{"metadata":{"transaction_key":"deprecated","request_id":"019f1bd4-00c4-7e63-a933-aea355a4a247","sha256":"6be47eec0b5321e7a96962644e9834720091a0c50650641d2609ad1d78438c26","created":"2026-07-01T03:58:28.595Z","duration":1633.824,"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":5003,"output_tokens":107},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5349,"output_tokens":5360},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5349,"output_tokens":432}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Veronica from Financial. Hey. How are you? Yeah. I'm good. Thank you. I had you booked in just to go over the strategy recommendations in regards to your superannuation investment. Is that still a good time for you? Yeah. Okay. Perfect. It shouldn't take too long. But before I do kind of jump in, just to be sure, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how's your day been so far? I've been busy. So yes. Yeah. Like I said, I'll tryna keep it pretty quick for you. It is fairly straightforward today. Do you have access to your emails at the moment or or not really while you're at work? No. That's okay. Okay. No. That's okay. Sure. Yeah. Yeah. That's okay. Yes. About a minute ago. So it should be yeah. Can be spam as well potentially if it's not there. Yes. But only after I've gone through the recommendation if you're happy to do so. And it will still allow you to read it. So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything. And if you don't have time to obviously fully read it right now, it's okay. You can go back and have a read over it when you're not at work and have a bit more time as well. But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now. And then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well. So let me know if you can see the cover page Where's the statement over the place? Yep. Perfect. Now it is pretty straightforward. It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything. And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you. But I'll try to keep it as as quick as I can and cover the main points. But, basically, it has been tailored specifically for you, and it is my recommendation. But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not. On the cover page, you can also see my details listed. You can see my authorized representative number, and I am licensed under OCU Financial. Now second page talks about the best interest duty. You may have heard of that before. But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through, you will see a couple of pages in regards to scoping in and scoping out. Basically, what that refers to is the areas we are touching on today. So like I said, pretty straightforward. The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees. And I've also just included estate planning in regards to your insurances, making sure that's also set up. We have everything for your superannuation, but just included that for your insurance as well. Okay? Yep. Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today. Now if you can scroll down to page let's see here. 10 for me. It should talk about your risk profile. Yep. So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio. You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible. So I have not made a change in regards to that. We're keeping you in a high growth for you. Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive. Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time. Make sense? Yep. Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12. This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments. So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out. So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation. But for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well. So for the time being, I have recommended that we just change over some of the investments. Now I usually find the best way to have a look at it. So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you. You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered. But I usually find the best way to look at it is if you want to scroll down to page 15 for me first. And you should have a fee comparison table. Can you see that? Yep. Perfect. So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it. But like I said, I have recommended that you stay in Hub 24 and change your investment. Now what that actually looks like, you can see the change here. So you can see that the investment fee is actually reduced by quite a lot by changing your investment. So it will save you about $384 per year in just investment fees alone. Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550. Can you see that? Like, the first row where it says balance. The difference column. Yep. Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable. So that's the same in a super environment when you sell investments. So I've tried to keep this as little as possible for you. Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635. So I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position. It is something I want you to be mindful of, though, and it does fluctuate on a daily. Obviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change. So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that. Does that make sense? Yep. Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average. So even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit. Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average. Because using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period. Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great. So that's why we like to use a five year rolling average when we are looking at forecasting and historical Yeah. Does that make sense? Yeah. Do you have any questions in regards to this table otherwise? No. No. That's okay. Yeah. No. That's perfectly fine. Now on your scroll to the next page, you can then see things forecasted for five and ten years. So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same. It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term. Now you can also see the table underneath it. I have included a bit more in regards to the historical returns. So you can see twelve months, three years, five years, and ten years. And you can see that across all time frames, the recommended has still outperformed your current portfolio. Makes sense? Yep. Perfect. Now what that actually looks like in terms of the recommended investment changes is outlined on page 17. You should have a investment table. It might be a little bit tricky on the phone, but, essentially, what it is, you can see all the investments. You can see the little special code associated with them. You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column. So everything in red is what we are looking at selling, and black is what we are buying. Now you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure. So you can see that we are not changing all of the investments, just a couple. Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed. So we're still using that core satellite approach to investing. Have you ever heard of that before? No. Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified. So these are like your biggest shareholding. So you can see, for example, at 35%, you have the iShares S and P 500. You already have that in your portfolio before. We are just increasing the allocation a little bit. Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment. So, obviously, very diversified. It gives you good exposure. Another one is your 25% at the beta shares Australia 200. Now this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio. That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market. That one here basically invests in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, very diversified, and that is why they have the higher allocation allocated to them. Now what the other investments are is what we then call your satellite investment. Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you. But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments. Does that make sense so far? Yeah. Perfect. So you can see we are keeping, for example, beta share cybersecurity in your portfolio. Just increasing it just slightly to 6%. Same with the iShares Europe. You already have that in your portfolio. Again, just increasing it a little bit to 9%. We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US. We wanna give you good diversification. That also comes into play, the one underneath it, which is your Vanguard All World. Now you may have heard of Vanguard before. They're quite big. But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500. And we don't wanna have two overexposure into one market either. Does that make sense? Yep. And now we also then have your your defensive investment. So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page. You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest. So, again, trying to limit fluctuation, and that basically gives you the portfolio. Now if you wanted to, when you have a bit more time, go and read up on these investments as well. In the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments. So full transparency, so you can go and have a look at them if you would like to as well. Now you will also see just the cash account on the same page 18. With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything. So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth. So we have to keep about a minimum of that 1.25 in hub 24 for you. Any questions so far? Nope. Now very much, which is why I want you as well, especially when you're not at work, to take some time. The document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it. And if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up to go through it. And that's why there is so much it's quite wordy, this document, and it is to allow you the opportunity as well. So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well. Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table. Can you see that? Yep. So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations. You can see your existing portfolio and then the proposed. But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio. Does that make sense? Yep. And the last thing is just in regards to your beneficiary. So like I said, we have everything sorted for your superannuation, which is fantastic. I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up. So if something were to happen to you, that it would go to your partner. Yep. Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track. Now the last thing is just in regards to the ongoing advice fee. So if you wanna scroll down to page 29 for me. Yep. So like I mentioned during the under review, there is no changes in regards to the fee structure. It stays exactly the same at 1.65 from Super. There is no additional fees and charges for, obviously, this advice. And if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that. It's also not a lock in contract. So if at any point in time, you are not happy. It is not a lock in contract. We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations. But then, also, if you're not it's like a a full commitment for a full year as well. It is just deducted monthly for you. Makes sense? Yep. Now I have also just shown you the Clearview insurances. So with insurances, we do get commission, which is 22% of the premium ongoing. Now that is Clearview paying us, though. It is not you paying us. But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that. Yep. Do you have any questions in regards to any of that so far? No. Perfect. And that basically summarizes everything. So on the next couple of pages, it just shows you the authority to proceed. And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination. But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document. If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through. If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now. Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation. Now do you have any questions before I let you go back to work otherwise? Mhmm. Correct. Correct. I do ask if it's possible for you to email me just so that I know that you have made a decision. So whether you email me and just say, hey. I've decided not to go ahead. That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide. But, yes, the choice is completely yours. If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you. Yep. What do you mean what you're currently on? Yes. So yeah. No. So when you went back up to that table so first on the investments, you will see it in that investment table switch. You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly. Let me just I'll just scroll up just so I can tell you for sure. Yes. Correct. So you can see the the column versus current weight. So that is what you are currently in. So if you decide you don't wanna change, that stays the same. If you then scroll back to page 15, you can see the current column. So that is all your current fees and the current returns and everything. So, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation. Yep. And that's the same with that table on page 16. You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments. Yep. Does does that answer that question for you? Yeah. Perfect. No. That's okay. So I will let you go and get back to work. I know there's a lot to process, so so take your time. Any questions, just let me know what you want to do at the end the day. And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you. No worries. No. That is no problem at all. It was lovely speaking with you today, and thank you so much for your time. And I hope you enjoy the rest of your afternoon. Thank you so much. You too. Bye.","confidence":0.99902344,"words":[{"word":"good","start":7.2799997,"end":7.52,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.2749228775501251},{"word":"afternoon","start":7.52,"end":7.9199996,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.2127998322248459},{"word":"this","start":7.9199996,"end":8.16,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1535750925540924},{"word":"is","start":8.16,"end":8.24,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15200839936733246},{"word":"veronica","start":8.24,"end":8.72,"confidence":0.9604492,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":0.19108295440673828},{"word":"from","start":8.72,"end":8.96,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19608084857463837},{"word":"financial","start":8.96,"end":9.46,"confidence":0.5819702,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1363002210855484},{"word":"hey","start":12.575001,"end":12.735001,"confidence":0.99609375,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.1979483962059021},{"word":"how","start":12.735001,"end":12.975,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2339003086090088},{"word":"are","start":12.975,"end":13.215,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1950649917125702},{"word":"you","start":13.215,"end":13.715,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.22469976544380188},{"word":"yeah","start":15.215,"end":15.535,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4920712113380432},{"word":"i'm","start":15.535,"end":15.775001,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6785601377487183},{"word":"good","start":15.775001,"end":16.175,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7460262179374695},{"word":"thank","start":16.175,"end":16.415,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7877713441848755},{"word":"you","start":16.415,"end":16.915,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7306592464447021},{"word":"i","start":18.015,"end":18.415,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4096079170703888},{"word":"had","start":18.415,"end":18.655,"confidence":0.65185547,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4596962630748749},{"word":"you","start":18.655,"end":18.815,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2968709468841553},{"word":"booked","start":18.815,"end":19.135,"confidence":0.99902344,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.3448023200035095},{"word":"in","start":19.135,"end":19.375,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4357433021068573},{"word":"just","start":19.375,"end":19.535,"confidence":0.9667969,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.38997623324394226},{"word":"to","start":19.535,"end":19.695,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28467804193496704},{"word":"go","start":19.695,"end":19.935,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3215405344963074},{"word":"over","start":19.935,"end":20.255001,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3978971838951111},{"word":"the","start":20.255001,"end":20.494999,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3568543791770935},{"word":"strategy","start":20.494999,"end":20.994999,"confidence":0.9970703,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.32043519616127014},{"word":"recommendations","start":21.135,"end":21.635,"confidence":0.9941406,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.3320342004299164},{"word":"in","start":22.255001,"end":22.494999,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.280301034450531},{"word":"regards","start":22.494999,"end":22.895,"confidence":0.9892578,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.25990065932273865},{"word":"to","start":22.895,"end":23.055,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35909879207611084},{"word":"your","start":23.055,"end":23.375,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3704741299152374},{"word":"superannuation","start":23.375,"end":23.875,"confidence":0.9913737,"punctuated_word":"superannuation","sentiment":"positive","sentiment_score":0.3804253041744232},{"word":"investment","start":24.175,"end":24.654999,"confidence":0.8535156,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.2771357297897339},{"word":"is","start":24.654999,"end":24.814999,"confidence":0.99609375,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1916206330060959},{"word":"that","start":24.814999,"end":24.975,"confidence":0.97802734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3197239339351654},{"word":"still","start":24.975,"end":25.215,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21189136803150177},{"word":"a","start":25.215,"end":25.375,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2786253094673157},{"word":"good","start":25.375,"end":25.535,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2985225319862366},{"word":"time","start":25.535,"end":25.775,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.3185200095176697},{"word":"for","start":25.775,"end":25.935001,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2727944254875183},{"word":"you","start":25.935001,"end":26.37,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.21376198530197144},{"word":"yeah","start":27.570002,"end":27.890001,"confidence":0.876709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10975616425275804},{"word":"okay","start":27.890001,"end":28.390001,"confidence":0.99194336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17954427003860474},{"word":"perfect","start":28.45,"end":28.95,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4270353615283966},{"word":"it","start":29.01,"end":29.17,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3083990216255188},{"word":"shouldn't","start":29.17,"end":29.57,"confidence":1.0,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":0.3168478012084961},{"word":"take","start":29.57,"end":30.07,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.28976044058799744},{"word":"too","start":30.130001,"end":30.53,"confidence":0.9819336,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.28651320934295654},{"word":"long","start":30.53,"end":31.03,"confidence":0.9638672,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.26353466510772705},{"word":"but","start":31.25,"end":31.490002,"confidence":0.66552734,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10528762638568878},{"word":"before","start":31.490002,"end":31.810001,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.005073275417089462},{"word":"i","start":31.810001,"end":31.970001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06697773188352585},{"word":"do","start":31.970001,"end":32.21,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0685243159532547},{"word":"kind","start":32.21,"end":32.45,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07872022688388824},{"word":"of","start":32.45,"end":32.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09757573902606964},{"word":"jump","start":32.53,"end":32.77,"confidence":0.99902344,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.05513587594032288},{"word":"in","start":32.77,"end":33.27,"confidence":0.99316406,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.0647088959813118},{"word":"just","start":33.65,"end":33.89,"confidence":0.96435547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1169186532497406},{"word":"to","start":33.89,"end":33.97,"confidence":0.703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1081797182559967},{"word":"be","start":33.97,"end":34.13,"confidence":0.8339844,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10070037841796876},{"word":"sure","start":34.13,"end":34.370003,"confidence":0.88623047,"punctuated_word":"sure,","sentiment":"neutral","sentiment_score":0.130582794547081},{"word":"i","start":34.370003,"end":34.45,"confidence":0.5336914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15031516551971436},{"word":"just","start":34.45,"end":34.690002,"confidence":0.95410156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.136808842420578},{"word":"need","start":34.690002,"end":34.85,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1824023574590683},{"word":"to","start":34.85,"end":35.010002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15983863174915314},{"word":"let","start":35.010002,"end":35.170002,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.13033713400363922},{"word":"you","start":35.170002,"end":35.33,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15045800805091858},{"word":"know","start":35.33,"end":35.57,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1170903667807579},{"word":"that","start":35.57,"end":35.81,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1009698361158371},{"word":"our","start":35.81,"end":35.97,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07442072033882141},{"word":"calls","start":35.97,"end":36.29,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.10994575917720796},{"word":"are","start":36.29,"end":36.45,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09000968933105469},{"word":"being","start":36.45,"end":36.690002,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.08326831459999084},{"word":"recorded","start":36.690002,"end":37.170002,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.10382646322250366},{"word":"for","start":37.170002,"end":37.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06837804615497589},{"word":"quality","start":37.41,"end":37.73,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.09180109202861786},{"word":"and","start":37.73,"end":37.97,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07711725682020187},{"word":"coaching","start":37.97,"end":38.45,"confidence":0.99902344,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.1178017556667328},{"word":"purposes","start":38.45,"end":38.95,"confidence":0.83813477,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.1004667654633522},{"word":"if","start":39.010002,"end":39.17,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15053865313529968},{"word":"that's","start":39.17,"end":39.49,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1081181988120079},{"word":"okay","start":39.49,"end":39.99,"confidence":0.86987305,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09238427877426147},{"word":"perfect","start":42.045,"end":42.545,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.41660913825035095},{"word":"and","start":42.765,"end":43.085,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18404188752174375},{"word":"just","start":43.085,"end":43.325,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13955402374267578},{"word":"for","start":43.325,"end":43.645,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11871088296175004},{"word":"security","start":43.645,"end":44.125,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.17324401438236237},{"word":"purposes","start":44.125,"end":44.625,"confidence":0.7763672,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.18192243576049805},{"word":"so","start":44.685,"end":44.925,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13148432970046997},{"word":"that","start":44.925,"end":45.085,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1240260899066925},{"word":"i","start":45.085,"end":45.245,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14351920783519745},{"word":"can","start":45.245,"end":45.485,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1352263242006302},{"word":"confirm","start":45.485,"end":45.885,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.15981443226337433},{"word":"i'm","start":45.885,"end":46.125,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14533433318138125},{"word":"speaking","start":46.125,"end":46.445,"confidence":1.0,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":0.13588713109493256},{"word":"with","start":46.445,"end":46.605,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09960822761058807},{"word":"the","start":46.605,"end":46.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13363078236579895},{"word":"right","start":46.765,"end":47.085,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.16180190443992615},{"word":"person","start":47.085,"end":47.585,"confidence":0.9951172,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.17652416229248047},{"word":"could","start":47.645,"end":47.885,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.16936403512954712},{"word":"i","start":47.885,"end":48.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11020009219646454},{"word":"please","start":48.125,"end":48.364998,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.12467749416828156},{"word":"get","start":48.364998,"end":48.605,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1376720815896988},{"word":"you","start":48.605,"end":48.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12778770923614502},{"word":"to","start":48.765,"end":49.005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13015756011009216},{"word":"confirm","start":49.005,"end":49.485,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.10969267785549164},{"word":"your","start":49.485,"end":49.645,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08537817001342773},{"word":"full","start":49.645,"end":49.965,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.13389331102371216},{"word":"name","start":49.965,"end":50.364998,"confidence":0.99853516,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.0973152369260788},{"word":"date","start":50.364998,"end":50.605,"confidence":0.9980469,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1228017956018448},{"word":"of","start":50.605,"end":50.765,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11972764134407043},{"word":"birth","start":50.765,"end":51.085,"confidence":0.99316406,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.10411977767944336},{"word":"and","start":51.085,"end":51.405,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07681998610496521},{"word":"address","start":51.405,"end":51.805,"confidence":1.0,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.07997864484786987},{"word":"please","start":51.805,"end":52.305,"confidence":0.98999023,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.09336462616920473},{"word":"yep","start":52.47,"end":52.97,"confidence":0.86083984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04071704298257828},{"word":"perfect","start":63.27,"end":63.77,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.30709296464920044},{"word":"and","start":63.91,"end":64.15,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.183547243475914},{"word":"how's","start":64.15,"end":64.47,"confidence":0.95581055,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.15807729959487915},{"word":"your","start":64.47,"end":64.71,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14258548617362976},{"word":"day","start":64.71,"end":64.87,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.23164410889148712},{"word":"been","start":64.87,"end":65.03,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.14373373985290527},{"word":"so","start":65.03,"end":65.270004,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13046006858348846},{"word":"far","start":65.270004,"end":65.43,"confidence":0.95947266,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1192123368382454},{"word":"i've","start":65.43,"end":65.590004,"confidence":0.8161621,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.22119152545928955},{"word":"been","start":65.590004,"end":65.75,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.23146449029445648},{"word":"busy","start":65.75,"end":66.25,"confidence":0.9680176,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":-0.2767069935798645},{"word":"so","start":69.825005,"end":69.865005,"confidence":0.5986328,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08869791775941849},{"word":"yes","start":69.905,"end":70.405,"confidence":0.98583984,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.007127085700631142},{"word":"yeah","start":71.985,"end":72.385,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0061896685510873795},{"word":"like","start":72.385,"end":72.625,"confidence":0.9951172,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.040976691991090775},{"word":"i","start":72.625,"end":72.785,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.060994118452072144},{"word":"said","start":72.785,"end":72.945,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.06866088509559631},{"word":"i'll","start":72.945,"end":73.185005,"confidence":0.9501953,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10171633213758469},{"word":"tryna","start":73.185005,"end":73.505005,"confidence":0.6152344,"punctuated_word":"tryna","sentiment":"neutral","sentiment_score":0.17622479796409607},{"word":"keep","start":73.505005,"end":73.745,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1723117232322693},{"word":"it","start":73.745,"end":73.905,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2288786619901657},{"word":"pretty","start":73.905,"end":74.145004,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2601965367794037},{"word":"quick","start":74.145004,"end":74.385,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.23379959166049957},{"word":"for","start":74.385,"end":74.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2504102289676666},{"word":"you","start":74.545,"end":74.785,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18907058238983152},{"word":"it","start":74.785,"end":75.025,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2953532338142395},{"word":"is","start":75.025,"end":75.265,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31887418031692505},{"word":"fairly","start":75.265,"end":75.665,"confidence":1.0,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.36548465490341187},{"word":"straightforward","start":75.665,"end":76.165,"confidence":0.9970703,"punctuated_word":"straightforward","sentiment":"neutral","sentiment_score":0.29536283016204834},{"word":"today","start":76.225,"end":76.725,"confidence":1.0,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.1991703361272812},{"word":"do","start":78.305,"end":78.625,"confidence":0.88964844,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.005590569227933884},{"word":"you","start":78.625,"end":78.865005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009714871644973757},{"word":"have","start":78.865005,"end":79.185,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.002893000841140747},{"word":"access","start":79.185,"end":79.585,"confidence":0.9970703,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.0028363019227981567},{"word":"to","start":79.585,"end":79.665,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00027987733483314514},{"word":"your","start":79.665,"end":79.825005,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.004866160452365875},{"word":"emails","start":79.825005,"end":80.145004,"confidence":0.9472656,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.00357147678732872},{"word":"at","start":80.145004,"end":80.305,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.021130403503775597},{"word":"the","start":80.305,"end":80.385,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008140593767166138},{"word":"moment","start":80.385,"end":80.865005,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.00423610582947731},{"word":"or","start":80.865005,"end":81.105,"confidence":0.83251953,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.015398610383272173},{"word":"or","start":81.105,"end":81.265,"confidence":0.9267578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02115904539823532},{"word":"not","start":81.265,"end":81.425,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02459157258272171},{"word":"really","start":81.425,"end":81.665,"confidence":0.99609375,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.04258662089705467},{"word":"while","start":81.665,"end":81.905,"confidence":0.9770508,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.03711972385644913},{"word":"you're","start":81.905,"end":82.065,"confidence":0.9921875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.024498745799064636},{"word":"at","start":82.065,"end":82.225,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.023250317201018333},{"word":"work","start":82.225,"end":82.65,"confidence":0.9995117,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.024959426373243332},{"word":"no","start":85.770004,"end":85.93,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15014810860157013},{"word":"that's","start":85.93,"end":86.33,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.110416017472744},{"word":"okay","start":86.33,"end":86.83,"confidence":0.9921875,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.040847230702638626},{"word":"okay","start":90.090004,"end":90.590004,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07728017866611481},{"word":"no","start":94.090004,"end":94.590004,"confidence":0.9995117,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1297941952943802},{"word":"that's","start":94.65,"end":95.05,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09567975997924805},{"word":"okay","start":95.05,"end":95.55,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.07748778909444809},{"word":"sure","start":100.365,"end":100.865,"confidence":0.9926758,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":-0.00017428770661354065},{"word":"yeah","start":103.965,"end":104.465,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00606031809002161},{"word":"yeah","start":106.125,"end":106.445,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015494531020522118},{"word":"that's","start":106.445,"end":106.765,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03548889234662056},{"word":"okay","start":106.765,"end":107.265,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.026084644719958305},{"word":"yes","start":121.674995,"end":121.994995,"confidence":0.8208008,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02127976343035698},{"word":"about","start":121.994995,"end":122.475,"confidence":0.99902344,"punctuated_word":"About","sentiment":"neutral","sentiment_score":-0.07262809574604034},{"word":"a","start":122.475,"end":122.634995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06582413613796234},{"word":"minute","start":122.634995,"end":123.134995,"confidence":0.9980469,"punctuated_word":"minute","sentiment":"neutral","sentiment_score":-0.05180038511753082},{"word":"ago","start":123.195,"end":123.695,"confidence":0.9645996,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.049234990030527115},{"word":"so","start":124.954994,"end":125.354996,"confidence":0.7626953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06863811612129211},{"word":"it","start":125.354996,"end":125.435,"confidence":0.9707031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08854594826698303},{"word":"should","start":125.435,"end":125.835,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.09438640624284744},{"word":"be","start":125.835,"end":126.335,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1137472465634346},{"word":"yeah","start":126.954994,"end":127.454994,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1359243392944336},{"word":"can","start":129.275,"end":129.435,"confidence":0.7416992,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.2742788791656494},{"word":"be","start":129.435,"end":129.675,"confidence":0.96875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3298235833644867},{"word":"spam","start":129.675,"end":130.075,"confidence":0.9140625,"punctuated_word":"spam","sentiment":"negative","sentiment_score":-0.3677762448787689},{"word":"as","start":130.075,"end":130.235,"confidence":0.98291016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.31619182229042053},{"word":"well","start":130.235,"end":130.47499,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.3325517177581787},{"word":"potentially","start":130.47499,"end":130.97499,"confidence":0.60253906,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":-0.2955334186553955},{"word":"if","start":131.11499,"end":131.355,"confidence":0.8613281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.32991650700569153},{"word":"it's","start":131.355,"end":131.435,"confidence":0.8347168,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.28544488549232483},{"word":"not","start":131.435,"end":131.675,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23412396013736725},{"word":"there","start":131.675,"end":132.175,"confidence":0.95458984,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.26956066489219666},{"word":"yes","start":141.93001,"end":142.25,"confidence":0.9641113,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.018846936523914337},{"word":"but","start":142.25,"end":142.49,"confidence":0.9902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0041963160037994385},{"word":"only","start":142.49,"end":142.89,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.00792355090379715},{"word":"after","start":142.89,"end":143.21,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.010936029255390167},{"word":"i've","start":143.21,"end":143.37,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04134554788470268},{"word":"gone","start":143.37,"end":143.61,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.04122515022754669},{"word":"through","start":143.61,"end":143.77,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06573799252510071},{"word":"the","start":143.77,"end":143.93001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0722191333770752},{"word":"recommendation","start":143.93001,"end":144.43001,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.05784980207681656},{"word":"if","start":144.49,"end":144.65,"confidence":0.7553711,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07046641409397125},{"word":"you're","start":144.65,"end":144.89,"confidence":0.83203125,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05503491312265396},{"word":"happy","start":144.89,"end":145.21,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.06692536175251007},{"word":"to","start":145.21,"end":145.29001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0618794783949852},{"word":"do","start":145.29001,"end":145.53,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023205839097499847},{"word":"so","start":145.53,"end":145.875,"confidence":0.8676758,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.011967461556196213},{"word":"and","start":147.075,"end":147.315,"confidence":0.9770508,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3773370385169983},{"word":"it","start":147.315,"end":147.475,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.44709959626197815},{"word":"will","start":147.475,"end":147.715,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3873377442359924},{"word":"still","start":147.715,"end":147.955,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4772574305534363},{"word":"allow","start":147.955,"end":148.195,"confidence":1.0,"punctuated_word":"allow","sentiment":"positive","sentiment_score":0.4669938087463379},{"word":"you","start":148.195,"end":148.435,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43101927638053894},{"word":"to","start":148.435,"end":148.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3736271262168884},{"word":"read","start":149.075,"end":149.315,"confidence":1.0,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.35884714126586914},{"word":"it","start":149.315,"end":149.815,"confidence":0.98999023,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.32472485303878784},{"word":"so","start":150.355,"end":150.595,"confidence":0.96972656,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.34667009115219116},{"word":"even","start":150.595,"end":150.755,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.24123309552669525},{"word":"if","start":150.755,"end":150.995,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2826240658760071},{"word":"you","start":150.995,"end":151.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30485618114471436},{"word":"click","start":151.075,"end":151.235,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.24538040161132812},{"word":"on","start":151.235,"end":151.395,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3396254777908325},{"word":"the","start":151.395,"end":151.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3158065974712372},{"word":"link","start":151.555,"end":151.795,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1883135437965393},{"word":"where","start":151.795,"end":152.035,"confidence":0.96875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22423452138900757},{"word":"it","start":152.035,"end":152.115,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24636361002922055},{"word":"says","start":152.115,"end":152.435,"confidence":0.9838867,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.24795421957969663},{"word":"sign","start":152.435,"end":152.755,"confidence":0.98291016,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.189227357506752},{"word":"now","start":152.755,"end":153.255,"confidence":0.9995117,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.3228757381439209},{"word":"you","start":153.395,"end":153.635,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4077520966529846},{"word":"can","start":153.635,"end":154.135,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37410515546798706},{"word":"look","start":154.355,"end":154.595,"confidence":0.9921875,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3558679223060608},{"word":"at","start":154.595,"end":154.835,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3755759000778198},{"word":"the","start":154.835,"end":155.075,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4352785646915436},{"word":"documents","start":155.075,"end":155.575,"confidence":0.53125,"punctuated_word":"documents","sentiment":"positive","sentiment_score":0.3674759864807129},{"word":"first","start":155.795,"end":156.295,"confidence":0.99316406,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.36284396052360535},{"word":"before","start":156.755,"end":157.235,"confidence":0.95751953,"punctuated_word":"before,","sentiment":"positive","sentiment_score":0.3700124621391296},{"word":"like","start":157.235,"end":157.395,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.40010717511177063},{"word":"it","start":157.395,"end":157.555,"confidence":0.99316406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4771741032600403},{"word":"prompts","start":157.555,"end":157.795,"confidence":0.99609375,"punctuated_word":"prompts","sentiment":"positive","sentiment_score":0.45886483788490295},{"word":"you","start":157.795,"end":157.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5008106231689453},{"word":"to","start":157.955,"end":158.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42358124256134033},{"word":"do","start":158.115,"end":158.275,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3801017105579376},{"word":"anything","start":158.275,"end":158.595,"confidence":0.982666,"punctuated_word":"anything.","sentiment":"positive","sentiment_score":0.34731337428092957},{"word":"and","start":158.595,"end":158.835,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4104940891265869},{"word":"if","start":158.835,"end":158.915,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.405166894197464},{"word":"you","start":158.915,"end":159.075,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.409438043832779},{"word":"don't","start":159.075,"end":159.315,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.3091597855091095},{"word":"have","start":159.315,"end":159.475,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2745397686958313},{"word":"time","start":159.475,"end":159.715,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.21325257420539856},{"word":"to","start":159.715,"end":159.875,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2650615870952606},{"word":"obviously","start":159.875,"end":160.275,"confidence":0.7685547,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.30614975094795227},{"word":"fully","start":160.275,"end":160.515,"confidence":0.98291016,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.32371193170547485},{"word":"read","start":160.515,"end":160.755,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.23981447517871857},{"word":"it","start":160.755,"end":160.98,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3196253180503845},{"word":"right","start":161.22,"end":161.45999,"confidence":0.99902344,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.3020549416542053},{"word":"now","start":161.45999,"end":161.7,"confidence":0.99316406,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.30722105503082275},{"word":"it's","start":161.7,"end":162.01999,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4904620051383972},{"word":"okay","start":162.01999,"end":162.51999,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.5727372765541077},{"word":"you","start":162.98,"end":163.14,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5336355566978455},{"word":"can","start":163.14,"end":163.37999,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4921737015247345},{"word":"go","start":163.37999,"end":163.54,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.46757110953330994},{"word":"back","start":163.54,"end":163.78,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5928552746772766},{"word":"and","start":163.78,"end":163.94,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.47547370195388794},{"word":"have","start":163.94,"end":164.09999,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5493893027305603},{"word":"a","start":164.09999,"end":164.18,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5153346657752991},{"word":"read","start":164.18,"end":164.42,"confidence":0.9970703,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.42881253361701965},{"word":"over","start":164.42,"end":164.65999,"confidence":0.9741211,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5532957315444946},{"word":"it","start":164.65999,"end":164.81999,"confidence":0.96777344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.49956807494163513},{"word":"when","start":164.81999,"end":164.98,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.49826985597610474},{"word":"you're","start":164.98,"end":165.14,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.41203832626342773},{"word":"not","start":165.14,"end":165.29999,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3742384910583496},{"word":"at","start":165.29999,"end":165.45999,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2872176766395569},{"word":"work","start":165.45999,"end":165.78,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3801240026950836},{"word":"and","start":165.78,"end":166.01999,"confidence":0.95166016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3758529722690582},{"word":"have","start":166.01999,"end":166.13998,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4870767593383789},{"word":"a","start":166.13998,"end":166.26,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4344927668571472},{"word":"bit","start":166.26,"end":166.42,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2964722812175751},{"word":"more","start":166.42,"end":166.65999,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4126005172729492},{"word":"time","start":166.65999,"end":166.9,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.461247205734253},{"word":"as","start":166.9,"end":167.06,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4671997129917145},{"word":"well","start":167.06,"end":167.56,"confidence":0.9880371,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3924376368522644},{"word":"but","start":168.18,"end":168.42,"confidence":0.68847656,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.3482947051525116},{"word":"at","start":168.42,"end":168.5,"confidence":0.8701172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32354480028152466},{"word":"least","start":168.5,"end":168.73999,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.26916593313217163},{"word":"if","start":168.73999,"end":168.9,"confidence":0.58862305,"punctuated_word":"if,","sentiment":"positive","sentiment_score":0.3671621084213257},{"word":"yeah","start":168.9,"end":169.14,"confidence":0.99902344,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.41032445430755615},{"word":"if","start":169.14,"end":169.22,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4718578457832336},{"word":"you","start":169.22,"end":169.37999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3897989094257355},{"word":"click","start":169.37999,"end":169.62,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.33306118845939636},{"word":"on","start":169.62,"end":169.78,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4185174107551574},{"word":"that","start":169.78,"end":169.94,"confidence":0.9033203,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.4231367111206054},{"word":"it","start":169.94,"end":170.09999,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5444181561470032},{"word":"will","start":170.09999,"end":170.34,"confidence":0.9370117,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4844798743724823},{"word":"allow","start":170.34,"end":170.65999,"confidence":0.97509766,"punctuated_word":"allow","sentiment":"positive","sentiment_score":0.5296891331672668},{"word":"you","start":170.65999,"end":170.81999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5255631804466248},{"word":"to","start":170.81999,"end":170.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4743260443210602},{"word":"open","start":170.98,"end":171.29999,"confidence":1.0,"punctuated_word":"open","sentiment":"positive","sentiment_score":0.4839549958705902},{"word":"it","start":171.29999,"end":171.45999,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.48666465282440186},{"word":"up","start":171.45999,"end":171.86,"confidence":0.8208008,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.5306721925735474},{"word":"and","start":171.86,"end":172.09999,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5054172277450562},{"word":"then","start":172.09999,"end":172.26,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.50264972448349},{"word":"i","start":172.26,"end":172.34,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5980272889137268},{"word":"can","start":172.34,"end":172.5,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5569814443588257},{"word":"go","start":172.5,"end":172.65999,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5069572925567627},{"word":"through","start":172.65999,"end":172.9,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5755858421325684},{"word":"the","start":172.9,"end":172.98,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6053467988967896},{"word":"main","start":172.98,"end":173.22,"confidence":1.0,"punctuated_word":"main","sentiment":"positive","sentiment_score":0.5844377279281616},{"word":"points","start":173.22,"end":173.595,"confidence":0.98095703,"punctuated_word":"points","sentiment":"positive","sentiment_score":0.4803649783134461},{"word":"with","start":173.675,"end":173.755,"confidence":0.9589844,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6374643445014954},{"word":"you","start":173.755,"end":173.995,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6385736465454102},{"word":"now","start":173.995,"end":174.495,"confidence":0.96533203,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.5105328559875488},{"word":"and","start":174.55501,"end":174.795,"confidence":0.6401367,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4480980336666107},{"word":"then","start":174.795,"end":174.955,"confidence":0.9765625,"punctuated_word":"then,","sentiment":"positive","sentiment_score":0.43604516983032227},{"word":"yes","start":174.955,"end":175.195,"confidence":0.98046875,"punctuated_word":"yes,","sentiment":"positive","sentiment_score":0.5357415676116943},{"word":"you","start":175.195,"end":175.355,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5738464593887329},{"word":"will","start":175.355,"end":175.515,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5305992960929871},{"word":"have","start":175.515,"end":175.755,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5264211893081665},{"word":"the","start":175.755,"end":175.91501,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5153722763061523},{"word":"opportunity","start":175.91501,"end":176.395,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"positive","sentiment_score":0.4442557096481323},{"word":"when","start":176.395,"end":176.55501,"confidence":0.76708984,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5719504952430725},{"word":"you","start":176.55501,"end":176.715,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4846704006195069},{"word":"have","start":176.715,"end":176.875,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4702209234237671},{"word":"a","start":176.875,"end":176.955,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4309193789958954},{"word":"bit","start":176.955,"end":177.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.30053094029426575},{"word":"more","start":177.115,"end":177.355,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.36684897541999817},{"word":"time","start":177.355,"end":177.595,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4854363203048706},{"word":"to","start":177.595,"end":177.755,"confidence":0.98828125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5035186409950256},{"word":"have","start":177.755,"end":177.91501,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4448462724685669},{"word":"a","start":177.91501,"end":177.995,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.41877156496047974},{"word":"bit","start":177.995,"end":178.155,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.39653632044792175},{"word":"of","start":178.155,"end":178.395,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4382284879684448},{"word":"a","start":178.395,"end":178.475,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4203937351703644},{"word":"read","start":178.475,"end":178.715,"confidence":0.9111328,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.33140355348587036},{"word":"over","start":178.715,"end":179.035,"confidence":0.9394531,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3825818002223969},{"word":"it","start":179.035,"end":179.195,"confidence":0.90234375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36940157413482666},{"word":"as","start":179.195,"end":179.355,"confidence":0.9951172,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3555370271205902},{"word":"well","start":179.355,"end":179.855,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2948819398880005},{"word":"so","start":182.475,"end":182.975,"confidence":0.77685547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.047907546162605286},{"word":"let","start":185.835,"end":186.075,"confidence":0.9580078,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.061670564115047455},{"word":"me","start":186.075,"end":186.235,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07078289240598679},{"word":"know","start":186.235,"end":186.55501,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05798270180821419},{"word":"if","start":186.55501,"end":186.715,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.045212022960186005},{"word":"you","start":186.715,"end":186.795,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0305540282279253},{"word":"can","start":186.795,"end":187.035,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03300001472234726},{"word":"see","start":187.035,"end":187.195,"confidence":0.99121094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.038830116391181946},{"word":"the","start":187.195,"end":187.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03058454394340515},{"word":"cover","start":187.435,"end":187.835,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.03195975720882416},{"word":"page","start":187.835,"end":188.335,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.035768695175647736},{"word":"where's","start":190.26001,"end":190.58,"confidence":0.6972656,"punctuated_word":"Where's","sentiment":"neutral","sentiment_score":0.012155961245298386},{"word":"the","start":190.58,"end":190.66,"confidence":0.88720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013949785381555556},{"word":"statement","start":190.66,"end":191.14001,"confidence":0.9980469,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.024621864780783653},{"word":"over","start":191.14001,"end":191.46,"confidence":0.7949219,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.019085301086306572},{"word":"the","start":191.46,"end":191.54001,"confidence":0.7421875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007849758490920067},{"word":"place","start":191.54001,"end":192.04001,"confidence":0.8918457,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.02814643830060959},{"word":"yep","start":194.18001,"end":194.68001,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25271135568618774},{"word":"perfect","start":194.82,"end":195.32,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5858665108680725},{"word":"now","start":196.5,"end":196.74,"confidence":0.6713867,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.5281780362129211},{"word":"it","start":196.74,"end":196.82,"confidence":0.99316406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5203329920768738},{"word":"is","start":196.82,"end":197.06001,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4872470796108246},{"word":"pretty","start":197.06001,"end":197.38,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5529948472976685},{"word":"straightforward","start":197.38,"end":197.88,"confidence":0.9970703,"punctuated_word":"straightforward.","sentiment":"positive","sentiment_score":0.4370100796222687},{"word":"it","start":198.18001,"end":198.42001,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3033648729324341},{"word":"is","start":198.42001,"end":198.66,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.261272668838501},{"word":"34","start":198.66,"end":199.22,"confidence":0.9980469,"punctuated_word":"34","sentiment":"neutral","sentiment_score":0.2782594561576843},{"word":"pages","start":199.22,"end":199.70001,"confidence":0.9946289,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.2674848437309265},{"word":"but","start":199.70001,"end":199.94,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.27546629309654236},{"word":"a","start":199.94,"end":200.02,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23835349082946777},{"word":"lot","start":200.02,"end":200.18001,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.22634169459342957},{"word":"of","start":200.18001,"end":200.34001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24254438281059265},{"word":"it","start":200.34001,"end":200.5,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23537571728229523},{"word":"is","start":200.5,"end":200.66,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21590456366539},{"word":"just","start":200.66,"end":200.90001,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2888867259025574},{"word":"for","start":200.90001,"end":201.06001,"confidence":0.8984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18852658569812775},{"word":"compliance","start":201.06001,"end":201.56001,"confidence":0.99609375,"punctuated_word":"compliance","sentiment":"positive","sentiment_score":0.37159597873687744},{"word":"purposes","start":201.62001,"end":202.1,"confidence":1.0,"punctuated_word":"purposes","sentiment":"neutral","sentiment_score":0.30071890354156494},{"word":"so","start":202.1,"end":202.26001,"confidence":0.984375,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3376947045326233},{"word":"that","start":202.26001,"end":202.42001,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40765804052352905},{"word":"you","start":202.42001,"end":202.66,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.441039502620697},{"word":"understand","start":202.66,"end":203.16,"confidence":1.0,"punctuated_word":"understand","sentiment":"positive","sentiment_score":0.3769480884075165},{"word":"everything","start":203.3,"end":203.8,"confidence":0.9863281,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.415966272354126},{"word":"and","start":204.235,"end":204.47499,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.35076454281806946},{"word":"every","start":204.47499,"end":204.555,"confidence":1.0,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.3455215394496918},{"word":"time","start":204.555,"end":204.875,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.27583080530166626},{"word":"we","start":204.875,"end":205.11499,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.35244670510292053},{"word":"do","start":205.11499,"end":205.275,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31109175086021423},{"word":"make","start":205.275,"end":205.595,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3544171452522278},{"word":"a","start":205.595,"end":206.