{"metadata":{"transaction_key":"deprecated","request_id":"019dfc43-3ab1-7c62-aab9-06a7c292ff11","sha256":"3e7c3973998f2275820088ccf5ba198d8bde7d53f3460bc1cc9b6938734c3eee","created":"2026-05-06T07:49:19.525Z","duration":1018.29596,"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":3863,"output_tokens":73},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4364,"output_tokens":4373},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4364,"output_tokens":430}},"results":{"channels":[{"alternatives":[{"transcript":"Hey, Libby. It's Tommy here, senior adviser from overview. How are you going? I'm living the dream. It's been a fantastic evening. What about yours? Done all year. Busy day, but the evening's still young. Fantastic. I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals from super. Do you still have some time for me? Perfect. Before I jump into it, usual process now that you're a client of Oakview. We do record the calls for training and quality. Is that okay? Perfect. And we don't have, like, a security question on file, and I know it's you. I have spoken to you before. But just for the security of your information, could I please confirm your date of birth and address? You aced it. Thank you so much, Natalie. Appreciate that. Now, mate, I wanted to go through a couple of things with you. There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you. Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after that? I can kind of point you in the right direction. Jack mentioned that you're a bit worried about salary sacrificing a full on 200 and 80 six a week. Yeah. So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account. So what the kind of idea is is when you put that money into super with salary sacrifice, it goes in before tax. So let's just use the example. $2.86 goes in, and it'll cost you about a 198 in the pocket because of the 15% tax difference compared to what you get taxed through work. Does that make sense? That's okay. So when you get your pay, they'll take out income tax out of it. But if you salary sacrifice to your super, it's a lot less tax that comes out. So what that means is you can put $2.86 in, and it only cost you $200. And then the idea was that we would pull $202 out of your pension account to top you up. And then that that 80 6 can go in to sort of boost your super up. Yeah. Absolutely. Yep. So before tax, if your work puts in $286, I think we had that set to, I guess, the equivalent of weekly. You pay fortnightly. Yeah. So that's a that's a big whack. So let me just get the exact figures for you just so it makes perfect sense. So we go $2.86 and fortnightly. So it'd be 572 a fortnight goes in. Now because that goes in before you get taxed, it costs you $3.88 out of your pay packet for that 574 to go in. Correct. So first half of the strategy is you lose 388 out of your pay for 570 to go in. With me so far? That's fortnightly. So $5.70 goes in fortnightly, and that'll cost you that $3.88 in the pay on the fortnightly. And then the pension account gives you $405 a fortnight out of your super. Five. So it costs you $3.88. You get 405, so you're technically, like, $15 ahead, but that extra $160 of tax difference goes inside your super and stays there. K? Now because of the way pension payments work, it's set to a monthly payment, and you'll set up for I think you may have gotten the first one at the April, and the next one set up for the May 30. Yeah. Yeah. Yeah. My favorite time of year is service and rego time. Yep. Oh, oh my. Yeah. Perfect. So would it be helpful for that that next payment to come out in May? That's another $8.90. Yes. If that's if that's helpful for you, we can let the the main one can pop out. And then if you're okay with it, we can start that recontribution in June. K. Yeah. Perfect. And it is just you chat to payroll and say, look. I've got an advice from my adviser to try and salary sacrifice this amount per fortnight and to line it up in June or July or whenever is comfortable for you because this is something that we're gonna do for a few years. So a couple of months is not gonna break it. A year of that would really deplete your super, but two months is fine. That's perfect. Yeah. So if we let that May one come out, the next one won't be till the June 30 anyway. So that gives it basically a month to try and set that up with work. And then, hopefully, you only have that one fortnight where you get the less pay, and then all of a sudden, $890 comes out boom into your bank account a few days later. Cool. So if you wanna line that up in a way that's comfortable for your cash flow, work that out with payroll. And if you, you know, if you get them to start doing it in the July or something, or that's okay too. Cool? Now when it comes to the dental and the knee surgery, what's going on? What's happening? What do you need? Jeez. And do they do do they put it through the the public health system, or do you have to go private? What's what's happening? Yeah. Wasn't good experience? Yep. Oh, yeah. That's that can happen. I've heard of that a couple of times. No. Yeah. The stomach acid coming up. That's the one that'll do it. Do you have, by any chance, a quote from the dentist? Oh, as everyone does, everyone's going to leave at the same time. Cool. So one bit of information that I can give you Yep. Yeah. Yep. Gotcha. So I've just gone through a couple of compassionate releases for dental with a couple of clients recently. Basically, the information that that they need is you go through, like, a dentist. They say, hey. You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it. So I'll give you an example. We we had one kid there. Parent took super out for the child's dental because all their their baby teeth were getting destroyed, and that's gonna impact the adult teeth underneath. The dentist signed off on it, and the specialist signed off on it, and that's all they needed to go to the ATO to get the release. They give that to the super fund, and the super fund can release that amount to pay for it. It'll be a similar thing with, like, the knee surgery. Like, if you go to a GP and the GP says, hey. You need to go sort your knee out, and the specialist says, hey. It's gonna cost you $5 to get this knee replacement or whatever it is, then you could potentially have that specialist and the GP signing off on that one. Of course gotcha. Yeah. Perfect. So then your two avenues there is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it. Yep. My warning as usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be careful. But can definitely help you through the process there, and it is pretty straightforward. You get the two people signing off, goes to the ATO with the quote and the sign off. They give you an approval, give that to the fund, and they go, no worries. K? So that's all lined up for July onwards. Like, obviously, we can't do it right now. You'll have to go through the appointments and everything first, but I just wanted to give you a bit of info and see if I could help. No worries at all. Yeah. Look. It's like never ending. Hey? Yeah. Yep. Yeah. Well, there you go. Yeah. You've been through it before. Right? Yeah. Yeah. And that's part of that. Like, again, when they talk about the legislation for compassionate release of super, it's things like preventing onset of acute pain and things like that where it's kind of urgent. Yeah. Yeah. Absolutely. And that's the thing is you can't work around. Yeah. Yeah. And you gotta have those things. Makes everything a little bit easier. Yeah. Cool. So I'll have a quick chat to yep. Oh, really? He's he's not a client of ours, though, is he? Would you be the same surname? Oh, what's His name? And is that with an r? Craig? I don't have Craig Rossington. He may have actually gone through one of the other firms because there was definitely a whole bunch of firms talking to you guys for a little while there, so may have gone to one of the other ones. If at any point you wanna send him our way to have a bit of a chat, more than happy to. But no way. Yeah. I think one of the brilliant things with this HubSupra is they just have so many options. There's, like, 1,300 options. There's some really good investments in there. And if you pick the right ones, you get some good growth out of it. Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on. So we're not gonna put you in the highest risk thing possible, but we were trying to go a bit more growth focused. Yeah. Absolutely. Yeah. Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him. But if he's being looked after, that's excellent too. But the offer's always there. Cool. So I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that once payroll's back, you'll have a chat to them around June to try and start that in the July. And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in. But, hopefully, that gives you a bit of a a direction on what to do. It is one thing at a time. One thing at a time. We try and chop it into bite sized pieces, and we just try and tick off one at a time. Awesome, Libby. Do you have any questions for me at this point? You are most welcome anytime at all, but I do hope you have a fantastic week. I hope everything gets better health wise because that's the most important thing, and that can be the most annoying. And if you do have any questions, call, text, email. Happy to help. Alright, Libby. You have a fantastic day, mate. Thank you. 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Libby. It's Tommy here, senior adviser from overview. How are you going? I'm living the dream. It's been a fantastic evening.\n\nWhat about yours? Done all year. Busy day, but the evening's still young. Fantastic. I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals from super.\n\nDo you still have some time for me? Perfect. Before I jump into it, usual process now that you're a client of Oakview. We do record the calls for training and quality. Is that okay?\n\nPerfect. And we don't have, like, a security question on file, and I know it's you. I have spoken to you before. But just for the security of your information, could I please confirm your date of birth and address? You aced it.\n\nThank you so much, Natalie. Appreciate that. Now, mate, I wanted to go through a couple of things with you. There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you. Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after that?\n\nI can kind of point you in the right direction. Jack mentioned that you're a bit worried about salary sacrificing a full on 200 and 80 six a week. Yeah. So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account. So what the kind of idea is is when you put that money into super with salary sacrifice, it goes in before tax.\n\nSo let's just use the example. $2.86 goes in, and it'll cost you about a 198 in the pocket because of the 15% tax difference compared to what you get taxed through work. Does that make sense? That's okay. So when you get your pay, they'll take out income tax out of it.\n\nBut if you salary sacrifice to your super, it's a lot less tax that comes out. So what that means is you can put $2.86 in, and it only cost you $200. And then the idea was that we would pull $202 out of your pension account to top you up. And then that that 80 6 can go in to sort of boost your super up. Yeah.\n\nAbsolutely. Yep. So before tax, if your work puts in $286, I think we had that set to, I guess, the equivalent of weekly. You pay fortnightly. Yeah.\n\nSo that's a that's a big whack. So let me just get the exact figures for you just so it makes perfect sense. So we go $2.86 and fortnightly. So it'd be 572 a fortnight goes in. Now because that goes in before you get taxed, it costs you $3.88 out of your pay packet for that 574 to go in.\n\nCorrect. So first half of the strategy is you lose 388 out of your pay for 570 to go in. With me so far? That's fortnightly. So $5.70 goes in fortnightly, and that'll cost you that $3.88 in the pay on the fortnightly.\n\nAnd then the pension account gives you $405 a fortnight out of your super. Five. So it costs you $3.88. You get 405, so you're technically, like, $15 ahead, but that extra $160 of tax difference goes inside your super and stays there. K?\n\nNow because of the way pension payments work, it's set to a monthly payment, and you'll set up for I think you may have gotten the first one at the April, and the next one set up for the May 30. Yeah. Yeah. Yeah. My favorite time of year is service and rego time.\n\nYep. Oh, oh my. Yeah. Perfect. So would it be helpful for that that next payment to come out in May?\n\nThat's another $8.90. Yes. If that's if that's helpful for you, we can let the the main one can pop out. And then if you're okay with it, we can start that recontribution in June. K.\n\nYeah. Perfect. And it is just you chat to payroll and say, look. I've got an advice from my adviser to try and salary sacrifice this amount per fortnight and to line it up in June or July or whenever is comfortable for you because this is something that we're gonna do for a few years. So a couple of months is not gonna break it.\n\nA year of that would really deplete your super, but two months is fine. That's perfect. Yeah. So if we let that May one come out, the next one won't be till the June 30 anyway. So that gives it basically a month to try and set that up with work.\n\nAnd then, hopefully, you only have that one fortnight where you get the less pay, and then all of a sudden, $890 comes out boom into your bank account a few days later. Cool. So if you wanna line that up in a way that's comfortable for your cash flow, work that out with payroll. And if you, you know, if you get them to start doing it in the July or something, or that's okay too. Cool?\n\nNow when it comes to the dental and the knee surgery, what's going on? What's happening? What do you need? Jeez. And do they do do they put it through the the public health system, or do you have to go private?\n\nWhat's what's happening? Yeah. Wasn't good experience? Yep. Oh, yeah.\n\nThat's that can happen. I've heard of that a couple of times. No. Yeah. The stomach acid coming up.\n\nThat's the one that'll do it. Do you have, by any chance, a quote from the dentist? Oh, as everyone does, everyone's going to leave at the same time. Cool. So one bit of information that I can give you Yep.\n\nYeah. Yep. Gotcha. So I've just gone through a couple of compassionate releases for dental with a couple of clients recently. Basically, the information that that they need is you go through, like, a dentist.\n\nThey say, hey. You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it. So I'll give you an example. We we had one kid there. Parent took super out for the child's dental because all their their baby teeth were getting destroyed, and that's gonna impact the adult teeth underneath.\n\nThe dentist signed off on it, and the specialist signed off on it, and that's all they needed to go to the ATO to get the release. They give that to the super fund, and the super fund can release that amount to pay for it. It'll be a similar thing with, like, the knee surgery. Like, if you go to a GP and the GP says, hey. You need to go sort your knee out, and the specialist says, hey.\n\nIt's gonna cost you $5 to get this knee replacement or whatever it is, then you could potentially have that specialist and the GP signing off on that one. Of course gotcha. Yeah. Perfect. So then your two avenues there is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it.\n\nYep. My warning as usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be careful. But can definitely help you through the process there, and it is pretty straightforward. You get the two people signing off, goes to the ATO with the quote and the sign off. They give you an approval, give that to the fund, and they go, no worries.\n\nK? So that's all lined up for July onwards. Like, obviously, we can't do it right now. You'll have to go through the appointments and everything first, but I just wanted to give you a bit of info and see if I could help. No worries at all.\n\nYeah. Look. It's like never ending. Hey? Yeah.\n\nYep. Yeah. Well, there you go. Yeah. You've been through it before.\n\nRight? Yeah. Yeah. And that's part of that. Like, again, when they talk about the legislation for compassionate release of super, it's things like preventing onset of acute pain and things like that where it's kind of urgent.\n\nYeah. Yeah. Absolutely. And that's the thing is you can't work around. Yeah.\n\nYeah. And you gotta have those things. Makes everything a little bit easier. Yeah. Cool.\n\nSo I'll have a quick chat to yep. Oh, really? He's he's not a client of ours, though, is he? Would you be the same surname? Oh, what's His name?\n\nAnd is that with an r? Craig? I don't have Craig Rossington. He may have actually gone through one of the other firms because there was definitely a whole bunch of firms talking to you guys for a little while there, so may have gone to one of the other ones. If at any point you wanna send him our way to have a bit of a chat, more than happy to.\n\nBut no way. Yeah. I think one of the brilliant things with this HubSupra is they just have so many options. There's, like, 1,300 options. There's some really good investments in there.\n\nAnd if you pick the right ones, you get some good growth out of it. Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on. So we're not gonna put you in the highest risk thing possible, but we were trying to go a bit more growth focused. Yeah. Absolutely.\n\nYeah. Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him. But if he's being looked after, that's excellent too. But the offer's always there. Cool.\n\nSo I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that once payroll's back, you'll have a chat to them around June to try and start that in the July. And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in. But, hopefully, that gives you a bit of a a direction on what to do. It is one thing at a time. One thing at a time.\n\nWe try and chop it into bite sized pieces, and we just try and tick off one at a time. Awesome, Libby. Do you have any questions for me at this point? You are most welcome anytime at all, but I do hope you have a fantastic week. I hope everything gets better health wise because that's the most important thing, and that can be the most annoying.