":1,"num_words":1,"start":1608.55,"end":1609.05},{"sentences":[{"text":"And I'm assuming that is your partner, not like a friend.","start":1610.115,"end":1613.975,"sentiment":"neutral","sentiment_score":-0.03890154307538813}],"sentiment":"neutral","sentiment_score":-0.03890154307538813,"channel":0,"num_words":11,"start":1610.115,"end":1613.975},{"sentences":[{"text":"Hero?","start":1616.835,"end":1617.335,"sentiment":"neutral","sentiment_score":0.0066040996462106705}],"sentiment":"neutral","sentiment_score":0.0066040996462106705,"channel":1,"num_words":1,"start":1616.835,"end":1617.335},{"sentences":[{"text":"Yes.","start":1618.195,"end":1618.695,"sentiment":"neutral","sentiment_score":0.048342712223529816}],"sentiment":"neutral","sentiment_score":0.048342712223529816,"channel":0,"num_words":1,"start":1618.195,"end":1618.695},{"sentences":[{"text":"Yeah.","start":1619.155,"end":1619.395,"sentiment":"neutral","sentiment_score":0.050086379051208496},{"text":"Yeah.","start":1619.395,"end":1619.635,"sentiment":"neutral","sentiment_score":0.05689717084169388},{"text":"So he's my husband.","start":1619.635,"end":1620.775,"sentiment":"neutral","sentiment_score":0.060917094349861145}],"sentiment":"neutral","sentiment_score":0.05844198788205782,"channel":1,"num_words":6,"start":1619.155,"end":1620.775},{"sentences":[{"text":"Yep.","start":1621.09,"end":1621.49,"sentiment":"neutral","sentiment_score":0.20918075740337372},{"text":"Perfect.","start":1621.49,"end":1621.99,"sentiment":"positive","sentiment_score":0.5318955183029175}],"sentiment":"positive","sentiment_score":0.3705381378531456,"channel":0,"num_words":2,"start":1621.09,"end":1621.99},{"sentences":[{"text":"Yeah.","start":1622.0349,"end":1622.5349,"sentiment":"neutral","sentiment_score":0.28687387704849243}],"sentiment":"neutral","sentiment_score":0.28687387704849243,"channel":1,"num_words":1,"start":1622.0349,"end":1622.5349},{"sentences":[{"text":"Just didn't wanna assume that your next of kin from original wasn't somebody else.","start":1622.9299,"end":1627.6699,"sentiment":"neutral","sentiment_score":0.007961701003036328}],"sentiment":"neutral","sentiment_score":0.007961701003036328,"channel":0,"num_words":14,"start":1622.9299,"end":1627.6699},{"sentences":[{"text":"Mhmm.","start":1628.0349,"end":1628.5349,"sentiment":"neutral","sentiment_score":0.0418211966753006}],"sentiment":"neutral","sentiment_score":0.0418211966753006,"channel":1,"num_words":1,"start":1628.0349,"end":1628.5349},{"sentences":[{"text":"We've got no changes to your address, email, or phone number.","start":1629.89,"end":1637.515,"sentiment":"neutral","sentiment_score":0.0034489560533653607}],"sentiment":"neutral","sentiment_score":0.0034489560533653607,"channel":0,"num_words":11,"start":1629.89,"end":1637.515},{"sentences":[{"text":"Mhmm.","start":1638.21,"end":1638.71,"sentiment":"neutral","sentiment_score":0.013274313881993294}],"sentiment":"neutral","sentiment_score":0.013274313881993294,"channel":1,"num_words":1,"start":1638.21,"end":1638.71},{"sentences":[{"text":"You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher.","start":1638.2151,"end":1643.435,"sentiment":"neutral","sentiment_score":-0.014009641483426094},{"text":"Did you have much","start":1643.5751,"end":1644.375,"sentiment":"neutral","sentiment_score":-0.04936021100729704}],"sentiment":"neutral","sentiment_score":-0.020157566618012344,"channel":0,"num_words":23,"start":1638.2151,"end":1644.375},{"sentences":[{"text":"Yep.","start":1644.175,"end":1644.675,"sentiment":"neutral","sentiment_score":-0.0505119226872921}],"sentiment":"neutral","sentiment_score":-0.0505119226872921,"channel":1,"num_words":1,"start":1644.175,"end":1644.675},{"sentences":[{"text":"of an income change?","start":1644.375,"end":1645.895,"sentiment":"neutral","sentiment_score":-0.10958839021623135},{"text":"Because there was a potential drop on the cards from your last review.","start":1645.895,"end":1650.35,"sentiment":"neutral","sentiment_score":-0.18887975811958313},{"text":"I'm wondering if that","start":1650.97,"end":1652.03,"sentiment":"neutral","sentiment_score":-0.08679032325744629}],"sentiment":"neutral","sentiment_score":-0.15433103378329957,"channel":0,"num_words":21,"start":1644.375,"end":1652.03},{"sentences":[{"text":"Yeah.","start":1651.6951,"end":1652.015,"sentiment":"neutral","sentiment_score":-0.06653229147195816},{"text":"No.","start":1652.015,"end":1652.175,"sentiment":"neutral","sentiment_score":-0.2532179355621338},{"text":"I'm still working in higher duties at the moment, but it's like a year to year contract.","start":1652.175,"end":1655.715,"sentiment":"neutral","sentiment_score":-0.22144484256996827},{"text":"So I don't","start":1655.89,"end":1657.73,"sentiment":"neutral","sentiment_score":-0.2462293008963267}],"sentiment":"neutral","sentiment_score":-0.2192272933369333,"channel":1,"num_words":22,"start":1651.6951,"end":1657.73},{"sentences":[{"text":"uh-huh.","start":1657.61,"end":1657.86,"sentiment":"neutral","sentiment_score":-0.21355843544006348}],"sentiment":"neutral","sentiment_score":-0.21355843544006348,"channel":0,"num_words":1,"start":1657.61,"end":1657.86},{"sentences":[{"text":"know","start":1657.73,"end":1658.23,"sentiment":"neutral","sentiment_score":-0.1741369068622589}],"sentiment":"neutral","sentiment_score":-0.1741369068622589,"channel":1,"num_words":1,"start":1657.73,"end":1658.23},{"sentences":[{"text":"Okay.","start":1657.86,"end":1658.36,"sentiment":"neutral","sentiment_score":-0.1177934557199478}],"sentiment":"neutral","sentiment_score":-0.1177934557199478,"channel":0,"num_words":1,"start":1657.86,"end":1658.36},{"sentences":[{"text":"what the situation will be next year.","start":1658.77,"end":1661.6699,"sentiment":"neutral","sentiment_score":-0.12992243149450847}],"sentiment":"neutral","sentiment_score":-0.12992243149450847,"channel":1,"num_words":7,"start":1658.77,"end":1661.6699},{"sentences":[{"text":"K.","start":1662.185,"end":1662.505,"sentiment":"neutral","sentiment_score":-0.007424937561154365},{"text":"Do you know what your annual income is gonna look like for the financial year when you do your tax return?","start":1662.505,"end":1667.485,"sentiment":"neutral","sentiment_score":0.022422885344851585}],"sentiment":"neutral","sentiment_score":0.021066166121851315,"channel":0,"num_words":22,"start":1662.185,"end":1667.485},{"sentences":[{"text":"So it'll be at that higher duty the whole yeah.","start":1668.61,"end":1672.2151,"sentiment":"neutral","sentiment_score":0.0035295264213345947},{"text":"Yeah.","start":1673.9551,"end":1674.275,"sentiment":"neutral","sentiment_score":0.07969796657562256},{"text":"It's been for the last couple of years, so it should be the same.","start":1674.275,"end":1678.6151,"sentiment":"neutral","sentiment_score":0.0997242842401777}],"sentiment":"neutral","sentiment_score":0.06044532840605825,"channel":1,"num_words":25,"start":1668.61,"end":1678.6151},{"sentences":[{"text":"Perfect.","start":1679.64,"end":1679.9601,"sentiment":"positive","sentiment_score":0.449288547039032},{"text":"So that $1.40, I can kind of leave it there for the time being.","start":1679.9601,"end":1683.42,"sentiment":"neutral","sentiment_score":0.21306739428213664}],"sentiment":"neutral","sentiment_score":0.22881547113259634,"channel":0,"num_words":15,"start":1679.64,"end":1683.42},{"sentences":[{"text":"Yeah.","start":1682.995,"end":1683.395,"sentiment":"neutral","sentiment_score":0.1367376148700714},{"text":"Around that mark.","start":1683.395,"end":1684.26,"sentiment":"neutral","sentiment_score":0.15182286004225412}],"sentiment":"neutral","sentiment_score":0.14805154874920845,"channel":1,"num_words":4,"start":1682.995,"end":1684.26},{"sentences":[{"text":"Perfect.","start":1686.4551,"end":1686.9551,"sentiment":"positive","sentiment_score":0.4359382688999176},{"text":"And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning?","start":1687.415,"end":1694.555,"sentiment":"neutral","sentiment_score":0.08131776202935725}],"sentiment":"neutral","sentiment_score":0.0920638379951318,"channel":0,"num_words":33,"start":1686.4551,"end":1694.555},{"sentences":[{"text":"We haven't.","start":1694.98,"end":1695.54,"sentiment":"neutral","sentiment_score":-0.0757658053189516},{"text":"It's not another thing on the list.","start":1695.54,"end":1697.385,"sentiment":"neutral","sentiment_score":-0.03744792565703392}],"sentiment":"neutral","sentiment_score":-0.04596301002634896,"channel":1,"num_words":9,"start":1694.98,"end":1697.385},{"sentences":[{"text":"I know that in your state, if it's helpful, besides","start":1699.59,"end":1704.07,"sentiment":"neutral","sentiment_score":0.04938595145940781}],"sentiment":"neutral","sentiment_score":0.04938595145940781,"channel":0,"num_words":10,"start":1699.59,"end":1704.07},{"sentences":[{"text":"Mhmm.","start":1704.025,"end":1704.525,"sentiment":"neutral","sentiment_score":-0.02613803558051586}],"sentiment":"neutral","sentiment_score":-0.02613803558051586,"channel":1,"num_words":1,"start":1704.025,"end":1704.525},{"sentences":[{"text":"obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse.","start":1704.07,"end":1709.6699,"sentiment":"neutral","sentiment_score":0.0683095894753933},{"text":"They do wills and power of attorneys as well.","start":1709.6699,"end":1711.9299,"sentiment":"neutral","sentiment_score":0.11983045356141196},{"text":"And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well.","start":1713.395,"end":1721.475,"sentiment":"neutral","sentiment_score":0.08613636337220669}],"sentiment":"neutral","sentiment_score":0.08514953621973594,"channel":0,"num_words":54,"start":1704.07,"end":1721.475},{"sentences":[{"text":"Okay.","start":1721.23,"end":1721.73,"sentiment":"neutral","sentiment_score":0.11982619762420654}],"sentiment":"neutral","sentiment_score":0.11982619762420654,"channel":1,"num_words":1,"start":1721.23,"end":1721.73},{"sentences":[{"text":"And there's even","start":1721.475,"end":1722.455,"sentiment":"neutral","sentiment_score":0.11272281656662624}],"sentiment":"neutral","sentiment_score":0.11272281656662624,"channel":0,"num_words":3,"start":1721.475,"end":1722.455},{"sentences":[{"text":"Okay.","start":1722.03,"end":1722.53,"sentiment":"neutral","sentiment_score":0.1402917057275772}],"sentiment":"neutral","sentiment_score":0.1402917057275772,"channel":1,"num_words":1,"start":1722.03,"end":1722.53},{"sentences":[{"text":"will kits from the post office for about $25, which are quite basic, but","start":1723.315,"end":1727.99,"sentiment":"neutral","sentiment_score":0.1678728088736534}],"sentiment":"neutral","sentiment_score":0.1678728088736534,"channel":0,"num_words":14,"start":1723.315,"end":1727.99},{"sentences":[{"text":"Yeah.","start":1727.805,"end":1728.305,"sentiment":"positive","sentiment_score":0.3698772192001343}],"sentiment":"positive","sentiment_score":0.3698772192001343,"channel":1,"num_words":1,"start":1727.805,"end":1728.305},{"sentences":[{"text":"they're good if it's just a mortgage and some savings.","start":1727.99,"end":1730.33,"sentiment":"positive","sentiment_score":0.536533197760582}],"sentiment":"positive","sentiment_score":0.536533197760582,"channel":0,"num_words":10,"start":1727.99,"end":1730.33},{"sentences":[{"text":"Yeah.","start":1730.925,"end":1731.325,"sentiment":"neutral","sentiment_score":0.15777455270290375},{"text":"Sure.","start":1731.325,"end":1731.825,"sentiment":"neutral","sentiment_score":0.14798617362976074}],"sentiment":"neutral","sentiment_score":0.15288036316633224,"channel":1,"num_words":2,"start":1730.925,"end":1731.825},{"sentences":[{"text":"I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to.","start":1732.95,"end":1741.305,"sentiment":"neutral","sentiment_score":0.0896427955191869}],"sentiment":"neutral","sentiment_score":0.0896427955191869,"channel":0,"num_words":26,"start":1732.95,"end":1741.305},{"sentences":[{"text":"Is it down for the area at the moment?","start":1743.02,"end":1744.88,"sentiment":"neutral","sentiment_score":0.020407297027607758}],"sentiment":"neutral","sentiment_score":0.020407297027607758,"channel":1,"num_words":9,"start":1743.02,"end":1744.88},{"sentences":[{"text":"No.","start":1745.385,"end":1745.7051,"sentiment":"neutral","sentiment_score":-0.11858176440000534},{"text":"It's it's left blank at the moment.","start":1745.7051,"end":1747.7051,"sentiment":"neutral","sentiment_score":-0.17162333961044038},{"text":"I wanted to just quickly check","start":1747.7051,"end":1749.165,"sentiment":"neutral","sentiment_score":-0.06114635616540909}],"sentiment":"neutral","sentiment_score":-0.12048737704753876,"channel":0,"num_words":14,"start":1745.385,"end":1749.165},{"sentences":[{"text":"Yeah.","start":1748.78,"end":1749.02,"sentiment":"neutral","sentiment_score":-0.12371660768985748},{"text":"I think","start":1749.02,"end":1749.34,"sentiment":"neutral","sentiment_score":-0.2197970747947693}],"sentiment":"neutral","sentiment_score":-0.18777025242646536,"channel":1,"num_words":3,"start":1748.78,"end":1749.34},{"sentences":[{"text":"with","start":1749.2251,"end":1749.4651,"sentiment":"neutral","sentiment_score":-0.21925540268421173}],"sentiment":"neutral","sentiment_score":-0.21925540268421173,"channel":0,"num_words":1,"start":1749.2251,"end":1749.4651},{"sentences":[{"text":"that's","start":1749.34,"end":1749.5801,"sentiment":"neutral","sentiment_score":-0.2565918266773224}],"sentiment":"neutral","sentiment_score":-0.2565918266773224,"channel":1,"num_words":1,"start":1749.34,"end":1749.5801},{"sentences":[{"text":"you","start":1749.4651,"end":1749.625,"sentiment":"neutral","sentiment_score":-0.3285880982875824}],"sentiment":"neutral","sentiment_score":-0.3285880982875824,"channel":0,"num_words":1,"start":1749.4651,"end":1749.625},{"sentences":[{"text":"my","start":1749.5801,"end":1749.74,"sentiment":"negative","sentiment_score":-0.3795047104358673}],"sentiment":"negative","sentiment_score":-0.3795047104358673,"channel":1,"num_words":1,"start":1749.5801,"end":1749.74},{"sentences":[{"text":"what","start":1749.625,"end":1749.785,"sentiment":"negative","sentiment_score":-0.368629515171051}],"sentiment":"negative","sentiment_score":-0.368629515171051,"channel":0,"num_words":1,"start":1749.625,"end":1749.785},{"sentences":[{"text":"bad.","start":1749.74,"end":1750.185,"sentiment":"neutral","sentiment_score":-0.32773712277412415}],"sentiment":"neutral","sentiment_score":-0.32773712277412415,"channel":1,"num_words":1,"start":1749.74,"end":1750.185},{"sentences":[{"text":"end up.","start":1749.785,"end":1750.525,"sentiment":"neutral","sentiment_score":-0.1848612055182457}],"sentiment":"neutral","sentiment_score":-0.1848612055182457,"channel":0,"num_words":2,"start":1749.785,"end":1750.525},{"sentences":[{"text":"Advice.","start":1750.3451,"end":1750.8451,"sentiment":"neutral","sentiment_score":-0.10009828209877014},{"text":"I've received the papers a couple of times and not it's so bad.","start":1751.0651,"end":1754.685,"sentiment":"neutral","sentiment_score":-0.14862069831444666},{"text":"Yeah.","start":1755.305,"end":1755.625,"sentiment":"neutral","sentiment_score":-0.04964242875576019}],"sentiment":"neutral","sentiment_score":-0.13878731926282248,"channel":1,"num_words":15,"start":1750.3451,"end":1755.625},{"sentences":[{"text":"That's","start":1755.48,"end":1755.7999,"sentiment":"neutral","sentiment_score":-0.06609855592250824}],"sentiment":"neutral","sentiment_score":-0.06609855592250824,"channel":0,"num_words":1,"start":1755.48,"end":1755.7999},{"sentences":[{"text":"It","start":1755.625,"end":1755.8651,"sentiment":"neutral","sentiment_score":-0.08296364545822144}],"sentiment":"neutral","sentiment_score":-0.08296364545822144,"channel":1,"num_words":1,"start":1755.625,"end":1755.8651},{"sentences":[{"text":"a","start":1755.7999,"end":1755.96,"sentiment":"neutral","sentiment_score":-0.07674485445022583}],"sentiment":"neutral","sentiment_score":-0.07674485445022583,"channel":0,"num_words":1,"start":1755.7999,"end":1755.96},{"sentences":[{"text":"it","start":1755.8651,"end":1756.025,"sentiment":"neutral","sentiment_score":-0.11537554115056992}],"sentiment":"neutral","sentiment_score":-0.11537554115056992,"channel":1,"num_words":1,"start":1755.8651,"end":1756.025},{"sentences":[{"text":"common","start":1755.96,"end":1756.36,"sentiment":"neutral","sentiment_score":-0.0996585339307785}],"sentiment":"neutral","sentiment_score":-0.0996585339307785,"channel":0,"num_words":1,"start":1755.96,"end":1756.36},{"sentences":[{"text":"will be","start":1756.025,"end":1756.425,"sentiment":"neutral","sentiment_score":-0.1360756680369377}],"sentiment":"neutral","sentiment_score":-0.1360756680369377,"channel":1,"num_words":2,"start":1756.025,"end":1756.425},{"sentences":[{"text":"occurrence.","start":1756.36,"end":1756.7599,"sentiment":"neutral","sentiment_score":-0.12352889776229858}],"sentiment":"neutral","sentiment_score":-0.12352889776229858,"channel":0,"num_words":1,"start":1756.36,"end":1756.7599},{"sentences":[{"text":"there.","start":1756.425,"end":1756.925,"sentiment":"neutral","sentiment_score":-0.07531829178333282}],"sentiment":"neutral","sentiment_score":-0.07531829178333282,"channel":1,"num_words":1,"start":1756.425,"end":1756.925},{"sentences":[{"text":"It's a guy.","start":1756.7599,"end":1757.5599,"sentiment":"neutral","sentiment_score":-0.08188438663880031},{"text":"Yep.","start":1757.5599,"end":1758.0599,"sentiment":"neutral","sentiment_score":-0.03390450403094292}],"sentiment":"neutral","sentiment_score":-0.06988941598683596,"channel":0,"num_words":4,"start":1756.7599,"end":1758.0599},{"sentences":[{"text":"I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway.","start":1758.905,"end":1763.405,"sentiment":"neutral","sentiment_score":-0.10283268496394157}],"sentiment":"neutral","sentiment_score":-0.10283268496394157,"channel":1,"num_words":25,"start":1758.905,"end":1763.405},{"sentences":[{"text":"Yeah.","start":1764.2,"end":1764.7,"sentiment":"neutral","sentiment_score":-0.010497214272618294}],"sentiment":"neutral","sentiment_score":-0.010497214272618294,"channel":0,"num_words":1,"start":1764.2,"end":1764.7},{"sentences":[{"text":"Yeah.","start":1766.39,"end":1766.55,"sentiment":"neutral","sentiment_score":-0.008936946280300617},{"text":"I mean, it it can only be your partner.","start":1766.55,"end":1768.41,"sentiment":"neutral","sentiment_score":-0.0074698097176022},{"text":"Right?","start":1768.75,"end":1769.25,"sentiment":"neutral","sentiment_score":0.001174895092844963},{"text":"Or any line","start":1769.5901,"end":1770.4901,"sentiment":"neutral","sentiment_score":0.004189497480789821}],"sentiment":"neutral","sentiment_score":-0.004458703300250428,"channel":1,"num_words":14,"start":1766.39,"end":1770.4901},{"sentences":[{"text":"Financial dependent.","start":1771.255,"end":1772.315,"sentiment":"neutral","sentiment_score":-0.004461929202079773},{"text":"Yeah.","start":1772.455,"end":1772.7749,"sentiment":"neutral","sentiment_score":0.0004182737320661545}],"sentiment":"neutral","sentiment_score":-0.0028351948906977973,"channel":0,"num_words":3,"start":1771.255,"end":1772.7749},{"sentences":[{"text":"dependent?","start":1772.7101,"end":1773.1101,"sentiment":"neutral","sentiment_score":0.0018599890172481537}],"sentiment":"neutral","sentiment_score":0.0018599890172481537,"channel":1,"num_words":1,"start":1772.7101,"end":1773.1101},{"sentences":[{"text":"So","start":1772.7749,"end":1773.1749,"sentiment":"neutral","sentiment_score":-0.0002003256231546402}],"sentiment":"neutral","sentiment_score":-0.0002003256231546402,"channel":0,"num_words":1,"start":1772.7749,"end":1773.1749},{"sentences":[{"text":"Yeah.","start":1773.1101,"end":1773.51,"sentiment":"neutral","sentiment_score":0.002408022992312908}],"sentiment":"neutral","sentiment_score":0.002408022992312908,"channel":1,"num_words":1,"start":1773.1101,"end":1773.51},{"sentences":[{"text":"partner,","start":1773.1749,"end":1773.6749,"sentiment":"neutral","sentiment_score":-0.0023149391636252403}],"sentiment":"neutral","sentiment_score":-0.0023149391636252403,"channel":0,"num_words":1,"start":1773.1749,"end":1773.6749},{"sentences":[{"text":"But","start":1773.51,"end":1774.01,"sentiment":"neutral","sentiment_score":-0.002132408320903778}],"sentiment":"neutral","sentiment_score":-0.002132408320903778,"channel":1,"num_words":1,"start":1773.51,"end":1774.01},{"sentences":[{"text":"child, interdependency relationship are the three main ones.","start":1774.0549,"end":1777.355,"sentiment":"neutral","sentiment_score":-0.004427260486409068}],"sentiment":"neutral","sentiment_score":-0.004427260486409068,"channel":0,"num_words":8,"start":1774.0549,"end":1777.355},{"sentences":[{"text":"yeah.","start":1778.39,"end":1778.63,"sentiment":"neutral","sentiment_score":-0.017104897648096085},{"text":"No.","start":1778.63,"end":1778.79,"sentiment":"neutral","sentiment_score":-0.05743034929037094},{"text":"So just there.","start":1778.79,"end":1779.835,"sentiment":"neutral","sentiment_score":-0.03514010707537333}],"sentiment":"neutral","sentiment_score":-0.035991113632917404,"channel":1,"num_words":5,"start":1778.39,"end":1779.835},{"sentences":[{"text":"Yeah.","start":1780.37,"end":1780.87,"sentiment":"neutral","sentiment_score":0.02283652499318123},{"text":"If you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can","start":1781.41,"end":1790.965,"sentiment":"neutral","sentiment_score":0.0815641091715905}],"sentiment":"neutral","sentiment_score":0.07972887216601521,"channel":0,"num_words":32,"start":1780.37,"end":1790.965},{"sentences":[{"text":"Yep.","start":1790.855,"end":1791.27,"sentiment":"neutral","sentiment_score":0.11743943393230438}],"sentiment":"neutral","sentiment_score":0.11743943393230438,"channel":1,"num_words":1,"start":1790.855,"end":1791.27},{"sentences":[{"text":"even express post out the forms with a return envelope if that's easier.","start":1790.965,"end":1794.985,"sentiment":"neutral","sentiment_score":0.13696648581669882}],"sentiment":"neutral","sentiment_score":0.13696648581669882,"channel":0,"num_words":13,"start":1790.965,"end":1794.985},{"sentences":[{"text":"To be honest, I think I still got the old one.","start":1796.63,"end":1799.53,"sentiment":"neutral","sentiment_score":-0.18486222421581094},{"text":"Does it need to be oh, yeah.","start":1801.59,"end":1803.11,"sentiment":"neutral","sentiment_score":-0.11038112533943993},{"text":"No.","start":1803.11,"end":1803.27,"sentiment":"neutral","sentiment_score":-0.2296622097492218},{"text":"I've I've signed them in 2024.","start":1803.27,"end":1805.99,"sentiment":"neutral","sentiment_score":-0.19238922744989395},{"text":"Just do not post with them back.","start":1805.99,"end":1807.7749,"sentiment":"neutral","sentiment_score":-0.2816352610077177}],"sentiment":"neutral","sentiment_score":-0.19254989828914404,"channel":1,"num_words":32,"start":1796.63,"end":1807.7749},{"sentences":[{"text":"Oh, wow.","start":1808.26,"end":1808.82,"sentiment":"neutral","sentiment_score":-0.05598452314734459}],"sentiment":"neutral","sentiment_score":-0.05598452314734459,"channel":0,"num_words":2,"start":1808.26,"end":1808.82},{"sentences":[{"text":"Yeah.","start":1808.715,"end":1808.955,"sentiment":"neutral","sentiment_score":-0.01732032001018524}],"sentiment":"neutral","sentiment_score":-0.01732032001018524,"channel":1,"num_words":1,"start":1808.715,"end":1808.955},{"sentences":[{"text":"Did","start":1808.82,"end":1808.98,"sentiment":"neutral","sentiment_score":-0.023016059771180153}],"sentiment":"neutral","sentiment_score":-0.023016059771180153,"channel":0,"num_words":1,"start":1808.82,"end":1808.98},{"sentences":[{"text":"Maybe","start":1808.955,"end":1809.2749,"sentiment":"neutral","sentiment_score":-0.038316644728183746}],"sentiment":"neutral","sentiment_score":-0.038316644728183746,"channel":1,"num_words":1,"start":1808.955,"end":1809.2749},{"sentences":[{"text":"you get them witnessed as well?","start":1808.98,"end":1810.52,"sentiment":"neutral","sentiment_score":-0.047222042766710125}],"sentiment":"neutral","sentiment_score":-0.047222042766710125,"channel":0,"num_words":6,"start":1808.98,"end":1810.52},{"sentences":[{"text":"no.","start":1812.075,"end":1812.3949,"sentiment":"neutral","sentiment_score":-0.25479012727737427},{"text":"I haven't got a witness.","start":1812.3949,"end":1813.5149,"sentiment":"neutral","sentiment_score":-0.23633140921592713},{"text":"I don't I think that was I think that was my roadblock, actually.","start":1813.5149,"end":1816.335,"sentiment":"neutral","sentiment_score":-0.3190763329084103}],"sentiment":"neutral","sentiment_score":-0.2939178684824391,"channel":1,"num_words":19,"start":1812.075,"end":1816.335},{"sentences":[{"text":"Yep.","start":1817.235,"end":1817.735,"sentiment":"neutral","sentiment_score":-0.15663518011569977}],"sentiment":"neutral","sentiment_score":-0.15663518011569977,"channel":0,"num_words":1,"start":1817.235,"end":1817.735},{"sentences":[{"text":"I kept forgetting to take them out with me.","start":1817.595,"end":1819.695,"sentiment":"neutral","sentiment_score":-0.2035280234283871}],"sentiment":"neutral","sentiment_score":-0.2035280234283871,"channel":1,"num_words":9,"start":1817.595,"end":1819.695},{"sentences":[{"text":"Oh, that can be a bit of a pain.","start":1820.755,"end":1822.115,"sentiment":"negative","sentiment_score":-0.5200618671046363},{"text":"I