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32221895456314087},{"word":"recommendation","start":206.075,"end":206.575,"confidence":0.99902344,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.3223714232444763},{"word":"on","start":207.355,"end":207.675,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29812994599342346},{"word":"financial","start":207.675,"end":208.075,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.2728286683559418},{"word":"products","start":208.075,"end":208.555,"confidence":0.9951172,"punctuated_word":"products","sentiment":"neutral","sentiment_score":0.204466849565506},{"word":"and","start":208.555,"end":208.635,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27860119938850403},{"word":"make","start":208.635,"end":208.955,"confidence":0.99609375,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3464547097682953},{"word":"tailored","start":208.955,"end":209.355,"confidence":0.98291016,"punctuated_word":"tailored","sentiment":"positive","sentiment_score":0.39402225613594055},{"word":"financial","start":209.355,"end":209.83499,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.34783685207366943},{"word":"advice","start":209.83499,"end":210.235,"confidence":0.9890137,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.3255937099456787},{"word":"we","start":210.235,"end":210.39499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.31112292408943176},{"word":"have","start":210.39499,"end":210.635,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.33269035816192627},{"word":"to","start":210.635,"end":210.715,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31555938720703125},{"word":"put","start":210.715,"end":210.955,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.33657366037368774},{"word":"everything","start":210.955,"end":211.275,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.28363683819770813},{"word":"in","start":211.275,"end":211.435,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2417032420635223},{"word":"the","start":211.435,"end":211.595,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30673646926879883},{"word":"statement","start":211.595,"end":211.995,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.328277587890625},{"word":"of","start":211.995,"end":212.155,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29854142665863037},{"word":"advice","start":212.155,"end":212.635,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.29769808053970337},{"word":"for","start":212.635,"end":212.795,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2898581326007843},{"word":"you","start":212.795,"end":213.295,"confidence":0.93652344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2858824133872986},{"word":"but","start":213.75499,"end":213.915,"confidence":0.7470703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.26745644211769104},{"word":"i'll","start":213.915,"end":214.155,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.31656429171562195},{"word":"try","start":214.155,"end":214.315,"confidence":0.99609375,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.34905052185058594},{"word":"to","start":214.315,"end":214.47499,"confidence":0.7915039,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3383246660232544},{"word":"keep","start":214.47499,"end":214.715,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.29333534836769104},{"word":"it","start":214.715,"end":214.875,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3408350944519043},{"word":"as","start":214.875,"end":215.11499,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3662741482257843},{"word":"as","start":215.11499,"end":215.275,"confidence":0.9941406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3617151379585266},{"word":"quick","start":215.275,"end":215.515,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.3294981122016907},{"word":"as","start":215.515,"end":215.75499,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3120417892932892},{"word":"i","start":215.75499,"end":215.915,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3787147402763366},{"word":"can","start":215.915,"end":216.155,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3576089143753052},{"word":"and","start":216.155,"end":216.39499,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2793709933757782},{"word":"cover","start":216.39499,"end":216.715,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.26980167627334595},{"word":"the","start":216.715,"end":216.875,"confidence":0.88671875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34216365218162537},{"word":"main","start":216.875,"end":217.275,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.3017725646495819},{"word":"points","start":217.275,"end":217.775,"confidence":0.8535156,"punctuated_word":"points.","sentiment":"neutral","sentiment_score":0.27820342779159546},{"word":"but","start":218.67,"end":218.91,"confidence":0.7182617,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.2622542381286621},{"word":"basically","start":218.91,"end":219.39,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.2437773793935776},{"word":"it","start":219.39,"end":219.47,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4053597450256348},{"word":"has","start":219.47,"end":219.70999,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.34216979146003723},{"word":"been","start":219.70999,"end":220.11,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.3687849640846253},{"word":"tailored","start":220.11,"end":220.61,"confidence":1.0,"punctuated_word":"tailored","sentiment":"positive","sentiment_score":0.4245726466178894},{"word":"specifically","start":220.67,"end":221.17,"confidence":0.99902344,"punctuated_word":"specifically","sentiment":"positive","sentiment_score":0.4540357887744904},{"word":"for","start":221.39,"end":221.55,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43583881855010986},{"word":"you","start":221.55,"end":222.05,"confidence":0.7824707,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.40390142798423767},{"word":"and","start":222.26999,"end":222.43,"confidence":0.94628906,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4187283515930176},{"word":"it","start":222.43,"end":222.51,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.44989851117134094},{"word":"is","start":222.51,"end":222.75,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33898016810417175},{"word":"my","start":222.75,"end":222.98999,"confidence":0.9980469,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3748743236064911},{"word":"recommendation","start":222.98999,"end":223.48999,"confidence":0.96850586,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.3277377188205719},{"word":"but","start":223.79,"end":223.95,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.21294736862182617},{"word":"at","start":223.95,"end":224.11,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16863425076007843},{"word":"the","start":224.11,"end":224.26999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2671816349029541},{"word":"end","start":224.26999,"end":224.43,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15693649649620056},{"word":"of","start":224.43,"end":224.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28325021266937256},{"word":"the","start":224.59,"end":224.67,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29965296387672424},{"word":"day","start":224.67,"end":224.98999,"confidence":0.99658203,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.24867895245552063},{"word":"it","start":224.98999,"end":225.15,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31953805685043335},{"word":"is","start":225.15,"end":225.31,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27157050371170044},{"word":"completely","start":225.31,"end":225.79,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.3168398439884186},{"word":"up","start":225.79,"end":225.95,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.236283540725708},{"word":"to","start":225.95,"end":226.11,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3000985383987427},{"word":"you","start":226.11,"end":226.34999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33241868019104004},{"word":"if","start":226.34999,"end":226.51,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3301372528076172},{"word":"you","start":226.51,"end":226.59,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28401684761047363},{"word":"would","start":226.59,"end":226.83,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2631726562976837},{"word":"like","start":226.83,"end":227.06999,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22799161076545715},{"word":"to","start":227.06999,"end":227.15,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2491188645362854},{"word":"go","start":227.15,"end":227.31,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2559962868690491},{"word":"ahead","start":227.31,"end":227.62999,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2612171173095703},{"word":"with","start":227.62999,"end":227.87,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2009332776069641},{"word":"the","start":227.87,"end":228.11,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27932044863700867},{"word":"the","start":228.11,"end":228.34999,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26369810104370117},{"word":"change","start":228.34999,"end":228.75,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.2841891348361969},{"word":"or","start":228.75,"end":228.91,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14361880719661713},{"word":"not","start":228.91,"end":229.41,"confidence":1.0,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.14698967337608335},{"word":"on","start":230.205,"end":230.44499,"confidence":0.99316406,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.14218583703041077},{"word":"the","start":230.44499,"end":230.605,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10817013680934906},{"word":"cover","start":230.605,"end":230.845,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07368354499340057},{"word":"page","start":230.845,"end":231.165,"confidence":0.9995117,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.11776235699653624},{"word":"you","start":231.165,"end":231.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11769437044858932},{"word":"can","start":231.325,"end":231.485,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12592458724975586},{"word":"also","start":231.485,"end":231.805,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10814625024795532},{"word":"see","start":231.805,"end":231.965,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10605955868959428},{"word":"my","start":231.965,"end":232.205,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09582628309726716},{"word":"details","start":232.205,"end":232.705,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.10801266878843307},{"word":"listed","start":232.765,"end":233.245,"confidence":0.98950195,"punctuated_word":"listed.","sentiment":"neutral","sentiment_score":0.13729850947856903},{"word":"you","start":233.245,"end":233.405,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11644697189331056},{"word":"can","start":233.405,"end":233.565,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14083726704120636},{"word":"see","start":233.565,"end":233.805,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13137023150920868},{"word":"my","start":233.805,"end":234.045,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12293802201747894},{"word":"authorized","start":234.045,"end":234.545,"confidence":0.99316406,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.11185192316770554},{"word":"representative","start":234.605,"end":235.105,"confidence":0.9980469,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.06978189200162888},{"word":"number","start":235.64499,"end":236.045,"confidence":0.9838867,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":0.1106102615594864},{"word":"and","start":236.045,"end":236.205,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10278066247701644},{"word":"i","start":236.205,"end":236.36499,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1153385192155838},{"word":"am","start":236.36499,"end":236.605,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.09425164759159088},{"word":"licensed","start":236.605,"end":237.00499,"confidence":0.9902344,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.09445292502641678},{"word":"under","start":237.00499,"end":237.405,"confidence":0.99316406,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.11513277888298036},{"word":"ocu","start":237.405,"end":237.885,"confidence":0.59313965,"punctuated_word":"OCU","sentiment":"neutral","sentiment_score":0.08310198038816452},{"word":"financial","start":237.885,"end":238.385,"confidence":0.9436035,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.10218319296836852},{"word":"now","start":240.36499,"end":240.86499,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08023273944854736},{"word":"second","start":241.08499,"end":241.405,"confidence":0.91748047,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.0820079818367958},{"word":"page","start":241.405,"end":241.905,"confidence":0.9970703,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.06557098776102066},{"word":"talks","start":241.98,"end":242.22,"confidence":0.9892578,"punctuated_word":"talks","sentiment":"neutral","sentiment_score":0.04172420501708984},{"word":"about","start":242.22,"end":242.45999,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04358702898025513},{"word":"the","start":242.45999,"end":242.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03018949180841446},{"word":"best","start":242.78,"end":243.09999,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.005381733179092407},{"word":"interest","start":243.09999,"end":243.5,"confidence":0.99609375,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.01009806990623474},{"word":"duty","start":243.5,"end":243.98,"confidence":0.9416504,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.047002650797367096},{"word":"you","start":243.98,"end":244.22,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.050145186483860016},{"word":"may","start":244.22,"end":244.45999,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.02274993062019348},{"word":"have","start":244.45999,"end":244.7,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03647296875715256},{"word":"heard","start":244.7,"end":244.94,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.004563629627227783},{"word":"of","start":244.94,"end":245.09999,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029109306633472443},{"word":"that","start":245.09999,"end":245.59999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03789594769477844},{"word":"before","start":245.65999,"end":246.15999,"confidence":0.795166,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.01637953519821167},{"word":"but","start":247.34,"end":247.58,"confidence":0.9448242,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.024978701025247577},{"word":"essentially","start":247.58,"end":248.08,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.017399493604898453},{"word":"it","start":248.14,"end":248.37999,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03302396833896637},{"word":"means","start":248.37999,"end":248.62,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.03114301711320877},{"word":"that","start":248.62,"end":248.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03652653098106384},{"word":"we","start":248.86,"end":249.09999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03383910655975342},{"word":"have","start":249.09999,"end":249.26,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06912589073181152},{"word":"to","start":249.26,"end":249.42,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029790952801704407},{"word":"act","start":249.42,"end":249.65999,"confidence":0.99902344,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.0010611563920974731},{"word":"in","start":249.65999,"end":249.9,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08288455009460449},{"word":"your","start":249.9,"end":250.22,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04010866582393646},{"word":"best","start":250.22,"end":250.62,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.04507046937942505},{"word":"interest","start":250.62,"end":251.12,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.09697496891021729},{"word":"at","start":251.18,"end":251.34,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09713469445705414},{"word":"all","start":251.34,"end":251.58,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07877151668071747},{"word":"times","start":251.58,"end":252.08,"confidence":0.72875977,"punctuated_word":"times,","sentiment":"neutral","sentiment_score":0.08002882450819016},{"word":"and","start":252.37999,"end":252.62,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08882522583007812},{"word":"the","start":252.62,"end":252.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12024077773094176},{"word":"advice","start":252.78,"end":253.26,"confidence":0.96777344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07163621485233307},{"word":"itself","start":253.26,"end":253.76,"confidence":0.99609375,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.10934151709079742},{"word":"has","start":253.9,"end":254.14,"confidence":0.9770508,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.11481615900993349},{"word":"to","start":254.14,"end":254.29999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08529949188232422},{"word":"put","start":254.29999,"end":254.45999,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08925369381904602},{"word":"you","start":254.45999,"end":254.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09572331607341766},{"word":"in","start":254.7,"end":254.86,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11811180412769318},{"word":"a","start":254.86,"end":254.94,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04189763963222504},{"word":"better","start":254.94,"end":255.26,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.02007994055747986},{"word":"position","start":255.26,"end":255.76,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.1175684928894043},{"word":"as","start":255.9,"end":256.06,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14032892882823944},{"word":"a","start":256.06,"end":256.22,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09234081208705902},{"word":"result","start":256.22,"end":256.72,"confidence":1.0,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.08706812560558319},{"word":"of","start":256.86,"end":257.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0871913731098175},{"word":"the","start":257.02,"end":257.18,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08148905634880066},{"word":"advice","start":257.18,"end":257.68,"confidence":0.9597168,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.02976847067475319},{"word":"otherwise","start":258.125,"end":258.445,"confidence":0.9995117,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.14918124675750732},{"word":"we","start":258.445,"end":258.685,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13354426622390747},{"word":"can't","start":258.685,"end":258.925,"confidence":0.982666,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1423313021659851},{"word":"actually","start":258.925,"end":259.32498,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.09014815837144852},{"word":"make","start":259.32498,"end":259.565,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.12707147002220154},{"word":"the","start":259.565,"end":259.88498,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07763358950614929},{"word":"recommendation","start":259.88498,"end":260.38498,"confidence":0.75927734,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":-0.12627780437469482},{"word":"does","start":260.76498,"end":261.005,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05453974008560181},{"word":"that","start":261.005,"end":261.16498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06054164469242096},{"word":"make","start":261.16498,"end":261.405,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01682351529598236},{"word":"sense","start":261.405,"end":261.905,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.006614807993173599},{"word":"yep","start":263.005,"end":263.505,"confidence":0.7171631,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14564070105552673},{"word":"perfect","start":263.645,"end":264.145,"confidence":0.96240234,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3735676109790802},{"word":"now","start":264.60498,"end":265.005,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12424426525831224},{"word":"as","start":265.005,"end":265.245,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0959673672914505},{"word":"you","start":265.245,"end":265.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1019662395119667},{"word":"scroll","start":265.805,"end":266.305,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.10896093398332596},{"word":"through","start":266.60498,"end":267.085,"confidence":0.99658203,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.1298660933971405},{"word":"you","start":267.085,"end":267.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0828668475151062},{"word":"will","start":267.245,"end":267.485,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0883755087852478},{"word":"see","start":267.485,"end":267.725,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09775766730308531},{"word":"a","start":267.725,"end":267.805,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07238976657390594},{"word":"couple","start":267.805,"end":268.125,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05357171222567558},{"word":"of","start":268.125,"end":268.365,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0551186166703701},{"word":"pages","start":268.365,"end":268.865,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.04660610482096672},{"word":"in","start":269.005,"end":269.245,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05906694754958153},{"word":"regards","start":269.245,"end":269.725,"confidence":0.9970703,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.05207923799753189},{"word":"to","start":269.725,"end":270.205,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08253443986177444},{"word":"scoping","start":270.205,"end":270.705,"confidence":0.99853516,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.0698140487074852},{"word":"in","start":271.085,"end":271.585,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06102863699197769},{"word":"and","start":272.16,"end":272.32,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040413398295640945},{"word":"scoping","start":272.32,"end":272.82,"confidence":1.0,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.06591587513685226},{"word":"out","start":272.96002,"end":273.46002,"confidence":0.99365234,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.06275112926959991},{"word":"basically","start":273.68002,"end":274.16,"confidence":0.9926758,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.04014590382575989},{"word":"what","start":274.16,"end":274.40002,"confidence":0.9482422,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05253231152892113},{"word":"that","start":274.40002,"end":274.64,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05716821178793907},{"word":"refers","start":274.64,"end":275.12003,"confidence":0.97802734,"punctuated_word":"refers","sentiment":"neutral","sentiment_score":0.04709125682711601},{"word":"to","start":275.12003,"end":275.36002,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06710909307003021},{"word":"is","start":275.36002,"end":275.52002,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06461693346500397},{"word":"the","start":275.52002,"end":275.68002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07937409728765488},{"word":"areas","start":275.68002,"end":276.08002,"confidence":0.9604492,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.11853650212287904},{"word":"we","start":276.08002,"end":276.24002,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08237673342227936},{"word":"are","start":276.24002,"end":276.40002,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06945547461509705},{"word":"touching","start":276.40002,"end":276.88,"confidence":0.71777344,"punctuated_word":"touching","sentiment":"neutral","sentiment_score":0.08417736738920212},{"word":"on","start":276.88,"end":277.2,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08586032688617706},{"word":"today","start":277.2,"end":277.7,"confidence":0.9655762,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.028798194602131844},{"word":"so","start":277.84003,"end":278.0,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2948392331600189},{"word":"like","start":278.0,"end":278.24002,"confidence":0.61083984,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3702474534511566},{"word":"i","start":278.24002,"end":278.40002,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3566337823867798},{"word":"said","start":278.40002,"end":278.64,"confidence":0.99658203,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.3758432865142822},{"word":"pretty","start":278.64,"end":279.04,"confidence":0.9951172,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5354337692260742},{"word":"straightforward","start":279.04,"end":279.54,"confidence":0.94506836,"punctuated_word":"straightforward.","sentiment":"positive","sentiment_score":0.3790355622768402},{"word":"the","start":280.40002,"end":280.64,"confidence":0.97998047,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4875883162021637},{"word":"main","start":280.64,"end":280.96002,"confidence":1.0,"punctuated_word":"main","sentiment":"positive","sentiment_score":0.4897404611110687},{"word":"focus","start":280.96002,"end":281.36002,"confidence":1.0,"punctuated_word":"focus","sentiment":"positive","sentiment_score":0.3896289467811585},{"word":"in","start":281.36002,"end":281.6,"confidence":0.98535156,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5932222604751587},{"word":"regards","start":281.6,"end":282.08002,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"positive","sentiment_score":0.4928780198097229},{"word":"to","start":282.08002,"end":282.24002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5690984725952148},{"word":"your","start":282.24002,"end":282.56,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6043902635574341},{"word":"superannuation","start":282.56,"end":283.06,"confidence":0.98706055,"punctuated_word":"superannuation,","sentiment":"positive","sentiment_score":0.4866182208061218},{"word":"making","start":284.16,"end":284.56,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5408785939216614},{"word":"sure","start":284.56,"end":285.04,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.6007577776908875},{"word":"we","start":285.04,"end":285.28,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5545759797096252},{"word":"have","start":285.28,"end":285.44,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6120001673698425},{"word":"you","start":285.44,"end":285.6,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6555461287498474},{"word":"in","start":285.6,"end":285.76,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6609202027320862},{"word":"the","start":285.76,"end":285.84003,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5578864812850952},{"word":"best","start":285.84003,"end":286.16,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4623247981071472},{"word":"investment","start":286.16,"end":286.66,"confidence":0.6879883,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3738285005092621},{"word":"possible","start":286.88,"end":287.38,"confidence":0.9941406,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.4742461740970611},{"word":"with","start":287.775,"end":288.035,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6159492135047913},{"word":"the","start":288.035,"end":288.29498,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5941689014434814},{"word":"what's","start":288.555,"end":288.815,"confidence":0.9880371,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.5488719344139099},{"word":"going","start":288.815,"end":289.055,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5676087141036987},{"word":"on","start":289.055,"end":289.295,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6169008016586304},{"word":"in","start":289.295,"end":289.45502,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5328563451766968},{"word":"the","start":289.45502,"end":289.615,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5220848321914673},{"word":"market","start":289.615,"end":290.115,"confidence":0.98168945,"punctuated_word":"market,","sentiment":"positive","sentiment_score":0.5499058961868286},{"word":"making","start":290.17502,"end":290.495,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6161073446273804},{"word":"sure","start":290.495,"end":290.73502,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.6766977906227112},{"word":"we","start":290.73502,"end":290.895,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6658573150634766},{"word":"can","start":290.895,"end":291.055,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.7021591067314148},{"word":"get","start":291.055,"end":291.295,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.7245226502418518},{"word":"you","start":291.295,"end":291.795,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6994279026985168},{"word":"the","start":292.815,"end":292.975,"confidence":0.9194336,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7264291048049927},{"word":"higher","start":292.975,"end":293.475,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.7032036185264587},{"word":"returns","start":293.535,"end":294.035,"confidence":0.8093262,"punctuated_word":"returns,","sentiment":"positive","sentiment_score":0.707217812538147},{"word":"also","start":294.655,"end":294.975,"confidence":0.9970703,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.6669093370437622},{"word":"with","start":294.975,"end":295.295,"confidence":0.8286133,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6746275424957275},{"word":"fees","start":295.295,"end":295.615,"confidence":0.89208984,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.5593937635421753},{"word":"and","start":295.615,"end":295.855,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.44419947266578674},{"word":"i've","start":295.855,"end":296.095,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5480977296829224},{"word":"also","start":296.095,"end":296.415,"confidence":0.99902344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.41694176197052},{"word":"just","start":296.415,"end":296.815,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5451529026031494},{"word":"included","start":296.815,"end":297.315,"confidence":1.0,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.5701730251312256},{"word":"estate","start":297.695,"end":298.015,"confidence":0.7519531,"punctuated_word":"estate","sentiment":"positive","sentiment_score":0.49627217650413513},{"word":"planning","start":298.015,"end":298.495,"confidence":1.0,"punctuated_word":"planning","sentiment":"positive","sentiment_score":0.5746640563011169},{"word":"in","start":298.495,"end":298.655,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4666807949542999},{"word":"regards","start":298.655,"end":299.055,"confidence":0.96972656,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.32240402698516846},{"word":"to","start":299.055,"end":299.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4255492389202118},{"word":"your","start":299.135,"end":299.45502,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43761029839515686},{"word":"insurances","start":299.45502,"end":299.95502,"confidence":0.7541504,"punctuated_word":"insurances,","sentiment":"positive","sentiment_score":0.4404385089874267},{"word":"making","start":300.975,"end":301.295,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4952894151210785},{"word":"sure","start":301.295,"end":301.535,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4836296737194062},{"word":"that's","start":301.535,"end":301.855,"confidence":0.9812012,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4508326947689056},{"word":"also","start":301.855,"end":302.335,"confidence":0.98535156,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4660633802413941},{"word":"set","start":302.335,"end":302.575,"confidence":0.9941406,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.4264827370643616},{"word":"up","start":302.575,"end":302.94,"confidence":0.9980469,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.39021262526512146},{"word":"we","start":303.42,"end":303.5,"confidence":0.9658203,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.4221599400043487},{"word":"have","start":303.5,"end":303.82,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.46347612142562866},{"word":"everything","start":303.82,"end":304.14,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.40730658173561096},{"word":"for","start":304.14,"end":304.3,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3907381296157837},{"word":"your","start":304.3,"end":304.62,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4318544864654541},{"word":"superannuation","start":304.62,"end":305.12,"confidence":0.9416504,"punctuated_word":"superannuation,","sentiment":"positive","sentiment_score":0.4204835593700409},{"word":"but","start":306.14,"end":306.38,"confidence":0.91748047,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3652309477329254},{"word":"just","start":306.38,"end":306.7,"confidence":0.9921875,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.39268746972084045},{"word":"included","start":306.7,"end":307.18,"confidence":0.9707031,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.4355545938014984},{"word":"that","start":307.18,"end":307.34,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4310852289199829},{"word":"for","start":307.34,"end":307.58002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3138604760169983},{"word":"your","start":307.58002,"end":307.82,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31215906143188477},{"word":"insurance","start":307.82,"end":308.32,"confidence":1.0,"punctuated_word":"insurance","sentiment":"positive","sentiment_score":0.3465164303779602},{"word":"as","start":308.38,"end":308.54,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.33638226985931396},{"word":"well","start":308.54,"end":308.86002,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3153993487358093},{"word":"okay","start":308.86002,"end":309.36002,"confidence":0.99853516,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.16530431807041168},{"word":"yep","start":310.78,"end":311.28,"confidence":0.94384766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15982338786125183},{"word":"otherwise","start":311.5,"end":311.98,"confidence":1.0,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.030187401920557026},{"word":"we're","start":311.98,"end":312.22,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.15019825100898743},{"word":"not","start":312.22,"end":312.46,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2494798004627228},{"word":"making","start":312.46,"end":312.7,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.3318779468536377},{"word":"any","start":312.7,"end":312.94,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.33170923590660095},{"word":"changes","start":312.94,"end":313.42,"confidence":1.0,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.4071654677391052},{"word":"in","start":313.42,"end":313.58002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3032885789871216},{"word":"regards","start":313.58002,"end":313.98,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.2798869013786316},{"word":"to","start":313.98,"end":314.14,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3250144124031067},{"word":"your","start":314.14,"end":314.3,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.3290052115917206},{"word":"insurance","start":314.3,"end":314.8,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2597056031227112},{"word":"cover","start":314.94,"end":315.34,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.24119718372821808},{"word":"or","start":315.34,"end":315.5,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.19726446270942688},{"word":"anything","start":315.5,"end":316.0,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.15119513869285583},{"word":"else","start":316.22,"end":316.7,"confidence":0.80737305,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.2724677324295044},{"word":"literally","start":316.7,"end":317.2,"confidence":1.0,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.191215842962265},{"word":"just","start":317.42,"end":317.66,"confidence":0.8491211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17566359043121338},{"word":"in","start":317.66,"end":317.82,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1753974407911301},{"word":"regards","start":317.82,"end":318.22,"confidence":0.98828125,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.11137663573026656},{"word":"to","start":318.22,"end":318.38,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14664651453495026},{"word":"those","start":318.38,"end":318.62,"confidence":0.9902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.047575876116752625},{"word":"super","start":318.62,"end":318.885,"confidence":0.7475586,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06638962030410767},{"word":"investments","start":319.045,"end":319.36502,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.016454793512821198},{"word":"we","start":319.36502,"end":319.685,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03282669186592102},{"word":"are","start":319.685,"end":319.765,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.020162314176559448},{"word":"focusing","start":319.765,"end":320.245,"confidence":1.0,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.006501547992229462},{"word":"on","start":320.245,"end":320.405,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11398927122354507},{"word":"today","start":320.405,"end":320.905,"confidence":0.99194336,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.043800972402095795},{"word":"now","start":322.565,"end":323.065,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0343911275267601},{"word":"if","start":323.445,"end":323.685,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.032045066356658936},{"word":"you","start":323.685,"end":323.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03081832453608513},{"word":"can","start":323.845,"end":324.165,"confidence":0.98291016,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03705611452460289},{"word":"scroll","start":324.165,"end":324.565,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.007075540721416473},{"word":"down","start":324.565,"end":325.065,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06124364212155342},{"word":"to","start":325.36502,"end":325.86502,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04250088706612587},{"word":"page","start":326.005,"end":326.505,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.030767373740673065},{"word":"let's","start":327.20502,"end":327.52502,"confidence":0.68725586,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.031028367578983307},{"word":"see","start":327.52502,"end":327.765,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0318872407078743},{"word":"here","start":327.765,"end":328.265,"confidence":0.8334961,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.032925885170698166},{"word":"10","start":329.125,"end":329.605,"confidence":0.94970703,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.04232612997293472},{"word":"for","start":329.605,"end":329.845,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.008366132155060768},{"word":"me","start":329.845,"end":330.165,"confidence":0.8847656,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.03452012687921524},{"word":"it","start":330.165,"end":330.325,"confidence":0.8925781,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04062519967556},{"word":"should","start":330.325,"end":330.565,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.04472966492176056},{"word":"talk","start":330.565,"end":330.80502,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.025415733456611633},{"word":"about","start":330.80502,"end":331.045,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03405798599123955},{"word":"your","start":331.045,"end":331.445,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013328082859516144},{"word":"risk","start":331.445,"end":331.845,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03483961522579193},{"word":"profile","start":331.845,"end":332.345,"confidence":1.0,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.030301623046398163},{"word":"yep","start":334.27,"end":334.77,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18534696102142337},{"word":"so","start":334.99,"end":335.23,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29183125495910645},{"word":"when","start":335.23,"end":335.39,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.4021119773387909},{"word":"we","start":335.39,"end":335.71,"confidence":0.74609375,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.3096705675125122},{"word":"obviously","start":336.11002,"end":336.51,"confidence":0.77612305,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.31239739060401917},{"word":"doing","start":336.51,"end":336.75,"confidence":0.8701172,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3760082721710205},{"word":"the","start":336.75,"end":336.91,"confidence":0.9301758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3201015293598175},{"word":"under","start":336.91,"end":337.15,"confidence":0.96875,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.25802671909332275},{"word":"review","start":337.15,"end":337.47,"confidence":0.9453125,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.16434945166110992},{"word":"where","start":337.47,"end":337.71,"confidence":0.87597656,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.17768053710460663},{"word":"we","start":337.71,"end":337.87,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2717120051383972},{"word":"talked","start":337.87,"end":338.19,"confidence":0.9863281,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.2214810699224472},{"word":"about","start":338.19,"end":338.59,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2414010614156723},{"word":"your","start":338.59,"end":338.75,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2677389979362488},{"word":"how","start":338.91,"end":339.07,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17406803369522095},{"word":"you","start":339.07,"end":339.23,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21781960129737857},{"word":"feel","start":339.23,"end":339.55002,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1358437538146973},{"word":"about","start":339.55002,"end":339.95,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.23267222940921783},{"word":"fluctuations","start":339.95,"end":340.45,"confidence":0.9970703,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.17097815871238708},{"word":"and","start":340.75,"end":340.99,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2972863018512726},{"word":"markets","start":340.99,"end":341.49,"confidence":0.77490234,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":0.250072181224823},{"word":"you","start":342.75,"end":342.99,"confidence":0.98291016,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5686187744140625},{"word":"were","start":342.99,"end":343.23,"confidence":0.9863281,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.5792344808578491},{"word":"quite","start":343.23,"end":343.47,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.6264273524284363},{"word":"happy","start":343.47,"end":343.95,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6376082897186279},{"word":"to","start":343.95,"end":344.43,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5914202928543091},{"word":"stay","start":344.43,"end":344.83002,"confidence":0.9921875,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.5725532174110413},{"word":"in","start":344.83002,"end":344.99,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5543183088302612},{"word":"a","start":344.99,"end":345.15,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5798681974411011},{"word":"high","start":345.15,"end":345.31,"confidence":0.99121094,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.47765862941741943},{"word":"growth","start":345.31,"end":345.675,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5746450424194336},{"word":"portfolio","start":346.07498,"end":346.57498,"confidence":0.9914551,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.4418286085128784},{"word":"you","start":347.115,"end":347.35498,"confidence":0.83935547,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.43633097410202026},{"word":"do","start":347.35498,"end":347.51498,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4382025897502899},{"word":"have","start":347.51498,"end":347.75497,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.46174320578575134},{"word":"plenty","start":347.75497,"end":348.07498,"confidence":1.0,"punctuated_word":"plenty","sentiment":"positive","sentiment_score":0.389500230550766},{"word":"of","start":348.07498,"end":348.315,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4308129549026489},{"word":"time","start":348.315,"end":348.555,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4521618187427521},{"word":"until","start":348.555,"end":349.055,"confidence":0.9892578,"punctuated_word":"until","sentiment":"positive","sentiment_score":0.4008925855159759},{"word":"retirement","start":349.19498,"end":349.69498,"confidence":0.99121094,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.351346492767334},{"word":"in","start":350.315,"end":350.47498,"confidence":0.97314453,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4106452167034149},{"word":"order","start":350.47498,"end":350.79498,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.2928295135498047},{"word":"to","start":350.79498,"end":350.955,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4794849157333374},{"word":"try","start":350.955,"end":351.115,"confidence":0.875,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.4668358862400055},{"word":"and","start":351.115,"end":351.275,"confidence":0.5776367,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.436921089887619},{"word":"focus","start":351.275,"end":351.675,"confidence":0.9941406,"punctuated_word":"focus","sentiment":"positive","sentiment_score":0.40979626774787903},{"word":"on","start":351.675,"end":351.835,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5902144908905029},{"word":"growing","start":351.835,"end":352.235,"confidence":1.0,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.6358934044837952},{"word":"your","start":352.235,"end":352.555,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6249962449073792},{"word":"superannuation","start":352.555,"end":353.055,"confidence":0.98567706,"punctuated_word":"superannuation","sentiment":"positive","sentiment_score":0.5394417643547058},{"word":"as","start":353.595,"end":353.75497,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4672044813632965},{"word":"much","start":353.75497,"end":354.07498,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.477553516626358},{"word":"as","start":354.07498,"end":354.395,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.425352931022644},{"word":"possible","start":354.395,"end":354.895,"confidence":0.9692383,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.3117844760417938},{"word":"so","start":356.07498,"end":356.315,"confidence":0.9326172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1199253797531128},{"word":"i","start":356.315,"end":356.47498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03845679759979248},{"word":"have","start":356.47498,"end":356.79498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06658466160297394},{"word":"not","start":356.79498,"end":356.955,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01647619903087616},{"word":"made","start":356.955,"end":357.19498,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.06565582752227783},{"word":"a","start":357.19498,"end":357.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06732766330242157},{"word":"change","start":357.435,"end":357.91498,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.2590261399745941},{"word":"in","start":357.91498,"end":358.155,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21124859154224396},{"word":"regards","start":358.155,"end":358.655,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.2832117974758148},{"word":"to","start":358.715,"end":358.955,"confidence":0.9614258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16178253293037417},{"word":"that","start":358.955,"end":359.115,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.024975739419460297},{"word":"we're","start":359.115,"end":359.435,"confidence":0.99316406,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.48774465918540955},{"word":"keeping","start":359.435,"end":359.835,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.5634926557540894},{"word":"you","start":359.835,"end":360.07498,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6325352191925049},{"word":"in","start":360.07498,"end":360.235,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5969735980033875},{"word":"a","start":360.235,"end":360.315,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5955358743667603},{"word":"high","start":360.315,"end":360.555,"confidence":0.99902344,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.514696478843689},{"word":"growth","start":360.555,"end":361.03497,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6001036167144775},{"word":"for","start":361.03497,"end":361.19498,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5373149514198303},{"word":"you","start":361.19498,"end":361.65,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.407573401927948},{"word":"now","start":361.97,"end":362.47,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3199739456176758},{"word":"what","start":362.53,"end":362.77,"confidence":0.9970703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3568389415740967},{"word":"that","start":362.77,"end":363.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2992384433746338},{"word":"looks","start":363.09,"end":363.49,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.22967451810836792},{"word":"like","start":363.49,"end":363.99,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.272225558757782},{"word":"is","start":364.05,"end":364.55,"confidence":0.8432617,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.2760852575302124},{"word":"in","start":364.93,"end":365.09,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2935386002063751},{"word":"terms","start":365.09,"end":365.33,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.23529213666915896},{"word":"of","start":365.33,"end":365.49,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2762022614479065},{"word":"the","start":365.49,"end":365.65,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26382213830947876},{"word":"asset","start":365.65,"end":366.05,"confidence":0.99902344,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.2691654860973358},{"word":"allocation","start":366.05,"end":366.55,"confidence":0.89990234,"punctuated_word":"allocation,","sentiment":"neutral","sentiment_score":0.2277599722146988},{"word":"is","start":367.00998,"end":367.49,"confidence":0.890625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22336646914482117},{"word":"around","start":367.49,"end":367.99,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.24331068992614743},{"word":"90","start":368.05,"end":368.53,"confidence":0.9980469,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.24965597689151764},{"word":"to","start":368.53,"end":368.77,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14793244004249573},{"word":"95","start":368.77,"end":369.72998,"confidence":0.9980469,"punctuated_word":"95","sentiment":"neutral","sentiment_score":0.2109793871641159},{"word":"in","start":369.72998,"end":369.97,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29020118713378906},{"word":"those","start":369.97,"end":370.37,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2460429072380066},{"word":"growth","start":370.37,"end":370.87,"confidence":0.94189453,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2854655385017395},{"word":"investments","start":371.00998,"end":371.50998,"confidence":0.80493164,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.21287521719932556},{"word":"like","start":372.28998,"end":372.53,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.27349716424942017},{"word":"the","start":372.53,"end":372.85,"confidence":0.82666016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3007967472076416},{"word":"international","start":372.85,"end":373.35,"confidence":0.9980469,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.2271917164325714},{"word":"shares","start":373.65,"end":374.15,"confidence":0.9411621,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.23195895552635193},{"word":"domestic","start":374.53,"end":375.03,"confidence":1.0,"punctuated_word":"domestic","sentiment":"neutral","sentiment_score":0.17534762620925903},{"word":"shares","start":375.25,"end":375.65,"confidence":0.984375,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.22424492239952087},{"word":"and","start":375.65,"end":375.88998,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19111253321170807},{"word":"also","start":375.88998,"end":376.28998,"confidence":0.9277344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.18742698431015015},{"word":"property","start":376.28998,"end":376.78998,"confidence":0.8132324,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.23772934079170227},{"word":"and","start":377.715,"end":377.955,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1812897622585297},{"word":"then","start":377.955,"end":378.19498,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13628004491329193},{"word":"about","start":378.19498,"end":378.59497,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1925641894340515},{"word":"five","start":378.59497,"end":378.835,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2507614493370056},{"word":"to","start":378.835,"end":379.07498,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.127446711063385},{"word":"10%","start":379.07498,"end":379.79498,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.27175837755203247},{"word":"in","start":379.79498,"end":379.955,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.207126185297966},{"word":"those","start":379.955,"end":380.275,"confidence":0.92578125,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2570089101791382},{"word":"defensive","start":380.275,"end":380.775,"confidence":0.61376953,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.10708746314048768},{"word":"limit","start":380.995,"end":381.47498,"confidence":0.21875,"punctuated_word":"Limit","sentiment":"neutral","sentiment_score":0.08475971221923828},{"word":"fluctuations","start":381.47498,"end":381.97498,"confidence":0.83740234,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.11488625407218932},{"word":"a","start":382.275,"end":382.435,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19108295440673828},{"word":"little","start":382.435,"end":382.59497,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14495030045509338},{"word":"bit","start":382.59497,"end":383.07498,"confidence":0.984375,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.14732250571250916},{"word":"but","start":383.07498,"end":383.395,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15112748742103577},{"word":"the","start":383.395,"end":383.555,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18672257661819455},{"word":"main","start":383.555,"end":384.03497,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.2667232155799866},{"word":"focus","start":384.03497,"end":384.435,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.25071850419044495},{"word":"is","start":384.435,"end":384.675,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3754794597625733},{"word":"to","start":384.675,"end":384.835,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35357025265693665},{"word":"grow","start":384.835,"end":385.155,"confidence":0.99902344,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.46043914556503296},{"word":"your","start":385.155,"end":385.395,"confidence":0.98095703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4986224472522736},{"word":"super","start":385.395,"end":385.79498,"confidence":0.96435547,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5940344929695129},{"word":"as","start":385.79498,"end":385.955,"confidence":0.984375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.429541528224945},{"word":"much","start":385.955,"end":386.115,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.48736411333084106},{"word":"as","start":386.115,"end":386.35498,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3792528510093689},{"word":"possible","start":386.35498,"end":386.85498,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.3064480125904083},{"word":"while","start":387.235,"end":387.47498,"confidence":0.93603516,"punctuated_word":"while","sentiment":"positive","sentiment_score":0.35422927141189575},{"word":"you","start":387.47498,"end":387.63498,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3511846959590912},{"word":"do","start":387.63498,"end":387.79498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2974010109901428},{"word":"have","start":387.79498,"end":387.955,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3367089033126831},{"word":"plenty","start":387.955,"end":388.275,"confidence":1.0,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.22600603103637695},{"word":"of","start":388.275,"end":388.51498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28033480048179626},{"word":"time","start":388.51498,"end":388.75497,"confidence":0.77441406,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.23572823405265808},{"word":"before","start":388.75497,"end":389.155,"confidence":0.9658203,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.24138250946998596},{"word":"the","start":389.155,"end":389.235,"confidence":0.6220703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16409599781036377},{"word":"time","start":389.235,"end":389.735,"confidence":0.9970703,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.14616358280181885},{"word":"make","start":392.0,"end":392.24,"confidence":0.5029297,"punctuated_word":"Make","sentiment":"neutral","sentiment_score":0.10404403507709505},{"word":"sense","start":392.24,"end":392.74,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.12560872733592987},{"word":"yep","start":393.84,"end":394.34,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13345865905284882},{"word":"now","start":394.64,"end":394.96,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15863575041294098},{"word":"what","start":394.96,"end":395.28,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1687709540128708},{"word":"that","start":395.28,"end":395.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11772272735834122},{"word":"actually","start":395.44,"end":395.76,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1332920789718628},{"word":"looks","start":395.76,"end":396.08,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.10124558210372923},{"word":"like","start":396.08,"end":396.32,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1086101084947586},{"word":"in","start":396.32,"end":396.48,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15040750801563263},{"word":"terms","start":396.48,"end":396.88,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1581186205148697},{"word":"of","start":396.88,"end":397.12,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1887105107307434},{"word":"the","start":397.12,"end":397.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16592547297477722},{"word":"recommendation","start":397.28,"end":397.78,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.21905246376991272},{"word":"is","start":398.08,"end":398.32,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1595105528831482},{"word":"if","start":398.32,"end":398.4,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16227637231349945},{"word":"you","start":398.4,"end":398.