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I had you booked in just for a really quick catch up this morning after you did your application with Jack the other day. Is now still a good time for you? Yep. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. K. Oh, that's alright. Is that a bit better? Yeah. Okay. Perfect. Now I do also have a password on file for you for security. Do you know what that might be? Yes. Beautiful. Now, Sharon, I have just sent you an email just with an updated insurance SOA. The only reason is that when you did your application with Jack, you mentioned to him that on occasion, you smoke a little bit of weed every now and then. Is that correct? Yep. It's not really too, like, too big of a deal, but it will mean that all the insurers will classify you as a smoker for insurance purposes. So yeah. So what it means is that the premium does become quite a bit more expensive. So I did wanted to run through them with you. And, ultimately, it is completely up to you. So this is just for your life and trauma. Now for a 100,000, which is what we were looking at before, before the premium was a $101.28 per month. Now it's a $173.38 per month. No. I have also done the 50,000 for you to show you because I know last time we were tossing up between a 150. Just so you have the information, 50,000 will be $87.95 per month. It is up to you. Do you know what? It is better, though. It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not want. So as much as it kind of sucks, I am glad that you were being honest. So it is up to you. Correct. Yes. Most likely. Yes. It was it was limited. Yes. During this thing, it is up to you what we could do because you've already gone through the application. Oh, yeah. Yes. It's a lot. Oh, yeah. So it's up to you. We could always submit the application. What it means, it goes through underwriting, though. And after the underwriting assessment, that's when they will give us the the definite answer. So they yes. We can do that. Now would you like us to put the 50 or the 100? Yep. Yes. Mhmm. Yeah. Sorry. There are a lot of things you are covered for, but the the main ones we typically see claims on is different type of cancers. It will be stroke, heart attack, neurological condition through so, basically, yeah, if you get any of those, it will then be be paid out. Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you, there is before you click on the link where it says sign now, I have included a PDF. So that is the product disclosure statement. Now that gives you everything that you do need to know about the Zurich policy. And let me just find you exactly the page to make it easier, and it actually lists exactly every because every insurer does it a little bit differently, and it actually lists every single thing you are covered for. So let me just see if I can find you this, then you can have a bit of a bit of a read over all the the stuff as well. Yes. Definitely. Because what would happen is if we go with a 100 and then you tell me, do you know what? Exactly. So if you even if you tell me, do you know what? It's getting a little bit little bit expensive. Let's do 90. Let's do 80. Let's do 70. It's a quick form because they're sure they're happy. They take less risk. Okay. Yes. We'll see. Yep. Yep. No. That's okay, Sharon. And in order for me to just go ahead with it, though, I will just need you to sign the document. But the only change is the the premium. That is it. And as soon as that that comes through, I will let Jack know, and we can submit that application for you. Yep. That's okay. No problem. We'll speak soon. You too. 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morning, Sharon. This is Veronica from OQ Financial. How are you? Good. Thanks.\n\nI had you booked in just for a really quick catch up this morning after you did your application with Jack the other day. Is now still a good time for you? Yep. Alright. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. K. Oh, that's alright. Is that a bit better? Yeah.\n\nOkay. Perfect. Now I do also have a password on file for you for security. Do you know what that might be? Yes.\n\nBeautiful. Now, Sharon, I have just sent you an email just with an updated insurance SOA. The only reason is that when you did your application with Jack, you mentioned to him that on occasion, you smoke a little bit of weed every now and then. Is that correct? Yep.\n\nIt's not really too, like, too big of a deal, but it will mean that all the insurers will classify you as a smoker for insurance purposes. So yeah. So what it means is that the premium does become quite a bit more expensive. So I did wanted to run through them with you. And, ultimately, it is completely up to you.\n\nSo this is just for your life and trauma. Now for a 100,000, which is what we were looking at before, before the premium was a $101.28 per month. Now it's a $173.38 per month. No. I have also done the 50,000 for you to show you because I know last time we were tossing up between a 150.\n\nJust so you have the information, 50,000 will be $87.95 per month. It is up to you. Do you know what? It is better, though. It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not want.\n\nSo as much as it kind of sucks, I am glad that you were being honest. So it is up to you. Correct. Yes. Most likely.\n\nYes. It was it was limited. Yes. During this thing, it is up to you what we could do because you've already gone through the application. Oh, yeah.\n\nYes. It's a lot. Oh, yeah. So it's up to you. We could always submit the application.\n\nWhat it means, it goes through underwriting, though. And after the underwriting assessment, that's when they will give us the the definite answer. So they yes. We can do that. Now would you like us to put the 50 or the 100?\n\nYep. Yes. Mhmm. Yeah. Sorry.\n\nThere are a lot of things you are covered for, but the the main ones we typically see claims on is different type of cancers. It will be stroke, heart attack, neurological condition through so, basically, yeah, if you get any of those, it will then be be paid out. Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you, there is before you click on the link where it says sign now, I have included a PDF. So that is the product disclosure statement. Now that gives you everything that you do need to know about the Zurich policy.\n\nAnd let me just find you exactly the page to make it easier, and it actually lists exactly every because every insurer does it a little bit differently, and it actually lists every single thing you are covered for. So let me just see if I can find you this, then you can have a bit of a bit of a read over all the the stuff as well. Yes. Definitely. Because what would happen is if we go with a 100 and then you tell me, do you know what?\n\nExactly. So if you even if you tell me, do you know what? It's getting a little bit little bit expensive. Let's do 90. Let's do 80.\n\nLet's do 70. It's a quick form because they're sure they're happy. They take less risk. Okay. Yes.\n\nWe'll see. Yep. Yep. No. That's okay, Sharon.\n\nAnd in order for me to just go ahead with it, though, I will just need you to sign the document. But the only change is the the premium. That is it. And as soon as that that comes through, I will let Jack know, and we can submit that application for you. Yep.\n\nThat's okay. No problem. We'll speak soon. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Sharon.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.31894633173942566},{"text":"This is Veronica from OQ Financial.","start":5.12,"end":7.14,"sentiment":"neutral","sentiment_score":0.2816938708225886},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.24309520423412323},{"text":"Good.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.4244586229324341},{"text":"Thanks.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.5338500738143921}],"sentiment":"neutral","sentiment_score":0.30961403782878605,"num_words":14,"start":4.08,"end":11.219999},{"sentences":[{"text":"I had you booked in just for a really quick catch up this morning after you did your application with Jack the other day.","start":12.255,"end":19.395,"sentiment":"neutral","sentiment_score":0.30170120174686116},{"text":"Is now still a good time for 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alright.","start":35.12,"end":36.16,"sentiment":"neutral","sentiment_score":0.04887911429007848},{"text":"Is that a bit better?","start":36.16,"end":37.379997,"sentiment":"neutral","sentiment_score":0.06471498683094978},{"text":"Yeah.","start":38.745,"end":39.065,"sentiment":"neutral","sentiment_score":0.060981057584285736}],"sentiment":"neutral","sentiment_score":0.026169638889722336,"num_words":39,"start":24.72,"end":39.065},{"sentences":[{"text":"Okay.","start":39.065,"end":39.565,"sentiment":"neutral","sentiment_score":0.10969292372465134},{"text":"Perfect.","start":39.625,"end":40.125,"sentiment":"neutral","sentiment_score":0.23744039237499237},{"text":"Now I do also have a password on file for you for security.","start":41.465,"end":44.585,"sentiment":"neutral","sentiment_score":0.09608413852178134},{"text":"Do you know what that might 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correct?","start":69.845,"end":70.745,"sentiment":"neutral","sentiment_score":-0.0004656718422969182},{"text":"Yep.","start":71.285,"end":71.785,"sentiment":"neutral","sentiment_score":-0.07084760069847107}],"sentiment":"neutral","sentiment_score":0.0009785358980298042,"num_words":50,"start":48.825,"end":71.785},{"sentences":[{"text":"It's not really too, like, too big of a deal, but it will mean that all the insurers will classify you as a smoker for insurance purposes.","start":74.885,"end":83.729996,"sentiment":"neutral","sentiment_score":-0.21884822845458984},{"text":"So yeah.","start":84.67,"end":86.42999,"sentiment":"neutral","sentiment_score":-0.14499089866876602},{"text":"So what it means is that the premium does become quite a bit more expensive.","start":86.42999,"end":90.369995,"sentiment":"neutral","sentiment_score":-0.25117560823758445},{"text":"So I did wanted to run through them with you.","start":90.525,"end":93.105,"sentiment":"neutral","sentiment_score":-0.08268072120845318},{"text":"And, ultimately, it is completely up to you.","start":97.645004,"end":100.285,"sentiment":"neutral","sentiment_score":-0.23912124149501324}],"sentiment":"neutral","sentiment_score":-0.20494024569709454,"num_words":62,"start":74.885,"end":100.285},{"sentences":[{"text":"So this is just for your life and trauma.","start":100.285,"end":103.265,"sentiment":"neutral","sentiment_score":-0.3238685843017366},{"text":"Now for a 100,000, which is what we were looking at before, before the premium was a $101.28 per month.","start":104.06,"end":114.4,"sentiment":"neutral","sentiment_score":0.016480838088318704},{"text":"Now it's a $173.38 per month.","start":115.5,"end":119.355,"sentiment":"neutral","sentiment_score":0.001994804944843054},{"text":"No.","start":121.355,"end":121.855,"sentiment":"neutral","sentiment_score":-0.11697635799646378},{"text":"I have also done the 50,000 for you to show you because I know last time we were tossing up between a 150.","start":122.235,"end":129.77501,"sentiment":"neutral","sentiment_score":-0.0377402169144024}],"sentiment":"neutral","sentiment_score":-0.06030903414081214,"num_words":59,"start":100.285,"end":129.77501},{"sentences":[{"text":"Just so you have the information, 50,000 will be $87.95 per month.","start":132.33,"end":138.51,"sentiment":"neutral","sentiment_score":0.009972630456710855},{"text":"It is up to you.","start":145.22499,"end":146.525,"sentiment":"neutral","sentiment_score":-0.03285434544086456},{"text":"Do you know what?","start":147.94499,"end":148.665,"sentiment":"neutral","sentiment_score":-0.028152446262538433},{"text":"It is better, though.","start":148.665,"end":149.885,"sentiment":"neutral","sentiment_score":0.02492174692451954},{"text":"It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not