\n\nAnd if you do have any questions, call, text, email. Happy to help. Alright, Libby. You have a fantastic day, mate. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Libby.","start":0.39999998,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.08451456762850285},{"text":"It's Tommy here, senior adviser from overview.","start":2.6399999,"end":4.72,"sentiment":"neutral","sentiment_score":0.11056404135056905},{"text":"How are you going?","start":4.72,"end":5.54,"sentiment":"neutral","sentiment_score":0.18914612382650375},{"text":"I'm living the dream.","start":7.12,"end":8.0,"sentiment":"positive","sentiment_score":0.6561790555715561},{"text":"It's been a fantastic evening.","start":8.0,"end":9.36,"sentiment":"positive","sentiment_score":0.7457335710525512}],"sentiment":"positive","sentiment_score":0.36604299988936295,"num_words":22,"start":0.39999998,"end":9.36},{"sentences":[{"text":"What about yours?","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.3325251241525014},{"text":"Done all year.","start":12.415,"end":13.955,"sentiment":"neutral","sentiment_score":-0.07030161842703819},{"text":"Busy day, but the evening's still young.","start":15.775001,"end":17.795,"sentiment":"neutral","sentiment_score":0.04630594540919576},{"text":"Fantastic.","start":20.095001,"end":20.595001,"sentiment":"positive","sentiment_score":0.5674892663955688},{"text":"I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals from super.","start":20.735,"end":26.175,"sentiment":"neutral","sentiment_score":0.2605264973309305}],"sentiment":"neutral","sentiment_score":0.19899307354353368,"num_words":32,"start":9.36,"end":26.175},{"sentences":[{"text":"Do you still have some time for me?","start":26.175,"end":27.81,"sentiment":"neutral","sentiment_score":0.023356514982879162},{"text":"Perfect.","start":29.49,"end":29.97,"sentiment":"neutral","sentiment_score":0.3126887083053589},{"text":"Before I jump into it, usual process now that you're a client of Oakview.","start":29.97,"end":33.43,"sentiment":"neutral","sentiment_score":0.08505902878407921},{"text":"We do record the calls for training and quality.","start":34.37,"end":36.85,"sentiment":"neutral","sentiment_score":0.07100760812560718},{"text":"Is that okay?","start":36.85,"end":37.75,"sentiment":"neutral","sentiment_score":0.07580480724573135}],"sentiment":"neutral","sentiment_score":0.07305286074323314,"num_words":35,"start":26.175,"end":37.75},{"sentences":[{"text":"Perfect.","start":39.489998,"end":39.989998,"sentiment":"neutral","sentiment_score":0.2078075408935547},{"text":"And we don't have, like, a security question on file, and I know it's you.","start":40.225,"end":43.504997,"sentiment":"neutral","sentiment_score":0.04031072581807772},{"text":"I have spoken to you before.","start":43.504997,"end":44.965,"sentiment":"neutral","sentiment_score":0.030965449288487434},{"text":"But just for the security of your information, could I please confirm your date of birth and address?","start":45.105,"end":49.925,"sentiment":"neutral","sentiment_score":0.028089846898284223},{"text":"You aced it.","start":56.640003,"end":57.2,"sentiment":"positive","sentiment_score":0.45810921986897785}],"sentiment":"neutral","sentiment_score":0.06693502389934174,"num_words":43,"start":39.489998,"end":57.2},{"sentences":[{"text":"Thank you so much, Natalie.","start":57.2,"end":58.4,"sentiment":"positive","sentiment_score":0.6646970629692077},{"text":"Appreciate that.","start":58.4,"end":59.620003,"sentiment":"positive","sentiment_score":0.582485169172287},{"text":"Now, mate, I wanted to go through a couple of things with you.","start":60.72,"end":63.280003,"sentiment":"neutral","sentiment_score":-0.0020737014710903168},{"text":"There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you.","start":63.280003,"end":76.965,"sentiment":"neutral","sentiment_score":-0.08190134809689319},{"text":"Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after that?","start":77.025,"end":82.79,"sentiment":"neutral","sentiment_score":-0.04373259791596369}],"sentiment":"neutral","sentiment_score":-0.003932393040884746,"num_words":89,"start":57.2,"end":82.79},{"sentences":[{"text":"I can kind of point you in the right direction.","start":83.81,"end":85.67,"sentiment":"neutral","sentiment_score":0.17259855046868325},{"text":"Jack mentioned that you're a bit worried about salary sacrificing a full on 200 and 80 six a week.","start":86.61,"end":92.55,"sentiment":"neutral","sentiment_score":-0.2797596227181585},{"text":"Yeah.","start":97.445,"end":97.845,"sentiment":"neutral","sentiment_score":-0.09864430874586104},{"text":"So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account.","start":97.845,"end":110.67999,"sentiment":"neutral","sentiment_score":0.11243648067408916},{"text":"So what the kind of idea is is when you put that money into super with salary sacrifice, it goes in before tax.","start":112.02,"end":119.159996,"sentiment":"neutral","sentiment_score":0.23867042038751685}],"sentiment":"neutral","sentiment_score":0.07245758218834034,"num_words":104,"start":83.81,"end":119.159996},{"sentences":[{"text":"So let's just use the example.","start":119.615,"end":121.715,"sentiment":"neutral","sentiment_score":0.16770117978254953},{"text":"$2.86 goes in, and it'll cost you about a 198 in the pocket because of the 15% tax difference compared to what you get taxed through work.","start":122.015,"end":132.015,"sentiment":"neutral","sentiment_score":0.2047203696436352},{"text":"Does that make sense?","start":132.015,"end":133.075,"sentiment":"neutral","sentiment_score":0.1331559158861637},{"text":"That's okay.","start":138.77,"end":139.41,"sentiment":"neutral","sentiment_score":0.22444089502096176},{"text":"So when you get your pay, they'll take out income tax out of it.","start":139.41,"end":144.47,"sentiment":"neutral","sentiment_score":0.21031247611556733}],"sentiment":"neutral","sentiment_score":0.1973497580807164,"num_words":53,"start":119.615,"end":144.47},{"sentences":[{"text":"But if you salary sacrifice to your super, it's a lot less tax that comes out.","start":144.61,"end":150.21501,"sentiment":"positive","sentiment_score":0.34911082684993744},{"text":"So what that means is you can put $2.86 in, and it only cost you $200.","start":151.55501,"end":156.595,"sentiment":"neutral","sentiment_score":0.3211013963446021},{"text":"And then the idea was that we would pull $202 out of your pension account to top you up.","start":156.595,"end":161.67,"sentiment":"positive","sentiment_score":0.3684724945771067},{"text":"And then that that 80 6 can go in to sort of boost your super up.","start":161.83,"end":165.69,"sentiment":"positive","sentiment_score":0.42741105146706104},{"text":"Yeah.","start":171.67,"end":171.91,"sentiment":"neutral","sentiment_score":0.11245698481798172}],"sentiment":"positive","sentiment_score":0.36287362906424436,"num_words":68,"start":144.61,"end":171.91},{"sentences":[{"text":"Absolutely.","start":171.91,"end":172.41,"sentiment":"neutral","sentiment_score":0.19444076716899872},{"text":"Yep.","start":197.7,"end":198.105,"sentiment":"neutral","sentiment_score":0.0375903844833374},{"text":"So before tax, if your work puts in $286, I think we had that set to, I guess, the equivalent of weekly.","start":198.265,"end":211.86499,"sentiment":"neutral","sentiment_score":0.004265879788859324},{"text":"You pay fortnightly.","start":211.86499,"end":212.765,"sentiment":"neutral","sentiment_score":0.004406921875973542},{"text":"Yeah.","start":214.57,"end":214.81001,"sentiment":"neutral","sentiment_score":0.014013437554240228}],"sentiment":"neutral","sentiment_score":0.012611239649621504,"num_words":28,"start":171.91,"end":214.81001},{"sentences":[{"text":"So that's a that's a big whack.","start":214.81001,"end":216.43001,"sentiment":"neutral","sentiment_score":-0.14642137528530189},{"text":"So let me just get the exact figures for you just so it makes perfect sense.","start":216.57,"end":220.91,"sentiment":"neutral","sentiment_score":0.14385743997991085},{"text":"So we go $2.86 and fortnightly.","start":221.61,"end":226.215,"sentiment":"neutral","sentiment_score":0.07801191012064616},{"text":"So it'd be 572 a fortnight goes in.","start":226.275,"end":229.495,"sentiment":"neutral","sentiment_score":0.0673266057856381},{"text":"Now because that goes in before you get taxed, it costs you $3.88 out of your pay packet for that 574 to go in.","start":231.47499,"end":242.66,"sentiment":"neutral","sentiment_score":-0.045433499462281667}],"sentiment":"neutral","sentiment_score":0.019558192337634134,"num_words":61,"start":214.81001,"end":242.66},{"sentences":[{"text":"Correct.","start":248.08,"end":248.48001,"sentiment":"neutral","sentiment_score":0.15255287289619446},{"text":"So first half of the strategy is you lose 388 out of your pay for 570 to go in.","start":248.48001,"end":256.155,"sentiment":"neutral","sentiment_score":0.13813828049521698},{"text":"With me so far?","start":258.075,"end":259.215,"sentiment":"neutral","sentiment_score":0.09073947742581367},{"text":"That's fortnightly.","start":269.77002,"end":270.59003,"sentiment":"neutral","sentiment_score":0.08051812276244164},{"text":"So $5.70 goes in fortnightly, and that'll cost you that $3.88 in the pay on the fortnightly.","start":271.93002,"end":277.39,"sentiment":"neutral","sentiment_score":0.10287405506652944}],"sentiment":"neutral","sentiment_score":0.11744263473638268,"num_words":43,"start":248.08,"end":277.39},{"sentences":[{"text":"And then the pension account gives you $405 a fortnight out of your super.","start":279.53,"end":286.815,"sentiment":"neutral","sentiment_score":0.08597126150769847},{"text":"Five.","start":292.475,"end":292.975,"sentiment":"neutral","sentiment_score":0.07326781004667282},{"text":"So it costs you $3.88.","start":294.46,"end":296.64,"sentiment":"neutral","sentiment_score":0.0733008474111557},{"text":"You get 405, so you're technically, like, $15 ahead, but that extra $160 of tax difference goes inside your super and stays there.","start":296.78,"end":306.285,"sentiment":"neutral","sentiment_score":0.05816342325314232},{"text":"K?","start":308.285,"end":308.765,"sentiment":"neutral","sentiment_score":0.03193158283829689}],"sentiment":"neutral","sentiment_score":0.06847863695160909,"num_words":44,"start":279.53,"end":308.765},{"sentences":[{"text":"Now because of the way pension payments work, it's set to a monthly payment, and you'll set up for I think you may have gotten the first one at the April, and the next one set up for the May 30.","start":308.765,"end":324.42,"sentiment":"neutral","sentiment_score":0.05618481001839405},{"text":"Yeah.","start":331.68,"end":332.18,"sentiment":"neutral","sentiment_score":0.010052476078271866},{"text":"Yeah.","start":332.32,"end":332.56,"sentiment":"neutral","sentiment_score":0.019463002681732178},{"text":"Yeah.","start":332.56,"end":333.06,"sentiment":"neutral","sentiment_score":0.018446121364831924},{"text":"My favorite time of year is service and rego time.","start":346.74002,"end":349.80002,"sentiment":"positive","sentiment_score":0.3717928290367126}],"sentiment":"neutral","sentiment_score":0.11239753891196516,"num_words":54,"start":308.765,"end":349.80002},{"sentences":[{"text":"Yep.","start":357.715,"end":358.215,"sentiment":"neutral","sentiment_score":-0.08648835122585297},{"text":"Oh, oh my.","start":370.79,"end":377.03,"sentiment":"neutral","sentiment_score":0.029564935093124706},{"text":"Yeah.","start":377.03,"end":377.27,"sentiment":"neutral","sentiment_score":0.21634593605995175},{"text":"Perfect.","start":377.27,"end":377.75,"sentiment":"positive","sentiment_score":0.43025410175323486},{"text":"So would it be helpful for that that next payment to come out in May?","start":377.75,"end":385.285,"sentiment":"neutral","sentiment_score":0.1654582311709722}],"sentiment":"neutral","sentiment_score":0.1490799980681567,"num_words":21,"start":357.715,"end":385.285},{"sentences":[{"text":"That's another $8.90.","start":385.285,"end":387.46503,"sentiment":"neutral","sentiment_score":0.03141380473971367},{"text":"Yes.","start":392.64502,"end":393.14502,"sentiment":"neutral","sentiment_score":0.2962484359741211},{"text":"If that's if that's helpful for you, we can let the the main one can pop out.","start":396.26,"end":400.26,"sentiment":"neutral","sentiment_score":0.2712176591157913},{"text":"And then if you're okay with it, we can start that recontribution in June.","start":400.26,"end":404.44,"sentiment":"neutral","sentiment_score":0.24868160911968776},{"text":"K.","start":406.195,"end":406.695,"sentiment":"neutral","sentiment_score":0.09760857373476028}],"sentiment":"neutral","sentiment_score":0.24425506719521115,"num_words":36,"start":385.285,"end":406.695},{"sentences":[{"text":"Yeah.","start":415.71503,"end":415.95502,"sentiment":"neutral","sentiment_score":0.32159924507141113},{"text":"Perfect.","start":415.95502,"end":416.355,"sentiment":"positive","sentiment_score":0.4594825506210327},{"text":"And it is just you chat to payroll and say, look.","start":416.355,"end":418.915,"sentiment":"neutral","sentiment_score":0.24042927406050943},{"text":"I've got an advice from my adviser to try and salary sacrifice this amount per fortnight and to line it up in June or July or whenever is comfortable for you because this is something that we're gonna do for a few years.","start":418.915,"end":429.69,"sentiment":"neutral","sentiment_score":0.16860129147074943},{"text":"So a couple of months is not gonna break it.","start":429.69,"end":432.27,"sentiment":"neutral","sentiment_score":0.03385110311210156}],"sentiment":"neutral","sentiment_score":0.16688136931395892,"num_words":66,"start":415.71503,"end":432.27},{"sentences":[{"text":"A year of that would really deplete your super, but two months is fine.","start":432.49,"end":435.855,"sentiment":"neutral","sentiment_score":-0.16972925513982773},{"text":"That's perfect.","start":442.655,"end":443.475,"sentiment":"negative","sentiment_score":-0.36884576082229614},{"text":"Yeah.","start":444.575,"end":444.975,"sentiment":"neutral","sentiment_score":-0.014388317242264748},{"text":"So if we let that May one come out, the next one won't be till the June 30 anyway.","start":444.975,"end":449.135,"sentiment":"neutral","sentiment_score":0.013912463634225884},{"text":"So that gives it basically a month to try and set that up with work.","start":449.135,"end":452.28,"sentiment":"neutral","sentiment_score":0.07934998174508413}],"sentiment":"neutral","sentiment_score":-0.03281770344348807,"num_words":51,"start":432.49,"end":452.28},{"sentences":[{"text":"And then, hopefully, you only have that one fortnight where you get the less pay, and then all of a sudden, $890 comes out boom into your bank account a few days later.","start":452.28,"end":460.13998,"sentiment":"neutral","sentiment_score":0.054528372983137764},{"text":"Cool.","start":462.03998,"end":462.28,"sentiment":"positive","sentiment_score":0.3379780650138855},{"text":"So if you wanna line that up in a way that's comfortable for your cash flow, work that out with payroll.","start":462.28,"end":468.07498,"sentiment":"neutral","sentiment_score":0.2639307251998356},{"text":"And if you, you know, if you get them to start doing it in the July or something, or that's okay too.","start":468.13498,"end":475.835,"sentiment":"neutral","sentiment_score":0.20584877783601935},{"text":"Cool?","start":478.13498,"end":478.63498,"sentiment":"neutral","sentiment_score":0.21215495467185977}],"sentiment":"neutral","sentiment_score":0.15924086756049058,"num_words":78,"start":452.28,"end":478.63498},{"sentences":[{"text":"Now when it comes to the dental and the knee surgery, what's going on?","start":478.935,"end":483.02002,"sentiment":"neutral","sentiment_score":-0.008422062998371465},{"text":"What's happening?","start":483.32,"end":483.88,"sentiment":"neutral","sentiment_score":-0.04095089249312878},{"text":"What do you need?","start":483.88,"end":484.78,"sentiment":"neutral","sentiment_score":-0.017353800823912024},{"text":"Jeez.","start":486.92,"end":487.42,"sentiment":"neutral","sentiment_score":0.022069785743951797},{"text":"And do they do do they put it through the the public health system, or do you have to go private?","start":490.6,"end":496.155,"sentiment":"neutral","sentiment_score":-0.01686533252220778}],"sentiment":"neutral","sentiment_score":-0.014317334940036138,"num_words":42,"start":478.935,"end":496.155},{"sentences":[{"text":"What's what's happening?","start":496.155,"end":497.215,"sentiment":"neutral","sentiment_score":-0.03643853341539701},{"text":"Yeah.","start":500.715,"end":501.215,"sentiment":"neutral","sentiment_score":-0.07137234508991241},{"text":"Wasn't good experience?","start":501.435,"end":502.57498,"sentiment":"neutral","sentiment_score":-0.2451067566871643},{"text":"Yep.","start":512.49,"end":512.99,"sentiment":"neutral","sentiment_score":-0.09126847982406616},{"text":"Oh, yeah.","start":522.825,"end":523.385,"sentiment":"neutral","sentiment_score":-0.1489386335015297}],"sentiment":"neutral","sentiment_score":-0.13051539622247219,"num_words":10,"start":496.155,"end":523.385},{"sentences":[{"text":"That's that can happen.","start":523.385,"end":524.925,"sentiment":"neutral","sentiment_score":-0.2568168118596077},{"text":"I've heard of that a couple of times.","start":525.065,"end":526.765,"sentiment":"neutral","sentiment_score":-0.23254626989364624},{"text":"No.","start":529.8,"end":530.3,"sentiment":"negative","sentiment_score":-0.499173104763031},{"text":"Yeah.","start":534.04,"end":534.44,"sentiment":"neutral","sentiment_score":-0.3084561228752136},{"text":"The stomach acid coming up.","start":534.44,"end":536.14,"sentiment":"negative","sentiment_score":-0.45554882287979126}],"sentiment":"neutral","sentiment_score":-0.3143689867697264,"num_words":19,"start":523.385,"end":536.14},{"sentences":[{"text":"That's the one that'll do it.","start":538.2,"end":539.74,"sentiment":"negative","sentiment_score":-0.3389742871125539},{"text":"Do you have, by any chance, a quote from the dentist?","start":543.97504,"end":547.59503,"sentiment":"neutral","sentiment_score":-0.05692837556654757},{"text":"Oh, as everyone does, everyone's going to leave at the