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10742968320846558},{"word":"wanna","start":398.56,"end":398.88,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11260190606117249},{"word":"scroll","start":398.88,"end":399.2,"confidence":0.99902344,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.07689030468463898},{"word":"to","start":399.2,"end":399.44,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08785838633775711},{"word":"page","start":399.44,"end":399.94,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0854756236076355},{"word":"12","start":400.08,"end":400.58,"confidence":0.85791016,"punctuated_word":"12.","sentiment":"neutral","sentiment_score":0.1294347047805786},{"word":"this","start":401.44,"end":401.94,"confidence":0.97265625,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.15953630208969116},{"word":"outlines","start":402.255,"end":402.73502,"confidence":0.9819336,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.1984000653028488},{"word":"what","start":402.73502,"end":402.89502,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.21561753749847412},{"word":"i","start":402.89502,"end":403.05502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2334059178829193},{"word":"have","start":403.05502,"end":403.535,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21612149477005005},{"word":"recommended","start":403.535,"end":404.035,"confidence":0.9812012,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.22071699798107147},{"word":"which","start":404.255,"end":404.415,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2031274437904358},{"word":"is","start":404.415,"end":404.65503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2048591822385788},{"word":"that","start":404.65503,"end":404.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1545974612236023},{"word":"you","start":404.975,"end":405.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1865886002779007},{"word":"stay","start":406.33502,"end":406.815,"confidence":0.8154297,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.1702456772327423},{"word":"in","start":406.815,"end":407.135,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1043754369020462},{"word":"hub","start":407.135,"end":407.45502,"confidence":0.61328125,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.117814302444458},{"word":"twenty","start":407.45502,"end":407.77502,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1461404263973236},{"word":"four","start":407.77502,"end":408.27502,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.13606074452400208},{"word":"and","start":408.415,"end":408.73502,"confidence":0.92578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12201870232820512},{"word":"literally","start":408.73502,"end":409.135,"confidence":0.93408203,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.1305682361125946},{"word":"just","start":409.135,"end":409.635,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1391054093837738},{"word":"change","start":409.695,"end":410.015,"confidence":0.9951172,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.13153719902038574},{"word":"your","start":410.015,"end":410.33502,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15797558426856995},{"word":"investments","start":410.33502,"end":410.83502,"confidence":0.7780762,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.09791405498981476},{"word":"so","start":411.135,"end":411.295,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2405470758676529},{"word":"part","start":411.295,"end":411.535,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.26408305764198303},{"word":"of","start":411.535,"end":411.77502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2779301702976227},{"word":"the","start":411.77502,"end":411.93503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21293732523918152},{"word":"research","start":411.93503,"end":412.415,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.16283053159713745},{"word":"is","start":412.415,"end":412.65503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21500782668590543},{"word":"i","start":412.65503,"end":412.73502,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29957202076911926},{"word":"did","start":412.73502,"end":413.05502,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2660828232765198},{"word":"consider","start":413.05502,"end":413.45502,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.1797303557395935},{"word":"a","start":413.45502,"end":413.535,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2340482473373413},{"word":"lot","start":413.535,"end":413.77502,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2762482166290283},{"word":"of","start":413.77502,"end":413.93503,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.205070361495018},{"word":"other","start":413.93503,"end":414.415,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1843734979629517},{"word":"alternative","start":414.415,"end":414.915,"confidence":0.98095703,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.12420612573623656},{"word":"super","start":415.21503,"end":415.535,"confidence":0.8833008,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.11146871745586397},{"word":"funds","start":415.535,"end":415.855,"confidence":0.9248047,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11039754003286362},{"word":"for","start":415.855,"end":416.015,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2695675492286682},{"word":"you","start":416.015,"end":416.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3018750548362732},{"word":"as","start":416.255,"end":416.415,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27196991443634033},{"word":"well","start":416.415,"end":416.915,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2608260214328766},{"word":"just","start":417.31,"end":417.55,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3296513557434082},{"word":"to","start":417.55,"end":417.63,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26127421855926514},{"word":"make","start":417.63,"end":417.87,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.25249210000038147},{"word":"sure","start":417.87,"end":418.11,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.24030256271362305},{"word":"that","start":418.11,"end":418.27,"confidence":0.97802734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2588178515434265},{"word":"hub","start":418.27,"end":418.50998,"confidence":0.7519531,"punctuated_word":"HUB","sentiment":"neutral","sentiment_score":0.19648462533950808},{"word":"twenty","start":418.50998,"end":418.75,"confidence":0.6953125,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.20489820837974548},{"word":"four","start":418.75,"end":418.99,"confidence":0.9951172,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.22509604692459104},{"word":"is","start":418.99,"end":419.15,"confidence":0.8588867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21674790978431704},{"word":"still","start":419.15,"end":419.38998,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.26910993456840515},{"word":"the","start":419.38998,"end":419.47,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17756906151771543},{"word":"best","start":419.47,"end":419.71,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.17933723330497742},{"word":"option","start":419.71,"end":420.21,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.16740208864212036},{"word":"for","start":420.27,"end":420.50998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2978764474391937},{"word":"you","start":420.50998,"end":421.00998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3256206810474396},{"word":"because","start":421.15,"end":421.47,"confidence":0.47094727,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2356364279985428},{"word":"there","start":421.47,"end":421.63,"confidence":0.94970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3291266858577728},{"word":"are","start":421.63,"end":421.79,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2742365598678589},{"word":"always","start":421.79,"end":422.03,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2870698869228363},{"word":"new","start":422.03,"end":422.35,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.17650380730628967},{"word":"products","start":422.35,"end":422.75,"confidence":0.9526367,"punctuated_word":"products","sentiment":"neutral","sentiment_score":0.15558427572250366},{"word":"and","start":422.75,"end":422.91,"confidence":0.9536133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3018415868282318},{"word":"features","start":422.91,"end":423.38998,"confidence":1.0,"punctuated_word":"features","sentiment":"neutral","sentiment_score":0.20640775561332703},{"word":"that","start":423.38998,"end":423.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30817532539367676},{"word":"comes","start":423.63,"end":423.87,"confidence":0.7246094,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.25320056080818176},{"word":"out","start":423.87,"end":424.19,"confidence":0.8654785,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.21123158931732175},{"word":"so","start":424.19,"end":424.35,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23795950412750244},{"word":"it","start":424.35,"end":424.59,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3195767402648926},{"word":"is","start":424.59,"end":424.75,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.289825439453125},{"word":"good","start":424.75,"end":425.07,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.32308468222618103},{"word":"to","start":425.07,"end":425.22998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3103082478046417},{"word":"assess","start":425.22998,"end":425.63,"confidence":0.99121094,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.3035350739955902},{"word":"and","start":425.63,"end":425.87,"confidence":0.56347656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29868096113204956},{"word":"making","start":425.87,"end":426.11,"confidence":0.99902344,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.34754547476768494},{"word":"sure","start":426.11,"end":426.35,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.36651918292045593},{"word":"we","start":426.35,"end":426.50998,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3840017318725586},{"word":"have","start":426.50998,"end":426.66998,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4387356638908386},{"word":"you","start":426.66998,"end":426.75,"confidence":0.8232422,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39502376317977905},{"word":"in","start":426.75,"end":426.91,"confidence":0.9941406,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3796800374984741},{"word":"the","start":426.91,"end":427.07,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3279765844345093},{"word":"best","start":427.07,"end":427.31,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.27103325724601746},{"word":"super","start":427.31,"end":427.71,"confidence":0.98828125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3463697135448456},{"word":"fund","start":427.71,"end":428.03,"confidence":0.90771484,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2468279004096985},{"word":"possible","start":428.03,"end":428.53,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.3171507716178894},{"word":"when","start":430.30502,"end":430.545,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3780510723590851},{"word":"we","start":430.545,"end":430.70502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3292827606201172},{"word":"do","start":430.70502,"end":430.945,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.374553918838501},{"word":"make","start":430.945,"end":431.185,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3419400453567505},{"word":"the","start":431.185,"end":431.42502,"confidence":0.9741211,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3861464262008667},{"word":"recommendation","start":431.42502,"end":431.92502,"confidence":0.97875977,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.028339065611362457},{"word":"but","start":432.625,"end":432.945,"confidence":0.9941406,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.36645543575286865},{"word":"for","start":432.945,"end":433.105,"confidence":0.99316406,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4423289895057678},{"word":"the","start":433.105,"end":433.265,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5370556116104126},{"word":"time","start":433.265,"end":433.505,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5098941326141357},{"word":"being","start":433.505,"end":433.825,"confidence":0.99902344,"punctuated_word":"being,","sentiment":"positive","sentiment_score":0.4576943516731262},{"word":"hub","start":433.825,"end":434.065,"confidence":0.5019531,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.6550512909889221},{"word":"twenty","start":434.065,"end":434.385,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.769247829914093},{"word":"four","start":434.385,"end":434.70502,"confidence":1.0,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.7955982089042664},{"word":"comes","start":434.70502,"end":434.86502,"confidence":1.0,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.7532587647438049},{"word":"out","start":434.86502,"end":435.36502,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7665407657623291},{"word":"very","start":435.505,"end":435.905,"confidence":0.9140625,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8122992515563965},{"word":"competitive","start":435.905,"end":436.405,"confidence":1.0,"punctuated_word":"competitive","sentiment":"positive","sentiment_score":0.6557393074035645},{"word":"when","start":436.545,"end":436.70502,"confidence":0.9980469,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6695069074630737},{"word":"it","start":436.70502,"end":436.86502,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6923331022262573},{"word":"comes","start":436.86502,"end":437.105,"confidence":1.0,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.6489604711532593},{"word":"to","start":437.105,"end":437.505,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6924055218696594},{"word":"fees","start":437.505,"end":438.005,"confidence":0.96875,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.6361631155014038},{"word":"features","start":438.46503,"end":438.96503,"confidence":0.9904785,"punctuated_word":"features,","sentiment":"positive","sentiment_score":0.589569628238678},{"word":"and","start":439.105,"end":439.42502,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6789569854736328},{"word":"available","start":439.42502,"end":439.92502,"confidence":1.0,"punctuated_word":"available","sentiment":"positive","sentiment_score":0.5340960621833801},{"word":"investment","start":440.065,"end":440.565,"confidence":0.98291016,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4176717698574066},{"word":"choices","start":440.86502,"end":441.36502,"confidence":0.78637695,"punctuated_word":"choices,","sentiment":"positive","sentiment_score":0.5379080772399902},{"word":"and","start":441.505,"end":441.74503,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.49660351872444153},{"word":"i","start":441.74503,"end":441.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.658560574054718},{"word":"do","start":441.825,"end":442.065,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5657026171684265},{"word":"use","start":442.065,"end":442.30502,"confidence":0.9980469,"punctuated_word":"use","sentiment":"positive","sentiment_score":0.6053729057312012},{"word":"hub","start":442.30502,"end":442.545,"confidence":0.97314453,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.5103932023048401},{"word":"twenty","start":442.545,"end":442.86502,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.650401771068573},{"word":"four","start":442.86502,"end":443.105,"confidence":0.9980469,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.6412763595581055},{"word":"for","start":443.105,"end":443.345,"confidence":0.89990234,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5102126598358154},{"word":"my","start":443.345,"end":443.58502,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6335524916648865},{"word":"personal","start":443.58502,"end":444.08502,"confidence":1.0,"punctuated_word":"personal","sentiment":"positive","sentiment_score":0.5536496043205261},{"word":"superannuation","start":444.14502,"end":444.64502,"confidence":0.9923503,"punctuated_word":"superannuation","sentiment":"positive","sentiment_score":0.5495540499687195},{"word":"as","start":445.02502,"end":445.185,"confidence":0.98828125,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5873839259147644},{"word":"well","start":445.185,"end":445.62,"confidence":0.9875488,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4529578685760498},{"word":"so","start":446.9,"end":447.3,"confidence":0.9135742,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3839690387248993},{"word":"for","start":447.3,"end":447.54,"confidence":0.9819336,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.39776259660720825},{"word":"the","start":447.54,"end":447.69998,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38702088594436646},{"word":"time","start":447.69998,"end":447.86,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3805515170097351},{"word":"being","start":447.86,"end":448.1,"confidence":0.99853516,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.3046935200691223},{"word":"i","start":448.1,"end":448.18,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4369922280311585},{"word":"have","start":448.18,"end":448.41998,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4706431031227112},{"word":"recommended","start":448.41998,"end":448.9,"confidence":0.9970703,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.5138334631919861},{"word":"that","start":448.9,"end":448.97998,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4075140953063965},{"word":"we","start":448.97998,"end":449.22,"confidence":0.99316406,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4441556930541992},{"word":"just","start":449.22,"end":449.62,"confidence":0.96240234,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.46178945899009705},{"word":"change","start":449.62,"end":450.12,"confidence":0.9902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.39184486865997314},{"word":"over","start":450.18,"end":450.5,"confidence":0.96875,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4132026433944702},{"word":"some","start":450.5,"end":450.74,"confidence":0.9951172,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3724833130836487},{"word":"of","start":450.74,"end":451.13998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39076223969459534},{"word":"the","start":451.13998,"end":451.46,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37045255303382874},{"word":"investments","start":451.46,"end":451.96,"confidence":0.7529297,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.21977171301841736},{"word":"now","start":453.06,"end":453.46,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4411936104297638},{"word":"i","start":453.46,"end":453.62,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5151240825653076},{"word":"usually","start":453.62,"end":454.12,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"positive","sentiment_score":0.5601004958152771},{"word":"find","start":454.26,"end":454.58,"confidence":1.0,"punctuated_word":"find","sentiment":"positive","sentiment_score":0.5737502574920654},{"word":"the","start":454.58,"end":454.9,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5438764095306396},{"word":"best","start":454.9,"end":455.38,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4487094581127167},{"word":"way","start":455.38,"end":455.86,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4891197979450226},{"word":"to","start":455.86,"end":456.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.565640926361084},{"word":"have","start":456.26,"end":456.41998,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5481144189834595},{"word":"a","start":456.41998,"end":456.58,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5551319122314453},{"word":"look","start":456.58,"end":456.9,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.4231942296028137},{"word":"at","start":456.9,"end":456.97998,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4721603393554687},{"word":"it","start":456.97998,"end":457.22,"confidence":0.9550781,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.45450538396835327},{"word":"so","start":457.22,"end":457.46,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5658617615699768},{"word":"even","start":457.46,"end":457.62,"confidence":1.0,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.4331779479980469},{"word":"though","start":457.62,"end":457.78,"confidence":0.9980469,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.30450689792633057},{"word":"if","start":457.78,"end":457.94,"confidence":0.9921875,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.539066731929779},{"word":"you","start":457.94,"end":458.1,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5457594394683838},{"word":"scroll","start":458.1,"end":458.475,"confidence":1.0,"punctuated_word":"scroll","sentiment":"positive","sentiment_score":0.3487315773963928},{"word":"through","start":458.475,"end":458.715,"confidence":0.9946289,"punctuated_word":"through,","sentiment":"positive","sentiment_score":0.35635244846343994},{"word":"you","start":458.715,"end":458.875,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.507714033126831},{"word":"will","start":458.875,"end":458.95502,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.458965003490448},{"word":"see","start":458.95502,"end":459.355,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.49914124608039856},{"word":"how","start":459.355,"end":459.595,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.5041417479515076},{"word":"this","start":459.595,"end":459.995,"confidence":0.99609375,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6201253533363342},{"word":"aligns","start":459.995,"end":460.475,"confidence":0.9946289,"punctuated_word":"aligns","sentiment":"positive","sentiment_score":0.5911441445350647},{"word":"with","start":460.475,"end":460.715,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6357315182685852},{"word":"your","start":460.715,"end":460.95502,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7106243371963501},{"word":"best","start":460.95502,"end":461.195,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.5741096138954163},{"word":"interest","start":461.195,"end":461.67502,"confidence":0.9951172,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.5457631945610046},{"word":"duty","start":461.67502,"end":461.915,"confidence":0.86865234,"punctuated_word":"duty","sentiment":"positive","sentiment_score":0.7211398482322693},{"word":"and","start":461.915,"end":462.075,"confidence":0.9770508,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6594035625457764},{"word":"how","start":462.075,"end":462.315,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.6660242676734924},{"word":"that","start":462.315,"end":462.475,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6652470231056213},{"word":"would","start":462.475,"end":462.635,"confidence":0.7373047,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.6581792831420898},{"word":"put","start":462.635,"end":462.795,"confidence":0.9951172,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.725223183631897},{"word":"you","start":462.795,"end":462.875,"confidence":0.8574219,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7511664032936096},{"word":"in","start":462.875,"end":463.035,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7104655504226685},{"word":"a","start":463.035,"end":463.11502,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6758100986480713},{"word":"better","start":463.11502,"end":463.435,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.4069213271141052},{"word":"position","start":463.435,"end":463.935,"confidence":0.9523926,"punctuated_word":"position,","sentiment":"positive","sentiment_score":0.565432071685791},{"word":"factoring","start":464.715,"end":465.215,"confidence":1.0,"punctuated_word":"factoring","sentiment":"positive","sentiment_score":0.5997207164764404},{"word":"in","start":465.275,"end":465.775,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5909470915794373},{"word":"investment","start":465.915,"end":466.39502,"confidence":0.9892578,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.38406112790107727},{"word":"objectives","start":466.39502,"end":466.89502,"confidence":0.9055176,"punctuated_word":"objectives,","sentiment":"positive","sentiment_score":0.469879537820816},{"word":"time","start":467.435,"end":467.835,"confidence":0.9790039,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3987012207508087},{"word":"frame","start":467.835,"end":468.335,"confidence":0.89208984,"punctuated_word":"frame,","sentiment":"positive","sentiment_score":0.37863636016845703},{"word":"capital","start":468.39502,"end":468.875,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.2721374034881592},{"word":"gains","start":468.875,"end":469.275,"confidence":0.98828125,"punctuated_word":"gains","sentiment":"positive","sentiment_score":0.3778609931468963},{"word":"tax","start":469.275,"end":469.775,"confidence":0.92456055,"punctuated_word":"tax,","sentiment":"positive","sentiment_score":0.4591943621635437},{"word":"and","start":470.075,"end":470.315,"confidence":0.5551758,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6131900548934937},{"word":"everything","start":470.315,"end":470.815,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5841919779777527},{"word":"for","start":470.95502,"end":471.195,"confidence":0.98291016,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5499463081359863},{"word":"you","start":471.195,"end":471.6,"confidence":0.83032227,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5044548511505127},{"word":"you","start":472.08002,"end":472.24002,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3217478096485138},{"word":"will","start":472.24002,"end":472.48,"confidence":0.9921875,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.36076194047927856},{"word":"also","start":472.48,"end":472.80002,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1945850700139999},{"word":"see","start":472.80002,"end":473.12,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4338506758213043},{"word":"some","start":473.12,"end":473.44,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17909178137779236},{"word":"advantages","start":473.44,"end":473.94,"confidence":0.98779297,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.20139266550540924},{"word":"disadvantages","start":474.24002,"end":474.74002,"confidence":0.98583984,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.01482369564473629},{"word":"and","start":475.28,"end":475.52002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.035759180784225464},{"word":"risks","start":475.52002,"end":475.92,"confidence":0.60498047,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.03323625028133392},{"word":"to","start":475.92,"end":476.16,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0865938812494278},{"word":"be","start":476.16,"end":476.32,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.05122695863246918},{"word":"mindful","start":476.32,"end":476.82,"confidence":1.0,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":0.002687200903892517},{"word":"of","start":476.88,"end":477.38,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18918591737747192},{"word":"as","start":477.68,"end":477.84,"confidence":0.64990234,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17453540861606598},{"word":"well","start":477.84,"end":478.08002,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1410788893699646},{"word":"as","start":478.08002,"end":478.56,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1972738355398178},{"word":"alternatives","start":478.56,"end":479.06,"confidence":0.9633789,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.146452859044075},{"word":"considered","start":479.28,"end":479.78,"confidence":0.95092773,"punctuated_word":"considered.","sentiment":"neutral","sentiment_score":0.19792664051055908},{"word":"but","start":480.32,"end":480.48,"confidence":0.8828125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2139568328857422},{"word":"i","start":480.48,"end":480.64,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2922995984554291},{"word":"usually","start":480.64,"end":481.04,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"positive","sentiment_score":0.3440779447555542},{"word":"find","start":481.04,"end":481.28,"confidence":1.0,"punctuated_word":"find","sentiment":"positive","sentiment_score":0.3685044050216675},{"word":"the","start":481.28,"end":481.44,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2873544692993164},{"word":"best","start":481.44,"end":481.76,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2422606498003006},{"word":"way","start":481.76,"end":481.92,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.3147067427635193},{"word":"to","start":481.92,"end":482.16,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3892051875591278},{"word":"look","start":482.16,"end":482.32,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.3869056403636933},{"word":"at","start":482.32,"end":482.48,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.39620673656463623},{"word":"it","start":482.48,"end":482.64,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3798067569732666},{"word":"is","start":482.64,"end":482.88,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.40861427783966064},{"word":"if","start":482.88,"end":483.04,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4715673923492432},{"word":"you","start":483.04,"end":483.2,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37534961104393005},{"word":"want","start":483.2,"end":483.44,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.32329341769218445},{"word":"to","start":483.44,"end":483.6,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37151211500167847},{"word":"scroll","start":483.6,"end":483.92,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.23063285648822784},{"word":"down","start":483.92,"end":484.16,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2962203621864319},{"word":"to","start":484.16,"end":484.32,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3057063817977905},{"word":"page","start":484.32,"end":484.80002,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.22573328018188477},{"word":"15","start":484.80002,"end":485.28,"confidence":0.99902344,"punctuated_word":"15","sentiment":"positive","sentiment_score":0.41210222244262695},{"word":"for","start":485.28,"end":485.52002,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3114836513996124},{"word":"me","start":485.52002,"end":485.84,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.3261018991470337},{"word":"first","start":485.84,"end":486.34,"confidence":0.76123047,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":0.3195176124572754},{"word":"and","start":489.47498,"end":489.715,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23668047785758972},{"word":"you","start":489.715,"end":489.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2858802378177643},{"word":"should","start":489.875,"end":490.275,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3230127990245819},{"word":"have","start":490.275,"end":490.675,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32986897230148315},{"word":"a","start":490.675,"end":490.91498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2949916124343872},{"word":"fee","start":490.91498,"end":491.235,"confidence":0.90771484,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.1820320785045624},{"word":"comparison","start":491.235,"end":491.735,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.22807542979717255},{"word":"table","start":491.955,"end":492.435,"confidence":1.0,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.1575656533241272},{"word":"can","start":492.435,"end":492.675,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.09556008130311966},{"word":"you","start":492.675,"end":492.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11686202883720398},{"word":"see","start":492.835,"end":493.07498,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1151270642876625},{"word":"that","start":493.07498,"end":493.57498,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1073332205414772},{"word":"yep","start":494.995,"end":495.395,"confidence":0.845459,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3277226686477661},{"word":"perfect","start":495.395,"end":495.875,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6996954679489136},{"word":"so","start":495.875,"end":496.03497,"confidence":0.88183594,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.4125832319259643},{"word":"basically","start":496.03497,"end":496.35498,"confidence":1.0,"punctuated_word":"basically,","sentiment":"positive","sentiment_score":0.3706035017967224},{"word":"what","start":496.35498,"end":496.51498,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3894971907138825},{"word":"you","start":496.51498,"end":496.75497,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36583423614501953},{"word":"scroll","start":496.75497,"end":496.995,"confidence":0.97314453,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.27652984857559204},{"word":"through","start":496.995,"end":497.235,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3201964199542999},{"word":"is","start":497.235,"end":497.395,"confidence":0.9448242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23670867085456848},{"word":"kinda","start":497.395,"end":497.63498,"confidence":0.6801758,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.35321131348609924},{"word":"what","start":497.63498,"end":497.79498,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.28663140535354614},{"word":"i'll","start":497.79498,"end":498.03497,"confidence":0.87158203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3038721978664398},{"word":"touch","start":498.03497,"end":498.35498,"confidence":0.9970703,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.39852431416511536},{"word":"on","start":498.35498,"end":498.835,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4133259057998657},{"word":"here","start":498.835,"end":499.155,"confidence":0.9970703,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.446514368057251},{"word":"for","start":499.155,"end":499.315,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3912123739719391},{"word":"you","start":499.315,"end":499.47498,"confidence":0.9736328,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.32403963804244995},{"word":"and","start":499.47498,"end":499.63498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2588304579257965},{"word":"then","start":499.63498,"end":499.875,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.29802027344703674},{"word":"you","start":499.875,"end":499.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28759822249412537},{"word":"can","start":499.955,"end":500.115,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28493496775627136},{"word":"go","start":500.115,"end":500.275,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34192806482315063},{"word":"and","start":500.275,"end":500.435,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3089432120323181},{"word":"have","start":500.435,"end":500.595,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3233976662158966},{"word":"a","start":500.595,"end":500.75497,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35473349690437317},{"word":"read","start":500.75497,"end":500.995,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2628570795059204},{"word":"over","start":500.995,"end":501.235,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3238474130630493},{"word":"it","start":501.235,"end":501.57,"confidence":0.98706055,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2669920027256012},{"word":"but","start":501.81,"end":502.05002,"confidence":0.9428711,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18534380197525024},{"word":"like","start":502.05002,"end":502.29,"confidence":0.91503906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15593311190605164},{"word":"i","start":502.29,"end":502.37,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23249799013137817},{"word":"said","start":502.37,"end":502.69,"confidence":1.0,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.20115643739700317},{"word":"i","start":502.69,"end":502.85,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37304800748825073},{"word":"have","start":502.85,"end":503.01,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3967161178588867},{"word":"recommended","start":503.01,"end":503.49002,"confidence":1.0,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.4586004614830017},{"word":"that","start":503.49002,"end":503.65,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3601131737232208},{"word":"you","start":503.65,"end":503.89,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39627182483673096},{"word":"stay","start":503.89,"end":504.21002,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.34106338024139404},{"word":"in","start":504.21002,"end":504.53,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3520893454551697},{"word":"hub","start":504.53,"end":504.77002,"confidence":0.53466797,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.32207247614860535},{"word":"24","start":504.77002,"end":505.49002,"confidence":0.99902344,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.4646936655044556},{"word":"and","start":505.49002,"end":505.81,"confidence":0.99609375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36224186420440674},{"word":"change","start":505.81,"end":506.13,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.2924276888370514},{"word":"your","start":506.13,"end":506.53,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3986653685569763},{"word":"investment","start":506.53,"end":507.03,"confidence":0.8959961,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.23504269123077393},{"word":"now","start":507.89,"end":508.29,"confidence":1.0,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.35891255736351013},{"word":"what","start":508.29,"end":508.53,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3838840126991272},{"word":"that","start":508.53,"end":508.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3201201558113098},{"word":"actually","start":508.85,"end":509.35,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.29968810081481934},{"word":"looks","start":509.49002,"end":509.81,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2927374243736267},{"word":"like","start":509.81,"end":510.21002,"confidence":0.97924805,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2769927382469177},{"word":"you","start":510.21002,"end":510.37,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35963326692581177},{"word":"can","start":510.37,"end":510.61002,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.366046130657196},{"word":"see","start":510.61002,"end":510.85,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.39571112394332886},{"word":"the","start":510.85,"end":511.25,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31491968035697937},{"word":"change","start":511.25,"end":511.73,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.3473883867263794},{"word":"here","start":511.73,"end":512.23,"confidence":0.99560547,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.3257249593734741},{"word":"so","start":512.45,"end":512.61,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5802181959152222},{"word":"you","start":512.61,"end":512.77,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.651814341545105},{"word":"can","start":512.77,"end":513.01,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6713677644729614},{"word":"see","start":513.01,"end":513.17,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6576806902885437},{"word":"that","start":513.17,"end":513.41003,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6938163042068481},{"word":"the","start":513.41003,"end":513.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.747389018535614},{"word":"investment","start":513.65,"end":514.15,"confidence":1.0,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.5352541208267212},{"word":"fee","start":514.45,"end":514.95,"confidence":0.9941406,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.7359033823013306},{"word":"is","start":515.325,"end":515.48505,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6994756460189819},{"word":"actually","start":515.48505,"end":515.98505,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7538667917251587},{"word":"reduced","start":516.04504,"end":516.525,"confidence":1.0,"punctuated_word":"reduced","sentiment":"positive","sentiment_score":0.6188702583312988},{"word":"by","start":516.525,"end":516.765,"confidence":0.9951172,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.7404502630233765},{"word":"quite","start":516.765,"end":517.005,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.8000734448432922},{"word":"a","start":517.005,"end":517.16504,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8127161264419556},{"word":"lot","start":517.16504,"end":517.66504,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.7991793155670166},{"word":"by","start":518.04504,"end":518.36505,"confidence":0.99316406,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.687086820602417},{"word":"changing","start":518.36505,"end":518.86505,"confidence":1.0,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.7020232677459717},{"word":"your","start":518.92505,"end":519.245,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7021386027336121},{"word":"investment","start":519.245,"end":519.745,"confidence":0.95410156,"punctuated_word":"investment.","sentiment":"positive","sentiment_score":0.5278010368347168},{"word":"so","start":520.04504,"end":520.205,"confidence":0.9951172,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7498260140419006},{"word":"it","start":520.205,"end":520.445,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7656124830245972},{"word":"will","start":520.445,"end":520.685,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.7740917801856995},{"word":"save","start":520.685,"end":521.005,"confidence":1.0,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.6417199373245239},{"word":"you","start":521.005,"end":521.16504,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7482288479804993},{"word":"about","start":521.16504,"end":521.645,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.7033796906471252},{"word":"$384","start":521.645,"end":523.745,"confidence":0.9995117,"punctuated_word":"$384","sentiment":"positive","sentiment_score":0.6979410648345947},{"word":"per","start":524.685,"end":524.92505,"confidence":0.8676758,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.7028259634971619},{"word":"year","start":524.92505,"end":525.405,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.7440510392189026},{"word":"in","start":525.405,"end":525.645,"confidence":0.8911133,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6851477026939392},{"word":"just","start":525.645,"end":525.965,"confidence":0.9970703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6351058483123779},{"word":"investment","start":525.965,"end":526.465,"confidence":0.99316406,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4314298629760742},{"word":"fees","start":526.60504,"end":527.085,"confidence":0.99609375,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5838000774383545},{"word":"alone","start":527.085,"end":527.585,"confidence":0.9980469,"punctuated_word":"alone.","sentiment":"positive","sentiment_score":0.5728005766868591},{"word":"now","start":529.70996,"end":530.20996,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23426729440689087},{"word":"the","start":530.35,"end":530.50995,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17982470989227295},{"word":"one","start":530.50995,"end":530.75,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1438487023115158},{"word":"thing","start":530.75,"end":530.99,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06747523695230484},{"word":"to","start":530.99,"end":531.14996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04738409072160721},{"word":"be","start":531.14996,"end":531.31,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.032751888036727905},{"word":"mindful","start":531.31,"end":531.79,"confidence":1.0,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.06554736942052841},{"word":"of","start":531.79,"end":532.11,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.039939165115356445},{"word":"is","start":532.11,"end":532.50995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0005219802260398865},{"word":"if","start":532.50995,"end":532.91,"confidence":0.9472656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.020206362009048465},{"word":"the","start":532.91,"end":533.23,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03007637709379196},{"word":"top","start":533.23,"end":533.63,"confidence":0.984375,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0018567591905593872},{"word":"where","start":533.63,"end":533.87,"confidence":0.8154297,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.030174963176250454},{"word":"you","start":533.87,"end":533.94995,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01048203557729721},{"word":"see","start":533.94995,"end":534.19,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.011936984956264496},{"word":"balance","start":534.19,"end":534.67,"confidence":0.98828125,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.027541860938072205},{"word":"difference","start":534.67,"end":535.14996,"confidence":0.9970703,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.02492203563451767},{"word":"and","start":535.14996,"end":535.31,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012286975979804993},{"word":"you","start":535.31,"end":535.55,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04827696084976196},{"word":"see","start":535.55,"end":535.94995,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05655565112829208},{"word":"$5,550","start":535.94995,"end":537.70996,"confidence":0.9755249,"punctuated_word":"$5,550.","sentiment":"neutral","sentiment_score":0.06026279553771019},{"word":"can","start":537.70996,"end":537.87,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.0015164539217948914},{"word":"you","start":537.87,"end":538.02997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00945376604795456},{"word":"see","start":538.02997,"end":538.26996,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02722382545471191},{"word":"that","start":538.26996,"end":538.76996,"confidence":0.9909668,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.007629083469510078},{"word":"like","start":542.285,"end":542.445,"confidence":0.85791016,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.0064187608659267426},{"word":"the","start":542.445,"end":542.765,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00395752489566803},{"word":"first","start":542.765,"end":543.245,"confidence":0.9370117,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.015763312578201294},{"word":"row","start":543.245,"end":543.645,"confidence":0.9970703,"punctuated_word":"row","sentiment":"neutral","sentiment_score":0.01689392328262329},{"word":"where","start":543.645,"end":543.885,"confidence":0.9658203,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.00527707114815712},{"word":"it","start":543.885,"end":543.96497,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.014604788273572922},{"word":"says","start":543.96497,"end":544.285,"confidence":0.99609375,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.006401658058166504},{"word":"balance","start":544.285,"end":544.785,"confidence":0.9433594,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.008440418168902397},{"word":"the","start":551.725,"end":552.045,"confidence":0.76660156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.005377165973186493},{"word":"difference","start":552.045,"end":552.52496,"confidence":0.97509766,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.005232103168964386},{"word":"column","start":552.52496,"end":553.02496,"confidence":0.9926758,"punctuated_word":"column.","sentiment":"neutral","sentiment_score":0.00016134418547153473},{"word":"yep","start":554.94995,"end":555.44995,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11726422607898712},{"word":"now","start":555.58997,"end":556.06995,"confidence":0.9873047,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.014692284166812897},{"word":"what","start":556.06995,"end":556.38995,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004852086305618286},{"word":"that","start":556.38995,"end":556.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0068289488554000854},{"word":"is","start":556.79,"end":557.29,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.033140458166599274},{"word":"is","start":557.35,"end":557.58997,"confidence":0.8691406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.001262865960597992},{"word":"that","start":557.58997,"end":557.99,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016033120453357697},{"word":"when","start":557.99,"end":558.23,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0040403008460998535},{"word":"you","start":558.23,"end":558.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026986688375473022},{"word":"do","start":558.47,"end":558.97,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0020303726196289062},{"word":"sell","start":559.11,"end":559.61,"confidence":0.9921875,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.005753912031650543},{"word":"investments","start":559.82996,"end":560.32996,"confidence":0.5551758,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0112750306725502},{"word":"or","start":560.47,"end":560.70996,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.027273952960968018},{"word":"any","start":560.70996,"end":561.02997,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.018937990069389343},{"word":"investments","start":561.02997,"end":561.52997,"confidence":0.85424805,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.004822835326194763},{"word":"there","start":562.38995,"end":562.70996,"confidence":0.7636719,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.017202995717525482},{"word":"are","start":562.70996,"end":563.20996,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07112760096788406},{"word":"capital","start":563.26996,"end":563.76996,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.13262620568275452},{"word":"gains","start":563.82996,"end":564.23,"confidence":0.9707031,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.03472036123275757},{"word":"tax","start":564.23,"end":564.70996,"confidence":0.9902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.024699971079826355},{"word":"applicable","start":564.70996,"end":565.20996,"confidence":0.98168945,"punctuated_word":"applicable.","sentiment":"neutral","sentiment_score":0.001518934965133667},{"word":"so","start":566.32495,"end":566.64496,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08343922346830368},{"word":"that's","start":566.64496,"end":567.045,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0666237324476242},{"word":"the","start":567.045,"end":567.20496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030867531895637512},{"word":"same","start":567.20496,"end":567.685,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.06497947871685028},{"word":"in","start":567.685,"end":568.08496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10994437336921692},{"word":"a","start":568.08496,"end":568.32495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17598137259483335},{"word":"super","start":568.32495,"end":568.805,"confidence":0.9838867,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3726837635040283},{"word":"environment","start":568.805,"end":569.305,"confidence":0.97265625,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.21916300058364868},{"word":"when","start":569.445,"end":569.605,"confidence":0.984375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14061705768108368},{"word":"you","start":569.605,"end":569.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22233664989471436},{"word":"sell","start":569.845,"end":570.245,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.15058809518814087},{"word":"investments","start":570.245,"end":570.745,"confidence":0.6184082,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.11517404019832612},{"word":"so","start":571.445,"end":571.685,"confidence":0.74316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10738583654165268},{"word":"i've","start":571.685,"end":571.925,"confidence":0.982666,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13598155975341797},{"word":"tried","start":571.925,"end":572.245,"confidence":0.9863281,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.152046799659729},{"word":"to","start":572.245,"end":572.40497,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1503608524799347},{"word":"keep","start":572.40497,"end":572.64496,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11456534266471864},{"word":"this","start":572.64496,"end":573.045,"confidence":0.9770508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.008458971977233887},{"word":"as","start":573.045,"end":573.365,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16261227428913116},{"word":"little","start":573.365,"end":573.865,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10137851536273956},{"word":"as","start":573.925,"end":574.165,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17455357313156128},{"word":"possible","start":574.165,"end":574.665,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.16148236393928528},{"word":"for","start":574.805,"end":575.045,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17619255185127258},{"word":"you","start":575.045,"end":575.445,"confidence":0.8840332,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.06932034343481064},{"word":"now","start":575.445,"end":575.685,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07204154133796692},{"word":"by","start":575.685,"end":575.925,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.08277405053377151},{"word":"doing","start":575.925,"end":576.40497,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1074276566505432},{"word":"a","start":576.40497,"end":576.64496,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15517860651016235},{"word":"full","start":576.64496,"end":576.885,"confidence":0.9970703,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.14383576810359955},{"word":"switch","start":576.885,"end":577.20496,"confidence":0.859375,"punctuated_word":"switch,","sentiment":"neutral","sentiment_score":0.10782723128795624},{"word":"so","start":577.20496,"end":577.445,"confidence":0.9160156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12336978316307068},{"word":"if","start":577.445,"end":577.605,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13347363471984863},{"word":"i","start":577.605,"end":577.685,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10620180517435074},{"word":"were","start":577.685,"end":577.925,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.07021243125200272},{"word":"to","start":577.925,"end":578.005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11813777685165404},{"word":"sell","start":578.005,"end":578.32495,"confidence":0.9980469,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.03301092982292175},{"word":"all","start":578.32495,"end":578.485,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04268288239836693},{"word":"your","start":578.485,"end":578.725,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07248855382204056},{"word":"investments","start":578.725,"end":579.225,"confidence":0.9790039,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0030304305255413055},{"word":"and","start":579.365,"end":579.605,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025808237493038177},{"word":"change","start":579.605,"end":579.925,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.022851571440696716},{"word":"them","start":579.925,"end":580.425,"confidence":0.9970703,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.0007400792092084885},{"word":"the","start":580.89996,"end":581.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08498218655586243},{"word":"full","start":581.14,"end":581.64,"confidence":0.9970703,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.00932648777961731},{"word":"capital","start":581.7,"end":582.18,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.06918132305145264},{"word":"gains","start":582.18,"end":582.58,"confidence":0.7836914,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.03609267622232437},{"word":"tax","start":582.58,"end":583.06,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.01864362508058548},{"word":"that","start":583.06,"end":583.3,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01369740068912506},{"word":"would","start":583.3,"end":583.62,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04484838992357254},{"word":"be","start":583.62,"end":584.1,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06050696223974228},{"word":"applicable","start":584.1,"end":584.6,"confidence":0.99902344,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":0.05098533630371094},{"word":"would","start":584.74,"end":584.98,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.005376853048801422},{"word":"be","start":584.98,"end":585.22,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04007783532142639},{"word":"about","start":585.22,"end":585.7,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.025390632450580597},{"word":"1,635","start":585.7,"end":588.52,"confidence":0.9989537,"punctuated_word":"1,635.","sentiment":"neutral","sentiment_score":0.020456140860915184},{"word":"so","start":588.89996,"end":589.14,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05197557061910629},{"word":"i've","start":589.14,"end":589.3,"confidence":0.99194336,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1647714078426361},{"word":"tried","start":589.3,"end":589.54,"confidence":0.9941406,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.24713477492332456},{"word":"to","start":589.54,"end":589.77997,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17143023014068604},{"word":"reduce","start":589.77997,"end":590.18,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.05124351382255554},{"word":"that","start":590.18,"end":590.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029218271374702457},{"word":"as","start":590.5,"end":590.66,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12463447451591492},{"word":"much","start":590.66,"end":590.89996,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.11057524383068083},{"word":"as","start":590.89996,"end":591.14,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1756252497434616},{"word":"possible","start":591.14,"end":591.64,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.04858756065368652},{"word":"while","start":591.7,"end":592.02,"confidence":0.9086914,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.2389560043811798},{"word":"still","start":592.02,"end":592.42,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3436099588871002},{"word":"making","start":592.42,"end":592.74,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.41594329476356506},{"word":"sure","start":592.74,"end":593.14,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4482983946800232},{"word":"we","start":593.14,"end":593.38,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5274286866188049},{"word":"switch","start":593.38,"end":593.77997,"confidence":0.9536133,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.5222505927085876},{"word":"the","start":593.77997,"end":594.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6483033299446106},{"word":"investment","start":594.02,"end":594.52,"confidence":0.68847656,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.4258670210838318},{"word":"that","start":595.615,"end":595.855,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.661702036857605},{"word":"we","start":595.855,"end":596.015,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5764970779418945},{"word":"want","start":596.015,"end":596.415,"confidence":0.99609375,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.5894025564193726},{"word":"to","start":596.415,"end":596.575,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5918854475021362},{"word":"put","start":596.575,"end":596.815,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.6964683532714844},{"word":"you","start":596.815,"end":596.975,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7191945314407349},{"word":"in","start":596.975,"end":597.055,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6851074695587158},{"word":"the","start":597.055,"end":597.21497,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.631519615650177},{"word":"best","start":597.21497,"end":597.615,"confidence":0.99902344,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4871903955936432},{"word":"position","start":597.615,"end":598.115,"confidence":0.9980469,"punctuated_word":"position.","sentiment":"positive","sentiment_score":0.43829602003097534},{"word":"it","start":598.735,"end":598.89496,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2161905467510223},{"word":"is","start":598.89496,"end":599.055,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12532922625541687},{"word":"something","start":599.055,"end":599.375,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.24191200733184817},{"word":"i","start":599.375,"end":599.535,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1332927644252777},{"word":"want","start":599.535,"end":599.77496,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.104105144739151},{"word":"you","start":599.77496,"end":599.935,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09702428430318832},{"word":"to","start":599.935,"end":600.095,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05076102167367935},{"word":"be","start":600.095,"end":600.255,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.020094551146030423},{"word":"mindful","start":600.255,"end":600.65497,"confidence":1.0,"punctuated_word":"mindful","sentiment":"neutral","sentiment_score":-0.03481897711753845},{"word":"of","start":600.65497,"end":600.815,"confidence":0.923584,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.044293276965618134},{"word":"though","start":600.815,"end":601.135,"confidence":0.984375,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.04705429449677467},{"word":"and","start":601.135,"end":601.295,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019451163709163662},{"word":"it","start":601.295,"end":601.535,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.055638909339904785},{"word":"does","start":601.535,"end":601.935,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.012835152447223663},{"word":"fluctuate","start":601.935,"end":602.435,"confidence":0.9941406,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":-0.0375700443983078},{"word":"on","start":602.65497,"end":602.815,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05543818324804306},{"word":"a","start":602.815,"end":602.975,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04310568794608116},{"word":"daily","start":602.975,"end":603.375,"confidence":0.97314453,"punctuated_word":"daily.","sentiment":"neutral","sentiment_score":-0.08176130801439285},{"word":"obviously","start":603.375,"end":603.77496,"confidence":0.9980469,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.02648654207587242},{"word":"it","start":603.77496,"end":603.855,"confidence":0.8017578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01736084371805191},{"word":"would","start":603.855,"end":604.015,"confidence":0.9838867,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04902983456850052},{"word":"market","start":604.015,"end":604.415,"confidence":0.9316406,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.005957350134849548},{"word":"fluctuations","start":604.415,"end":604.915,"confidence":0.9941406,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.005813561379909515},{"word":"on","start":605.45496,"end":605.615,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.002710118889808655},{"word":"the","start":605.615,"end":605.