want.","start":149.94499,"end":164.59999,"sentiment":"neutral","sentiment_score":0.10574158568245669}],"sentiment":"neutral","sentiment_score":0.06874072813263087,"num_words":73,"start":132.33,"end":164.59999},{"sentences":[{"text":"So as much as it kind of sucks, I am glad that you were being honest.","start":164.73999,"end":168.76,"sentiment":"neutral","sentiment_score":-0.05543634563218802},{"text":"So it is up to you.","start":171.38,"end":173.16,"sentiment":"neutral","sentiment_score":0.07946941629052162},{"text":"Correct.","start":180.075,"end":180.575,"sentiment":"neutral","sentiment_score":-0.0533711239695549},{"text":"Yes.","start":181.03499,"end":181.53499,"sentiment":"neutral","sentiment_score":0.015119699761271477},{"text":"Most 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yeah.","start":212.20999,"end":212.93,"sentiment":"negative","sentiment_score":-0.3632087707519531}],"sentiment":"neutral","sentiment_score":-0.008762191515415907,"num_words":28,"start":194.65,"end":212.93},{"sentences":[{"text":"Yes.","start":212.93,"end":213.43,"sentiment":"neutral","sentiment_score":-0.1730246543884277},{"text":"It's a lot.","start":215.25,"end":217.06999,"sentiment":"negative","sentiment_score":-0.4075851043065389},{"text":"Oh, yeah.","start":217.40999,"end":217.98999,"sentiment":"neutral","sentiment_score":0.005065977573394775},{"text":"So it's up to you.","start":219.25,"end":220.61,"sentiment":"neutral","sentiment_score":0.12826979011297227},{"text":"We could always submit the application.","start":220.61,"end":222.39,"sentiment":"neutral","sentiment_score":0.17391730099916458}],"sentiment":"neutral","sentiment_score":0.01760027908227023,"num_words":17,"start":212.93,"end":222.39},{"sentences":[{"text":"What it means, it goes through underwriting, though.","start":223.25,"end":225.90999,"sentiment":"neutral","sentiment_score":0.03529150038957596},{"text":"And after the underwriting assessment, that's when they will give us the the definite answer.","start":226.425,"end":232.205,"sentiment":"neutral","sentiment_score":0.013316478828589122},{"text":"So they yes.","start":232.745,"end":238.125,"sentiment":"neutral","sentiment_score":0.11078635354836781},{"text":"We can do that.","start":238.265,"end":239.145,"sentiment":"neutral","sentiment_score":0.1748478151857853},{"text":"Now would you like us to put the 50 or the 100?","start":239.145,"end":244.25,"sentiment":"neutral","sentiment_score":0.05106232423956195}],"sentiment":"neutral","sentiment_score":0.05063279518591506,"num_words":42,"start":223.25,"end":244.25},{"sentences":[{"text":"Yep.","start":250.55,"end":251.05,"sentiment":"neutral","sentiment_score":0.05296739563345909},{"text":"Yes.","start":260.165,"end":260.665,"sentiment":"neutral","sentiment_score":-0.017369236797094345},{"text":"Mhmm.","start":263.125,"end":263.625,"sentiment":"neutral","sentiment_score":-0.08503962308168411},{"text":"Yeah.","start":266.02,"end":266.26,"sentiment":"neutral","sentiment_score":-0.04223047196865082},{"text":"Sorry.","start":266.26,"end":266.76,"sentiment":"neutral","sentiment_score":-0.14489571750164032}],"sentiment":"neutral","sentiment_score":-0.0473135307431221,"num_words":5,"start":250.55,"end":266.76},{"sentences":[{"text":"There are a lot of things you are covered for, but the the main ones we typically see claims on is different type of cancers.","start":267.3,"end":276.28,"sentiment":"neutral","sentiment_score":-0.07730138376355171},{"text":"It will be stroke, heart attack, neurological condition through so, basically, yeah, if you get any of those, it will then be be paid out.","start":277.54,"end":288.655,"sentiment":"neutral","sentiment_score":0.03780048593878746},{"text":"Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you, there is before you click on the link where it says sign now, I have included a PDF.","start":288.875,"end":304.90002,"sentiment":"neutral","sentiment_score":0.10118935587392612},{"text":"So that is the product disclosure statement.","start":305.04,"end":307.06,"sentiment":"neutral","sentiment_score":0.10134063448224749},{"text":"Now that gives you everything that you do need to know about the Zurich 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happen is if we go with a 100 and then you tell me, do you know what?","start":338.945,"end":343.045,"sentiment":"neutral","sentiment_score":0.00885947779752314}],"sentiment":"neutral","sentiment_score":0.03475301407768831,"num_words":91,"start":313.815,"end":343.045},{"sentences":[{"text":"Exactly.","start":343.665,"end":344.14502,"sentiment":"neutral","sentiment_score":0.0011824059765785933},{"text":"So if you even if you tell me, do you know what?","start":344.14502,"end":345.58502,"sentiment":"neutral","sentiment_score":-0.012633546177918712},{"text":"It's getting a little bit little bit expensive.","start":345.58502,"end":347.345,"sentiment":"neutral","sentiment_score":-0.12587687093764544},{"text":"Let's do 90.","start":347.345,"end":348.385,"sentiment":"neutral","sentiment_score":-0.008997869367400805},{"text":"Let's do 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Sharon speaking. I'm good. Thank you. How are you? Yep. Yeah. That's fine. Yep. Yep. That's fine. You're cutting out a little bit there. Yes. Yeah. PositivityOneStar. Yes. Yes. Bloody hell. Alrighty. Okay. Yeah. How much more expensive? I can I'm getting to the point where I'm just not gonna bother. Yep. Yep. Yep. Yep. Yeah. No. No. That's why too much. Yeah. Okay. Okay. Oh, gosh. See what you get to being honest. Yeah. Right. Yeah. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. So it so the thing is it doesn't include breast or cervical cancer anyway, so they've already ruled that out. Yeah. I'm just wondering whether I'm better off just waiting and what because I'm only, like, five or six years down the track. I think when we get to ten, it's probably a bit better, isn't it? As far as insurers are concerned. Because I did only have the one option. I think it was Zurich. We're the only ones, weren't they? Yep. Yeah. Which is painful. So it's painful because it just makes me realize memories that I don't wanna remember. Okay. Or let's go let's go down that tracking on. It gives me a bit of time to think about it. Okay. 50 or 100. Yeah. Yeah. I'll go I'm gonna go with the with the 50, I think. Oh, gosh. I don't know. A 170 month. A 170 a month to a 100 k, assuming something terrible happened. So when you say trauma, life and trauma, so trauma could be what? What does that Yeah. Yep. Yep. Yep. Yeah. Okay. Right. So am I better off going with the 100 and decreasing it as opposed to going 50 and increasing it, aren't I? Have to go through this thing again. We can yeah. Let's I think we'll I think I'll do that. Yep. Alright. Put it through at a 100, and when it comes back with the final dollars, I can yeah. Just start from there, and we'll, yep, go from there. Alright. Thanks, Veronica. Sure. Yep. Okay. Alright. Okay. Great. Thank you. Alright. Thanks very much. Have a good day. 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honest.","start":144.81,"end":146.43001,"sentiment":"neutral","sentiment_score":-0.020708684410367693},{"text":"Yeah.","start":163.94499,"end":164.265,"sentiment":"neutral","sentiment_score":-0.0790010541677475},{"text":"Right.","start":164.265,"end":164.765,"sentiment":"neutral","sentiment_score":-0.005833089351654053},{"text":"Yeah.","start":165.145,"end":165.645,"sentiment":"neutral","sentiment_score":-0.03853440284729004},{"text":"Yeah.","start":166.905,"end":166.985,"sentiment":"neutral","sentiment_score":-0.11684129387140274}],"sentiment":"neutral","sentiment_score":-0.03501551191915165,"num_words":11,"start":144.81,"end":166.985},{"sentences":[{"text":"Yeah.","start":166.985,"end":167.065,"sentiment":"neutral","sentiment_score":0.003124471753835678},{"text":"Yeah.","start":167.065,"end":167.565,"sentiment":"neutral","sentiment_score":0.12585493922233582},{"text":"Yeah.","start":168.745,"end":169.245,"sentiment":"neutral","sentiment_score":0.09505383670330048},{"text":"Alright.","start":172.37,"end":172.87,"sentiment":"neutral","sentiment_score":0.10204266011714937},{"text":"Yeah.","start":174.69,"end":175.09,"sentiment":"neutral","sentiment_score":0.02803339436650276}],"sentiment":"neutral","sentiment_score":0.07082186043262481,"num_words":5,"start":166.985,"end":175.09},{"sentences":[{"text":"So it so the thing is it doesn't include breast or cervical cancer anyway, so they've already ruled that out.","start":175.09,"end":180.71,"sentiment":"neutral","sentiment_score":-0.0744330121204257},{"text":"Yeah.","start":183.17,"end":183.615,"sentiment":"neutral","sentiment_score":-0.002205796539783478},{"text":"I'm just wondering whether I'm better off just waiting and what because I'm only, like, five or six years down the track.","start":184.975,"end":191.375,"sentiment":"neutral","sentiment_score":-0.11746055734428493},{"text":"I think when we get to ten, it's probably a bit better, isn't it?","start":191.375,"end":196.02,"sentiment":"neutral","sentiment_score":-0.02172697115955608},{"text":"As far as insurers are concerned.","start":196.18001,"end":198.34001,"sentiment":"neutral","sentiment_score":-0.08248715661466122}],"sentiment":"neutral","sentiment_score":-0.07736664819752886,"num_words":63,"start":175.09,"end":198.34001},{"sentences":[{"text":"Because I did only have the one option.","start":198.34001,"end":200.2,"sentiment":"neutral","sentiment_score":-0.0995653048157692},{"text":"I think it was Zurich.","start":200.5,"end":201.38,"sentiment":"neutral","sentiment_score":-0.057261064648628235},{"text":"We're the only ones, weren't they?","start":201.38,"end":203.0,"sentiment":"neutral","sentiment_score":-0.0836147628724575},{"text":"Yep.","start":209.86,"end":210.26001,"sentiment":"neutral","sentiment_score":0.06917873024940491},{"text":"Yeah.","start":210.26001,"end":210.66,"sentiment":"neutral","sentiment_score":0.01996290124952793}],"sentiment":"neutral","sentiment_score":-0.07120831940500509,"num_words":21,"start":198.34001,"end":210.66},{"sentences":[{"text":"Which is painful.","start":210.66,"end":211.64,"sentiment":"negative","sentiment_score":-0.6558198928833008},{"text":"So it's painful because it just makes me realize memories that I don't wanna remember.","start":213.135,"end":216.995,"sentiment":"negative","sentiment_score":-0.5106085916360219},{"text":"Okay.","start":232.91,"end":233.31,"sentiment":"neutral","sentiment_score":0.08723171055316925},{"text":"Or let's go let's go down that tracking on.","start":233.31,"end":235.39,"sentiment":"neutral","sentiment_score":0.13873061703311074},{"text":"It gives me a bit of time to think about it.","start":235.39,"end":237.33,"sentiment":"neutral","sentiment_score":0.12779727984558453}],"sentiment":"neutral","sentiment_score":-0.17653874900096503,"num_words":39,"start":210.66,"end":237.33},{"sentences":[{"text":"Okay.","start":238.565,"end":239.065,"sentiment":"neutral","sentiment_score":0.17416927218437195},{"text":"50 or 100.","start":241.52501,"end":242.585,"sentiment":"neutral","sentiment_score":0.05608125030994415},{"text":"Yeah.","start":245.845,"end":246.16501,"sentiment":"neutral","sentiment_score":0.06393427401781082},{"text":"Yeah.","start":246.16501,"end":246.405,"sentiment":"neutral","sentiment_score":0.08140915632247925},{"text":"I'll go I'm gonna go with the with the 50, I think.","start":246.405,"end":250.505,"sentiment":"neutral","sentiment_score":0.10097614179054896}],"sentiment":"neutral","sentiment_score":0.09441500860783789,"num_words":18,"start":238.565,"end":250.505},{"sentences":[{"text":"Oh, gosh.","start":250.565,"end":251.205,"sentiment":"neutral","sentiment_score":-0.026301061734557152},{"text":"I don't know.","start":251.205,"end":251.765,"sentiment":"neutral","sentiment_score":-0.14847266674041748},{"text":"A 170 month.","start":251.765,"end":253.08,"sentiment":"neutral","sentiment_score":-0.10230263570944469},{"text":"A 