know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are.","start":1822.115,"end":1828.9801,"sentiment":"neutral","sentiment_score":-0.05839631266214631},{"text":"But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've","start":1828.9801,"end":1834.66,"sentiment":"negative","sentiment_score":-0.4314368360986312}],"sentiment":"neutral","sentiment_score":-0.2967229045250199,"channel":0,"num_words":55,"start":1820.755,"end":1834.66},{"sentences":[{"text":"Yeah.","start":1834.49,"end":1834.875,"sentiment":"neutral","sentiment_score":-0.027455493807792664}],"sentiment":"neutral","sentiment_score":-0.027455493807792664,"channel":1,"num_words":1,"start":1834.49,"end":1834.875},{"sentences":[{"text":"updated them.","start":1834.66,"end":1835.54,"sentiment":"neutral","sentiment_score":-0.03140376787632704},{"text":"So","start":1835.54,"end":1835.8601,"sentiment":"neutral","sentiment_score":0.009303346276283264}],"sentiment":"neutral","sentiment_score":-0.017834729825456936,"channel":0,"num_words":3,"start":1834.66,"end":1835.8601},{"sentences":[{"text":"If","start":1835.755,"end":1835.915,"sentiment":"neutral","sentiment_score":0.029861055314540863}],"sentiment":"neutral","sentiment_score":0.029861055314540863,"channel":1,"num_words":1,"start":1835.755,"end":1835.915},{"sentences":[{"text":"I'm","start":1835.8601,"end":1835.9401,"sentiment":"neutral","sentiment_score":0.04307463765144348}],"sentiment":"neutral","sentiment_score":0.04307463765144348,"channel":0,"num_words":1,"start":1835.8601,"end":1835.9401},{"sentences":[{"text":"you","start":1835.915,"end":1836.075,"sentiment":"neutral","sentiment_score":0.04260854050517082}],"sentiment":"neutral","sentiment_score":0.04260854050517082,"channel":1,"num_words":1,"start":1835.915,"end":1836.075},{"sentences":[{"text":"like","start":1835.9401,"end":1836.3401,"sentiment":"neutral","sentiment_score":0.0545017309486866}],"sentiment":"neutral","sentiment_score":0.0545017309486866,"channel":0,"num_words":1,"start":1835.9401,"end":1836.3401},{"sentences":[{"text":"can email it to me, I can","start":1836.075,"end":1837.775,"sentiment":"neutral","sentiment_score":0.04592899712068694}],"sentiment":"neutral","sentiment_score":0.04592899712068694,"channel":1,"num_words":7,"start":1836.075,"end":1837.775},{"sentences":[{"text":"Yep.","start":1837.6201,"end":1838.1201,"sentiment":"neutral","sentiment_score":0.07140094041824341}],"sentiment":"neutral","sentiment_score":0.07140094041824341,"channel":0,"num_words":1,"start":1837.6201,"end":1838.1201},{"sentences":[{"text":"I can do that?","start":1837.915,"end":1838.895,"sentiment":"neutral","sentiment_score":0.10273083671927452}],"sentiment":"neutral","sentiment_score":0.10273083671927452,"channel":1,"num_words":4,"start":1837.915,"end":1838.895},{"sentences":[{"text":"I can get that organized.","start":1839.315,"end":1840.695,"sentiment":"neutral","sentiment_score":0.12776382714509965},{"text":"No worries at all.","start":1840.755,"end":1841.815,"sentiment":"neutral","sentiment_score":0.11032405495643616},{"text":"Now I'm","start":1844.0349,"end":1844.4349,"sentiment":"neutral","sentiment_score":0.04774905554950237}],"sentiment":"neutral","sentiment_score":0.10687395151365887,"channel":0,"num_words":11,"start":1839.315,"end":1844.4349},{"sentences":[{"text":"And","start":1844.395,"end":1844.555,"sentiment":"neutral","sentiment_score":0.019352730363607407}],"sentiment":"neutral","sentiment_score":0.019352730363607407,"channel":1,"num_words":1,"start":1844.395,"end":1844.555},{"sentences":[{"text":"assuming","start":1844.4349,"end":1844.6749,"sentiment":"neutral","sentiment_score":0.024243630468845367}],"sentiment":"neutral","sentiment_score":0.024243630468845367,"channel":0,"num_words":1,"start":1844.4349,"end":1844.6749},{"sentences":[{"text":"then","start":1844.555,"end":1844.715,"sentiment":"neutral","sentiment_score":0.0201499592512846}],"sentiment":"neutral","sentiment_score":0.0201499592512846,"channel":1,"num_words":1,"start":1844.555,"end":1844.715},{"sentences":[{"text":"because","start":1844.6749,"end":1844.9149,"sentiment":"neutral","sentiment_score":0.02634861320257187}],"sentiment":"neutral","sentiment_score":0.02634861320257187,"channel":0,"num_words":1,"start":1844.6749,"end":1844.9149},{"sentences":[{"text":"I can","start":1844.715,"end":1844.955,"sentiment":"neutral","sentiment_score":0.02655703481286764}],"sentiment":"neutral","sentiment_score":0.02655703481286764,"channel":1,"num_words":2,"start":1844.715,"end":1844.955},{"sentences":[{"text":"you","start":1844.9149,"end":1844.995,"sentiment":"neutral","sentiment_score":0.022724129259586338}],"sentiment":"neutral","sentiment_score":0.022724129259586338,"channel":0,"num_words":1,"start":1844.9149,"end":1844.995},{"sentences":[{"text":"just","start":1844.955,"end":1845.275,"sentiment":"neutral","sentiment_score":0.04770176112651825}],"sentiment":"neutral","sentiment_score":0.04770176112651825,"channel":1,"num_words":1,"start":1844.955,"end":1845.275},{"sentences":[{"text":"filled them","start":1844.995,"end":1845.3949,"sentiment":"neutral","sentiment_score":0.0500706946477294}],"sentiment":"neutral","sentiment_score":0.0500706946477294,"channel":0,"num_words":2,"start":1844.995,"end":1845.3949},{"sentences":[{"text":"email","start":1845.275,"end":1845.595,"sentiment":"neutral","sentiment_score":0.028012676164507862}],"sentiment":"neutral","sentiment_score":0.028012676164507862,"channel":1,"num_words":1,"start":1845.275,"end":1845.595},{"sentences":[{"text":"in before.","start":1845.3949,"end":1846.0549,"sentiment":"neutral","sentiment_score":0.02644997090101242}],"sentiment":"neutral","sentiment_score":0.02644997090101242,"channel":0,"num_words":2,"start":1845.3949,"end":1846.0549},{"sentences":[{"text":"it back?","start":1845.595,"end":1846.255,"sentiment":"neutral","sentiment_score":0.013876853510737419}],"sentiment":"neutral","sentiment_score":0.013876853510737419,"channel":1,"num_words":2,"start":1845.595,"end":1846.255},{"sentences":[{"text":"Yes.","start":1847.5549,"end":1847.875,"sentiment":"neutral","sentiment_score":0.11720077693462372},{"text":"Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with","start":1847.875,"end":1855.6,"sentiment":"neutral","sentiment_score":0.162470530718565}],"sentiment":"neutral","sentiment_score":0.16058429097756743,"channel":0,"num_words":24,"start":1847.5549,"end":1855.6},{"sentences":[{"text":"Yeah.","start":1855.4501,"end":1855.9501,"sentiment":"neutral","sentiment_score":0.09276240319013596}],"sentiment":"neutral","sentiment_score":0.09276240319013596,"channel":1,"num_words":1,"start":1855.4501,"end":1855.9501},{"sentences":[{"text":"the two witnesses on the same date.","start":1855.6,"end":1858.02,"sentiment":"neutral","sentiment_score":0.0677839991237436}],"sentiment":"neutral","sentiment_score":0.0677839991237436,"channel":0,"num_words":7,"start":1855.6,"end":1858.02},{"sentences":[{"text":"Sure.","start":1858.73,"end":1859.23,"sentiment":"neutral","sentiment_score":0.18395447731018064}],"sentiment":"neutral","sentiment_score":0.18395447731018064,"channel":1,"num_words":1,"start":1858.73,"end":1859.23},{"sentences":[{"text":"Alrighty.","start":1860.1599,"end":1860.64,"sentiment":"neutral","sentiment_score":0.19827988743782043},{"text":"So I'll put that in for a bit of a return there.","start":1860.64,"end":1863.12,"sentiment":"neutral","sentiment_score":0.17409184947609901},{"text":"Let me just double check as well while I've got you.","start":1863.12,"end":1865.7799,"sentiment":"neutral","sentiment_score":0.10312984341924841},{"text":"Is your life insurance through MetLife?","start":1865.9199,"end":1869.875,"sentiment":"neutral","sentiment_score":0.03375387378036976}],"sentiment":"neutral","sentiment_score":0.12081112004816533,"channel":0,"num_words":30,"start":1860.1599,"end":1869.875},{"sentences":[{"text":"Yes.","start":1870.8351,"end":1871.3351,"sentiment":"neutral","sentiment_score":0.049268271774053574}],"sentiment":"neutral","sentiment_score":0.049268271774053574,"channel":1,"num_words":1,"start":1870.8351,"end":1871.3351},{"sentences":[{"text":"We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover.","start":1871.775,"end":1878.255,"sentiment":"neutral","sentiment_score":0.03452273849397898},{"text":"It's your lump sums if you pass away or can never work again.","start":1878.255,"end":1882.26,"sentiment":"neutral","sentiment_score":-0.0860135371152025},{"text":"You've just had","start":1882.42,"end":1883.14,"sentiment":"neutral","sentiment_score":-0.002258092941095432}],"sentiment":"neutral","sentiment_score":-0.012069319206703868,"channel":0,"num_words":36,"start":1871.775,"end":1883.14},{"sentences":[{"text":"Yeah.","start":1883.01,"end":1883.51,"sentiment":"neutral","sentiment_score":0.0032521840184926987}],"sentiment":"neutral","sentiment_score":0.0032521840184926987,"channel":1,"num_words":1,"start":1883.01,"end":1883.51},{"sentences":[{"text":"an anniversary on the April 2.","start":1883.14,"end":1885.3201,"sentiment":"neutral","sentiment_score":0.010611390384534994},{"text":"Did you want Theo listed as the life insurance beneficiary as well?","start":1885.62,"end":1890.74,"sentiment":"neutral","sentiment_score":0.016439707794537146},{"text":"It's for life insurance, it could be pretty much anybody.","start":1890.74,"end":1893.56,"sentiment":"neutral","sentiment_score":-0.016328980587422846}],"sentiment":"neutral","sentiment_score":0.0034876796416938305,"channel":0,"num_words":28,"start":1883.14,"end":1893.56},{"sentences":[{"text":"Yeah.","start":1895.505,"end":1896.005,"sentiment":"neutral","sentiment_score":0.03080848604440689},{"text":"Yeah.","start":1896.625,"end":1897.0249,"sentiment":"neutral","sentiment_score":0.029358308762311935},{"text":"I mean, it's yeah.","start":1897.0249,"end":1901.38,"sentiment":"neutral","sentiment_score":0.029497130773961544},{"text":"They're they're cleared with the Medicare.","start":1901.38,"end":1903.48,"sentiment":"neutral","sentiment_score":0.022498756957550842}],"sentiment":"neutral","sentiment_score":0.02609565497065584,"channel":1,"num_words":12,"start":1895.505,"end":1903.48},{"sentences":[{"text":"K.","start":1904.115,"end":1904.435,"sentiment":"neutral","sentiment_score":0.11078360676765442},{"text":"Cool.","start":1904.435,"end":1904.755,"sentiment":"neutral","sentiment_score":0.26401054859161377},{"text":"I I can do that for both.","start":1904.755,"end":1906.035,"sentiment":"neutral","sentiment_score":0.2709488549402782},{"text":"That's no worries at all.","start":1906.035,"end":1907.415,"sentiment":"neutral","sentiment_score":0.2982005953788757}],"sentiment":"neutral","sentiment_score":0.26874565120254246,"channel":0,"num_words":14,"start":1904.115,"end":1907.415},{"sentences":[{"text":"Mhmm.","start":1907.7,"end":1908.2,"sentiment":"neutral","sentiment_score":0.08443734049797058}],"sentiment":"neutral","sentiment_score":0.08443734049797058,"channel":1,"num_words":1,"start":1907.7,"end":1908.2},{"sentences":[{"text":"It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those","start":1907.715,"end":1914.6799,"sentiment":"neutral","sentiment_score":0.02946917053598624}],"sentiment":"neutral","sentiment_score":0.02946917053598624,"channel":0,"num_words":26,"start":1907.715,"end":1914.6799},{"sentences":[{"text":"Yes.","start":1914.595,"end":1915.095,"sentiment":"neutral","sentiment_score":0.17802254855632782}],"sentiment":"neutral","sentiment_score":0.17802254855632782,"channel":1,"num_words":1,"start":1914.595,"end":1915.095},{"sentences":[{"text":"up perfectly fine.","start":1914.6799,"end":1915.98,"sentiment":"neutral","sentiment_score":0.2592764546473821},{"text":"Two quick questions on it.","start":1917.88,"end":1919.5599,"sentiment":"neutral","sentiment_score":0.08704771399497986},{"text":"You do have","start":1919.5599,"end":1920.0399,"sentiment":"neutral","sentiment_score":0.10747228066126506}],"sentiment":"neutral","sentiment_score":0.13958952508189462,"channel":0,"num_words":11,"start":1914.6799,"end":1920.0399},{"sentences":[{"text":"Mhmm.","start":1920.035,"end":1920.535,"sentiment":"neutral","sentiment_score":0.08429382741451263}],"sentiment":"neutral","sentiment_score":0.08429382741451263,"channel":1,"num_words":1,"start":1920.035,"end":1920.535},{"sentences":[{"text":"the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it.","start":1920.0399,"end":1929.5349,"sentiment":"neutral","sentiment_score":0.062255407473252665}],"sentiment":"neutral","sentiment_score":0.062255407473252665,"channel":0,"num_words":31,"start":1920.0399,"end":1929.5349},{"sentences":[{"text":"Yep.","start":1930.13,"end":1930.29,"sentiment":"neutral","sentiment_score":0.11658914387226103},{"text":"Yeah.","start":1930.29,"end":1930.79,"sentiment":"neutral","sentiment_score":0.12834767997264862},{"text":"No.","start":1932.37,"end":1932.61,"sentiment":"neutral","sentiment_score":0.07390530407428741},{"text":"I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married.","start":1932.61,"end":1940.785,"sentiment":"neutral","sentiment_score":0.16184134811162948},{"text":"Positive","start":1941.085,"end":1941.565,"sentiment":"neutral","sentiment_score":0.3065677285194397}],"sentiment":"neutral","sentiment_score":0.16108426066308185,"channel":1,"num_words":29,"start":1930.13,"end":1941.565},{"sentences":[{"text":"Yep.","start":1941.45,"end":1941.95,"sentiment":"neutral","sentiment_score":0.3296957015991211}],"sentiment":"neutral","sentiment_score":0.3296957015991211,"channel":0,"num_words":1,"start":1941.45,"end":1941.95},{"sentences":[{"text":"positive foreshadowing.","start":1941.725,"end":1942.785,"sentiment":"positive","sentiment_score":0.42081741988658905}],"sentiment":"positive","sentiment_score":0.42081741988658905,"channel":1,"num_words":2,"start":1941.725,"end":1942.785},{"sentences":[{"text":"Okay.","start":1943.53,"end":1944.03,"sentiment":"neutral","sentiment_score":0.13325604796409607},{"text":"Positive foreshadowing is good.","start":1944.4099,"end":1946.25,"sentiment":"positive","sentiment_score":0.7311772257089615},{"text":"I have had some interesting conversations over the years, but we can do that.","start":1946.25,"end":1950.125,"sentiment":"neutral","sentiment_score":0.2906913810542652},{"text":"And, look, we'll touch on it every review anyway just in case.","start":1950.125,"end":1953.745,"sentiment":"neutral","sentiment_score":0.19784463321169218},{"text":"Cool.","start":1956.5249,"end":1957.0249,"sentiment":"positive","sentiment_score":0.3471619486808777}],"sentiment":"neutral","sentiment_score":0.3077794322744012,"channel":0,"num_words":32,"start":1943.53,"end":1957.0249},{"sentences":[{"text":"Just quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to","start":1957.565,"end":1963.91,"sentiment":"neutral","sentiment_score":0.15827142223715782}],"sentiment":"neutral","sentiment_score":0.15827142223715782,"channel":0,"num_words":20,"start":1957.565,"end":1963.91},{"sentences":[{"text":"Mhmm.","start":1963.765,"end":1964.265,"sentiment":"neutral","sentiment_score":0.09345321357250214}],"sentiment":"neutral","sentiment_score":0.09345321357250214,"channel":1,"num_words":1,"start":1963.765,"end":1964.265},{"sentences":[{"text":"double check with you as well.","start":1963.91,"end":1965.11,"sentiment":"neutral","sentiment_score":0.08214964593450229},{"text":"So let's say that situation happens.","start":1965.11,"end":1967.91,"sentiment":"neutral","sentiment_score":0.014488573496540388},{"text":"Your car accident can never work again.","start":1967.91,"end":1970.8099,"sentiment":"neutral","sentiment_score":-0.10882913853440966},{"text":"There's 550,000 comes out plus your 100","start":1970.95,"end":1974.79,"sentiment":"neutral","sentiment_score":0.040890185960701535}],"sentiment":"neutral","sentiment_score":0.00400987109885766,"channel":0,"num_words":26,"start":1963.91,"end":1974.79},{"sentences":[{"text":"Yep.","start":1974.73,"end":1975.23,"sentiment":"neutral","sentiment_score":0.04194860905408859}],"sentiment":"neutral","sentiment_score":0.04194860905408859,"channel":1,"num_words":1,"start":1974.73,"end":1975.23},{"sentences":[{"text":"and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over.","start":1974.79,"end":1983.345,"sentiment":"neutral","sentiment_score":0.04257602235745816},{"text":"Just wanted to double","start":1983.345,"end":1984.385,"sentiment":"neutral","sentiment_score":0.02158745937049389}],"sentiment":"neutral","sentiment_score":0.03921785227954388,"channel":0,"num_words":25,"start":1974.79,"end":1984.385},{"sentences":[{"text":"Mhmm.","start":1984.1699,"end":1984.6699,"sentiment":"neutral","sentiment_score":0.02177085541188717}],"sentiment":"neutral","sentiment_score":0.02177085541188717,"channel":1,"num_words":1,"start":1984.1699,"end":1984.6699},{"sentences":[{"text":"check with you that situation.","start":1984.385,"end":1986.325,"sentiment":"neutral","sentiment_score":0.00266021192073822},{"text":"Does that sound okay for you guys?","start":1986.385,"end":1988.245,"sentiment":"neutral","sentiment_score":0.023946461134723256},{"text":"Is that too high?","start":1989.505,"end":1990.3049,"sentiment":"neutral","sentiment_score":-0.10955303348600864},{"text":"Is that too low?","start":1990.3049,"end":1991.34,"sentiment":"neutral","sentiment_score":-0.11080482043325901}],"sentiment":"neutral","sentiment_score":-0.03502525640651584,"channel":0,"num_words":20,"start":1984.385,"end":1991.34},{"sentences":[{"text":"I think that's Okay.","start":1992.345,"end":1993.945,"sentiment":"neutral","sentiment_score":-0.04338546399958432},{"text":"At the moment.","start":1993.945,"end":1994.6849,"sentiment":"neutral","sentiment_score":0.007552473495403924}],"sentiment":"neutral","sentiment_score":-0.02155491935887507,"channel":1,"num_words":7,"start":1992.345,"end":1994.6849},{"sentences":[{"text":"Yep.","start":1996.38,"end":1996.88,"sentiment":"neutral","sentiment_score":0.03447486087679863},{"text":"And just having a look at the price there.","start":1997.02,"end":2000.0,"sentiment":"neutral","sentiment_score":0.01016899881263574},{"text":"Yeah.","start":2001.5,"end":2001.82,"sentiment":"neutral","sentiment_score":0.05428542196750641},{"text":"Look.","start":2001.82,"end":2002.22,"sentiment":"neutral","sentiment_score":0.05922619253396988},{"text":"I'm not too concerned about the life and TPD.","start":2002.22,"end":2004.4,"sentiment":"neutral","sentiment_score":0.04406154486868116}],"sentiment":"neutral","sentiment_score":0.030288636595720335,"channel":0,"num_words":21,"start":1996.38,"end":2004.4},{"sentences":[{"text":"When you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well.","start":2004.5399,"end":2012.795,"sentiment":"neutral","sentiment_score":0.10587734395060046},{"text":"So it's not really, like, slowing down your growth, if that makes sense.","start":2012.795,"end":2016.095,"sentiment":"neutral","sentiment_score":0.03555290658886616}],"sentiment":"neutral","sentiment_score":0.08411025619577794,"channel":0,"num_words":42,"start":2004.5399,"end":2016.095},{"sentences":[{"text":"Yeah.","start":2016.72,"end":2017.22,"sentiment":"neutral","sentiment_score":0.057497669011354446}],"sentiment":"neutral","sentiment_score":0.057497669011354446,"channel":1,"num_words":1,"start":2016.72,"end":2017.22},{"sentences":[{"text":"You do have the last one I wanted to touch on was your income protection.","start":2018.235,"end":2022.15,"sentiment":"neutral","sentiment_score":0.04771336726844311},{"text":"You've","start":2022.93,"end":2023.3301,"sentiment":"neutral","sentiment_score":0.036090586334466934}],"sentiment":"neutral","sentiment_score":0.0469869434600696,"channel":0,"num_words":16,"start":2018.235,"end":2023.3301},{"sentences":[{"text":"Yep.","start":2023.095,"end":2023.595,"sentiment":"neutral","sentiment_score":0.03394172340631485}],"sentiment":"neutral","sentiment_score":0.03394172340631485,"channel":1,"num_words":1,"start":2023.095,"end":2023.595},{"sentences":[{"text":"got a ninety day waiting period.","start":2023.3301,"end":2025.97,"sentiment":"neutral","sentiment_score":0.022742602042853832},{"text":"So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness","start":2025.97,"end":2033.73,"sentiment":"neutral","sentiment_score":-0.017785351119797538}],"sentiment":"neutral","sentiment_score":-0.010416632362951836,"channel":0,"num_words":33,"start":2023.3301,"end":2033.73},{"sentences":[{"text":"Yeah.","start":2033.59,"end":2034.09,"sentiment":"neutral","sentiment_score":-0.05280469357967377}],"sentiment":"neutral","sentiment_score":-0.05280469357967377,"channel":1,"num_words":1,"start":2033.59,"end":2034.09},{"sentences":[{"text":"or injury lasts that long.","start":2033.73,"end":2035.35,"sentiment":"neutral","sentiment_score":-0.07598787099123001}],"sentiment":"neutral","sentiment_score":-0.07598787099123001,"channel":0,"num_words":5,"start":2033.73,"end":2035.35},{"sentences":[{"text":"Mhmm.","start":2035.75,"end":2036.25,"sentiment":"neutral","sentiment_score":0.023433033376932144}],"sentiment":"neutral","sentiment_score":0.023433033376932144,"channel":1,"num_words":1,"start":2035.75,"end":2036.25},{"sentences":[{"text":"You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that","start":2035.965,"end":2043.485,"sentiment":"neutral","sentiment_score":0.04473461110431414}],"sentiment":"neutral","sentiment_score":0.04473461110431414,"channel":0,"num_words":26,"start":2035.965,"end":2043.485},{"sentences":[{"text":"Yeah.","start":2043.4299,"end":2043.83,"sentiment":"neutral","sentiment_score":0.0342959389090538}],"sentiment":"neutral","sentiment_score":0.0342959389090538,"channel":1,"num_words":1,"start":2043.4299,"end":2043.83},{"sentences":[{"text":"event.","start":2043.485,"end":2043.885,"sentiment":"neutral","sentiment_score":0.0743212103843689}],"sentiment":"neutral","sentiment_score":0.0743212103843689,"channel":0,"num_words":1,"start":2043.485,"end":2043.885},{"sentences":[{"text":"I","start":2043.83,"end":2043.9099,"sentiment":"neutral","sentiment_score":0.16488422453403473}],"sentiment":"neutral","sentiment_score":0.16488422453403473,"channel":1,"num_words":1,"start":2043.83,"end":2043.9099},{"sentences":[{"text":"Is","start":2043.885,"end":2044.045,"sentiment":"neutral","sentiment_score":0.16547274589538574}],"sentiment":"neutral","sentiment_score":0.16547274589538574,"channel":0,"num_words":1,"start":2043.885,"end":2044.045},{"sentences":[{"text":"put","start":2043.9099,"end":2044.1499,"sentiment":"neutral","sentiment_score":0.1417899876832962}],"sentiment":"neutral","sentiment_score":0.1417899876832962,"channel":1,"num_words":1,"start":2043.9099,"end":2044.1499},{"sentences":[{"text":"that","start":2044.045,"end":2044.545,"sentiment":"neutral","sentiment_score":0.19725728034973145}],"sentiment":"neutral","sentiment_score":0.19725728034973145,"channel":0,"num_words":1,"start":2044.045,"end":2044.545},{"sentences":[{"text":"a good bank and sick leave as well because, like yeah.","start":2044.1499,"end":2047.355,"sentiment":"neutral","sentiment_score":0.19834171777421777},{"text":"We've I work for the Department of Education, so it doesn't really matter if I move schools and things.","start":2047.355,"end":2051.295,"sentiment":"neutral","sentiment_score":0.10940737159628618}],"sentiment":"neutral","sentiment_score":0.14201663186152777,"channel":1,"num_words":30,"start":2044.1499,"end":2051.295},{"sentences":[{"text":"Yep.","start":2051.58,"end":2052.08,"sentiment":"neutral","sentiment_score":0.18247739970684052}],"sentiment":"neutral","sentiment_score":0.18247739970684052,"channel":0,"num_words":1,"start":2051.58,"end":2052.08},{"sentences":[{"text":"It's still the same employer.","start":2051.9949,"end":2053.2148,"sentiment":"neutral","sentiment_score":0.23369594812393188}],"sentiment":"neutral","sentiment_score":0.23369594812393188,"channel":1,"num_words":5,"start":2051.9949,"end":2053.2148},{"sentences":[{"text":"Perfect.","start":2053.98,"end":2054.48,"sentiment":"positive","sentiment_score":0.5189023017883301},{"text":"Now your cover amount is $7,555 per month, and you do have indexation on that.","start":2054.78,"end":2062.315,"sentiment":"neutral","sentiment_score":0.22691226601600648},{"text":"So it does increase with inflation.","start":2062.315,"end":2063.9348,"sentiment":"neutral","sentiment_score":0.19994807243347168}],"sentiment":"neutral","sentiment_score":0.23283066939223895,"channel":0,"num_words":22,"start":2053.98,"end":2063.9348},{"sentences":[{"text":"Mhmm.","start":2064.78,"end":2065.28,"sentiment":"neutral","sentiment_score":0.06802347302436829}],"sentiment":"neutral","sentiment_score":0.06802347302436829,"channel":1,"num_words":1,"start":2064.78,"end":2065.28},{"sentences":[{"text":"Assuming I'm just gonna quickly work back the figures here.","start":2065.035,"end":2068.015,"sentiment":"neutral","sentiment_score":0.06645729430019856},{"text":"So that's protecting an income of 130,000, technically speaking.","start":2068.6348,"end":2073.95,"sentiment":"neutral","sentiment_score":0.1479701441195276}],"sentiment":"neutral","sentiment_score":0.10506864421461758,"channel":0,"num_words":19,"start":2065.035,"end":2073.95},{"sentences":[{"text":"Okay.","start":2073.725,"end":2074.225,"sentiment":"neutral","sentiment_score":0.21456483006477356}],"sentiment":"neutral","sentiment_score":0.21456483006477356,"channel":1,"num_words":1,"start":2073.725,"end":2074.225},{"sentences":[{"text":"I