same time.","start":551.815,"end":554.79,"sentiment":"neutral","sentiment_score":-0.10300080043574174},{"text":"Cool.","start":560.70996,"end":561.02997,"sentiment":"neutral","sentiment_score":0.139216810464859},{"text":"So one bit of information that I can give you Yep.","start":561.02997,"end":572.345,"sentiment":"neutral","sentiment_score":0.023781091652133247}],"sentiment":"neutral","sentiment_score":-0.08525021074385178,"num_words":41,"start":538.2,"end":572.345},{"sentences":[{"text":"Yeah.","start":575.605,"end":576.105,"sentiment":"neutral","sentiment_score":0.0164958406239748},{"text":"Yep.","start":576.565,"end":576.885,"sentiment":"neutral","sentiment_score":0.029481492936611176},{"text":"Gotcha.","start":576.885,"end":577.385,"sentiment":"neutral","sentiment_score":0.014221098273992538},{"text":"So I've just gone through a couple of compassionate releases for dental with a couple of clients recently.","start":577.605,"end":584.92,"sentiment":"neutral","sentiment_score":-0.010938839572999213},{"text":"Basically, the information that that they need is you go through, like, a dentist.","start":585.54,"end":590.44,"sentiment":"neutral","sentiment_score":-0.058404614084533284}],"sentiment":"neutral","sentiment_score":-0.027267579361796378,"num_words":35,"start":575.605,"end":590.44},{"sentences":[{"text":"They say, hey.","start":590.74,"end":591.8,"sentiment":"neutral","sentiment_score":-0.0544931615392367},{"text":"You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it.","start":591.905,"end":603.125,"sentiment":"neutral","sentiment_score":-0.08846214509779407},{"text":"So I'll give you an example.","start":604.4,"end":605.84,"sentiment":"neutral","sentiment_score":-0.00884977619474133},{"text":"We we had one kid there.","start":605.84,"end":607.54004,"sentiment":"neutral","sentiment_score":-0.021987573243677616},{"text":"Parent took super out for the child's dental because all their their baby teeth were getting destroyed, and that's gonna impact the adult teeth underneath.","start":608.24005,"end":615.86005,"sentiment":"negative","sentiment_score":-0.3604897105693817}],"sentiment":"neutral","sentiment_score":-0.17046581469738567,"num_words":71,"start":590.74,"end":615.86005},{"sentences":[{"text":"The dentist signed off on it, and the specialist signed off on it, and that's all they needed to go to the ATO to get the release.","start":617.905,"end":624.085,"sentiment":"neutral","sentiment_score":-0.042914577173414056},{"text":"They give that to the super fund, and the super fund can release that amount to pay for it.","start":624.465,"end":630.3,"sentiment":"neutral","sentiment_score":0.08503116824124989},{"text":"It'll be a similar thing with, like, the knee surgery.","start":631.82,"end":635.12,"sentiment":"neutral","sentiment_score":-0.05101330690085888},{"text":"Like, if you go to a GP and the GP says, hey.","start":635.26,"end":637.66,"sentiment":"neutral","sentiment_score":-0.07568489046146472},{"text":"You need to go sort your knee out, and the specialist says, hey.","start":637.66,"end":641.04,"sentiment":"neutral","sentiment_score":-0.11086674435780598}],"sentiment":"neutral","sentiment_score":-0.029663219978963887,"num_words":81,"start":617.905,"end":641.04},{"sentences":[{"text":"It's gonna cost you $5 to get this knee replacement or whatever it is, then you could potentially have that specialist and the GP signing off on that one.","start":641.42,"end":651.375,"sentiment":"neutral","sentiment_score":-0.10587683731111987},{"text":"Of course gotcha.","start":652.075,"end":658.75,"sentiment":"neutral","sentiment_score":-0.07960662494103114},{"text":"Yeah.","start":664.17004,"end":664.57,"sentiment":"neutral","sentiment_score":-0.1232934594154358},{"text":"Perfect.","start":664.57,"end":665.07,"sentiment":"neutral","sentiment_score":-0.04642954468727112},{"text":"So then your two avenues there is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it.","start":670.90497,"end":682.9626,"sentiment":"neutral","sentiment_score":-0.09864630486543585}],"sentiment":"neutral","sentiment_score":-0.10031292880574862,"num_words":75,"start":641.42,"end":682.9626},{"sentences":[{"text":"Yep.","start":682.9626,"end":683.2839,"sentiment":"neutral","sentiment_score":-0.005484185181558132},{"text":"My warning as usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be careful.","start":683.2839,"end":695.8137,"sentiment":"negative","sentiment_score":-0.3795674629509449},{"text":"But can definitely help you through the process there, and it is pretty straightforward.","start":695.8137,"end":699.655,"sentiment":"positive","sentiment_score":0.5429869656051908},{"text":"You get the two people signing off, goes to the ATO with the quote and the sign off.","start":699.655,"end":704.555,"sentiment":"neutral","sentiment_score":0.22122440156009462},{"text":"They give you an approval, give that to the fund, and they go, no worries.","start":704.615,"end":707.755,"sentiment":"neutral","sentiment_score":0.24989594717820485}],"sentiment":"neutral","sentiment_score":0.006019318551253313,"num_words":87,"start":682.9626,"end":707.755},{"sentences":[{"text":"K?","start":709.67004,"end":710.07,"sentiment":"neutral","sentiment_score":0.1496322900056839},{"text":"So that's all lined up for July onwards.","start":710.07,"end":712.15,"sentiment":"neutral","sentiment_score":0.1626111064106226},{"text":"Like, obviously, we can't do it right now.","start":712.15,"end":713.59,"sentiment":"neutral","sentiment_score":0.05370220565237105},{"text":"You'll have to go through the appointments and everything first, but I just wanted to give you a bit of info and see if I could help.","start":713.59,"end":719.29004,"sentiment":"neutral","sentiment_score":0.15788465724499137},{"text":"No worries at all.","start":721.20496,"end":722.345,"sentiment":"neutral","sentiment_score":0.18870042636990547}],"sentiment":"neutral","sentiment_score":0.14370471328341713,"num_words":48,"start":709.67004,"end":722.345},{"sentences":[{"text":"Yeah.","start":724.805,"end":725.045,"sentiment":"neutral","sentiment_score":-0.08475255966186523},{"text":"Look.","start":725.045,"end":725.285,"sentiment":"neutral","sentiment_score":-0.11416468024253844},{"text":"It's like never ending.","start":725.285,"end":726.40497,"sentiment":"neutral","sentiment_score":-0.14768346026539803},{"text":"Hey?","start":726.40497,"end":726.90497,"sentiment":"neutral","sentiment_score":-0.054626401513814926},{"text":"Yeah.","start":731.845,"end":732.345,"sentiment":"neutral","sentiment_score":-0.06513895094394684}],"sentiment":"neutral","sentiment_score":-0.1136770541779697,"num_words":8,"start":724.805,"end":732.345},{"sentences":[{"text":"Yep.","start":732.93,"end":733.43,"sentiment":"neutral","sentiment_score":-0.04605203866958618},{"text":"Yeah.","start":742.13,"end":742.63,"sentiment":"neutral","sentiment_score":-0.018476881086826324},{"text":"Well, there you go.","start":751.265,"end":752.325,"sentiment":"neutral","sentiment_score":-0.10843493603169918},{"text":"Yeah.","start":756.63995,"end":756.88,"sentiment":"neutral","sentiment_score":-0.1382361352443695},{"text":"You've been through it before.","start":756.88,"end":758.0,"sentiment":"neutral","sentiment_score":-0.17125744223594666}],"sentiment":"neutral","sentiment_score":-0.124399334192276,"num_words":12,"start":732.93,"end":758.0},{"sentences":[{"text":"Right?","start":758.0,"end":758.5,"sentiment":"neutral","sentiment_score":-0.08686357736587524},{"text":"Yeah.","start":762.95996,"end":763.45996,"sentiment":"neutral","sentiment_score":-0.13087064027786255},{"text":"Yeah.","start":768.975,"end":769.375,"sentiment":"neutral","sentiment_score":-0.17920084297657013},{"text":"And that's part of that.","start":769.375,"end":770.415,"sentiment":"neutral","sentiment_score":-0.15881684720516204},{"text":"Like, again, when they talk about the legislation for compassionate release of super, it's things like preventing onset of acute pain and things like that where it's kind of urgent.","start":770.415,"end":780.675,"sentiment":"neutral","sentiment_score":-0.1141544030358394}],"sentiment":"neutral","sentiment_score":-0.12146451020319211,"num_words":38,"start":758.0,"end":780.675},{"sentences":[{"text":"Yeah.","start":786.26,"end":786.76,"sentiment":"neutral","sentiment_score":-0.07411303371191025},{"text":"Yeah.","start":786.82,"end":787.32,"sentiment":"neutral","sentiment_score":-0.10765939950942992},{"text":"Absolutely.","start":789.14,"end":789.64,"sentiment":"neutral","sentiment_score":-0.0788535326719284},{"text":"And that's the thing is you can't work around.","start":791.78,"end":793.80005,"sentiment":"neutral","sentiment_score":-0.1481357163025273},{"text":"Yeah.","start":797.815,"end":798.315,"sentiment":"neutral","sentiment_score":0.03437896445393562}],"sentiment":"neutral","sentiment_score":-0.11995911139708298,"num_words":13,"start":786.26,"end":798.315},{"sentences":[{"text":"Yeah.","start":803.735,"end":804.055,"sentiment":"positive","sentiment_score":0.5697920322418213},{"text":"And you gotta have those things.","start":804.055,"end":805.515,"sentiment":"positive","sentiment_score":0.6167938709259033},{"text":"Makes everything a little bit easier.","start":805.65497,"end":807.195,"sentiment":"positive","sentiment_score":0.6203404068946838},{"text":"Yeah.","start":821.155,"end":821.475,"sentiment":"neutral","sentiment_score":0.13834244012832642},{"text":"Cool.","start":821.475,"end":821.795,"sentiment":"neutral","sentiment_score":0.1660999059677124}],"sentiment":"positive","sentiment_score":0.5531360030174255,"num_words":15,"start":803.735,"end":821.795},{"sentences":[{"text":"So I'll have a quick chat to yep.","start":821.795,"end":828.355,"sentiment":"neutral","sentiment_score":0.04022937623085454},{"text":"Oh, really?","start":828.355,"end":828.835,"sentiment":"neutral","sentiment_score":-0.019085131585597992},{"text":"He's he's not a client of ours, though, is he?","start":828.835,"end":830.775,"sentiment":"neutral","sentiment_score":-0.05231523551046848},{"text":"Would you be the same surname?","start":836.77,"end":839.11005,"sentiment":"neutral","sentiment_score":-0.02937067796786626},{"text":"Oh, what's His name?","start":844.46497,"end":846.32495,"sentiment":"neutral","sentiment_score":-0.02362930402159691}],"sentiment":"neutral","sentiment_score":-0.017007629744087656,"num_words":30,"start":821.795,"end":846.32495},{"sentences":[{"text":"And is that with an r?","start":853.02496,"end":854.485,"sentiment":"neutral","sentiment_score":-0.020921251115699608},{"text":"Craig?","start":854.785,"end":855.285,"sentiment":"neutral","sentiment_score":-0.02541753649711609},{"text":"I don't have Craig Rossington.","start":862.59,"end":865.23,"sentiment":"neutral","sentiment_score":-0.07774629443883896},{"text":"He may have actually gone through one of the other firms because there was definitely a whole bunch of firms talking to you guys for a little while there, so may have gone to one of the other ones.","start":865.23,"end":875.03503,"sentiment":"neutral","sentiment_score":-0.040154338312836796},{"text":"If at any point you wanna send him our way to have a bit of a chat, more than happy to.","start":876.53503,"end":880.955,"sentiment":"neutral","sentiment_score":0.26559095829725266}],"sentiment":"neutral","sentiment_score":0.048218255759113364,"num_words":72,"start":853.02496,"end":880.955},{"sentences":[{"text":"But no way.","start":881.015,"end":887.61,"sentiment":"neutral","sentiment_score":-0.056107492496569954},{"text":"Yeah.","start":903.285,"end":903.605,"sentiment":"neutral","sentiment_score":-0.04840861260890961},{"text":"I think one of the brilliant things with this HubSupra is they just have so many options.","start":903.605,"end":907.785,"sentiment":"positive","sentiment_score":0.6995884215130526},{"text":"There's, like, 1,300 options.","start":907.86,"end":909.54,"sentiment":"positive","sentiment_score":0.5259867906570435},{"text":"There's some really good investments in there.","start":909.54,"end":911.64,"sentiment":"positive","sentiment_score":0.6860662954194205}],"sentiment":"positive","sentiment_score":0.580708853318356,"num_words":32,"start":881.015,"end":911.64},{"sentences":[{"text":"And if you pick the right ones, you get some good growth out of it.","start":911.94,"end":915.06,"sentiment":"positive","sentiment_score":0.5671266098817189},{"text":"Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on.","start":915.06,"end":920.835,"sentiment":"neutral","sentiment_score":0.07439061783646282},{"text":"So we're not gonna put you in the highest risk thing possible, but we were trying to go a bit more growth focused.","start":920.91504,"end":926.215,"sentiment":"neutral","sentiment_score":-0.05057985262702341},{"text":"Yeah.","start":929.155,"end":929.655,"sentiment":"neutral","sentiment_score":-0.014128686860203745},{"text":"Absolutely.","start":932.835,"end":933.335,"sentiment":"neutral","sentiment_score":0.151133194565773}],"sentiment":"neutral","sentiment_score":0.15074557261699337,"num_words":59,"start":911.94,"end":933.335},{"sentences":[{"text":"Yeah.","start":933.98004,"end":934.22003,"sentiment":"neutral","sentiment_score":0.11006522178649902},{"text":"Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him.","start":934.22003,"end":940.22003,"sentiment":"neutral","sentiment_score":0.15933082789182662},{"text":"But if he's being looked after, that's excellent too.","start":940.22003,"end":942.72003,"sentiment":"neutral","sentiment_score":0.27796321445041233},{"text":"But the offer's always there.","start":942.78,"end":944.32,"sentiment":"neutral","sentiment_score":0.2941017717123032},{"text":"Cool.","start":947.035,"end":947.355,"sentiment":"positive","sentiment_score":0.35907092690467834}],"sentiment":"neutral","sentiment_score":0.20547767401468464,"num_words":41,"start":933.98004,"end":947.355},{"sentences":[{"text":"So I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that once payroll's back, you'll have a chat to them around June to try and start that in the July.","start":947.355,"end":959.77496,"sentiment":"neutral","sentiment_score":0.10962028110899576},{"text":"And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in.","start":960.78,"end":968.8,"sentiment":"neutral","sentiment_score":0.07008183059784082},{"text":"But, hopefully, that gives you a bit of a a direction on what to do.","start":968.94,"end":972.045,"sentiment":"neutral","sentiment_score":0.11867783069610596},{"text":"It is one thing at a time.","start":977.165,"end":979.005,"sentiment":"neutral","sentiment_score":0.06685957152928625},{"text":"One thing at a time.","start":979.005,"end":979.725,"sentiment":"neutral","sentiment_score":0.07147208973765373}],"sentiment":"neutral","sentiment_score":0.09491600032816543,"num_words":94,"start":947.355,"end":979.725},{"sentences":[{"text":"We try and chop it into bite sized pieces, and we just try and tick off one at a time.","start":979.725,"end":983.58496,"sentiment":"neutral","sentiment_score":0.07127670347690582},{"text":"Awesome, Libby.","start":985.82,"end":986.46,"sentiment":"positive","sentiment_score":0.4616521894931793},{"text":"Do you have any questions for me at this point?","start":986.46,"end":988.16,"sentiment":"neutral","sentiment_score":0.14805299043655396},{"text":"You are most welcome anytime at all, but I do hope you have a fantastic week.","start":992.46,"end":997.5,"sentiment":"positive","sentiment_score":0.49063735641539097},{"text":"I hope everything gets better health wise because that's the most important thing, and that can be the most annoying.","start":997.5,"end":1003.875,"sentiment":"neutral","sentiment_score":0.20358534157276154}],"sentiment":"neutral","sentiment_score":0.23163636598516912,"num_words":68,"start":979.725,"end":1003.875},{"sentences":[{"text":"And if you do have any questions, call, text, email.","start":1004.255,"end":1008.17505,"sentiment":"neutral","sentiment_score":0.1829393684864044},{"text":"Happy to help.","start":1008.17505,"end":1009.0109,"sentiment":"positive","sentiment_score":0.6760332385698954},{"text":"Alright, Libby.","start":1011.5709,"end":1012.1309,"sentiment":"positive","sentiment_score":0.6609174609184265},{"text":"You have a fantastic day, mate.","start":1012.1309,"end":1013.6709,"sentiment":"positive","sentiment_score":0.8219799796740214},{"text":"Thank you.","start":1015.1709,"end":1015.8109,"sentiment":"positive","sentiment_score":0.6531952023506165}],"sentiment":"positive","sentiment_score":0.4964173306589541,"num_words":23,"start":1004.255,"end":1015.8109},{"sentences":[{"text":"Bye.","start":1015.8109,"end":1016.3109,"sentiment":"neutral","sentiment_score":0.3065078854560852}],"sentiment":"neutral","sentiment_score":0.3065078854560852,"num_words":1,"start":1015.8109,"end":1016.3109}]}}]},{"alternatives":[{"transcript":"Hello. Speaking. I'm good. How are you? Don't know yet. I don't know about my evening yet. The day was busy. Yes. Absolutely. Mhmm. Yeah. I do. Yeah. Sure. Mhmm. Nineteen two sixty five, unit one, four Tyson Way, Sydney three zero three seven. Yep. Yep. Mhmm. Yep. Sure. I can't what you guys suggested is a no no. I can't do that much. That's a no no. Okay. No. I'm not very good at this stuff, but I'll try and work that out. Yeah? Okay. Save. Yep. So hold on. Let me just try and get a pen and paper here. That's alright. Okay. So let me write this down. So you are so we but before before yes. Yeah? It's 86 Support not? Mhmm. Yes. Right. So I put in $3.88, so I lose $398. Is that correct? For my great weight. Yep. Hold on. Let me just see. $5.70. The $5.70 is monthly. Yes? Right. Yes. May Yep. 5. Mhmm. Okay. Yes. Yes. Okay. I know I know it went in and I went, oh, where's that come from? And but at because it was in my account, but actually, at the moment, I I can actually use it because I've got ties to get. I've got service. And I've got Reggio coming up. Yay. Absolutely. Well, this is my last service where where I've got my car from because they they they actually tried to cheat me. But I I I worked them out last time. I said, nope. In my contract, it was set for three years. It wasn't going up. Oh, let me check. Oh, yeah. You're right. I told another girl that was sitting there waiting for hers to be serviced, and I told her the same. Just oh, thanks for that. I'm gonna check up on that. Any