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038722291588783264},{"word":"investment","start":605.935,"end":606.435,"confidence":0.9133301,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.002685897052288055},{"word":"but","start":607.23,"end":607.31,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0747862234711647},{"word":"it","start":607.31,"end":607.47,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04366457462310791},{"word":"will","start":607.47,"end":607.79,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10541116446256638},{"word":"be","start":607.79,"end":608.11,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1007760539650917},{"word":"around","start":608.11,"end":608.61,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0978384092450142},{"word":"550","start":608.75,"end":610.13,"confidence":0.9404907,"punctuated_word":"550,","sentiment":"neutral","sentiment_score":0.13199207186698914},{"word":"and","start":610.19,"end":610.43,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1586962342262268},{"word":"that","start":610.43,"end":610.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18256136775016785},{"word":"will","start":610.67,"end":610.91,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1978580802679062},{"word":"come","start":610.91,"end":611.07,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.1932334899902344},{"word":"out","start":611.07,"end":611.31,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14718776941299438},{"word":"directly","start":611.31,"end":611.81,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.1809605211019516},{"word":"from","start":611.95,"end":612.27,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12372487038373949},{"word":"your","start":612.27,"end":612.67,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2383984923362732},{"word":"superannuation","start":612.67,"end":613.17,"confidence":0.99316406,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.17612196505069733},{"word":"when","start":613.55,"end":613.79,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.16227084398269653},{"word":"we","start":613.79,"end":613.95,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2457101345062256},{"word":"do","start":613.95,"end":614.27,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2314530313014984},{"word":"make","start":614.27,"end":614.51,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.21508806943893433},{"word":"the","start":614.51,"end":614.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22133728861808777},{"word":"investment","start":614.67,"end":615.17,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06985582411289215},{"word":"change","start":615.31,"end":615.81,"confidence":0.9897461,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.16337575018405914},{"word":"so","start":616.03,"end":616.19,"confidence":0.88183594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1767563372850418},{"word":"it's","start":616.19,"end":616.35,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24316661059856415},{"word":"not","start":616.35,"end":616.59,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.178229421377182},{"word":"something","start":616.59,"end":616.91,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.23725944757461548},{"word":"that","start":616.91,"end":617.15,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29146721959114075},{"word":"you","start":617.15,"end":617.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27661988139152527},{"word":"would","start":617.39,"end":617.63,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.23630109429359436},{"word":"have","start":617.63,"end":617.87,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19434231519699097},{"word":"to","start":617.87,"end":618.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.102680042386055},{"word":"pay","start":618.03,"end":618.27,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.011945337057113647},{"word":"for","start":618.27,"end":618.59,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.158865287899971},{"word":"yourself","start":618.59,"end":618.99,"confidence":0.93652344,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.20707625150680545},{"word":"and","start":618.99,"end":619.15,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2006216198205948},{"word":"you","start":619.15,"end":619.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22551289200782776},{"word":"don't","start":619.31,"end":619.55,"confidence":0.92407227,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1656661331653595},{"word":"have","start":619.55,"end":619.71,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1331516057252884},{"word":"to","start":619.71,"end":619.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05264726281166077},{"word":"declare","start":619.95,"end":620.27,"confidence":0.9838867,"punctuated_word":"declare","sentiment":"neutral","sentiment_score":0.03130645304918289},{"word":"it","start":620.27,"end":620.75,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10009241104125977},{"word":"on","start":620.75,"end":620.91,"confidence":0.87060547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008948802947998047},{"word":"tax","start":620.91,"end":621.15,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.01701517403125763},{"word":"returns","start":621.15,"end":621.55,"confidence":0.99609375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.013479992747306824},{"word":"or","start":621.55,"end":621.71,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04722164571285248},{"word":"anything","start":621.71,"end":622.11,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.05934315174818039},{"word":"like","start":622.11,"end":622.35,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.034250907599925995},{"word":"that","start":622.35,"end":622.725,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07333517074584961},{"word":"does","start":622.805,"end":622.88495,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.18195199966430664},{"word":"that","start":622.88495,"end":623.20496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2817520499229431},{"word":"make","start":623.20496,"end":623.70496,"confidence":0.9819336,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2004418522119522},{"word":"sense","start":624.805,"end":625.20496,"confidence":0.9824219,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.15289734303951263},{"word":"yep","start":625.20496,"end":625.70496,"confidence":0.80859375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1845683306455612},{"word":"now","start":626.40497,"end":626.805,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.24696944653987885},{"word":"what","start":626.805,"end":627.045,"confidence":0.9902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3399505913257599},{"word":"that","start":627.045,"end":627.285,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29643094539642334},{"word":"also","start":627.285,"end":627.76495,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2201128602027893},{"word":"looks","start":627.76495,"end":628.08496,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.23290570080280304},{"word":"like","start":628.08496,"end":628.40497,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23904938995838165},{"word":"in","start":628.40497,"end":628.64496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2190929353237152},{"word":"terms","start":628.64496,"end":628.96497,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1716344803571701},{"word":"of","start":628.96497,"end":629.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22311578691005707},{"word":"the","start":629.125,"end":629.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1800965964794159},{"word":"return","start":629.365,"end":629.865,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.19514839351177216},{"word":"difference","start":630.165,"end":630.665,"confidence":0.9814453,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.1613776683807373},{"word":"you","start":630.725,"end":630.96497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2997738718986511},{"word":"can","start":630.96497,"end":631.20496,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.28769949078559875},{"word":"see","start":631.20496,"end":631.365,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2869623005390167},{"word":"here","start":631.365,"end":631.605,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2608073949813843},{"word":"it's","start":631.605,"end":631.76495,"confidence":0.80322266,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.262016624212265},{"word":"quite","start":631.76495,"end":632.08496,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.1879427433013916},{"word":"substantial","start":632.08496,"end":632.58496,"confidence":1.0,"punctuated_word":"substantial","sentiment":"neutral","sentiment_score":0.1975494921207428},{"word":"actually","start":632.805,"end":633.125,"confidence":0.6538086,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.35220417380332947},{"word":"when","start":633.125,"end":633.365,"confidence":0.9707031,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3706753253936768},{"word":"we","start":633.365,"end":633.44495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3035876154899597},{"word":"are","start":633.44495,"end":633.685,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28050366044044495},{"word":"looking","start":633.685,"end":634.005,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.24256691336631775},{"word":"at","start":634.005,"end":634.165,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21775127947330475},{"word":"a","start":634.165,"end":634.32495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.266437292098999},{"word":"five","start":634.32495,"end":634.64496,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.22286401689052585},{"word":"year","start":634.64496,"end":634.96497,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.24118170142173767},{"word":"rolling","start":634.96497,"end":635.44495,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.2154549211263657},{"word":"average","start":635.44495,"end":635.94,"confidence":0.9946289,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.21269242465496063},{"word":"so","start":636.5,"end":636.66,"confidence":0.9707031,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3428042531013489},{"word":"even","start":636.66,"end":636.9,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.33000117540359497},{"word":"though","start":636.9,"end":637.22003,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.18807584047317505},{"word":"they","start":637.22003,"end":637.38,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3379085063934326},{"word":"are","start":637.38,"end":637.62,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3506931960582733},{"word":"both","start":637.62,"end":637.94,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.26565009355545044},{"word":"a","start":637.94,"end":638.18,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3737604022026062},{"word":"high","start":638.18,"end":638.5,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.23297753930091855},{"word":"growth","start":638.5,"end":639.0,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2673264145851135},{"word":"portfolio","start":639.14,"end":639.64,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2522326409816742},{"word":"the","start":640.5,"end":640.74,"confidence":0.9760742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5821895599365234},{"word":"recommended","start":640.74,"end":641.24,"confidence":0.99609375,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.623898446559906},{"word":"has","start":641.54,"end":641.94,"confidence":0.9951172,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5296951532363892},{"word":"outperformed","start":641.94,"end":642.44,"confidence":0.9975586,"punctuated_word":"outperformed","sentiment":"positive","sentiment_score":0.539644718170166},{"word":"your","start":642.98,"end":643.38,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5946020483970642},{"word":"current","start":643.38,"end":643.86,"confidence":1.0,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.47125548124313354},{"word":"portfolio","start":643.86,"end":644.36,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2926538288593292},{"word":"by","start":644.5,"end":644.82,"confidence":0.9970703,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4331645965576172},{"word":"by","start":644.82,"end":645.14,"confidence":0.9951172,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3525417447090149},{"word":"quite","start":645.14,"end":645.38,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.22583824396133423},{"word":"a","start":645.38,"end":645.54,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33775758743286133},{"word":"bit","start":645.54,"end":646.04,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.21893660724163055},{"word":"now","start":646.26,"end":646.42,"confidence":0.90527344,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.17125266790390015},{"word":"obviously","start":646.42,"end":646.82,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.11720316857099532},{"word":"we","start":646.82,"end":646.98,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1746518313884735},{"word":"can't","start":646.98,"end":647.38,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.06366729736328125},{"word":"guarantee","start":647.38,"end":647.88,"confidence":0.99902344,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":-0.1243159994482994},{"word":"what","start":648.26,"end":648.5,"confidence":0.9658203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05315089225769043},{"word":"is","start":648.5,"end":648.66,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.041056931018829346},{"word":"going","start":648.66,"end":648.98,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.07888209819793701},{"word":"to","start":648.98,"end":649.14,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09071743488311768},{"word":"happen","start":649.14,"end":649.54,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.009434133768081663},{"word":"in","start":649.54,"end":649.78,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.020077407360076904},{"word":"the","start":649.78,"end":650.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040354035794734955},{"word":"market","start":650.02,"end":650.5,"confidence":0.9482422,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.08282425999641418},{"word":"and","start":650.5,"end":650.74,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01103021204471588},{"word":"in","start":650.74,"end":650.9,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0037259459495544434},{"word":"the","start":650.9,"end":651.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03556095063686371},{"word":"world","start":651.06,"end":651.56,"confidence":0.967041,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":-0.01220196858048439},{"word":"but","start":651.66504,"end":651.745,"confidence":0.91845703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.027555078268051147},{"word":"that","start":651.745,"end":651.98505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039287954568862915},{"word":"is","start":651.98505,"end":652.22504,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.056466445326805115},{"word":"also","start":652.22504,"end":652.72504,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06840646266937256},{"word":"why","start":652.86505,"end":653.36505,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.04000896215438843},{"word":"we","start":653.42505,"end":653.92505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17078906297683716},{"word":"like","start":653.98505,"end":654.22504,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1849229633808136},{"word":"to","start":654.22504,"end":654.465,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17107242345809937},{"word":"use","start":654.465,"end":654.78503,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.1283535361289978},{"word":"a","start":654.78503,"end":655.10504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1809978187084198},{"word":"five","start":655.10504,"end":655.42505,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.16550558805465698},{"word":"year","start":655.42505,"end":655.825,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.19511833786964417},{"word":"rolling","start":655.825,"end":656.22504,"confidence":0.99609375,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.1613309234380722},{"word":"average","start":656.22504,"end":656.72504,"confidence":0.8149414,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.0941362977027893},{"word":"because","start":657.34503,"end":657.745,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1202605813741684},{"word":"using","start":657.745,"end":658.065,"confidence":0.99902344,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.22876834869384768},{"word":"a","start":658.065,"end":658.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26905548572540283},{"word":"five","start":658.305,"end":658.54504,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2443968802690506},{"word":"year","start":658.54504,"end":658.945,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.22132444381713867},{"word":"time","start":658.945,"end":659.10504,"confidence":0.9873047,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.23149847984313965},{"word":"frame","start":659.10504,"end":659.585,"confidence":0.99902344,"punctuated_word":"frame","sentiment":"neutral","sentiment_score":0.2960224449634552},{"word":"gives","start":659.585,"end":659.905,"confidence":0.95947266,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.17549462616443634},{"word":"us","start":659.905,"end":660.065,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.22831636667251587},{"word":"a","start":660.065,"end":660.305,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18351687490940097},{"word":"little","start":660.305,"end":660.54504,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1380697786808014},{"word":"bit","start":660.54504,"end":660.86505,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13736501336097717},{"word":"more","start":660.86505,"end":661.185,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11449974775314332},{"word":"certainty","start":661.185,"end":661.685,"confidence":0.9970703,"punctuated_word":"certainty","sentiment":"neutral","sentiment_score":0.061555445194244385},{"word":"of","start":661.905,"end":661.98505,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12622305750846863},{"word":"what","start":661.98505,"end":662.22504,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1726323366165161},{"word":"has","start":662.22504,"end":662.54504,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.16053426265716553},{"word":"happened","start":662.54504,"end":663.04504,"confidence":0.9921875,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.1999911218881607},{"word":"in","start":663.10504,"end":663.265,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2346692681312561},{"word":"the","start":663.265,"end":663.42505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24882349371910095},{"word":"market","start":663.42505,"end":663.825,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2510497570037842},{"word":"and","start":663.825,"end":664.145,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1820571720600128},{"word":"the","start":664.145,"end":664.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20692503452301023},{"word":"portfolio","start":664.385,"end":664.885,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.12669409811496735},{"word":"than","start":665.70996,"end":665.87,"confidence":0.9790039,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.19173738360404968},{"word":"if","start":665.87,"end":666.02997,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11353464424610138},{"word":"we","start":666.02997,"end":666.43,"confidence":0.99853516,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.10577470064163208},{"word":"for","start":666.43,"end":666.67,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03512502461671829},{"word":"example","start":666.67,"end":667.07,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.06250359863042831},{"word":"use","start":667.07,"end":667.39,"confidence":0.9951172,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.08292800933122635},{"word":"a","start":667.39,"end":667.55,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09790363907814026},{"word":"twelve","start":667.55,"end":667.95,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.0455741360783577},{"word":"month","start":667.95,"end":668.26996,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.05011295527219772},{"word":"period","start":668.26996,"end":668.75,"confidence":0.91186523,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.06026723235845566},{"word":"because","start":668.75,"end":669.23,"confidence":0.9951172,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05661441013216973},{"word":"depending","start":669.23,"end":669.70996,"confidence":0.9951172,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.12787482142448425},{"word":"on","start":669.70996,"end":669.87,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12354204803705215},{"word":"when","start":669.87,"end":670.11,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08796566724777222},{"word":"we","start":670.11,"end":670.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10714226961135864},{"word":"use","start":670.35,"end":670.58997,"confidence":0.86328125,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.08448661863803864},{"word":"that","start":670.58997,"end":670.83,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.126911461353302},{"word":"twelve","start":670.83,"end":671.14996,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.04927462339401245},{"word":"month","start":671.14996,"end":671.39,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.05213199555873871},{"word":"period","start":671.39,"end":671.89,"confidence":0.9951172,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.07618149369955063},{"word":"some","start":672.35,"end":672.51,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.028604112565517426},{"word":"years","start":672.51,"end":672.75,"confidence":0.84375,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.019083581864833832},{"word":"it","start":672.75,"end":672.91,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05475921928882599},{"word":"would","start":672.91,"end":673.07,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.056354306638240814},{"word":"have","start":673.07,"end":673.23,"confidence":0.8857422,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1050037071108818},{"word":"looked","start":673.23,"end":673.47,"confidence":0.98828125,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.07443106919527054},{"word":"like","start":673.47,"end":673.70996,"confidence":0.98095703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05574147403240204},{"word":"you've","start":673.70996,"end":673.87,"confidence":0.9145508,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09364263713359831},{"word":"won","start":673.87,"end":674.11,"confidence":0.9980469,"punctuated_word":"won","sentiment":"neutral","sentiment_score":0.08170536160469055},{"word":"the","start":674.11,"end":674.19,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08105434477329254},{"word":"lottery","start":674.19,"end":674.69,"confidence":0.85839844,"punctuated_word":"lottery,","sentiment":"neutral","sentiment_score":0.07255309075117111},{"word":"whereas","start":674.75,"end":675.23,"confidence":0.99902344,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.03841925039887428},{"word":"other","start":675.23,"end":675.47,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.14094842970371246},{"word":"years","start":675.47,"end":675.95,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.11492939293384552},{"word":"are","start":675.95,"end":676.11,"confidence":0.9633789,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.111029215157032},{"word":"not","start":676.11,"end":676.35,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1686015427112579},{"word":"as","start":676.35,"end":676.67,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13961778581142426},{"word":"great","start":676.67,"end":677.17,"confidence":0.96069336,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":-0.06408858299255371},{"word":"so","start":677.565,"end":677.725,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0953446701169014},{"word":"that's","start":677.725,"end":677.845,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15291796624660492},{"word":"why","start":677.845,"end":677.965,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.11509799212217332},{"word":"we","start":677.965,"end":678.365,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23003053665161133},{"word":"like","start":678.365,"end":678.685,"confidence":0.85253906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24989932775497437},{"word":"to","start":678.685,"end":678.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28169727325439453},{"word":"use","start":678.765,"end":679.165,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.19625288248062137},{"word":"a","start":679.165,"end":679.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24572411179542544},{"word":"five","start":679.485,"end":679.885,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2174458205699921},{"word":"year","start":679.885,"end":680.205,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2657739520072937},{"word":"rolling","start":680.205,"end":680.705,"confidence":0.9980469,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.2026929259300232},{"word":"average","start":680.765,"end":681.245,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.18533356487751007},{"word":"when","start":681.245,"end":681.405,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.3036113977432251},{"word":"we","start":681.405,"end":681.565,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23304183781147003},{"word":"are","start":681.565,"end":681.805,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2630978524684906},{"word":"looking","start":681.805,"end":682.125,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2483258843421936},{"word":"at","start":682.125,"end":682.365,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2235584706068039},{"word":"forecasting","start":682.365,"end":682.865,"confidence":0.9970703,"punctuated_word":"forecasting","sentiment":"neutral","sentiment_score":0.21002225577831268},{"word":"and","start":683.485,"end":683.645,"confidence":0.5107422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20345310866832733},{"word":"historical","start":683.645,"end":684.145,"confidence":0.9951172,"punctuated_word":"historical","sentiment":"neutral","sentiment_score":0.1896266937255859},{"word":"yeah","start":685.005,"end":685.405,"confidence":0.7492676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20229828357696533},{"word":"does","start":685.405,"end":685.565,"confidence":0.45703125,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.17140820622444153},{"word":"that","start":685.565,"end":685.885,"confidence":0.91259766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21951106190681455},{"word":"make","start":685.885,"end":686.125,"confidence":0.89453125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15093500912189484},{"word":"sense","start":686.125,"end":686.625,"confidence":0.98217773,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1433476358652115},{"word":"yeah","start":687.965,"end":688.285,"confidence":0.75927734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06110674142837525},{"word":"do","start":688.285,"end":688.445,"confidence":0.8964844,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01214410364627838},{"word":"you","start":688.445,"end":688.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02588375099003315},{"word":"have","start":688.605,"end":688.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.008222151547670364},{"word":"any","start":688.765,"end":689.005,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.00361793115735054},{"word":"questions","start":689.005,"end":689.405,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.001792803406715393},{"word":"in","start":689.405,"end":689.565,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004166446626186371},{"word":"regards","start":689.565,"end":689.965,"confidence":0.99316406,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.0027856118977069855},{"word":"to","start":689.965,"end":690.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010276924818754196},{"word":"this","start":690.285,"end":690.525,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0048826709389686584},{"word":"table","start":690.525,"end":691.025,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.024734970182180405},{"word":"otherwise","start":691.085,"end":691.585,"confidence":0.87719727,"punctuated_word":"otherwise?","sentiment":"neutral","sentiment_score":0.0011351238936185837},{"word":"no","start":695.5,"end":695.74,"confidence":0.9069824,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20492470264434817},{"word":"no","start":695.74,"end":696.06,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2182483077049255},{"word":"that's","start":696.06,"end":696.3,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.22661691904067993},{"word":"okay","start":696.3,"end":696.8,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1156301349401474},{"word":"yeah","start":698.13995,"end":698.63995,"confidence":0.75805664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002606667578220367},{"word":"no","start":699.42,"end":699.92,"confidence":0.9802246,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01715950295329094},{"word":"that's","start":700.13995,"end":700.54,"confidence":0.83496094,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1993725299835205},{"word":"perfectly","start":700.54,"end":701.04,"confidence":1.0,"punctuated_word":"perfectly","sentiment":"neutral","sentiment_score":0.2326931655406952},{"word":"fine","start":701.25995,"end":701.75995,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.15502339601516724},{"word":"now","start":702.06,"end":702.37994,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.16307948529720306},{"word":"on","start":702.37994,"end":702.54,"confidence":0.9838867,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15393789112567902},{"word":"your","start":702.54,"end":702.77997,"confidence":0.9116211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1466156244277954},{"word":"scroll","start":702.77997,"end":703.01996,"confidence":0.86621094,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.15541547536849976},{"word":"to","start":703.01996,"end":703.18,"confidence":0.92822266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14963087439537048},{"word":"the","start":703.18,"end":703.42,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14385084807872772},{"word":"next","start":703.42,"end":703.74,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10163551568984984},{"word":"page","start":703.74,"end":704.24,"confidence":0.99902344,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.1024986132979393},{"word":"you","start":704.37994,"end":704.54,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13669343292713165},{"word":"can","start":704.54,"end":704.77997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1417146474123001},{"word":"then","start":704.77997,"end":705.18,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13795173168182373},{"word":"see","start":705.18,"end":705.5,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15794359147548676},{"word":"things","start":705.5,"end":706.0,"confidence":0.9951172,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.17697419226169586},{"word":"forecasted","start":706.3,"end":706.8,"confidence":0.6311035,"punctuated_word":"forecasted","sentiment":"neutral","sentiment_score":0.16491617262363434},{"word":"for","start":707.01996,"end":707.355,"confidence":0.9819336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12563198804855347},{"word":"five","start":707.51495,"end":707.83496,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1206505447626114},{"word":"and","start":707.83496,"end":708.315,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10754899680614471},{"word":"ten","start":708.315,"end":708.635,"confidence":0.99316406,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.17709729075431824},{"word":"years","start":708.635,"end":709.135,"confidence":0.99658203,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.026400022208690643},{"word":"so","start":709.755,"end":710.255,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1570983529090881},{"word":"you","start":710.315,"end":710.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2070524096488953},{"word":"can","start":710.475,"end":710.635,"confidence":0.98095703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20304813981056213},{"word":"see","start":710.635,"end":710.875,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2787325382232666},{"word":"that","start":710.875,"end":711.115,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2748221755027771},{"word":"there","start":711.115,"end":711.27496,"confidence":0.9223633,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2571265697479248},{"word":"are","start":711.27496,"end":711.51495,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26336729526519775},{"word":"quite","start":711.51495,"end":711.83496,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.26269859075546265},{"word":"a","start":711.83496,"end":711.995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28999388217926025},{"word":"big","start":711.995,"end":712.475,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.28704214096069336},{"word":"difference","start":712.475,"end":712.975,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.1580519676208496},{"word":"when","start":713.83496,"end":714.07495,"confidence":0.90722656,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2198481261730194},{"word":"we","start":714.07495,"end":714.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25568723678588867},{"word":"are","start":714.235,"end":714.39496,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20668792724609375},{"word":"looking","start":714.39496,"end":714.71497,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21661536395549777},{"word":"at","start":714.71497,"end":714.875,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17118659615516665},{"word":"the","start":714.875,"end":715.035,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21304133534431455},{"word":"five","start":715.035,"end":715.27496,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.16165101528167725},{"word":"and","start":715.27496,"end":715.675,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13202768564224243},{"word":"the","start":715.675,"end":715.755,"confidence":0.5517578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18661335110664368},{"word":"ten","start":715.755,"end":715.995,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1545373797416687},{"word":"year","start":715.995,"end":716.315,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.10358387231826782},{"word":"time","start":716.315,"end":716.635,"confidence":0.98828125,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11136960983276369},{"word":"frame","start":716.635,"end":717.135,"confidence":0.80737305,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":0.2135898470878601},{"word":"and","start":717.355,"end":717.595,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22443395853042605},{"word":"that","start":717.595,"end":717.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22896742820739743},{"word":"is","start":717.755,"end":717.995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20946042239665985},{"word":"assuming","start":717.995,"end":718.475,"confidence":0.99902344,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.25898194313049316},{"word":"your","start":718.475,"end":718.71497,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24388355016708377},{"word":"contribution","start":718.71497,"end":719.21497,"confidence":0.9560547,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.17904135584831238},{"word":"stays","start":719.355,"end":719.595,"confidence":0.9892578,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.28792303800582886},{"word":"the","start":719.595,"end":719.83496,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25055065751075745},{"word":"same","start":719.83496,"end":720.15497,"confidence":0.81152344,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.2181681990623474},{"word":"insurances","start":720.15497,"end":720.65497,"confidence":0.76538086,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.19768449664115903},{"word":"stays","start":720.875,"end":721.27496,"confidence":0.97265625,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.3320087790489197},{"word":"the","start":721.27496,"end":721.435,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31516313552856445},{"word":"same","start":721.435,"end":721.935,"confidence":0.85913086,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.30761462450027466},{"word":"the","start":722.62,"end":722.86,"confidence":0.9873047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39429157972335815},{"word":"advice","start":722.86,"end":723.36,"confidence":0.86621094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.32650452852249146},{"word":"fee","start":723.66,"end":724.13995,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.33729514479637146},{"word":"stays","start":724.13995,"end":724.54,"confidence":0.9951172,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.4404367208480835},{"word":"the","start":724.54,"end":724.69995,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41590866446495056},{"word":"same","start":724.69995,"end":725.1,"confidence":0.8659668,"punctuated_word":"same.","sentiment":"positive","sentiment_score":0.35407668352127075},{"word":"it","start":725.1,"end":725.25995,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4543378949165344},{"word":"is","start":725.25995,"end":725.5,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4499926269054413},{"word":"literally","start":725.5,"end":725.98,"confidence":0.9970703,"punctuated_word":"literally","sentiment":"positive","sentiment_score":0.36128395795822144},{"word":"just","start":725.98,"end":726.22,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5105797052383423},{"word":"making","start":726.22,"end":726.72,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5936335325241089},{"word":"those","start":726.77997,"end":727.18,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.6162520051002502},{"word":"investment","start":727.18,"end":727.68,"confidence":0.96875,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.43412286043167114},{"word":"changes","start":728.06,"end":728.56,"confidence":0.95751953,"punctuated_word":"changes,","sentiment":"positive","sentiment_score":0.6493839621543884},{"word":"which","start":729.5,"end":729.74,"confidence":0.9560547,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6516359448432922},{"word":"is","start":729.74,"end":729.98,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5851907730102539},{"word":"reducing","start":729.98,"end":730.37994,"confidence":1.0,"punctuated_word":"reducing","sentiment":"positive","sentiment_score":0.6459792852401733},{"word":"the","start":730.37994,"end":730.62,"confidence":0.9526367,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7002356648445129},{"word":"fees","start":730.62,"end":730.86,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5904902219772339},{"word":"and","start":730.86,"end":731.01996,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6773937344551086},{"word":"improving","start":731.01996,"end":731.51996,"confidence":0.99902344,"punctuated_word":"improving","sentiment":"positive","sentiment_score":0.763437807559967},{"word":"those","start":731.57996,"end":731.89996,"confidence":0.9980469,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.7463913559913635},{"word":"returns","start":731.89996,"end":732.39996,"confidence":0.9951172,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.7641692757606506},{"word":"for","start":732.45996,"end":732.69995,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7702184915542603},{"word":"you","start":732.69995,"end":733.19995,"confidence":0.7055664,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6523605585098267},{"word":"and","start":733.89996,"end":734.13995,"confidence":0.8232422,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.5097732543945312},{"word":"obviously","start":734.13995,"end":734.63995,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.5245340466499329},{"word":"compounding","start":734.77997,"end":735.27997,"confidence":0.9970703,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.6558284759521484},{"word":"then","start":735.33997,"end":735.66,"confidence":0.8457031,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.6266413927078247},{"word":"makes","start":735.66,"end":735.855,"confidence":0.9970703,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.5316270589828491},{"word":"a","start":736.01495,"end":736.135,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5588043928146362},{"word":"a","start":736.135,"end":736.255,"confidence":0.8613281,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5529903173446655},{"word":"pretty","start":736.255,"end":736.495,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4985595941543579},{"word":"big","start":736.495,"end":736.735,"confidence":1.0,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.5721797943115234},{"word":"difference","start":736.735,"end":737.055,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.5402090549468994},{"word":"when","start":737.055,"end":737.295,"confidence":0.99902344,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5403000116348267},{"word":"we're","start":737.295,"end":737.535,"confidence":0.9836426,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.457681268453598},{"word":"looking","start":737.535,"end":737.77496,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.4193005561828614},{"word":"a","start":737.77496,"end":737.855,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4053902328014374},{"word":"bit","start":737.855,"end":738.01495,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.35465776920318604},{"word":"more","start":738.01495,"end":738.33496,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.31858307123184204},{"word":"long","start":738.33496,"end":738.495,"confidence":0.99316406,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.4005226790904999},{"word":"term","start":738.495,"end":738.995,"confidence":0.9975586,"punctuated_word":"term.","sentiment":"positive","sentiment_score":0.35101181268692017},{"word":"now","start":740.255,"end":740.65497,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.30277442932128906},{"word":"you","start":740.65497,"end":740.735,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30245962738990784},{"word":"can","start":740.735,"end":741.055,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30130693316459656},{"word":"also","start":741.055,"end":741.45496,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2401622086763382},{"word":"see","start":741.45496,"end":741.695,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.30111247301101685},{"word":"the","start":741.695,"end":741.77496,"confidence":0.7680664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27068597078323364},{"word":"table","start":741.77496,"end":742.255,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.26567530632019043},{"word":"underneath","start":742.255,"end":742.755,"confidence":1.0,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.2680291533470154},{"word":"it","start":742.815,"end":743.315,"confidence":0.91674805,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14631471037864685},{"word":"i","start":743.535,"end":743.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22267253696918488},{"word":"have","start":743.695,"end":744.01495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2630259096622467},{"word":"included","start":744.01495,"end":744.51495,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.2734238803386688},{"word":"a","start":744.57495,"end":744.735,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26794570684432983},{"word":"bit","start":744.735,"end":745.055,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23463433980941772},{"word":"more","start":745.055,"end":745.21497,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19823867082595825},{"word":"in","start":745.21497,"end":745.45496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19449570775032043},{"word":"regards","start":745.45496,"end":745.935,"confidence":0.99902344,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.18067169189453125},{"word":"to","start":745.935,"end":746.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26195791363716125},{"word":"the","start":746.095,"end":746.33496,"confidence":0.50390625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2185955047607422},{"word":"historical","start":746.33496,"end":746.83496,"confidence":1.0,"punctuated_word":"historical","sentiment":"neutral","sentiment_score":0.18839527666568756},{"word":"returns","start":746.975,"end":747.475,"confidence":0.76342773,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.23564663529396057},{"word":"so","start":747.615,"end":747.77496,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2412763237953186},{"word":"you","start":747.77496,"end":747.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29609769582748413},{"word":"can","start":747.935,"end":748.175,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3004447817802429},{"word":"see","start":748.175,"end":748.415,"confidence":0.97998047,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.35263752937316895},{"word":"twelve","start":748.415,"end":748.735,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.26603493094444275},{"word":"months","start":748.735,"end":749.22,"confidence":0.98999023,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.2846697270870209},{"word":"three","start":749.86,"end":750.18,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.28499045968055725},{"word":"years","start":750.18,"end":750.68,"confidence":0.99902344,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2397586703300476},{"word":"five","start":750.98,"end":751.22,"confidence":0.9921875,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.26264524459838867},{"word":"years","start":751.22,"end":751.69995,"confidence":0.9904785,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2586633265018463},{"word":"and","start":751.69995,"end":752.1,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2498035877943039},{"word":"ten","start":752.1,"end":752.42,"confidence":0.96875,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.25666874647140503},{"word":"years","start":752.42,"end":752.92,"confidence":0.9807129,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.21671022474765775},{"word":"and","start":752.98,"end":753.22,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3603671789169311},{"word":"you","start":753.22,"end":753.37994,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.384373277425766},{"word":"can","start":753.37994,"end":753.62,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37929919362068176},{"word":"see","start":753.62,"end":753.77997,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4259774684906006},{"word":"that","start":753.77997,"end":754.01996,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4191494286060333},{"word":"across","start":754.01996,"end":754.51996,"confidence":0.99316406,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.4402118027210235},{"word":"all","start":754.66,"end":755.06,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4469758570194245},{"word":"time","start":755.06,"end":755.3,"confidence":0.9951172,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2597730755805969},{"word":"frames","start":755.3,"end":755.8,"confidence":0.85546875,"punctuated_word":"frames,","sentiment":"positive","sentiment_score":0.40456897020339966},{"word":"the","start":756.1,"end":756.33997,"confidence":0.92578125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6049516201019287},{"word":"recommended","start":756.33997,"end":756.83997,"confidence":0.9970703,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.6617206931114197},{"word":"has","start":756.98,"end":757.3,"confidence":0.81640625,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4747195541858673},{"word":"still","start":757.3,"end":757.62,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4237633943557739},{"word":"outperformed","start":757.62,"end":758.12,"confidence":0.9975586,"punctuated_word":"outperformed","sentiment":"positive","sentiment_score":0.5545229911804199},{"word":"your","start":758.89996,"end":759.06,"confidence":0.7416992,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5104676485061646},{"word":"current","start":759.06,"end":759.54,"confidence":1.0,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.40545302629470825},{"word":"portfolio","start":759.54,"end":760.04,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.31137073040008545},{"word":"makes","start":762.675,"end":762.915,"confidence":0.5722656,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.1724446415901184},{"word":"sense","start":762.915,"end":763.415,"confidence":0.9980469,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.19255858659744263},{"word":"yep","start":764.675,"end":765.15497,"confidence":0.9460449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2782564163208008},{"word":"perfect","start":765.15497,"end":765.65497,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5414141416549683},{"word":"now","start":766.995,"end":767.315,"confidence":0.8491211,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.29661625623703003},{"word":"what","start":767.315,"end":767.635,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25133857131004333},{"word":"that","start":767.635,"end":767.95496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24189281463623047},{"word":"actually","start":767.95496,"end":768.435,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17727847397327423},{"word":"looks","start":768.435,"end":768.83496,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.18757234513759613},{"word":"like","start":768.83496,"end":769.15497,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1874477416276932},{"word":"in","start":769.15497,"end":769.475,"confidence":0.98095703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13710501790046692},{"word":"terms","start":769.475,"end":769.875,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.17692144215106964},{"word":"of","start":769.875,"end":770.035,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1705675721168518},{"word":"the","start":770.035,"end":770.355,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19655784964561465},{"word":"recommended","start":770.355,"end":770.855,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2005573213100433},{"word":"investment","start":771.15497,"end":771.65497,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1535523384809494},{"word":"changes","start":771.875,"end":772.375,"confidence":0.9941406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.18364909291267395},{"word":"is","start":773.075,"end":773.555,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16293077170848846},{"word":"outlined","start":773.555,"end":774.055,"confidence":0.8935547,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.18897318840026855},{"word":"on","start":774.115,"end":774.27496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15266238152980804},{"word":"page","start":774.27496,"end":774.77496,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.16978415846824646},{"word":"17","start":775.075,"end":775.575,"confidence":0.89868164,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.1690087765455246},{"word":"you","start":776.68005,"end":776.76,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06973831355571747},{"word":"should","start":776.76,"end":777.24005,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.09159907698631288},{"word":"have","start":777.24005,"end":777.72003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07885918766260147},{"word":"a","start":777.72003,"end":778.22003,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06901160627603531},{"word":"investment","start":778.28,"end":778.78,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.035063765943050385},{"word":"table","start":779.24005,"end":779.74005,"confidence":0.9914551,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.05991153046488762},{"word":"it","start":780.04004,"end":780.12006,"confidence":0.57910156,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02587920054793358},{"word":"might","start":780.12006,"end":780.36005,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.01765173301100731},{"word":"be","start":780.36005,"end":780.44006,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.027940303087234497},{"word":"a","start":780.44006,"end":780.52,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024144386872649193},{"word":"little","start":780.52,"end":780.76,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0396304652094841},{"word":"bit","start":780.76,"end":781.0,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.029717952013015747},{"word":"tricky","start":781.0,"end":781.48004,"confidence":0.9980469,"punctuated_word":"tricky","sentiment":"neutral","sentiment_score":-0.029595866799354553},{"word":"on","start":781.48004,"end":781.64,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.029571764171123505},{"word":"the","start":781.64,"end":781.80005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009256985038518906},{"word":"phone","start":781.80005,"end":782.30005,"confidence":0.763916,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":-0.02331915684044361},{"word":"but","start":782.84,"end":783.34,"confidence":0.9379883,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.01875906065106392},{"word":"essentially","start":783.4,"end":783.9,"confidence":0.99902344,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.041823338717222214},{"word":"what","start":784.2,"end":784.36005,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.055098872631788254},{"word":"it","start":784.36005,"end":784.52,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.060960445553064346},{"word":"is","start":784.52,"end":784.84,"confidence":0.93847656,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.07005544006824493},{"word":"you","start":784.84,"end":785.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09498918056488036},{"word":"can","start":785.0,"end":785.24005,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09025517106056212},{"word":"see","start":785.24005,"end":785.48004,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09800536930561066},{"word":"all","start":785.48004,"end":785.64,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0742703303694725},{"word":"the","start":785.64,"end":785.88,"confidence":0.7207031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050867147743701935},{"word":"investments","start":785.88,"end":786.38,"confidence":0.8256836,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.04907568171620369},{"word":"you","start":787.16003,"end":787.4,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10647612065076828},{"word":"can","start":787.4,"end":787.56006,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11094094812870026},{"word":"see","start":787.56006,"end":787.80005,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13668233156204224},{"word":"the","start":787.80005,"end":787.96,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11874281615018845},{"word":"little","start":787.96,"end":788.2,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.121538445353508},{"word":"special","start":788.2,"end":788.68005,"confidence":0.99902344,"punctuated_word":"special","sentiment":"neutral","sentiment_score":0.07389529049396515},{"word":"code","start":788.68005,"end":789.08,"confidence":0.95166016,"punctuated_word":"code","sentiment":"neutral","sentiment_score":0.07894514501094818},{"word":"associated","start":789.08,"end":789.58,"confidence":1.0,"punctuated_word":"associated","sentiment":"neutral","sentiment_score":0.07746570557355881},{"word":"with","start":789.80005,"end":789.96,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08146952092647552},{"word":"them","start":789.96,"end":790.46,"confidence":0.9970703,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.07038135081529617},{"word":"you","start":790.60004,"end":790.76,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09049508720636368},{"word":"can","start":790.76,"end":791.0,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09761597216129304},{"word":"see","start":791.0,"end":791.24005,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10446306318044662},{"word":"your","start":791.24005,"end":791.565,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08143141120672226},{"word":"current","start":791.805,"end":792.305,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.05847791954874992},{"word":"weight","start":792.685,"end":793.185,"confidence":0.8347168,"punctuated_word":"weight,","sentiment":"neutral","sentiment_score":0.08986067771911621},{"word":"the","start":793.325,"end":793.645,"confidence":0.36889648,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.105647511780262},{"word":"how","start":793.645,"end":793.885,"confidence":0.69873047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08877507597208023},{"word":"much","start":793.885,"end":794.125,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0993773639202118},{"word":"you","start":794.125,"end":794.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09711247682571413},{"word":"currently","start":794.365,"end":794.84503,"confidence":0.9921875,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.07023634016513824},{"word":"have","start":794.84503,"end":795.165,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08891312777996063},{"word":"in","start":795.165,"end":795.405,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.103059321641922},{"word":"the","start":795.405,"end":795.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1110331416130066},{"word":"investment","start":795.645,"end":796.145,"confidence":0.9645996,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.09395109862089156},{"word":"what","start":796.925,"end":797.165,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15111683309078217},{"word":"that","start":797.165,"end":797.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12457916885614397},{"word":"looks","start":797.325,"end":797.645,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.09334959089756012},{"word":"like","start":797.645,"end":797.885,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09213949739933014},{"word":"in","start":797.885,"end":798.125,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08663097769021988},{"word":"terms","start":798.125,"end":798.365,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10982324182987212},{"word":"of","start":798.365,"end":798.