think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about.","start":2074.73,"end":2080.91,"sentiment":"neutral","sentiment_score":0.15927681068961436},{"text":"Just double checking that still covers the expenses for you guys.","start":2080.97,"end":2084.43,"sentiment":"neutral","sentiment_score":0.167507988485423}],"sentiment":"neutral","sentiment_score":0.1617239176018818,"channel":0,"num_words":37,"start":2074.73,"end":2084.43},{"sentences":[{"text":"Mhmm.","start":2084.845,"end":2084.925,"sentiment":"neutral","sentiment_score":0.09532524645328522},{"text":"Yeah.","start":2084.925,"end":2085.165,"sentiment":"neutral","sentiment_score":0.16860824823379517},{"text":"I think that should","start":2085.165,"end":2086.16,"sentiment":"neutral","sentiment_score":0.330396331846714}],"sentiment":"neutral","sentiment_score":0.2642531370123227,"channel":1,"num_words":6,"start":2084.845,"end":2086.16},{"sentences":[{"text":"Cool.","start":2086.7449,"end":2087.2249,"sentiment":"positive","sentiment_score":0.33722615242004395},{"text":"Because technically, you can go","start":2087.2249,"end":2088.6648,"sentiment":"neutral","sentiment_score":0.17633671164512635}],"sentiment":"neutral","sentiment_score":0.20315161844094595,"channel":0,"num_words":6,"start":2086.7449,"end":2088.6648},{"sentences":[{"text":"be","start":2088.6636,"end":2089.1636,"sentiment":"neutral","sentiment_score":0.10058706998825072}],"sentiment":"neutral","sentiment_score":0.10058706998825072,"channel":1,"num_words":1,"start":2088.6636,"end":2089.1636},{"sentences":[{"text":"for more based on the higher income.","start":2088.6648,"end":2090.345,"sentiment":"neutral","sentiment_score":0.11795813590288162},{"text":"But, again, if that","start":2090.345,"end":2091.785,"sentiment":"neutral","sentiment_score":0.03232996352016926}],"sentiment":"neutral","sentiment_score":0.0868206186728044,"channel":0,"num_words":11,"start":2088.6648,"end":2091.785},{"sentences":[{"text":"okay.","start":2091.6675,"end":2092.1675,"sentiment":"neutral","sentiment_score":0.029744381085038185}],"sentiment":"neutral","sentiment_score":0.029744381085038185,"channel":1,"num_words":1,"start":2091.6675,"end":2092.1675},{"sentences":[{"text":"contract is temporary, I don't wanna kind of increase your insurance","start":2091.785,"end":2094.7449,"sentiment":"neutral","sentiment_score":-0.12484360824931752}],"sentiment":"neutral","sentiment_score":-0.12484360824931752,"channel":0,"num_words":11,"start":2091.785,"end":2094.7449},{"sentences":[{"text":"Yep.","start":2094.6714,"end":2095.1714,"sentiment":"neutral","sentiment_score":-0.0954534113407135}],"sentiment":"neutral","sentiment_score":-0.0954534113407135,"channel":1,"num_words":1,"start":2094.6714,"end":2095.1714},{"sentences":[{"text":"and then all of a sudden have to decrease it again, and then you pay more than what you can claim on.","start":2094.7449,"end":2099.64,"sentiment":"neutral","sentiment_score":-0.06483830020508984}],"sentiment":"neutral","sentiment_score":-0.06483830020508984,"channel":0,"num_words":22,"start":2094.7449,"end":2099.64},{"sentences":[{"text":"Yes.","start":2100.075,"end":2100.575,"sentiment":"neutral","sentiment_score":0.19393229484558103}],"sentiment":"neutral","sentiment_score":0.19393229484558103,"channel":1,"num_words":1,"start":2100.075,"end":2100.575},{"sentences":[{"text":"Perfect.","start":2101.5598,"end":2102.0598,"sentiment":"positive","sentiment_score":0.46950003504753113},{"text":"Alrighty.","start":2102.68,"end":2103.18,"sentiment":"positive","sentiment_score":0.3646157383918762},{"text":"Simone, we have gone through quite a few different areas tonight.","start":2103.7998,"end":2107.0999,"sentiment":"neutral","sentiment_score":0.24213738197630102},{"text":"Do you have any questions for me so far?","start":2107.3198,"end":2109.3398,"sentiment":"neutral","sentiment_score":0.14623808198504978}],"sentiment":"neutral","sentiment_score":0.2188077142292803,"channel":0,"num_words":22,"start":2101.5598,"end":2109.3398},{"sentences":[{"text":"Mhmm.","start":2109.595,"end":2109.7551,"sentiment":"neutral","sentiment_score":0.016649875789880753},{"text":"Not at all good.","start":2109.7551,"end":2110.815,"sentiment":"neutral","sentiment_score":-0.1257946789264679}],"sentiment":"neutral","sentiment_score":-0.09730576798319816,"channel":1,"num_words":5,"start":2109.595,"end":2110.815},{"sentences":[{"text":"Okay.","start":2111.48,"end":2111.7998,"sentiment":"neutral","sentiment_score":0.06090036407113075},{"text":"So the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and","start":2111.7998,"end":2119.065,"sentiment":"neutral","sentiment_score":0.14786039479076862}],"sentiment":"neutral","sentiment_score":0.1443819935619831,"channel":0,"num_words":25,"start":2111.48,"end":2119.065},{"sentences":[{"text":"Mhmm.","start":2119.02,"end":2119.52,"sentiment":"neutral","sentiment_score":0.1172909289598465}],"sentiment":"neutral","sentiment_score":0.1172909289598465,"channel":1,"num_words":1,"start":2119.02,"end":2119.52},{"sentences":[{"text":"then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares.","start":2119.065,"end":2126.41,"sentiment":"neutral","sentiment_score":0.1979486724982659},{"text":"We'll kind","start":2126.63,"end":2127.1099,"sentiment":"neutral","sentiment_score":0.22685711830854416}],"sentiment":"neutral","sentiment_score":0.20017239909905654,"channel":0,"num_words":26,"start":2119.065,"end":2127.1099},{"sentences":[{"text":"Yep.","start":2127.02,"end":2127.315,"sentiment":"neutral","sentiment_score":0.2017212361097336}],"sentiment":"neutral","sentiment_score":0.2017212361097336,"channel":1,"num_words":1,"start":2127.02,"end":2127.315},{"sentences":[{"text":"of leave the insurance alone for the time being,","start":2127.1099,"end":2129.93,"sentiment":"neutral","sentiment_score":0.16791009075111812}],"sentiment":"neutral","sentiment_score":0.16791009075111812,"channel":0,"num_words":9,"start":2127.1099,"end":2129.93},{"sentences":[{"text":"Yep.","start":2130.275,"end":2130.775,"sentiment":"neutral","sentiment_score":0.16133810579776764}],"sentiment":"neutral","sentiment_score":0.16133810579776764,"channel":1,"num_words":1,"start":2130.275,"end":2130.775},{"sentences":[{"text":"and then just update your estate planning, get your beneficiaries up to date as well.","start":2130.47,"end":2135.2898,"sentiment":"neutral","sentiment_score":0.2172515034675598}],"sentiment":"neutral","sentiment_score":0.2172515034675598,"channel":0,"num_words":15,"start":2130.47,"end":2135.2898},{"sentences":[{"text":"Right.","start":2135.7148,"end":2136.2148,"sentiment":"neutral","sentiment_score":0.2594829201698303}],"sentiment":"neutral","sentiment_score":0.2594829201698303,"channel":1,"num_words":1,"start":2135.7148,"end":2136.2148},{"sentences":[{"text":"Cool.","start":2137.045,"end":2137.365,"sentiment":"positive","sentiment_score":0.3794955015182495},{"text":"When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go.","start":2137.365,"end":2142.725,"sentiment":"positive","sentiment_score":0.38427685839789255},{"text":"And then at","start":2142.725,"end":2143.205,"sentiment":"neutral","sentiment_score":0.1612591544787089}],"sentiment":"positive","sentiment_score":0.3573234796524048,"channel":0,"num_words":25,"start":2137.045,"end":2143.205},{"sentences":[{"text":"Mhmm.","start":2143.15,"end":2143.65,"sentiment":"neutral","sentiment_score":0.1375730186700821}],"sentiment":"neutral","sentiment_score":0.1375730186700821,"channel":1,"num_words":1,"start":2143.15,"end":2143.65},{"sentences":[{"text":"the next review, we'll kind of touch base on it.","start":2143.205,"end":2145.925,"sentiment":"neutral","sentiment_score":0.16734947711229325},{"text":"And if we need to start using a platform, we can go through, like, that personal risk profile with you and build you","start":2145.925,"end":2152.0999,"sentiment":"neutral","sentiment_score":0.1556038088772608}],"sentiment":"neutral","sentiment_score":0.15916310228181607,"channel":0,"num_words":33,"start":2143.205,"end":2152.0999},{"sentences":[{"text":"Yeah.","start":2151.95,"end":2152.45,"sentiment":"neutral","sentiment_score":0.09666875749826433}],"sentiment":"neutral","sentiment_score":0.09666875749826433,"channel":1,"num_words":1,"start":2151.95,"end":2152.45},{"sentences":[{"text":"a bit of a portfolio there as well.","start":2152.0999,"end":2154.1199,"sentiment":"neutral","sentiment_score":0.10646627936512232}],"sentiment":"neutral","sentiment_score":0.10646627936512232,"channel":0,"num_words":8,"start":2152.0999,"end":2154.1199},{"sentences":[{"text":"Okay.","start":2154.51,"end":2154.99,"sentiment":"neutral","sentiment_score":0.1606520563364029},{"text":"Perfect.","start":2154.99,"end":2155.49,"sentiment":"neutral","sentiment_score":0.16532161831855774}],"sentiment":"neutral","sentiment_score":0.16298683732748032,"channel":1,"num_words":2,"start":2154.51,"end":2155.49},{"sentences":[{"text":"Okay.","start":2156.18,"end":2156.68,"sentiment":"neutral","sentiment_score":0.035831306129693985}],"sentiment":"neutral","sentiment_score":0.035831306129693985,"channel":0,"num_words":1,"start":2156.18,"end":2156.68},{"sentences":[{"text":"Sorry.","start":2156.2449,"end":2156.565,"sentiment":"neutral","sentiment_score":-0.033468231558799744},{"text":"Sorry.","start":2156.565,"end":2156.9648,"sentiment":"neutral","sentiment_score":-0.07423800975084305},{"text":"I was right at the beginning of the call.","start":2156.9648,"end":2158.2449,"sentiment":"neutral","sentiment_score":-0.037802191658152476},{"text":"Did you say it was about 5 k at like, last time we did our review for these shares?","start":2158.2449,"end":2163.065,"sentiment":"neutral","sentiment_score":-0.018487167054493176}],"sentiment":"neutral","sentiment_score":-0.026639404675612845,"channel":1,"num_words":30,"start":2156.2449,"end":2163.065},{"sentences":[{"text":"Oh, sorry.","start":2164.7551,"end":2165.155,"sentiment":"neutral","sentiment_score":-0.02551069762557745},{"text":"Could you repeat that for me?","start":2165.155,"end":2166.5352,"sentiment":"neutral","sentiment_score":-0.01859729317948222}],"sentiment":"neutral","sentiment_score":-0.02032564429100603,"channel":0,"num_words":8,"start":2164.7551,"end":2166.5352},{"sentences":[{"text":"When we were discussing the shares before, from what I had","start":2167.845,"end":2170.645,"sentiment":"neutral","sentiment_score":-0.0029680297117341647}],"sentiment":"neutral","sentiment_score":-0.0029680297117341647,"channel":1,"num_words":11,"start":2167.845,"end":2170.645},{"sentences":[{"text":"Yep.","start":2170.595,"end":2171.095,"sentiment":"neutral","sentiment_score":0.0011525582522153854}],"sentiment":"neutral","sentiment_score":0.0011525582522153854,"channel":0,"num_words":1,"start":2170.595,"end":2171.095},{"sentences":[{"text":"last year, was it around 5","start":2170.645,"end":2173.13,"sentiment":"neutral","sentiment_score":-0.0019884159167607627}],"sentiment":"neutral","sentiment_score":-0.0019884159167607627,"channel":1,"num_words":6,"start":2170.645,"end":2173.13},{"sentences":[{"text":"Yes.","start":2173.73,"end":2174.05,"sentiment":"neutral","sentiment_score":0.03337383642792702},{"text":"That's right.","start":2174.05,"end":2174.6099,"sentiment":"neutral","sentiment_score":0.04955143295228481},{"text":"I think the last figure I had","start":2174.6099,"end":2175.89,"sentiment":"neutral","sentiment_score":-0.00484314002096653}],"sentiment":"neutral","sentiment_score":0.009857472218573093,"channel":0,"num_words":10,"start":2173.73,"end":2175.89},{"sentences":[{"text":"k?","start":2175.67,"end":2176.17,"sentiment":"neutral","sentiment_score":-0.007581830956041813}],"sentiment":"neutral","sentiment_score":-0.007581830956041813,"channel":1,"num_words":1,"start":2175.67,"end":2176.17},{"sentences":[{"text":"when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment?","start":2175.89,"end":2180.15,"sentiment":"neutral","sentiment_score":0.000497364659646624}],"sentiment":"neutral","sentiment_score":0.000497364659646624,"channel":0,"num_words":19,"start":2175.89,"end":2180.15},{"sentences":[{"text":"Okay.","start":2180.5498,"end":2181.0498,"sentiment":"neutral","sentiment_score":0.024275798350572583}],"sentiment":"neutral","sentiment_score":0.024275798350572583,"channel":1,"num_words":1,"start":2180.5498,"end":2181.0498},{"sentences":[{"text":"Yep.","start":2182.05,"end":2182.55,"sentiment":"neutral","sentiment_score":0.01809758134186268}],"sentiment":"neutral","sentiment_score":0.01809758134186268,"channel":0,"num_words":1,"start":2182.05,"end":2182.55},{"sentences":[{"text":"Yeah.","start":2182.0698,"end":2182.5698,"sentiment":"neutral","sentiment_score":0.013682889752089976},{"text":"Okay.","start":2183.5898,"end":2184.0698,"sentiment":"positive","sentiment_score":0.38338732719421387},{"text":"Good.","start":2184.0698,"end":2184.39,"sentiment":"positive","sentiment_score":0.6456359028816223},{"text":"Great.","start":2184.39,"end":2184.825,"sentiment":"positive","sentiment_score":0.6834578514099121}],"sentiment":"positive","sentiment_score":0.43154099280945957,"channel":1,"num_words":4,"start":2182.0698,"end":2184.825},{"sentences":[{"text":"So look.","start":2186.3052,"end":2186.5452,"sentiment":"positive","sentiment_score":0.3353832811117172},{"text":"All in all, mortgage is going down.","start":2186.5452,"end":2188.705,"sentiment":"neutral","sentiment_score":-0.0030900495392935617},{"text":"You've still got some savings, and you're building up some investments.","start":2188.705,"end":2191.2651,"sentiment":"neutral","sentiment_score":0.1387923021208156},{"text":"And you know how we were talking about the offset account idea before?","start":2191.2651,"end":2194.8052,"sentiment":"neutral","sentiment_score":0.029180677894216318}],"sentiment":"neutral","sentiment_score":0.07743031367885345,"channel":0,"num_words":33,"start":2186.3052,"end":2194.8052},{"sentences":[{"text":"Mhmm.","start":2195.385,"end":2195.885,"sentiment":"neutral","sentiment_score":0.041864048689603806}],"sentiment":"neutral","sentiment_score":0.041864048689603806,"channel":1,"num_words":1,"start":2195.385,"end":2195.885},{"sentences":[{"text":"If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of","start":2196.145,"end":2203.11,"sentiment":"neutral","sentiment_score":0.11254164868074915}],"sentiment":"neutral","sentiment_score":0.11254164868074915,"channel":0,"num_words":23,"start":2196.145,"end":2203.11},{"sentences":[{"text":"Okay.","start":2202.9202,"end":2203.4202,"sentiment":"neutral","sentiment_score":0.10105268657207488}],"sentiment":"neutral","sentiment_score":0.10105268657207488,"channel":1,"num_words":1,"start":2202.9202,"end":2203.4202},{"sentences":[{"text":"building up that wealth and equity much quicker in the background that","start":2203.11,"end":2207.03,"sentiment":"neutral","sentiment_score":0.19490803219377995}],"sentiment":"neutral","sentiment_score":0.19490803219377995,"channel":0,"num_words":12,"start":2203.11,"end":2207.03},{"sentences":[{"text":"Yeah.","start":2206.76,"end":2207.26,"sentiment":"neutral","sentiment_score":0.050605881959199905}],"sentiment":"neutral","sentiment_score":0.050605881959199905,"channel":1,"num_words":1,"start":2206.76,"end":2207.26},{"sentences":[{"text":"at some point, you could possibly even just pay off the mortgage with it as well.","start":2207.03,"end":2211.13,"sentiment":"neutral","sentiment_score":0.06354884593747556},{"text":"You don't","start":2211.19,"end":2211.67,"sentiment":"neutral","sentiment_score":0.000852427736390382}],"sentiment":"neutral","sentiment_score":0.0565825772484661,"channel":0,"num_words":18,"start":2207.03,"end":2211.67},{"sentences":[{"text":"Yeah.","start":2211.56,"end":2212.06,"sentiment":"neutral","sentiment_score":-0.0072823455557227135}],"sentiment":"neutral","sentiment_score":-0.0072823455557227135,"channel":1,"num_words":1,"start":2211.56,"end":2212.06},{"sentences":[{"text":"have to go down that that other route of offset accounts.","start":2211.67,"end":2214.955,"sentiment":"neutral","sentiment_score":0.002153170549056747},{"text":"Investing does the same thing too.","start":2215.2551,"end":2217.0352,"sentiment":"neutral","sentiment_score":0.08752474933862686}],"sentiment":"neutral","sentiment_score":0.03228431600419914,"channel":0,"num_words":17,"start":2211.67,"end":2217.0352},{"sentences":[{"text":"Yep.","start":2218.015,"end":2218.255,"sentiment":"neutral","sentiment_score":0.07009365409612656},{"text":"And then I guess sorry.","start":2218.255,"end":2219.535,"sentiment":"neutral","sentiment_score":0.024286087974905966},{"text":"I said I had no questions.","start":2219.535,"end":2220.755,"sentiment":"neutral","sentiment_score":-0.011673738559087118},{"text":"The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on?","start":2220.815,"end":2234.1199,"sentiment":"neutral","sentiment_score":-0.05319606211474713}],"sentiment":"neutral","sentiment_score":-0.036677922810549324,"channel":1,"num_words":46,"start":2218.015,"end":2234.1199},{"sentences":[{"text":"So if I have a look, I'm gonna do a quick progress update with you.","start":2235.1099,"end":2240.245,"sentiment":"neutral","sentiment_score":0.058066650107502935}],"sentiment":"neutral","sentiment_score":0.058066650107502935,"channel":0,"num_words":15,"start":2235.1099,"end":2240.245},{"sentences":[{"text":"Mhmm.","start":2240.18,"end":2240.505,"sentiment":"neutral","sentiment_score":0.07420572638511658}],"sentiment":"neutral","sentiment_score":0.07420572638511658,"channel":1,"num_words":1,"start":2240.18,"end":2240.505},{"sentences":[{"text":"So we've got okay.","start":2240.245,"end":2244.085,"sentiment":"neutral","sentiment_score":0.17447840422391891},{"text":"So you've got a pretty good balance for your age.","start":2244.085,"end":2247.5251,"sentiment":"positive","sentiment_score":0.3687696933746338},{"text":"It's pretty well straight in that kind of above average mark.","start":2247.5251,"end":2251.625,"sentiment":"positive","sentiment_score":0.38225370374592865},{"text":"You're in","start":2251.93,"end":2252.67,"sentiment":"neutral","sentiment_score":0.23491816967725754}],"sentiment":"positive","sentiment_score":0.3355643567111757,"channel":0,"num_words":27,"start":2240.245,"end":2252.67},{"sentences":[{"text":"Mhmm.","start":2252.1848,"end":2252.52,"sentiment":"neutral","sentiment_score":0.2040185034275055}],"sentiment":"neutral","sentiment_score":0.2040185034275055,"channel":1,"num_words":1,"start":2252.1848,"end":2252.52},{"sentences":[{"text":"high growth.","start":2252.73,"end":2253.37,"sentiment":"neutral","sentiment_score":0.3196493089199066},{"text":"You're getting good contributions on a high income.","start":2253.37,"end":2256.19,"sentiment":"positive","sentiment_score":0.4609653875231743}],"sentiment":"positive","sentiment_score":0.43270217180252074,"channel":0,"num_words":10,"start":2252.73,"end":2256.19},{"sentences":[{"text":"Yep.","start":2256.76,"end":2257.26,"sentiment":"neutral","sentiment_score":0.27622830867767334}],"sentiment":"neutral","sentiment_score":0.27622830867767334,"channel":1,"num_words":1,"start":2256.76,"end":2257.26},{"sentences":[{"text":"You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark.","start":2256.81,"end":2269.775,"sentiment":"neutral","sentiment_score":0.23955936806324202}],"sentiment":"neutral","sentiment_score":0.23955936806324202,"channel":0,"num_words":39,"start":2256.81,"end":2269.775},{"sentences":[{"text":"Mhmm.","start":2270.275,"end":2270.775,"sentiment":"neutral","sentiment_score":0.025797775015234947}],"sentiment":"neutral","sentiment_score":0.025797775015234947,"channel":1,"num_words":1,"start":2270.275,"end":2270.775},{"sentences":[{"text":"Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax","start":2270.875,"end":2279.9001,"sentiment":"neutral","sentiment_score":0.03524196105585857}],"sentiment":"neutral","sentiment_score":0.03524196105585857,"channel":0,"num_words":33,"start":2270.875,"end":2279.9001},{"sentences":[{"text":"Yep.","start":2279.7148,"end":2280.12,"sentiment":"neutral","sentiment_score":0.1105840802192688}],"sentiment":"neutral","sentiment_score":0.1105840802192688,"channel":1,"num_words":1,"start":2279.7148,"end":2280.12},{"sentences":[{"text":"free as well.","start":2279.9001,"end":2280.8801,"sentiment":"neutral","sentiment_score":0.16540267566839853},{"text":"So I think you can pretty much get to most common retirement goals as is without","start":2280.9402,"end":2286.2202,"sentiment":"neutral","sentiment_score":0.1923336605541408}],"sentiment":"neutral","sentiment_score":0.18808139978270783,"channel":0,"num_words":19,"start":2279.9001,"end":2286.2202},{"sentences":[{"text":"Mhmm.","start":2286.2002,"end":2286.7002,"sentiment":"neutral","sentiment_score":0.04354932904243469}],"sentiment":"neutral","sentiment_score":0.04354932904243469,"channel":1,"num_words":1,"start":2286.2002,"end":2286.7002},{"sentences":[{"text":"having to do the salary sacrifice.","start":2286.2202,"end":2287.9202,"sentiment":"neutral","sentiment_score":-0.021381227610011894}],"sentiment":"neutral","sentiment_score":-0.021381227610011894,"channel":0,"num_words":6,"start":2286.2202,"end":2287.9202},{"sentences":[{"text":"Yes.","start":2288.84,"end":2289.34,"sentiment":"neutral","sentiment_score":0.06126042455434799}],"sentiment":"neutral","sentiment_score":0.06126042455434799,"channel":1,"num_words":1,"start":2288.84,"end":2289.34},{"sentences":[{"text":"The question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example,","start":2289.58,"end":2296.575,"sentiment":"neutral","sentiment_score":0.029853235845538704}],"sentiment":"neutral","sentiment_score":0.029853235845538704,"channel":0,"num_words":22,"start":2289.58,"end":2296.575},{"sentences":[{"text":"Yeah.","start":2297.015,"end":2297.515,"sentiment":"neutral","sentiment_score":0.03950507938861847}],"sentiment":"neutral","sentiment_score":0.03950507938861847,"channel":1,"num_words":1,"start":2297.015,"end":2297.515},{"sentences":[{"text":"put a 100 in.","start":2297.595,"end":2298.635,"sentiment":"neutral","sentiment_score":0.04424129705876112},{"text":"Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super.","start":2298.635,"end":2303.615,"sentiment":"neutral","sentiment_score":0.029472785168572477}],"sentiment":"neutral","sentiment_score":0.03204122201904007,"channel":0,"num_words":23,"start":2297.595,"end":2303.615},{"sentences":[{"text":"Mhmm.","start":2304.135,"end":2304.635,"sentiment":"neutral","sentiment_score":-0.007212960626929998}],"sentiment":"neutral","sentiment_score":-0.007212960626929998,"channel":1,"num_words":1,"start":2304.135,"end":2304.635},{"sentences":[{"text":"That's obviously gonna speed things up a little bit.","start":2304.16,"end":2306.82,"sentiment":"neutral","sentiment_score":0.20178884598943922},{"text":"And then the flip side to that is the family building.","start":2307.28,"end":2311.3,"sentiment":"neutral","sentiment_score":0.09439644759351556},{"text":"So do","start":2311.76,"end":2312.32,"sentiment":"neutral","sentiment_score":0.05015721917152405}],"sentiment":"neutral","sentiment_score":0.1343079534443942,"channel":0,"num_words":22,"start":2304.16,"end":2312.32},{"sentences":[{"text":"Yeah.","start":2312.25,"end":2312.75,"sentiment":"neutral","sentiment_score":0.05381499603390694}],"sentiment":"neutral","sentiment_score":0.05381499603390694,"channel":1,"num_words":1,"start":2312.25,"end":2312.75},{"sentences":[{"text":"you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your","start":2312.32,"end":2318.74,"sentiment":"neutral","sentiment_score":0.0032855170734581492}],"sentiment":"neutral","sentiment_score":0.0032855170734581492,"channel":0,"num_words":21,"start":2312.32,"end":2318.74},{"sentences":[{"text":"Yeah.","start":2318.57,"end":2319.07,"sentiment":"neutral","sentiment_score":0.051338616758584976}],"sentiment":"neutral","sentiment_score":0.051338616758584976,"channel":1,"num_words":1,"start":2318.57,"end":2319.07},{"sentences":[{"text":"your family planning","start":2318.975,"end":2320.035,"sentiment":"neutral","sentiment_score":0.07467776536941528}],"sentiment":"neutral","sentiment_score":0.07467776536941528,"channel":0,"num_words":3,"start":2318.975,"end":2320.035},{"sentences":[{"text":"Hopefully.","start":2319.69,"end":2320.19,"sentiment":"neutral","sentiment_score":0.08902411162853241}],"sentiment":"neutral","sentiment_score":0.08902411162853241,"channel":1,"num_words":1,"start":2319.69,"end":2320.19},{"sentences":[{"text":"look","start":2321.295,"end":2321.795,"sentiment":"neutral","sentiment_score":0.05429380387067795}],"sentiment":"neutral","sentiment_score":0.05429380387067795,"channel":0,"num_words":1,"start":2321.295,"end":2321.795},{"sentences":[{"text":"Yeah.","start":2321.875,"end":2322.275,"sentiment":"neutral","sentiment_score":0.0949377417564392},{"text":"Ideally, we're hoping","start":2322.275,"end":2323.315,"sentiment":"neutral","sentiment_score":0.15368195374806723}],"sentiment":"neutral","sentiment_score":0.13899590075016022,"channel":1,"num_words":4,"start":2321.875,"end":2323.315},{"sentences":[{"text":"like?","start":2323.055,"end":2323.555,"sentiment":"neutral","sentiment_score":0.1405927836894989}],"sentiment":"neutral","sentiment_score":0.1405927836894989,"channel":0,"num_words":1,"start":2323.055,"end":2323.555},{"sentences":[{"text":"that within the next twelve months, probably on