chance I can keep get that into my account for the May '1, please? Because that would just help me with the rego. Absolutely ridiculous. Okay. Now I'm going to have to work the all that out from my on my with my wages and all that, and I'll get back to you on that anyway. Yep. Yep. Yep. Yep. Okay. Yeah. She's but she's on holidays too, so it's till the end of the month. So when she comes back, I'll speak to her because I don't know the other line. Yeah. Yep. Okay. Cool. Yep. Yep. Yep. Okay. Yep. Yep. I need a new replacement. That's my second one. I already had one done. I need the other one done. I'll probably go private this time. Last time I was public, but it was okay, but I'm I have to ring I've gotta ring into searching tomorrow to try and make an appointment with him because I haven't seen this one before. So I need to sort all that out with him. And, yeah, I need some plates, and my my teeth are wrecked. I had lap band surgery, and it affects the teeth, which I wasn't aware of. Yes. I'll tell you what. I would not recommend it again. It's from the being sick. It's asset from being sick. Yeah. Yep. I thought it was it was the the least invasive surgery, but it's not worth it. Not yet. No. She went on maternity leave. I know. But she's back early July, so I already got an appointment set up with her. So she'll tell me what needs to be done and how much it is. Because I'm I'm even thinking, like, get one through the super fund, and the other one I see, whichever is let's get a loan out. A personal loan. Just refinance my loan. Yep. Okay. Yes. Okay. Yeah. But with the with the plates, I I'm seeing the actual lady that makes the plate first, and she will tell me if I will need to see what I need to have done beforehand before she starts. The receptionist said, don't go to a dentist first. Get her to look at it and tell you exactly what needs to be done. Don't waste your money. Okay. Yeah. No problem. Yes. Yep. Cool. Yeah. Yep. Thanks for that. Yeah. It's a lot lot to deal with. Nope. So the knee, I know it'd be painful recovery because I've been through one, so I know exactly what I'm up for. But I can bend mine, no problems, without physio. Like, I had physio seven weeks in. I'll start a physio. And he was just amazed. And I took no. I took hardly any and don't. Where everybody takes lots and lots of you know, I've got a high pain threshold. I've been through it for years with with pain. So I'll I'll I'll daily pain. But it's just getting to the stage where it's too much where my back's killing me, everything. Yeah. Yeah. I know. The pain's there nonstop, and it stopped me from doing so much. But there's no life. And I like going out. I like yeah. I love going out dancing, and I can't dance now. One dance and that'll be it. Yeah. I love my music. Music's life. Yeah. Oh, well, that's good. I've got that information written down. I'll work through that, and I'll actually get my partner to work through that and I and probably his brother because his brother pretty clueless with the tax stuff and so is my partner. Let's see. My partner is with my partner is with HOP twenty four as well. I don't know. I don't know if he's with you guys as well. No. Actually, no. He put me on to you, so he would be one of your customers' clients. And Craig Rossington, and he's got a middle name and I can't remember that. Yeah. R o, s s, I n g t o n. Yeah. He's actually he he was on a conference call the other week with America on a on a Teams call. And, yeah, he said he's just he's put me on to you because he's just grown. He's and he hasn't really been working much lately, and he's got, like, 300,000 in there now. And, yeah, he put me on to you guys. Yeah. Yes. No. He's four he's yeah. He's four years younger than me. So, you know, he's got a little bit longer to go. Yep. Beautiful. Thank you for that. Yep. Mhmm. Yep. Yep. Thanks for that. Yeah. It's it's a lot to think of, but I'll get there. Yep. Exactly. Nope. I'm fine for now. Thank you so much. And you too? Yes. Beautiful. Thank you so much. And you too. Alright. K. 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Speaking. I'm good. How are you? Don't know yet.\n\nI don't know about my evening yet. The day was busy. Yes. Absolutely. Mhmm.\n\nYeah. I do. Yeah. Sure. Mhmm.\n\nNineteen two sixty five, unit one, four Tyson Way, Sydney three zero three seven. Yep. Yep. Mhmm. Yep.\n\nSure. I can't what you guys suggested is a no no. I can't do that much. That's a no no. Okay.\n\nNo. I'm not very good at this stuff, but I'll try and work that out. Yeah? Okay. Save.\n\nYep. So hold on. Let me just try and get a pen and paper here. That's alright. Okay.\n\nSo let me write this down. So you are so we but before before yes. Yeah? It's 86 Support not? Mhmm.\n\nYes. Right. So I put in $3.88, so I lose $398. Is that correct? For my great weight.\n\nYep. Hold on. Let me just see. $5.70. The $5.70 is monthly.\n\nYes? Right. Yes. May Yep. 5.\n\nMhmm. Okay. Yes. Yes. Okay.\n\nI know I know it went in and I went, oh, where's that come from? And but at because it was in my account, but actually, at the moment, I I can actually use it because I've got ties to get. I've got service. And I've got Reggio coming up. Yay.\n\nAbsolutely. Well, this is my last service where where I've got my car from because they they they actually tried to cheat me. But I I I worked them out last time. I said, nope. In my contract, it was set for three years.\n\nIt wasn't going up. Oh, let me check. Oh, yeah. You're right. I told another girl that was sitting there waiting for hers to be serviced, and I told her the same.\n\nJust oh, thanks for that. I'm gonna check up on that. Any chance I can keep get that into my account for the May '1, please? Because that would just help me with the rego. Absolutely ridiculous.\n\nOkay. Now I'm going to have to work the all that out from my on my with my wages and all that, and I'll get back to you on that anyway. Yep. Yep. Yep.\n\nYep. Okay. Yeah. She's but she's on holidays too, so it's till the end of the month. So when she comes back, I'll speak to her because I don't know the other line.\n\nYeah. Yep. Okay. Cool. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nI need a new replacement. That's my second one. I already had one done. I need the other one done. I'll probably go private this time.\n\nLast time I was public, but it was okay, but I'm I have to ring I've gotta ring into searching tomorrow to try and make an appointment with him because I haven't seen this one before. So I need to sort all that out with him. And, yeah, I need some plates, and my my teeth are wrecked. I had lap band surgery, and it affects the teeth, which I wasn't aware of. Yes.\n\nI'll tell you what. I would not recommend it again. It's from the being sick. It's asset from being sick. Yeah.\n\nYep. I thought it was it was the the least invasive surgery, but it's not worth it. Not yet. No. She went on maternity leave.\n\nI know. But she's back early July, so I already got an appointment set up with her. So she'll tell me what needs to be done and how much it is. Because I'm I'm even thinking, like, get one through the super fund, and the other one I see, whichever is let's get a loan out. A personal loan.\n\nJust refinance my loan. Yep. Okay. Yes. Okay.\n\nYeah. But with the with the plates, I I'm seeing the actual lady that makes the plate first, and she will tell me if I will need to see what I need to have done beforehand before she starts. The receptionist said, don't go to a dentist first. Get her to look at it and tell you exactly what needs to be done. Don't waste your money.\n\nOkay. Yeah. No problem. Yes. Yep.\n\nCool. Yeah. Yep. Thanks for that. Yeah.\n\nIt's a lot lot to deal with. Nope. So the knee, I know it'd be painful recovery because I've been through one, so I know exactly what I'm up for. But I can bend mine, no problems, without physio. Like, I had physio seven weeks in.\n\nI'll start a physio. And he was just amazed. And I took no. I took hardly any and don't. Where everybody takes lots and lots of you know, I've got a high pain threshold.\n\nI've been through it for years with with pain. So I'll I'll I'll daily pain. But it's just getting to the stage where it's too much where my back's killing me, everything. Yeah. Yeah.\n\nI know. The pain's there nonstop, and it stopped me from doing so much. But there's no life. And I like going out. I like yeah.\n\nI love going out dancing, and I can't dance now. One dance and that'll be it. Yeah. I love my music. Music's life.\n\nYeah. Oh, well, that's good. I've got that information written down. I'll work through that, and I'll actually get my partner to work through that and I and probably his brother because his brother pretty clueless with the tax stuff and so is my partner. Let's see.\n\nMy partner is with my partner is with HOP twenty four as well. I don't know. I don't know if he's with you guys as well. No. Actually, no.\n\nHe put me on to you, so he would be one of your customers' clients. And Craig Rossington, and he's got a middle name and I can't remember that. Yeah. R o, s s, I n g t o n. Yeah.\n\nHe's actually he he was on a conference call the other week with America on a on a Teams call. And, yeah, he said he's just he's put me on to you because he's just grown. He's and he hasn't really been working much lately, and he's got, like, 300,000 in there now. And, yeah, he put me on to you guys. Yeah.\n\nYes. No. He's four he's yeah. He's four years younger than me. So, you know, he's got a little bit longer to go.\n\nYep. Beautiful. Thank you for that. Yep. Mhmm.\n\nYep. Yep. Thanks for that. Yeah. It's it's a lot to think of, but I'll get there.\n\nYep. Exactly. Nope. I'm fine for now. Thank you so much.\n\nAnd you too? Yes. Beautiful. Thank you so much. And you too.\n\nAlright. K. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.06794507801532745},{"text":"Speaking.","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.061382144689559937},{"text":"I'm good.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.4693157225847244},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"positive","sentiment_score":0.3671807646751404},{"text":"Don't know yet.","start":11.679999,"end":12.58,"sentiment":"neutral","sentiment_score":-0.032089571158091225}],"sentiment":"neutral","sentiment_score":0.20732322484254836,"num_words":10,"start":0.56,"end":12.58},{"sentences":[{"text":"I don't know about my evening yet.","start":12.639999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.08551586100033351},{"text":"The day was busy.","start":13.92,"end":14.88,"sentiment":"neutral","sentiment_score":-0.12625699676573277},{"text":"Yes.","start":14.88,"end":15.195,"sentiment":"neutral","sentiment_score":0.027874309569597244},{"text":"Absolutely.","start":25.275,"end":25.775,"sentiment":"neutral","sentiment_score":0.25721579790115356},{"text":"Mhmm.","start":26.794998,"end":27.294998,"sentiment":"neutral","sentiment_score":0.02296321466565132}],"sentiment":"neutral","sentiment_score":-0.056827549423490255,"num_words":14,"start":12.639999,"end":27.294998},{"sentences":[{"text":"Yeah.","start":28.314999,"end":28.555,"sentiment":"neutral","sentiment_score":0.07110762596130371},{"text":"I 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seven.","start":50.625,"end":56.469997,"sentiment":"neutral","sentiment_score":0.024022723880729506},{"text":"Yep.","start":60.93,"end":61.43,"sentiment":"neutral","sentiment_score":0.028634168207645416},{"text":"Yep.","start":71.445,"end":71.945,"sentiment":"neutral","sentiment_score":-0.04760203883051872},{"text":"Mhmm.","start":83.685005,"end":83.8575,"sentiment":"neutral","sentiment_score":-0.0011211633682250977},{"text":"Yep.","start":83.8575,"end":84.03,"sentiment":"neutral","sentiment_score":0.10049694776535034}],"sentiment":"neutral","sentiment_score":0.023151447116914723,"num_words":18,"start":50.625,"end":84.03},{"sentences":[{"text":"Sure.","start":85.95,"end":86.45,"sentiment":"neutral","sentiment_score":-0.034346193075180054},{"text":"I can't what you guys suggested is a no no.","start":90.67,"end":93.89,"sentiment":"negative","sentiment_score":-0.3817059963941574},{"text":"I can't do that 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alright.","start":171.62,"end":172.36,"sentiment":"neutral","sentiment_score":0.11612471565604209},{"text":"Okay.","start":182.31499,"end":182.81499,"sentiment":"neutral","sentiment_score":0.11252888292074203}],"sentiment":"neutral","sentiment_score":0.11032531058622731,"num_words":18,"start":163.00499,"end":182.81499},{"sentences":[{"text":"So let me write this down.","start":186.95499,"end":189.995,"sentiment":"neutral","sentiment_score":0.08967916232844193},{"text":"So you are so we but before before yes.","start":189.995,"end":197.43,"sentiment":"neutral","sentiment_score":0.041608167398307055},{"text":"Yeah?","start":205.09,"end":205.25,"sentiment":"neutral","sentiment_score":0.01789858192205429},{"text":"It's 86 Support 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went in and I went, oh, where's that come from?","start":327.51498,"end":330.48,"sentiment":"neutral","sentiment_score":0.005189635573575894},{"text":"And but at because it was in my account, but actually, at the moment, I I can actually use it because I've got ties to get.","start":330.72,"end":340.96002,"sentiment":"neutral","sentiment_score":0.03499277788572586},{"text":"I've got service.","start":340.96002,"end":343.605,"sentiment":"neutral","sentiment_score":0.029786893477042515},{"text":"And I've got Reggio coming up.","start":344.14502,"end":346.065,"sentiment":"neutral","sentiment_score":0.039674798026680946},{"text":"Yay.","start":346.065,"end":346.565,"sentiment":"neutral","sentiment_score":0.3006558418273926}],"sentiment":"neutral","sentiment_score":0.03168082488335523,"num_words":51,"start":327.51498,"end":346.565},{"sentences":[{"text":"Absolutely.","start":350.465,"end":350.945,"sentiment":"neutral","sentiment_score":0.15934181213378906},{"text":"Well, this is my last 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yeah.","start":367.16998,"end":367.65,"sentiment":"neutral","sentiment_score":0.016820644959807396},{"text":"You're right.","start":367.65,"end":368.46997,"sentiment":"neutral","sentiment_score":0.040795646607875824},{"text":"I told another girl that was sitting there waiting for hers to be serviced, and I told her the same.","start":370.205,"end":374.445,"sentiment":"neutral","sentiment_score":-0.005662477202713489}],"sentiment":"neutral","sentiment_score":-0.026272813498508185,"num_words":32,"start":364.77,"end":374.445},{"sentences":[{"text":"Just oh, thanks for that.","start":374.445,"end":375.325,"sentiment":"neutral","sentiment_score":0.331297904253006},{"text":"I'm gonna check up on that.","start":375.325,"end":376.705,"sentiment":"neutral","sentiment_score":0.17524439841508865},{"text":"Any chance I can keep get that into my account for the May '1, please?","start":388.81,"end":392.59,"sentiment":"neutral","sentiment_score":0.15235747247934342},{"text":"Because that would just help me with the rego.","start":393.37,"end":395.38998,"sentiment":"positive","sentiment_score":0.390777114364836},{"text":"Absolutely ridiculous.","start":398.815,"end":399.95502,"sentiment":"neutral","sentiment_score":0.16033324599266052}],"sentiment":"neutral","sentiment_score":0.238675095140934,"num_words":37,"start":374.445,"end":399.95502},{"sentences":[{"text":"Okay.","start":405.055,"end":405.555,"sentiment":"neutral","sentiment_score":0.11731597036123276},{"text":"Now I'm going to have to work the all that out from my on my with my wages and all that, and I'll get back to you on that anyway.","start":406.015,"end":415.25,"sentiment":"neutral","sentiment_score":0.09673315348724525},{"text":"Yep.","start":427.565,"end":428.065,"sentiment":"neutral","sentiment_score":0.09827151149511336},{"text":"Yep.","start":432.275,"end":432.525,"sentiment":"neutral","sentiment_score":0.02880310639739037},{"text":"Yep.","start":432.525,"end":432.765,"sentiment":"neutral","sentiment_score":-0.02368292771279812}],"sentiment":"neutral","sentiment_score":0.09184418426936164,"num_words":34,"start":405.055,"end":432.765},{"sentences":[{"text":"Yep.","start":432.765,"end":433.265,"sentiment":"neutral","sentiment_score":-0.1101248860359192},{"text":"Okay.","start":436.38,"end":436.88,"sentiment":"neutral","sentiment_score":-0.013367881998419762},{"text":"Yeah.","start":437.02,"end":437.18,"sentiment":"neutral","sentiment_score":-0.019382143393158913},{"text":"She's but she's on holidays too, so it's till the end of the 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problem.","start":683.91,"end":684.57,"sentiment":"neutral","sentiment_score":-0.13873663917183876},{"text":"Yes.","start":695.28503,"end":695.78503,"sentiment":"neutral","sentiment_score":-0.1742432713508606},{"text":"Yep.","start":704.87,"end":705.37,"sentiment":"neutral","sentiment_score":0.22348105907440183}],"sentiment":"neutral","sentiment_score":-0.05301023554056883,"num_words":6,"start":683.11,"end":705.37},{"sentences":[{"text":"Cool.","start":709.67,"end":709.91,"sentiment":"neutral","sentiment_score":0.3125873804092407},{"text":"Yeah.","start":709.91,"end":710.41,"sentiment":"neutral","sentiment_score":0.14592349529266355},{"text":"Yep.","start":719.25494,"end":719.735,"sentiment":"neutral","sentiment_score":0.24076703190803528},{"text":"Thanks for that.","start":719.735,"end":720.795,"sentiment":"positive","sentiment_score":0.5502443313598633},{"text":"Yeah.","start":722.13495,"end":722.375,"sentiment":"neutral","sentiment_score":-0.012704648077487946}],"sentiment":"positive","sentiment_score":0.33390089337314877,"num_words":7,"start":709.67,"end":722.375},{"sentences":[{"text":"It's a lot lot to deal with.","start":722.375,"end":724.15497,"sentiment":"neutral","sentiment_score":-0.14807020553520747},{"text":"Nope.","start":727.495,"end":727.995,"sentiment":"neutral","sentiment_score":-0.13760004937648773},{"text":"So the knee, I know it'd be painful recovery because I've been through one, so I know exactly what I'm up for.","start":728.055,"end":734.31,"sentiment":"neutral","sentiment_score":-0.12315266833386639},{"text":"But I can bend mine, no problems, without