170 a month to a 100 k, assuming something terrible happened.","start":253.16,"end":258.36002,"sentiment":"neutral","sentiment_score":-0.17017334202925363},{"text":"So when you say trauma, life and trauma, so trauma could be what?","start":258.36002,"end":264.44,"sentiment":"neutral","sentiment_score":-0.08072071207257417}],"sentiment":"neutral","sentiment_score":-0.11807204218524875,"num_words":33,"start":250.565,"end":264.44},{"sentences":[{"text":"What does that Yeah.","start":264.44,"end":282.53,"sentiment":"neutral","sentiment_score":-0.029763666912913322},{"text":"Yep.","start":297.965,"end":298.465,"sentiment":"neutral","sentiment_score":0.10919453948736192},{"text":"Yep.","start":307.325,"end":307.825,"sentiment":"neutral","sentiment_score":0.16085407137870789},{"text":"Yep.","start":313.84,"end":314.34,"sentiment":"neutral","sentiment_score":-0.014303787611424925},{"text":"Yeah.","start":322.4,"end":322.71997,"sentiment":"neutral","sentiment_score":0.035249486565589905}],"sentiment":"neutral","sentiment_score":0.021492455271072686,"num_words":8,"start":264.44,"end":322.71997},{"sentences":[{"text":"Okay.","start":322.71997,"end":323.085,"sentiment":"neutral","sentiment_score":0.0664924681186676},{"text":"Right.","start":326.685,"end":327.185,"sentiment":"neutral","sentiment_score":0.023799963295459747},{"text":"So am I better off going with the 100 and decreasing it as opposed to going 50 and increasing it, aren't I?","start":331.645,"end":337.905,"sentiment":"neutral","sentiment_score":-0.04525977919216861},{"text":"Have to go through this thing again.","start":341.71002,"end":350.83002,"sentiment":"neutral","sentiment_score":0.001646543453846659},{"text":"We can yeah.","start":350.83002,"end":353.04498,"sentiment":"neutral","sentiment_score":0.10655401398738225}],"sentiment":"neutral","sentiment_score":-0.01688926072572084,"num_words":34,"start":322.71997,"end":353.04498},{"sentences":[{"text":"Let's I think we'll I think I'll do that.","start":353.04498,"end":355.625,"sentiment":"neutral","sentiment_score":0.07333024673991734},{"text":"Yep.","start":356.565,"end":357.065,"sentiment":"neutral","sentiment_score":0.10039006173610689},{"text":"Alright.","start":357.60498,"end":357.925,"sentiment":"neutral","sentiment_score":0.1256391704082489},{"text":"Put it through at a 100, and when it comes back with the final dollars, I can yeah.","start":357.925,"end":362.88498,"sentiment":"neutral","sentiment_score":0.08056156771878402},{"text":"Just start from there, and we'll, yep, go from there.","start":362.88498,"end":364.805,"sentiment":"neutral","sentiment_score":0.05028248578310013}],"sentiment":"neutral","sentiment_score":0.07279319306596732,"num_words":39,"start":353.04498,"end":364.805},{"sentences":[{"text":"Alright.","start":364.805,"end":365.205,"sentiment":"neutral","sentiment_score":0.1883258819580078},{"text":"Thanks, Veronica.","start":365.205,"end":366.025,"sentiment":"neutral","sentiment_score":0.24848167598247528},{"text":"Sure.","start":374.64,"end":375.14,"sentiment":"neutral","sentiment_score":0.09615429490804672},{"text":"Yep.","start":375.36,"end":375.84,"sentiment":"neutral","sentiment_score":0.0962209329009056},{"text":"Okay.","start":375.84,"end":376.34,"sentiment":"neutral","sentiment_score":0.1128125786781311}],"sentiment":"neutral","sentiment_score":0.16507950673500696,"num_words":6,"start":364.805,"end":376.34},{"sentences":[{"text":"Alright.","start":376.88,"end":377.38,"sentiment":"neutral","sentiment_score":0.14962531626224518},{"text":"Okay.","start":382.935,"end":383.415,"sentiment":"neutral","sentiment_score":0.3005135655403137},{"text":"Great.","start":383.415,"end":383.815,"sentiment":"positive","sentiment_score":0.6088363528251648},{"text":"Thank you.","start":383.815,"end":384.635,"sentiment":"positive","sentiment_score":0.5295493006706238},{"text":"Alright.","start":384.695,"end":385.17502,"sentiment":"positive","sentiment_score":0.3349526524543762}],"sentiment":"positive","sentiment_score":0.4088377480705579,"num_words":6,"start":376.88,"end":385.17502},{"sentences":[{"text":"Thanks very much.","start":385.17502,"end":386.23502,"sentiment":"positive","sentiment_score":0.5218743681907654},{"text":"Have a good day.","start":386.935,"end":387.995,"sentiment":"positive","sentiment_score":0.4816400557756424},{"text":"Bye.","start":388.295,"end":388.795,"sentiment":"neutral","sentiment_score":0.24638167023658752}],"sentiment":"positive","sentiment_score":0.46732062473893166,"num_words":8,"start":385.17502,"end":388.795}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Sharon speaking.\n\nChannel 0: Good morning, Sharon. This is Veronica from OQ Financial. How are you?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: Good. Thanks. I had you booked in just for a really quick catch up this morning after you did your application with Jack the other day. Is now still a good time for\n\nChannel 1: Yep.\n\nChannel 0: you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Alright. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine. You're cutting out a\n\nChannel 0: K.\n\nChannel 1: little bit there.\n\nChannel 0: Oh, that's alright. Is that a bit better?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect. Now I do also have a password on file for you for security. Do you know what that might be?\n\nChannel 1: Yeah. PositivityOneStar.\n\nChannel 0: Yes. Beautiful. Now, Sharon, I have just sent you an email just with an updated insurance SOA. The only reason is that when you did your application with Jack, you mentioned to him that on occasion, you smoke a little bit of weed every now and then. Is\n\nChannel 1: Yes.\n\nChannel 0: that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Bloody\n\nChannel 0: It's not really too, like, too big of a deal,\n\nChannel 1: hell.\n\nChannel 0: but it will mean that all the insurers will classify you as a smoker\n\nChannel 1: Alrighty.