maternity leave.","start":2323.315,"end":2327.815,"sentiment":"neutral","sentiment_score":0.07210192792117595}],"sentiment":"neutral","sentiment_score":0.07210192792117595,"channel":1,"num_words":10,"start":2323.315,"end":2327.815},{"sentences":[{"text":"Yep.","start":2328.175,"end":2328.415,"sentiment":"neutral","sentiment_score":0.02409113012254238},{"text":"And would you probably take off the the full twelve months, do you think?","start":2328.415,"end":2331.63,"sentiment":"neutral","sentiment_score":-0.1345184716795172}],"sentiment":"neutral","sentiment_score":-0.12394449822604656,"channel":0,"num_words":15,"start":2328.175,"end":2331.63},{"sentences":[{"text":"Yeah.","start":2335.2,"end":2335.7,"sentiment":"neutral","sentiment_score":-0.030256863683462143},{"text":"But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after.","start":2336.24,"end":2345.805,"sentiment":"neutral","sentiment_score":0.0396323345463585}],"sentiment":"neutral","sentiment_score":0.03713629175243633,"channel":1,"num_words":28,"start":2335.2,"end":2345.805},{"sentences":[{"text":"Yeah.","start":2346.445,"end":2346.7651,"sentiment":"neutral","sentiment_score":0.042273737490177155},{"text":"Gotcha.","start":2346.7651,"end":2347.165,"sentiment":"neutral","sentiment_score":0.03177512809634209},{"text":"Gotcha.","start":2347.165,"end":2347.645,"sentiment":"neutral","sentiment_score":0.03276462480425835},{"text":"So between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well.","start":2347.645,"end":2356.29,"sentiment":"neutral","sentiment_score":0.05571680629832877}],"sentiment":"neutral","sentiment_score":0.052843619226699785,"channel":0,"num_words":21,"start":2346.445,"end":2356.29},{"sentences":[{"text":"Yep.","start":2356.6848,"end":2357.1848,"sentiment":"neutral","sentiment_score":0.0928211510181427}],"sentiment":"neutral","sentiment_score":0.0928211510181427,"channel":1,"num_words":1,"start":2356.6848,"end":2357.1848},{"sentences":[{"text":"Yep.","start":2357.57,"end":2358.07,"sentiment":"neutral","sentiment_score":0.1078965663909912},{"text":"So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if","start":2358.29,"end":2365.8901,"sentiment":"neutral","sentiment_score":0.048719995147125286}],"sentiment":"neutral","sentiment_score":0.0512928895490325,"channel":0,"num_words":23,"start":2357.57,"end":2365.8901},{"sentences":[{"text":"Mhmm.","start":2365.82,"end":2366.32,"sentiment":"neutral","sentiment_score":-0.07873470336198807}],"sentiment":"neutral","sentiment_score":-0.07873470336198807,"channel":1,"num_words":1,"start":2365.82,"end":2366.32},{"sentences":[{"text":"you're about to kind of slow down, stop work, and then go part time for a period.","start":2365.8901,"end":2369.75,"sentiment":"neutral","sentiment_score":-0.1596131311619983},{"text":"It'll probably","start":2369.81,"end":2370.45,"sentiment":"neutral","sentiment_score":-0.030500436201691628}],"sentiment":"neutral","sentiment_score":-0.14602232116617656,"channel":0,"num_words":19,"start":2365.8901,"end":2370.45},{"sentences":[{"text":"Yeah.","start":2370.22,"end":2370.72,"sentiment":"neutral","sentiment_score":-0.059696272015571594}],"sentiment":"neutral","sentiment_score":-0.059696272015571594,"channel":1,"num_words":1,"start":2370.22,"end":2370.72},{"sentences":[{"text":"be something to do after that.","start":2370.45,"end":2371.875,"sentiment":"neutral","sentiment_score":-0.08656127378344536}],"sentiment":"neutral","sentiment_score":-0.08656127378344536,"channel":0,"num_words":6,"start":2370.45,"end":2371.875},{"sentences":[{"text":"Okay.","start":2372.3,"end":2372.8,"sentiment":"neutral","sentiment_score":0.040470633655786514},{"text":"Cool.","start":2373.105,"end":2373.605,"sentiment":"neutral","sentiment_score":0.08102422207593918}],"sentiment":"neutral","sentiment_score":0.060747427865862846,"channel":1,"num_words":2,"start":2372.3,"end":2373.605},{"sentences":[{"text":"I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely","start":2374.115,"end":2381.475,"sentiment":"neutral","sentiment_score":0.06321312760313352}],"sentiment":"neutral","sentiment_score":0.06321312760313352,"channel":0,"num_words":30,"start":2374.115,"end":2381.475},{"sentences":[{"text":"Mhmm.","start":2381.345,"end":2381.845,"sentiment":"negative","sentiment_score":-0.4454897046089173}],"sentiment":"negative","sentiment_score":-0.4454897046089173,"channel":1,"num_words":1,"start":2381.345,"end":2381.845},{"sentences":[{"text":"not gonna recommend it for this year.","start":2381.475,"end":2383.255,"sentiment":"negative","sentiment_score":-0.6688881857054574}],"sentiment":"negative","sentiment_score":-0.6688881857054574,"channel":0,"num_words":7,"start":2381.475,"end":2383.255},{"sentences":[{"text":"Yeah.","start":2383.505,"end":2384.005,"sentiment":"neutral","sentiment_score":-0.08025585114955902}],"sentiment":"neutral","sentiment_score":-0.08025585114955902,"channel":1,"num_words":1,"start":2383.505,"end":2384.005},{"sentences":[{"text":"So let's say you've got your contributions coming in from work, call it about $1,314,000 after tax.","start":2384.69,"end":2393.43,"sentiment":"neutral","sentiment_score":-0.0034416701973361127}],"sentiment":"neutral","sentiment_score":-0.0034416701973361127,"channel":0,"num_words":17,"start":2384.69,"end":2393.43},{"sentences":[{"text":"Mhmm.","start":2393.92,"end":2394.42,"sentiment":"neutral","sentiment_score":0.004813614301383495}],"sentiment":"neutral","sentiment_score":0.004813614301383495,"channel":1,"num_words":1,"start":2393.92,"end":2394.42},{"sentences":[{"text":"Your current balance is 146,000.","start":2394.6099,"end":2397.51,"sentiment":"neutral","sentiment_score":-0.001671981811523437},{"text":"And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for?","start":2397.9248,"end":2402.345,"sentiment":"neutral","sentiment_score":-0.041633312639437224}],"sentiment":"neutral","sentiment_score":-0.03330803538362185,"channel":0,"num_words":24,"start":2394.6099,"end":2402.345},{"sentences":[{"text":"Yeah.","start":2402.655,"end":2403.155,"sentiment":"neutral","sentiment_score":-0.0990285575389862}],"sentiment":"neutral","sentiment_score":-0.0990285575389862,"channel":1,"num_words":1,"start":2402.655,"end":2403.155},{"sentences":[{"text":"So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where","start":2404.1648,"end":2414.26,"sentiment":"neutral","sentiment_score":-0.23019202329494334}],"sentiment":"neutral","sentiment_score":-0.23019202329494334,"channel":0,"num_words":27,"start":2404.1648,"end":2414.26},{"sentences":[{"text":"Yeah.","start":2414.2,"end":2414.7,"sentiment":"neutral","sentiment_score":-0.09784448891878128}],"sentiment":"neutral","sentiment_score":-0.09784448891878128,"channel":1,"num_words":1,"start":2414.2,"end":2414.7},{"sentences":[{"text":"even in twenty years' time, you could be sitting there with 1 and a half million.","start":2414.3198,"end":2418.18,"sentiment":"neutral","sentiment_score":-0.16020277328789234},{"text":"Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement.","start":2421.1199,"end":2434.995,"sentiment":"neutral","sentiment_score":0.055950375377304025}],"sentiment":"neutral","sentiment_score":-0.010558285750448704,"channel":0,"num_words":52,"start":2414.3198,"end":2434.995},{"sentences":[{"text":"Mhmm.","start":2436.335,"end":2436.835,"sentiment":"neutral","sentiment_score":-0.06413297355175018}],"sentiment":"neutral","sentiment_score":-0.06413297355175018,"channel":1,"num_words":1,"start":2436.335,"end":2436.835},{"sentences":[{"text":"So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once","start":2437.5352,"end":2445.6501,"sentiment":"positive","sentiment_score":0.4058946852500622}],"sentiment":"positive","sentiment_score":0.4058946852500622,"channel":0,"num_words":26,"start":2437.5352,"end":2445.6501},{"sentences":[{"text":"Yeah.","start":2445.47,"end":2445.97,"sentiment":"neutral","sentiment_score":0.2888384759426117}],"sentiment":"neutral","sentiment_score":0.2888384759426117,"channel":1,"num_words":1,"start":2445.47,"end":2445.97},{"sentences":[{"text":"you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you","start":2445.6501,"end":2452.275,"sentiment":"neutral","sentiment_score":0.30555592736472253}],"sentiment":"neutral","sentiment_score":0.30555592736472253,"channel":0,"num_words":23,"start":2445.6501,"end":2452.275},{"sentences":[{"text":"Mhmm.","start":2452.27,"end":2452.755,"sentiment":"neutral","sentiment_score":0.10478344559669496}],"sentiment":"neutral","sentiment_score":0.10478344559669496,"channel":1,"num_words":1,"start":2452.27,"end":2452.755},{"sentences":[{"text":"probably won't have to do it until that point, and then you","start":2452.275,"end":2455.4749,"sentiment":"neutral","sentiment_score":0.049740307653943695}],"sentiment":"neutral","sentiment_score":0.049740307653943695,"channel":0,"num_words":12,"start":2452.275,"end":2455.4749},{"sentences":[{"text":"Yeah.","start":2455.3948,"end":2455.8948,"sentiment":"neutral","sentiment_score":0.07384049892425537}],"sentiment":"neutral","sentiment_score":0.07384049892425537,"channel":1,"num_words":1,"start":2455.3948,"end":2455.8948},{"sentences":[{"text":"probably don't have to do it for more than a couple of years.","start":2455.4749,"end":2457.7349,"sentiment":"neutral","sentiment_score":-0.007053842051671102}],"sentiment":"neutral","sentiment_score":-0.007053842051671102,"channel":0,"num_words":13,"start":2455.4749,"end":2457.7349},{"sentences":[{"text":"Okay.","start":2458.115,"end":2458.595,"sentiment":"neutral","sentiment_score":0.2839152216911316},{"text":"Cool.","start":2458.595,"end":2459.095,"sentiment":"neutral","sentiment_score":0.3286782503128052}],"sentiment":"neutral","sentiment_score":0.3062967360019684,"channel":1,"num_words":2,"start":2458.115,"end":2459.095},{"sentences":[{"text":"K?","start":2459.555,"end":2460.035,"sentiment":"neutral","sentiment_score":0.1545521318912506},{"text":"So there's no there's no rush.","start":2460.035,"end":2461.2349,"sentiment":"neutral","sentiment_score":0.04301978896061579},{"text":"I don't see you heavily behind that you need to play catch up or anything.","start":2461.2349,"end":2464.535,"sentiment":"neutral","sentiment_score":-0.1147014709810416}],"sentiment":"neutral","sentiment_score":-0.05944778177548538,"channel":0,"num_words":22,"start":2459.555,"end":2464.535},{"sentences":[{"text":"Yeah.","start":2464.835,"end":2465.25,"sentiment":"neutral","sentiment_score":0.10359875112771988}],"sentiment":"neutral","sentiment_score":0.10359875112771988,"channel":1,"num_words":1,"start":2464.835,"end":2465.25},{"sentences":[{"text":"And, obviously, people talk about tax benefits and and that kind","start":2465.6,"end":2469.12,"sentiment":"neutral","sentiment_score":0.05141410231590271}],"sentiment":"neutral","sentiment_score":0.05141410231590271,"channel":0,"num_words":11,"start":2465.6,"end":2469.12},{"sentences":[{"text":"Mhmm.","start":2469.09,"end":2469.59,"sentiment":"neutral","sentiment_score":0.07055261731147766}],"sentiment":"neutral","sentiment_score":0.07055261731147766,"channel":1,"num_words":1,"start":2469.09,"end":2469.59},{"sentences":[{"text":"of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super.","start":2469.12,"end":2476.18,"sentiment":"neutral","sentiment_score":0.21639112998609958},{"text":"You know,","start":2476.32,"end":2476.8,"sentiment":"neutral","sentiment_score":0.08309639245271683}],"sentiment":"neutral","sentiment_score":0.20572755098342896,"channel":0,"num_words":25,"start":2469.12,"end":2476.8},{"sentences":[{"text":"Mhmm.","start":2476.69,"end":2476.77,"sentiment":"neutral","sentiment_score":0.08905930072069168},{"text":"Yep.","start":2476.77,"end":2477.27,"sentiment":"neutral","sentiment_score":0.14671100676059723}],"sentiment":"neutral","sentiment_score":0.11788515374064445,"channel":1,"num_words":2,"start":2476.69,"end":2477.27},{"sentences":[{"text":"what's the priority?","start":2476.8,"end":2477.78,"sentiment":"neutral","sentiment_score":0.1695283850034078}],"sentiment":"neutral","sentiment_score":0.1695283850034078,"channel":0,"num_words":3,"start":2476.8,"end":2477.78},{"sentences":[{"text":"Yep.","start":2478.61,"end":2478.885,"sentiment":"neutral","sentiment_score":0.2015303820371628}],"sentiment":"neutral","sentiment_score":0.2015303820371628,"channel":1,"num_words":1,"start":2478.61,"end":2478.885},{"sentences":[{"text":"Does that make sense?","start":2479.745,"end":2480.8052,"sentiment":"neutral","sentiment_score":0.2189379259943962}],"sentiment":"neutral","sentiment_score":0.2189379259943962,"channel":0,"num_words":4,"start":2479.745,"end":2480.8052},{"sentences":[{"text":"Yeah.","start":2480.805,"end":2481.045,"sentiment":"neutral","sentiment_score":0.22670376300811768},{"text":"Yeah.","start":2481.045,"end":2481.545,"sentiment":"neutral","sentiment_score":0.32705140113830566},{"text":"Cool.","start":2481.685,"end":2482.185,"sentiment":"positive","sentiment_score":0.430778443813324}],"sentiment":"neutral","sentiment_score":0.32817786931991577,"channel":1,"num_words":3,"start":2480.805,"end":2482.185},{"sentences":[{"text":"Yep.","start":2481.905,"end":2482.405,"sentiment":"positive","sentiment_score":0.3775701522827149},{"text":"Cool.","start":2482.705,"end":2483.205,"sentiment":"positive","sentiment_score":0.48351800441741943},{"text":"I'll put a few notes on the file.","start":2483.905,"end":2485.2651,"sentiment":"neutral","sentiment_score":0.243026340380311},{"text":"Obviously, we'll come back to that over the next few years as well, but","start":2485.2651,"end":2487.905,"sentiment":"neutral","sentiment_score":0.2125887338604246}],"sentiment":"neutral","sentiment_score":0.2408975480745236,"channel":0,"num_words":24,"start":2481.905,"end":2487.905},{"sentences":[{"text":"Yeah.","start":2487.845,"end":2488.345,"sentiment":"neutral","sentiment_score":0.21017588675022125}],"sentiment":"neutral","sentiment_score":0.21017588675022125,"channel":1,"num_words":1,"start":2487.845,"end":2488.345},{"sentences":[{"text":"I hope that kinda","start":2487.905,"end":2488.625,"sentiment":"positive","sentiment_score":0.36694613099098206}],"sentiment":"positive","sentiment_score":0.36694613099098206,"channel":0,"num_words":4,"start":2487.905,"end":2488.625},{"sentences":[{"text":"I","start":2488.565,"end":2488.725,"sentiment":"positive","sentiment_score":0.3763657808303833}],"sentiment":"positive","sentiment_score":0.3763657808303833,"channel":1,"num_words":1,"start":2488.565,"end":2488.725},{"sentences":[{"text":"helps","start":2488.625,"end":2488.865,"sentiment":"positive","sentiment_score":0.35345733165740967}],"sentiment":"positive","sentiment_score":0.35345733165740967,"channel":0,"num_words":1,"start":2488.625,"end":2488.865},{"sentences":[{"text":"guess","start":2488.725,"end":2489.045,"sentiment":"positive","sentiment_score":0.5081275701522827}],"sentiment":"positive","sentiment_score":0.5081275701522827,"channel":1,"num_words":1,"start":2488.725,"end":2489.045},{"sentences":[{"text":"a little","start":2488.865,"end":2489.185,"sentiment":"positive","sentiment_score":0.35436540842056274}],"sentiment":"positive","sentiment_score":0.35436540842056274,"channel":0,"num_words":2,"start":2488.865,"end":2489.185},{"sentences":[{"text":"my","start":2489.045,"end":2489.545,"sentiment":"positive","sentiment_score":0.4214294254779816}],"sentiment":"positive","sentiment_score":0.4214294254779816,"channel":1,"num_words":1,"start":2489.045,"end":2489.545},{"sentences":[{"text":"bit.","start":2489.185,"end":2489.685,"sentiment":"positive","sentiment_score":0.3913187384605408}],"sentiment":"positive","sentiment_score":0.3913187384605408,"channel":0,"num_words":1,"start":2489.185,"end":2489.685},{"sentences":[{"text":"my mindset is kind of, like I think I'm very much, like, live to my me.","start":2489.845,"end":2494.49,"sentiment":"positive","sentiment_score":0.36952928733080626},{"text":"So it's like,","start":2494.55,"end":2495.37,"sentiment":"neutral","sentiment_score":0.24760649601618448}],"sentiment":"positive","sentiment_score":0.35027832028112915,"channel":1,"num_words":19,"start":2489.845,"end":2495.37},{"sentences":[{"text":"The full","start":2496.96,"end":2497.52,"sentiment":"positive","sentiment_score":0.4122994691133499}],"sentiment":"positive","sentiment_score":0.4122994691133499,"channel":0,"num_words":2,"start":2496.96,"end":2497.52},{"sentences":[{"text":"if I","start":2497.27,"end":2497.67,"sentiment":"positive","sentiment_score":0.3720210790634155}],"sentiment":"positive","sentiment_score":0.3720210790634155,"channel":1,"num_words":2,"start":2497.27,"end":2497.67},{"sentences":[{"text":"savings","start":2497.52,"end":2498.0,"sentiment":"neutral","sentiment_score":0.320438027381897}],"sentiment":"neutral","sentiment_score":0.320438027381897,"channel":0,"num_words":1,"start":2497.52,"end":2498.0},{"sentences":[{"text":"can","start":2497.67,"end":2497.91,"sentiment":"neutral","sentiment_score":0.29353296756744385}],"sentiment":"neutral","sentiment_score":0.29353296756744385,"channel":1,"num_words":1,"start":2497.67,"end":2497.91},{"sentences":[{"text":"aspect.","start":2498.0,"end":2498.5,"sentiment":"neutral","sentiment_score":0.30876225233078003}],"sentiment":"neutral","sentiment_score":0.30876225233078003,"channel":0,"num_words":1,"start":2498.0,"end":2498.5},{"sentences":[{"text":"it's if I can afford to do it, I","start":2498.07,"end":2501.99,"sentiment":"neutral","sentiment_score":0.19840825266308254}],"sentiment":"neutral","sentiment_score":0.19840825266308254,"channel":1,"num_words":9,"start":2498.07,"end":2501.99},{"sentences":[{"text":"Yeah.","start":2501.84,"end":2502.34,"sentiment":"neutral","sentiment_score":0.08106864988803864}],"sentiment":"neutral","sentiment_score":0.08106864988803864,"channel":0,"num_words":1,"start":2501.84,"end":2502.34},{"sentences":[{"text":"would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything.","start":2501.99,"end":2506.1501,"sentiment":"neutral","sentiment_score":-0.059198724203988126},{"text":"So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100.","start":2506.1501,"end":2514.0552,"sentiment":"neutral","sentiment_score":0.20692384958267213}],"sentiment":"neutral","sentiment_score":0.09200728362934156,"channel":1,"num_words":44,"start":2501.99,"end":2514.0552},{"sentences":[{"text":"Yeah.","start":2514.9202,"end":2515.4202,"sentiment":"neutral","sentiment_score":0.2353719174861908}],"sentiment":"neutral","sentiment_score":0.2353719174861908,"channel":0,"num_words":1,"start":2514.9202,"end":2515.4202},{"sentences":[{"text":"That's","start":2515.395,"end":2515.715,"sentiment":"positive","sentiment_score":0.3549909293651581}],"sentiment":"positive","sentiment_score":0.3549909293651581,"channel":1,"num_words":1,"start":2515.395,"end":2515.715},{"sentences":[{"text":"I","start":2515.4802,"end":2515.7202,"sentiment":"positive","sentiment_score":0.4470815658569336}],"sentiment":"positive","sentiment_score":0.4470815658569336,"channel":0,"num_words":1,"start":2515.4802,"end":2515.7202},{"sentences":[{"text":"like","start":2515.715,"end":2516.0352,"sentiment":"positive","sentiment_score":0.48691660165786743}],"sentiment":"positive","sentiment_score":0.48691660165786743,"channel":1,"num_words":1,"start":2515.715,"end":2516.0352},{"sentences":[{"text":"get you.","start":2515.7202,"end":2516.4602,"sentiment":"positive","sentiment_score":0.5273579806089401}],"sentiment":"positive","sentiment_score":0.5273579806089401,"channel":0,"num_words":2,"start":2515.7202,"end":2516.4602},{"sentences":[{"text":"yeah.","start":2516.2751,"end":2516.7751,"sentiment":"neutral","sentiment_score":0.2989473342895508},{"text":"But that's something I can work on with my budgeting too.","start":2517.235,"end":2520.135,"sentiment":"neutral","sentiment_score":0.2699617702852596}],"sentiment":"neutral","sentiment_score":0.27237723395228386,"channel":1,"num_words":12,"start":2516.2751,"end":2520.135},{"sentences":[{"text":"Yeah.","start":2520.52,"end":2520.84,"sentiment":"neutral","sentiment_score":0.10339882969856262},{"text":"There's","start":2520.84,"end":2521.08,"sentiment":"neutral","sentiment_score":0.049356382340192795}],"sentiment":"neutral","sentiment_score":0.07637760601937771,"channel":0,"num_words":2,"start":2520.52,"end":2521.08},{"sentences":[{"text":"But that's","start":2520.915,"end":2521.53,"sentiment":"neutral","sentiment_score":0.052492909133434296}],"sentiment":"neutral","sentiment_score":0.052492909133434296,"channel":1,"num_words":2,"start":2520.915,"end":2521.53},{"sentences":[{"text":"that too.","start":2521.08,"end":2521.7202,"sentiment":"neutral","sentiment_score":0.03346935287117958},{"text":"And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the","start":2521.7202,"end":2530.855,"sentiment":"neutral","sentiment_score":0.036197613136699565}],"sentiment":"neutral","sentiment_score":0.036002737403448136,"channel":0,"num_words":28,"start":2521.08,"end":2530.855},{"sentences":[{"text":"yeah.","start":2530.73,"end":2531.21,"sentiment":"neutral","sentiment_score":0.023856431245803833}],"sentiment":"neutral","sentiment_score":0.023856431245803833,"channel":1,"num_words":1,"start":2530.73,"end":2531.21},{"sentences":[{"text":"different states","start":2530.855,"end":2531.6748,"sentiment":"neutral","sentiment_score":-0.0009141340851783752}],"sentiment":"neutral","sentiment_score":-0.0009141340851783752,"channel":0,"num_words":2,"start":2530.855,"end":2531.6748},{"sentences":[{"text":"We had a we","start":2531.21,"end":2531.93,"sentiment":"neutral","sentiment_score":-0.010579224210232496}],"sentiment":"neutral","sentiment_score":-0.010579224210232496,"channel":1,"num_words":4,"start":2531.21,"end":2531.93},{"sentences":[{"text":"pretty","start":2531.815,"end":2532.1348,"sentiment":"neutral","sentiment_score":-0.005171049386262894}],"sentiment":"neutral","sentiment_score":-0.005171049386262894,"channel":0,"num_words":1,"start":2531.815,"end":2532.1348},{"sentences":[{"text":"had","start":2531.93,"end":2532.17,"sentiment":"neutral","sentiment_score":-0.009863127022981644}],"sentiment":"neutral","sentiment_score":-0.009863127022981644,"channel":1,"num_words":1,"start":2531.93,"end":2532.17},{"sentences":[{"text":"regularly?","start":2532.1348,"end":2532.6348,"sentiment":"neutral","sentiment_score":-0.005019828677177429}],"sentiment":"neutral","sentiment_score":-0.005019828677177429,"channel":0,"num_words":1,"start":2532.1348,"end":2532.6348},{"sentences":[{"text":"a pay rise probably a couple of years ago.","start":2532.17,"end":2535.4348,"sentiment":"neutral","sentiment_score":-0.026024252797166508},{"text":"So I think we've had our we had quite a significant pay ride, so I think we'll be","start":2535.4348,"end":2540.075,"sentiment":"neutral","sentiment_score":0.3140213009383943}],"sentiment":"neutral","sentiment_score":0.2006727830265407,"channel":1,"num_words":27,"start":2532.17,"end":2540.075},{"sentences":[{"text":"And","start":2540.055,"end":2540.555,"sentiment":"neutral","sentiment_score":0.1545506715774536}],"sentiment":"neutral","sentiment_score":0.1545506715774536,"channel":0,"num_words":1,"start":2540.055,"end":2540.555},{"sentences":[{"text":"pretty steady for a while.","start":2540.075,"end":2541.375,"sentiment":"neutral","sentiment_score":0.3293711572885513}],"sentiment":"neutral","sentiment_score":0.3293711572885513,"channel":1,"num_words":5,"start":2540.075,"end":2541.375},{"sentences":[{"text":"did they change the superannuation contribution scheme at that point as well?","start":2541.83,"end":2547.19,"sentiment":"neutral","sentiment_score":0.03268420867001017},{"text":"Because I know a lot of people were doing the matching program.","start":2547.19,"end":2550.23,"sentiment":"neutral","sentiment_score":0.03395141179983815},{"text":"You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway.","start":2550.23,"end":2558.585,"sentiment":"neutral","sentiment_score":0.02651969478888945},{"text":"Do you know","start":2558.805,"end":2559.2048,"sentiment":"neutral","sentiment_score":-0.04026738305886587}],"sentiment":"neutral","sentiment_score":0.02589958707491557,"channel":0,"num_words":60,"start":2541.83,"end":2559.2048},{"sentences":[{"text":"I'm","start":2559.1301,"end":2559.29,"sentiment":"neutral","sentiment_score":-0.04319175332784653}],"sentiment":"neutral","sentiment_score":-0.04319175332784653,"channel":1,"num_words":1,"start":2559.1301,"end":2559.29},{"sentences":[{"text":"if","start":2559.2048,"end":2559.365,"sentiment":"neutral","sentiment_score":-0.059407420456409454}],"sentiment":"neutral","sentiment_score":-0.059407420456409454,"channel":0,"num_words":1,"start":2559.2048,"end":2559.365},{"sentences":[{"text":"not","start":2559.29,"end":2559.53,"sentiment":"neutral","sentiment_score":-0.06334556639194489}],"sentiment":"neutral","sentiment_score":-0.06334556639194489,"channel":1,"num_words":1,"start":2559.29,"end":2559.53},{"sentences":[{"text":"they did","start":2559.365,"end":2559.605,"sentiment":"neutral","sentiment_score":-0.088735181838274}],"sentiment":"neutral","sentiment_score":-0.088735181838274,"channel":0,"num_words":2,"start":2559.365,"end":2559.605},{"sentences":[{"text":"sure,","start":2559.53,"end":2559.85,"sentiment":"neutral","sentiment_score":-0.08554760366678238}],"sentiment":"neutral","sentiment_score":-0.08554760366678238,"channel":1,"num_words":1,"start":2559.53,"end":2559.85},{"sentences":[{"text":"that