physio.","start":735.81,"end":739.51,"sentiment":"neutral","sentiment_score":-0.09049399776591195},{"text":"Like, I had physio seven weeks in.","start":739.57,"end":741.59,"sentiment":"neutral","sentiment_score":-0.04542375515614237}],"sentiment":"neutral","sentiment_score":-0.10904048820552618,"num_words":46,"start":722.375,"end":741.59},{"sentences":[{"text":"I'll start a physio.","start":741.81,"end":742.87,"sentiment":"neutral","sentiment_score":-0.021021458320319653},{"text":"And he was just amazed.","start":743.89,"end":745.49,"sentiment":"neutral","sentiment_score":-0.08417937606573105},{"text":"And I took no.","start":745.49,"end":746.79004,"sentiment":"neutral","sentiment_score":-0.20215646550059319},{"text":"I took hardly any and don't.","start":747.225,"end":749.005,"sentiment":"neutral","sentiment_score":-0.2531174023946126},{"text":"Where everybody takes lots and lots of you know, I've got a high pain threshold.","start":750.985,"end":755.64496,"sentiment":"neutral","sentiment_score":-0.16682121107975642}],"sentiment":"neutral","sentiment_score":-0.1569009163581273,"num_words":34,"start":741.81,"end":755.64496},{"sentences":[{"text":"I've been through it for years with with pain.","start":758.745,"end":760.58496,"sentiment":"neutral","sentiment_score":-0.1859498918056488},{"text":"So I'll I'll I'll daily pain.","start":760.58496,"end":762.21,"sentiment":"neutral","sentiment_score":-0.11656735837459564},{"text":"But it's just getting to the stage where it's too much where my back's killing me, everything.","start":764.45,"end":768.31,"sentiment":"neutral","sentiment_score":-0.32160641603610096},{"text":"Yeah.","start":781.745,"end":782.245,"sentiment":"neutral","sentiment_score":-0.03983191028237343},{"text":"Yeah.","start":782.38495,"end":782.625,"sentiment":"neutral","sentiment_score":-0.048086561262607574}],"sentiment":"neutral","sentiment_score":-0.2331817859016797,"num_words":34,"start":758.745,"end":782.625},{"sentences":[{"text":"I know.","start":782.625,"end":783.285,"sentiment":"neutral","sentiment_score":-0.0660691149532795},{"text":"The pain's there nonstop, and it stopped me from doing so much.","start":783.345,"end":788.165,"sentiment":"neutral","sentiment_score":-0.13035619569321474},{"text":"But there's no life.","start":789.19,"end":790.49005,"sentiment":"neutral","sentiment_score":-0.23654339089989662},{"text":"And I like going out.","start":791.99005,"end":793.11005,"sentiment":"neutral","sentiment_score":-0.16116326451301574},{"text":"I like yeah.","start":793.11005,"end":794.63,"sentiment":"neutral","sentiment_score":0.026993980010350544}],"sentiment":"neutral","sentiment_score":-0.12951617401379806,"num_words":26,"start":782.625,"end":794.63},{"sentences":[{"text":"I love going out dancing, and I can't dance now.","start":794.63,"end":797.27,"sentiment":"neutral","sentiment_score":0.10659081451594829},{"text":"One dance and that'll be it.","start":797.27,"end":798.81006,"sentiment":"neutral","sentiment_score":0.019417812892546255},{"text":"Yeah.","start":800.23004,"end":800.55005,"sentiment":"positive","sentiment_score":0.559718132019043},{"text":"I love my music.","start":800.55005,"end":801.585,"sentiment":"positive","sentiment_score":0.7525833696126938},{"text":"Music's life.","start":801.98505,"end":806.325,"sentiment":"positive","sentiment_score":0.6607595086097717}],"sentiment":"neutral","sentiment_score":0.26408633261757053,"num_words":23,"start":794.63,"end":806.325},{"sentences":[{"text":"Yeah.","start":807.66504,"end":808.16504,"sentiment":"positive","sentiment_score":0.39882951974868774},{"text":"Oh, well, that's good.","start":809.585,"end":810.705,"sentiment":"positive","sentiment_score":0.5840084925293922},{"text":"I've got that information written down.","start":810.705,"end":812.54504,"sentiment":"positive","sentiment_score":0.5135707408189774},{"text":"I'll work through that, and I'll actually get my partner to work through that and I and probably his brother because his brother pretty clueless with the tax stuff and so is my partner.","start":812.54504,"end":820.77997,"sentiment":"neutral","sentiment_score":0.08009392746231135},{"text":"Let's see.","start":822.2,"end":822.68,"sentiment":"neutral","sentiment_score":0.05997316539287567}],"sentiment":"neutral","sentiment_score":0.18424314466562677,"num_words":47,"start":807.66504,"end":822.68},{"sentences":[{"text":"My partner is with my partner is with HOP twenty four as well.","start":822.68,"end":827.74,"sentiment":"neutral","sentiment_score":0.03279437611882503},{"text":"I don't know.","start":832.12,"end":833.42,"sentiment":"neutral","sentiment_score":-0.08659841616948445},{"text":"I don't know if he's with you guys as well.","start":835.105,"end":837.765,"sentiment":"neutral","sentiment_score":-0.05428811125457287},{"text":"No.","start":839.985,"end":840.485,"sentiment":"neutral","sentiment_score":-0.08577392995357513},{"text":"Actually, no.","start":840.545,"end":841.025,"sentiment":"neutral","sentiment_score":-0.06975626200437546}],"sentiment":"neutral","sentiment_score":-0.020746066395578713,"num_words":29,"start":822.68,"end":841.025},{"sentences":[{"text":"He put me on to you, so he would be one of your customers' clients.","start":841.025,"end":844.005,"sentiment":"neutral","sentiment_score":-0.0634173147380352},{"text":"And Craig Rossington, and he's got a middle name and I can't remember that.","start":844.78503,"end":852.3,"sentiment":"neutral","sentiment_score":-0.03452262269066913},{"text":"Yeah.","start":855.0,"end":855.5,"sentiment":"neutral","sentiment_score":-0.01265162881463766},{"text":"R o, s s, I n g t o n.","start":855.64,"end":860.77997,"sentiment":"neutral","sentiment_score":-0.013563493732362986},{"text":"Yeah.","start":880.89,"end":881.21,"sentiment":"neutral","sentiment_score":0.002329561859369278}],"sentiment":"neutral","sentiment_score":-0.0385495961711901,"num_words":41,"start":841.025,"end":881.21},{"sentences":[{"text":"He's actually he he was on a conference call the other week with America on a on a Teams call.","start":881.21,"end":892.03503,"sentiment":"neutral","sentiment_score":-0.03086299393326044},{"text":"And, yeah, he said he's just he's put me on to you because he's just grown.","start":892.09503,"end":896.335,"sentiment":"neutral","sentiment_score":0.010064319591037929},{"text":"He's and he hasn't really been working much lately, and he's got, like, 300,000 in there now.","start":896.335,"end":900.755,"sentiment":"neutral","sentiment_score":-0.049352912122712415},{"text":"And, yeah, he put me on to you guys.","start":901.055,"end":902.91504,"sentiment":"neutral","sentiment_score":0.015489457175135612},{"text":"Yeah.","start":911.98,"end":912.48,"sentiment":"positive","sentiment_score":0.5058411359786987}],"sentiment":"neutral","sentiment_score":-0.010317206678409425,"num_words":63,"start":881.21,"end":912.48},{"sentences":[{"text":"Yes.","start":921.435,"end":921.935,"sentiment":"neutral","sentiment_score":-0.05760528147220611},{"text":"No.","start":923.675,"end":924.075,"sentiment":"neutral","sentiment_score":-0.09183230996131896},{"text":"He's four he's yeah.","start":924.075,"end":926.555,"sentiment":"neutral","sentiment_score":-0.02124594757333398},{"text":"He's four years younger than me.","start":926.555,"end":928.155,"sentiment":"neutral","sentiment_score":-0.004692374262958765},{"text":"So, you know, he's got a little bit longer to go.","start":928.155,"end":932.255,"sentiment":"neutral","sentiment_score":-0.01496214343404228}],"sentiment":"neutral","sentiment_score":-0.01857213935126429,"num_words":23,"start":921.435,"end":932.255},{"sentences":[{"text":"Yep.","start":942.93,"end":943.43,"sentiment":"neutral","sentiment_score":0.20889165997505188},{"text":"Beautiful.","start":944.85,"end":945.35,"sentiment":"positive","sentiment_score":0.6963662505149841},{"text":"Thank you for that.","start":945.49,"end":946.305,"sentiment":"positive","sentiment_score":0.6964193731546402},{"text":"Yep.","start":954.46497,"end":954.96497,"sentiment":"neutral","sentiment_score":0.08971713483333588},{"text":"Mhmm.","start":960.225,"end":960.725,"sentiment":"neutral","sentiment_score":0.04088706895709038}],"sentiment":"positive","sentiment_score":0.4776924508623779,"num_words":8,"start":942.93,"end":960.725},{"sentences":[{"text":"Yep.","start":969.42004,"end":969.92004,"sentiment":"neutral","sentiment_score":0.1106019765138626},{"text":"Yep.","start":972.14,"end":972.62,"sentiment":"neutral","sentiment_score":0.12691107392311096},{"text":"Thanks for that.","start":972.62,"end":973.42004,"sentiment":"positive","sentiment_score":0.36830883224805194},{"text":"Yeah.","start":973.42004,"end":973.74,"sentiment":"neutral","sentiment_score":0.0995919704437256},{"text":"It's it's a lot to think of, but I'll get there.","start":973.74,"end":982.555,"sentiment":"neutral","sentiment_score":0.0707465989345854}],"sentiment":"neutral","sentiment_score":0.13060259446501732,"num_words":17,"start":969.42004,"end":982.555},{"sentences":[{"text":"Yep.","start":983.875,"end":984.375,"sentiment":"neutral","sentiment_score":0.0948268175125122},{"text":"Exactly.","start":984.515,"end":985.015,"sentiment":"neutral","sentiment_score":0.23747847974300385},{"text":"Nope.","start":988.35504,"end":988.85504,"sentiment":"neutral","sentiment_score":0.06452813744544983},{"text":"I'm fine for now.","start":989.23505,"end":990.455,"sentiment":"neutral","sentiment_score":0.13152610138058662},{"text":"Thank you so much.","start":990.755,"end":991.89,"sentiment":"positive","sentiment_score":0.5558667480945587}],"sentiment":"neutral","sentiment_score":0.28603680296377704,"num_words":11,"start":983.875,"end":991.89},{"sentences":[{"text":"And you too?","start":996.37,"end":998.71,"sentiment":"neutral","sentiment_score":0.23873706658681235},{"text":"Yes.","start":1004.45,"end":1004.95,"sentiment":"neutral","sentiment_score":0.1760561466217041},{"text":"Beautiful.","start":1009.515,"end":1009.995,"sentiment":"positive","sentiment_score":0.817726731300354},{"text":"Thank you so much.","start":1009.995,"end":1011.135,"sentiment":"positive","sentiment_score":0.8555745035409927},{"text":"And you too.","start":1013.675,"end":1014.575,"sentiment":"positive","sentiment_score":0.6553511420885721}],"sentiment":"positive","sentiment_score":0.5915287931760153,"num_words":12,"start":996.37,"end":1014.575},{"sentences":[{"text":"Alright.","start":1014.635,"end":1015.135,"sentiment":"positive","sentiment_score":0.360927939414978},{"text":"K.","start":1016.235,"end":1016.635,"sentiment":"neutral","sentiment_score":0.10596197098493576},{"text":"Bye.","start":1016.635,"end":1017.135,"sentiment":"neutral","sentiment_score":-0.11026597023010254}],"sentiment":"neutral","sentiment_score":0.11887464672327042,"num_words":3,"start":1014.635,"end":1017.135}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey,\n\nChannel 1: Hello. Speaking.\n\nChannel 0: Libby. It's Tommy here, senior adviser from overview. How are you going?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm living the dream. It's been a fantastic evening. What about yours?\n\nChannel 1: Don't know yet.\n\nChannel 0: Done\n\nChannel 1: I don't know about\n\nChannel 0: all\n\nChannel 1: my evening\n\nChannel 0: year.\n\nChannel 1: yet. The day was busy. Yes.\n\nChannel 0: Busy day, but the evening's still young. Fantastic. I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals\n\nChannel 1: Absolutely.\n\nChannel 0: from super. Do you still have\n\nChannel 1: Mhmm.\n\nChannel 0: some time for me?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Perfect. Before I jump into it, usual process now that you're a client of Oakview. We do record the calls for training and quality. Is that okay?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Perfect. And we don't have, like, a security question on file, and I know it's you. I have spoken to you before. But just for the security of your information, could I please confirm your date of birth and address?\n\nChannel 1: Mhmm. Nineteen two sixty five, unit one, four Tyson Way, Sydney three zero three seven.\n\nChannel 0: You aced it. Thank you so much, Natalie. Appreciate that. Now,\n\nChannel 1: Yep.\n\nChannel 0: mate, I wanted to go through a couple of things with you. There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and\n\nChannel 1: Yep.\n\nChannel 0: also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you. Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after that?\n\nChannel 1: Mhmm.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: can kind of point you in the right direction.\n\nChannel 1: Sure.\n\nChannel 0: Jack mentioned that you're a bit worried about salary sacrificing a full on\n\nChannel 1: I can't\n\nChannel 0: 200\n\nChannel 1: what\n\nChannel 0: and 80\n\nChannel 1: you\n\nChannel 0: six\n\nChannel 1: guys\n\nChannel 0: a\n\nChannel 1: suggested\n\nChannel 0: week.\n\nChannel 1: is a no no. I can't do that much. That's a no no.\n\nChannel 0: Yeah. So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account.\n\nChannel 1: Okay.\n\nChannel 0: So what the kind of idea is is when you put that money into super with salary sacrifice, it goes in before tax. So let's just use the example. $2.86 goes in, and it'll cost you about a 198 in the pocket because of the 15% tax difference compared to what you get taxed through work. Does that make sense?\n\nChannel 1: No. I'm not very good at this stuff, but I'll try and work that out. Yeah?\n\nChannel 0: That's okay. So when you get your pay, they'll take out income tax out of it. But if you salary sacrifice to your super, it's a lot less tax that comes out.\n\nChannel 1: Okay.\n\nChannel 0: So what that means is you can put $2.86 in, and it only cost you $200. And then the idea was that we would pull $202 out of your pension account to top you up. And then that\n\nChannel 1: Save.\n\nChannel 0: that 80\n\nChannel 1: Yep.\n\nChannel 0: 6 can go in to sort of boost your super up.\n\nChannel 1: So hold on. Let me just try and get a pen and paper here. That's\n\nChannel 0: Yeah.\n\nChannel 1: alright.\n\nChannel 0: Absolutely.\n\nChannel 1: Okay. So let me write this down. So you are so we but before before yes.\n\nChannel 0: Yep. So before tax, if your work puts in $286,\n\nChannel 1: Yeah? It's 86 Support not?\n\nChannel 0: I think we had that set to, I guess, the equivalent of weekly. You pay fortnightly.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. So that's\n\nChannel 1: Yes.\n\nChannel 0: a that's a big whack. So let me just get the exact figures for you just so it makes perfect sense. So we go $2.86 and fortnightly. So it'd be 572 a fortnight goes in.\n\nChannel 1: Right.\n\nChannel 0: Now because that goes in before you get taxed, it costs you $3.88 out of your pay packet for that 574 to go in.\n\nChannel 1: So I put in $3.88, so I lose $398. Is that correct?\n\nChannel 0: Correct. So first\n\nChannel 1: For my\n\nChannel 0: half of\n\nChannel 1: great\n\nChannel 0: the strategy\n\nChannel 1: weight.\n\nChannel 0: is you lose 388 out of your pay for 570 to go in. With me so far?\n\nChannel 1: Yep. Hold on. Let me just see. $5.70. The $5.70 is monthly.\n\nYes?\n\nChannel 0: That's fortnightly. So $5.70 goes in fortnightly, and that'll cost you that $3.88 in the pay on the fortnightly. And then\n\nChannel 1: Right.\n\nChannel 0: the pension account gives you $405 a fortnight out of your super.\n\nChannel 1: Yes. May\n\nChannel 0: Five.\n\nChannel 1: Yep. 5.\n\nChannel 0: So it costs you $3.88. You get 405, so you're technically, like, $15 ahead, but that\n\nChannel 1: Mhmm.\n\nChannel 0: extra $160 of tax difference goes inside your super and stays there.\n\nChannel 1: Okay.\n\nChannel 0: K? Now because of the way pension payments work, it's set to a monthly payment, and you'll\n\nChannel 1: Yes.\n\nChannel 0: set up for I think you may have gotten the first one at the April, and the next one set up for the May 30.\n\nChannel 1: Yes. Okay. I know I know it went in and I went, oh, where's that come from? And\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: but at because it was in my account, but actually, at the moment, I I can actually use it because I've got ties to get. I've got service. And I've got Reggio coming up. Yay.\n\nChannel 0: My favorite time of year is service and rego time.\n\nChannel 1: Absolutely. Well, this is my last service where where I've got my car from because they they they actually tried to cheat me. But\n\nChannel 0: Yep.\n\nChannel 1: I I I worked them out last time. I said, nope. In my contract, it was set for three years. It wasn't going up. Oh, let me check.\n\nOh, yeah. You're right. I told another\n\nChannel 0: Oh,\n\nChannel 1: girl that was sitting there waiting for hers to be serviced, and I told her\n\nChannel 0: oh\n\nChannel 1: the same. Just oh, thanks for that. I'm gonna check up on that.\n\nChannel 0: my. Yeah. Perfect. So would it be helpful for that that next payment to come out in May? That's another $8.90.\n\nChannel 1: Any chance I can keep get that into my account for the May '1, please?\n\nChannel 0: Yes.\n\nChannel 1: Because that would just help me with the rego.\n\nChannel 0: If that's if that's helpful for you, we can let\n\nChannel 1: Absolutely\n\nChannel 0: the the main\n\nChannel 1: ridiculous.\n\nChannel 0: one can pop out. And then if you're okay with it, we can start that recontribution in June.\n\nChannel 1: Okay. Now\n\nChannel 0: K.\n\nChannel 1: I'm going to have to work the all that out from my on my with my wages and all that, and I'll get back to you on that anyway.\n\nChannel 0: Yeah. Perfect. And it is just you chat to payroll and say, look. I've got an advice from my adviser to try and salary sacrifice this amount per fortnight and to line it up in June or July or whenever is comfortable for you because\n\nChannel 1: Yep.\n\nChannel 0: this is something that we're gonna do for a few years. So a couple of months is not gonna break it.\n\nChannel 1: Yep.\n\nChannel 0: A\n\nChannel 1: Yep.\n\nChannel 0: year\n\nChannel 1: Yep.\n\nChannel 0: of that would really deplete your super, but two months is fine.\n\nChannel 1: Okay. Yeah. She's but she's on holidays too, so it's till the end of the month. So when she comes back, I'll speak to her because\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: perfect.