\n\nChannel 0: for insurance purposes. So yeah. So what it means is that the premium does become quite a bit more expensive. So I did wanted\n\nChannel 1: Okay.\n\nChannel 0: to run through them\n\nChannel 1: Yeah.\n\nChannel 0: with you.\n\nChannel 1: How much more expensive? I can I'm getting to the point where I'm just not gonna bother.\n\nChannel 0: And, ultimately, it is completely up to you. So\n\nChannel 1: Yep.\n\nChannel 0: this\n\nChannel 1: Yep.\n\nChannel 0: is just for your life and trauma.\n\nChannel 1: Yep.\n\nChannel 0: Now for a 100,000, which is what we were looking at before, before the premium was a $101.28 per month.\n\nChannel 1: Yep.\n\nChannel 0: Now it's a $173.38\n\nChannel 1: Yeah.\n\nChannel 0: per\n\nChannel 1: No.\n\nChannel 0: month.\n\nChannel 1: No. That's why too much.\n\nChannel 0: No. I have also done the 50,000 for you to show you because I know last time we were tossing up between a 150.\n\nChannel 1: Yeah.\n\nChannel 0: Just so you have the information, 50,000 will be $87.95 per month.\n\nChannel 1: Okay. Okay. Oh, gosh. See what you\n\nChannel 0: It\n\nChannel 1: get\n\nChannel 0: is\n\nChannel 1: to being\n\nChannel 0: up to\n\nChannel 1: honest.\n\nChannel 0: you. Do you know what? It is better, though. It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not\n\nChannel 1: Yeah.\n\nChannel 0: want.\n\nChannel 1: Right.\n\nChannel 0: So as\n\nChannel 1: Yeah.\n\nChannel 0: much as it kind of sucks, I am\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: glad that you were being honest.\n\nChannel 1: Yeah.\n\nChannel 0: So it is up\n\nChannel 1: Alright.\n\nChannel 0: to you.\n\nChannel 1: Yeah. So it so the thing is it doesn't include breast or cervical cancer anyway, so they've already ruled that\n\nChannel 0: Correct.\n\nChannel 1: out.\n\nChannel 0: Yes. Most likely.\n\nChannel 1: Yeah. I'm just wondering whether I'm better off just waiting and what because I'm only, like, five or six years down the track. I think when we get to ten, it's probably a bit better,\n\nChannel 0: Yes.\n\nChannel 1: isn't it? As far as insurers are concerned. Because I did only have the one option. I think it was Zurich. We're the only ones, weren't they?\n\nChannel 0: It was it was limited. Yes. During this thing, it is up to you what we could do because you've already gone through the application.\n\nChannel 1: Yep. Yeah. Which is painful.\n\nChannel 0: Oh, yeah. Yes.\n\nChannel 1: So it's painful because it just makes me realize\n\nChannel 0: It's\n\nChannel 1: memories\n\nChannel 0: a\n\nChannel 1: that I don't wanna remember.\n\nChannel 0: lot. Oh, yeah. So it's up to you. We could always submit the application. What it means, it goes through underwriting, though.\n\nAnd after the underwriting assessment, that's when they will give us the the definite answer. So\n\nChannel 1: Okay. Or let's\n\nChannel 0: they\n\nChannel 1: go let's go down that tracking on. It gives me a bit of time to think about it.\n\nChannel 0: yes. We can\n\nChannel 1: Okay.\n\nChannel 0: do that. Now would you like us to\n\nChannel 1: 50 or\n\nChannel 0: put\n\nChannel 1: 100.\n\nChannel 0: the 50 or the 100?\n\nChannel 1: Yeah. Yeah. I'll go I'm gonna go with the with the 50, I think.\n\nChannel 0: Yep.\n\nChannel 1: Oh, gosh. I don't know. A 170 month. A 170 a month to a 100 k, assuming something terrible happened. So when you say trauma,\n\nChannel 0: Yes.\n\nChannel 1: life and trauma, so trauma\n\nChannel 0: Mhmm.\n\nChannel 1: could be what? What does that\n\nChannel 0: Yeah. Sorry. There are a lot of things you are covered for, but the the main ones we typically see claims on is different type of cancers. It will be stroke, heart attack, neurological condition\n\nChannel 1: Yeah.\n\nChannel 0: through so, basically, yeah, if you get any of those, it will then be be paid out. Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you,\n\nChannel 1: Yep.\n\nChannel 0: there is before you click on the link where it says sign now, I have included a PDF. So that is the product disclosure statement.\n\nChannel 1: Yep.\n\nChannel 0: Now that gives you everything that you do need to know about the Zurich policy. And\n\nChannel 1: Yep.\n\nChannel 0: let me just find you exactly the page to make it easier, and it actually lists exactly every because every insurer does it a little bit differently, and\n\nChannel 1: Yeah.\n\nChannel 0: it actually\n\nChannel 1: Okay.\n\nChannel 0: lists every single thing you are covered for. So let me\n\nChannel 1: Right.\n\nChannel 0: just see if I can find you this, then you can have a bit of a bit of a read over all the\n\nChannel 1: So\n\nChannel 0: the stuff as well.\n\nChannel 1: am I better off going with the 100 and decreasing it as opposed to going 50 and increasing it, aren't I?\n\nChannel 0: Yes. Definitely. Because what would happen is if we go with a 100 and then you\n\nChannel 1: Have\n\nChannel 0: tell\n\nChannel 1: to\n\nChannel 0: me,\n\nChannel 1: go\n\nChannel 0: do\n\nChannel 1: through\n\nChannel 0: you know\n\nChannel 1: this\n\nChannel 0: what?\n\nChannel 1: thing\n\nChannel 0: Exactly. So if you even if you tell me, do you know what? It's getting a little bit little bit expensive. Let's do 90. Let's do 80.\n\nLet's do 70. It's a\n\nChannel 1: again.\n\nChannel 0: quick\n\nChannel 1: We\n\nChannel 0: form\n\nChannel 1: can\n\nChannel 0: because they're sure they're happy.\n\nChannel 1: yeah.\n\nChannel 0: They take\n\nChannel 1: Let's\n\nChannel 0: less risk.\n\nChannel 1: I think we'll I think I'll do that.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Alright. Put it through at a 100, and when it comes back with the final dollars, I can\n\nChannel 0: We'll\n\nChannel 1: yeah.\n\nChannel 0: see.\n\nChannel 1: Just start from\n\nChannel 0: Yep.\n\nChannel 1: there, and we'll, yep, go from there. Alright. Thanks,\n\nChannel 0: Yep.\n\nChannel 1: Veronica.\n\nChannel 0: No. That's okay, Sharon. And in order for me to just go ahead with it, though, I will just need you to sign the document. But the only change is the the premium.