with","start":2559.605,"end":2559.9248,"sentiment":"neutral","sentiment_score":-0.07909375056624413}],"sentiment":"neutral","sentiment_score":-0.07909375056624413,"channel":0,"num_words":2,"start":2559.605,"end":2559.9248},{"sentences":[{"text":"to","start":2559.85,"end":2560.01,"sentiment":"neutral","sentiment_score":-0.06020648032426834}],"sentiment":"neutral","sentiment_score":-0.06020648032426834,"channel":1,"num_words":1,"start":2559.85,"end":2560.01},{"sentences":[{"text":"yours?","start":2559.9248,"end":2560.4248,"sentiment":"neutral","sentiment_score":-0.0669165849685669}],"sentiment":"neutral","sentiment_score":-0.0669165849685669,"channel":0,"num_words":1,"start":2559.9248,"end":2560.4248},{"sentences":[{"text":"be honest.","start":2560.01,"end":2560.67,"sentiment":"neutral","sentiment_score":-0.04898475483059883},{"text":"Even, like, I've I because I wasn't even sure how much was being contributed to Super.","start":2560.9148,"end":2565.095,"sentiment":"neutral","sentiment_score":-0.11400420358404517},{"text":"I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were","start":2565.6348,"end":2580.8,"sentiment":"neutral","sentiment_score":-0.14065795605657277}],"sentiment":"neutral","sentiment_score":-0.13218842213973403,"channel":1,"num_words":72,"start":2560.01,"end":2580.8},{"sentences":[{"text":"When","start":2580.595,"end":2580.835,"sentiment":"neutral","sentiment_score":-0.08612020313739777}],"sentiment":"neutral","sentiment_score":-0.08612020313739777,"channel":0,"num_words":1,"start":2580.595,"end":2580.835},{"sentences":[{"text":"contributing.","start":2580.8,"end":2581.3,"sentiment":"neutral","sentiment_score":-0.08758315443992615}],"sentiment":"neutral","sentiment_score":-0.08758315443992615,"channel":1,"num_words":1,"start":2580.8,"end":2581.3},{"sentences":[{"text":"I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time.","start":2580.835,"end":2588.935,"sentiment":"neutral","sentiment_score":0.05972612503430118},{"text":"And","start":2589.155,"end":2589.655,"sentiment":"neutral","sentiment_score":0.09407993406057358}],"sentiment":"neutral","sentiment_score":0.061157533743729196,"channel":0,"num_words":24,"start":2580.835,"end":2589.655},{"sentences":[{"text":"Yeah.","start":2589.2,"end":2589.435,"sentiment":"neutral","sentiment_score":0.16709548234939575}],"sentiment":"neutral","sentiment_score":0.16709548234939575,"channel":1,"num_words":1,"start":2589.2,"end":2589.435},{"sentences":[{"text":"it worked out to be about a 145,000 for your your yearly income, which is","start":2589.7148,"end":2595.79,"sentiment":"neutral","sentiment_score":0.15049103746811548}],"sentiment":"neutral","sentiment_score":0.15049103746811548,"channel":0,"num_words":15,"start":2589.7148,"end":2595.79},{"sentences":[{"text":"Yeah.","start":2595.675,"end":2596.175,"sentiment":"neutral","sentiment_score":0.16951550543308258}],"sentiment":"neutral","sentiment_score":0.16951550543308258,"channel":1,"num_words":1,"start":2595.675,"end":2596.175},{"sentences":[{"text":"pretty close to what you were telling me before.","start":2595.79,"end":2597.89,"sentiment":"neutral","sentiment_score":0.16394628336032233}],"sentiment":"neutral","sentiment_score":0.16394628336032233,"channel":0,"num_words":9,"start":2595.79,"end":2597.89},{"sentences":[{"text":"Yeah.","start":2598.395,"end":2598.895,"sentiment":"neutral","sentiment_score":0.10713282227516174}],"sentiment":"neutral","sentiment_score":0.10713282227516174,"channel":1,"num_words":1,"start":2598.395,"end":2598.895},{"sentences":[{"text":"So if I go a 140,000, and let's say it is 12.5%, Yeah.","start":2599.47,"end":2607.165,"sentiment":"neutral","sentiment_score":0.12784827443269584},{"text":"It pretty well works out to be the same amount.","start":2607.165,"end":2609.0051,"sentiment":"positive","sentiment_score":0.4136845886707306},{"text":"So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly","start":2609.0051,"end":2616.205,"sentiment":"neutral","sentiment_score":0.11701088398694992}],"sentiment":"neutral","sentiment_score":0.18313052489402445,"channel":0,"num_words":47,"start":2599.47,"end":2616.205},{"sentences":[{"text":"Yep.","start":2616.07,"end":2616.57,"sentiment":"neutral","sentiment_score":0.10533542931079865}],"sentiment":"neutral","sentiment_score":0.10533542931079865,"channel":1,"num_words":1,"start":2616.07,"end":2616.57},{"sentences":[{"text":"touch base with your payroll to see if there's any matching programs or anything like that","start":2616.205,"end":2621.83,"sentiment":"neutral","sentiment_score":0.05511896079406142}],"sentiment":"neutral","sentiment_score":0.05511896079406142,"channel":0,"num_words":16,"start":2616.205,"end":2621.83},{"sentences":[{"text":"Mhmm.","start":2622.195,"end":2622.695,"sentiment":"neutral","sentiment_score":0.03920326381921768}],"sentiment":"neutral","sentiment_score":0.03920326381921768,"channel":1,"num_words":1,"start":2622.195,"end":2622.695},{"sentences":[{"text":"or what your percentage is.","start":2622.37,"end":2624.1501,"sentiment":"neutral","sentiment_score":0.014046968519687652},{"text":"If they come back and say that you can do the matching program, I can","start":2624.37,"end":2627.8901,"sentiment":"neutral","sentiment_score":0.04598397761583328}],"sentiment":"neutral","sentiment_score":0.037999725341796874,"channel":0,"num_words":20,"start":2622.37,"end":2627.8901},{"sentences":[{"text":"Mhmm.","start":2627.795,"end":2628.295,"sentiment":"neutral","sentiment_score":0.09693655371665956}],"sentiment":"neutral","sentiment_score":0.09693655371665956,"channel":1,"num_words":1,"start":2627.795,"end":2628.295},{"sentences":[{"text":"help you figure out the the best way to do that because they","start":2627.8901,"end":2630.85,"sentiment":"neutral","sentiment_score":0.06970064170085467}],"sentiment":"neutral","sentiment_score":0.06970064170085467,"channel":0,"num_words":13,"start":2627.8901,"end":2630.85},{"sentences":[{"text":"Yep.","start":2630.77,"end":2631.27,"sentiment":"neutral","sentiment_score":0.10230101644992828}],"sentiment":"neutral","sentiment_score":0.10230101644992828,"channel":1,"num_words":1,"start":2630.77,"end":2631.27},{"sentences":[{"text":"the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice.","start":2631.33,"end":2637.975,"sentiment":"neutral","sentiment_score":0.050519866247971855},{"text":"So","start":2638.5151,"end":2639.0151,"sentiment":"neutral","sentiment_score":0.11531277000904085}],"sentiment":"neutral","sentiment_score":0.0539300190775018,"channel":0,"num_words":19,"start":2631.33,"end":2639.0151},{"sentences":[{"text":"Yep.","start":2638.69,"end":2639.19,"sentiment":"neutral","sentiment_score":0.11531104892492294}],"sentiment":"neutral","sentiment_score":0.11531104892492294,"channel":1,"num_words":1,"start":2638.69,"end":2639.19},{"sentences":[{"text":"if they say that's available, can you let us know straight away?","start":2639.3152,"end":2642.215,"sentiment":"neutral","sentiment_score":0.07114081798742215},{"text":"If not, I wouldn't worry about it until after maternity","start":2642.5151,"end":2646.215,"sentiment":"neutral","sentiment_score":0.07656604200601577}],"sentiment":"neutral","sentiment_score":0.07360682890496471,"channel":0,"num_words":22,"start":2639.3152,"end":2646.215},{"sentences":[{"text":"Sure.","start":2646.2148,"end":2646.7148,"sentiment":"neutral","sentiment_score":0.09185759723186492}],"sentiment":"neutral","sentiment_score":0.09185759723186492,"channel":1,"num_words":1,"start":2646.2148,"end":2646.7148},{"sentences":[{"text":"leave.","start":2646.2751,"end":2646.7751,"sentiment":"neutral","sentiment_score":0.08110514283180237}],"sentiment":"neutral","sentiment_score":0.08110514283180237,"channel":0,"num_words":1,"start":2646.2751,"end":2646.7751},{"sentences":[{"text":"Yep.","start":2647.4949,"end":2647.895,"sentiment":"neutral","sentiment_score":0.17677704989910126},{"text":"Sure.","start":2647.895,"end":2648.395,"sentiment":"positive","sentiment_score":0.3450672924518585}],"sentiment":"neutral","sentiment_score":0.2609221711754799,"channel":1,"num_words":2,"start":2647.4949,"end":2648.395},{"sentences":[{"text":"Cool.","start":2649.26,"end":2649.76,"sentiment":"neutral","sentiment_score":0.07296455651521683},{"text":"I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well.","start":2651.02,"end":2657.92,"sentiment":"neutral","sentiment_score":0.12383272967956684}],"sentiment":"neutral","sentiment_score":0.12201600920941148,"channel":0,"num_words":28,"start":2649.26,"end":2657.92},{"sentences":[{"text":"Mhmm.","start":2658.28,"end":2658.78,"sentiment":"neutral","sentiment_score":0.1163543164730072}],"sentiment":"neutral","sentiment_score":0.1163543164730072,"channel":1,"num_words":1,"start":2658.28,"end":2658.78},{"sentences":[{"text":"Cool.","start":2659.755,"end":2660.255,"sentiment":"neutral","sentiment_score":0.279768705368042},{"text":"Alright.","start":2661.275,"end":2661.775,"sentiment":"neutral","sentiment_score":0.1732964962720871},{"text":"Any other things I can help with before I let you go?","start":2661.835,"end":2664.255,"sentiment":"neutral","sentiment_score":0.0952003753433625}],"sentiment":"neutral","sentiment_score":0.11396212184003421,"channel":0,"num_words":14,"start":2659.755,"end":2664.255},{"sentences":[{"text":"No.","start":2665.08,"end":2665.4802,"sentiment":"neutral","sentiment_score":-0.04906424507498741},{"text":"That's","start":2665.4802,"end":2665.7202,"sentiment":"neutral","sentiment_score":-0.005271357949823141}],"sentiment":"neutral","sentiment_score":-0.027167801512405276,"channel":1,"num_words":2,"start":2665.08,"end":2665.7202},{"sentences":[{"text":"I","start":2665.6748,"end":2666.1748,"sentiment":"neutral","sentiment_score":-0.005601808428764343}],"sentiment":"neutral","sentiment_score":-0.005601808428764343,"channel":0,"num_words":1,"start":2665.6748,"end":2666.1748},{"sentences":[{"text":"it.","start":2665.7202,"end":2666.12,"sentiment":"neutral","sentiment_score":-0.03777578100562096},{"text":"Thank you.","start":2666.12,"end":2666.9202,"sentiment":"positive","sentiment_score":0.431665375828743},{"text":"Oh, actually, sorry.","start":2666.9202,"end":2667.8801,"sentiment":"neutral","sentiment_score":0.03316151350736618}],"sentiment":"neutral","sentiment_score":0.15417325186232725,"channel":1,"num_words":6,"start":2665.7202,"end":2667.8801},{"sentences":[{"text":"made","start":2667.595,"end":2667.9949,"sentiment":"neutral","sentiment_score":0.001177653670310974}],"sentiment":"neutral","sentiment_score":0.001177653670310974,"channel":0,"num_words":1,"start":2667.595,"end":2667.9949},{"sentences":[{"text":"I","start":2667.8801,"end":2668.04,"sentiment":"neutral","sentiment_score":0.00034775398671627045}],"sentiment":"neutral","sentiment_score":0.00034775398671627045,"channel":1,"num_words":1,"start":2667.8801,"end":2668.04},{"sentences":[{"text":"it.","start":2667.9949,"end":2668.4749,"sentiment":"neutral","sentiment_score":-0.002002086490392685}],"sentiment":"neutral","sentiment_score":-0.002002086490392685,"channel":0,"num_words":1,"start":2667.9949,"end":2668.4749},{"sentences":[{"text":"do have a question.","start":2668.04,"end":2668.9402,"sentiment":"neutral","sentiment_score":-0.005680949194356799}],"sentiment":"neutral","sentiment_score":-0.005680949194356799,"channel":1,"num_words":4,"start":2668.04,"end":2668.9402},{"sentences":[{"text":"Yep.","start":2668.4749,"end":2668.9749,"sentiment":"neutral","sentiment_score":0.06329174339771271},{"text":"Go for it.","start":2669.275,"end":2670.1748,"sentiment":"neutral","sentiment_score":0.08444859832525253}],"sentiment":"neutral","sentiment_score":0.07915938459336758,"channel":0,"num_words":4,"start":2668.4749,"end":2670.1748},{"sentences":[{"text":"If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients?","start":2670.28,"end":2677.035,"sentiment":"neutral","sentiment_score":0.004219373261245589}],"sentiment":"neutral","sentiment_score":0.004219373261245589,"channel":1,"num_words":24,"start":2670.28,"end":2677.035},{"sentences":[{"text":"So that is a fantastic question that has three slightly small answers to it.","start":2678.4102,"end":2684.775,"sentiment":"neutral","sentiment_score":0.3021829495472567}],"sentiment":"neutral","sentiment_score":0.3021829495472567,"channel":0,"num_words":14,"start":2678.4102,"end":2684.775},{"sentences":[{"text":"Mhmm.","start":2684.775,"end":2685.275,"sentiment":"neutral","sentiment_score":0.04933004453778267}],"sentiment":"neutral","sentiment_score":0.04933004453778267,"channel":1,"num_words":1,"start":2684.775,"end":2685.275},{"sentences":[{"text":"Is we do individual advice to start with.","start":2685.255,"end":2688.855,"sentiment":"neutral","sentiment_score":0.07477802131325006},{"text":"So because you already have an ongoing plan, we","start":2688.855,"end":2691.335,"sentiment":"neutral","sentiment_score":0.10239299966229333}],"sentiment":"neutral","sentiment_score":0.08939771573333179,"channel":0,"num_words":17,"start":2685.255,"end":2691.335},{"sentences":[{"text":"Mhmm.","start":2691.3098,"end":2691.47,"sentiment":"neutral","sentiment_score":0.09966246783733368}],"sentiment":"neutral","sentiment_score":0.09966246783733368,"channel":1,"num_words":1,"start":2691.3098,"end":2691.47},{"sentences":[{"text":"would","start":2691.335,"end":2691.575,"sentiment":"neutral","sentiment_score":0.11199738085269928}],"sentiment":"neutral","sentiment_score":0.11199738085269928,"channel":0,"num_words":1,"start":2691.335,"end":2691.575},{"sentences":[{"text":"Yep.","start":2691.47,"end":2691.97,"sentiment":"neutral","sentiment_score":0.1017596572637558}],"sentiment":"neutral","sentiment_score":0.1017596572637558,"channel":1,"num_words":1,"start":2691.47,"end":2691.97},{"sentences":[{"text":"do the same starting foundation plan for your partner.","start":2691.575,"end":2696.075,"sentiment":"neutral","sentiment_score":0.09029570056332482}],"sentiment":"neutral","sentiment_score":0.09029570056332482,"channel":0,"num_words":9,"start":2691.575,"end":2696.075},{"sentences":[{"text":"Mhmm.","start":2696.43,"end":2696.93,"sentiment":"neutral","sentiment_score":0.07349391281604767}],"sentiment":"neutral","sentiment_score":0.07349391281604767,"channel":1,"num_words":1,"start":2696.43,"end":2696.93},{"sentences":[{"text":"After that point, we can do joint reviews with you guys and joint advice together because we need to factor","start":2697.35,"end":2703.59,"sentiment":"neutral","sentiment_score":0.11863208897411823}],"sentiment":"neutral","sentiment_score":0.11863208897411823,"channel":0,"num_words":20,"start":2697.35,"end":2703.59},{"sentences":[{"text":"Mhmm.","start":2703.205,"end":2703.705,"sentiment":"neutral","sentiment_score":0.09590763598680496}],"sentiment":"neutral","sentiment_score":0.09590763598680496,"channel":1,"num_words":1,"start":2703.205,"end":2703.705},{"sentences":[{"text":"in, you know, joint retirement goals and things like that, but we just wanna","start":2703.59,"end":2707.51,"sentiment":"neutral","sentiment_score":0.11237691715359688}],"sentiment":"neutral","sentiment_score":0.11237691715359688,"channel":0,"num_words":14,"start":2703.59,"end":2707.51},{"sentences":[{"text":"Yep.","start":2707.285,"end":2707.785,"sentiment":"neutral","sentiment_score":0.15192119777202606}],"sentiment":"neutral","sentiment_score":0.15192119777202606,"channel":1,"num_words":1,"start":2707.285,"end":2707.785},{"sentences":[{"text":"make sure he has that foundational piece to start with.","start":2707.51,"end":2710.125,"sentiment":"neutral","sentiment_score":0.14438964128494264}],"sentiment":"neutral","sentiment_score":0.14438964128494264,"channel":0,"num_words":10,"start":2707.51,"end":2710.125},{"sentences":[{"text":"Yeah.","start":2710.485,"end":2710.885,"sentiment":"neutral","sentiment_score":0.09030163288116456},{"text":"Sure.","start":2710.885,"end":2711.385,"sentiment":"neutral","sentiment_score":0.08878225088119507}],"sentiment":"neutral","sentiment_score":0.08954194188117981,"channel":1,"num_words":2,"start":2710.485,"end":2711.385},{"sentences":[{"text":"From that point, a couple of things to consider is there is, like, a partner fee discount as well.","start":2712.125,"end":2717.725,"sentiment":"neutral","sentiment_score":0.0864071398973465},{"text":"So I was","start":2717.725,"end":2718.285,"sentiment":"neutral","sentiment_score":0.053982275227705635}],"sentiment":"neutral","sentiment_score":0.08198556744239548,"channel":0,"num_words":22,"start":2712.125,"end":2718.285},{"sentences":[{"text":"Mhmm.","start":2718.09,"end":2718.59,"sentiment":"neutral","sentiment_score":0.056714918464422226}],"sentiment":"neutral","sentiment_score":0.056714918464422226,"channel":1,"num_words":1,"start":2718.09,"end":2718.59},{"sentences":[{"text":"just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year.","start":2718.285,"end":2725.96,"sentiment":"neutral","sentiment_score":0.06988168563693761},{"text":"The partner","start":2725.96,"end":2726.5999,"sentiment":"neutral","sentiment_score":0.06242983788251877}],"sentiment":"neutral","sentiment_score":0.06920424493199046,"channel":0,"num_words":22,"start":2718.285,"end":2726.5999},{"sentences":[{"text":"Yeah.","start":2726.41,"end":2726.805,"sentiment":"neutral","sentiment_score":0.07056565582752228}],"sentiment":"neutral","sentiment_score":0.07056565582752228,"channel":1,"num_words":1,"start":2726.41,"end":2726.805},{"sentences":[{"text":"fee discount is 1.1, so it chops about a third off","start":2726.5999,"end":2729.98,"sentiment":"neutral","sentiment_score":0.08339161629026587}],"sentiment":"neutral","sentiment_score":0.08339161629026587,"channel":0,"num_words":11,"start":2726.5999,"end":2729.98},{"sentences":[{"text":"That's awesome.","start":2730.4849,"end":2731.145,"sentiment":"positive","sentiment_score":0.573701798915863}],"sentiment":"positive","sentiment_score":0.573701798915863,"channel":1,"num_words":2,"start":2730.4849,"end":2731.145},{"sentences":[{"text":"per person.","start":2731.8,"end":2732.52,"sentiment":"neutral","sentiment_score":0.3021864593029022},{"text":"Correct.","start":2732.52,"end":2733.02,"sentiment":"neutral","sentiment_score":0.19464749097824097},{"text":"K?","start":2734.3599,"end":2734.8599,"sentiment":"neutral","sentiment_score":0.08825372904539108},{"text":"From that point, Hub twenty four also offers family linking.","start":2735.7651,"end":2739.625,"sentiment":"neutral","sentiment_score":0.12508889138698578},{"text":"So if we do recommend a similar super fund to your partner, you can actually","start":2740.0051,"end":2745.5251,"sentiment":"neutral","sentiment_score":0.13955304622650147}],"sentiment":"neutral","sentiment_score":0.14591237054816608,"channel":0,"num_words":29,"start":2731.8,"end":2745.5251},{"sentences":[{"text":"Yes.","start":2745.3801,"end":2745.8801,"sentiment":"neutral","sentiment_score":0.13763020932674408}],"sentiment":"neutral","sentiment_score":0.13763020932674408,"channel":1,"num_words":1,"start":2745.3801,"end":2745.8801},{"sentences":[{"text":"link your accounts together for cheaper admin fees.","start":2745.5251,"end":2748.185,"sentiment":"neutral","sentiment_score":0.16887907683849335},{"text":"And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts.","start":2748.6,"end":2755.32,"sentiment":"neutral","sentiment_score":0.1365039193111917},{"text":"So there's a lot of a lot of linking for discounts that can be done as well.","start":2755.32,"end":2759.9001,"sentiment":"neutral","sentiment_score":0.13569496922633228}],"sentiment":"neutral","sentiment_score":0.14161327574402094,"channel":0,"num_words":48,"start":2745.5251,"end":2759.9001},{"sentences":[{"text":"Okay.","start":2759.875,"end":2760.195,"sentiment":"neutral","sentiment_score":0.1459484100341797},{"text":"Sure.","start":2760.195,"end":2760.695,"sentiment":"neutral","sentiment_score":0.205893874168396},{"text":"Great.","start":2761.635,"end":2762.035,"sentiment":"neutral","sentiment_score":0.2982622981071472}],"sentiment":"neutral","sentiment_score":0.2167015274365743,"channel":1,"num_words":3,"start":2759.875,"end":2762.035},{"sentences":[{"text":"K?","start":2761.735,"end":2762.235,"sentiment":"neutral","sentiment_score":0.2178208529949188}],"sentiment":"neutral","sentiment_score":0.2178208529949188,"channel":0,"num_words":1,"start":2761.735,"end":2762.235},{"sentences":[{"text":"Thank you.","start":2762.035,"end":2762.855,"sentiment":"positive","sentiment_score":0.42189593613147736}],"sentiment":"positive","sentiment_score":0.42189593613147736,"channel":1,"num_words":2,"start":2762.035,"end":2762.855},{"sentences":[{"text":"I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year.","start":2764.055,"end":2769.915,"sentiment":"neutral","sentiment_score":0.27177993140437384},{"text":"If","start":2770.215,"end":2770.615,"sentiment":"neutral","sentiment_score":0.15128114819526672}],"sentiment":"neutral","sentiment_score":0.2665408538735431,"channel":0,"num_words":23,"start":2764.055,"end":2770.615},{"sentences":[{"text":"Mhmm.","start":2770.3,"end":2770.8,"sentiment":"neutral","sentiment_score":0.11302470415830612}],"sentiment":"neutral","sentiment_score":0.11302470415830612,"channel":1,"num_words":1,"start":2770.3,"end":2770.8},{"sentences":[{"text":"we do bring your partner on board, we will send you an amended agreement after he signs up as well.","start":2770.615,"end":2775.81,"sentiment":"neutral","sentiment_score":0.14063183441758156}],"sentiment":"neutral","sentiment_score":0.14063183441758156,"channel":0,"num_words":20,"start":2770.615,"end":2775.81},{"sentences":[{"text":"Sure.","start":2776.2952,"end":2776.7952,"sentiment":"neutral","sentiment_score":0.054632868617773056}],"sentiment":"neutral","sentiment_score":0.054632868617773056,"channel":1,"num_words":1,"start":2776.2952,"end":2776.7952},{"sentences":[{"text":"K?","start":2777.33,"end":2777.81,"sentiment":"neutral","sentiment_score":0.025399083271622654}],"sentiment":"neutral","sentiment_score":0.025399083271622654,"channel":0,"num_words":1,"start":2777.33,"end":2777.81},{"sentences":[{"text":"Yeah.","start":2777.495,"end":2777.735,"sentiment":"neutral","sentiment_score":0.0018859542906284332},{"text":"No.","start":2777.735,"end":2777.895,"sentiment":"neutral","sentiment_score":-0.006407392211258411}],"sentiment":"neutral","sentiment_score":-0.002260718960314989,"channel":1,"num_words":2,"start":2777.495,"end":2777.895},{"sentences":[{"text":"Do","start":2777.81,"end":2777.97,"sentiment":"neutral","sentiment_score":-0.010068070143461227}],"sentiment":"neutral","sentiment_score":-0.010068070143461227,"channel":0,"num_words":1,"start":2777.81,"end":2777.97},{"sentences":[{"text":"I","start":2777.895,"end":2778.0552,"sentiment":"neutral","sentiment_score":0.005038656294345856}],"sentiment":"neutral","sentiment_score":0.005038656294345856,"channel":1,"num_words":1,"start":2777.895,"end":2778.0552},{"sentences":[{"text":"you","start":2777.97,"end":2778.1301,"sentiment":"neutral","sentiment_score":-0.01099325716495514}],"sentiment":"neutral","sentiment_score":-0.01099325716495514,"channel":0,"num_words":1,"start":2777.97,"end":2778.1301},{"sentences":[{"text":"I","start":2778.0552,"end":2778.1353,"sentiment":"neutral","sentiment_score":0.014003686606884004}],"sentiment":"neutral","sentiment_score":0.014003686606884004,"channel":1,"num_words":1,"start":2778.0552,"end":2778.1353},{"sentences":[{"text":"want","start":2778.1301,"end":2778.37,"sentiment":"neutral","sentiment_score":-0.010740838944911957}],"sentiment":"neutral","sentiment_score":-0.010740838944911957,"channel":0,"num_words":1,"start":2778.1301,"end":2778.37},{"sentences":[{"text":"we","start":2778.215,"end":2778.375,"sentiment":"neutral","sentiment_score":-0.0013219267129898071}],"sentiment":"neutral","sentiment_score":-0.0013219267129898071,"channel":1,"num_words":1,"start":2778.215,"end":2778.375},{"sentences":[{"text":"me","start":2778.37,"end":2778.45,"sentiment":"neutral","sentiment_score":-0.03234219551086426}],"sentiment":"neutral","sentiment_score":-0.03234219551086426,"channel":0,"num_words":1,"start":2778.37,"end":2778.45},{"sentences":[{"text":"haven't","start":2778.375,"end":2778.615,"sentiment":"neutral","sentiment_score":-0.04287637025117874}],"sentiment":"neutral","sentiment_score":-0.04287637025117874,"channel":1,"num_words":1,"start":2778.375,"end":2778.615},{"sentences":[{"text":"to take","start":2778.45,"end":2778.85,"sentiment":"neutral","sentiment_score":-0.08334451913833618}],"sentiment":"neutral","sentiment_score":-0.08334451913833618,"channel":0,"num_words":2,"start":2778.45,"end":2778.85},{"sentences":[{"text":"really","start":2778.615,"end":2778.935,"sentiment":"neutral","sentiment_score":-0.0511271208524704}],"sentiment":"neutral","sentiment_score":-0.0511271208524704,"channel":1,"num_words":1,"start":2778.615,"end":2778.935},{"sentences":[{"text":"down","start":2778.85,"end":2779.01,"sentiment":"neutral","sentiment_score":-0.07969554513692856}],"sentiment":"neutral","sentiment_score":-0.07969554513692856,"channel":0,"num_words":1,"start":2778.85,"end":2779.01},{"sentences":[{"text":"discussed","start":2778.935,"end":2779.2551,"sentiment":"neutral","sentiment_score":0.0032321885228157043}],"sentiment":"neutral","sentiment_score":0.0032321885228157043,"channel":1,"num_words":1,"start":2778.935,"end":2779.2551},{"sentences":[{"text":"any","start":2779.01,"end":2779.51,"sentiment":"neutral","sentiment_score":-0.06018766760826111}],"sentiment":"neutral","sentiment_score":-0.06018766760826111,"channel":0,"num_words":1,"start":2779.01,"end":2779.51},{"sentences":[{"text":"it, but