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10528779029846191},{"word":"a","start":798.525,"end":798.84503,"confidence":0.94970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0972033143043518},{"word":"dollar","start":798.84503,"end":799.165,"confidence":0.9951172,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.08028941601514816},{"word":"figure","start":799.165,"end":799.665,"confidence":0.95874023,"punctuated_word":"figure,","sentiment":"neutral","sentiment_score":0.11771292984485626},{"word":"and","start":799.885,"end":800.125,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08980270475149155},{"word":"then","start":800.125,"end":800.285,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08620099723339081},{"word":"you","start":800.285,"end":800.365,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07954682409763336},{"word":"can","start":800.365,"end":800.605,"confidence":0.82177734,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0895819365978241},{"word":"see","start":800.605,"end":800.765,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1044820323586464},{"word":"the","start":800.765,"end":801.085,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08348467200994492},{"word":"buy","start":801.085,"end":801.325,"confidence":0.99609375,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.06626812368631363},{"word":"and","start":801.325,"end":801.645,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0761895477771759},{"word":"sell","start":801.645,"end":802.125,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.05732617527246475},{"word":"column","start":802.125,"end":802.625,"confidence":0.9875488,"punctuated_word":"column.","sentiment":"neutral","sentiment_score":0.06424052268266678},{"word":"so","start":803.085,"end":803.485,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08879411220550537},{"word":"everything","start":803.485,"end":803.985,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11872252076864244},{"word":"in","start":804.125,"end":804.605,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10702882707118988},{"word":"red","start":804.605,"end":805.085,"confidence":0.9951172,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.12676583230495453},{"word":"is","start":805.085,"end":805.245,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0959806591272354},{"word":"what","start":805.245,"end":805.485,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08091051876544952},{"word":"we","start":805.485,"end":805.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09182576835155488},{"word":"are","start":805.725,"end":805.885,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09422554075717926},{"word":"looking","start":805.885,"end":806.285,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11421392858028412},{"word":"at","start":806.285,"end":806.605,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09026201069355012},{"word":"selling","start":806.605,"end":807.105,"confidence":0.93481445,"punctuated_word":"selling,","sentiment":"neutral","sentiment_score":0.10839488357305528},{"word":"and","start":807.5,"end":807.98,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11767591536045074},{"word":"black","start":807.98,"end":808.48,"confidence":0.9970703,"punctuated_word":"black","sentiment":"neutral","sentiment_score":0.1748892068862915},{"word":"is","start":808.7,"end":808.94,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1340581625699997},{"word":"what","start":808.94,"end":809.18,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09881393611431122},{"word":"we","start":809.18,"end":809.33997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09899009764194489},{"word":"are","start":809.33997,"end":809.57996,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09390963613986968},{"word":"buying","start":809.57996,"end":810.07996,"confidence":1.0,"punctuated_word":"buying.","sentiment":"neutral","sentiment_score":0.08560384064912796},{"word":"now","start":810.86,"end":811.26,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.10897791385650636},{"word":"you","start":811.26,"end":811.33997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12132203578948976},{"word":"can","start":811.33997,"end":811.5,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10860811918973924},{"word":"then","start":811.5,"end":811.82,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1080704629421234},{"word":"see","start":811.82,"end":812.13995,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12278632819652556},{"word":"the","start":812.13995,"end":812.3,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11803564429283142},{"word":"target","start":812.3,"end":812.77997,"confidence":1.0,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.09575778245925903},{"word":"weight","start":812.77997,"end":813.1,"confidence":0.66845703,"punctuated_word":"weight,","sentiment":"neutral","sentiment_score":0.104916512966156},{"word":"so","start":813.1,"end":813.26,"confidence":0.55908203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1222342848777771},{"word":"what","start":813.26,"end":813.42,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13935966789722443},{"word":"we","start":813.42,"end":813.57996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12718406319618225},{"word":"are","start":813.57996,"end":813.82,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12829458713531494},{"word":"aiming","start":813.82,"end":814.22,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.1450066864490509},{"word":"for","start":814.22,"end":814.62,"confidence":0.8635254,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.1546197533607483},{"word":"and","start":814.62,"end":814.86,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18075495958328247},{"word":"what","start":814.86,"end":815.01996,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16930581629276276},{"word":"that","start":815.01996,"end":815.26,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12323883175849916},{"word":"looks","start":815.26,"end":815.57996,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.09063619375228882},{"word":"like","start":815.57996,"end":815.82,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09417393058538436},{"word":"in","start":815.82,"end":816.06,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09054245054721832},{"word":"terms","start":816.06,"end":816.38,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.10112306475639345},{"word":"of","start":816.38,"end":816.54,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11521346867084505},{"word":"a","start":816.54,"end":816.77997,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1005941778421402},{"word":"dollar","start":816.77997,"end":817.1,"confidence":0.9970703,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.0755668580532074},{"word":"figure","start":817.1,"end":817.6,"confidence":0.99902344,"punctuated_word":"figure.","sentiment":"neutral","sentiment_score":0.09793366491794586},{"word":"so","start":818.13995,"end":818.38,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04745568335056305},{"word":"you","start":818.38,"end":818.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05155292898416519},{"word":"can","start":818.54,"end":818.86,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05436531826853752},{"word":"see","start":818.86,"end":819.1,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07602868974208832},{"word":"that","start":819.1,"end":819.33997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029534779489040375},{"word":"we","start":819.33997,"end":819.5,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006011150777339935},{"word":"are","start":819.5,"end":819.74,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02157709002494812},{"word":"not","start":819.74,"end":820.24,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06737431138753891},{"word":"changing","start":820.515,"end":821.015,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.11551369726657867},{"word":"all","start":821.315,"end":821.715,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1048884093761444},{"word":"of","start":821.715,"end":821.955,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09926225990056992},{"word":"the","start":821.955,"end":822.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10061359405517578},{"word":"investments","start":822.275,"end":822.775,"confidence":0.717041,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.10749810934066772},{"word":"just","start":823.155,"end":823.47504,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06818275153636932},{"word":"a","start":823.47504,"end":823.715,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05462087318301201},{"word":"couple","start":823.715,"end":824.215,"confidence":1.0,"punctuated_word":"couple.","sentiment":"neutral","sentiment_score":-0.05978011339902878},{"word":"now","start":825.075,"end":825.575,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.03259175270795822},{"word":"when","start":825.715,"end":825.955,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0317138135433197},{"word":"we","start":825.955,"end":826.195,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00026564300060272217},{"word":"are","start":826.195,"end":826.435,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02470632642507553},{"word":"putting","start":826.435,"end":826.755,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.003626260906457901},{"word":"together","start":826.755,"end":827.155,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.02226567268371582},{"word":"our","start":827.155,"end":827.395,"confidence":0.96777344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0034590885043144226},{"word":"portfolio","start":827.395,"end":827.895,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03348765894770622},{"word":"the","start":827.955,"end":828.195,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04546957463026047},{"word":"investment","start":828.195,"end":828.695,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03843943029642105},{"word":"philosophy","start":828.835,"end":829.335,"confidence":0.9970703,"punctuated_word":"philosophy","sentiment":"neutral","sentiment_score":0.026832453906536102},{"word":"and","start":829.47504,"end":829.635,"confidence":0.5410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006667479872703552},{"word":"how","start":829.635,"end":829.875,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.01549384742975235},{"word":"we","start":829.875,"end":830.03503,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.016656160354614258},{"word":"structure","start":830.03503,"end":830.53503,"confidence":0.99121094,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.03645145148038864},{"word":"things","start":830.59503,"end":831.075,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0090215802192688},{"word":"has","start":831.075,"end":831.315,"confidence":0.98828125,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.023708119988441467},{"word":"not","start":831.315,"end":831.715,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04041185975074768},{"word":"changed","start":831.715,"end":832.215,"confidence":0.9614258,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.026988312602043152},{"word":"so","start":832.76,"end":832.83997,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05279003456234932},{"word":"we're","start":832.83997,"end":833.08,"confidence":0.9914551,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0635945051908493},{"word":"still","start":833.08,"end":833.48,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07240259647369385},{"word":"using","start":833.48,"end":833.88,"confidence":1.0,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.0860072672367096},{"word":"that","start":833.88,"end":834.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0817933976650238},{"word":"core","start":834.2,"end":834.6,"confidence":0.92578125,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.05956343561410904},{"word":"satellite","start":834.6,"end":835.1,"confidence":0.9580078,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.10178283601999284},{"word":"approach","start":835.39996,"end":835.88,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.14161035418510437},{"word":"to","start":835.88,"end":836.2,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17058181762695312},{"word":"investing","start":836.2,"end":836.7,"confidence":0.98657227,"punctuated_word":"investing.","sentiment":"neutral","sentiment_score":0.09689213335514069},{"word":"have","start":836.92,"end":837.08,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.0317220501601696},{"word":"you","start":837.08,"end":837.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04246442764997482},{"word":"ever","start":837.16,"end":837.48,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.03526994213461876},{"word":"heard","start":837.48,"end":837.64,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.019565023481845856},{"word":"of","start":837.64,"end":837.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.046083997935056686},{"word":"that","start":837.8,"end":837.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03170070797204971},{"word":"before","start":837.96,"end":838.46,"confidence":1.0,"punctuated_word":"before?","sentiment":"neutral","sentiment_score":0.022892966866493225},{"word":"no","start":840.12,"end":840.62,"confidence":0.96484375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.042538922280073166},{"word":"basically","start":840.68,"end":841.18,"confidence":0.98706055,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.021215394139289856},{"word":"what","start":841.24,"end":841.48,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02357969433069229},{"word":"it","start":841.48,"end":841.72,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008163116872310638},{"word":"means","start":841.72,"end":842.2,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.006175108253955841},{"word":"is","start":842.2,"end":842.52,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024176746606826786},{"word":"that","start":842.52,"end":842.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010198019444942474},{"word":"we","start":842.92,"end":843.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.045535728335380554},{"word":"invest","start":843.16,"end":843.66,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.068130724132061},{"word":"majority","start":843.72,"end":844.22,"confidence":0.99902344,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":0.05730791389942169},{"word":"of","start":844.27997,"end":844.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07862206548452377},{"word":"the","start":844.52,"end":844.68,"confidence":0.91845703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06040173023939133},{"word":"funds","start":844.68,"end":845.16,"confidence":0.5649414,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.048901140689849854},{"word":"in","start":845.16,"end":845.39996,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07348065078258514},{"word":"the","start":845.39996,"end":845.72,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06531818211078644},{"word":"core","start":845.72,"end":846.22,"confidence":0.986084,"punctuated_word":"core,","sentiment":"neutral","sentiment_score":0.0690263956785202},{"word":"which","start":846.365,"end":846.76495,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05708155035972595},{"word":"basically","start":846.76495,"end":847.26495,"confidence":0.99121094,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07724457234144211},{"word":"represents","start":847.485,"end":847.96497,"confidence":0.9951172,"punctuated_word":"represents","sentiment":"neutral","sentiment_score":0.09018324315547945},{"word":"the","start":847.96497,"end":848.20496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11448675394058228},{"word":"backbone","start":848.20496,"end":848.70496,"confidence":0.9970703,"punctuated_word":"backbone","sentiment":"neutral","sentiment_score":0.16541340947151184},{"word":"of","start":848.76495,"end":849.00494,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13609135150909424},{"word":"the","start":849.00494,"end":849.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09375881403684616},{"word":"portfolio","start":849.165,"end":849.665,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11232449114322662},{"word":"and","start":850.52496,"end":850.76495,"confidence":0.625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0919865146279335},{"word":"essentially","start":850.76495,"end":851.26495,"confidence":0.68847656,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08081378787755966},{"word":"are","start":851.40497,"end":851.64496,"confidence":0.8852539,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09502869844436646},{"word":"like","start":851.64496,"end":851.805,"confidence":0.6669922,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1345239281654358},{"word":"your","start":851.805,"end":852.045,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15992170572280884},{"word":"passive","start":852.045,"end":852.545,"confidence":0.9921875,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.18928033113479617},{"word":"index","start":852.605,"end":853.08496,"confidence":0.99902344,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.17583470046520233},{"word":"funds","start":853.08496,"end":853.40497,"confidence":0.9790039,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.14316830039024353},{"word":"that","start":853.40497,"end":853.64496,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16981911659240723},{"word":"have","start":853.64496,"end":853.805,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22037741541862488},{"word":"done","start":853.805,"end":854.125,"confidence":0.9863281,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.3257719576358795},{"word":"really","start":854.125,"end":854.44495,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2794734537601471},{"word":"well","start":854.44495,"end":854.76495,"confidence":0.99902344,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3343471586704254},{"word":"in","start":854.76495,"end":855.00494,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2804427146911621},{"word":"the","start":855.00494,"end":855.165,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18842968344688416},{"word":"past","start":855.165,"end":855.565,"confidence":0.9741211,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.25809770822525024},{"word":"and","start":855.565,"end":855.725,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19172021746635437},{"word":"that","start":855.725,"end":855.88495,"confidence":0.85839844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1830848753452301},{"word":"are","start":855.88495,"end":856.20496,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21044108271598816},{"word":"very","start":856.20496,"end":856.605,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.17344743013381958},{"word":"diversified","start":856.605,"end":857.105,"confidence":0.98779297,"punctuated_word":"diversified.","sentiment":"neutral","sentiment_score":0.16803503036499023},{"word":"so","start":857.96497,"end":858.20496,"confidence":0.8574219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11123621463775636},{"word":"these","start":858.20496,"end":858.44495,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.16070568561553955},{"word":"are","start":858.44495,"end":858.605,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16243326663970947},{"word":"like","start":858.605,"end":858.845,"confidence":0.6069336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.20582358539104464},{"word":"your","start":858.845,"end":859.165,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1943429708480835},{"word":"biggest","start":859.165,"end":859.665,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.24566349387168884},{"word":"shareholding","start":859.725,"end":860.225,"confidence":0.9607747,"punctuated_word":"shareholding.","sentiment":"neutral","sentiment_score":0.19284610450267792},{"word":"so","start":860.61,"end":860.85,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1321096122264862},{"word":"you","start":860.85,"end":861.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13995392620563507},{"word":"can","start":861.01,"end":861.08997,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1465480923652649},{"word":"see","start":861.08997,"end":861.57,"confidence":0.98168945,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.15482403337955475},{"word":"for","start":861.57,"end":861.81,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10279295593500136},{"word":"example","start":861.81,"end":862.31,"confidence":0.99853516,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.13699613511562347},{"word":"at","start":862.37,"end":862.61,"confidence":0.88720703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18700838088989255},{"word":"35%","start":862.61,"end":863.67,"confidence":0.992513,"punctuated_word":"35%,","sentiment":"neutral","sentiment_score":0.18422067165374756},{"word":"you","start":864.20996,"end":864.37,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16920055449008942},{"word":"have","start":864.37,"end":864.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18646761775016785},{"word":"the","start":864.61,"end":864.85,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1521954983472824},{"word":"ishares","start":864.85,"end":865.35,"confidence":0.9748535,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.15935689210891724},{"word":"s","start":865.73,"end":865.97,"confidence":0.45117188,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.12352047860622406},{"word":"and","start":865.97,"end":866.20996,"confidence":0.66064453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09640808403491974},{"word":"p","start":866.20996,"end":866.61,"confidence":0.9951172,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.11596754193305968},{"word":"500","start":866.61,"end":867.43,"confidence":0.98950195,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.05438138544559479},{"word":"you","start":867.49,"end":867.81,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07004183530807495},{"word":"already","start":867.81,"end":868.29,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.10676855593919754},{"word":"have","start":868.29,"end":868.52997,"confidence":0.8828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07901457697153091},{"word":"that","start":868.52997,"end":868.76996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09041941165924072},{"word":"in","start":868.76996,"end":868.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08741951733827591},{"word":"your","start":868.93,"end":869.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0823604017496109},{"word":"portfolio","start":869.25,"end":869.75,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.038643233478069305},{"word":"before","start":869.97,"end":870.47,"confidence":0.9863281,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.0985233411192894},{"word":"we","start":870.85,"end":871.01,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15371111035346985},{"word":"are","start":871.01,"end":871.17,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16593915224075317},{"word":"just","start":871.17,"end":871.67,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15419742465019226},{"word":"increasing","start":871.73,"end":872.23,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.16452616453170776},{"word":"the","start":872.45,"end":872.69,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18364927172660828},{"word":"allocation","start":872.69,"end":873.19,"confidence":0.9980469,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.19115686416625977},{"word":"a","start":873.57,"end":873.73,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1608995497226715},{"word":"little","start":873.73,"end":874.05,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10543942451477052},{"word":"bit","start":874.05,"end":874.55,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.13999763131141665},{"word":"now","start":875.245,"end":875.565,"confidence":0.8911133,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.19057106971740723},{"word":"basically","start":875.565,"end":876.04504,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.16905662417411804},{"word":"what","start":876.04504,"end":876.28503,"confidence":0.8310547,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2317976951599121},{"word":"this","start":876.28503,"end":876.525,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2337743490934372},{"word":"one","start":876.525,"end":876.84503,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.23735913634300232},{"word":"investment","start":876.84503,"end":877.34503,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12087205052375792},{"word":"is","start":877.405,"end":877.72504,"confidence":0.9423828,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.24044673144817352},{"word":"it","start":877.72504,"end":877.965,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34843379259109497},{"word":"is","start":877.965,"end":878.205,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34748411178588867},{"word":"very","start":878.205,"end":878.685,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.36931487917900085},{"word":"diversified","start":878.685,"end":879.185,"confidence":0.9921875,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.3094620108604431},{"word":"because","start":879.72504,"end":880.04504,"confidence":0.87841797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21305760741233823},{"word":"you","start":880.04504,"end":880.28503,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3500276505947113},{"word":"do","start":880.28503,"end":880.525,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28464260697364807},{"word":"invest","start":880.525,"end":881.005,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.2138395607471466},{"word":"in","start":881.005,"end":881.16504,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32528865337371826},{"word":"the","start":881.16504,"end":881.405,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2936297655105591},{"word":"500","start":881.405,"end":882.125,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.2796909213066101},{"word":"largest","start":882.125,"end":882.60504,"confidence":1.0,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.21685850620269775},{"word":"companies","start":882.60504,"end":883.10504,"confidence":0.9980469,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.17859219014644623},{"word":"listed","start":883.16504,"end":883.48505,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.2314920723438263},{"word":"in","start":883.48505,"end":883.72504,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18465887010097504},{"word":"the","start":883.72504,"end":883.965,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11356398463249208},{"word":"us","start":883.965,"end":884.445,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.18467020988464355},{"word":"in","start":884.445,"end":884.60504,"confidence":0.94384766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23987655341625216},{"word":"that","start":884.60504,"end":884.92505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27103161811828613},{"word":"one","start":884.92505,"end":885.245,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2587186098098755},{"word":"single","start":885.245,"end":885.745,"confidence":0.99902344,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.23440220952033997},{"word":"investment","start":885.805,"end":886.305,"confidence":0.9802246,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.1514771729707718},{"word":"so","start":886.84503,"end":887.005,"confidence":0.8469238,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.4014701843261719},{"word":"obviously","start":887.005,"end":887.505,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.4775341749191284},{"word":"very","start":887.565,"end":887.885,"confidence":0.96875,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.498045414686203},{"word":"diversified","start":887.885,"end":888.385,"confidence":0.9692383,"punctuated_word":"diversified.","sentiment":"positive","sentiment_score":0.4873141646385193},{"word":"it","start":888.765,"end":888.92505,"confidence":0.94189453,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5803557634353638},{"word":"gives","start":888.92505,"end":889.16504,"confidence":0.9970703,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.5594794154167175},{"word":"you","start":889.16504,"end":889.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6185877323150635},{"word":"good","start":889.325,"end":889.645,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5888367295265198},{"word":"exposure","start":889.645,"end":890.145,"confidence":1.0,"punctuated_word":"exposure.","sentiment":"positive","sentiment_score":0.5150875449180603},{"word":"another","start":891.57,"end":891.97,"confidence":1.0,"punctuated_word":"Another","sentiment":"neutral","sentiment_score":0.16692301630973816},{"word":"one","start":891.97,"end":892.37,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14114512503147125},{"word":"is","start":892.37,"end":892.87,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17290213704109192},{"word":"your","start":893.01,"end":893.51,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20456446707248688},{"word":"25%","start":894.05,"end":895.26996,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.21377430856227875},{"word":"at","start":895.41,"end":895.57,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1294640153646469},{"word":"the","start":895.57,"end":895.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16569365561008453},{"word":"beta","start":895.81,"end":896.29,"confidence":0.7182617,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.13895882666110992},{"word":"shares","start":896.29,"end":896.79,"confidence":0.90771484,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1032593995332718},{"word":"australia","start":896.85,"end":897.35,"confidence":0.9248047,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.18004515767097473},{"word":"200","start":897.64996,"end":898.47,"confidence":0.9433594,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.1275092363357544},{"word":"now","start":899.08997,"end":899.25,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.051357466727495193},{"word":"this","start":899.25,"end":899.49,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.023126859217882156},{"word":"is","start":899.49,"end":899.64996,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03532356396317482},{"word":"kind","start":899.64996,"end":899.89,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.058036841452121735},{"word":"of","start":899.89,"end":900.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02617815136909485},{"word":"in","start":900.05,"end":900.29,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008881911635398865},{"word":"replacement","start":900.29,"end":900.79,"confidence":0.99902344,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":-0.023712247610092163},{"word":"of","start":901.17,"end":901.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.059414707124233246},{"word":"your","start":901.57,"end":901.89,"confidence":0.97509766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03540653735399246},{"word":"benelon","start":901.89,"end":902.39,"confidence":0.71695966,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.04470031708478928},{"word":"australian","start":902.52997,"end":903.02997,"confidence":0.984375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.03179439902305603},{"word":"equity","start":903.17,"end":903.64996,"confidence":0.8659668,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":-0.03860209882259369},{"word":"which","start":903.64996,"end":903.97,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.0959516242146492},{"word":"we","start":903.97,"end":904.13,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03624824434518814},{"word":"wanted","start":904.13,"end":904.575,"confidence":0.9980469,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.05503765121102333},{"word":"to","start":904.97504,"end":905.055,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06209110841155052},{"word":"remove","start":905.055,"end":905.455,"confidence":0.8935547,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.08679818361997604},{"word":"from","start":905.455,"end":905.695,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11461953818798064},{"word":"the","start":905.695,"end":905.935,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07335315644741058},{"word":"portfolio","start":905.935,"end":906.41504,"confidence":0.9736328,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.07600385695695877},{"word":"that","start":906.41504,"end":906.575,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.10074038803577424},{"word":"was","start":906.575,"end":906.735,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13103771209716797},{"word":"the","start":906.735,"end":906.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0938447117805481},{"word":"one","start":906.895,"end":907.055,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08304313570261002},{"word":"that","start":907.055,"end":907.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11617130041122437},{"word":"was","start":907.215,"end":907.375,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1661384105682373},{"word":"underperforming","start":907.375,"end":907.875,"confidence":0.9980469,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.22899477183818817},{"word":"a","start":908.255,"end":908.41504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2279313802719116},{"word":"little","start":908.41504,"end":908.655,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14761513471603394},{"word":"bit","start":908.655,"end":909.155,"confidence":0.8491211,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.21301232278347015},{"word":"but","start":909.375,"end":909.53503,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10102318227291109},{"word":"we","start":909.53503,"end":909.85504,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03174365311861038},{"word":"still","start":909.85504,"end":910.09503,"confidence":0.9658203,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07156237214803696},{"word":"wanna","start":910.09503,"end":910.495,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13508868217468262},{"word":"make","start":910.495,"end":910.655,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09553037583827972},{"word":"sure","start":910.655,"end":910.97504,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07850076258182526},{"word":"you","start":910.97504,"end":911.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10618254542350768},{"word":"have","start":911.215,"end":911.53503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060028545558452606},{"word":"exposure","start":911.53503,"end":912.03503,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.04216318577528},{"word":"to","start":912.09503,"end":912.175,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08593281358480453},{"word":"the","start":912.175,"end":912.495,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06885413080453873},{"word":"australian","start":912.495,"end":912.995,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.031093589961528775},{"word":"market","start":913.215,"end":913.715,"confidence":0.99853516,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.022607143968343735},{"word":"that","start":914.655,"end":914.895,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08488990366458893},{"word":"one","start":914.895,"end":915.215,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11388681083917618},{"word":"here","start":915.215,"end":915.695,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11400021612644196},{"word":"basically","start":915.695,"end":916.195,"confidence":0.93847656,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09177961200475691},{"word":"invests","start":916.255,"end":916.735,"confidence":0.98095703,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":0.08913913369178772},{"word":"in","start":916.735,"end":916.97504,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13093160092830658},{"word":"the","start":916.97504,"end":917.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13552013039588928},{"word":"200","start":917.135,"end":917.775,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.13566644489765167},{"word":"largest","start":917.775,"end":918.255,"confidence":1.0,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.11500504612922668},{"word":"companies","start":918.255,"end":918.755,"confidence":0.9980469,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.08388651907444},{"word":"listed","start":918.815,"end":919.215,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.14647826552391052},{"word":"in","start":919.215,"end":919.375,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11862846463918686},{"word":"australia","start":919.375,"end":919.875,"confidence":0.9567871,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.10993416607379912},{"word":"so","start":920.24,"end":920.31995,"confidence":0.9536133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1348680704832077},{"word":"you'll","start":920.31995,"end":920.48,"confidence":0.9975586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.18368351459503177},{"word":"have","start":920.48,"end":920.55994,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1855584681034088},{"word":"all","start":920.55994,"end":920.63995,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18951858580112457},{"word":"the","start":920.63995,"end":920.95996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1829378753900528},{"word":"big","start":920.95996,"end":921.19995,"confidence":0.99902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.15723775327205658},{"word":"companies","start":921.19995,"end":921.69995,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.11084017157554626},{"word":"like","start":922.16,"end":922.48,"confidence":0.80615234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14590273797512054},{"word":"commonwealth","start":922.48,"end":922.98,"confidence":0.9633789,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.16699111461639404},{"word":"and","start":923.19995,"end":923.44,"confidence":0.86621094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1582403928041458},{"word":"bhp","start":923.44,"end":923.94,"confidence":0.9667969,"punctuated_word":"BHP","sentiment":"neutral","sentiment_score":0.1827010214328766},{"word":"and","start":924.0,"end":924.24,"confidence":0.92089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17637284100055697},{"word":"woolworths","start":924.24,"end":924.74,"confidence":0.9642334,"punctuated_word":"Woolworths.","sentiment":"neutral","sentiment_score":0.13498544692993164},{"word":"so","start":924.8,"end":925.04,"confidence":0.9399414,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.20494388043880463},{"word":"again","start":925.04,"end":925.44,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.28594666719436646},{"word":"very","start":925.44,"end":925.92,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.31675076484680176},{"word":"diversified","start":925.92,"end":926.42,"confidence":0.95914716,"punctuated_word":"diversified,","sentiment":"neutral","sentiment_score":0.3089722990989685},{"word":"and","start":927.19995,"end":927.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32144322991371155},{"word":"that","start":927.36,"end":927.6,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3112061321735382},{"word":"is","start":927.6,"end":927.75995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2685650885105133},{"word":"why","start":927.75995,"end":928.25995,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.22070826590061188},{"word":"they","start":928.39996,"end":928.63995,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3786804974079132},{"word":"have","start":928.63995,"end":928.87994,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3407648801803589},{"word":"the","start":928.87994,"end":929.12,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30913281440734863},{"word":"higher","start":929.12,"end":929.6,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.29910221695899963},{"word":"allocation","start":929.6,"end":930.1,"confidence":0.99902344,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.28986749053001404},{"word":"allocated","start":930.56,"end":931.06,"confidence":0.99902344,"punctuated_word":"allocated","sentiment":"neutral","sentiment_score":0.3047548234462738},{"word":"to","start":931.27997,"end":931.44,"confidence":0.8774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32060304284095764},{"word":"them","start":931.44,"end":931.94,"confidence":0.99853516,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.23020727932453156},{"word":"now","start":932.975,"end":933.295,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09600429236888884},{"word":"what","start":933.295,"end":933.535,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08654406666755676},{"word":"the","start":933.535,"end":933.77496,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09376482665538788},{"word":"other","start":933.77496,"end":934.175,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08878546953201294},{"word":"investments","start":934.175,"end":934.675,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05430839955806732},{"word":"are","start":935.21497,"end":935.455,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09216231107711792},{"word":"is","start":935.455,"end":935.695,"confidence":0.9453125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08372941613197327},{"word":"what","start":935.695,"end":936.015,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06170795112848282},{"word":"we","start":936.015,"end":936.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07765436917543411},{"word":"then","start":936.175,"end":936.495,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09562873840332033},{"word":"call","start":936.495,"end":936.995,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07454259693622589},{"word":"your","start":937.055,"end":937.555,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08357731997966766},{"word":"satellite","start":937.855,"end":938.355,"confidence":0.9980469,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.06810513883829117},{"word":"investment","start":938.735,"end":939.235,"confidence":0.9157715,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.0525263249874115},{"word":"basically","start":940.095,"end":940.595,"confidence":0.99560547,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.05016219615936279},{"word":"what","start":940.735,"end":940.975,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.058104585856199265},{"word":"they","start":940.975,"end":941.295,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08806878328323364},{"word":"are","start":941.295,"end":941.615,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05718732252717018},{"word":"are","start":941.615,"end":941.77496,"confidence":0.92578125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.059146471321582794},{"word":"your","start":941.77496,"end":942.095,"confidence":0.89453125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09157703071832655},{"word":"more","start":942.095,"end":942.33496,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07906749844551086},{"word":"kind","start":942.33496,"end":942.575,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08136708289384842},{"word":"of","start":942.575,"end":942.89496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08451372385025024},{"word":"dynamic","start":942.89496,"end":943.39496,"confidence":1.0,"punctuated_word":"dynamic","sentiment":"neutral","sentiment_score":0.11403525620698927},{"word":"and","start":943.455,"end":943.855,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07265613973140717},{"word":"specialized","start":943.855,"end":944.355,"confidence":0.9980469,"punctuated_word":"specialized","sentiment":"neutral","sentiment_score":0.07031576335430145},{"word":"investments","start":944.815,"end":945.315,"confidence":0.9499512,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.05858844146132469},{"word":"and","start":945.83,"end":945.91,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0712703987956047},{"word":"they","start":945.91,"end":945.99,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08887983113527298},{"word":"kind","start":945.99,"end":946.07,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09057385474443436},{"word":"of","start":946.07,"end":946.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08142668008804321},{"word":"target","start":946.15,"end":946.65,"confidence":0.9970703,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.09192319214344025},{"word":"specific","start":947.19,"end":947.69,"confidence":0.9980469,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":0.10572441667318344},{"word":"regions","start":947.91,"end":948.41,"confidence":0.8273926,"punctuated_word":"regions,","sentiment":"neutral","sentiment_score":0.10023260861635208},{"word":"sectors","start":949.35,"end":949.85,"confidence":0.91259766,"punctuated_word":"sectors,","sentiment":"neutral","sentiment_score":0.07538129389286041},{"word":"or","start":950.07,"end":950.39,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11376243829727171},{"word":"different","start":950.39,"end":950.79,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.07548722624778748},{"word":"asset","start":950.79,"end":951.29,"confidence":0.99316406,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05505197495222092},{"word":"classes","start":951.35,"end":951.85,"confidence":0.99902344,"punctuated_word":"classes","sentiment":"neutral","sentiment_score":0.07831624150276184},{"word":"in","start":951.99,"end":952.23,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08034829795360565},{"word":"order","start":952.23,"end":952.55,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.08412788063287735},{"word":"to","start":952.55,"end":952.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1263011395931244},{"word":"try","start":952.71,"end":952.95,"confidence":0.93408203,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.21558012068271637},{"word":"to","start":952.95,"end":953.19,"confidence":0.8803711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1863843947649002},{"word":"maximize","start":953.19,"end":953.69,"confidence":0.99902344,"punctuated_word":"maximize","sentiment":"neutral","sentiment_score":0.27085620164871216},{"word":"that","start":953.91,"end":954.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20397615432739255},{"word":"growth","start":954.31,"end":954.81,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2837534248828888},{"word":"for","start":954.95,"end":955.11,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1570318192243576},{"word":"you","start":955.11,"end":955.61,"confidence":0.9790039,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07447878271341324},{"word":"but","start":956.07,"end":956.31,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.010927200317382812},{"word":"they","start":956.31,"end":956.55,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03294149786233902},{"word":"can","start":956.55,"end":956.87,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.045967161655426025},{"word":"also","start":956.87,"end":957.19,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.02287999168038368},{"word":"be","start":957.19,"end":957.51,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04622543603181839},{"word":"a","start":957.51,"end":957.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07425006479024887},{"word":"little","start":957.67,"end":957.99,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1091093122959137},{"word":"bit","start":957.99,"end":958.23,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11898495256900787},{"word":"more","start":958.23,"end":958.47,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11172446608543396},{"word":"volatile","start":958.47,"end":958.97,"confidence":0.9707031,"punctuated_word":"volatile,","sentiment":"neutral","sentiment_score":-0.09570226073265076},{"word":"and","start":959.27,"end":959.51,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.055845439434051514},{"word":"that","start":959.51,"end":959.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023052483797073364},{"word":"is","start":959.67,"end":959.91,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.029315687716007233},{"word":"why","start":959.91,"end":960.07,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.006459929049015045},{"word":"we","start":960.07,"end":960.31,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.024400830268859863},{"word":"only","start":960.31,"end":960.71,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.004851095378398895},{"word":"allocate","start":960.71,"end":961.19,"confidence":1.0,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.044546063989400864},{"word":"a","start":961.19,"end":961.515,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035914599895477295},{"word":"smaller","start":961.755,"end":962.075,"confidence":0.99902344,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.03397197276353836},{"word":"portion","start":962.075,"end":962.575,"confidence":0.99902344,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.03324398770928383},{"word":"to","start":962.635,"end":962.79504,"confidence":0.7402344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0522010400891304},{"word":"these","start":962.79504,"end":963.195,"confidence":0.6694336,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.024245496839284897},{"word":"investments","start":963.195,"end":963.695,"confidence":0.87109375,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.010966410860419272},{"word":"does","start":963.995,"end":964.235,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0705908015370369},{"word":"that","start":964.235,"end":964.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10221169888973236},{"word":"make","start":964.395,"end":964.555,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07323969900608063},{"word":"sense","start":964.555,"end":964.79504,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.05783247575163841},{"word":"so","start":964.79504,"end":965.03503,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03898853808641434},{"word":"far","start":965.03503,"end":965.53503,"confidence":0.9975586,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.054511867463588715},{"word":"yeah","start":966.875,"end":967.35504,"confidence":0.7409668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23708350956439972},{"word":"perfect","start":967.35504,"end":967.835,"confidence":0.98999023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40255069732666016},{"word":"so","start":967.835,"end":968.075,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25730931758880615},{"word":"you","start":968.075,"end":968.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24307002127170563},{"word":"can","start":968.235,"end":968.47504,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16842100024223328},{"word":"see","start":968.47504,"end":968.715,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15460628271102905},{"word":"we","start":968.715,"end":968.875,"confidence":0.9111328,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19444012641906736},{"word":"are","start":968.875,"end":969.115,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21496152877807617},{"word":"keeping","start":969.115,"end":969.59503,"confidence":0.99194336,"punctuated_word":"keeping,","sentiment":"neutral","sentiment_score":0.21927356719970703},{"word":"for","start":969.59503,"end":969.835,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19732922315597537},{"word":"example","start":969.835,"end":970.315,"confidence":1.0,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.2688714861869812},{"word":"beta","start":970.315,"end":970.715,"confidence":0.45458984,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.24624012410640717},{"word":"share","start":970.715,"end":971.03503,"confidence":0.83984375,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.281696617603302},{"word":"cybersecurity","start":971.03503,"end":971.53503,"confidence":0.8798828,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.2410161942243576},{"word":"in","start":972.395,"end":972.635,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22116689383983612},{"word":"your","start":972.635,"end":972.955,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2656882107257843},{"word":"portfolio","start":972.955,"end":973.455,"confidence":0.7421875,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1816020309925079},{"word":"just","start":973.995,"end":974.315,"confidence":0.7607422,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1607072502374649},{"word":"increasing","start":974.315,"end":974.815,"confidence":0.99902344,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.216410368680954},{"word":"it","start":974.875,"end":975.03503,"confidence":0.8989258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26283732056617737},{"word":"just","start":975.03503,"end":975.275,"confidence":0.90234375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19016550481319427},{"word":"slightly","start":975.275,"end":975.775,"confidence":1.0,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.1649128794670105},{"word":"to","start":975.835,"end":976.235,"confidence":0.93115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22093547880649567},{"word":"6%","start":976.235,"end":977.135,"confidence":0.9836426,"punctuated_word":"6%.","sentiment":"neutral","sentiment_score":0.21726474165916443},{"word":"same","start":978.45,"end":978.77,"confidence":0.99609375,"punctuated_word":"Same","sentiment":"neutral","sentiment_score":0.11884596943855286},{"word":"with","start":978.77,"end":979.25,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1565518081188202},{"word":"the","start":979.25,"end":979.33,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18132150173187256},{"word":"ishares","start":979.33,"end":979.83,"confidence":0.95458984,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.17302027344703674},{"word":"europe","start":979.89,"end":980.37,"confidence":0.7651367,"punctuated_word":"Europe.","sentiment":"neutral","sentiment_score":0.17318052053451538},{"word":"you","start":980.37,"end":980.61,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.20133396983146667},{"word":"already","start":980.61,"end":981.08997,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.27891138195991516},{"word":"have","start":981.08997,"end":981.33,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19880931079387665},{"word":"that","start":981.33,"end":981.57,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2489722371101379},{"word":"in","start":981.57,"end":981.73,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1718447208404541},{"word":"your","start":981.73,"end":982.13,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2072173207998276},{"word":"portfolio","start":982.13,"end":982.63,"confidence":0.9301758,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.1608782559633255},{"word":"again","start":983.08997,"end":983.41,"confidence":0.9980469,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.15834370255470276},{"word":"just","start":983.41,"end":983.81,"confidence":0.97314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1559797376394272},{"word":"increasing","start":983.81,"end":984.29,"confidence":0.9921875,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.19959697127342224},{"word":"it","start":984.29,"end":984.52997,"confidence":0.93115234,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23988933861255649},{"word":"a","start":984.52997,"end":984.69,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21374529600143433},{"word":"little","start":984.69,"end":984.93,"confidence":0.9921875,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1552576869726181},{"word":"bit","start":984.93,"end":985.41,"confidence":0.9790039,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16641728579998016},{"word":"to","start":985.41,"end":985.91,"confidence":0.8618164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19794714450836184},{"word":"9%","start":986.05,"end":986.95,"confidence":0.9785156,"punctuated_word":"9%.","sentiment":"neutral","sentiment_score":0.20623692870140076},{"word":"we","start":988.29,"end":988.52997,"confidence":0.6982422,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1858560740947723},{"word":"are","start":988.52997,"end":988.85,"confidence":0.9267578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1991686373949051},{"word":"then","start":988.85,"end":989.35,"confidence":0.8730469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2214214950799942},{"word":"introducing","start":990.985,"end":991.485,"confidence":0.9604492,"punctuated_word":"introducing","sentiment":"neutral","sentiment_score":0.1958917081356049},{"word":"a","start":991.785,"end":992.02496,"confidence":0.50341797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22773203253746033},{"word":"investment","start":992.02496,"end":992.52496,"confidence":0.85595703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13364166021347046},{"word":"in","start":992.665,"end":992.985,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21649634838104248},{"word":"japan","start":992.985,"end":993.485,"confidence":0.9658203,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.1687162220478058},{"word":"just","start":993.785,"end":994.02496,"confidence":0.7104492,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2353596389293671},{"word":"at","start":994.02496,"end":994.185,"confidence":0.984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2566952109336853},{"word":"about","start":994.185,"end":994.665,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21922361850738523},{"word":"5%","start":994.665,"end":995.485,"confidence":0.99902344,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.25944241881370544},{"word":"because","start":995.945,"end":996.26495,"confidence":0.5131836,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.236746609210968},{"word":"we","start":996.26495,"end":996.425,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25799837708473206},{"word":"wanna","start":996.425,"end":996.745,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3704417943954468},{"word":"make","start":996.745,"end":996.90497,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.31585001945495605},{"word":"sure","start":996.90497,"end":997.14496,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.34160667657852173},{"word":"we","start":997.14496,"end":997.305,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3692740201950073},{"word":"have","start":997.305,"end":997.785,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3851254880428314},{"word":"very","start":997.785,"end":998.02496,"confidence":0.97802734,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.32178544998168945},{"word":"diversified","start":998.02496,"end":998.52496,"confidence":0.99902344,"punctuated_word":"diversified","sentiment":"positive","sentiment_score":0.3435881733894348},{"word":"across","start":998.745,"end":999.14496,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.39324453473091125},{"word":"the","start":999.14496,"end":999.305,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.352775514125824},{"word":"globe","start":999.305,"end":999.785,"confidence":0.9951172,"punctuated_word":"globe","sentiment":"positive","sentiment_score":0.3383670151233673},{"word":"and","start":999.785,"end":1000.02496,"confidence":0.6376953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32053646445274353},{"word":"not","start":1000.02496,"end":1000.345,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.215689554810524},{"word":"just","start":1000.345,"end":1000.845,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2170238494873047},{"word":"in","start":1000.90497,"end":1001.385,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2309287786483765},{"word":"australia","start":1001.385,"end":1001.885,"confidence":1.0,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.16223940253257751},{"word":"and","start":1002.02496,"end":1002.185,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17423278093338013},{"word":"the","start":1002.185,"end":1002.425,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.16793698072433472},{"word":"us","start":1002.425,"end":1002.925,"confidence":0.9890137,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.20350897312164307},{"word":"we","start":1003.225,"end":1003.385,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.33014464378356934},{"word":"wanna","start":1003.385,"end":1003.70496,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4278232455253601},{"word":"give","start":1003.70496,"end":1003.865,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.32319149374961853},{"word":"you","start":1003.865,"end":1004.02496,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4129065871238709},{"word":"good","start":1004.02496,"end":1004.345,"confidence":0.99316406,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3490579128265381},{"word":"diversification","start":1004.345,"end":1004.845,"confidence":0.99609375,"punctuated_word":"diversification.","sentiment":"positive","sentiment_score":0.33936378359794617},{"word":"that","start":1006.77,"end":1007.09,"confidence":0.9863281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2185483276844025},{"word":"also","start":1007.09,"end":1007.49,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21409299969673157},{"word":"comes","start":1007.49,"end":1007.81,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.21898895502090457},{"word":"into","start":1007.81,"end":1008.21,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21224160492420197},{"word":"play","start":1008.21,"end":1008.61,"confidence":0.82006836,"punctuated_word":"play,","sentiment":"neutral","sentiment_score":0.22488944232463837},{"word":"the","start":1008.61,"end":1008.