\n\nChannel 1: know the other line. Yeah.\n\nChannel 0: Yeah. So if we let that May one come out, the next one\n\nChannel 1: Yep.\n\nChannel 0: won't be till the June 30 anyway. So that gives it basically a month to try and set that up with work. And then, hopefully, you only have that one fortnight where you get the less pay, and then all of a sudden, $890 comes out boom into your bank account a few days later.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Cool. So if you wanna line\n\nChannel 1: Yep.\n\nChannel 0: that up in a way that's comfortable for your cash flow, work that out with payroll. And if you, you know, if you get them to start doing it in the July or something, or that's okay too.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool? Now\n\nChannel 1: Yep.\n\nChannel 0: when it comes to the dental and the knee surgery, what's going on? What's happening?\n\nChannel 1: I need\n\nChannel 0: What do\n\nChannel 1: a new\n\nChannel 0: you need?\n\nChannel 1: replacement. That's\n\nChannel 0: Jeez.\n\nChannel 1: my second one. I already had one done. I need the other one done.\n\nChannel 0: And do they do do they put it through the the public health system, or do you have to go private? What's what's happening?\n\nChannel 1: I'll probably go private this time. Last time I was public, but\n\nChannel 0: Yeah. Wasn't good experience?\n\nChannel 1: it was okay, but I'm I have to ring I've gotta ring into searching tomorrow to try and make an appointment with him because I haven't seen this one before.\n\nChannel 0: Yep.\n\nChannel 1: So I need to sort all that out with him. And, yeah, I need some plates, and my my teeth are wrecked. I had lap band surgery, and it affects the teeth, which I wasn't\n\nChannel 0: Oh,\n\nChannel 1: aware of.\n\nChannel 0: yeah. That's that can happen. I've heard of that a couple of times.\n\nChannel 1: Yes. I'll tell you what. I would not recommend it again. It's from the\n\nChannel 0: No.\n\nChannel 1: being sick. It's asset from being sick.\n\nChannel 0: Yeah. The stomach acid coming up.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: the one\n\nChannel 1: thought\n\nChannel 0: that'll\n\nChannel 1: it was\n\nChannel 0: do it.\n\nChannel 1: it was the the least invasive surgery, but it's not worth it.\n\nChannel 0: Do you have, by any chance, a quote from the dentist?\n\nChannel 1: Not yet. No. She went on maternity leave.\n\nChannel 0: Oh, as everyone does, everyone's\n\nChannel 1: I\n\nChannel 0: going to leave at the same time.\n\nChannel 1: know. But she's back early July, so I already got an appointment set up with her.\n\nChannel 0: Cool. So one\n\nChannel 1: So\n\nChannel 0: bit of\n\nChannel 1: she'll\n\nChannel 0: information\n\nChannel 1: tell\n\nChannel 0: that\n\nChannel 1: me\n\nChannel 0: I can\n\nChannel 1: what\n\nChannel 0: give\n\nChannel 1: needs\n\nChannel 0: you\n\nChannel 1: to be done and how much it is. Because I'm I'm even thinking, like, get one through the super fund, and the other one I\n\nChannel 0: Yep.\n\nChannel 1: see, whichever is let's get a loan out. A personal\n\nChannel 0: Yeah.\n\nChannel 1: loan.\n\nChannel 0: Yep. Gotcha.\n\nChannel 1: Just refinance\n\nChannel 0: So\n\nChannel 1: my loan.\n\nChannel 0: I've just gone through a couple of compassionate releases for dental with a couple of clients recently.\n\nChannel 1: Yep.\n\nChannel 0: Basically, the information that that they need is you go through, like, a dentist. They say, hey. You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it.\n\nChannel 1: Okay.\n\nChannel 0: So I'll give you an example. We we had one kid there. Parent took super out for the child's dental because all their their baby teeth were getting destroyed, and that's gonna impact the adult teeth underneath. The dentist signed off on it, and the specialist signed off on it, and that's all they needed to go to the ATO to get the release. They give\n\nChannel 1: Yes.\n\nChannel 0: that to the super fund, and the super fund can release that amount to pay for it.\n\nChannel 1: Okay.\n\nChannel 0: It'll be a similar thing with, like, the knee surgery. Like, if you go to a GP and the GP says, hey. You need to go sort your knee out, and the specialist says, hey. It's gonna cost you $5 to get this knee replacement or whatever it is, then you could potentially have that specialist and the GP signing off on that one.\n\nChannel 1: Yeah. But with\n\nChannel 0: Of\n\nChannel 1: the\n\nChannel 0: course\n\nChannel 1: with the plates, I I'm seeing the actual lady that makes the plate first,\n\nChannel 0: gotcha.\n\nChannel 1: and she will tell me if I will need to see what I need to have done beforehand before she starts. The\n\nChannel 0: Yeah.\n\nChannel 1: receptionist\n\nChannel 0: Perfect.\n\nChannel 1: said, don't go to a dentist first. Get her to look at it and tell you exactly what needs to be done.\n\nChannel 0: So then your\n\nChannel 1: Don't\n\nChannel 0: two avenues\n\nChannel 1: waste your\n\nChannel 0: there\n\nChannel 1: money.\n\nChannel 0: is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it. Yep.\n\nChannel 1: Okay.\n\nChannel 0: My\n\nChannel 1: Yeah.\n\nChannel 0: warning\n\nChannel 1: No\n\nChannel 0: as\n\nChannel 1: problem.\n\nChannel 0: usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be\n\nChannel 1: Yes.\n\nChannel 0: careful. But can definitely help you through the process there, and it is pretty straightforward. You get the two people signing off, goes to the ATO with the quote and the sign off. They give\n\nChannel 1: Yep.\n\nChannel 0: you an approval, give that to the fund, and they go, no worries.\n\nChannel 1: Cool.\n\nChannel 0: K?\n\nChannel 1: Yeah.\n\nChannel 0: So that's all lined up for July onwards. Like, obviously, we can't do it right now. You'll have to go through the appointments and everything first, but I just wanted to give you a bit of info and see if I could help.\n\nChannel 1: Yep. Thanks for that.\n\nChannel 0: No worries at all.\n\nChannel 1: Yeah. It's a lot lot to deal with.\n\nChannel 0: Yeah. Look. It's like never ending. Hey?\n\nChannel 1: Nope. So the knee, I know it'd be painful recovery because I've been\n\nChannel 0: Yeah.\n\nChannel 1: through one, so I know exactly\n\nChannel 0: Yep.\n\nChannel 1: what I'm up for. But I can bend mine, no problems, without physio. Like, I had physio seven weeks in. I'll start\n\nChannel 0: Yeah.\n\nChannel 1: a physio. And he was just amazed. And I took no. I took hardly any and don't. Where everybody\n\nChannel 0: Well, there you\n\nChannel 1: takes\n\nChannel 0: go.\n\nChannel 1: lots and lots of you know, I've got a high pain threshold.\n\nChannel 0: Yeah. You've been through it before. Right?\n\nChannel 1: I've been through it for years with with pain. So I'll I'll I'll daily pain.\n\nChannel 0: Yeah.\n\nChannel 1: But it's just getting to the stage where it's too much where my back's killing me, everything.\n\nChannel 0: Yeah. And that's part of that. Like, again, when they talk about the legislation for compassionate release of super, it's things like preventing onset of acute pain and things like that where it's kind of urgent.\n\nChannel 1: Yeah. Yeah. I know. The pain's there nonstop, and\n\nChannel 0: Yeah.\n\nChannel 1: it stopped me\n\nChannel 0: Yeah.\n\nChannel 1: from doing so much.\n\nChannel 0: Absolutely.\n\nChannel 1: But there's no life.\n\nChannel 0: And\n\nChannel 1: And\n\nChannel 0: that's the\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: like\n\nChannel 0: is\n\nChannel 1: going\n\nChannel 0: you can't\n\nChannel 1: out.\n\nChannel 0: work\n\nChannel 1: I like\n\nChannel 0: around.\n\nChannel 1: yeah. I love going out dancing, and I can't dance now. One dance and\n\nChannel 0: Yeah.\n\nChannel 1: that'll be it. Yeah. I love my music. Music's\n\nChannel 0: Yeah. And you gotta have those things. Makes\n\nChannel 1: life.\n\nChannel 0: everything a little bit easier.\n\nChannel 1: Yeah. Oh, well, that's good. I've got that information written down. I'll work through that, and I'll actually get my partner to work through that and I and probably his brother because his brother pretty clueless with the tax stuff and so is my partner.\n\nChannel 0: Yeah. Cool. So\n\nChannel 1: Let's\n\nChannel 0: I'll\n\nChannel 1: see. My\n\nChannel 0: have\n\nChannel 1: partner\n\nChannel 0: a quick\n\nChannel 1: is\n\nChannel 0: chat\n\nChannel 1: with\n\nChannel 0: to\n\nChannel 1: my partner is with HOP twenty four as well.\n\nChannel 0: yep. Oh, really? He's he's not a client of ours, though, is he?\n\nChannel 1: I don't know. I don't know if he's with you\n\nChannel 0: Would\n\nChannel 1: guys as\n\nChannel 0: you\n\nChannel 1: well.\n\nChannel 0: be the same surname?\n\nChannel 1: No. Actually, no. He put me on to you, so he would be one of your customers' clients.\n\nChannel 0: Oh, what's\n\nChannel 1: And\n\nChannel 0: His name?\n\nChannel 1: Craig Rossington, and he's got a middle name and I can't remember that.\n\nChannel 0: And is that with an r? Craig?\n\nChannel 1: Yeah. R o, s s, I n g t o n.\n\nChannel 0: I don't have Craig Rossington. He may have actually gone through one of the other firms because there was definitely a whole bunch of firms talking to you guys for a little while there, so may have gone to one of the other ones. If at any point you wanna send him our way to have a bit of a chat, more than happy to.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: He's actually he he was on a conference call the other week with America\n\nChannel 0: no way.\n\nChannel 1: on a on a Teams call. And, yeah, he said he's just he's put me on to you because he's just grown. He's and he hasn't really been working much lately, and he's got, like, 300,000 in there now. And, yeah, he put me on to you guys.\n\nChannel 0: Yeah. I think one of the brilliant things with this HubSupra is they just have so many options. There's, like, 1,300 options. There's some really good investments in there. And\n\nChannel 1: Yeah.\n\nChannel 0: if you pick the right ones, you get some good growth out of it. Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on. So we're not gonna put\n\nChannel 1: Yes.\n\nChannel 0: you in the highest risk thing possible, but\n\nChannel 1: No.\n\nChannel 0: we were\n\nChannel 1: He's\n\nChannel 0: trying to\n\nChannel 1: four\n\nChannel 0: go a bit more growth\n\nChannel 1: he's\n\nChannel 0: focused.\n\nChannel 1: yeah. He's four years younger than me. So, you know,\n\nChannel 0: Yeah.\n\nChannel 1: he's got a little bit longer to go.\n\nChannel 0: Absolutely. Yeah. Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him. But if he's being looked after, that's excellent too. But\n\nChannel 1: Yep.\n\nChannel 0: the offer's always there.\n\nChannel 1: Beautiful. Thank you for that.\n\nChannel 0: Cool. So I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that\n\nChannel 1: Yep.\n\nChannel 0: once payroll's back, you'll have a chat to them around June to try and start that in the July.\n\nChannel 1: Mhmm.\n\nChannel 0: And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in. But, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: that gives you a bit of a a direction on what to do.\n\nChannel 1: Yep. Thanks for that. Yeah. It's it's a lot to think of, but\n\nChannel 0: It is one thing\n\nChannel 1: I'll\n\nChannel 0: at a time. One thing at a time. We try and chop\n\nChannel 1: get\n\nChannel 0: it into bite sized pieces, and we just try\n\nChannel 1: there.\n\nChannel 0: and tick off one at a time.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: Awesome, Libby. Do you have any questions for me at this point?\n\nChannel 1: Nope. I'm fine for now. Thank you so much.\n\nChannel 0: You are most welcome anytime at all, but I do hope you have a fantastic\n\nChannel 1: And\n\nChannel 0: week. I hope\n\nChannel 1: you too?\n\nChannel 0: everything gets better health wise because that's the most important thing, and that can be the most annoying. And\n\nChannel 1: Yes.\n\nChannel 0: if you do have any questions, call, text, email. Happy to help.\n\nChannel 1: Beautiful. Thank you so much.\n\nChannel 0: Alright, Libby. You have a fantastic day, mate.\n\nChannel 1: And you too. Alright.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: K. Bye.","paragraphs":[{"sentences":[{"text":"Hey,","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.06036536768078804}],"sentiment":"neutral","sentiment_score":0.06036536768078804,"channel":0,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hello.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.06794507801532745},{"text":"Speaking.","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.061382144689559937}],"sentiment":"neutral","sentiment_score":0.0646636113524437,"channel":1,"num_words":2,"start":0.56,"end":1.46},{"sentences":[{"text":"Libby.","start":2.3999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.10866376757621764},{"text":"It's Tommy here, senior adviser from overview.","start":2.6399999,"end":4.72,"sentiment":"neutral","sentiment_score":0.11056404135056905},{"text":"How are you going?","start":4.72,"end":5.54,"sentiment":"neutral","sentiment_score":0.18914612382650375}],"sentiment":"neutral","sentiment_score":0.13659971269468466,"channel":0,"num_words":12,"start":2.3999999,"end":5.54},{"sentences":[{"text":"I'm good.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.4693157225847244},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"positive","sentiment_score":0.3671807646751404}],"sentiment":"positive","sentiment_score":0.408034747838974,"channel":1,"num_words":5,"start":5.6,"end":6.98},{"sentences":[{"text":"I'm living the dream.","start":7.12,"end":8.0,"sentiment":"positive","sentiment_score":0.6561790555715561},{"text":"It's been a fantastic evening.","start":8.0,"end":9.36,"sentiment":"positive","sentiment_score":0.7457335710525512},{"text":"What about yours?","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.3325251241525014}],"sentiment":"positive","sentiment_score":0.6125799541672071,"channel":0,"num_words":12,"start":7.12,"end":10.26},{"sentences":[{"text":"Don't know yet.","start":11.679999,"end":12.58,"sentiment":"neutral","sentiment_score":-0.032089571158091225}],"sentiment":"neutral","sentiment_score":-0.032089571158091225,"channel":1,"num_words":3,"start":11.679999,"end":12.58},{"sentences":[{"text":"Done","start":12.415,"end":12.915,"sentiment":"neutral","sentiment_score":-0.08573772013187408}],"sentiment":"neutral","sentiment_score":-0.08573772013187408,"channel":0,"num_words":1,"start":12.415,"end":12.915},{"sentences":[{"text":"I don't know about","start":12.639999,"end":13.28,"sentiment":"neutral","sentiment_score":-0.10526786930859089}],"sentiment":"neutral","sentiment_score":-0.10526786930859089,"channel":1,"num_words":4,"start":12.639999,"end":13.28},{"sentences":[{"text":"all","start":13.215,"end":13.455,"sentiment":"neutral","sentiment_score":-0.08224958181381226}],"sentiment":"neutral","sentiment_score":-0.08224958181381226,"channel":0,"num_words":1,"start":13.215,"end":13.455},{"sentences":[{"text":"my evening","start":13.28,"end":13.679999,"sentiment":"neutral","sentiment_score":-0.06436792761087418}],"sentiment":"neutral","sentiment_score":-0.06436792761087418,"channel":1,"num_words":2,"start":13.28,"end":13.679999},{"sentences":[{"text":"year.","start":13.455,"end":13.955,"sentiment":"neutral","sentiment_score":-0.04291755333542824}],"sentiment":"neutral","sentiment_score":-0.04291755333542824,"channel":0,"num_words":1,"start":13.455,"end":13.955},{"sentences":[{"text":"yet.","start":13.679999,"end":13.92,"sentiment":"neutral","sentiment_score":-0.04880369454622269},{"text":"The day was busy.","start":13.92,"end":14.88,"sentiment":"neutral","sentiment_score":-0.12625699676573277},{"text":"Yes.","start":14.88,"end":15.195,"sentiment":"neutral","sentiment_score":0.027874309569597244}],"sentiment":"neutral","sentiment_score":-0.08765956200659275,"channel":1,"num_words":6,"start":13.679999,"end":15.195},{"sentences":[{"text":"Busy day, but the evening's still young.","start":15.775001,"end":17.795,"sentiment":"neutral","sentiment_score":0.04630594540919576},{"text":"Fantastic.","start":20.095001,"end":20.595001,"sentiment":"positive","sentiment_score":0.5674892663955688},{"text":"I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals","start":20.735,"end":25.314999,"sentiment":"neutral","sentiment_score":0.26081513334065676}],"sentiment":"neutral","sentiment_score":0.21102804240460196,"channel":0,"num_words":24,"start":15.775001,"end":25.314999},{"sentences":[{"text":"Absolutely.","start":25.275,"end":25.775,"sentiment":"neutral","sentiment_score":0.25721579790115356}],"sentiment":"neutral","sentiment_score":0.25721579790115356,"channel":1,"num_words":1,"start":25.275,"end":25.775},{"sentences":[{"text":"from super.","start":25.455,"end":26.175,"sentiment":"neutral","sentiment_score":0.2582174092531204},{"text":"Do you still have","start":26.175,"end":26.814999,"sentiment":"neutral","sentiment_score":0.02575110225006938}],"sentiment":"neutral","sentiment_score":0.1032398712510864,"channel":0,"num_words":6,"start":25.455,"end":26.814999},{"sentences":[{"text":"Mhmm.","start":26.794998,"end":27.294998,"sentiment":"neutral","sentiment_score":0.02296321466565132}],"sentiment":"neutral","sentiment_score":0.02296321466565132,"channel":1,"num_words":1,"start":26.794998,"end":27.294998},{"sentences":[{"text":"some time for me?","start":26.814999,"end":27.81,"sentiment":"neutral","sentiment_score":0.020961927715688944}],"sentiment":"neutral","sentiment_score":0.020961927715688944,"channel":0,"num_words":4,"start":26.814999,"end":27.81},{"sentences":[{"text":"Yeah.","start":28.314999,"end":28.555,"sentiment":"neutral","sentiment_score":0.07110762596130371},{"text":"I do.","start":28.555,"end":29.01,"sentiment":"neutral","sentiment_score":0.11869551241397858}],"sentiment":"neutral","sentiment_score":0.10283288359642029,"channel":1,"num_words":3,"start":28.314999,"end":29.01},{"sentences":[{"text":"Perfect.","start":29.49,"end":29.97,"sentiment":"neutral","sentiment_score":0.3126887083053589},{"text":"Before I jump into it, usual process now that you're a client of Oakview.","start":29.97,"end":33.43,"sentiment":"neutral","sentiment_score":0.08505902878407921},{"text":"We do