I just thought potentially would be good.","start":2779.2551,"end":2782.395,"sentiment":"neutral","sentiment_score":0.15778984212213093}],"sentiment":"neutral","sentiment_score":0.15778984212213093,"channel":1,"num_words":9,"start":2779.2551,"end":2782.395},{"sentences":[{"text":"yeah.","start":2782.61,"end":2782.9302,"sentiment":"neutral","sentiment_score":0.08506264537572861},{"text":"And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just","start":2782.9302,"end":2787.4302,"sentiment":"neutral","sentiment_score":0.06412809547036886}],"sentiment":"neutral","sentiment_score":0.06512497879919552,"channel":0,"num_words":21,"start":2782.61,"end":2787.4302},{"sentences":[{"text":"Yeah.","start":2787.2551,"end":2787.7551,"sentiment":"neutral","sentiment_score":0.0187218114733696}],"sentiment":"neutral","sentiment_score":0.0187218114733696,"channel":1,"num_words":1,"start":2787.2551,"end":2787.7551},{"sentences":[{"text":"call into reception, talk to the girls.","start":2787.6501,"end":2789.81,"sentiment":"neutral","sentiment_score":0.049942453524896076},{"text":"I'll get him booked in with myself or one of the other advisers, and we'll just","start":2789.81,"end":2794.105,"sentiment":"neutral","sentiment_score":0.11261034361086786}],"sentiment":"neutral","sentiment_score":0.09353750749774602,"channel":0,"num_words":23,"start":2787.6501,"end":2794.105},{"sentences":[{"text":"Yeah.","start":2793.99,"end":2794.49,"sentiment":"neutral","sentiment_score":0.03689800575375557}],"sentiment":"neutral","sentiment_score":0.03689800575375557,"channel":1,"num_words":1,"start":2793.99,"end":2794.49},{"sentences":[{"text":"go through the usual complimentary consultation, bit of research,","start":2794.105,"end":2798.585,"sentiment":"neutral","sentiment_score":0.12996929304467308}],"sentiment":"neutral","sentiment_score":0.12996929304467308,"channel":0,"num_words":9,"start":2794.105,"end":2798.585},{"sentences":[{"text":"Yeah.","start":2798.15,"end":2798.65,"sentiment":"neutral","sentiment_score":0.07322113960981369}],"sentiment":"neutral","sentiment_score":0.07322113960981369,"channel":1,"num_words":1,"start":2798.15,"end":2798.65},{"sentences":[{"text":"and see if we can help him.","start":2798.585,"end":2800.125,"sentiment":"neutral","sentiment_score":0.1836871345128332}],"sentiment":"neutral","sentiment_score":0.1836871345128332,"channel":0,"num_words":7,"start":2798.585,"end":2800.125},{"sentences":[{"text":"Sure.","start":2800.71,"end":2801.145,"sentiment":"neutral","sentiment_score":0.2685830593109131}],"sentiment":"neutral","sentiment_score":0.2685830593109131,"channel":1,"num_words":1,"start":2800.71,"end":2801.145},{"sentences":[{"text":"Cool.","start":2802.4248,"end":2802.905,"sentiment":"positive","sentiment_score":0.46578025817871094},{"text":"Alrighty.","start":2802.905,"end":2803.405,"sentiment":"neutral","sentiment_score":0.3158799409866333},{"text":"Any other questions at the moment before I let you go?","start":2803.545,"end":2805.45,"sentiment":"neutral","sentiment_score":0.0714710033075376}],"sentiment":"neutral","sentiment_score":0.1206031719652506,"channel":0,"num_words":13,"start":2802.4248,"end":2805.45},{"sentences":[{"text":"That's that's it.","start":2805.625,"end":2806.2651,"sentiment":"neutral","sentiment_score":0.05580230429768562},{"text":"Thank you so much for your time.","start":2806.2651,"end":2807.725,"sentiment":"positive","sentiment_score":0.7373679791178022}],"sentiment":"positive","sentiment_score":0.5328982766717673,"channel":1,"num_words":10,"start":2805.625,"end":2807.725},{"sentences":[{"text":"Amazing.","start":2807.8499,"end":2808.3298,"sentiment":"positive","sentiment_score":0.6427326202392578},{"text":"No.","start":2808.3298,"end":2808.49,"sentiment":"neutral","sentiment_score":0.21999484300613403},{"text":"Thank you for taking the time.","start":2808.49,"end":2809.69,"sentiment":"positive","sentiment_score":0.640482892592748},{"text":"I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment.","start":2809.69,"end":2816.51,"sentiment":"positive","sentiment_score":0.5499762545029322},{"text":"But thank you for spending the time with me tonight.","start":2816.57,"end":2819.211,"sentiment":"positive","sentiment_score":0.7274973779916764}],"sentiment":"positive","sentiment_score":0.5962212771177292,"channel":0,"num_words":45,"start":2807.8499,"end":2819.211},{"sentences":[{"text":"Thank you.","start":2819.5999,"end":2820.16,"sentiment":"positive","sentiment_score":0.7604883015155792},{"text":"Have a nice night.","start":2820.16,"end":2821.22,"sentiment":"positive","sentiment_score":0.7383082211017609}],"sentiment":"positive","sentiment_score":0.7457015812397003,"channel":1,"num_words":6,"start":2819.5999,"end":2821.22},{"sentences":[{"text":"You too.","start":2821.451,"end":2821.8508,"sentiment":"positive","sentiment_score":0.4581754058599472},{"text":"I'll talk to you soon.","start":2821.8508,"end":2822.911,"sentiment":"positive","sentiment_score":0.39399367570877075}],"sentiment":"positive","sentiment_score":0.41233131289482117,"channel":0,"num_words":7,"start":2821.451,"end":2822.911},{"sentences":[{"text":"See you.","start":2823.0398,"end":2823.3599,"sentiment":"positive","sentiment_score":0.41009198129177094},{"text":"Bye.","start":2823.3599,"end":2823.8599,"sentiment":"neutral","sentiment_score":0.2127058357000351}],"sentiment":"positive","sentiment_score":0.344296599427859,"channel":1,"num_words":3,"start":2823.0398,"end":2823.8599},{"sentences":[{"text":"Bye.","start":2824.171,"end":2824.671,"sentiment":"neutral","sentiment_score":-0.11032386124134064}],"sentiment":"neutral","sentiment_score":-0.11032386124134064,"channel":0,"num_words":1,"start":2824.171,"end":2824.671}]},"summary":{"result":"success","short":"The speaker from Oakview Financial discusses their annual review and security check with Simone, recommending starting with a Comsec account for low fees and a wrap platform for larger balances. They emphasize the importance of investing in certain stocks and creating a personal risk profile. The speaker emphasizes the importance of regular contributions and monitoring returns. They also discuss the importance of maintaining a risk profile and balancing investments and contributions in the portfolio. The speaker provides information on their personal investment strategy, including creating a personal risk profile and tailoring portfolio investments depending on customer personal goals. They emphasize the importance of setting up a savings account and updating their details. The speaker provides advice on maintaining high income and growth investments while staying in their family and maintaining a high income while working on a family building. They also discuss tax benefits and retirement goals for the customer."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review if you still have time. Yeah.","start_word":25,"end_word":42,"intents":[{"intent":"Review annual review","confidence_score":0.10744108}]},{"text":"And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we Mhmm. carried across from last year, if that's okay. Cool.","start_word":336,"end_word":374,"intents":[{"intent":"Update and update details","confidence_score":0.0068512624}]},{"text":"Now I've got your retirement age set for 60. That's Mhmm.","start_word":429,"end_word":439,"intents":[{"intent":"Discuss retirement age","confidence_score":0.20841338}]},{"text":"And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing? I guess we're we're trying to trying to think about trying to start a family at the moment. So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan. Yep.","start_word":475,"end_word":543,"intents":[{"intent":"Understand financial situation","confidence_score":0.0009631184}]},{"text":"And I'm just having a quick look at assets and liabilities there. You've still mainly just got the the main residence with the mortgage Mhmm. car and a little bit of the CommSec account. Is that kind of your main assets?","start_word":546,"end_word":586,"intents":[{"intent":"Inquire about assets and liabilities","confidence_score":0.037319273}]},{"text":"I know the interest I rates think have we're jumped at up. about $4.20 now, 4 roughly. 20.","start_word":614,"end_word":631,"intents":[{"intent":"Evaluate interest rates","confidence_score":0.0077160983}]},{"text":"you kind of built up the Comsec account above that? I think I'm at about 13 or 14 k at the moment. Oh, fantastic.","start_word":717,"end_word":740,"intents":[{"intent":"Evaluate comsec accounts","confidence_score":0.0022804814}]},{"text":"way I can explain the landscape for you is Mhmm.","start_word":1033,"end_word":1042,"intents":[{"intent":"Explain landscape","confidence_score":0.65247375},{"intent":"Discuss balance and budget","confidence_score":0.000010579417}]},{"text":"a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them. Mhmm.","start_word":1060,"end_word":1080,"intents":[{"intent":"Provide starting point","confidence_score":0.1136976}]},{"text":"thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example, Mhmm. from us, or other investment options, asset classes, and things like that. Yep.","start_word":1107,"end_word":1147,"intents":[{"intent":"Start trading account","confidence_score":0.000205312},{"intent":"Discuss platform options","confidence_score":0.058147106}]},{"text":"So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held Mhmm. personally in your name, and they've got Yep. all the same investment options. 1,000 Okay.","start_word":1148,"end_word":1192,"intents":[{"intent":"Explain investment options","confidence_score":0.012581956},{"intent":"Provide investment options","confidence_score":0.072644204}]},{"text":"you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform. So it's kind of like three degrees of platform structure. One for Mhmm. the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that. Yep. K?","start_word":1338,"end_word":1399,"intents":[{"intent":"Explain platform structure","confidence_score":0.062025044}]},{"text":"Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can Mhmm. invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house Yeah.","start_word":1401,"end_word":1444,"intents":[{"intent":"Invest","confidence_score":0.03892832},{"intent":"Invest","confidence_score":0.0213348}]},{"text":"What are your thoughts on that so far?","start_word":1482,"end_word":1489,"intents":[{"intent":"Discuss","confidence_score":0.12079874},{"intent":"Consider","confidence_score":0.26110408},{"intent":"Consider","confidence_score":0.13977209}]},{"text":"And I was wanting to kind of gauge your comfort level with that. Yeah.","start_word":2146,"end_word":2159,"intents":[{"intent":"Evaluate comfort level","confidence_score":0.094049}]},{"text":"If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price. And then when the Yeah.","start_word":2257,"end_word":2291,"intents":[{"intent":"Explore investment options","confidence_score":0.00078909646}]},{"text":"I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market.","start_word":2676,"end_word":2715,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.0003531086}]},{"text":"I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year.","start_word":2796,"end_word":2831,"intents":[{"intent":"Assess ai impact","confidence_score":0.003199394}]},{"text":"Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return? Do you have, like, a bit of a gut feeling between the two?","start_word":3195,"end_word":3248,"intents":[{"intent":"Compare investments","confidence_score":0.054070283}]},{"text":"So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update, Sure. and Sure.","start_word":3744,"end_word":3774,"intents":[{"intent":"Update advisors","confidence_score":0.0013339579}]},{"text":"So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across. But I've found that, like, when we run out of money, then we just transfer more across from the offset. So it's yeah.","start_word":4121,"end_word":4169,"intents":[{"intent":"Transfer money in combank","confidence_score":0.0011710416}]},{"text":"But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction? Do you know what I mean? Yeah.","start_word":4272,"end_word":4309,"intents":[{"intent":"Analyze account balance","confidence_score":0.00032628866}]},{"text":"I'm just gonna put that in as maiden name as well so no one assumes. Mhmm.","start_word":4887,"end_word":4902,"intents":[{"intent":"Correct information","confidence_score":0.00018712736}]},{"text":"I was just double checking because Theodore was listed as your next of kin and emergency contact, Yep. And I'm assuming that is your partner, not like a friend. Hero?","start_word":4954,"end_word":4983,"intents":[{"intent":"Confirm status","confidence_score":0.00039551104}]},{"text":"will kits from the post office for about $25, which are quite basic, but Yeah.","start_word":5276,"end_word":5290,"intents":[{"intent":"Request will kits","confidence_score":0.0022925164}]},{"text":"So If I'm you like can email it to me, I can Yep.","start_word":5628,"end_word":5640,"intents":[{"intent":"Email status updates","confidence_score":0.000029407674}]},{"text":"Just quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to Mhmm. double check with you as well. So let's say that situation happens. Your car accident can never work again. There's 550,000 comes out plus your 100 Yep. and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over.","start_word":5961,"end_word":6029,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.025584282}]},{"text":"You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that Yeah. event.","start_word":6183,"end_word":6210,"intents":[{"intent":"Discuss savings and retirement","confidence_score":0.0000016607688}]},{"text":"So I think you can pretty much get to most common retirement goals as is without Mhmm.","start_word":6945,"end_word":6961,"intents":[{"intent":"Optimize retirement goals","confidence_score":0.003921683}]},{"text":"not gonna recommend it for this year.","start_word":7229,"end_word":7235,"intents":[{"intent":"Evaluate benefits","confidence_score":0.0011758364}]},{"text":"So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once Yeah.","start_word":7362,"end_word":7388,"intents":[{"intent":"Maintain high income","confidence_score":0.7101964},{"intent":"Manage budgeting","confidence_score":0.017250737}]},{"text":"you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you Mhmm.","start_word":7388,"end_word":7411,"intents":[{"intent":"Complete salary sacrifice","confidence_score":0.0025816704}]},{"text":"of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super.","start_word":7475,"end_word":7497,"intents":[{"intent":"Use cash flow for mortgage","confidence_score":0.24209651}]},{"text":"I hope that kinda I helps guess a little my bit. my mindset is kind of, like I think I'm very much, like, live to my me. So it's like, The full if I savings can aspect. it's if I can afford to do it, I Yeah.","start_word":7538,"end_word":7584,"intents":[{"intent":"Save money","confidence_score":0.3395062}]},{"text":"And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the yeah.","start_word":7653,"end_word":7679,"intents":[{"intent":"Update embas and agreements","confidence_score":0.00067250855}]},{"text":"Because I know a lot of people were doing the matching program. You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway. Do you know I'm if not they did sure, that with to yours? be honest.","start_word":7734,"end_word":7793,"intents":[{"intent":"Check contributions and determine eligibility for matching program","confidence_score":0.011587178}]},{"text":"I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well.","start_word":8065,"end_word":8091,"intents":[{"intent":"Discuss investments","confidence_score":0.16832224}]},{"text":"Any other things I can help with before I let you go?","start_word":8094,"end_word":8105,"intents":[{"intent":"Ask questions","confidence_score":0.0047961273}]},{"text":"If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients?","start_word":8126,"end_word":8149,"intents":[{"intent":"Inquire about future contact with partner","confidence_score":3.402315e-7}]},{"text":"After that point, we can do joint reviews with you guys and joint advice together because we need to factor Mhmm. in, you know, joint retirement goals and things like that, but we just wanna Yep. make sure he has that foundational piece to start with. Yeah.","start_word":8195,"end_word":8241,"intents":[{"intent":"Inquire about joint advice","confidence_score":0.002048785}]},{"text":"From that point, a couple of things to consider is there is, like, a partner fee discount as well. So I was Mhmm.","start_word":8243,"end_word":8265,"intents":[{"intent":"Discuss fee discount","confidence_score":0.26271805}]},{"text":"link your accounts together for cheaper admin fees. And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts. So there's a lot of a lot of linking for discounts that can be done as well. Okay.","start_word":8332,"end_word":8380,"intents":[{"intent":"Discuss link accounts","confidence_score":0.20202726}]},{"text":"I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year. If Mhmm. we do bring your partner on board, we will send you an amended agreement after he signs up as well. Sure. K? Yeah.","start_word":8386,"end_word":8432,"intents":[{"intent":"Verify agreement","confidence_score":0.0005089163}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Simone. It's Tommy here, senior adviser from Oakview Financial. How are you going this evening?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.17541860044002533},{"text":"Good. Thanks. How are you? I'm doing fantastic. I'm just giving you a call to go through your annual review if you still have time.","start_word":17,"end_word":41,"sentiment":"positive","sentiment_score":0.4705538749694824},{"text":"Yeah.","start_word":42,"end_word":42,"sentiment":"neutral","sentiment_score":0.2197070419788361},{"text":"Sure. Fantastic.","start_word":43,"end_word":44,"sentiment":"positive","sentiment_score":0.4757045805454254},{"text":"So I've got a bit of an email pack I'm gonna send through to you today. Are you okay if I just go through a quick security check with you? Yeah. Of course.","start_word":45,"end_word":77,"sentiment":"neutral","sentiment_score":0.2335763722658157},{"text":"Amazing.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.43849384784698486},{"text":"The calls are recorded for training and quality purposes. You don't have a security question on file. Could I please confirm your date of birth and address? Yep. 11/03/1991. Perfect.","start_word":79,"end_word":108,"sentiment":"neutral","sentiment_score":0.11192520707845688},{"text":"And And 361 Corby you're amazing.","start_word":109,"end_word":114,"sentiment":"positive","sentiment_score":0.3824382722377777},{"text":"And I'm registered Avenue. with Asica's adviser 1273105.","start_word":115,"end_word":122,"sentiment":"neutral","sentiment_score":0.18000681698322296},{"text":"But thank you very much for doing that, Simone.","start_word":123,"end_word":131,"sentiment":"positive","sentiment_score":0.5751376152038574},{"text":"Mhmm. Now I've got this pack coming out to your Gmail address. Will Yeah. you be able to look onto it with me today, or should I just walk you through the documents? I can open Amazing. So that'll come through in a moment. It's gonna come from our new Odoo system, which is kind of custom built for us. It may go through to your spam box or your main inbox as well just hear for that first time. Alright. Now just while that's going through to you, Simone, is there anything in particular that you're hoping to get out of this year's review? Sure. No. Not in particular. I guess just had a look at my super the other day, and then I've I've started kind of just doing investing through Comsec this year, which I guess is different to what I've done in the past. So I don't know whether that's something that I can do through you guys as well or but I guess that's the only thing that's kind of new that I'm Yep. interested Perfect. in getting a bit more information about. Yep.","start_word":132,"end_word":320,"sentiment":"neutral","sentiment_score":0.0810796394944191},{"text":"I can definitely help you with the personal investment side of things as well.","start_word":321,"end_word":334,"sentiment":"positive","sentiment_score":0.37153860926628113},{"text":"And if it's okay with you, I'll just kinda go through and update a few details on file just to make sure the new system's accurate from what we Mhmm. carried across from last year, if that's okay.","start_word":335,"end_word":372,"sentiment":"neutral","sentiment_score":0.13867948949337006},{"text":"Cool. Yep.","start_word":373,"end_word":374,"sentiment":"positive","sentiment_score":0.4527607858181},{"text":"So I'm just gonna quickly go through the previous goals from your conversation with Dana there.","start_word":375,"end_word":390,"sentiment":"neutral","sentiment_score":0.3248608410358429},{"text":"It was pretty straightforward from what I can see.","start_word":391,"end_word":399,"sentiment":"positive","sentiment_score":0.38177603483200073},{"text":"You're really just focusing on paying down the mortgage a bit of an earlier Mhmm. retirement and maintaining a bit of protection there. Does that sound about right? K. Now I've got your retirement age set for 60. That's Mhmm. your Mhmm. preservation age when you can access super. So, obviously, Yep. trying to grow things quite quickly to make sure there's enough there by 60. Does that sound right? Yeah. Ideally, if possible. Absolutely. And outside of that, is there anything on the go for you for the next, say, three years besides the Comsec investing? I guess we're we're trying to trying to think about trying to start a family at the moment. So I think I I guess our financial situation is probably gonna look a little different over the next couple of years if all things go to plan. Yep. Okay.","start_word":400,"end_word":544,"sentiment":"neutral","sentiment_score":0.08135344833135605},{"text":"Fantastic.","start_word":545,"end_word":545,"sentiment":"positive","sentiment_score":0.4737510681152344},{"text":"And I'm just having a quick look at assets and liabilities there. You've still mainly just got the the main residence with the mortgage Mhmm. car and a little bit of the CommSec account. Is that kind of your main assets? K. If you don't mind me asking, with the mortgage, we had it listed at 450 Yep. thousand. Have you paid off a big chunk since then? I know the interest I rates think have we're jumped at up. about $4.20 now, 4 roughly. 20. And last value was 750,000. I know the market's kind of jumped up quite a bit the last year or so. Mhmm. Would We you haven't say had that? it valued, but I would say probably between $7.50 and I mean, I think 8 would be high range, but I think we'd probably pretty comfortably get $7. 50 now. Yeah. $7.50 to 800 as a bit of a range. Mhmm. I think we did actually have listed down about $5,000 in ETFs previously. Have Okay. you kind of built up the Comsec account above that? I think I'm at about 13 or 14 k at the moment.","start_word":546,"end_word":737,"sentiment":"neutral","sentiment_score":0.05466184297498936},{"text":"Oh, fantastic.","start_word":738,"end_word":739,"sentiment":"positive","sentiment_score":0.5901101231575012},{"text":"Are you putting aside, like, regular amounts? Or Yes. I'm doing two hun like, around 200 a fortnight. yep. Right.","start_word":740,"end_word":759,"sentiment":"neutral","sentiment_score":0.14190451800823212},{"text":"Good little toe dip into it.","start_word":760,"end_word":765,"sentiment":"positive","sentiment_score":0.5090184211730957},{"text":"And have you found it so far?","start_word":766,"end_word":772,"sentiment":"neutral","sentiment_score":0.24132518470287323},{"text":"Yeah. Good. Like, I'm not missing the money. I just become part of the routine now.","start_word":773,"end_word":788,"sentiment":"positive","sentiment_score":0.5025315880775452},{"text":"Yep. So it's part of the surplus there. It's not something that you need to kind of sell down or access in the next twelve months or so. Yeah. Hopefully not. Perfect. And the last couple of questions on assets and liabilities, you Mhmm. had 90,000 in sort of home contents and no other kind of personal loans or anything like that that we had listed down. Yeah. That's the same.","start_word":789,"end_word":859,"sentiment":"neutral","sentiment_score":0.07458250224590302},{"text":"Perfect.","start_word":860,"end_word":860,"sentiment":"positive","sentiment_score":0.4139903783798218},{"text":"Alrighty. Now I might just quickly touch on the the CommSec side of things at the moment. Now Mhmm. were you able to kind of pick your own ETF investments from your own research? How did you kind of come up with what to I just kind of went for very broad ones, to be honest. Like, with Comsec, they've got kind of categories that you can put invest in. So I've got, like, a tech one, them and then in? I've got a, like, global global top 200 or whatever, and then the ASX 200. Yep. So a bit of a spread across a few different ones. Yeah. I just kinda wanted to keep it very basic starting out.","start_word":861,"end_word":980,"sentiment":"neutral","sentiment_score":0.06302934139966965},{"text":"Perfect.","start_word":981,"end_word":981,"sentiment":"positive","sentiment_score":0.3839121460914612},{"text":"And did you just go for, like, a standard kind of Vanguard funds for all three of those? Yeah. I believe so.","start_word":982,"end_word":1003,"sentiment":"neutral","sentiment_score":0.1359989494085312},{"text":"Amazing. So nice and low fee there.","start_word":1004,"end_word":1010,"sentiment":"positive","sentiment_score":0.5976746082305908},{"text":"Brokerage isn't Mhmm. usually too much. Yeah. When it comes to the investing side of things, I guess the Mhmm. way I can explain the landscape for you is Mhmm. your Comsec accounts, nav trade accounts give you access to the shares and the ETFs. And it's Mhmm.","start_word":1011,"end_word":1058,"sentiment":"neutral","sentiment_score":0.13127399577448765},{"text":"a really good starting point because all you're really worried about is a bit of brokerage fee to purchase them.","start_word":1059,"end_word":1078,"sentiment":"positive","sentiment_score":0.5317509770393372},{"text":"Mhmm. From that point, fees ongoing are pretty well minimal, if not nothing, and then you're just trying to get those funds to grow. The only Yeah. thing that you would kind of do differently from your trading account is using managed funds and actual platforms to get access to either management, for example, Mhmm. from us, or other investment options, asset classes, and things like that. Yep. So one of the examples I can give you is that your Superfund Hub twenty four, they offer investment accounts which are identical to your super account just held Mhmm. personally in your name, and they've got Yep. all the same investment options. 