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2277172803878784},{"word":"one","start":1008.77,"end":1009.01,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18437474966049192},{"word":"underneath","start":1009.01,"end":1009.51,"confidence":1.0,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.11947110295295715},{"word":"it","start":1009.57,"end":1009.81,"confidence":0.99316406,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.13363923132419586},{"word":"which","start":1009.81,"end":1010.05,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17348167300224304},{"word":"is","start":1010.05,"end":1010.21,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12671907246112823},{"word":"your","start":1010.21,"end":1010.52997,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13888192176818848},{"word":"vanguard","start":1010.52997,"end":1011.02997,"confidence":0.9921875,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.0882130116224289},{"word":"all","start":1011.09,"end":1011.33,"confidence":0.54785156,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.12892848253250122},{"word":"world","start":1011.33,"end":1011.83,"confidence":0.8491211,"punctuated_word":"World.","sentiment":"neutral","sentiment_score":0.1289176493883133},{"word":"now","start":1012.13,"end":1012.37,"confidence":0.73046875,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.07794194668531418},{"word":"you","start":1012.37,"end":1012.52997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05986287444829941},{"word":"may","start":1012.52997,"end":1012.61,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.05487911403179169},{"word":"have","start":1012.61,"end":1012.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05832470580935478},{"word":"heard","start":1012.85,"end":1013.01,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":0.028809787705540657},{"word":"of","start":1013.01,"end":1013.17,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03521997854113579},{"word":"vanguard","start":1013.17,"end":1013.67,"confidence":0.86279297,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.020435858517885208},{"word":"before","start":1013.81,"end":1014.29,"confidence":0.9477539,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.04686065390706062},{"word":"they're","start":1014.29,"end":1014.52997,"confidence":0.8039551,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.07681874930858612},{"word":"quite","start":1014.52997,"end":1014.93,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.06458908319473267},{"word":"big","start":1014.93,"end":1015.43,"confidence":0.8835449,"punctuated_word":"big.","sentiment":"neutral","sentiment_score":0.07639892399311066},{"word":"but","start":1015.65,"end":1015.97,"confidence":0.9099121,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.061902470886707306},{"word":"basically","start":1015.97,"end":1016.47,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.05996505543589592},{"word":"this","start":1016.61,"end":1016.77,"confidence":0.9667969,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08143338561058044},{"word":"one","start":1016.77,"end":1017.09,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07411174476146698},{"word":"investment","start":1017.09,"end":1017.59,"confidence":0.8989258,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04091745615005493},{"word":"at","start":1017.81,"end":1017.97,"confidence":0.67822266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06817783415317535},{"word":"about","start":1017.97,"end":1018.37,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08260776102542877},{"word":"8%","start":1018.37,"end":1019.11,"confidence":0.99658203,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.10255754739046095},{"word":"invest","start":1019.705,"end":1020.185,"confidence":0.6381836,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.0716937780380249},{"word":"in","start":1020.185,"end":1020.505,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09406936168670654},{"word":"companies","start":1020.505,"end":1021.005,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.07656359672546387},{"word":"all","start":1021.145,"end":1021.385,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11407197266817092},{"word":"around","start":1021.385,"end":1021.865,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.11521189659833908},{"word":"the","start":1021.865,"end":1022.105,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09747256338596344},{"word":"globe","start":1022.105,"end":1022.605,"confidence":0.90966797,"punctuated_word":"globe,","sentiment":"neutral","sentiment_score":0.09194787591695786},{"word":"but","start":1022.985,"end":1023.145,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04114636406302452},{"word":"it","start":1023.145,"end":1023.305,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03983850032091141},{"word":"does","start":1023.305,"end":1023.78503,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.011800944805145264},{"word":"exclude","start":1023.78503,"end":1024.285,"confidence":0.99316406,"punctuated_word":"exclude","sentiment":"neutral","sentiment_score":0.04722530022263527},{"word":"the","start":1024.505,"end":1024.825,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0093560591340065},{"word":"us","start":1024.825,"end":1025.325,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.013332590460777284},{"word":"because","start":1025.385,"end":1025.865,"confidence":0.9199219,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.040661655366420746},{"word":"you","start":1025.865,"end":1026.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09152141958475112},{"word":"already","start":1026.105,"end":1026.505,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.13439083099365234},{"word":"have","start":1026.505,"end":1026.825,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08886594325304031},{"word":"exposure","start":1026.825,"end":1027.325,"confidence":0.9921875,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.03359406068921089},{"word":"to","start":1027.385,"end":1027.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08987284451723099},{"word":"the","start":1027.545,"end":1027.785,"confidence":0.9863281,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04892958700656891},{"word":"us","start":1027.785,"end":1028.105,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.008994065225124359},{"word":"market","start":1028.105,"end":1028.605,"confidence":0.9921875,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.0834471583366394},{"word":"in","start":1028.665,"end":1028.825,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1337181180715561},{"word":"that","start":1028.825,"end":1029.0651,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1240982785820961},{"word":"ihs","start":1029.0651,"end":1029.545,"confidence":0.6867676,"punctuated_word":"IHS","sentiment":"neutral","sentiment_score":0.08447045087814331},{"word":"s","start":1029.545,"end":1029.705,"confidence":0.6694336,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.07903442531824112},{"word":"and","start":1029.705,"end":1029.865,"confidence":0.9111328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09195463359355928},{"word":"p","start":1029.865,"end":1030.185,"confidence":0.9970703,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.08357485383749008},{"word":"500","start":1030.185,"end":1030.925,"confidence":0.8769531,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.09543308615684508},{"word":"and","start":1031.225,"end":1031.385,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.049257416278123856},{"word":"we","start":1031.385,"end":1031.545,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04989522695541382},{"word":"don't","start":1031.545,"end":1031.785,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.008008095435798168},{"word":"wanna","start":1031.785,"end":1032.105,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.012598201632499697},{"word":"have","start":1032.105,"end":1032.425,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00784265249967575},{"word":"two","start":1032.425,"end":1032.665,"confidence":0.7397461,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.05780681222677231},{"word":"overexposure","start":1032.665,"end":1033.165,"confidence":0.9358724,"punctuated_word":"overexposure","sentiment":"neutral","sentiment_score":-0.07398957014083862},{"word":"into","start":1033.465,"end":1033.865,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.02275400608778},{"word":"one","start":1033.865,"end":1034.105,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0007997974753379822},{"word":"market","start":1034.105,"end":1034.585,"confidence":0.9902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.006856419146060944},{"word":"either","start":1034.585,"end":1035.085,"confidence":0.9995117,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":0.02803398296236992},{"word":"does","start":1035.21,"end":1035.45,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1437590718269348},{"word":"that","start":1035.45,"end":1035.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17135444283485413},{"word":"make","start":1035.69,"end":1036.19,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11807497590780258},{"word":"sense","start":1036.73,"end":1037.23,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.10918882489204408},{"word":"yep","start":1037.77,"end":1038.27,"confidence":0.87475586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28499144315719604},{"word":"and","start":1038.4099,"end":1038.49,"confidence":0.51464844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3020949959754944},{"word":"now","start":1038.49,"end":1038.73,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.26014745235443115},{"word":"we","start":1038.73,"end":1039.0499,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24076439440250397},{"word":"also","start":1039.0499,"end":1039.45,"confidence":0.984375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3052400052547455},{"word":"then","start":1039.45,"end":1039.85,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3218349814414978},{"word":"have","start":1039.85,"end":1040.33,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3128819763660431},{"word":"your","start":1040.33,"end":1040.73,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3505792021751404},{"word":"your","start":1040.73,"end":1041.21,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3608546555042267},{"word":"defensive","start":1041.21,"end":1041.71,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.2217670977115631},{"word":"investment","start":1041.9299,"end":1042.4299,"confidence":0.75683594,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.2145678699016571},{"word":"so","start":1042.49,"end":1042.73,"confidence":0.93603516,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.3015134334564209},{"word":"again","start":1042.73,"end":1043.0499,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.31660038232803345},{"word":"a","start":1043.0499,"end":1043.21,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3345315456390381},{"word":"little","start":1043.21,"end":1043.45,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2740936279296875},{"word":"bit","start":1043.45,"end":1043.69,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28879880905151367},{"word":"to","start":1043.69,"end":1043.77,"confidence":0.8984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25946593284606934},{"word":"kinda","start":1043.77,"end":1044.1699,"confidence":0.6899414,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.23529104888439176},{"word":"limit","start":1044.1699,"end":1044.6699,"confidence":0.9970703,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.1837727129459381},{"word":"fluctuations","start":1044.73,"end":1045.23,"confidence":0.7363281,"punctuated_word":"fluctuations,","sentiment":"neutral","sentiment_score":0.1864968240261078},{"word":"which","start":1046.6499,"end":1046.97,"confidence":0.6425781,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2314678430557251},{"word":"if","start":1046.97,"end":1047.21,"confidence":0.87353516,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23872028291225433},{"word":"you","start":1047.21,"end":1047.71,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22060075402259827},{"word":"scroll","start":1047.85,"end":1048.25,"confidence":0.99902344,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.1764039397239685},{"word":"down","start":1048.25,"end":1048.57,"confidence":0.7644043,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.21756812930107117},{"word":"the","start":1048.57,"end":1048.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23014329373836517},{"word":"table","start":1048.73,"end":1049.0499,"confidence":0.9980469,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.16164253652095795},{"word":"kind","start":1049.0499,"end":1049.2899,"confidence":0.96875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1356547474861145},{"word":"of","start":1049.2899,"end":1049.5299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19097882509231567},{"word":"splits","start":1049.5299,"end":1049.85,"confidence":0.6010742,"punctuated_word":"splits","sentiment":"neutral","sentiment_score":0.15175089240074158},{"word":"into","start":1049.85,"end":1050.35,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1919005662202835},{"word":"the","start":1050.57,"end":1050.8099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22793272137641907},{"word":"next","start":1050.8099,"end":1051.185,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.153036430478096},{"word":"page","start":1051.505,"end":1052.005,"confidence":0.920166,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.1665135622024536},{"word":"you","start":1052.385,"end":1052.625,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2921677529811859},{"word":"will","start":1052.625,"end":1052.785,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.333859384059906},{"word":"see","start":1052.785,"end":1053.185,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2896517813205719},{"word":"7%","start":1053.185,"end":1054.145,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.3003275394439697},{"word":"in","start":1054.145,"end":1054.645,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3372661769390106},{"word":"gold","start":1054.7051,"end":1055.185,"confidence":0.8183594,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.306728720664978},{"word":"to","start":1055.185,"end":1055.425,"confidence":0.7026367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26255080103874207},{"word":"kinda","start":1055.425,"end":1055.7451,"confidence":0.46289062,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3458095192909241},{"word":"stabilize","start":1055.7451,"end":1056.2451,"confidence":0.9921875,"punctuated_word":"stabilize","sentiment":"neutral","sentiment_score":0.3222806453704834},{"word":"a","start":1056.545,"end":1056.8651,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43395164608955383},{"word":"little","start":1056.8651,"end":1057.1051,"confidence":0.9707031,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3411668837070465},{"word":"bit","start":1057.1051,"end":1057.425,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4035952687263489},{"word":"for","start":1057.425,"end":1057.5851,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4196165800094605},{"word":"you","start":1057.5851,"end":1057.905,"confidence":0.9082031,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3770279884338379},{"word":"especially","start":1057.905,"end":1058.305,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.3721904456615448},{"word":"when","start":1058.305,"end":1058.545,"confidence":0.9892578,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3571491539478302},{"word":"there","start":1058.545,"end":1058.7051,"confidence":0.90234375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2969818413257599},{"word":"are","start":1058.7051,"end":1058.785,"confidence":0.9707031,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3039574921131134},{"word":"a","start":1058.785,"end":1058.8651,"confidence":0.42456055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.278362512588501},{"word":"bit","start":1058.8651,"end":1059.025,"confidence":0.9604492,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20416903495788577},{"word":"of","start":1059.025,"end":1059.185,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18839484453201297},{"word":"fluctuations","start":1059.185,"end":1059.685,"confidence":0.9892578,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.1295187771320343},{"word":"in","start":1059.8251,"end":1059.9851,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.182588130235672},{"word":"the","start":1059.9851,"end":1060.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19499029219150543},{"word":"market","start":1060.145,"end":1060.645,"confidence":0.80371094,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":0.18608225882053375},{"word":"and","start":1061.185,"end":1061.3451,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22584207355976105},{"word":"then","start":1061.3451,"end":1061.7451,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13452444970607758},{"word":"5%","start":1061.7451,"end":1062.645,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2003382444381714},{"word":"into","start":1063.1051,"end":1063.6051,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21628165245056152},{"word":"your","start":1063.7451,"end":1064.0651,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2241375595331192},{"word":"your","start":1064.0651,"end":1064.385,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22032734751701355},{"word":"fixed","start":1064.385,"end":1064.8651,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.18800118565559387},{"word":"interest","start":1064.8651,"end":1065.36,"confidence":0.97875977,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.1720752716064453},{"word":"so","start":1065.44,"end":1065.6,"confidence":0.93969727,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.28051888942718506},{"word":"again","start":1065.6,"end":1065.84,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.3212398886680603},{"word":"trying","start":1065.84,"end":1066.32,"confidence":0.5151367,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.4463734030723572},{"word":"to","start":1066.32,"end":1066.4,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.403253436088562},{"word":"limit","start":1066.4,"end":1066.88,"confidence":1.0,"punctuated_word":"limit","sentiment":"positive","sentiment_score":0.34117060899734497},{"word":"fluctuation","start":1066.88,"end":1067.38,"confidence":0.6901042,"punctuated_word":"fluctuation,","sentiment":"positive","sentiment_score":0.3861896991729736},{"word":"and","start":1069.6,"end":1069.84,"confidence":0.90478516,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3727552890777588},{"word":"that","start":1069.84,"end":1070.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33310842514038086},{"word":"basically","start":1070.08,"end":1070.58,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.27069947123527527},{"word":"gives","start":1070.64,"end":1071.04,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.3031901717185974},{"word":"you","start":1071.04,"end":1071.44,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3653050065040589},{"word":"the","start":1071.44,"end":1071.84,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3541797399520874},{"word":"portfolio","start":1071.84,"end":1072.34,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.289715975522995},{"word":"now","start":1072.88,"end":1073.12,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.30938616394996643},{"word":"if","start":1073.12,"end":1073.36,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32509058713912964},{"word":"you","start":1073.36,"end":1073.52,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3195944130420685},{"word":"wanted","start":1073.52,"end":1073.84,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.28489717841148376},{"word":"to","start":1073.84,"end":1074.0,"confidence":0.9250488,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.273662805557251},{"word":"when","start":1074.0,"end":1074.16,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.25264933705329895},{"word":"you","start":1074.16,"end":1074.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2442178726196289},{"word":"have","start":1074.32,"end":1074.48,"confidence":0.98291016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2135777324438095},{"word":"a","start":1074.48,"end":1074.5599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2205313742160797},{"word":"bit","start":1074.5599,"end":1074.72,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17651459574699402},{"word":"more","start":1074.72,"end":1074.96,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1673281043767929},{"word":"time","start":1074.96,"end":1075.28,"confidence":0.99194336,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.2784948945045471},{"word":"go","start":1075.28,"end":1075.44,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34389999508857727},{"word":"and","start":1075.44,"end":1075.6,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2939802408218384},{"word":"read","start":1075.6,"end":1075.84,"confidence":0.9941406,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.21909081935882568},{"word":"up","start":1075.84,"end":1076.0,"confidence":0.9838867,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19942079484462735},{"word":"on","start":1076.0,"end":1076.16,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.244967982172966},{"word":"these","start":1076.16,"end":1076.4,"confidence":0.99609375,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2728740870952606},{"word":"investments","start":1076.4,"end":1076.9,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1847807765007019},{"word":"as","start":1077.12,"end":1077.28,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29688170552253723},{"word":"well","start":1077.28,"end":1077.78,"confidence":0.741333,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2529459297657013},{"word":"in","start":1078.095,"end":1078.335,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.248306468129158},{"word":"the","start":1078.335,"end":1078.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26782503724098206},{"word":"appendix","start":1078.895,"end":1079.395,"confidence":0.99609375,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.20987296104431152},{"word":"which","start":1079.455,"end":1079.695,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.22298409044742584},{"word":"is","start":1079.695,"end":1079.9349,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14401879906654358},{"word":"the","start":1079.9349,"end":1080.095,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15251904726028442},{"word":"second","start":1080.095,"end":1080.595,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.13173791766166687},{"word":"attachment","start":1081.0549,"end":1081.5549,"confidence":0.6850586,"punctuated_word":"attachment","sentiment":"neutral","sentiment_score":0.1264531910419464},{"word":"that","start":1082.255,"end":1082.415,"confidence":0.87841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.151501402258873},{"word":"you","start":1082.415,"end":1082.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13532453775405884},{"word":"can","start":1082.575,"end":1082.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14914211630821228},{"word":"see","start":1082.735,"end":1082.895,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.20481958985328672},{"word":"in","start":1082.895,"end":1083.0549,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1527387946844101},{"word":"this","start":1083.0549,"end":1083.2949,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1943601369857788},{"word":"document","start":1083.2949,"end":1083.775,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1559213250875473},{"word":"later","start":1083.775,"end":1084.275,"confidence":0.9921875,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.26164352893829346},{"word":"i","start":1084.655,"end":1084.815,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4087725877761841},{"word":"have","start":1084.815,"end":1085.135,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3623754680156708},{"word":"included","start":1085.135,"end":1085.615,"confidence":0.99902344,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.39936691522598267},{"word":"all","start":1085.615,"end":1085.775,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3584964871406555},{"word":"the","start":1085.775,"end":1086.015,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3579830825328827},{"word":"investment","start":1086.015,"end":1086.515,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1753092259168625},{"word":"links","start":1086.575,"end":1087.075,"confidence":0.99902344,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.31411969661712646},{"word":"through","start":1087.135,"end":1087.375,"confidence":0.9199219,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.35646113753318787},{"word":"these","start":1087.375,"end":1087.695,"confidence":0.9921875,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4172556102275848},{"word":"investments","start":1087.695,"end":1088.195,"confidence":0.9836426,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.24478518962860107},{"word":"so","start":1088.495,"end":1088.735,"confidence":0.9921875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35195446014404297},{"word":"full","start":1088.735,"end":1089.0549,"confidence":0.79541016,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.40540534257888794},{"word":"transparency","start":1089.0549,"end":1089.5549,"confidence":0.77978516,"punctuated_word":"transparency,","sentiment":"positive","sentiment_score":0.38953179121017456},{"word":"so","start":1089.775,"end":1089.9349,"confidence":0.9902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.44973576068878174},{"word":"you","start":1089.9349,"end":1090.095,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4331786632537842},{"word":"can","start":1090.095,"end":1090.255,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4597277343273163},{"word":"go","start":1090.255,"end":1090.415,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5245669484138489},{"word":"and","start":1090.415,"end":1090.575,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4396134614944458},{"word":"have","start":1090.575,"end":1090.735,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42210882902145386},{"word":"a","start":1090.735,"end":1090.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3967154324054718},{"word":"look","start":1090.815,"end":1091.0549,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.25767213106155396},{"word":"at","start":1091.0549,"end":1091.215,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2933923006057739},{"word":"them","start":1091.215,"end":1091.715,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.3202766180038452},{"word":"if","start":1092.255,"end":1092.415,"confidence":0.8857422,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.33417683839797974},{"word":"you","start":1092.415,"end":1092.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27225303649902344},{"word":"would","start":1092.575,"end":1092.815,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2462831735610962},{"word":"like","start":1092.815,"end":1093.0549,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.29393523931503296},{"word":"to","start":1093.0549,"end":1093.2949,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33137550950050354},{"word":"as","start":1093.2949,"end":1093.535,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2994963824748993},{"word":"well","start":1093.535,"end":1093.83,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2583967447280884},{"word":"now","start":1097.0299,"end":1097.35,"confidence":0.98095703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.158535897731781},{"word":"you","start":1097.35,"end":1097.51,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17952583730220795},{"word":"will","start":1097.51,"end":1097.83,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2144353687763214},{"word":"also","start":1097.83,"end":1098.33,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13642409443855286},{"word":"see","start":1098.39,"end":1098.63,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.223434180021286},{"word":"just","start":1098.63,"end":1098.87,"confidence":0.9482422,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2063693106174469},{"word":"the","start":1098.87,"end":1099.11,"confidence":0.8144531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20486412942409515},{"word":"cash","start":1099.11,"end":1099.51,"confidence":0.99316406,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.1669871062040329},{"word":"account","start":1099.51,"end":1099.99,"confidence":0.9291992,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.1176186054944992},{"word":"on","start":1099.99,"end":1100.1499,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17401383817195892},{"word":"the","start":1100.1499,"end":1100.3099,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1830649375915527},{"word":"same","start":1100.3099,"end":1100.63,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.16083583235740662},{"word":"page","start":1100.63,"end":1101.11,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1162864714860916},{"word":"18","start":1101.11,"end":1101.61,"confidence":0.74560547,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.1636408567428589},{"word":"with","start":1102.07,"end":1102.39,"confidence":0.9716797,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.20037046074867249},{"word":"hub","start":1102.39,"end":1102.7899,"confidence":0.59228516,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2381892055273056},{"word":"twenty","start":1102.7899,"end":1103.11,"confidence":0.9951172,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.27737975120544434},{"word":"four","start":1103.11,"end":1103.35,"confidence":0.99902344,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.23433713614940643},{"word":"they","start":1103.35,"end":1103.59,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2557922899723053},{"word":"do","start":1103.59,"end":1103.75,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19651784002780912},{"word":"have","start":1103.75,"end":1103.99,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2566547989845276},{"word":"a","start":1103.99,"end":1104.23,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21474429965019223},{"word":"minimum","start":1104.23,"end":1104.71,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.130092591047287},{"word":"of","start":1104.71,"end":1105.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19992798566818237},{"word":"1.25%","start":1105.11,"end":1106.7899,"confidence":0.996875,"punctuated_word":"1.25%","sentiment":"neutral","sentiment_score":0.19675664603710177},{"word":"that","start":1106.7899,"end":1107.0299,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24845317006111145},{"word":"has","start":1107.0299,"end":1107.35,"confidence":0.9277344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.12745989859104156},{"word":"to","start":1107.35,"end":1107.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16098365187644958},{"word":"be","start":1107.51,"end":1107.6699,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1619337797164917},{"word":"in","start":1107.6699,"end":1107.99,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14533346891403198},{"word":"cash","start":1107.99,"end":1108.3099,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.13933198153972626},{"word":"in","start":1108.3099,"end":1108.5499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20419910550117493},{"word":"the","start":1108.5499,"end":1108.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2547256648540497},{"word":"account","start":1108.71,"end":1109.21,"confidence":0.8864746,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.19776824116706848},{"word":"and","start":1109.5549,"end":1109.715,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2127482146024704},{"word":"that","start":1109.715,"end":1109.955,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1741778999567032},{"word":"is","start":1109.955,"end":1110.275,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14814366400241852},{"word":"just","start":1110.275,"end":1110.595,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14325866103172302},{"word":"for","start":1110.595,"end":1110.835,"confidence":0.9851074,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.14255735278129578},{"word":"like","start":1110.835,"end":1111.075,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13378840684890747},{"word":"administration","start":1111.075,"end":1111.575,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.1371401995420456},{"word":"fees","start":1111.955,"end":1112.275,"confidence":0.984375,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.14382880926132202},{"word":"and","start":1112.275,"end":1112.515,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22581994533538816},{"word":"processing","start":1112.515,"end":1112.995,"confidence":1.0,"punctuated_word":"processing","sentiment":"neutral","sentiment_score":0.17103856801986694},{"word":"and","start":1112.995,"end":1113.235,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2527681589126587},{"word":"everything","start":1113.235,"end":1113.735,"confidence":0.9970703,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.20443157851696017},{"word":"so","start":1114.035,"end":1114.275,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.354312926530838},{"word":"we","start":1114.275,"end":1114.4349,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4462090730667114},{"word":"do","start":1114.4349,"end":1114.595,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.411548376083374},{"word":"wanna","start":1114.595,"end":1114.915,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5316234827041626},{"word":"keep","start":1114.915,"end":1115.075,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.499911367893219},{"word":"it","start":1115.075,"end":1115.235,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.448237657546997},{"word":"as","start":1115.235,"end":1115.395,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.43187814950942993},{"word":"close","start":1115.395,"end":1115.635,"confidence":1.0,"punctuated_word":"close","sentiment":"positive","sentiment_score":0.484973818063736},{"word":"to","start":1115.635,"end":1115.795,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5230151414871216},{"word":"the","start":1115.795,"end":1115.955,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4459338188171386},{"word":"target","start":1115.955,"end":1116.355,"confidence":1.0,"punctuated_word":"target","sentiment":"positive","sentiment_score":0.3932841122150421},{"word":"way","start":1116.355,"end":1116.595,"confidence":0.6245117,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4827926456928253},{"word":"as","start":1116.595,"end":1116.835,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35867932438850403},{"word":"possible","start":1116.835,"end":1117.315,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.35233643651008606},{"word":"because","start":1117.315,"end":1117.5549,"confidence":0.8442383,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.35194480419158936},{"word":"we","start":1117.5549,"end":1117.715,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4342738389968872},{"word":"want","start":1117.715,"end":1118.035,"confidence":0.96875,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.5320900678634644},{"word":"majority","start":1118.035,"end":1118.515,"confidence":0.99902344,"punctuated_word":"majority","sentiment":"positive","sentiment_score":0.533208966255188},{"word":"of","start":1118.515,"end":1118.6749,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5691642165184021},{"word":"your","start":1118.6749,"end":1118.915,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.644775390625},{"word":"money","start":1118.915,"end":1119.315,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5419523119926453},{"word":"invested","start":1119.315,"end":1119.815,"confidence":0.9970703,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.4721258282661438},{"word":"because","start":1120.115,"end":1120.4349,"confidence":0.8935547,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.4559094309806824},{"word":"that","start":1120.4349,"end":1120.6749,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5798105597496033},{"word":"is","start":1120.6749,"end":1120.835,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6299470067024231},{"word":"going","start":1120.835,"end":1121.075,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.6489012241363525},{"word":"to","start":1121.075,"end":1121.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6145269870758057},{"word":"give","start":1121.235,"end":1121.475,"confidence":0.9980469,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.6020262241363525},{"word":"you","start":1121.475,"end":1121.635,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6241697072982788},{"word":"that","start":1121.635,"end":1121.91,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5322182178497314},{"word":"growth","start":1122.0701,"end":1122.39,"confidence":0.9663086,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.48547714948654175},{"word":"so","start":1122.39,"end":1122.63,"confidence":0.8574219,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2575996518135071},{"word":"we","start":1122.63,"end":1122.79,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29343941807746887},{"word":"have","start":1122.79,"end":1123.03,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3172011971473694},{"word":"to","start":1123.03,"end":1123.1901,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35531720519065857},{"word":"keep","start":1123.1901,"end":1123.51,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2890233099460602},{"word":"about","start":1123.51,"end":1123.75,"confidence":0.99609375,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3336646258831024},{"word":"a","start":1123.75,"end":1123.8301,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3162912130355835},{"word":"minimum","start":1123.8301,"end":1124.31,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.1945453435182571},{"word":"of","start":1124.31,"end":1124.4701,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29516932368278503},{"word":"that","start":1124.4701,"end":1124.7101,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2813381552696228},{"word":"1.25","start":1124.7101,"end":1125.75,"confidence":0.9968262,"punctuated_word":"1.25","sentiment":"neutral","sentiment_score":0.20648270845413208},{"word":"in","start":1125.75,"end":1125.99,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2115427553653717},{"word":"hub","start":1125.99,"end":1126.23,"confidence":0.48120117,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1736677587032318},{"word":"24","start":1126.23,"end":1126.79,"confidence":0.9980469,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.2500767409801483},{"word":"for","start":1126.79,"end":1126.9501,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24494504928588867},{"word":"you","start":1126.9501,"end":1127.4501,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.21592891216278076},{"word":"any","start":1128.79,"end":1129.11,"confidence":0.9863281,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.08113667368888855},{"word":"questions","start":1129.11,"end":1129.5901,"confidence":0.98828125,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05693437904119491},{"word":"so","start":1129.5901,"end":1129.75,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07878033816814423},{"word":"far","start":1129.75,"end":1130.25,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.06764070689678192},{"word":"nope","start":1134.0851,"end":1134.5851,"confidence":0.8745117,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.10407048463821413},{"word":"now","start":1135.285,"end":1135.785,"confidence":0.47021484,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.06574821472167969},{"word":"very","start":1139.045,"end":1139.285,"confidence":0.8432617,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.06921596080064774},{"word":"much","start":1139.285,"end":1139.685,"confidence":0.78808594,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":0.03357119858264923},{"word":"which","start":1139.685,"end":1139.925,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.03593409061431885},{"word":"is","start":1139.925,"end":1140.0851,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02866920828819275},{"word":"why","start":1140.0851,"end":1140.3251,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.03177817165851593},{"word":"i","start":1140.3251,"end":1140.4851,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23616820573806763},{"word":"want","start":1140.4851,"end":1140.805,"confidence":0.9921875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.29119372367858887},{"word":"you","start":1140.805,"end":1140.9651,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28323590755462646},{"word":"as","start":1140.9651,"end":1141.125,"confidence":0.97998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22726885974407196},{"word":"well","start":1141.125,"end":1141.365,"confidence":0.8366699,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1717713475227356},{"word":"especially","start":1141.365,"end":1141.765,"confidence":0.96875,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.08095134794712067},{"word":"when","start":1141.765,"end":1141.925,"confidence":0.9536133,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12256799638271332},{"word":"you're","start":1141.925,"end":1142.0851,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04074898362159729},{"word":"not","start":1142.0851,"end":1142.3251,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.00393851101398468},{"word":"at","start":1142.3251,"end":1142.4851,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13160723447799683},{"word":"work","start":1142.4851,"end":1142.9851,"confidence":0.9291992,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.0691065713763237},{"word":"to","start":1143.4451,"end":1143.9451,"confidence":0.5205078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09938809275627136},{"word":"take","start":1144.3251,"end":1144.645,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.08003123104572296},{"word":"some","start":1144.645,"end":1144.9651,"confidence":0.7441406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1370464563369751},{"word":"time","start":1144.9651,"end":1145.4651,"confidence":0.9707031,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.019323505461215973},{"word":"the","start":1145.8451,"end":1146.005,"confidence":0.9301758,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15342213213443756},{"word":"document","start":1146.005,"end":1146.505,"confidence":0.8173828,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.26740536093711853},{"word":"is","start":1147.29,"end":1147.6101,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3227967619895935},{"word":"valid","start":1147.6101,"end":1148.1101,"confidence":0.99902344,"punctuated_word":"valid","sentiment":"positive","sentiment_score":0.33602285385131836},{"word":"for","start":1148.41,"end":1148.7301,"confidence":0.97509766,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3153068423271179},{"word":"a","start":1148.7301,"end":1148.81,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4381718039512634},{"word":"little","start":1148.81,"end":1149.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29694539308547974},{"word":"while","start":1149.13,"end":1149.4501,"confidence":0.8273926,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":0.31888139247894287},{"word":"so","start":1149.4501,"end":1149.6901,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27420786023139954},{"word":"you","start":1149.6901,"end":1149.8501,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3971499502658844},{"word":"can","start":1149.8501,"end":1150.0901,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4153267741203308},{"word":"take","start":1150.0901,"end":1150.3301,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.41695478558540344},{"word":"your","start":1150.3301,"end":1150.5701,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41214674711227417},{"word":"time","start":1150.5701,"end":1151.05,"confidence":0.9189453,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.38614463806152344},{"word":"obviously","start":1151.05,"end":1151.29,"confidence":0.9941406,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.3848981559276581},{"word":"when","start":1151.29,"end":1151.53,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.33829784393310547},{"word":"you're","start":1151.53,"end":1151.6101,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2708985209465027},{"word":"not","start":1151.6101,"end":1151.8501,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2010778784751892},{"word":"at","start":1151.8501,"end":1151.93,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10740263760089874},{"word":"work","start":1151.93,"end":1152.43,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.29540640115737915},{"word":"and","start":1152.7301,"end":1152.9701,"confidence":0.69189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3292573392391205},{"word":"have","start":1152.9701,"end":1153.13,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42943641543388367},{"word":"a","start":1153.13,"end":1153.29,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4155551195144654},{"word":"read","start":1153.29,"end":1153.53,"confidence":0.99609375,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.26776617765426636},{"word":"over","start":1153.53,"end":1153.77,"confidence":0.99609375,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4401859939098358},{"word":"it","start":1153.77,"end":1154.0901,"confidence":0.9926758,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.34596937894821167},{"word":"and","start":1154.0901,"end":1154.25,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2772696912288666},{"word":"if","start":1154.25,"end":1154.41,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2773530185222626},{"word":"you","start":1154.41,"end":1154.5701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27557605504989624},{"word":"have","start":1154.5701,"end":1154.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2573893070220947},{"word":"any","start":1154.81,"end":1154.9701,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.288282573223114},{"word":"other","start":1154.9701,"end":1155.29,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2601962685585022},{"word":"questions","start":1155.29,"end":1155.77,"confidence":0.9980469,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.21037539839744568},{"word":"you","start":1155.77,"end":1155.93,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19358403980731964},{"word":"can","start":1155.93,"end":1156.0901,"confidence":0.984375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16780292987823486},{"word":"just","start":1156.0901,"end":1156.3301,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15613296627998352},{"word":"send","start":1156.3301,"end":1156.49,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12931326031684875},{"word":"me","start":1156.49,"end":1156.65,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15544678270816803},{"word":"an","start":1156.65,"end":1156.81,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13844333589076996},{"word":"email","start":1156.81,"end":1157.2101,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.15944214165210724},{"word":"or","start":1157.2101,"end":1157.4501,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1408742368221283},{"word":"or","start":1157.4501,"end":1157.6101,"confidence":0.95410156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12657055258750916},{"word":"give","start":1157.6101,"end":1157.77,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1535208374261856},{"word":"me","start":1157.77,"end":1157.93,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19322213530540464},{"word":"a","start":1157.93,"end":1158.0901,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24489521980285645},{"word":"call","start":1158.0901,"end":1158.5901,"confidence":0.9367676,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.21967634558677673},{"word":"and","start":1158.7301,"end":1158.89,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22574198246002197},{"word":"we","start":1158.89,"end":1159.05,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2709091305732727},{"word":"can","start":1159.05,"end":1159.2101,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3111921548843384},{"word":"always","start":1159.2101,"end":1159.6101,"confidence":1.0,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.3879009485244751},{"word":"book","start":1159.6101,"end":1159.77,"confidence":0.98535156,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2830110788345337},{"word":"in","start":1159.77,"end":1160.01,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26490020751953125},{"word":"another","start":1160.01,"end":1160.3301,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.30618733167648315},{"word":"catch","start":1160.3301,"end":1160.5701,"confidence":0.9863281,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.28441303968429565},{"word":"up","start":1160.5701,"end":1160.89,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22851482033729553},{"word":"to","start":1160.89,"end":1161.05,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0909467339515686},{"word":"go","start":1161.05,"end":1161.37,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17477373778820038},{"word":"through","start":1161.37,"end":1161.53,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.22924040257930756},{"word":"it","start":1161.53,"end":1162.03,"confidence":0.8137207,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.17002862691879272},{"word":"and","start":1162.5851,"end":1162.7451,"confidence":0.9760742,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12457946687936784},{"word":"that's","start":1162.7451,"end":1162.905,"confidence":0.87109375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1261425018310547},{"word":"why","start":1162.905,"end":1163.145,"confidence":0.6220703,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.0880427211523056},{"word":"there","start":1163.145,"end":1163.385,"confidence":0.9370117,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1379571408033371},{"word":"is","start":1163.385,"end":1163.4651,"confidence":0.9482422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1433599442243576},{"word":"so","start":1163.4651,"end":1163.7051,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.120039165019989},{"word":"much","start":1163.7051,"end":1163.9451,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.16072559356689453},{"word":"it's","start":1164.025,"end":1164.265,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07738078385591507},{"word":"quite","start":1164.265,"end":1164.5851,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.02149774134159088},{"word":"wordy","start":1164.5851,"end":1164.9851,"confidence":0.8914388,"punctuated_word":"wordy,","sentiment":"neutral","sentiment_score":0.08779478073120117},{"word":"this","start":1164.9851,"end":1165.305,"confidence":0.94189453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1769775003194809},{"word":"document","start":1165.305,"end":1165.805,"confidence":0.9123535,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.13026514649391174},{"word":"and","start":1166.1051,"end":1166.3451,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1202300786972046},{"word":"it","start":1166.3451,"end":1166.5851,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2590593695640564},{"word":"is","start":1166.5851,"end":1166.8251,"confidence":0.5576172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2969687581062317},{"word":"to","start":1166.8251,"end":1166.9851,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2513096332550049},{"word":"allow","start":1166.9851,"end":1167.385,"confidence":1.0,"punctuated_word":"allow","sentiment":"positive","sentiment_score":0.3671410381793976},{"word":"you","start":1167.385,"end":1167.625,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.49177616834640503},{"word":"the","start":1167.625,"end":1167.8651,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.397505521774292},{"word":"opportunity","start":1167.8651,"end":1168.3651,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"positive","sentiment_score":0.3643436133861542},{"word":"as","start":1168.665,"end":1168.8251,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5427076816558838},{"word":"well","start":1168.8251,"end":1169.3251,"confidence":0.93237305,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.014842309057712557},{"word":"so","start":1169.4651,"end":1169.7051,"confidence":0.8342285,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10170367360115053},{"word":"basically","start":1169.7051,"end":1170.185,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.11643190681934357},{"word":"everything","start":1170.185,"end":1170.5851,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1373601108789444},{"word":"i'm","start":1170.5851,"end":1170.9851,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10365597903728484},{"word":"kind","start":1170.9851,"end":1171.145,"confidence":0.4794922,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08957163989543915},{"word":"of","start":1171.145,"end":1171.385,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09433212876319884},{"word":"explaining","start":1171.385,"end":1171.885,"confidence":0.94433594,"punctuated_word":"explaining,","sentiment":"neutral","sentiment_score":0.09493468701839448},{"word":"it","start":1172.025,"end":1172.1051,"confidence":0.86279297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13793309032917023},{"word":"puts","start":1172.1051,"end":1172.3451,"confidence":0.94921875,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.11478324234485626},{"word":"that","start":1172.3451,"end":1172.5851,"confidence":0.94189453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13880307972431183},{"word":"into","start":1172.5851,"end":1172.8251,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09494982659816742},{"word":"words","start":1172.8251,"end":1173.0651,"confidence":0.9550781,"punctuated_word":"words","sentiment":"neutral","sentiment_score":0.1155780479311943},{"word":"so","start":1173.0651,"end":1173.305,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13770167529582977},{"word":"that","start":1173.305,"end":1173.4651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16393744945526123},{"word":"you","start":1173.4651,"end":1173.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14688919484615326},{"word":"can","start":1173.625,"end":1173.8651,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1360112577676773},{"word":"go","start":1173.8651,"end":1174.025,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19578903913497925},{"word":"and","start":1174.025,"end":1174.1051,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14819557964801788},{"word":"have","start":1174.1051,"end":1174.3451,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15763022005558014},{"word":"a","start":1174.3451,"end":1174.505,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15181536972522736},{"word":"read","start":1174.505,"end":1174.7451,"confidence":0.99316406,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.14350490272045135},{"word":"over","start":1174.7451,"end":1175.0651,"confidence":0.97998047,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20203064382076263},{"word":"it","start":1175.0651,"end":1175.2251,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1356116384267807},{"word":"as","start":1175.2251,"end":1175.4651,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13402226567268372},{"word":"well","start":1175.4651,"end":1175.82,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11252537369728088},{"word":"now","start":1177.74,"end":1178.24,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06906004995107651},{"word":"almost","start":1178.7,"end":1179.1799,"confidence":0.9873047,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.059458859264850616},{"word":"at","start":1179.1799,"end":1179.34,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04969558119773865},{"word":"the","start":1179.34,"end":1179.4199,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06568152457475662},{"word":"end","start":1179.4199,"end":1179.8999,"confidence":0.8623047,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.05913796275854111},{"word":"but","start":1179.8999,"end":1180.1399,"confidence":0.8366699,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.04321887716650963},{"word":"basically","start":1180.1399,"end":1180.62,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.051589664071798325},{"word":"what","start":1180.62,"end":1180.7,"confidence":0.9472656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.057914480566978455},{"word":"that","start":1180.7,"end":1180.94,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05695954710245133},{"word":"looks","start":1180.94,"end":1181.1799,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.04793185740709305},{"word":"like","start":1181.1799,"end":1181.34,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05193685740232468},{"word":"in","start":1181.34,"end":1181.5,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05609595775604248},{"word":"terms","start":1181.5,"end":1181.82,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.0521695613861084},{"word":"of","start":1181.82,"end":1181.8999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07634437829256058},{"word":"the","start":1181.8999,"end":1182.0599,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08929740637540817},{"word":"asset","start":1182.0599,"end":1182.38,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05152787268161774},{"word":"allocation","start":1182.38,"end":1182.88,"confidence":0.9875488,"punctuated_word":"allocation,","sentiment":"neutral","sentiment_score":0.058902349323034286},{"word":"which","start":1183.1,"end":1183.34,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07634089142084122},{"word":"is","start":1183.34,"end":1183.6599,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05792146921157837},{"word":"page","start":1183.6599,"end":1184.1599,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0503711998462677},{"word":"19","start":1184.5399,"end":1185.0399,"confidence":0.9875488,"punctuated_word":"19,","sentiment":"neutral","sentiment_score":0.07878674566745758},{"word":"you","start":1185.74,"end":1185.98,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06097663938999176},{"word":"should","start":1185.98,"end":1186.22,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1081930622458458},{"word":"have","start":1186.22,"end":1186.38,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08983181416988373},{"word":"an","start":1186.38,"end":1186.62,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07625351846218109},{"word":"asset","start":1186.62,"end":1187.0199,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.03761995583772659},{"word":"allocation","start":1187.0199,"end":1187.5199,"confidence":0.99902344,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.04410068690776825},{"word":"table","start":1188.38,"end":1188.86,"confidence":0.9951172,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.05015113949775696},{"word":"can","start":1188.86,"end":1189.1,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.060292456299066544},{"word":"you","start":1189.1,"end":1189.2599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05857717245817184},{"word":"see","start":1189.2599,"end":1189.5,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0639980211853981},{"word":"that","start":1189.5,"end":1190.0,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.05619767680764198},{"word":"yep","start":1192.155,"end":1192.655,"confidence":0.8005371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11463026702404022},{"word":"so","start":1192.715,"end":1193.035,"confidence":0.8833008,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1341991126537323},{"word":"you","start":1193.035,"end":1193.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16350321471691132},{"word":"can","start":1193.115,"end":1193.355,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17162558436393738},{"word":"see","start":1193.355,"end":1193.515,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16048619151115415},{"word":"here","start":1193.515,"end":1193.835,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.15740886330604553},{"word":"the","start":1193.835,"end":1194.