record the calls for training and quality.","start":34.37,"end":36.85,"sentiment":"neutral","sentiment_score":0.07100760812560718},{"text":"Is that okay?","start":36.85,"end":37.75,"sentiment":"neutral","sentiment_score":0.07580480724573135}],"sentiment":"neutral","sentiment_score":0.08777770393148616,"channel":0,"num_words":27,"start":29.49,"end":37.75},{"sentences":[{"text":"Yeah.","start":38.45,"end":38.69,"sentiment":"neutral","sentiment_score":0.060486871749162674},{"text":"Sure.","start":38.69,"end":39.19,"sentiment":"neutral","sentiment_score":0.11936705559492113}],"sentiment":"neutral","sentiment_score":0.08992696367204189,"channel":1,"num_words":2,"start":38.45,"end":39.19},{"sentences":[{"text":"Perfect.","start":39.489998,"end":39.989998,"sentiment":"neutral","sentiment_score":0.2078075408935547},{"text":"And we don't have, like, a security question on file, and I know it's you.","start":40.225,"end":43.504997,"sentiment":"neutral","sentiment_score":0.04031072581807772},{"text":"I have spoken to you before.","start":43.504997,"end":44.965,"sentiment":"neutral","sentiment_score":0.030965449288487434},{"text":"But just for the security of your information, could I please confirm your date of birth and address?","start":45.105,"end":49.925,"sentiment":"neutral","sentiment_score":0.028089846898284223}],"sentiment":"neutral","sentiment_score":0.037596959201619026,"channel":0,"num_words":40,"start":39.489998,"end":49.925},{"sentences":[{"text":"Mhmm.","start":50.465,"end":50.625,"sentiment":"neutral","sentiment_score":0.009013282135128977},{"text":"Nineteen two sixty five, unit one, four Tyson Way, Sydney three zero three seven.","start":50.625,"end":56.469997,"sentiment":"neutral","sentiment_score":0.024022723880729506}],"sentiment":"neutral","sentiment_score":0.023022094431022804,"channel":1,"num_words":15,"start":50.465,"end":56.469997},{"sentences":[{"text":"You aced it.","start":56.640003,"end":57.2,"sentiment":"positive","sentiment_score":0.45810921986897785},{"text":"Thank you so much, Natalie.","start":57.2,"end":58.4,"sentiment":"positive","sentiment_score":0.6646970629692077},{"text":"Appreciate that.","start":58.4,"end":59.620003,"sentiment":"positive","sentiment_score":0.582485169172287},{"text":"Now,","start":60.72,"end":60.960003,"sentiment":"neutral","sentiment_score":0.05388942360877991}],"sentiment":"positive","sentiment_score":0.5378793396733024,"channel":0,"num_words":11,"start":56.640003,"end":60.960003},{"sentences":[{"text":"Yep.","start":60.93,"end":61.43,"sentiment":"neutral","sentiment_score":0.028634168207645416}],"sentiment":"neutral","sentiment_score":0.028634168207645416,"channel":1,"num_words":1,"start":60.93,"end":61.43},{"sentences":[{"text":"mate, I wanted to go through a couple of things with you.","start":60.960003,"end":63.280003,"sentiment":"neutral","sentiment_score":-0.006737295227746169},{"text":"There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and","start":63.280003,"end":71.445,"sentiment":"neutral","sentiment_score":-0.06462245115212031}],"sentiment":"neutral","sentiment_score":-0.047256904374808076,"channel":0,"num_words":40,"start":60.960003,"end":71.445},{"sentences":[{"text":"Yep.","start":71.445,"end":71.945,"sentiment":"neutral","sentiment_score":-0.04760203883051872}],"sentiment":"neutral","sentiment_score":-0.04760203883051872,"channel":1,"num_words":1,"start":71.445,"end":71.945},{"sentences":[{"text":"also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you.","start":71.665,"end":76.965,"sentiment":"neutral","sentiment_score":-0.10736498569971636},{"text":"Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after 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time.","start":978.52496,"end":979.005,"sentiment":"neutral","sentiment_score":0.08392188449700673},{"text":"One thing at a time.","start":979.005,"end":979.725,"sentiment":"neutral","sentiment_score":0.07147208973765373},{"text":"We try and chop","start":979.725,"end":980.445,"sentiment":"neutral","sentiment_score":0.07395366579294205}],"sentiment":"neutral","sentiment_score":0.07541173044592142,"channel":0,"num_words":12,"start":978.52496,"end":980.445},{"sentences":[{"text":"get","start":980.235,"end":980.735,"sentiment":"neutral","sentiment_score":0.07560411840677261}],"sentiment":"neutral","sentiment_score":0.07560411840677261,"channel":1,"num_words":1,"start":980.235,"end":980.735},{"sentences":[{"text":"it into bite sized pieces, and we just try","start":980.445,"end":982.20496,"sentiment":"neutral","sentiment_score":0.0776322450902727}],"sentiment":"neutral","sentiment_score":0.0776322450902727,"channel":0,"num_words":9,"start":980.445,"end":982.20496},{"sentences":[{"text":"there.","start":982.055,"end":982.555,"sentiment":"neutral","sentiment_score":0.08807416260242462}],"sentiment":"neutral","sentiment_score":0.08807416260242462,"channel":1,"num_words":1,"start":982.055,"end":982.555},{"sentences":[{"text":"and tick off one at a time.","start":982.20496,"end":983.58496,"sentiment":"neutral","sentiment_score":0.06157560007912772}],"sentiment":"neutral","sentiment_score":0.06157560007912772,"channel":0,"num_words":7,"start":982.20496,"end":983.58496},{"sentences":[{"text":"Yep.","start":983.875,"end":984.375,"sentiment":"neutral","sentiment_score":0.0948268175125122},{"text":"Exactly.","start":984.515,"end":985.015,"sentiment":"neutral","sentiment_score":0.23747847974300385}],"sentiment":"neutral","sentiment_score":0.16615264862775803,"channel":1,"num_words":2,"start":983.875,"end":985.015},{"sentences":[{"text":"Awesome, Libby.","start":985.82,"end":986.46,"sentiment":"positive","sentiment_score":0.4616521894931793},{"text":"Do you have any questions for me at this point?","start":986.46,"end":988.16,"sentiment":"neutral","sentiment_score":0.14805299043655396}],"sentiment":"neutral","sentiment_score":0.20031952361265817,"channel":0,"num_words":12,"start":985.82,"end":988.16},{"sentences":[{"text":"Nope.","start":988.35504,"end":988.85504,"sentiment":"neutral","sentiment_score":0.06452813744544983},{"text":"I'm fine for now.","start":989.23505,"end":990.455,"sentiment":"neutral","sentiment_score":0.13152610138058662},{"text":"Thank you so much.","start":990.755,"end":991.89,"sentiment":"positive","sentiment_score":0.5558667480945587}],"sentiment":"neutral","sentiment_score":0.312677726149559,"channel":1,"num_words":9,"start":988.35504,"end":991.89},{"sentences":[{"text":"You are most welcome anytime at all, but I do hope you have a fantastic","start":992.46,"end":996.8,"sentiment":"positive","sentiment_score":0.49963821371396383}],"sentiment":"positive","sentiment_score":0.49963821371396383,"channel":0,"num_words":15,"start":992.46,"end":996.8},{"sentences":[{"text":"And","start":996.37,"end":996.87,"sentiment":"positive","sentiment_score":0.36302703619003296}],"sentiment":"positive","sentiment_score":0.36302703619003296,"channel":1,"num_words":1,"start":996.37,"end":996.87},{"sentences":[{"text":"week.","start":997.02,"end":997.5,"sentiment":"positive","sentiment_score":0.3556244969367981},{"text":"I hope","start":997.5,"end":998.16,"sentiment":"positive","sentiment_score":0.3404030501842499}],"sentiment":"positive","sentiment_score":0.3454768657684326,"channel":0,"num_words":3,"start":997.02,"end":998.16},{"sentences":[{"text":"you too?","start":998.05,"end":998.71,"sentiment":"neutral","sentiment_score":0.17659208178520203}],"sentiment":"neutral","sentiment_score":0.17659208178520203,"channel":1,"num_words":2,"start":998.05,"end":998.71},{"sentences":[{"text":"everything gets better health wise because that's the most important thing, and that can be the most annoying.","start":999.135,"end":1003.875,"sentiment":"neutral","sentiment_score":0.18838337394926283},{"text":"And","start":1004.255,"end":1004.755,"sentiment":"neutral","sentiment_score":0.15217623114585876}],"sentiment":"neutral","sentiment_score":0.18647773485434682,"channel":0,"num_words":19,"start":999.135,"end":1004.755},{"sentences":[{"text":"Yes.","start":1004.45,"end":1004.95,"sentiment":"neutral","sentiment_score":0.1760561466217041}],"sentiment":"neutral","sentiment_score":0.1760561466217041,"channel":1,"num_words":1,"start":1004.45,"end":1004.95},{"sentences":[{"text":"if you do have any questions, call, text, email.","start":1005.375,"end":1008.17505,"sentiment":"neutral","sentiment_score":0.18635749485757616},{"text":"Happy to help.","start":1008.17505,"end":1009.0109,"sentiment":"positive","sentiment_score":0.6760332385698954}],"sentiment":"neutral","sentiment_score":0.308776430785656,"channel":0,"num_words":12,"start":1005.375,"end":1009.0109},{"sentences":[{"text":"Beautiful.","start":1009.515,"end":1009.995,"sentiment":"positive","sentiment_score":0.817726731300354},{"text":"Thank you so much.","start":1009.995,"end":1011.135,"sentiment":"positive","sentiment_score":0.8555745035409927}],"sentiment":"positive","sentiment_score":0.848004949092865,"channel":1,"num_words":5,"start":1009.515,"end":1011.135},{"sentences":[{"text":"Alright, Libby.","start":1011.5709,"end":1012.1309,"sentiment":"positive","sentiment_score":0.6609174609184265},{"text":"You have a fantastic day, mate.","start":1012.1309,"end":1013.6709,"sentiment":"positive","sentiment_score":0.8219799796740214}],"sentiment":"positive","sentiment_score":0.7817143499851227,"channel":0,"num_words":8,"start":1011.5709,"end":1013.6709},{"sentences":[{"text":"And you too.","start":1013.675,"end":1014.575,"sentiment":"positive","sentiment_score":0.6553511420885721},{"text":"Alright.","start":1014.635,"end":1015.135,"sentiment":"positive","sentiment_score":0.360927939414978}],"sentiment":"positive","sentiment_score":0.5817453414201736,"channel":1,"num_words":4,"start":1013.675,"end":1015.135},{"sentences":[{"text":"Thank you.","start":1015.1709,"end":1015.8109,"sentiment":"positive","sentiment_score":0.6531952023506165},{"text":"Bye.","start":1015.8109,"end":1016.3109,"sentiment":"neutral","sentiment_score":0.3065078854560852}],"sentiment":"positive","sentiment_score":0.5376327633857727,"channel":0,"num_words":3,"start":1015.1709,"end":1016.3109},{"sentences":[{"text":"K.","start":1016.235,"end":1016.635,"sentiment":"neutral","sentiment_score":0.10596197098493576},{"text":"Bye.","start":1016.635,"end":1017.135,"sentiment":"neutral","sentiment_score":-0.11026597023010254}],"sentiment":"neutral","sentiment_score":-0.0021519996225833893,"channel":1,"num_words":2,"start":1016.235,"end":1017.135}]},"summary":{"result":"success","short":"Representatives from Oakview discuss retirement contributions and retirement contributions to clients' pensions. They explain that retirement contributions will be put in before tax and that pension contributions will be put in after tax. The process of making payments is explained, including setting up salary adjustments and waiting for the end of a month. The conversation ends with pleasantries and information about potential appointments."},"intents":{"segments":[{"text":"I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals Absolutely. from super.","start_word":58,"end_word":76,"intents":[{"intent":"Discuss pension strategy and potential withdrawals","confidence_score":0.20669626}]},{"text":"So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account. Okay.","start_word":320,"end_word":371,"intents":[{"intent":"Clarify super contributions","confidence_score":0.019604342}]},{"text":"Any chance I can keep get that into my account for the May '1, please? Yes.","start_word":1006,"end_word":1021,"intents":[{"intent":"Manage account transactions","confidence_score":0.0005741888}]},{"text":"Do you have, by any chance, a quote from the dentist? Not yet.","start_word":1552,"end_word":1564,"intents":[{"intent":"Request dental quote","confidence_score":0.21466163}]},{"text":"Basically, the information that that they need is you go through, like, a dentist. They say, hey. You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it. Okay.","start_word":1681,"end_word":1729,"intents":[{"intent":"Inform","confidence_score":0.0024947436},{"intent":"Sign off","confidence_score":0.62223834},{"intent":"Get sign off","confidence_score":0.0005080973},{"intent":"Set up","confidence_score":0.0151782865},{"intent":"Get advice","confidence_score":0.00064041297}]},{"text":"that to the super fund, and the super fund can release that amount to pay for it. Okay.","start_word":1796,"end_word":1813,"intents":[{"intent":"Pay for dental","confidence_score":0.00013668789}]},{"text":"So then your Don't two avenues waste your there money. is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it. Yep.","start_word":1946,"end_word":1991,"intents":[{"intent":"Waste money","confidence_score":0.021610212}]},{"text":"usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be Yes. careful.","start_word":1999,"end_word":2035,"intents":[{"intent":"Recall","confidence_score":0.000103986844}]},{"text":"careful.","start_word":2035,"end_word":2035,"intents":[{"intent":"Play good","confidence_score":6.426876e-7}]},{"text":"But can definitely help you through the process there, and it is pretty straightforward. You get the two people signing off, goes to the ATO with the quote and the sign off. They give Yep. you an approval, give that to the fund, and they go, no worries. Cool.","start_word":2037,"end_word":2085,"intents":[{"intent":"Inform about process","confidence_score":0.0012977623}]},{"text":"I think one of the brilliant things with this HubSupra is they just have so many options. There's, like, 1,300 options. There's some really good investments in there.","start_word":2674,"end_word":2701,"intents":[{"intent":"Discuss options","confidence_score":0.18273616}]},{"text":"Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on.","start_word":2717,"end_word":2735,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.25533536}]},{"text":"Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him. But if he's being looked after, that's excellent too. But Yep.","start_word":2785,"end_word":2820,"intents":[{"intent":"Discuss with ophi","confidence_score":0.03695769},{"intent":"Discuss with ophi","confidence_score":0.57392156},{"intent":"Discuss with ophi","confidence_score":0.5987364}]},{"text":"Thank you for that. Cool.","start_word":2826,"end_word":2830,"intents":[{"intent":"Express gratitude","confidence_score":0.00834773}]},{"text":"So I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that Yep. once payroll's back, you'll have a chat to them around June to try and start that in the July.","start_word":2831,"end_word":2872,"intents":[{"intent":"Organize payment","confidence_score":0.00032880864}]},{"text":"And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in. But, hopefully, Yep. that gives you a bit of a a direction on what to do. Yep.","start_word":2874,"end_word":2916,"intents":[{"intent":"Discuss dentist and knee appointments","confidence_score":0.030649357}]},{"text":"Do you have any questions for me at this point? Nope.","start_word":2968,"end_word":2978,"intents":[{"intent":"Answer questions","confidence_score":0.04033882}]}]},"sentiments":{"segments":[{"text":"Hey, Hello. Speaking. Libby. It's Tommy here, senior adviser from overview. How are you going?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.11529845744371414},{"text":"I'm good. How are you? I'm living the dream. It's been a fantastic evening. What about yours?","start_word":15,"end_word":31,"sentiment":"positive","sentiment_score":0.5601366758346558},{"text":"Don't know yet. Done I don't know about all my evening year. yet. The day was busy. Yes. Busy day, but the evening's still young.","start_word":32,"end_word":56,"sentiment":"neutral","sentiment_score":-0.03352322801947594},{"text":"Fantastic.