1,000 Okay. 300 options, all the shares, ETFs, everything you kind of want, and you can Mhmm. pretty much have, like, a super account and an investment account alongside each other on the same login, if that makes sense. Yeah. So we do do a lot of that for clients. But when you've got a platform like Hub 24, that was kind of chosen for you because you've got such a good balance. You can kind of Okay.","start_word":1079,"end_word":1267,"sentiment":"neutral","sentiment_score":0.1879342794418335},{"text":"afford to get the fancier platform with all the bells, whistles, features, and options.","start_word":1268,"end_word":1281,"sentiment":"positive","sentiment_score":0.35794657468795776},{"text":"It's not something that you would do, for example, with 13,000. We usually start off people in those accounts at about 50 or 80,000. Yeah. Sure.","start_word":1282,"end_word":1307,"sentiment":"neutral","sentiment_score":0.09192774444818495},{"text":"So one of the things that we tend to do is starting off yourself in a Comsec account is a great way to get rolling.","start_word":1308,"end_word":1332,"sentiment":"positive","sentiment_score":0.4996590316295624},{"text":"And then once Mhmm. you build up to a certain amount, you can then look at either a managed platform or Hub 24 is called a wrap platform. So it's kind of like three degrees of platform structure. One for Mhmm. the first 20,000, another one that's kind of good for 20 to 50,000, and then something that's for a larger balance above that. Yep. K? Outside of that, if you're wanting to, for example, invest for let's say you start a family, you can Mhmm. invest in things like bonds to build up, like, a tax free amount to pass to them when they're 18 for a house Yeah. deposit or a car. So you kind of bounce between the two. You've got your Mhmm. ETFs and managed platforms, and then you've got, like, tax structures for investing Yep. for on behalf of other people. Yeah. Okay. What are your thoughts on that so far? I know I've just kind of dumped a bit of info at you, but any initial thoughts? I guess that's something that potentially we will look into if if the family happens. Yeah. Yeah. I I mean, I I very much feel like I'm just kinda dabbling at the moment. So I think I guess once I hit that 20 k, then potentially I could would be interested in knowing what the next best thing is to do. So I guess are you recommending to get the 20 k, just kinda keep plugging away with what I'm doing? Yeah. So the two main considerations I'll give you is, yes, absolutely. Mhmm. If you can afford to do the 200 a fortnight and you've got a pretty quite sensible structure in terms of the three investments, the tech, the a 200, and the global shares, you can pretty much just let that roll. There's no point trying to kind of go fancier than that and apply any fees.","start_word":1333,"end_word":1655,"sentiment":"neutral","sentiment_score":0.10118261210320537},{"text":"Yeah. That's perfectly fine the way it is.","start_word":1656,"end_word":1663,"sentiment":"positive","sentiment_score":0.6443782448768616},{"text":"The only thing Mhmm. to keep in mind is, like I mentioned before, access to the funds. If you're Mhmm. gonna put it all in shares, you generally wanna be investing for at least five to ten years rather Yeah. than I'm just trying to build up a house deposit for twelve months, and I'm gonna sell it down potentially Yeah. I in guess the that's middle why of I the kind stock market of crash. only was doing the 200 because yeah. I'm I'm kind of using that as, like, set and forget at the moment. Yeah. It's almost like you're gonna forward to lose it kind of thing. So it's it's okay if it kind of goes up and down with the stock Yeah. market, would you say? Yes.","start_word":1664,"end_word":1794,"sentiment":"neutral","sentiment_score":-0.09966435192423012},{"text":"Absolutely.","start_word":1795,"end_word":1795,"sentiment":"positive","sentiment_score":0.3990046977996826},{"text":"So one thing that we would do down the line too is we put you in a bit of a risk profile for your super, which is that high growth, if you recall. Mhmm. Yep.","start_word":1796,"end_word":1830,"sentiment":"neutral","sentiment_score":0.15231551229953766},{"text":"And that's all perfectly well to try and get maximum growth for retirement over the next Yep.","start_word":1831,"end_word":1847,"sentiment":"positive","sentiment_score":0.43246105313301086},{"text":"thirty years. When we do personal investing, we actually create for you a personal risk profile. And even though you've got access to the same investments, we might build your portfolio a little bit differently depending on Mhmm. what your personal goals are, Whether that's just earlier retirement at 50 instead of 60 or just a bit of wealth creation for some holidays, again, investing with children and so Yep. on, we can kind Mhmm. of tailor things a little bit there down the line. Yeah. Cool. Now while we're on the subject, I just wanted to double check. Obviously, you've been checking Sure. your super lately, and Mhmm. you're in that kind of volatile market at the moment. I've noticed Yep. your your fund bouncing up and down quite a bit lately. When was the last time you logged in? Yesterday, I think. Yesterday or the day Yesterday. before. But Perfect. I hadn't for a while before that. One really good example I wanted to just quickly run by you is Mhmm. when the market kind of dropped at the March, I'm kind of watching your account go from a 145,000 down to a 135. So it's a Yep. $10 drop, and then it bounced straight back up to $1.46 a few Mhmm. weeks later. So it's like 10 down, 11 up, and Yeah. that kind of equates to, like, a 7% drop and a 9% gain in all Mhmm. of six weeks. So that's kind Yeah. of the volatility we're looking at. I know that's a bit of a, you know, a bit of a buzzword in the industry, but it just means that when the world's doing what it's doing currently, higher highs and lower lows in Mhmm. a Yeah. shorter period of time. And I was wanting to kind of gauge your comfort level with that. Yeah. I think I'm like yeah. I feel like that's to be expected at the moment. Yep. Now our usual strategy in that situation is obviously your contributions are coming in very regularly from work, especially Yeah. considering you're in the education department.","start_word":1848,"end_word":2200,"sentiment":"neutral","sentiment_score":0.04924843195963007},{"text":"They pay pretty well on the payroll frequency.","start_word":2201,"end_word":2208,"sentiment":"positive","sentiment_score":0.3796662390232086},{"text":"They're not just Mhmm. waiting for a quarter, which means you get to kind of spread out the buys into the market just like you're doing with the Comsec on that weekly Yep. Mhmm. fortnightly basis. So what we tend to do there is contributions come in. If the market's dipping and we buy in there, it's just kind of used as a buying opportunity to pick up some shares, property, and gold for the cheaper price. And then when the Yeah. market bounces back, you can kinda get that big double digit return on the way up again. Yep. Now probably don't wanna stay high risk when you're, say, 59 and then Mhmm.","start_word":2209,"end_word":2322,"sentiment":"neutral","sentiment_score":0.14825189113616943},{"text":"lose half your super to a stock market crash a year before you retire.","start_word":2323,"end_word":2336,"sentiment":"negative","sentiment_score":-0.3674489855766296},{"text":"Does that make sense? Yep. Absolutely. So if you're comfortable with that, I just wanted to kind of let you know that in the performance report attached to that email I sent you I don't know if you can see Mhmm. that there. There's a hub twenty four performance report. Oh, yeah. Sorry. The attachment. I have '24 performance report. Yep. Yep. And you should see on the first page a really big blue table with all your different investment codes there similar to your CommSec Yep. because they are ETFs as well. And then the Mhmm. second page is your total portfolio in one line. Yep. K.","start_word":2337,"end_word":2444,"sentiment":"neutral","sentiment_score":0.09106025844812392},{"text":"So overall, 10.33% return after fees. Fantastic.","start_word":2445,"end_word":2451,"sentiment":"positive","sentiment_score":0.4534268379211426},{"text":"Mhmm. That's kind of what we're aiming for in high growth is 10% or above Yeah. in terms of a benchmark. The thing that I looked to beforehand is on that first page, you can see there's a huge difference between, on the very right hand column, the different Yeah. percentage returns of each asset that you hold. So if you can make out the figures for me, can you see there's a couple there in brackets, which is a negative return, Yeah. and Yeah. the rest of them vary between 4% upwards of 80 or 90%. Yeah. K. So that's all your different sectors and asset classes. So Mhmm.","start_word":2452,"end_word":2561,"sentiment":"neutral","sentiment_score":-0.046138688921928406},{"text":"Australian shares, gold, your battery tech and lithium was amazing.","start_word":2562,"end_word":2571,"sentiment":"positive","sentiment_score":0.3647366464138031},{"text":"That's kind of electric vehicles. That one Yep. had probably the biggest surge in the last twelve months, but your Australian Yeah. shares are a bit down at the moment as well. Yeah. K. So what we tend to do is every now and then, we just kind of rebalance things a little bit, sort of sell high to buy low, rebalance Mhmm. your investments, and then just keep your contributions going in to keep buying into those different assets. Okay. K? Any questions or concerns so far from what you can see and from what I've told you? No. It's okay. K? I am putting a bit of a flag on that Australian shares option that you have because if you look at a few other Australian shares options, they haven't dropped as much as that one has in the recent market. So That's that it's, manage phone at the top. Is it? yes. That been a long fund. It's Yep. dropping a little bit quicker than the other options in the same space. And if that Yep. doesn't bounce back in the next three to six months, I would probably look at replacing that one in particular, but the rest of them Mhmm. are all looking pretty good. Yep. K? There's a couple there that had, like, a slight negative. I know there was cybersecurity that went down a little bit, but generally speaking, with the way the world's going with AI, you'd probably expect that one to have a bit of a gain next year. So we call that kind of cyclical. Depends Yeah. on what's going on in the world economy a little bit more than Mhmm. just following So, your country up and down. sorry. The incoming period, is that, like, is that, like, dividends from those shares or what? I'm Yes. just Correct. trying to understand So the things at the top. yeah. So in the the middle, there's a few different columns. You've got essentially buys and sells, which is just contributions going in and funds being sold down to pay for, like, fees and premiums and taxes. But Yeah. the two next to it, growth and income, that's your capital growth versus your dividends. Yep. Okay. So they kind of combine the two and go, okay. Total And earnings growth for that is investment. essentially just the is that with the start of the period to the end of the period with the market value? Yes. So the value of the underlying shares or assets, it's Yep. the the capital value of them. So if you bought Microsoft and it went Mhmm. up in value, that would be plugged in there as the dollar figure and the percentage. And then if it paid a dividend, that would be split separately and then merged together at the end for the total return. Yeah. Sure.","start_word":2572,"end_word":3052,"sentiment":"neutral","sentiment_score":0.006076974937549004},{"text":"Cool.","start_word":3053,"end_word":3053,"sentiment":"positive","sentiment_score":0.405583530664444},{"text":"And you should see something pretty similar on your CommSec account. I know the reporting's not exactly the same, but they should be able to show you the dividends that are coming out from those ETFs that you've got, whether you've got, Right. like, Yep. a reinvestment plan and the the fluctuating unit values as well. Yep. K? So, again, I'm gonna keep an eye on that one at the moment, and there's a few that I'm kind of researching in the background to see if we need to do a bit of a switch.","start_word":3054,"end_word":3148,"sentiment":"neutral","sentiment_score":0.1757245808839798},{"text":"All in all, though, I kind of like the spread that you've got in your super funds.","start_word":3149,"end_word":3165,"sentiment":"positive","sentiment_score":0.3429925739765167},{"text":"You've got property, gold, Aussie shares international. It's I guess the buzzword is diversification, but Yep. there's no areas there that I think that you're lacking. Yep. K? Just quickly as well, I wanted to ask you, Simone, do you have a bit of a a strong leaning or preference between having kind of the lowest fee investments versus the idea of paying higher fees for a higher return? Do you have, like, a bit of a gut feeling between the two? I think at the moment, I've just lent more towards the low fees just because yeah. I feel like I am very much in the beginning phase of, like, kind of trying to understand it all, and that just felt a little bit lower stakes for me in terms of, like, just investing a little bit with the low fees to start off with. Yeah.","start_word":3166,"end_word":3312,"sentiment":"neutral","sentiment_score":0.14720726013183594},{"text":"Absolutely. And we can do we've pretty much got a similar approach with the super.","start_word":3313,"end_word":3327,"sentiment":"positive","sentiment_score":0.3859170079231262},{"text":"All of those ETFs that you've got, I would pretty much call them passive funds like your Vanguard. The managed Mhmm. fund at the top is the one that's kind of supposed to be outperforming based on the Yep. phase that it's charging. So that's Yep. one where I would kind of look at a bit of an index fund replacement, pretty Mhmm. similar to the one that you would already have in your CommSec, the a 200. Yeah. Yeah. Okay. K? Now are you okay for me to kind of put a bit of a flag on there to catch up with you in a few months' time for that one in particular, or would you rather I just kind of switch that app now and let it run for six to twelve months? Sorry. Whether to switch it out now or leave it to receive the changes. Sorry. Yes. Is that That's what you're asking right. me? Sorry. Yep. Absolutely. I've spent I'm in kindergarten teacher. No. I it's been a long day. Yeah. Okay.","start_word":3328,"end_word":3504,"sentiment":"neutral","sentiment_score":0.09322772920131683},{"text":"I'm I'm happy to go with, like, what you're, like, what you would advise, to be honest.","start_word":3505,"end_word":3521,"sentiment":"positive","sentiment_score":0.4661300480365753},{"text":"I with my super, I'm very much kind of got the mindset that I'm not accessing it anytime soon. So Yeah. I'm I'm not super concerned if things are not, you know, doing super well. Like, some of it's not doing super well at the moment. If it's something to wait out or if it's just like yeah.","start_word":3522,"end_word":3579,"sentiment":"neutral","sentiment_score":-0.17814703285694122},{"text":"I'm happy to go with what you advise in terms of if there are better options, I'm happy to switch.","start_word":3580,"end_word":3599,"sentiment":"positive","sentiment_score":0.4285440742969513},{"text":"But if it's just something that we weighed out and it's not a big deal, I'll make it just stay as well. Yep.","start_word":3600,"end_word":3622,"sentiment":"neutral","sentiment_score":0.259970486164093},{"text":"That's pretty reasonable.","start_word":3623,"end_word":3625,"sentiment":"positive","sentiment_score":0.5323671698570251},{"text":"And I think the main thing I I just wanna be careful of too is that if I need to switch this out down the line, like, if it doesn't pick up, as long as I can get in contact with you just to go through some updated advice documents to get your authorization to do so, more than happy Yeah. to do that. The main thing is, look, if one option's not doing so good, but overall the portfolio is hitting the mark, I Yeah. don't usually Yeah. play with it too much Yeah. every Yeah. couple of months. But if you had three options that run the performing, we would do a full rebalance. Yeah. So if it's okay with you, I'll get the team to reach out towards the end of the year just to give you a bit of an update, Sure. and Sure. I'll pretty much have the research pre prepared for you as well. Right. K? Outside of that, because you are directing your cash flow towards both your Comsec account and your, like, your mortgage, you tend to put Yep. a lot of your surplus into, like, an offset account or anything like that? Yeah. We've got an offset at the moment. Yeah. Honestly, to be honest, I probably need to get a bit better with saving and making sure more more goes in there. But, yeah, it will typically, we'll go into the offset or, yeah, just kind of everyday spending. I I do it like I have an emergency fund, which I've got in a high interest savings account, which I should probably move over into the offset, but I just haven't it's I've had it there for ages. Yeah. And then I usually just kind of, yeah, have an account that I use for, like, spending money on top of that as well. So, Mohan, what what bank you with at the moment? I've got a couple of different ones. So I've got an ING, a UBank, and a com ComBank as well. So I've Yeah. been kind Wow. of using Okay. my UBank for I like with UBank. They've got, like, a little savings target, so I feel like the interest is Yes.","start_word":3626,"end_word":3999,"sentiment":"neutral","sentiment_score":0.1023976139445356},{"text":"really good with UBank.","start_word":4000,"end_word":4003,"sentiment":"positive","sentiment_score":0.5287387371063232},{"text":"So I kind of use UBank as my, like, everyday stuff, but then ComBank is more stuff that we use as a couple. And, yeah, I I don't know. I guess I like with UBank. I've got kind of my buckets in there, and I know not to touch it. Whereas with our bank stuff, we've got the offset, but then we use it for if we've got bills and things like that. So I feel like the money isn't necessarily not being spent. I feel like our offset is not as sacred as it should be. Yeah. It's just too accessible, too easy to transfer Yeah. between accounts and swipe a card, isn't it? Yeah. So we tried to kinda set up a spending account with Comsec so that we with Combank so that we would, like, transferring an amount across. But I've found that, like, when we run out of money, then we just transfer more across from the offset. So it's yeah.","start_word":4004,"end_word":4168,"sentiment":"neutral","sentiment_score":-0.0031912620179355145},{"text":"I I I understand that most of our money should be sitting in the offset, but I feel like when it's in the offset, it's also a danger of being spent.","start_word":4169,"end_word":4199,"sentiment":"negative","sentiment_score":-0.4930731058120727},{"text":"You know what? That's actually really mature of you to recognize because most people fall into that trap for ten, twenty years where they're just like, this should be working, but it's not. And, Yeah. really, it's just recognizing the behavioral side of things that if it's there, it's too easy to Yeah. touch. So some clients even go back to using a regrow facility because it's harder Yeah. to access. But if you find that having that separate bank and savings targets helps you guys, look, what's the the extra 0.5% over actually having the budget moving in the right direction? Do you know what I mean? Yeah. Yeah. I mean, it's I don't think it's, like, the best way, but it's kind of working at the moment. You know, I've got on my list To be honest, of Simone things to be more financially literate. yeah. But that takes so much it takes time. It takes practice. It takes revisiting it regularly. Yeah. And if you find that putting into a savings account works for you, like, absolutely go for it. It's again, it's a small difference there, but the offset account to kinda have the banks get you anyway because they know it's such a temptation that Yeah. people don't offset as much as they think they would have when they start that journey. Yeah. So, actually, one thing I wanna quickly check with you is in terms of that savings amount, do you mind if I note that down in your assets as well? Yeah. Sure. So I've got, like, around 12 k in just, like, an emergency fund. Sensational. And that's with UBank? That's with UBank.","start_word":4200,"end_word":4480,"sentiment":"neutral","sentiment_score":0.05507976010282693},{"text":"And Amazing.","start_word":4481,"end_word":4482,"sentiment":"positive","sentiment_score":0.4374350011348725},{"text":"then, yeah, the interest rate's pretty good on that. So you kinda get probably about $50 a month of interest on top of that as long as you put enough Yep. into the account. And then I start sorry. One sec. And just while you're grabbing that up as well, is there a set amount you're putting into that one as well every single pay? Not at the moment. So I that's something that I kinda want to sort out. I was, and then we had our wedding, and everything went to shift. And then yeah. So I'm getting back on track after that. But yeah. With UBank, I've got, like, a fund money bills, long term savings, emergency fund, and then, like, a bit of a bumper account, which I don't know, is a bit of a cheat. But, yeah, I've got 12,200 in the emergency and then 8,400 in the in my long term savings there. So I do wanna get better at kind Yep. of allocating that amount. But, yeah, I've gotta get back on track with that.","start_word":4483,"end_word":4663,"sentiment":"neutral","sentiment_score":0.05012255649787287},{"text":"Look. That's fantastic. I mean, in this economy, having $20,000 in savings is actually really good, especially given I know how expensive weddings are these days.","start_word":4664,"end_word":4689,"sentiment":"positive","sentiment_score":0.544880211353302},{"text":"Yeah. There's a lot of people kind of scrimping week to week, so I think that's fantastic. Yeah. I'll put down I might just put down the 200 a fortnight at the moment for your surplus because that's consistently going into your CommSec account. And for the Yep. rest of it, I'm assuming we'll kind of revisit that at the next review as well to kind of see how your cash flow is settled in as well. Yeah. Sure. I mean, I always do, like, a set amount into our offset and then the investment first, and then I kind of it's a bit random with whatever's left Yeah. Absolutely. Can I just quickly check with you as well? I mean, congratulations on the wedding, but do we need to update your details, any name changes, or anything like that, or is over. that down No. the Name's line still potentially? the Perfect. Maybe. Alright. Maybe. But Peachy is a good name. I don't it's hard to Peachy hard to let is go a of. great name. I'll put that down. So we'll go married status, but Peachy is the surname to stay. And Yep. I'm just gonna put that in as maiden name as well so no one assumes. Mhmm. And just to double check, is that to Theodore? Oh, sorry, Simone. Are you