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11636264622211456},{"word":"risk","start":1194.075,"end":1194.5549,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.06764186918735504},{"word":"profile","start":1194.5549,"end":1195.0549,"confidence":0.99609375,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.012264803051948547},{"word":"first","start":1195.195,"end":1195.515,"confidence":0.9550781,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.048034049570560455},{"word":"for","start":1195.515,"end":1195.6749,"confidence":0.29345703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04187905043363571},{"word":"that","start":1195.6749,"end":1195.915,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06783939898014069},{"word":"high","start":1195.915,"end":1196.155,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.01089225336909294},{"word":"growth","start":1196.155,"end":1196.5549,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04473574459552765},{"word":"aiming","start":1196.5549,"end":1196.955,"confidence":0.97314453,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.0635773092508316},{"word":"for","start":1196.955,"end":1197.355,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.032309796661138535},{"word":"around","start":1197.355,"end":1197.835,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0719432681798935},{"word":"that","start":1197.835,"end":1198.155,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11924326419830322},{"word":"9010","start":1198.155,"end":1199.195,"confidence":0.98413086,"punctuated_word":"9010","sentiment":"neutral","sentiment_score":0.04394908994436264},{"word":"split","start":1199.195,"end":1199.695,"confidence":0.9729004,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.03509216383099556},{"word":"but","start":1199.835,"end":1199.995,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03306498005986214},{"word":"it","start":1199.995,"end":1200.155,"confidence":0.78808594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05747383460402489},{"word":"can","start":1200.155,"end":1200.395,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0015548020601272583},{"word":"obviously","start":1200.395,"end":1200.875,"confidence":0.9526367,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.028006955981254578},{"word":"change","start":1200.875,"end":1201.195,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.0054430365562438965},{"word":"with","start":1201.195,"end":1201.4349,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.020847290754318237},{"word":"market","start":1201.4349,"end":1201.915,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.07105126976966858},{"word":"fluctuations","start":1201.915,"end":1202.415,"confidence":0.92700195,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.01072760671377182},{"word":"you","start":1203.76,"end":1203.9199,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12963658571243286},{"word":"can","start":1203.9199,"end":1204.08,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1556093841791153},{"word":"see","start":1204.08,"end":1204.4,"confidence":0.9667969,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13097280263900757},{"word":"your","start":1204.4,"end":1204.7999,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1462976336479187},{"word":"existing","start":1204.7999,"end":1205.2999,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.08927080035209656},{"word":"portfolio","start":1205.76,"end":1206.26,"confidence":0.9970703,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05775980278849602},{"word":"and","start":1206.72,"end":1206.88,"confidence":0.9472656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12283433228731155},{"word":"then","start":1206.88,"end":1207.0399,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1693982481956482},{"word":"the","start":1207.0399,"end":1207.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12612491846084595},{"word":"proposed","start":1207.36,"end":1207.86,"confidence":0.9238281,"punctuated_word":"proposed.","sentiment":"neutral","sentiment_score":0.07490848749876022},{"word":"but","start":1208.5599,"end":1208.7999,"confidence":0.9326172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.11160379648208618},{"word":"you","start":1208.7999,"end":1208.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17178824543952942},{"word":"can","start":1208.88,"end":1209.12,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18771439790725708},{"word":"see","start":1209.12,"end":1209.28,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17046870291233063},{"word":"that","start":1209.28,"end":1209.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13876068592071533},{"word":"the","start":1209.52,"end":1209.6799,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1757153868675232},{"word":"proposed","start":1209.6799,"end":1210.1799,"confidence":0.9980469,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.16601696610450745},{"word":"have","start":1210.32,"end":1210.64,"confidence":0.7109375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1890988051891327},{"word":"a","start":1210.64,"end":1210.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14254039525985718},{"word":"little","start":1210.72,"end":1211.0399,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06576573103666306},{"word":"bit","start":1211.0399,"end":1211.28,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06887639313936234},{"word":"higher","start":1211.28,"end":1211.6799,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.09527222812175752},{"word":"allocation","start":1211.6799,"end":1212.1799,"confidence":0.99316406,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.12607848644256592},{"word":"through","start":1212.48,"end":1212.72,"confidence":0.8027344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11289724707603456},{"word":"those","start":1212.72,"end":1213.12,"confidence":0.9921875,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1345112919807434},{"word":"for","start":1213.12,"end":1213.28,"confidence":0.46972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1451142132282257},{"word":"growth","start":1213.28,"end":1213.6799,"confidence":0.5620117,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.11865696310997008},{"word":"investments","start":1213.6799,"end":1214.1799,"confidence":0.8334961,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.11110376566648485},{"word":"but","start":1215.12,"end":1215.36,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10980091989040376},{"word":"both","start":1215.36,"end":1215.76,"confidence":0.9790039,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1855241358280182},{"word":"still","start":1215.76,"end":1216.16,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16117209196090698},{"word":"align","start":1216.16,"end":1216.66,"confidence":0.9550781,"punctuated_word":"align","sentiment":"neutral","sentiment_score":0.18010422587394714},{"word":"with","start":1216.7999,"end":1217.12,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2263093739748001},{"word":"your","start":1217.12,"end":1217.44,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22263577580451965},{"word":"high","start":1217.44,"end":1217.6,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.14191700518131256},{"word":"growth","start":1217.6,"end":1217.9199,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20395365357398987},{"word":"portfolio","start":1217.9199,"end":1218.4199,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.13879823684692383},{"word":"does","start":1220.255,"end":1220.495,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.17106276750564575},{"word":"that","start":1220.495,"end":1220.655,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20366469025611875},{"word":"make","start":1220.655,"end":1220.815,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1457940936088562},{"word":"sense","start":1220.815,"end":1221.315,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.08812228590250015},{"word":"yep","start":1222.655,"end":1223.155,"confidence":0.88500977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09112441539764404},{"word":"and","start":1223.775,"end":1224.015,"confidence":0.68359375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1594567596912384},{"word":"the","start":1224.015,"end":1224.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22542425990104675},{"word":"last","start":1224.255,"end":1224.655,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11590546369552612},{"word":"thing","start":1224.655,"end":1225.0549,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1787758469581604},{"word":"is","start":1225.0549,"end":1225.2949,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11440148204565048},{"word":"just","start":1225.2949,"end":1225.695,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1408633440732956},{"word":"in","start":1225.695,"end":1225.9349,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12411767244338988},{"word":"regards","start":1225.9349,"end":1226.4349,"confidence":0.99609375,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.09068681299686432},{"word":"to","start":1226.495,"end":1226.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16569921374320984},{"word":"your","start":1226.655,"end":1227.155,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18232381343841553},{"word":"beneficiary","start":1227.615,"end":1228.115,"confidence":0.6982422,"punctuated_word":"beneficiary.","sentiment":"neutral","sentiment_score":0.15736600756645203},{"word":"so","start":1228.575,"end":1228.815,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31946587562561035},{"word":"like","start":1228.815,"end":1228.975,"confidence":0.82177734,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4295312166213989},{"word":"i","start":1228.975,"end":1229.0549,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35828697681427},{"word":"said","start":1229.0549,"end":1229.2949,"confidence":0.99902344,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.29667213559150696},{"word":"we","start":1229.2949,"end":1229.455,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6702681183815002},{"word":"have","start":1229.455,"end":1229.615,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6904760599136353},{"word":"everything","start":1229.615,"end":1230.095,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.6775729656219482},{"word":"sorted","start":1230.095,"end":1230.4149,"confidence":0.99902344,"punctuated_word":"sorted","sentiment":"positive","sentiment_score":0.6718975305557251},{"word":"for","start":1230.4149,"end":1230.575,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6533014178276062},{"word":"your","start":1230.575,"end":1230.815,"confidence":0.9428711,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.562215268611908},{"word":"superannuation","start":1230.815,"end":1231.315,"confidence":0.9696045,"punctuated_word":"superannuation,","sentiment":"positive","sentiment_score":0.46901601552963257},{"word":"which","start":1231.615,"end":1231.855,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6860686540603638},{"word":"is","start":1231.855,"end":1232.015,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7723838686943054},{"word":"fantastic","start":1232.015,"end":1232.515,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7708699703216553},{"word":"i","start":1233.53,"end":1233.77,"confidence":0.9941406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6257907152175903},{"word":"i","start":1233.77,"end":1233.85,"confidence":0.90625,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6099425554275513},{"word":"have","start":1233.85,"end":1234.09,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.588435173034668},{"word":"just","start":1234.09,"end":1234.33,"confidence":0.99609375,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6177170276641846},{"word":"included","start":1234.33,"end":1234.83,"confidence":1.0,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.6497587561607361},{"word":"the","start":1235.53,"end":1235.77,"confidence":0.7138672,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6009909510612488},{"word":"same","start":1235.77,"end":1236.09,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.5785597562789917},{"word":"recommendation","start":1236.09,"end":1236.59,"confidence":0.9902344,"punctuated_word":"recommendation","sentiment":"positive","sentiment_score":0.5039978623390198},{"word":"for","start":1236.89,"end":1237.13,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4992965459823608},{"word":"just","start":1237.13,"end":1237.2899,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4800229966640472},{"word":"your","start":1237.2899,"end":1237.45,"confidence":0.98828125,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4971962571144104},{"word":"clearview","start":1237.45,"end":1237.95,"confidence":0.75268555,"punctuated_word":"Clearview","sentiment":"positive","sentiment_score":0.4816535115242005},{"word":"insurances","start":1238.01,"end":1238.51,"confidence":0.9941406,"punctuated_word":"insurances","sentiment":"positive","sentiment_score":0.3710411787033081},{"word":"just","start":1239.0499,"end":1239.2899,"confidence":0.9199219,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4279389977455139},{"word":"to","start":1239.2899,"end":1239.45,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.44485053420066833},{"word":"make","start":1239.45,"end":1239.61,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.466722697019577},{"word":"sure","start":1239.61,"end":1239.77,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.48428666591644287},{"word":"that's","start":1239.77,"end":1240.1699,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.46716147661209106},{"word":"also","start":1240.1699,"end":1240.49,"confidence":0.9970703,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4324001669883728},{"word":"set","start":1240.49,"end":1240.73,"confidence":0.9970703,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.416635662317276},{"word":"up","start":1240.73,"end":1240.97,"confidence":0.9433594,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.36480575799942017},{"word":"so","start":1240.97,"end":1241.13,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3061249852180481},{"word":"if","start":1241.13,"end":1241.37,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.252996027469635},{"word":"something","start":1241.37,"end":1241.69,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.19309808313846588},{"word":"were","start":1241.69,"end":1242.01,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.16957256197929382},{"word":"to","start":1242.01,"end":1242.51,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24193456768989563},{"word":"happen","start":1242.89,"end":1243.37,"confidence":0.9892578,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.21748465299606323},{"word":"to","start":1243.37,"end":1243.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2292579561471939},{"word":"you","start":1243.53,"end":1243.77,"confidence":0.96972656,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2344277948141098},{"word":"that","start":1243.77,"end":1243.9299,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28193429112434387},{"word":"it","start":1243.9299,"end":1244.09,"confidence":0.94140625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1977224200963974},{"word":"would","start":1244.09,"end":1244.25,"confidence":0.9863281,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2563643157482147},{"word":"go","start":1244.25,"end":1244.4099,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2530137896537781},{"word":"to","start":1244.4099,"end":1244.57,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2655215561389923},{"word":"your","start":1244.57,"end":1244.8099,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19131596386432648},{"word":"partner","start":1244.8099,"end":1245.3099,"confidence":1.0,"punctuated_word":"partner.","sentiment":"neutral","sentiment_score":0.18231159448623657},{"word":"yep","start":1247.0851,"end":1247.5851,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1945721805095673},{"word":"now","start":1247.885,"end":1248.2051,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1805945634841919},{"word":"i","start":1248.2051,"end":1248.285,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23092857003211975},{"word":"have","start":1248.285,"end":1248.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2938651740550995},{"word":"also","start":1248.605,"end":1249.005,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21936297416687012},{"word":"just","start":1249.005,"end":1249.3251,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27732735872268677},{"word":"included","start":1249.3251,"end":1249.8251,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.3183303475379944},{"word":"some","start":1250.045,"end":1250.285,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.20121464133262632},{"word":"information","start":1250.285,"end":1250.785,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1786198765039444},{"word":"in","start":1251.005,"end":1251.245,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20250552892684937},{"word":"regards","start":1251.245,"end":1251.645,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1560702621936798},{"word":"to","start":1251.645,"end":1251.885,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23786544799804688},{"word":"setting","start":1251.885,"end":1252.2051,"confidence":1.0,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.22826094925403595},{"word":"up","start":1252.2051,"end":1252.4451,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22911851108074188},{"word":"a","start":1252.4451,"end":1252.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25937777757644653},{"word":"will","start":1252.845,"end":1253.245,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21394342184066772},{"word":"and","start":1253.245,"end":1253.645,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21234488487243652},{"word":"power","start":1253.645,"end":1254.045,"confidence":0.52441406,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.21856236457824707},{"word":"of","start":1254.045,"end":1254.365,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20211385190486908},{"word":"attorney","start":1254.365,"end":1254.865,"confidence":0.9995117,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.22098034620285031},{"word":"it","start":1255.3251,"end":1255.5651,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4606630802154541},{"word":"is","start":1255.5651,"end":1255.725,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37903764843940735},{"word":"something","start":1255.725,"end":1256.045,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.47808611392974854},{"word":"i","start":1256.045,"end":1256.2051,"confidence":0.9941406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5214593410491943},{"word":"always","start":1256.2051,"end":1256.525,"confidence":0.99902344,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.5074791312217712},{"word":"recommend","start":1256.525,"end":1257.025,"confidence":1.0,"punctuated_word":"recommend","sentiment":"positive","sentiment_score":0.5348862409591675},{"word":"everyone","start":1257.0851,"end":1257.5851,"confidence":0.9941406,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.5431757569313049},{"word":"to","start":1258.35,"end":1258.67,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4375438988208771},{"word":"consider","start":1258.67,"end":1259.17,"confidence":0.93725586,"punctuated_word":"consider.","sentiment":"positive","sentiment_score":0.3973571658134461},{"word":"so","start":1259.3099,"end":1259.47,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3623018860816955},{"word":"i","start":1259.47,"end":1259.71,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4164748191833496},{"word":"have","start":1259.71,"end":1259.95,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.37025222182273865},{"word":"included","start":1259.95,"end":1260.45,"confidence":1.0,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.4110241830348969},{"word":"a","start":1260.91,"end":1260.99,"confidence":0.53808594,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3638541102409363},{"word":"couple","start":1260.99,"end":1261.23,"confidence":0.9970703,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.28265097737312317},{"word":"of","start":1261.23,"end":1261.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28425416350364685},{"word":"pages","start":1261.39,"end":1261.79,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.2554153501987457},{"word":"in","start":1261.79,"end":1262.03,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2383017390966415},{"word":"regards","start":1262.03,"end":1262.51,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1878809928894043},{"word":"to","start":1262.51,"end":1263.01,"confidence":0.8989258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22869394719600675},{"word":"the","start":1263.71,"end":1263.87,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21947672963142395},{"word":"importance","start":1263.87,"end":1264.37,"confidence":0.99609375,"punctuated_word":"importance","sentiment":"neutral","sentiment_score":0.19034352898597717},{"word":"of","start":1264.43,"end":1264.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2489781379699707},{"word":"setting","start":1264.59,"end":1264.91,"confidence":1.0,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.2717450261116028},{"word":"up","start":1264.91,"end":1265.07,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24223680794239044},{"word":"a","start":1265.07,"end":1265.23,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29148250818252563},{"word":"will","start":1265.23,"end":1265.47,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.278841108083725},{"word":"and","start":1265.47,"end":1265.87,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2779308259487152},{"word":"power","start":1265.87,"end":1266.19,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.2699841260910034},{"word":"of","start":1266.19,"end":1266.43,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23259148001670835},{"word":"attorney","start":1266.43,"end":1266.91,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.1835403144359589},{"word":"if","start":1266.91,"end":1267.07,"confidence":0.7373047,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3474278450012207},{"word":"that","start":1267.07,"end":1267.23,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31329765915870667},{"word":"is","start":1267.23,"end":1267.39,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29063743352890015},{"word":"something","start":1267.39,"end":1267.87,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.3065580725669861},{"word":"you","start":1267.87,"end":1268.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29574552178382874},{"word":"would","start":1268.03,"end":1268.27,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.23008976876735687},{"word":"like","start":1268.27,"end":1268.51,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2559617757797241},{"word":"to","start":1268.51,"end":1268.67,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27268072962760925},{"word":"do","start":1268.67,"end":1268.91,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24310019612312317},{"word":"down","start":1268.91,"end":1269.15,"confidence":0.6801758,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2448325753211975},{"word":"the","start":1269.15,"end":1269.23,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23376743495464325},{"word":"track","start":1269.23,"end":1269.73,"confidence":0.95654297,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.15058952569961548},{"word":"now","start":1272.4451,"end":1272.845,"confidence":0.97265625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0876392051577568},{"word":"the","start":1272.845,"end":1273.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07953792065382004},{"word":"last","start":1273.085,"end":1273.405,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.041026461869478226},{"word":"thing","start":1273.405,"end":1273.885,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07943317294120789},{"word":"is","start":1273.885,"end":1274.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06166169419884682},{"word":"just","start":1274.205,"end":1274.525,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04842331260442734},{"word":"in","start":1274.525,"end":1274.845,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0416414812207222},{"word":"regards","start":1274.845,"end":1275.345,"confidence":0.9892578,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.030255135148763657},{"word":"to","start":1275.5651,"end":1276.0651,"confidence":0.8569336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07662031054496765},{"word":"the","start":1276.125,"end":1276.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09496493637561798},{"word":"ongoing","start":1276.925,"end":1277.425,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.12235702574253082},{"word":"advice","start":1277.805,"end":1278.305,"confidence":0.9086914,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06692278385162354},{"word":"fee","start":1278.365,"end":1278.765,"confidence":0.97924805,"punctuated_word":"fee.","sentiment":"neutral","sentiment_score":0.05692671984434128},{"word":"so","start":1278.765,"end":1279.005,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08637240529060364},{"word":"if","start":1279.005,"end":1279.165,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09743434190750122},{"word":"you","start":1279.165,"end":1279.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09298910945653915},{"word":"wanna","start":1279.325,"end":1279.645,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08822137117385864},{"word":"scroll","start":1279.645,"end":1279.965,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.05288098752498627},{"word":"down","start":1279.965,"end":1280.365,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07037843763828278},{"word":"to","start":1280.365,"end":1280.605,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05736894533038139},{"word":"page","start":1280.605,"end":1281.105,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.05412415787577629},{"word":"29","start":1281.165,"end":1282.045,"confidence":1.0,"punctuated_word":"29","sentiment":"neutral","sentiment_score":0.0837637409567833},{"word":"for","start":1282.045,"end":1282.285,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05900783836841583},{"word":"me","start":1282.285,"end":1282.785,"confidence":0.7883301,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06076705455780029},{"word":"yep","start":1290.12,"end":1290.62,"confidence":0.93863934,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1357233226299286},{"word":"so","start":1290.76,"end":1291.0801,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15371087193489075},{"word":"like","start":1291.0801,"end":1291.3201,"confidence":0.9604492,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1917006224393845},{"word":"i","start":1291.3201,"end":1291.4801,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17786496877670288},{"word":"mentioned","start":1291.4801,"end":1291.88,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.17219826579093933},{"word":"during","start":1291.88,"end":1292.2001,"confidence":0.9941406,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.18822631239891052},{"word":"the","start":1292.2001,"end":1292.4401,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15593942999839783},{"word":"under","start":1292.4401,"end":1292.68,"confidence":0.94189453,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.14290033280849457},{"word":"review","start":1292.68,"end":1293.18,"confidence":0.9812012,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.1503984034061432},{"word":"there","start":1293.24,"end":1293.4801,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1852734386920929},{"word":"is","start":1293.4801,"end":1293.8,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1356741487979889},{"word":"no","start":1293.8,"end":1294.2001,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.07303056865930557},{"word":"changes","start":1294.2001,"end":1294.7001,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.032577015459537506},{"word":"in","start":1294.8401,"end":1295.0,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.034554749727249146},{"word":"regards","start":1295.0,"end":1295.4,"confidence":0.9472656,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.005771368741989136},{"word":"to","start":1295.4,"end":1295.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06215894967317581},{"word":"the","start":1295.56,"end":1295.8,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10972952097654344},{"word":"fee","start":1295.8,"end":1296.12,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.013428747653961182},{"word":"structure","start":1296.12,"end":1296.62,"confidence":0.9995117,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.14701727032661438},{"word":"it","start":1297.085,"end":1297.245,"confidence":0.99121094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.26527947187423706},{"word":"stays","start":1297.245,"end":1297.5651,"confidence":0.98828125,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.3124282956123352},{"word":"exactly","start":1297.5651,"end":1298.0651,"confidence":1.0,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.3788811862468719},{"word":"the","start":1298.205,"end":1298.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3254433572292328},{"word":"same","start":1298.365,"end":1298.845,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.3652680516242981},{"word":"at","start":1298.845,"end":1299.005,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3238479495048523},{"word":"1.65","start":1299.005,"end":1300.445,"confidence":0.99731445,"punctuated_word":"1.65","sentiment":"positive","sentiment_score":0.34818387031555176},{"word":"from","start":1300.445,"end":1300.845,"confidence":0.9970703,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.3465813994407654},{"word":"super","start":1300.845,"end":1301.345,"confidence":0.7236328,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.29994723200798035},{"word":"there","start":1301.725,"end":1301.885,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.26707446575164795},{"word":"is","start":1301.885,"end":1302.125,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20740309357643127},{"word":"no","start":1302.125,"end":1302.365,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.17457473278045654},{"word":"additional","start":1302.365,"end":1302.865,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.07040875405073166},{"word":"fees","start":1303.005,"end":1303.325,"confidence":0.99902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.13007047772407532},{"word":"and","start":1303.325,"end":1303.725,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1755814403295517},{"word":"charges","start":1303.725,"end":1304.225,"confidence":1.0,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.08206258714199066},{"word":"for","start":1304.365,"end":1304.685,"confidence":0.92529297,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.22549857199192047},{"word":"obviously","start":1304.685,"end":1305.185,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.3026615381240845},{"word":"this","start":1305.245,"end":1305.485,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.33003440499305725},{"word":"advice","start":1305.485,"end":1305.965,"confidence":0.9013672,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.2249482274055481},{"word":"and","start":1305.965,"end":1306.205,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2005141079425812},{"word":"if","start":1306.205,"end":1306.365,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19523002207279205},{"word":"you","start":1306.365,"end":1306.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24350562691688535},{"word":"do","start":1306.525,"end":1306.685,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19986671209335327},{"word":"wanna","start":1306.685,"end":1307.005,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2646922171115875},{"word":"go","start":1307.005,"end":1307.245,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.22045454382896423},{"word":"ahead","start":1307.245,"end":1307.5651,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.24713629484176636},{"word":"with","start":1307.5651,"end":1307.805,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21516317129135132},{"word":"the","start":1307.805,"end":1308.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27667543292045593},{"word":"the","start":1308.125,"end":1308.445,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28433918952941895},{"word":"recommendation","start":1308.445,"end":1308.945,"confidence":0.9916992,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.2706841230392456},{"word":"that","start":1309.7899,"end":1310.0299,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29867061972618103},{"word":"is","start":1310.0299,"end":1310.19,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2221217304468155},{"word":"all","start":1310.19,"end":1310.6699,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23996026813983917},{"word":"part","start":1310.6699,"end":1311.07,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.2194199115037918},{"word":"of","start":1311.07,"end":1311.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2559632956981659},{"word":"the","start":1311.47,"end":1311.87,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24254944920539856},{"word":"the","start":1311.87,"end":1312.0299,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2557445168495178},{"word":"ongoing","start":1312.0299,"end":1312.5299,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.32018786668777466},{"word":"advice","start":1312.59,"end":1312.9099,"confidence":0.9243164,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2760404050350189},{"word":"fees","start":1312.9099,"end":1313.23,"confidence":0.66748047,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.24298542737960815},{"word":"and","start":1313.23,"end":1313.47,"confidence":0.59277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1914924383163452},{"word":"no","start":1313.47,"end":1313.71,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.10483751446008682},{"word":"additional","start":1313.71,"end":1314.21,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.010806694626808168},{"word":"fees","start":1314.27,"end":1314.59,"confidence":1.0,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02837987244129181},{"word":"and","start":1314.59,"end":1314.75,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09605811536312105},{"word":"charges","start":1314.75,"end":1315.25,"confidence":1.0,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.030010871589183807},{"word":"in","start":1315.39,"end":1315.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.057984255254268646},{"word":"regards","start":1315.63,"end":1316.11,"confidence":0.99121094,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.048202820122241974},{"word":"to","start":1316.11,"end":1316.35,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09473563730716704},{"word":"that","start":1316.35,"end":1316.85,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09545240551233292},{"word":"it's","start":1317.71,"end":1318.0299,"confidence":0.80493164,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08425562083721161},{"word":"also","start":1318.0299,"end":1318.35,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.1281740367412567},{"word":"not","start":1318.35,"end":1318.59,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1726175844669342},{"word":"a","start":1318.59,"end":1318.75,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2284902036190033},{"word":"lock","start":1318.75,"end":1318.99,"confidence":0.5654297,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.2782132625579834},{"word":"in","start":1318.99,"end":1319.23,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.31962060928344727},{"word":"contract","start":1319.23,"end":1319.73,"confidence":0.91015625,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":-0.318857878446579},{"word":"so","start":1319.87,"end":1320.0299,"confidence":0.9453125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.23198378086090088},{"word":"if","start":1320.0299,"end":1320.11,"confidence":0.9453125,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.35941165685653687},{"word":"at","start":1320.11,"end":1320.27,"confidence":0.9921875,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.46091583371162415},{"word":"any","start":1320.27,"end":1320.59,"confidence":1.0,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.3470333516597748},{"word":"point","start":1320.59,"end":1320.83,"confidence":1.0,"punctuated_word":"point","sentiment":"negative","sentiment_score":-0.4148629903793335},{"word":"in","start":1320.83,"end":1321.07,"confidence":0.9980469,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4355098605155945},{"word":"time","start":1321.07,"end":1321.47,"confidence":0.8059082,"punctuated_word":"time,","sentiment":"negative","sentiment_score":-0.4147437512874603},{"word":"you","start":1321.47,"end":1321.63,"confidence":0.9790039,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4959203600883484},{"word":"are","start":1321.63,"end":1321.7899,"confidence":1.0,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.49478843808174133},{"word":"not","start":1321.7899,"end":1322.11,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6782073378562927},{"word":"happy","start":1322.11,"end":1322.51,"confidence":0.8005371,"punctuated_word":"happy.","sentiment":"negative","sentiment_score":-0.38590726256370544},{"word":"it","start":1322.51,"end":1322.6699,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.24599239230155945},{"word":"is","start":1322.6699,"end":1322.9099,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3314317464828491},{"word":"not","start":1322.9099,"end":1323.1499,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.32017776370048523},{"word":"a","start":1323.1499,"end":1323.39,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26412656903266907},{"word":"lock","start":1323.39,"end":1323.63,"confidence":0.9526367,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":-0.23619723320007324},{"word":"in","start":1323.63,"end":1323.95,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.27638188004493713},{"word":"contract","start":1323.95,"end":1324.45,"confidence":0.9970703,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":-0.10334759205579758},{"word":"we","start":1325.235,"end":1325.395,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19732174277305603},{"word":"also","start":1325.395,"end":1325.875,"confidence":0.9790039,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16751793026924133},{"word":"display","start":1325.875,"end":1326.375,"confidence":0.9819336,"punctuated_word":"display","sentiment":"neutral","sentiment_score":0.1832655668258667},{"word":"it","start":1326.595,"end":1326.995,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.217460036277771},{"word":"on","start":1326.995,"end":1327.235,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1876770257949829},{"word":"a","start":1327.235,"end":1327.475,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2104744613170624},{"word":"yearly","start":1327.475,"end":1327.975,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.15024402737617493},{"word":"amount","start":1328.115,"end":1328.595,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.17080964148044586},{"word":"for","start":1328.595,"end":1328.835,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16203612089157104},{"word":"you","start":1328.835,"end":1329.235,"confidence":0.98217773,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.15561321377754211},{"word":"but","start":1329.235,"end":1329.475,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11611280590295792},{"word":"it","start":1329.475,"end":1329.555,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14843328297138214},{"word":"is","start":1329.555,"end":1329.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11752191185951232},{"word":"deducted","start":1329.955,"end":1330.455,"confidence":0.99609375,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.14230012893676758},{"word":"monthly","start":1330.835,"end":1331.335,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.1928638219833374},{"word":"to","start":1331.715,"end":1331.955,"confidence":0.80810547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16202247142791748},{"word":"make","start":1331.955,"end":1332.115,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23744288086891177},{"word":"it","start":1332.115,"end":1332.275,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28995591402053833},{"word":"a","start":1332.275,"end":1332.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31101715564727783},{"word":"little","start":1332.435,"end":1332.675,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2204132080078125},{"word":"bit","start":1332.675,"end":1332.915,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28510183095932007},{"word":"fair","start":1332.915,"end":1333.235,"confidence":0.9770508,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.29542243480682373},{"word":"for","start":1333.235,"end":1333.475,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37407127022743225},{"word":"you","start":1333.475,"end":1333.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28523847460746765},{"word":"with","start":1333.875,"end":1334.115,"confidence":0.81396484,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.20298248529434204},{"word":"obviously","start":1334.115,"end":1334.615,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.172901451587677},{"word":"market","start":1334.755,"end":1335.255,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.15551801025867462},{"word":"fluctuations","start":1335.3151,"end":1335.8151,"confidence":0.80371094,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.11571724712848663},{"word":"but","start":1336.915,"end":1337.075,"confidence":0.6899414,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12805555760860443},{"word":"then","start":1337.075,"end":1337.235,"confidence":0.7685547,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.10510333627462388},{"word":"also","start":1337.235,"end":1337.635,"confidence":0.9904785,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.11893442273139954},{"word":"if","start":1337.635,"end":1337.795,"confidence":0.5058594,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1485973596572876},{"word":"you're","start":1337.795,"end":1337.875,"confidence":0.8737793,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11012761294841766},{"word":"not","start":1337.875,"end":1338.035,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.09015601873397829},{"word":"it's","start":1338.115,"end":1338.275,"confidence":0.97021484,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1115238517522812},{"word":"like","start":1338.275,"end":1338.515,"confidence":0.8144531,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12241844087839128},{"word":"a","start":1338.515,"end":1338.93,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1526619791984558},{"word":"a","start":1339.01,"end":1339.17,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1365588903427124},{"word":"full","start":1339.17,"end":1339.41,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1500079780817032},{"word":"commitment","start":1339.41,"end":1339.89,"confidence":1.0,"punctuated_word":"commitment","sentiment":"neutral","sentiment_score":0.08508185297250748},{"word":"for","start":1339.89,"end":1340.13,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11603152751922607},{"word":"a","start":1340.13,"end":1340.2101,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1667197197675705},{"word":"full","start":1340.2101,"end":1340.53,"confidence":0.9970703,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.19124683737754825},{"word":"year","start":1340.53,"end":1340.77,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.23602887988090515},{"word":"as","start":1340.77,"end":1340.93,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21755899488925937},{"word":"well","start":1340.93,"end":1341.43,"confidence":0.9707031,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16307158768177032},{"word":"it","start":1341.65,"end":1341.81,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1213560700416565},{"word":"is","start":1341.81,"end":1341.9701,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10366113483905792},{"word":"just","start":1341.9701,"end":1342.29,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11620402336120604},{"word":"deducted","start":1342.29,"end":1342.77,"confidence":0.9951172,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.12313003838062286},{"word":"monthly","start":1342.77,"end":1343.25,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.19550609588623047},{"word":"for","start":1343.25,"end":1343.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1605406403541565},{"word":"you","start":1343.41,"end":1343.91,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13850238919258118},{"word":"makes","start":1346.13,"end":1346.37,"confidence":0.68408203,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.13491547107696533},{"word":"sense","start":1346.37,"end":1346.87,"confidence":0.99853516,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1504393219947815},{"word":"yep","start":1348.4501,"end":1348.9501,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2000209391117096},{"word":"now","start":1349.01,"end":1349.25,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2223089635372162},{"word":"i","start":1349.25,"end":1349.3301,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2751355767250061},{"word":"have","start":1349.3301,"end":1349.5701,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30436715483665466},{"word":"also","start":1349.5701,"end":1349.89,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.23181405663490295},{"word":"just","start":1349.89,"end":1350.13,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2868465781211853},{"word":"shown","start":1350.13,"end":1350.37,"confidence":0.9951172,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.3108254671096802},{"word":"you","start":1350.37,"end":1350.6101,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3114207983016968},{"word":"the","start":1350.6101,"end":1350.8501,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27925196290016174},{"word":"clearview","start":1350.8501,"end":1351.3501,"confidence":0.84033203,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.2682110071182251},{"word":"insurances","start":1351.4901,"end":1351.9901,"confidence":0.9786784,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.2341127246618271},{"word":"so","start":1352.835,"end":1353.335,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21178463101387024},{"word":"with","start":1353.475,"end":1353.715,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2888432741165161},{"word":"insurances","start":1353.715,"end":1354.215,"confidence":0.9970703,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.24194705486297607},{"word":"we","start":1354.355,"end":1354.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23759230971336365},{"word":"do","start":1354.515,"end":1354.755,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20352376997470856},{"word":"get","start":1354.755,"end":1355.235,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23786115646362305},{"word":"commission","start":1355.235,"end":1355.735,"confidence":0.9296875,"punctuated_word":"commission,","sentiment":"neutral","sentiment_score":0.20428785681724548},{"word":"which","start":1356.275,"end":1356.4349,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21538813412189484},{"word":"is","start":1356.4349,"end":1356.755,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1889414340257645},{"word":"22%","start":1356.755,"end":1357.975,"confidence":0.98746747,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.22265169024467468},{"word":"of","start":1358.0349,"end":1358.275,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2055686116218567},{"word":"the","start":1358.275,"end":1358.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20190346240997312},{"word":"premium","start":1358.515,"end":1359.015,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.20975594222545624},{"word":"ongoing","start":1359.235,"end":1359.735,"confidence":0.99853516,"punctuated_word":"ongoing.","sentiment":"neutral","sentiment_score":0.22140151262283325},{"word":"now","start":1360.355,"end":1360.595,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15085160732269287},{"word":"that","start":1360.595,"end":1360.755,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19375522434711456},{"word":"is","start":1360.755,"end":1361.235,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1640969216823578},{"word":"clearview","start":1361.235,"end":1361.735,"confidence":0.99902344,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.2221277356147766},{"word":"paying","start":1361.955,"end":1362.455,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.19136878848075867},{"word":"us","start":1362.595,"end":1362.835,"confidence":0.8598633,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.1845255345106125},{"word":"though","start":1362.835,"end":1363.075,"confidence":0.8532715,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":0.14294075965881348},{"word":"it","start":1363.075,"end":1363.235,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08331012725830078},{"word":"is","start":1363.235,"end":1363.475,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.028090402483940125},{"word":"not","start":1363.475,"end":1363.7949,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.029766306281089783},{"word":"you","start":1363.7949,"end":1364.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07851724326610565},{"word":"paying","start":1364.115,"end":1364.4349,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.057704366743564606},{"word":"us","start":1364.4349,"end":1364.82,"confidence":0.9824219,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.040125712752342224},{"word":"but","start":1365.0599,"end":1365.2999,"confidence":0.8388672,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05901912599802017},{"word":"for","start":1365.2999,"end":1365.5399,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03286297619342804},{"word":"compliance","start":1365.5399,"end":1366.0399,"confidence":0.9980469,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.12048427760601044},{"word":"purposes","start":1366.1799,"end":1366.6599,"confidence":0.99902344,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.09809520840644836},{"word":"we","start":1366.6599,"end":1366.8999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09732916951179504},{"word":"have","start":1366.8999,"end":1367.1399,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08896692842245102},{"word":"to","start":1367.1399,"end":1367.2999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08664777874946594},{"word":"disclose","start":1367.2999,"end":1367.7799,"confidence":0.99902344,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.10654326528310776},{"word":"any","start":1367.7799,"end":1368.0199,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06954101473093033},{"word":"commissions","start":1368.0199,"end":1368.5,"confidence":0.99316406,"punctuated_word":"commissions","sentiment":"neutral","sentiment_score":0.11983096599578856},{"word":"that","start":1368.5,"end":1368.6599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1500663161277771},{"word":"we","start":1368.6599,"end":1368.8999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1240835338830948},{"word":"receive","start":1368.8999,"end":1369.38,"confidence":0.46875,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.11192698776721954},{"word":"so","start":1369.38,"end":1369.5399,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1317371428012848},{"word":"that","start":1369.5399,"end":1369.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1796117126941681},{"word":"you","start":1369.7,"end":1369.86,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19562040269374847},{"word":"are","start":1369.86,"end":1370.1,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16626781225204468},{"word":"fully","start":1370.1,"end":1370.58,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.19193260371685028},{"word":"aware","start":1370.58,"end":1370.8999,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.14397358894348145},{"word":"of","start":1370.8999,"end":1371.1399,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1801680624485016},{"word":"it","start":1371.1399,"end":1371.62,"confidence":0.61938477,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.13367456197738647},{"word":"but","start":1371.62,"end":1371.86,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08281683921813965},{"word":"no","start":1371.86,"end":1372.1,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.009016424417495728},{"word":"changes","start":1372.1,"end":1372.58,"confidence":0.99316406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.03091820701956749},{"word":"in","start":1372.58,"end":1372.74,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030465006828308105},{"word":"regards","start":1372.74,"end":1373.1399,"confidence":0.9633789,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.020695112645626068},{"word":"to","start":1373.1399,"end":1373.2999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05818945914506912},{"word":"that","start":1373.2999,"end":1373.7999,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0598735585808754},{"word":"yep","start":1375.5399,"end":1376.0199,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13624006509780884},{"word":"do","start":1376.0199,"end":1376.1799,"confidence":0.99316406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.08272921293973923},{"word":"you","start":1376.1799,"end":1376.34,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10590719431638718},{"word":"have","start":1376.34,"end":1376.5,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10059190541505814},{"word":"any","start":1376.5,"end":1376.74,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11186370998620988},{"word":"questions","start":1376.74,"end":1377.24,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0927441343665123},{"word":"in","start":1377.2999,"end":1377.46,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07885457575321198},{"word":"regards","start":1377.46,"end":1377.86,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.07041816413402557},{"word":"to","start":1377.86,"end":1378.0199,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1013561710715294},{"word":"any","start":1378.0199,"end":1378.2599,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1764710396528244},{"word":"of","start":1378.2599,"end":1378.4199,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18214643001556396},{"word":"that","start":1378.4199,"end":1378.74,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16513223946094513},{"word":"so","start":1378.74,"end":1378.98,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1590583473443985},{"word":"far","start":1378.98,"end":1379.48,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.10503940284252168},{"word":"no","start":1381.385,"end":1381.865,"confidence":0.96240234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.010414615273475649},{"word":"perfect","start":1381.865,"end":1382.365,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.36335352063179016},{"word":"and","start":1382.425,"end":1382.585,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2569918930530548},{"word":"that","start":1382.585,"end":1382.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26997169852256775},{"word":"basically","start":1382.825,"end":1383.325,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.23595909774303436},{"word":"summarizes","start":1383.465,"end":1383.965,"confidence":0.99902344,"punctuated_word":"summarizes","sentiment":"positive","sentiment_score":0.3618794083595276},{"word":"everything","start":1384.345,"end":1384.845,"confidence":0.9946289,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.4219461679458618},{"word":"so","start":1385.225,"end":1385.545,"confidence":0.9892578,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3452981114387512},{"word":"on","start":1385.545,"end":1385.705,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3747866749763489},{"word":"the","start":1385.705,"end":1385.865,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3539864122867584},{"word":"next","start":1385.865,"end":1386.185,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.25492480397224426},{"word":"couple","start":1386.185,"end":1386.505,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.31214869022369385},{"word":"of","start":1386.505,"end":1386.665,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.345544695854187},{"word":"pages","start":1386.665,"end":1387.065,"confidence":0.99853516,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.2870297431945801},{"word":"it","start":1387.065,"end":1387.225,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27897143363952637},{"word":"just","start":1387.225,"end":1387.465,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.25199785828590393},{"word":"shows","start":1387.465,"end":1387.705,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.222641259431839},{"word":"you","start":1387.705,"end":1387.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28913235664367676},{"word":"the","start":1387.945,"end":1388.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2854187786579132},{"word":"authority","start":1388.185,"end":1388.685,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.3062537908554077},{"word":"to","start":1388.745,"end":1388.985,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3059265613555908},{"word":"proceed","start":1388.985,"end":1389.485,"confidence":0.83691406,"punctuated_word":"proceed.","sentiment":"positive","sentiment_score":0.3334481716156006},{"word":"and","start":1390.185,"end":1390.345,"confidence":0.83203125,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3455294370651245},{"word":"that","start":1390.345,"end":1390.585,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.33064189553260803},{"word":"is","start":1390.585,"end":1390.905,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29983600974082947},{"word":"if","start":1390.905,"end":1391.065,"confidence":0.7602539,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4388222098350525},{"word":"you","start":1391.065,"end":1391.305,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5011307001113892},{"word":"are","start":1391.305,"end":1391.465,"confidence":0.9902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4555809199810028},{"word":"happy","start":1391.465,"end":1391.785,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.44790351390838623},{"word":"to","start":1391.785,"end":1391.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5236464738845825},{"word":"go","start":1391.945,"end":1392.185,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4898798763751984},{"word":"ahead","start":1392.185,"end":1392.505,"confidence":1.0,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.5233829021453857},{"word":"with","start":1392.505,"end":1392.745,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5179525017738342},{"word":"the","start":1392.745,"end":1392.985,"confidence":0.9658203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5185815095901489},{"word":"recommendation","start":1392.985,"end":1393.485,"confidence":0.99609375,"punctuated_word":"recommendation,","sentiment":"positive","sentiment_score":0.43835023045539856},{"word":"we","start":1394.025,"end":1394.185,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4092404246330261},{"word":"are","start":1394.185,"end":1394.345,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4584863483905792},{"word":"then","start":1394.345,"end":1394.665,"confidence":0.9970703,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.49656495451927185},{"word":"looking","start":1394.665,"end":1394.985,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.41519179940223694},{"word":"at","start":1394.985,"end":1395.3,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.36972054839134216},{"word":"keeping","start":1395.4601,"end":1395.78,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.3415224254131317},{"word":"your","start":1395.78,"end":1395.8601,"confidence":0.8618164,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35785338282585144},{"word":"hub","start":1395.8601,"end":1396.26,"confidence":0.26831055,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.32334253191947937},{"word":"24","start":1396.26,"end":1397.0,"confidence":0.9970703,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.39199140667915344},{"word":"and","start":1397.14,"end":1397.38,"confidence":0.9482422,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35057833790779114},{"word":"simply","start":1397.38,"end":1397.88,"confidence":1.0,"punctuated_word":"simply","sentiment":"positive","sentiment_score":0.3690304756164551},{"word":"changing","start":1398.02,"end":1398.5,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.4405091106891632},{"word":"those","start":1398.5,"end":1398.9801,"confidence":0.9980469,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3734368681907654},{"word":"underlying","start":1398.9801,"end":1399.4801,"confidence":0.99902344,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":0.33082014322280884},{"word":"investments","start":1399.7001,"end":1400.2001,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.19537042081356049},{"word":"for","start":1400.42,"end":1400.5801,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3776715397834778},{"word":"you","start":1400.5801,"end":1401.0801,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3518286645412445},{"word":"and","start":1401.38,"end":1401.54,"confidence":0.390625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30794763565063477},{"word":"then","start":1401.54,"end":1401.78,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.32150012254714966},{"word":"also","start":1401.78,"end":1402.18,"confidence":0.9301758,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.29453158378601074},{"word":"in","start":1402.18,"end":1402.42,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2926022410392761},{"word":"regards","start":1402.42,"end":1402.9,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.21406440436840057},{"word":"to","start":1402.9,"end":1403.06,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32226502895355225},{"word":"those","start":1403.06,"end":1403.54,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3329084515571594},{"word":"beneficiary","start":1403.54,"end":1404.04,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.32476529479026794},{"word":"nomination","start":1404.26,"end":1404.76,"confidence":0.98828125,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":0.31429195404052734},{"word":"but","start":1406.18,"end":1406.42,"confidence":0.7207031,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.27779698371887207},{"word":"like","start":1406.42,"end":1406.66,"confidence":0.8925781,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.30184900760650635},{"word":"i","start":1406.66,"end":1406.8201,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2748669683933258},{"word":"said","start":1406.8201,"end":1407.2201,"confidence":1.0,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.2949540615081787},{"word":"you","start":1407.2201,"end":1407.4601,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34889164566993713},{"word":"have","start":1407.4601,"end":1407.7001,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34044966101646423},{"word":"the","start":1407.7001,"end":1407.8601,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3444071114063263},{"word":"option","start":1407.8601,"end":1408.26,"confidence":0.81884766,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.30163705348968506},{"word":"obviously","start":1408.26,"end":1408.74,"confidence":0.9975586,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.3506860136985779},{"word":"of","start":1408.74,"end":1409.24,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2998747229576111},{"word":"when","start":1409.4601,"end":1409.78,"confidence":0.56591797,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21419113874435425},{"word":"you're","start":1409.78,"end":1409.9401,"confidence":0.97924805,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18137572705745697},{"word":"not","start":1409.9401,"end":1410.26,"confidence":0.9902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11554530262947084},{"word":"at","start":1410.26,"end":1410.42,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09451430290937424},{"word":"work","start":1410.42,"end":1410.92,"confidence":0.9523926,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.15876199305057526},{"word":"take","start":1411.355,"end":1411.515,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.21747949719429016},{"word":"your","start":1411.515,"end":1411.755,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20455464720726013},{"word":"time","start":1411.755,"end":1412.255,"confidence":0.89624023,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.20934107899665833},{"word":"have","start":1412.3151,"end":1412.475,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22832947969436648},{"word":"a","start":1412.475,"end":1412.635,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25432583689689636},{"word":"read","start":1412.635,"end":1412.9551,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.16227351129055023},{"word":"over","start":1412.9551,"end":1413.275,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1967800259590149},{"word":"the","start":1413.275,"end":1413.