\n\nChannel 1: Sure. Yep.\n\nChannel 0: That\n\nChannel 1: Okay.\n\nChannel 0: is it.\n\nChannel 1: Alright.\n\nChannel 0: And as soon as that that comes through, I will let Jack know, and we can submit that application for you.\n\nChannel 1: Okay. Great. Thank\n\nChannel 0: Yep.\n\nChannel 1: you. Alright.\n\nChannel 0: That's\n\nChannel 1: Thanks\n\nChannel 0: okay.\n\nChannel 1: very much.\n\nChannel 0: No problem.\n\nChannel 1: Have\n\nChannel 0: We'll\n\nChannel 1: a good\n\nChannel 0: speak\n\nChannel 1: day.\n\nChannel 0: soon. You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.011602304875850676},{"text":"Sharon speaking.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.026894081383943558}],"sentiment":"neutral","sentiment_score":0.021796822547912598,"channel":1,"num_words":3,"start":1.92,"end":3.54},{"sentences":[{"text":"Good morning, Sharon.","start":4.08,"end":5.12,"sentiment":"neutral","sentiment_score":0.31894633173942566},{"text":"This is Veronica from OQ Financial.","start":5.12,"end":7.14,"sentiment":"neutral","sentiment_score":0.2816938708225886},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.24309520423412323}],"sentiment":"neutral","sentiment_score":0.2813573194046815,"channel":0,"num_words":12,"start":4.08,"end":8.1},{"sentences":[{"text":"I'm good.","start":8.16,"end":8.639999,"sentiment":"positive","sentiment_score":0.5149426311254501},{"text":"Thank you.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.5938921570777893},{"text":"How are you?","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.3277936975161235}],"sentiment":"positive","sentiment_score":0.4572929527078356,"channel":1,"num_words":7,"start":8.16,"end":9.78},{"sentences":[{"text":"Good.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.4244586229324341},{"text":"Thanks.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.5338500738143921},{"text":"I had you booked in just for a really quick catch up this morning after you did your application with Jack the other day.","start":12.255,"end":19.395,"sentiment":"neutral","sentiment_score":0.30170120174686116},{"text":"Is now still a good time for","start":19.615,"end":20.975,"sentiment":"neutral","sentiment_score":0.30944585374423433}],"sentiment":"neutral","sentiment_score":0.31409874287518585,"channel":0,"num_words":33,"start":10.0,"end":20.975},{"sentences":[{"text":"Yep.","start":20.835,"end":21.235,"sentiment":"neutral","sentiment_score":0.2653062343597412}],"sentiment":"neutral","sentiment_score":0.2653062343597412,"channel":1,"num_words":1,"start":20.835,"end":21.235},{"sentences":[{"text":"you?","start":20.975,"end":21.475,"sentiment":"neutral","sentiment_score":0.16514575481414795}],"sentiment":"neutral","sentiment_score":0.16514575481414795,"channel":0,"num_words":1,"start":20.975,"end":21.475},{"sentences":[{"text":"Yeah.","start":21.235,"end":21.474998,"sentiment":"neutral","sentiment_score":0.12978868186473846},{"text":"That's 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representative from OQ Financial called a customer named Sharon to follow up on her application with Jack. They discuss the possibility of increasing the premium due to smoking weed and the need for insurance information. The representative sends an email with an updated insurance SOA and explains that the premium is up to the customer's discretion. They also discuss coverage for various types of conditions and the need for a document signed."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":64,"end_word":93,"intents":[{"intent":"Confirm call recording","confidence_score":0.021318242}]},{"text":"Now I do also have a password on file for you for security. Do you know what that might be? Yeah.","start_word":116,"end_word":136,"intents":[{"intent":"Provide password","confidence_score":0.44433796}]},{"text":"Now, Sharon, I have just sent you an email just with an updated insurance SOA. The only reason is that when you did your application with Jack, you mentioned to him that on occasion, you smoke a little bit of weed every now and then. Is Yes.","start_word":140,"end_word":186,"intents":[{"intent":"Update insurance soa","confidence_score":0.017807454}]},{"text":"So what it means is that the premium does become quite a bit more expensive. So I did wanted Okay.","start_word":223,"end_word":242,"intents":[{"intent":"Clarify insurance premiums","confidence_score":0.006346656}]},{"text":"Just so you have the information, 50,000 will be $87.95 per month. Okay.","start_word":346,"end_word":358,"intents":[{"intent":"Provide information","confidence_score":0.065680414}]},{"text":"It is better, though. It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not Yeah. want.","start_word":378,"end_word":430,"intents":[{"intent":"Verify options","confidence_score":0.00023771026}]},{"text":"It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not Yeah. want.","start_word":382,"end_word":430,"intents":[{"intent":"Decline offer","confidence_score":0.38720226}]},{"text":"much as it kind of sucks, I am Yeah. Yeah. Yeah. glad that you were being honest. Yeah. So it is up Alright. to you. Yeah.","start_word":435,"end_word":460,"intents":[{"intent":"Confirm understanding","confidence_score":0.0597709}]},{"text":"We could always submit the application. What it means, it goes through underwriting, though. And after the underwriting assessment, that's when they will give us the the definite answer. So Okay.","start_word":606,"end_word":636,"intents":[{"intent":"Submit application","confidence_score":0.9725947},{"intent":"Track application","confidence_score":0.9084398}]},{"text":"Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you, Yep. there is before you click on the link where it says sign now, I have included a PDF. So that is the product disclosure statement. 