still there?","start_word":4690,"end_word":4916,"sentiment":"neutral","sentiment_score":0.0923717051810105},{"text":"Thank you.","start_word":4917,"end_word":4918,"sentiment":"positive","sentiment_score":0.3767504394054413},{"text":"Oh, are you there? Oh, I just lost you for a few seconds. Can you hear me okay? Yes. I'm back. Sorry. About seven seconds have cut out there. I do apologize. Sorry. Okay. I was just double checking because Theodore was listed as your next of kin and emergency contact, Yep. And I'm assuming that is your partner, not like a friend. Hero? Yes. Yeah. Yeah. So he's my husband. Yep.","start_word":4919,"end_word":4990,"sentiment":"neutral","sentiment_score":-0.04053338244557381},{"text":"Perfect.","start_word":4991,"end_word":4991,"sentiment":"positive","sentiment_score":0.5318955183029175},{"text":"Yeah. Just didn't wanna assume that your next of kin from original wasn't somebody else. Mhmm. We've got no changes to your address, email, or phone number. Mhmm. You mentioned before kindergarten before, and I think we had you as a bit of, like, a primary teacher. Did you have much Yep. of an income change? Because there was a potential drop on the cards from your last review. I'm wondering if that Yeah. No. I'm still working in higher duties at the moment, but it's like a year to year contract. So I don't uh-huh. know Okay. what the situation will be next year. K. Do you know what your annual income is gonna look like for the financial year when you do your tax return? So it'll be at that higher duty the whole yeah. Yeah. It's been for the last couple of years, so it should be the same.","start_word":4992,"end_word":5143,"sentiment":"neutral","sentiment_score":-0.050602518022060394},{"text":"Perfect.","start_word":5144,"end_word":5144,"sentiment":"positive","sentiment_score":0.449288547039032},{"text":"So that $1.40, I can kind of leave it there for the time being. Yeah. Around that mark.","start_word":5145,"end_word":5162,"sentiment":"neutral","sentiment_score":0.1991915702819824},{"text":"Perfect.","start_word":5163,"end_word":5163,"sentiment":"positive","sentiment_score":0.4359382688999176},{"text":"And, actually, last thing I wanted to check with you on the details was did you end up putting in place, like, a will or a power of attorney for estate planning? We haven't. It's not another thing on the list. I know that in your state, if it's helpful, besides Mhmm. obviously going to a lawyer, you can actually go to the public trustee of the state, kinda like the courthouse. They do wills and power of attorneys as well. And I know I don't know who it's through, but a lot of the teachers or teachers' unions tend to offer estate services as well. Okay. And there's even Okay. will kits from the post office for about $25, which are quite basic, but Yeah.","start_word":5164,"end_word":5289,"sentiment":"neutral","sentiment_score":0.08138678885168499},{"text":"they're good if it's just a mortgage and some savings.","start_word":5290,"end_word":5299,"sentiment":"positive","sentiment_score":0.5396743416786194},{"text":"Yeah. Sure. I did wanna ask you about the beneficiaries for the super, whether you wanted to still list anybody on there for who the super goes to. Is it down for the area at the moment? No. It's it's left blank at the moment. I wanted to just quickly check Yeah. I think with that's you my what bad. end up. Advice. I've received the papers a couple of times and not it's so bad. Yeah. That's It a it common will be occurrence. there. It's a guy. Yep. I don't know when you go to post office anymore, so I guess I need to go to get a wheel the wheel thing anyway. Yeah. Yeah. I mean, it it can only be your partner. Right? Or any line Financial dependent. Yeah. dependent? So Yeah. partner, But child, interdependency relationship are the three main ones. yeah. No. So just there. Yeah. If you want, if it's easier, we can, like, email through the forms as long as you've got access to a printer to kind of wet sign those, or we can Yep. even express post out the forms with a return envelope if that's easier. To be honest, I think I still got the old one. Does it need to be oh, yeah. No. I've I've signed them in 2024. Just do not post with them back. Oh, wow. Yeah. Did Maybe you get them witnessed as well? no. I haven't got a witness. I don't I think that was I think that was my roadblock, actually. Yep. I kept forgetting to take them out with me.","start_word":5300,"end_word":5568,"sentiment":"neutral","sentiment_score":-0.06805504113435745},{"text":"Oh, that can be a bit of a pain.","start_word":5569,"end_word":5577,"sentiment":"negative","sentiment_score":-0.5118424892425537},{"text":"I know Hub's really good for beneficiary forms, and they tend to accept them, generally speaking, no matter how old they are.","start_word":5578,"end_word":5599,"sentiment":"neutral","sentiment_score":-0.07227001339197159},{"text":"But there is a risk that if we try and submit it, that they may be rejected as an old form now that they've Yeah.","start_word":5600,"end_word":5624,"sentiment":"negative","sentiment_score":-0.40052106976509094},{"text":"updated them. So If I'm you like can email it to me, I can Yep. I can do that? I can get that organized. No worries at all. Now I'm And assuming then because I can you just filled them email in before. it back? Yes. Actually, Hub does accept them emailed back as long as they're kind of it's obvious that it was a a pen signature with Yeah. the two witnesses on the same date. Sure. Alrighty. So I'll put that in for a bit of a return there. Let me just double check as well while I've got you. Is your life insurance through MetLife? Yes. We have just over half 1,000,000 worth of life insurance there, which is the equal amount to the disability cover. It's your lump sums if you pass away or can never work again. You've just had Yeah. an anniversary on the April 2. Did you want Theo listed as the life insurance beneficiary as well? It's for life insurance, it could be pretty much anybody. Yeah. Yeah. I mean, it's yeah. They're they're cleared with the Medicare. K. Cool. I I can do that for both. That's no worries at all. Mhmm. It's just sometimes because the restrictions for super, usually people might do it a little bit differently for the life insurance, but I can line those Yes. up perfectly fine. Two quick questions on it. You do have Mhmm. the option to make it a lapsing nomination that expires every three years, so you have to review it, or it's non lapsing and it just continues until you change it. Yep. Yeah. No. I feel like I'll I'll just I'll leave it and let let you know if anything changes so I could because I just got married. Positive Yep.","start_word":5625,"end_word":5925,"sentiment":"neutral","sentiment_score":0.08365828543901443},{"text":"positive foreshadowing.","start_word":5926,"end_word":5927,"sentiment":"positive","sentiment_score":0.38809043169021606},{"text":"Okay.","start_word":5928,"end_word":5928,"sentiment":"neutral","sentiment_score":0.2167641520500183},{"text":"Positive foreshadowing is good.","start_word":5929,"end_word":5932,"sentiment":"positive","sentiment_score":0.7157423496246338},{"text":"I have had some interesting conversations over the years, but we can do that. And, look, we'll touch on it every review anyway just in case.","start_word":5933,"end_word":5958,"sentiment":"neutral","sentiment_score":0.23958665132522583},{"text":"Cool.","start_word":5959,"end_word":5959,"sentiment":"positive","sentiment_score":0.3471619486808777},{"text":"Just quickly as well, Simone, with that life insurance amount, because your super has gone up, I just wanted to Mhmm. double check with you as well. So let's say that situation happens. Your car accident can never work again. There's 550,000 comes out plus your 100 Yep. and 50,000 of your super, 700,000 there to kind of pay off the mortgage and leave a few 100,000 left over. Just wanted to double Mhmm. check with you that situation. Does that sound okay for you guys? Is that too high? Is that too low? I think that's Okay. At the moment. Yep. And just having a look at the price there. Yeah. Look. I'm not too concerned about the life and TPD. When you combine them together, it's about $400 coming out of the super per year, and then there's a 15% rebate which drops it under that amount as well. So it's not really, like, slowing down your growth, if that makes sense. Yeah. You do have the last one I wanted to touch on was your income protection. You've Yep. got a ninety day waiting period. So if you're out of work for more than ninety days, it'll kick in monthly all the way up to the age of 65 if an illness Yeah. or injury lasts that long. Mhmm. You do obviously have some savings there, so I'm assuming a couple of months is gonna be okay to wait before you get payments in that Yeah. event. I Is put that a good bank and sick leave as well because, like yeah. We've I work for the Department of Education, so it doesn't really matter if I move schools and things. Yep. It's still the same employer.","start_word":5960,"end_word":6249,"sentiment":"neutral","sentiment_score":0.052895549684762955},{"text":"Perfect.","start_word":6250,"end_word":6250,"sentiment":"positive","sentiment_score":0.5189023017883301},{"text":"Now your cover amount is $7,555 per month, and you do have indexation on that. So it does increase with inflation. Mhmm. Assuming I'm just gonna quickly work back the figures here. So that's protecting an income of 130,000, technically speaking. Okay. I think once you take off a bit of tax out of that, you'll probably get about 6 and a half thousand a month around about. Just double checking that still covers the expenses for you guys. Mhmm. Yeah. I think that should Cool. Because technically, you can go be for more based on the higher income. But, again, if that okay. contract is temporary, I don't wanna kind of increase your insurance Yep. and then all of a sudden have to decrease it again, and then you pay more than what you can claim on. Yes.","start_word":6251,"end_word":6389,"sentiment":"neutral","sentiment_score":0.09760547504365016},{"text":"Perfect. Alrighty.","start_word":6390,"end_word":6391,"sentiment":"positive","sentiment_score":0.3995771408081054},{"text":"Simone, we have gone through quite a few different areas tonight. Do you have any questions for me so far? Mhmm. Not at all good. Okay. So the main thing we're gonna do is I'm gonna keep an eye on your super investment options for the next few months, and Mhmm. then I'll get in touch with you to review whether we need to switch in a nice low fee option into your Australian shares. We'll kind Yep. of leave the insurance alone for the time being, Yep. and then just update your estate planning, get your beneficiaries up to date as well. Right.","start_word":6392,"end_word":6495,"sentiment":"neutral","sentiment_score":0.16921815276145935},{"text":"Cool. When it comes to your personal investments, I'm totally fine for you to just keep building that up as you go.","start_word":6496,"end_word":6517,"sentiment":"positive","sentiment_score":0.3800232410430908},{"text":"And then at Mhmm. the next review, we'll kind of touch base on it. And if we need to start using a platform, we can go through, like, that personal risk profile with you and build you Yeah. a bit of a portfolio there as well. Okay. Perfect. Okay. Sorry. Sorry. I was right at the beginning of the call. Did you say it was about 5 k at like, last time we did our review for these shares? Oh, sorry. Could you repeat that for me? When we were discussing the shares before, from what I had Yep. last year, was it around 5 Yes. That's right. I think the last figure I had k? when you spoke to Dana was 5, and you're sitting at you said 13 to 14 at the moment? Okay. Yep. Yeah.","start_word":6518,"end_word":6655,"sentiment":"neutral","sentiment_score":0.04805920645594597},{"text":"Okay. Good. Great.","start_word":6656,"end_word":6658,"sentiment":"positive","sentiment_score":0.5708270072937012},{"text":"So look. All in all, mortgage is going down. You've still got some savings, and you're building up some investments. And you know how we were talking about the offset account idea before? Mhmm. If you tend to just build up your savings and invest money on the side, it's gonna have a pretty similar effect of Okay. building up that wealth and equity much quicker in the background that Yeah. at some point, you could possibly even just pay off the mortgage with it as well. You don't Yeah. have to go down that that other route of offset accounts. Investing does the same thing too. Yep. And then I guess sorry. I said I had no questions. The only other thing that I was thinking about was is salary sacrificing into my super something that I should be considering now, or it's like, you know, something to think about later on? So if I have a look, I'm gonna do a quick progress update with you. Mhmm. So we've got okay.","start_word":6659,"end_word":6831,"sentiment":"neutral","sentiment_score":0.05534815415740013},{"text":"So you've got a pretty good balance for your age. It's pretty well straight in that kind of above average mark.","start_word":6832,"end_word":6852,"sentiment":"positive","sentiment_score":0.3770237267017365},{"text":"You're in Mhmm. high growth.","start_word":6853,"end_word":6857,"sentiment":"neutral","sentiment_score":0.2499420940876007},{"text":"You're getting good contributions on a high income.","start_word":6858,"end_word":6865,"sentiment":"positive","sentiment_score":0.43876099586486816},{"text":"Yep. You'll pretty much be able to get, like I'm not being facetious here, but we'll be able to get up to anywhere between 1.2 to $2,000,000 in super by the time you hit that kind of 60, 67 mark. Mhmm. Trying to retire earlier at 60 means that we're gonna have to settle for, like, the mortgage paid off and a million, which will get you about that thousand dollars a week tax Yep. free as well. So I think you can pretty much get to most common retirement goals as is without Mhmm. having to do the salary sacrifice. Yes. The question is, if we do, let's say, 50 a week of salary sacrifice, so I'll use a 100 as an example, Yeah. put a 100 in. Because of your tax rate, it costs you about 70 out of pocket to get that 100 into super. Mhmm. That's obviously gonna speed things up a little bit. And then the flip side to that is the family building. So do Yeah. you think you're gonna be potentially going on maternity leave in the next twelve to twenty four months, or what's your Yeah. your family planning Hopefully. look Yeah. Ideally, we're hoping like? that within the next twelve months, probably on maternity leave. Yep. And would you probably take off the the full twelve months, do you think? Yeah. But I do, like, envision that I will go back part time, whether that's a twelve month or potentially a little bit before, a little bit after. Yeah. Gotcha. Gotcha. So between the, like, Centrelink maternity leave, I'm assuming department of education has maternity leave there as well. Yep. Yep. So that'll keep the income going for a little while, and then I I probably wouldn't be salary sacrificing too heavy if Mhmm. you're about to kind of slow down, stop work, and then go part time for a period. It'll probably Yeah. be something to do after that. Okay. Cool. I will just give you a quick idea of what it kind of does if that makes sense just so you can see the impact of it, but I'm definitely Mhmm.","start_word":6866,"end_word":7227,"sentiment":"neutral","sentiment_score":0.05371786467730999},{"text":"not gonna recommend it for this year.","start_word":7228,"end_word":7234,"sentiment":"negative","sentiment_score":-0.6604936122894287},{"text":"Yeah. So let's say you've got your contributions coming in from work, call it about $1,314,000 after tax. Mhmm. Your current balance is 146,000. And do you remember that benchmark I was saying that 10% is kind of the average we're aiming for? Yeah. So if we go for the next thirty years or so, it starts to look quite silly if you stay high growth and earn that amount where Yeah. even in twenty years' time, you could be sitting there with 1 and a half million. Now if I bump that up, say, a $100 a week and we look at the twenty years, for every $100 a week that you do, you probably get an extra 100 to 150,000 in retirement. Mhmm.","start_word":7235,"end_word":7359,"sentiment":"neutral","sentiment_score":-0.05442941933870315},{"text":"So what I would probably envision for you is just if you can still maintain your high income long term and the high growth investments, once Yeah.","start_word":7360,"end_word":7386,"sentiment":"positive","sentiment_score":0.39364707469940186},{"text":"you finish the family building and you do just a couple of years of salary sacrifice to catch you back up again, you Mhmm. probably won't have to do it until that point, and then you Yeah. probably don't have to do it for more than a couple of years. Okay. Cool. K? So there's no there's no rush. I don't see you heavily behind that you need to play catch up or anything. Yeah. And, obviously, people talk about tax benefits and and that kind Mhmm. of thing, but you've got so many different areas you could use your cash flow for, the mortgage, the investments, and the super. You know, Mhmm. Yep. what's the priority? Yep. Does that make sense? Yeah. Yeah.","start_word":7387,"end_word":7510,"sentiment":"neutral","sentiment_score":0.12203651666641235},{"text":"Cool. Yep. Cool.","start_word":7511,"end_word":7513,"sentiment":"positive","sentiment_score":0.4230433404445648},{"text":"I'll put a few notes on the file. Obviously, we'll come back to that over the next few years as well, but Yeah.","start_word":7514,"end_word":7536,"sentiment":"neutral","sentiment_score":0.22335229814052585},{"text":"I hope that kinda I helps guess a little my bit. my mindset is kind of, like I think I'm very much, like, live to my me.","start_word":7537,"end_word":7563,"sentiment":"positive","sentiment_score":0.37631115317344666},{"text":"So it's like, The full if I savings can aspect. it's if I can afford to do it, I Yeah. would just like, I I I don't feel like I'll there'll be, like, a big lifestyle shift or anything. So if it's something that will have a big impact long term, like, if I have a $100, right, I'm probably gonna spend a $100. Yeah.","start_word":7564,"end_word":7628,"sentiment":"neutral","sentiment_score":0.13705773651599884},{"text":"That's I like get you.","start_word":7629,"end_word":7633,"sentiment":"positive","sentiment_score":0.44412487745285034},{"text":"yeah. But that's something I can work on with my budgeting too. Yeah. There's But that's that too. And do you know if with the Department of Education, I know they've been going through and updating EBAs and agreements with the departments across the yeah. different states We had a we pretty had regularly? a pay rise probably a couple of years ago. So I think we've had our we had quite a significant pay ride, so I think we'll be And pretty steady for a while. did they change the superannuation contribution scheme at that point as well? Because I know a lot of people were doing the matching program. You put in a few percent, the government will match it, but then they just came through and started updating all the EVAs to just be that 12 and a half percent anyway. Do you know I'm if not they did sure, that with to yours? be honest. Even, like, I've I because I wasn't even sure how much was being contributed to Super. I and I, like even when I was, like, looking online, like, how much the Department of Education contribute, I found it very hard to, like, find out how much they would give like, they they give you the amount that they do every week, but I wasn't sure percentage wise what they were When contributing. I looked at it today, I had to look through your your transactions, and it was pretty well exactly $685 61 every time. And Yeah. it worked out to be about a 145,000 for your your yearly income, which is Yeah. pretty close to what you were telling me before. Yeah. So if I go a 140,000, and let's say it is 12.5%, Yeah.","start_word":7634,"end_word":7928,"sentiment":"neutral","sentiment_score":0.038822373798338035},{"text":"It pretty well works out to be the same amount.","start_word":7929,"end_word":7938,"sentiment":"positive","sentiment_score":0.4039715826511383},{"text":"So the only thing I would check there, Simone, is if you can, is just either send through a payslip to us or quickly Yep. touch base with your payroll to see if there's any matching programs or anything like that Mhmm. or what your percentage is. If they come back and say that you can do the matching program, I can Mhmm. help you figure out the the best way to do that because they Yep. the forms they give public sector employers default to nontax deductible when you could be the salary sacrifice. So Yep. if they say that's available, can you let us know straight away? If not, I wouldn't worry about it until after maternity Sure. leave. Yep.","start_word":7939,"end_word":8060,"sentiment":"neutral","sentiment_score":0.07533944398164749},{"text":"Sure. Cool.","start_word":8061,"end_word":8062,"sentiment":"positive","sentiment_score":0.40786078572273254},{"text":"I will pencil that in so that when we catch up closer to Christmas time, I'll touch on it when we talk about the investments as well. Mhmm. Cool. Alright. Any other things I can help with before I let you go? No. That's I it.","start_word":8063,"end_word":8108,"sentiment":"neutral","sentiment_score":0.1059984415769577},{"text":"Thank you.","start_word":8109,"end_word":8110,"sentiment":"positive","sentiment_score":0.4060722291469574},{"text":"Oh, actually, sorry. made I it. do have a question. Yep. Go for it. If my partner was to sign up with you guys, do we do that as a couple or would they be two separate clients? So that is a fantastic question that has three slightly small answers to it. Mhmm. Is we do individual advice to start with. So because you already have an ongoing plan, we Mhmm. would Yep. do the same starting foundation plan for your partner. Mhmm. After that point, we can do joint reviews with you guys and joint advice together because we need to factor Mhmm. in, you know, joint retirement goals and things like that, but we just wanna Yep. make sure he has that foundational piece to start with. Yeah. Sure. From that point, a couple of things to consider is there is, like, a partner fee discount as well. So I was Mhmm. just about to mention that the service agreement we've sent you for this review, that's 1.65% spread through the year. The partner Yeah. fee discount is 1.1, so it chops about a third off That's awesome. per person. Correct. K? From that point, Hub twenty four also offers family linking. So if we do recommend a similar super fund to your partner, you can actually Yes. link your accounts together for cheaper admin fees. And if you get an investment account down the line, you can link up super accounts, pension accounts, partner accounts, and investment accounts. So there's a lot of a lot of linking for discounts that can be done as well. Okay. Sure. Great. K?","start_word":8111,"end_word":8382,"sentiment":"neutral","sentiment_score":0.11555466800928116},{"text":"Thank you.","start_word":8383,"end_word":8384,"sentiment":"positive","sentiment_score":0.4156981706619262},{"text":"I'll leave that email to you just to review and make sure you're comfortable, obviously, with the service agreement for this year. If Mhmm. we do bring your partner on board, we will send you an amended agreement after he signs up as well. Sure. K? Yeah. No. Do I you I want we me haven't to take really down discussed any it, but I just thought potentially would be good. yeah. And, look, at any point, if you haven't talked to Theo and he wants to give it a go, just Yeah. call into reception, talk to the girls. I'll get him booked in with myself or one of the other advisers, and we'll just Yeah. go through the usual complimentary consultation, bit of research, Yeah. and see if we can help him. Sure.","start_word":8385,"end_word":8519,"sentiment":"neutral","sentiment_score":0.11670070952839322},{"text":"Cool.","start_word":8520,"end_word":8520,"sentiment":"positive","sentiment_score":0.46578025817871094},{"text":"Alrighty. Any other questions at the moment before I let you go? That's that's it.","start_word":8521,"end_word":8535,"sentiment":"neutral","sentiment_score":0.10592298954725266},{"text":"Thank you so much for your time. Amazing.","start_word":8536,"end_word":8543,"sentiment":"positive","sentiment_score":0.71757972240448},{"text":"No.","start_word":8544,"end_word":8544,"sentiment":"neutral","sentiment_score":0.21999484300613403},{"text":"Thank you for taking the time. I've had an absolute blast, and I hope after a hard day with a lot of kids that your your mind isn't too fried at the moment. But thank you for spending the time with me tonight. Thank you. Have a nice night. You too. I'll talk to you soon. See you.","start_word":8545,"end_word":8602,"sentiment":"positive","sentiment_score":0.5791798830032349},{"text":"Bye. Bye.","start_word":8603,"end_word":8604,"sentiment":"neutral","sentiment_score":0.1885143965482712}],"average":{"sentiment":"neutral","sentiment_score":0.0860240021465457}}}}