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.5674892663955688},{"text":"I'm just giving you a quick buzz to go over your pension strategy and potential withdrawals Absolutely. from super. Do you still have Mhmm. some time for me? Yeah. I do. Perfect. Before I jump into it, usual process now that you're a client of Oakview. We do record the calls for training and quality. Is that okay? Yeah. Sure. Perfect. And we don't have, like, a security question on file, and I know it's you. I have spoken to you before. But just for the security of your information, could I please confirm your date of birth and address? Mhmm. Nineteen two sixty five, unit one, four Tyson Way, Sydney three zero three seven.","start_word":58,"end_word":172,"sentiment":"neutral","sentiment_score":0.08589930087327957},{"text":"You aced it. Thank you so much, Natalie. Appreciate that.","start_word":173,"end_word":182,"sentiment":"positive","sentiment_score":0.57683926820755},{"text":"Now, Yep. mate, I wanted to go through a couple of things with you. There was a bit of a mention to the team about some sort of knee surgery, dental issues that you might wanna draw down some super from, and Yep. also just some hesitancy around the contribution strategy, which I was thinking of sort of clearing up with you. Do you mind if I just start with the strategy first and then kind of take into account the withdrawals after that? Mhmm. I Yep. can kind of point you in the right direction. Sure. Jack mentioned that you're a bit worried about salary sacrificing a full on I can't 200 what and 80 you six guys a suggested week.","start_word":183,"end_word":304,"sentiment":"neutral","sentiment_score":-0.08445409685373306},{"text":"is a no no. I can't do that much. That's a no no.","start_word":305,"end_word":317,"sentiment":"negative","sentiment_score":-0.4996870756149292},{"text":"Yeah. So one of the things that I wanted to clear up just to make sure we're on the same page with it is the amounts to put in the super from work, they're supposed to match up with the amounts that we're pulling out of the super from your pension account. Okay. So what the kind of idea is is when you put that money into super with salary sacrifice, it goes in before tax. So let's just use the example. $2.86 goes in, and it'll cost you about a 198 in the pocket because of the 15% tax difference compared to what you get taxed through work. Does that make sense? No.","start_word":318,"end_word":431,"sentiment":"neutral","sentiment_score":0.1557991047830958},{"text":"I'm not very good at this stuff, but I'll try and work that out.","start_word":432,"end_word":445,"sentiment":"negative","sentiment_score":-0.4046157002449035},{"text":"Yeah? That's okay. So when you get your pay, they'll take out income tax out of it.","start_word":446,"end_word":462,"sentiment":"neutral","sentiment_score":0.19612129032611847},{"text":"But if you salary sacrifice to your super, it's a lot less tax that comes out.","start_word":463,"end_word":478,"sentiment":"positive","sentiment_score":0.34959185123443604},{"text":"Okay. So what that means is you can put $2.86 in, and it only cost you $200.","start_word":479,"end_word":495,"sentiment":"neutral","sentiment_score":0.318920373916626},{"text":"And then the idea was that we would pull $202 out of your pension account to top you up. And then that Save. that 80 Yep. 6 can go in to sort of boost your super up.","start_word":496,"end_word":532,"sentiment":"positive","sentiment_score":0.3896994888782501},{"text":"So hold on. Let me just try and get a pen and paper here. That's Yeah. alright. Absolutely. Okay. So let me write this down. So you are so we but before before yes. Yep. So before tax, if your work puts in $286, Yeah? It's 86 Support not? I think we had that set to, I guess, the equivalent of weekly. You pay fortnightly. Mhmm. Yeah. So that's Yes. a that's a big whack. So let me just get the exact figures for you just so it makes perfect sense. So we go $2.86 and fortnightly. So it'd be 572 a fortnight goes in. Right. Now because that goes in before you get taxed, it costs you $3.88 out of your pay packet for that 574 to go in. So I put in $3.88, so I lose $398. Is that correct? Correct. So first For my half of great the strategy weight. is you lose 388 out of your pay for 570 to go in. With me so far? Yep. Hold on. Let me just see. $5.70. The $5.70 is monthly. Yes? That's fortnightly. So $5.70 goes in fortnightly, and that'll cost you that $3.88 in the pay on the fortnightly. And then Right. the pension account gives you $405 a fortnight out of your super. Yes. May Five. Yep. 5. So it costs you $3.88. You get 405, so you're technically, like, $15 ahead, but that Mhmm. extra $160 of tax difference goes inside your super and stays there. Okay. K? Now because of the way pension payments work, it's set to a monthly payment, and you'll Yes. set up for I think you may have gotten the first one at the April, and the next one set up for the May 30. Yes. Okay. I know I know it went in and I went, oh, where's that come from? And Yeah. Yeah. Yeah. but at because it was in my account, but actually, at the moment, I I can actually use it because I've got ties to get. I've got service. And I've got Reggio coming up. Yay.","start_word":533,"end_word":883,"sentiment":"neutral","sentiment_score":0.04696592809818154},{"text":"My favorite time of year is service and rego time.","start_word":884,"end_word":893,"sentiment":"positive","sentiment_score":0.37335512042045593},{"text":"Absolutely. Well, this is my last service where where I've got my car from because they they they actually tried to cheat me. But Yep. I I I worked them out last time. I said, nope. In my contract, it was set for three years. It wasn't going up. Oh, let me check. Oh, yeah. You're right. I told another Oh, girl that was sitting there waiting for hers to be serviced, and I told her oh the same. Just oh, thanks for that. I'm gonna check up on that. my. Yeah.","start_word":894,"end_word":985,"sentiment":"neutral","sentiment_score":-0.05589195713400841},{"text":"Perfect.","start_word":986,"end_word":986,"sentiment":"positive","sentiment_score":0.43025410175323486},{"text":"So would it be helpful for that that next payment to come out in May? That's another $8. 90. Any chance I can keep get that into my account for the May '1, please? Yes.","start_word":987,"end_word":1020,"sentiment":"neutral","sentiment_score":0.1411018704666811},{"text":"Because that would just help me with the rego.","start_word":1021,"end_word":1029,"sentiment":"positive","sentiment_score":0.4015738070011139},{"text":"If that's if that's helpful for you, we can let Absolutely the the main ridiculous. one can pop out. And then if you're okay with it, we can start that recontribution in June. Okay. Now K. I'm going to have to work the all that out from my on my with my wages and all that, and I'll get back to you on that anyway. Yeah.","start_word":1030,"end_word":1095,"sentiment":"neutral","sentiment_score":0.1923312544822693},{"text":"Perfect.","start_word":1096,"end_word":1096,"sentiment":"positive","sentiment_score":0.4594825506210327},{"text":"And it is just you chat to payroll and say, look. I've got an advice from my adviser to try and salary sacrifice this amount per fortnight and to line it up in June or July or whenever is comfortable for you because Yep. this is something that we're gonna do for a few years. So a couple of months is not gonna break it. Yep. A Yep. year Yep. of that would really deplete your super, but two months is fine. Okay. Yeah. She's but she's on holidays too, so it's till the end of the month. So when she comes back, I'll speak to her because That's I don't perfect. know the other line. Yeah. Yeah. So if we let that May one come out, the next one Yep. won't be till the June 30 anyway. So that gives it basically a month to try and set that up with work. And then, hopefully, you only have that one fortnight where you get the less pay, and then all of a sudden, $890 comes out boom into your bank account a few days later. Okay. Cool. Yep.","start_word":1097,"end_word":1285,"sentiment":"neutral","sentiment_score":0.03290505334734917},{"text":"Cool.","start_word":1286,"end_word":1286,"sentiment":"positive","sentiment_score":0.3379780650138855},{"text":"So if you wanna line Yep. that up in a way that's comfortable for your cash flow, work that out with payroll. And if you, you know, if you get them to start doing it in the July or something, or that's okay too. Yep. Okay. Yep. Cool? Now Yep. when it comes to the dental and the knee surgery, what's going on? What's happening? I need What do a new you need? replacement. That's Jeez. my second one. I already had one done. I need the other one done. And do they do do they put it through the the public health system, or do you have to go private? What's what's happening? I'll probably go private this time. Last time I was public, but Yeah. Wasn't good experience? it was okay, but I'm I have to ring I've gotta ring into searching tomorrow to try and make an appointment with him because I haven't seen this one before. Yep. So I need to sort all that out with him.","start_word":1287,"end_word":1457,"sentiment":"neutral","sentiment_score":-0.002101356958785252},{"text":"And, yeah, I need some plates, and my my teeth are wrecked.","start_word":1458,"end_word":1469,"sentiment":"negative","sentiment_score":-0.3416544198989868},{"text":"I had lap band surgery, and it affects the teeth, which I wasn't Oh, aware of. yeah. That's that can happen. I've heard of that a couple of times. Yes. I'll tell you what.","start_word":1470,"end_word":1503,"sentiment":"neutral","sentiment_score":-0.24877600371837616},{"text":"I would not recommend it again. It's from the No. being sick. It's asset from being sick.","start_word":1504,"end_word":1520,"sentiment":"negative","sentiment_score":-0.5798285007476807},{"text":"Yeah.","start_word":1521,"end_word":1521,"sentiment":"neutral","sentiment_score":-0.3084561228752136},{"text":"The stomach acid coming up.","start_word":1522,"end_word":1526,"sentiment":"negative","sentiment_score":-0.4416922926902771},{"text":"Yeah. Yep. That's I the one thought that'll it was do it.","start_word":1527,"end_word":1538,"sentiment":"neutral","sentiment_score":-0.28014546632766724},{"text":"it was the the least invasive surgery, but it's not worth it.","start_word":1539,"end_word":1550,"sentiment":"negative","sentiment_score":-0.5463722348213196},{"text":"Do you have, by any chance, a quote from the dentist? Not yet. No. She went on maternity leave. Oh, as everyone does, everyone's I going to leave at the same time. know. But she's back early July, so I already got an appointment set up with her. Cool. So one So bit of she'll information tell that me I can what give needs you to be done and how much it is. Because I'm I'm even thinking, like, get one through the super fund, and the other one I Yep. see, whichever is let's get a loan out. A personal Yeah. loan. Yep. Gotcha. Just refinance So my loan. I've just gone through a couple of compassionate releases for dental with a couple of clients recently. Yep. Basically, the information that that they need is you go through, like, a dentist. They say, hey. You need this, and it goes through, generally speaking, to maybe, like, an orthopedic specialist or someone like that because the ATO needs two medical professionals to sign off on it. Okay. So I'll give you an example. We we had one kid there.","start_word":1551,"end_word":1739,"sentiment":"neutral","sentiment_score":-0.039292550630985745},{"text":"Parent took super out for the child's dental because all their their baby teeth were getting destroyed, and that's gonna impact the adult teeth underneath.","start_word":1740,"end_word":1764,"sentiment":"negative","sentiment_score":-0.3556141257286072},{"text":"The dentist signed off on it, and the specialist signed off on it, and that's all they needed to go to the ATO to get the release. They give Yes. that to the super fund, and the super fund can release that amount to pay for it. Okay. It'll be a similar thing with, like, the knee surgery. Like, if you go to a GP and the GP says, hey. You need to go sort your knee out, and the specialist says, hey. It's gonna cost you $5 to get this knee replacement or whatever it is, then you could potentially have that specialist and the GP signing off on that one. Yeah. But with Of the course with the plates, I I'm seeing the actual lady that makes the plate first, gotcha. and she will tell me if I will need to see what I need to have done beforehand before she starts. The Yeah. receptionist Perfect. said, don't go to a dentist first. Get her to look at it and tell you exactly what needs to be done.","start_word":1765,"end_word":1944,"sentiment":"neutral","sentiment_score":-0.07018934935331345},{"text":"So then your Don't two avenues waste your there money.","start_word":1945,"end_word":1954,"sentiment":"negative","sentiment_score":-0.3768987953662872},{"text":"is you go to her first, and then if she's ok'd it and you still wanna do the release, go to the dentist or the GP, whoever's gonna be comfortable to sign off on it. Yep. Okay. My Yeah. warning No as problem.","start_word":1955,"end_word":1997,"sentiment":"neutral","sentiment_score":-0.06129787117242813},{"text":"usual is if you if you take out a big chunk of your super for the dental and the knee and wipe out half of it, obviously, that's gonna impact your retirement, so please be Yes.","start_word":1998,"end_word":2033,"sentiment":"negative","sentiment_score":-0.4067356288433075},{"text":"careful.","start_word":2034,"end_word":2034,"sentiment":"neutral","sentiment_score":-0.2919575572013855},{"text":"But can definitely help you through the process there, and it is pretty straightforward.","start_word":2035,"end_word":2048,"sentiment":"positive","sentiment_score":0.5459591150283813},{"text":"You get the two people signing off, goes to the ATO with the quote and the sign off. They give Yep. you an approval, give that to the fund, and they go, no worries. Cool. K? Yeah. So that's all lined up for July onwards. Like, obviously, we can't do it right now. You'll have to go through the appointments and everything first, but I just wanted to give you a bit of info and see if I could help. Yep.","start_word":2049,"end_word":2129,"sentiment":"neutral","sentiment_score":0.17829233407974243},{"text":"Thanks for that.","start_word":2130,"end_word":2132,"sentiment":"positive","sentiment_score":0.5391766428947449},{"text":"No worries at all. Yeah. It's a lot lot to deal with. Yeah. Look. It's like never ending. Hey? Nope. So the knee, I know it'd be painful recovery because I've been Yeah. through one, so I know Yep. exactly what I'm up for. But I can bend mine, no problems, without physio. Like, I had physio seven weeks in. I'll start Yeah. a physio. And he was just amazed. And I took no. I took hardly any and don't. Where everybody Well, there you takes go. lots and lots of you know, I've got a high pain threshold. Yeah. You've been through it before. Right? I've been through it for years with with pain. So I'll I'll I'll daily pain. Yeah. But it's just getting to the stage where it's too much where my back's killing me, everything. Yeah. And that's part of that. Like, again, when they talk about the legislation for compassionate release of super, it's things like preventing onset of acute pain and things like that where it's kind of urgent. Yeah. Yeah. I know. The pain's there nonstop, and Yeah. it stopped me Yeah. from doing so much. Absolutely. But there's no life. And And that's the I thing like is going you can't out. work I like around. yeah. I love going out dancing, and I can't dance now. One dance and Yeah. that'll be it.","start_word":2133,"end_word":2364,"sentiment":"neutral","sentiment_score":-0.12204839289188384},{"text":"Yeah. I love my music. Music's Yeah. And you gotta have those things. Makes life. everything a little bit easier. Yeah. Oh, well, that's good. I've got that information written down.","start_word":2365,"end_word":2395,"sentiment":"positive","sentiment_score":0.5994001626968384},{"text":"I'll work through that, and I'll actually get my partner to work through that and I and probably his brother because his brother pretty clueless with the tax stuff and so is my partner. Yeah. Cool. So Let's I'll see. My have partner a quick is chat with to my partner is with HOP twenty four as well. yep. Oh, really? He's he's not a client of ours, though, is he? I don't know. I don't know if he's with you Would guys as you well. be the same surname? No. Actually, no. He put me on to you, so he would be one of your customers' clients. Oh, what's And His name? Craig Rossington, and he's got a middle name and I can't remember that. And is that with an r? Craig? Yeah. R o, s s, I n g t o n. I don't have Craig Rossington. He may have actually gone through one of the other firms because there was definitely a whole bunch of firms talking to you guys for a little while there, so may have gone to one of the other ones. If at any point you wanna send him our way to have a bit of a chat, more than happy to. Yeah. But He's actually he he was on a conference call the other week with America no way. on a on a Teams call. And, yeah, he said he's just he's put me on to you because he's just grown. He's and he hasn't really been working much lately, and he's got, like, 300,000 in there now. And, yeah, he put me on to you guys. Yeah.","start_word":2396,"end_word":2671,"sentiment":"neutral","sentiment_score":0.0062369657680392265},{"text":"I think one of the brilliant things with this HubSupra is they just have so many options. There's, like, 1,300 options. There's some really good investments in there. And Yeah. if you pick the right ones, you get some good growth out of it.","start_word":2672,"end_word":2715,"sentiment":"positive","sentiment_score":0.6225368976593018},{"text":"Again, we didn't wanna go too risky with yours because of your retirement goals and age and so on. So we're not gonna put Yes. you in the highest risk thing possible, but No. we were He's trying to four go a bit more growth he's focused. yeah. He's four years younger than me. So, you know, Yeah. he's got a little bit longer to go. Absolutely. Yeah. Well, if he ever wants to talk to Ophi, because I know there's a few connected advice firms, more than happy to chat to him. But if he's being looked after, that's excellent too. But Yep. the offer's always there.","start_word":2716,"end_word":2823,"sentiment":"neutral","sentiment_score":0.08361952751874924},{"text":"Beautiful. Thank you for that. Cool.","start_word":2824,"end_word":2829,"sentiment":"positive","sentiment_score":0.6133686900138855},{"text":"So I'll put in some notes to Jack and the implementation team that will just let that May payment come out, that Yep. once payroll's back, you'll have a chat to them around June to try and start that in the July. Mhmm. And then once you've gone through your appointments for the dentist and the knee, if you need any information, you can always just call back in. But, hopefully, Yep. that gives you a bit of a a direction on what to do. Yep.","start_word":2830,"end_word":2915,"sentiment":"neutral","sentiment_score":0.09787539392709732},{"text":"Thanks for that.","start_word":2916,"end_word":2918,"sentiment":"positive","sentiment_score":0.34711313247680664},{"text":"Yeah. It's it's a lot to think of, but It is one thing I'll at a time. One thing at a time. We try and chop get it into bite sized pieces, and we just try there. and tick off one at a time. Yep. Exactly.","start_word":2919,"end_word":2964,"sentiment":"neutral","sentiment_score":0.08088092505931854},{"text":"Awesome, Libby.","start_word":2965,"end_word":2966,"sentiment":"positive","sentiment_score":0.4438488483428955},{"text":"Do you have any questions for me at this point? Nope. I'm fine for now.","start_word":2967,"end_word":2981,"sentiment":"neutral","sentiment_score":0.1318565309047699},{"text":"Thank you so much. You are most welcome anytime at all, but I do hope you have a fantastic And week.","start_word":2982,"end_word":3002,"sentiment":"positive","sentiment_score":0.48906806111335754},{"text":"I hope you too? everything gets better health wise because that's the most important thing, and that can be the most annoying. And Yes. if you do have any questions, call, text, email.","start_word":3003,"end_word":3035,"sentiment":"neutral","sentiment_score":0.19491251716108032},{"text":"Happy to help. Beautiful. Thank you so much. Alright, Libby. You have a fantastic day, mate. And you too. Alright. Thank you.","start_word":3036,"end_word":3057,"sentiment":"positive","sentiment_score":0.7068604230880737},{"text":"Bye. K. Bye.","start_word":3058,"end_word":3060,"sentiment":"neutral","sentiment_score":0.1927749216556549}],"average":{"sentiment":"neutral","sentiment_score":0.037358152929062215}}}}