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This is Veronica from OQ Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.22363343834877017},{"text":"I'm good. Thank you.","start_word":15,"end_word":18,"sentiment":"positive","sentiment_score":0.5344079732894897},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.32800745964050293},{"text":"Good. Thanks.","start_word":22,"end_word":23,"sentiment":"positive","sentiment_score":0.4791543483734131},{"text":"I had you booked in just for a really quick catch up this morning after you did your application with Jack the other day. Is now still a good time for Yep. you? Yeah. That's fine. Yep. Yep. Alright.","start_word":24,"end_word":62,"sentiment":"neutral","sentiment_score":0.25335508584976196},{"text":"Perfect.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.3644315302371979},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. That's fine. You're cutting out a K. little bit there. Oh, that's alright. Is that a bit better? Yes. Yeah. Okay. Perfect. Now I do also have a password on file for you for security. Do you know what that might be? Yeah. PositivityOneStar. Yes.","start_word":64,"end_word":138,"sentiment":"neutral","sentiment_score":0.04941214993596077},{"text":"Beautiful.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.4189597964286804},{"text":"Now, Sharon, I have just sent you an email just with an updated insurance SOA. The only reason is that when you did your application with Jack, you mentioned to him that on occasion, you smoke a little bit of weed every now and then. Is Yes. that correct? Yes. Yep. Bloody It's not really too, like, too big of a deal, hell. but it will mean that all the insurers will classify you as a smoker Alrighty. for insurance purposes. So yeah. So what it means is that the premium does become quite a bit more expensive. So I did wanted Okay. to run through them Yeah. with you. How much more expensive?","start_word":140,"end_word":253,"sentiment":"neutral","sentiment_score":-0.11708149313926695},{"text":"I can I'm getting to the point where I'm just not gonna bother.","start_word":254,"end_word":266,"sentiment":"negative","sentiment_score":-0.3446078896522522},{"text":"And, ultimately, it is completely up to you. So Yep. this Yep.","start_word":267,"end_word":278,"sentiment":"neutral","sentiment_score":-0.2456779032945633},{"text":"is just for your life and trauma.","start_word":279,"end_word":285,"sentiment":"negative","sentiment_score":-0.3395555317401886},{"text":"Yep. Now for a 100,000, which is what we were looking at before, before the premium was a $101.28 per month. Yep. Now it's a $173.38 Yeah. per No. month. No. That's why too much. No. I have also done the 50,000 for you to show you because I know last time we were tossing up between a 150. Yeah. Just so you have the information, 50,000 will be $87.95 per month. Okay. Okay. Oh, gosh. See what you It get is to being up to honest. you. Do you know what? It is better, though. It is so much better because if something ever were to happen and you need to go on claim and there is any doctor's support or anything to stay and the information comes out, the insurers then have the option of declining it, which we do not Yeah. want. Right. So as Yeah. much as it kind of sucks, I am Yeah. Yeah. Yeah. glad that you were being honest. Yeah. So it is up Alright. to you. Yeah. So it so the thing is it doesn't include breast or cervical cancer anyway, so they've already ruled that Correct. out. Yes. Most likely. Yeah. I'm just wondering whether I'm better off just waiting and what because I'm only, like, five or six years down the track. I think when we get to ten, it's probably a bit better, Yes. isn't it? As far as insurers are concerned. Because I did only have the one option. I think it was Zurich. We're the only ones, weren't they? It was it was limited. Yes. During this thing, it is up to you what we could do because you've already gone through the application. Yep. Yeah.","start_word":286,"end_word":574,"sentiment":"neutral","sentiment_score":-0.01854323887082532},{"text":"Which is painful. 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So when you say trauma, Yes. life and trauma, so trauma Mhmm. could be what? What does that Yeah. Sorry. There are a lot of things you are covered for, but the the main ones we typically see claims on is different type of cancers. It will be stroke, heart attack, neurological condition Yeah. through so, basically, yeah, if you get any of those, it will then be be paid out. Now what I have also included for you, if you did wanna have a bit of a reach over it, in the document I sent you, Yep. there is before you click on the link where it says sign now, I have included a PDF. So that is the product disclosure statement. Yep. Now that gives you everything that you do need to know about the Zurich policy. And Yep. let me just find you exactly the page to make it easier, and it actually lists exactly every because every insurer does it a little bit differently, and Yeah. it actually Okay. lists every single thing you are covered for. So let me Right. just see if I can find you this, then you can have a bit of a bit of a read over all the So the stuff as well. am I better off going with the 100 and decreasing it as opposed to going 50 and increasing it, aren't I? Yes. Definitely. Because what would happen is if we go with a 100 and then you Have tell to me, go do through you know this what? thing Exactly. So if you even if you tell me, do you know what? It's getting a little bit little bit expensive. Let's do 90. Let's do 80. Let's do 70. It's a again. quick We form can because they're sure they're happy. yeah. They take Let's less risk. I think we'll I think I'll do that. Okay. Yep. Yes. Alright. Put it through at a 100, and when it comes back with the final dollars, I can We'll yeah. see. Just start from Yep. there, and we'll, yep, go from there. Alright. Thanks, Yep. Veronica. No. That's okay, Sharon. And in order for me to just go ahead with it, though, I will just need you to sign the document. 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