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21273785829544067},{"word":"document","start":1413.435,"end":1413.935,"confidence":0.7844238,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.20827779173851013},{"word":"if","start":1414.635,"end":1414.795,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.28282132744789124},{"word":"you","start":1414.795,"end":1414.9551,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27133095264434814},{"word":"have","start":1414.9551,"end":1415.275,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2159532606601715},{"word":"any","start":1415.275,"end":1415.595,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.23283323645591736},{"word":"questions","start":1415.595,"end":1416.095,"confidence":0.99658203,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.23976007103919983},{"word":"just","start":1416.395,"end":1416.795,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23569130897521973},{"word":"email","start":1416.795,"end":1417.115,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1809835433959961},{"word":"me","start":1417.115,"end":1417.435,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24621416628360748},{"word":"or","start":1417.435,"end":1417.8351,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2216479778289795},{"word":"or","start":1417.8351,"end":1418.0751,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17207947373390198},{"word":"email","start":1418.0751,"end":1418.555,"confidence":0.75097656,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.27740591764450073},{"word":"my","start":1419.1951,"end":1419.355,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3173365294933319},{"word":"colleague","start":1419.355,"end":1419.675,"confidence":1.0,"punctuated_word":"colleague","sentiment":"positive","sentiment_score":0.3485953211784363},{"word":"whitlam","start":1419.675,"end":1420.155,"confidence":0.77905273,"punctuated_word":"Whitlam","sentiment":"neutral","sentiment_score":0.3297821879386902},{"word":"who","start":1420.155,"end":1420.3151,"confidence":0.5419922,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.32368773221969604},{"word":"will","start":1420.3151,"end":1420.475,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32217440009117126},{"word":"then","start":1420.475,"end":1420.715,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3281218707561493},{"word":"book","start":1420.715,"end":1420.9551,"confidence":1.0,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.33588477969169617},{"word":"you","start":1420.9551,"end":1421.115,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3849120140075683},{"word":"in","start":1421.115,"end":1421.275,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.36370882391929626},{"word":"for","start":1421.275,"end":1421.435,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38575711846351624},{"word":"a","start":1421.435,"end":1421.595,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.412207305431366},{"word":"catch","start":1421.595,"end":1421.915,"confidence":0.9760742,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.3761419355869293},{"word":"up","start":1421.915,"end":1422.0751,"confidence":0.9902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.34714841842651367},{"word":"with","start":1422.0751,"end":1422.3151,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3652072548866272},{"word":"me","start":1422.3151,"end":1422.8151,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.3872352242469787},{"word":"if","start":1422.875,"end":1423.115,"confidence":0.7060547,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3984310030937195},{"word":"there","start":1423.115,"end":1423.275,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3809989392757416},{"word":"is","start":1423.275,"end":1423.435,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3689062297344208},{"word":"anything","start":1423.435,"end":1423.8351,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.41215819120407104},{"word":"you","start":1423.8351,"end":1424.0751,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34182989597320557},{"word":"do","start":1424.0751,"end":1424.3151,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.29355588555336},{"word":"wanna","start":1424.3151,"end":1424.8151,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.33796799182891846},{"word":"run","start":1424.9551,"end":1425.275,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.30704134702682495},{"word":"through","start":1425.275,"end":1425.775,"confidence":0.9970703,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.2918306589126587},{"word":"if","start":1426.48,"end":1426.6399,"confidence":1.0,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.4319317936897278},{"word":"you","start":1426.6399,"end":1426.7999,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5162069797515869},{"word":"do","start":1426.7999,"end":1427.0399,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4026956558227539},{"word":"have","start":1427.0399,"end":1427.2799,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5001760721206665},{"word":"a","start":1427.2799,"end":1427.5199,"confidence":0.97509766,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5120149254798889},{"word":"read","start":1427.5199,"end":1427.7599,"confidence":0.9970703,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.4202152490615845},{"word":"over","start":1427.7599,"end":1428.08,"confidence":0.9892578,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5120955109596252},{"word":"it","start":1428.08,"end":1428.24,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5213687419891357},{"word":"and","start":1428.24,"end":1428.48,"confidence":0.8520508,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5002570152282715},{"word":"it","start":1428.48,"end":1428.6399,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5579261183738708},{"word":"all","start":1428.6399,"end":1428.88,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5415748357772827},{"word":"makes","start":1428.88,"end":1429.12,"confidence":0.9526367,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.49703019857406616},{"word":"sense","start":1429.12,"end":1429.36,"confidence":1.0,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.48197558522224426},{"word":"and","start":1429.36,"end":1429.5199,"confidence":0.88720703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5644122362136841},{"word":"you","start":1429.5199,"end":1429.7599,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6329920887947083},{"word":"are","start":1429.7599,"end":1429.9199,"confidence":0.9838867,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6431101560592651},{"word":"happy","start":1429.9199,"end":1430.32,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7017600536346436},{"word":"with","start":1430.32,"end":1430.5599,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7197509407997131},{"word":"the","start":1430.5599,"end":1430.7999,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7030609846115112},{"word":"recommendation","start":1430.7999,"end":1431.2999,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"positive","sentiment_score":0.6695257425308228},{"word":"to","start":1432.3999,"end":1432.5599,"confidence":0.54541016,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5381237864494324},{"word":"then","start":1432.5599,"end":1432.88,"confidence":0.9970703,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5012969374656677},{"word":"move","start":1432.88,"end":1433.2799,"confidence":0.9980469,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.5692145824432373},{"word":"forward","start":1433.2799,"end":1433.7799,"confidence":0.98706055,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.5739445090293884},{"word":"it","start":1433.84,"end":1434.08,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5655137896537781},{"word":"will","start":1434.08,"end":1434.24,"confidence":0.99902344,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.501486599445343},{"word":"just","start":1434.24,"end":1434.5599,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5222290754318237},{"word":"ask","start":1434.5599,"end":1434.7999,"confidence":1.0,"punctuated_word":"ask","sentiment":"positive","sentiment_score":0.49758297204971313},{"word":"you","start":1434.7999,"end":1435.0399,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4817289113998413},{"word":"to","start":1435.0399,"end":1435.2799,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4822888374328614},{"word":"sign","start":1435.2799,"end":1435.7799,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2779195308685303},{"word":"these","start":1435.9199,"end":1436.1599,"confidence":0.5878906,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.379136860370636},{"word":"documents","start":1436.1599,"end":1436.6399,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"positive","sentiment_score":0.40460771322250366},{"word":"that","start":1436.6399,"end":1436.7999,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4578226804733277},{"word":"you","start":1436.7999,"end":1436.96,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4355250298976898},{"word":"are","start":1436.96,"end":1437.2,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4437638819217682},{"word":"in","start":1437.2,"end":1437.36,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.41154226660728455},{"word":"the","start":1437.36,"end":1437.6,"confidence":0.90283203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.418025016784668},{"word":"email","start":1437.6,"end":1438.1,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.4309113621711731},{"word":"now","start":1438.24,"end":1438.74,"confidence":0.99902344,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.3962825834751129},{"word":"once","start":1439.225,"end":1439.385,"confidence":1.0,"punctuated_word":"Once","sentiment":"positive","sentiment_score":0.43552494049072266},{"word":"you've","start":1439.385,"end":1439.625,"confidence":0.9970703,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.45042532682418823},{"word":"added","start":1439.625,"end":1440.025,"confidence":1.0,"punctuated_word":"added","sentiment":"positive","sentiment_score":0.4237802028656006},{"word":"the","start":1440.025,"end":1440.345,"confidence":0.8491211,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4897540509700775},{"word":"signature","start":1440.345,"end":1440.845,"confidence":0.99853516,"punctuated_word":"signature,","sentiment":"positive","sentiment_score":0.4309163987636566},{"word":"it","start":1440.985,"end":1441.145,"confidence":0.9902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5209211111068726},{"word":"then","start":1441.145,"end":1441.465,"confidence":0.9980469,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4476890563964844},{"word":"automatically","start":1441.465,"end":1441.965,"confidence":1.0,"punctuated_word":"automatically","sentiment":"positive","sentiment_score":0.5190510153770447},{"word":"sends","start":1442.265,"end":1442.505,"confidence":0.99316406,"punctuated_word":"sends","sentiment":"positive","sentiment_score":0.45219627022743225},{"word":"it","start":1442.505,"end":1442.745,"confidence":0.99316406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5267069339752197},{"word":"back","start":1442.745,"end":1443.0651,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.47975435853004456},{"word":"to","start":1443.0651,"end":1443.225,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5173529386520386},{"word":"me","start":1443.225,"end":1443.465,"confidence":0.9658203,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.593135416507721},{"word":"and","start":1443.465,"end":1443.7051,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5666062831878662},{"word":"that","start":1443.7051,"end":1443.9451,"confidence":0.98291016,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6116684079170227},{"word":"tells","start":1443.9451,"end":1444.265,"confidence":0.96972656,"punctuated_word":"tells","sentiment":"positive","sentiment_score":0.5704149007797241},{"word":"me","start":1444.265,"end":1444.425,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.6694571375846863},{"word":"that","start":1444.425,"end":1444.505,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5740382075309753},{"word":"you","start":1444.505,"end":1444.665,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6307612061500549},{"word":"are","start":1444.665,"end":1444.905,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6320102214813232},{"word":"happy","start":1444.905,"end":1445.225,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6705319285392761},{"word":"to","start":1445.225,"end":1445.385,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.674862802028656},{"word":"go","start":1445.385,"end":1445.545,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6745449304580688},{"word":"ahead","start":1445.545,"end":1445.785,"confidence":1.0,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.6603181958198547},{"word":"with","start":1445.785,"end":1446.025,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7327420711517334},{"word":"the","start":1446.025,"end":1446.185,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7532477378845215},{"word":"recommendation","start":1446.185,"end":1446.685,"confidence":0.9663086,"punctuated_word":"recommendation.","sentiment":"positive","sentiment_score":0.5560465455055237},{"word":"now","start":1449.225,"end":1449.465,"confidence":0.9951172,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12183168530464172},{"word":"do","start":1449.465,"end":1449.625,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08448956906795502},{"word":"you","start":1449.625,"end":1449.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11623090505599976},{"word":"have","start":1449.785,"end":1449.9451,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11369994282722472},{"word":"any","start":1449.9451,"end":1450.185,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0964251160621643},{"word":"questions","start":1450.185,"end":1450.665,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07205650210380554},{"word":"before","start":1450.665,"end":1451.0651,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.04590675234794617},{"word":"i","start":1451.0651,"end":1451.385,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05557393282651901},{"word":"let","start":1451.385,"end":1451.625,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.040559396147727966},{"word":"you","start":1451.625,"end":1451.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07886800169944763},{"word":"go","start":1451.785,"end":1452.025,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06774845719337463},{"word":"back","start":1452.025,"end":1452.185,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03461792320013046},{"word":"to","start":1452.185,"end":1452.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003931231796741486},{"word":"work","start":1452.345,"end":1452.585,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.059031613171100616},{"word":"otherwise","start":1452.585,"end":1453.085,"confidence":0.9091797,"punctuated_word":"otherwise?","sentiment":"neutral","sentiment_score":0.03691113740205765},{"word":"mhmm","start":1460.88,"end":1461.38,"confidence":0.92004395,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.023277418687939644},{"word":"correct","start":1467.0549,"end":1467.5549,"confidence":0.9013672,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.08441077917814255},{"word":"correct","start":1468.4149,"end":1468.9149,"confidence":0.9980469,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.14121536910533905},{"word":"i","start":1468.975,"end":1469.1349,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03445655107498169},{"word":"do","start":1469.1349,"end":1469.2949,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0055211931467056274},{"word":"ask","start":1469.2949,"end":1469.5349,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.02473747730255127},{"word":"if","start":1469.5349,"end":1469.695,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01161053031682968},{"word":"it's","start":1469.695,"end":1469.855,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01139271166175604},{"word":"possible","start":1469.855,"end":1470.255,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.002170536667108536},{"word":"for","start":1470.255,"end":1470.4149,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012157551944255829},{"word":"you","start":1470.4149,"end":1470.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011060547083616257},{"word":"to","start":1470.575,"end":1470.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011477302759885788},{"word":"email","start":1470.735,"end":1471.0549,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.01700534299015999},{"word":"me","start":1471.0549,"end":1471.215,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.014303088188171388},{"word":"just","start":1471.215,"end":1471.455,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0159924179315567},{"word":"so","start":1471.455,"end":1471.615,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.006694398820400238},{"word":"that","start":1471.615,"end":1471.7749,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009185709059238434},{"word":"i","start":1471.7749,"end":1472.0149,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02895396575331688},{"word":"know","start":1472.0149,"end":1472.335,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.01711982488632202},{"word":"that","start":1472.335,"end":1472.495,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05500446632504463},{"word":"you","start":1472.495,"end":1472.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06092534586787224},{"word":"have","start":1472.735,"end":1472.8949,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07338027656078339},{"word":"made","start":1472.8949,"end":1473.1349,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.05394326522946358},{"word":"a","start":1473.1349,"end":1473.2949,"confidence":0.91748047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05032496154308319},{"word":"decision","start":1473.2949,"end":1473.7949,"confidence":0.95825195,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":0.006119191646575928},{"word":"so","start":1474.1749,"end":1474.4149,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0022898465394973755},{"word":"whether","start":1474.4149,"end":1474.6549,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.07303264737129211},{"word":"you","start":1474.6549,"end":1474.8949,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06911453604698181},{"word":"email","start":1474.8949,"end":1475.215,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.0801350325345993},{"word":"me","start":1475.215,"end":1475.455,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.06897122412919998},{"word":"and","start":1475.455,"end":1475.615,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13294236361980438},{"word":"just","start":1475.615,"end":1475.855,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12698335945606232},{"word":"say","start":1475.855,"end":1476.095,"confidence":0.9941406,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.1091260090470314},{"word":"hey","start":1476.095,"end":1476.335,"confidence":0.94677734,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.1040273904800415},{"word":"i've","start":1476.335,"end":1476.495,"confidence":0.97314453,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13762167096138},{"word":"decided","start":1476.495,"end":1476.975,"confidence":1.0,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.1527058482170105},{"word":"not","start":1476.975,"end":1477.1349,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17433248460292816},{"word":"to","start":1477.1349,"end":1477.2949,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14771059155464172},{"word":"go","start":1477.2949,"end":1477.5349,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1376965045928955},{"word":"ahead","start":1477.5349,"end":1478.0349,"confidence":0.9135742,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":-0.13457176089286804},{"word":"that","start":1478.1749,"end":1478.4149,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.06247318536043167},{"word":"way","start":1478.4149,"end":1478.8949,"confidence":0.7980957,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.02695949748158455},{"word":"i","start":1478.8949,"end":1479.0549,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02674415707588196},{"word":"can","start":1479.0549,"end":1479.2949,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.027066871523857117},{"word":"tell","start":1479.2949,"end":1479.695,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.005535192787647247},{"word":"the","start":1479.695,"end":1479.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008129119873046875},{"word":"team","start":1479.855,"end":1480.355,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.0017843693494796753},{"word":"to","start":1480.4149,"end":1480.9149,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0051779597997665405},{"word":"not","start":1481.49,"end":1481.73,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03806927055120468},{"word":"follow-up","start":1481.73,"end":1482.21,"confidence":0.99902344,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":-0.07759975641965866},{"word":"with","start":1482.21,"end":1482.37,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07346076518297195},{"word":"you","start":1482.37,"end":1482.61,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029831334948539737},{"word":"or","start":1482.61,"end":1482.77,"confidence":0.9428711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07308613508939743},{"word":"email","start":1482.77,"end":1483.01,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.03520344942808151},{"word":"or","start":1483.01,"end":1483.09,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03936445713043213},{"word":"call","start":1483.09,"end":1483.33,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.020231440663337708},{"word":"you","start":1483.33,"end":1483.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030899174511432648},{"word":"to","start":1483.57,"end":1483.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019758261740207672},{"word":"to","start":1483.89,"end":1484.05,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03186817467212677},{"word":"get","start":1484.05,"end":1484.29,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04605989158153534},{"word":"an","start":1484.29,"end":1484.53,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05328275263309479},{"word":"answer","start":1484.53,"end":1485.03,"confidence":0.90478516,"punctuated_word":"answer,","sentiment":"neutral","sentiment_score":-0.02084315195679665},{"word":"and","start":1485.49,"end":1485.65,"confidence":0.63964844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0142119899392128},{"word":"that's","start":1485.65,"end":1485.97,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.013632739894092085},{"word":"what","start":1485.97,"end":1486.13,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01941848546266556},{"word":"you","start":1486.13,"end":1486.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04033217579126358},{"word":"decide","start":1486.37,"end":1486.69,"confidence":0.9975586,"punctuated_word":"decide.","sentiment":"neutral","sentiment_score":0.0052405595779418945},{"word":"but","start":1486.69,"end":1486.85,"confidence":0.96313477,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.13634109497070312},{"word":"yes","start":1486.85,"end":1487.17,"confidence":0.99365234,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.27000927925109863},{"word":"the","start":1487.17,"end":1487.25,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3937018811702728},{"word":"choice","start":1487.25,"end":1487.57,"confidence":0.99902344,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.2987768352031708},{"word":"is","start":1487.57,"end":1487.73,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3805922567844391},{"word":"completely","start":1487.73,"end":1488.23,"confidence":1.0,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.5068254470825195},{"word":"yours","start":1488.29,"end":1488.61,"confidence":0.829834,"punctuated_word":"yours.","sentiment":"positive","sentiment_score":0.43169617652893066},{"word":"if","start":1488.61,"end":1488.85,"confidence":1.0,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.33342304825782776},{"word":"you","start":1488.85,"end":1489.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3261226415634155},{"word":"decide","start":1489.09,"end":1489.57,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.2580917179584503},{"word":"that","start":1489.57,"end":1489.89,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.340429425239563},{"word":"you","start":1489.89,"end":1490.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3074369728565216},{"word":"want","start":1490.13,"end":1490.45,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.2158242166042328},{"word":"to","start":1490.45,"end":1490.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2836129665374756},{"word":"leave","start":1490.61,"end":1490.85,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.22543427348136905},{"word":"everything","start":1490.85,"end":1491.33,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.29414084553718567},{"word":"at","start":1491.33,"end":1491.41,"confidence":0.5019531,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.192833811044693},{"word":"it","start":1491.41,"end":1491.91,"confidence":0.5761719,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22443631291389465},{"word":"or","start":1492.05,"end":1492.29,"confidence":0.80615234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18308870494365692},{"word":"whether","start":1492.29,"end":1492.53,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.16001862287521362},{"word":"you","start":1492.53,"end":1492.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21490293741226196},{"word":"wanna","start":1492.69,"end":1492.93,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20761412382125857},{"word":"go","start":1492.93,"end":1493.09,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15773063898086548},{"word":"ahead","start":1493.09,"end":1493.33,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.22854527831077576},{"word":"with","start":1493.33,"end":1493.49,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1832384318113327},{"word":"the","start":1493.49,"end":1493.65,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2940817177295685},{"word":"recommendation","start":1493.65,"end":1494.15,"confidence":0.81640625,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.18847885727882385},{"word":"just","start":1494.61,"end":1494.85,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16897624731063843},{"word":"let","start":1494.85,"end":1495.09,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15015393495559692},{"word":"me","start":1495.09,"end":1495.25,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24492421746253967},{"word":"know","start":1495.25,"end":1495.725,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.27213776111602783},{"word":"what","start":1495.8049,"end":1495.965,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2604551315307617},{"word":"you","start":1495.965,"end":1496.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25212177634239197},{"word":"have","start":1496.125,"end":1496.525,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2582305669784546},{"word":"decided","start":1496.525,"end":1497.005,"confidence":0.9423828,"punctuated_word":"decided,","sentiment":"neutral","sentiment_score":0.21385961771011353},{"word":"and","start":1497.005,"end":1497.245,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1968553364276886},{"word":"it","start":1497.245,"end":1497.325,"confidence":0.96533203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31069862842559814},{"word":"is","start":1497.325,"end":1497.565,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2249111831188202},{"word":"completely","start":1497.565,"end":1498.065,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.2266494631767273},{"word":"up","start":1498.125,"end":1498.285,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3020111620426178},{"word":"to","start":1498.285,"end":1498.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2616574466228485},{"word":"you","start":1498.365,"end":1498.865,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18660321831703183},{"word":"yep","start":1500.365,"end":1500.865,"confidence":0.8781738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12199509143829346},{"word":"what","start":1507.8049,"end":1508.0449,"confidence":0.9902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01801353693008423},{"word":"do","start":1508.0449,"end":1508.205,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.022890442982316017},{"word":"you","start":1508.205,"end":1508.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008332103490829468},{"word":"mean","start":1508.365,"end":1508.605,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.019254235550761223},{"word":"what","start":1508.605,"end":1508.765,"confidence":0.8569336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01663840189576149},{"word":"you're","start":1508.765,"end":1508.9249,"confidence":0.96655273,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.011440398171544077},{"word":"currently","start":1508.9249,"end":1509.405,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.03300175070762634},{"word":"on","start":1509.405,"end":1509.905,"confidence":0.9921875,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.008681711740791798},{"word":"yes","start":1519.05,"end":1519.4501,"confidence":0.9885254,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.026182588189840317},{"word":"so","start":1519.4501,"end":1519.6101,"confidence":0.8051758,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018201537430286407},{"word":"yeah","start":1520.17,"end":1520.5701,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0061872778460383415},{"word":"no","start":1520.5701,"end":1520.9701,"confidence":0.9758301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06603747606277466},{"word":"so","start":1520.9701,"end":1521.2101,"confidence":0.9013672,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.046066753566265106},{"word":"when","start":1521.2101,"end":1521.4501,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.02161579951643944},{"word":"you","start":1521.4501,"end":1521.9501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009060434997081757},{"word":"went","start":1522.0901,"end":1522.25,"confidence":0.87158203,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.0020270124077796936},{"word":"back","start":1522.25,"end":1522.4901,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.009054448455572128},{"word":"up","start":1522.4901,"end":1522.65,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0012092739343643188},{"word":"to","start":1522.65,"end":1522.81,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015522543340921402},{"word":"that","start":1522.81,"end":1523.13,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026140280067920685},{"word":"table","start":1523.13,"end":1523.63,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.001270882785320282},{"word":"so","start":1524.25,"end":1524.75,"confidence":0.9790039,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.000010836869478225708},{"word":"first","start":1525.285,"end":1525.605,"confidence":0.9604492,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0007799267768859863},{"word":"on","start":1525.605,"end":1525.685,"confidence":0.94628906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.016455162316560745},{"word":"the","start":1525.685,"end":1526.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0144477728754282},{"word":"investments","start":1526.005,"end":1526.505,"confidence":0.98461914,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.006674277596175671},{"word":"you","start":1526.565,"end":1526.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012502186000347136},{"word":"will","start":1526.725,"end":1526.885,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.006871972233057022},{"word":"see","start":1526.885,"end":1527.125,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02596663311123848},{"word":"it","start":1527.125,"end":1527.205,"confidence":0.8510742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017147960141301155},{"word":"in","start":1527.205,"end":1527.365,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004922457039356232},{"word":"that","start":1527.365,"end":1527.525,"confidence":0.8730469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0032807067036628723},{"word":"investment","start":1527.525,"end":1528.025,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0005333591252565384},{"word":"table","start":1528.085,"end":1528.405,"confidence":0.9980469,"punctuated_word":"table","sentiment":"neutral","sentiment_score":-0.005689159035682678},{"word":"switch","start":1528.405,"end":1528.905,"confidence":0.98095703,"punctuated_word":"switch.","sentiment":"neutral","sentiment_score":0.000807533971965313},{"word":"you","start":1529.205,"end":1529.365,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02498096227645874},{"word":"will","start":1529.365,"end":1529.685,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02291877195239067},{"word":"see","start":1529.685,"end":1530.185,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04669948294758797},{"word":"what","start":1530.645,"end":1530.805,"confidence":0.9658203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.019838586449623108},{"word":"you","start":1530.805,"end":1530.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008007615804672241},{"word":"are","start":1530.965,"end":1531.205,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.004754593595862389},{"word":"currently","start":1531.205,"end":1531.605,"confidence":0.99316406,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.0004146955907344818},{"word":"invested","start":1531.605,"end":1532.085,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.0011876188218593595},{"word":"in","start":1532.085,"end":1532.325,"confidence":0.9848633,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.009853819385170937},{"word":"which","start":1532.325,"end":1532.565,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02698817104101181},{"word":"is","start":1532.565,"end":1532.805,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00768062099814415},{"word":"where","start":1532.805,"end":1533.125,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.007519941776990891},{"word":"you","start":1533.125,"end":1533.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017374027520418167},{"word":"let","start":1533.925,"end":1534.165,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.019602786749601364},{"word":"me","start":1534.165,"end":1534.325,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0342734232544899},{"word":"just","start":1534.325,"end":1534.485,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026458177715539932},{"word":"scroll","start":1534.485,"end":1534.725,"confidence":0.9980469,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":-0.0016425736248493197},{"word":"it","start":1534.725,"end":1534.885,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.039949484169483185},{"word":"up","start":1534.885,"end":1535.045,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04035517945885658},{"word":"for","start":1535.045,"end":1535.205,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035811133682727814},{"word":"you","start":1535.205,"end":1535.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025846123695373535},{"word":"so","start":1535.365,"end":1535.525,"confidence":0.98828125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02585907280445099},{"word":"i","start":1535.525,"end":1535.605,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033687930554151535},{"word":"can","start":1535.605,"end":1535.845,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.014229219406843184},{"word":"tell","start":1535.845,"end":1536.005,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.03453309088945389},{"word":"you","start":1536.005,"end":1536.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03669070079922676},{"word":"exactly","start":1536.245,"end":1536.745,"confidence":0.9909668,"punctuated_word":"exactly.","sentiment":"neutral","sentiment_score":0.017030874267220497},{"word":"let","start":1539.71,"end":1539.9299,"confidence":0.96875,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.01258106715977192},{"word":"me","start":1539.9299,"end":1540.1499,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.027626892551779747},{"word":"just","start":1540.1499,"end":1540.37,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022532477974891663},{"word":"i'll","start":1540.59,"end":1540.75,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.021669887006282806},{"word":"just","start":1540.75,"end":1540.99,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02079920284450054},{"word":"scroll","start":1540.99,"end":1541.23,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.006987191736698151},{"word":"up","start":1541.23,"end":1541.39,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.017664914950728416},{"word":"just","start":1541.39,"end":1541.63,"confidence":0.91503906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017418760806322098},{"word":"so","start":1541.63,"end":1541.71,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.016458019614219666},{"word":"i","start":1541.71,"end":1541.87,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02397945709526539},{"word":"can","start":1541.87,"end":1542.03,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.012165315449237823},{"word":"tell","start":1542.03,"end":1542.27,"confidence":0.9980469,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.01862865686416626},{"word":"you","start":1542.27,"end":1542.59,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014830540865659714},{"word":"for","start":1542.59,"end":1542.75,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005249921232461929},{"word":"sure","start":1542.75,"end":1543.25,"confidence":1.0,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.008303578943014145},{"word":"yes","start":1546.4299,"end":1546.75,"confidence":0.9675293,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.054287806153297424},{"word":"correct","start":1546.75,"end":1547.25,"confidence":1.0,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.07310286164283752},{"word":"so","start":1547.5499,"end":1547.71,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0648246556520462},{"word":"you","start":1547.71,"end":1547.7899,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07402827590703964},{"word":"can","start":1547.7899,"end":1548.03,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09462524950504304},{"word":"see","start":1548.03,"end":1548.27,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11797331273555756},{"word":"the","start":1548.27,"end":1548.51,"confidence":0.6953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08244539797306061},{"word":"the","start":1548.51,"end":1548.6699,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07477250695228577},{"word":"column","start":1548.6699,"end":1548.99,"confidence":0.99316406,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.053462788462638855},{"word":"versus","start":1548.99,"end":1549.47,"confidence":0.29833984,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.04790281504392624},{"word":"current","start":1549.47,"end":1549.95,"confidence":0.67871094,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.005490817129611969},{"word":"weight","start":1549.95,"end":1550.19,"confidence":0.89086914,"punctuated_word":"weight.","sentiment":"neutral","sentiment_score":0.03287078067660332},{"word":"so","start":1550.19,"end":1550.35,"confidence":0.61035156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0717020258307457},{"word":"that","start":1550.35,"end":1550.51,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07226008921861649},{"word":"is","start":1550.51,"end":1550.6699,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05166930332779884},{"word":"what","start":1550.6699,"end":1550.75,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03839154168963432},{"word":"you","start":1550.75,"end":1550.9099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03943595662713051},{"word":"are","start":1550.9099,"end":1551.07,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.029153132811188694},{"word":"currently","start":1551.07,"end":1551.47,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.012027282267808914},{"word":"in","start":1551.47,"end":1551.855,"confidence":0.99194336,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.03559430316090584},{"word":"so","start":1551.855,"end":1552.095,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039661161601543427},{"word":"if","start":1552.095,"end":1552.255,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01929738372564316},{"word":"you","start":1552.255,"end":1552.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011535551398992538},{"word":"decide","start":1552.335,"end":1552.835,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.0010136626660823822},{"word":"you","start":1552.895,"end":1553.0549,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0056814029812812805},{"word":"don't","start":1553.0549,"end":1553.2949,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03222544491291046},{"word":"wanna","start":1553.2949,"end":1553.615,"confidence":0.96972656,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.042855627834796906},{"word":"change","start":1553.615,"end":1554.095,"confidence":0.9926758,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.04341976344585419},{"word":"that","start":1554.095,"end":1554.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008229449391365051},{"word":"stays","start":1554.415,"end":1554.815,"confidence":0.9951172,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":-0.02619846910238266},{"word":"the","start":1554.815,"end":1554.975,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014392614364624023},{"word":"same","start":1554.975,"end":1555.475,"confidence":1.0,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.016352703794836998},{"word":"if","start":1557.375,"end":1557.615,"confidence":0.85839844,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.014668174088001251},{"word":"you","start":1557.615,"end":1557.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015000995248556135},{"word":"then","start":1557.855,"end":1558.355,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02645675092935562},{"word":"scroll","start":1558.655,"end":1559.135,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":-0.0017191730439662931},{"word":"back","start":1559.135,"end":1559.615,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.009177591651678084},{"word":"to","start":1559.615,"end":1559.855,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0005666129291057587},{"word":"page","start":1559.855,"end":1560.355,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.019046667963266373},{"word":"15","start":1560.415,"end":1560.915,"confidence":0.99902344,"punctuated_word":"15,","sentiment":"neutral","sentiment_score":0.027045104652643204},{"word":"you","start":1562.015,"end":1562.1749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0428767092525959},{"word":"can","start":1562.1749,"end":1562.415,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.029660146683454514},{"word":"see","start":1562.415,"end":1562.575,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0336822085082531},{"word":"the","start":1562.575,"end":1562.895,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020025767385959625},{"word":"current","start":1562.895,"end":1563.2949,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0010711103677749634},{"word":"column","start":1563.2949,"end":1563.775,"confidence":0.982666,"punctuated_word":"column.","sentiment":"neutral","sentiment_score":0.006960572674870491},{"word":"so","start":1563.775,"end":1563.9349,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032483041286468506},{"word":"that","start":1563.9349,"end":1564.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03470546379685402},{"word":"is","start":1564.095,"end":1564.335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.017589405179023743},{"word":"all","start":1564.335,"end":1564.575,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.020709048956632618},{"word":"your","start":1564.575,"end":1564.815,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016665421426296234},{"word":"current","start":1564.815,"end":1565.215,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.0014152005314826963},{"word":"fees","start":1565.215,"end":1565.535,"confidence":0.9941406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.027316000312566757},{"word":"and","start":1565.535,"end":1565.695,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0018362626433372495},{"word":"the","start":1565.695,"end":1565.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01557607203722},{"word":"current","start":1565.855,"end":1566.255,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.015896521508693695},{"word":"returns","start":1566.255,"end":1566.755,"confidence":0.92089844,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.008194342255592346},{"word":"and","start":1566.815,"end":1566.975,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004801474511623383},{"word":"everything","start":1566.975,"end":1567.475,"confidence":1.0,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.016081996262073517},{"word":"so","start":1567.83,"end":1568.07,"confidence":0.93725586,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.039150506258010864},{"word":"again","start":1568.07,"end":1568.3099,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.05303134769201279},{"word":"if","start":1568.3099,"end":1568.5499,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10838433355093002},{"word":"you","start":1568.5499,"end":1568.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1051216870546341},{"word":"decide","start":1568.87,"end":1569.2699,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.12883710861206055},{"word":"that","start":1569.2699,"end":1569.51,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13113519549369812},{"word":"you","start":1569.51,"end":1569.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16137352585792542},{"word":"don't","start":1569.83,"end":1570.23,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16304272413253784},{"word":"want","start":1570.23,"end":1570.39,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.1404881775379181},{"word":"to","start":1570.39,"end":1570.47,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1340470910072327},{"word":"go","start":1570.47,"end":1570.71,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.15316328406333923},{"word":"ahead","start":1570.71,"end":1570.87,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.1321585327386856},{"word":"with","start":1570.87,"end":1571.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1579338312149048},{"word":"a","start":1571.11,"end":1571.2699,"confidence":0.54589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1082202047109604},{"word":"recommendation","start":1571.2699,"end":1571.7699,"confidence":0.99853516,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":-0.10168953239917757},{"word":"that's","start":1572.7899,"end":1573.0299,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.11979445070028304},{"word":"your","start":1573.0299,"end":1573.35,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14675495028495789},{"word":"current","start":1573.35,"end":1573.75,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.1716582477092743},{"word":"situation","start":1573.75,"end":1574.25,"confidence":0.9995117,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":-0.11523422598838806},{"word":"yep","start":1575.75,"end":1576.25,"confidence":0.93115234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15004214644432068},{"word":"and","start":1576.7899,"end":1576.95,"confidence":0.5996094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11739777773618698},{"word":"that's","start":1576.95,"end":1577.2699,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10442034900188446},{"word":"the","start":1577.2699,"end":1577.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10760441422462463},{"word":"same","start":1577.35,"end":1577.59,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.11859100311994553},{"word":"with","start":1577.59,"end":1577.83,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10838718712329865},{"word":"that","start":1577.83,"end":1578.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16067905724048617},{"word":"table","start":1578.07,"end":1578.5499,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.0972246378660202},{"word":"on","start":1578.5499,"end":1578.7899,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10366494208574296},{"word":"page","start":1578.7899,"end":1579.2699,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10615164041519164},{"word":"16","start":1579.2699,"end":1579.7699,"confidence":0.98583984,"punctuated_word":"16.","sentiment":"neutral","sentiment_score":0.14209015667438507},{"word":"you","start":1580.315,"end":1580.475,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11616864055395126},{"word":"can","start":1580.475,"end":1580.715,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10655157268047331},{"word":"see","start":1580.715,"end":1580.955,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10045479983091354},{"word":"then","start":1580.955,"end":1581.4349,"confidence":0.9580078,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08044016361236572},{"word":"current","start":1581.4349,"end":1581.915,"confidence":0.98095703,"punctuated_word":"current,","sentiment":"neutral","sentiment_score":0.04551387578248978},{"word":"which","start":1581.915,"end":1582.155,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.09244707226753236},{"word":"is","start":1582.155,"end":1582.395,"confidence":0.88549805,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.09271052479743958},{"word":"again","start":1582.395,"end":1582.715,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.10172508656978609},{"word":"if","start":1582.715,"end":1582.875,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07533381879329681},{"word":"you","start":1582.875,"end":1582.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07591326534748077},{"word":"decide","start":1582.955,"end":1583.275,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.05622995644807816},{"word":"you","start":1583.275,"end":1583.4349,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06740675866603851},{"word":"don't","start":1583.4349,"end":1583.595,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.038970768451690674},{"word":"wanna","start":1583.595,"end":1583.835,"confidence":0.9614258,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05724664777517319},{"word":"go","start":1583.835,"end":1583.995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06109260767698288},{"word":"ahead","start":1583.995,"end":1584.495,"confidence":0.9501953,"punctuated_word":"ahead,","sentiment":"neutral","sentiment_score":0.10259489715099336},{"word":"the","start":1584.875,"end":1584.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13757216930389404},{"word":"current","start":1584.955,"end":1585.455,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.06624589115381241},{"word":"prediction","start":1586.075,"end":1586.575,"confidence":0.47851562,"punctuated_word":"prediction","sentiment":"neutral","sentiment_score":0.14591331779956818},{"word":"and","start":1586.955,"end":1587.115,"confidence":0.6557617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06607529520988464},{"word":"then","start":1587.115,"end":1587.355,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12107601016759872},{"word":"also","start":1587.355,"end":1587.6749,"confidence":0.96435547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07753915339708328},{"word":"the","start":1587.6749,"end":1587.915,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09212204068899156},{"word":"current","start":1587.915,"end":1588.235,"confidence":0.9921875,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.049599409103393555},{"word":"return","start":1588.235,"end":1588.715,"confidence":0.83984375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.12620604038238523},{"word":"on","start":1588.715,"end":1588.875,"confidence":0.79003906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0578986257314682},{"word":"those","start":1588.875,"end":1589.195,"confidence":0.94921875,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06822745501995087},{"word":"investments","start":1589.195,"end":1589.695,"confidence":0.67089844,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.026975730434060097},{"word":"yep","start":1591.755,"end":1592.075,"confidence":0.8327637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08779804408550262},{"word":"does","start":1592.075,"end":1592.315,"confidence":0.9394531,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07568492740392685},{"word":"does","start":1592.315,"end":1592.475,"confidence":0.7626953,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.09001379460096359},{"word":"that","start":1592.475,"end":1592.635,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14898426830768585},{"word":"answer","start":1592.635,"end":1592.955,"confidence":1.0,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.14113876223564148},{"word":"that","start":1592.955,"end":1593.115,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1517246961593628},{"word":"question","start":1593.115,"end":1593.4349,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.18427643179893496},{"word":"for","start":1593.4349,"end":1593.6749,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17212364077568054},{"word":"you","start":1593.6749,"end":1594.08,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.10142537206411362},{"word":"yeah","start":1595.0399,"end":1595.5399,"confidence":0.8120117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3233073949813843},{"word":"perfect","start":1595.9199,"end":1596.4199,"confidence":0.9946289,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5046368837356567},{"word":"no","start":1596.72,"end":1596.96,"confidence":0.99658203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.004060803912580013},{"word":"that's","start":1596.96,"end":1597.2799,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4595076441764831},{"word":"okay","start":1597.2799,"end":1597.7799,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.39052367210388184},{"word":"so","start":1598.3999,"end":1598.72,"confidence":0.55126953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25227218866348267},{"word":"i","start":1598.72,"end":1598.96,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18309049308300016},{"word":"will","start":1598.96,"end":1599.2,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.18113279342651367},{"word":"let","start":1599.2,"end":1599.36,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2455525100231171},{"word":"you","start":1599.36,"end":1599.5199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21303614974021912},{"word":"go","start":1599.5199,"end":1599.76,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.23606398701667783},{"word":"and","start":1599.76,"end":1600.08,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19277742505073547},{"word":"get","start":1600.08,"end":1600.32,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19382525980472565},{"word":"back","start":1600.32,"end":1600.5599,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.17322754859924316},{"word":"to","start":1600.5599,"end":1600.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17061127722263336},{"word":"work","start":1600.72,"end":1601.22,"confidence":0.9995117,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.20121701061725616},{"word":"i","start":1601.2799,"end":1601.36,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08555865287780762},{"word":"know","start":1601.36,"end":1601.6,"confidence":0.9472656,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.008229158818721771},{"word":"there's","start":1601.6,"end":1601.84,"confidence":0.7578125,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0020583271980285645},{"word":"a","start":1601.84,"end":1601.9199,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014138594269752502},{"word":"lot","start":1601.9199,"end":1602.1599,"confidence":0.9941406,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.0005163177847862244},{"word":"to","start":1602.1599,"end":1602.32,"confidence":0.8442383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02737744152545929},{"word":"process","start":1602.32,"end":1602.82,"confidence":0.7832031,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.026188034564256668},{"word":"so","start":1602.96,"end":1603.2,"confidence":0.9428711,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.00014360249042510986},{"word":"so","start":1603.2,"end":1603.44,"confidence":0.9741211,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.046666160225868225},{"word":"take","start":1603.44,"end":1603.6799,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09541086852550508},{"word":"your","start":1603.6799,"end":1603.9199,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09952137619256972},{"word":"time","start":1603.9199,"end":1604.4199,"confidence":0.9980469,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.10590146481990814},{"word":"any","start":1605.6,"end":1605.9199,"confidence":0.97314453,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.06872624903917313},{"word":"questions","start":1605.9199,"end":1606.4199,"confidence":0.99316406,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.06886307895183563},{"word":"just","start":1606.5599,"end":1606.7999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08185287564992905},{"word":"let","start":1606.7999,"end":1607.0399,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10728272050619124},{"word":"me","start":1607.0399,"end":1607.2,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14993929862976074},{"word":"know","start":1607.2,"end":1607.5199,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12001831829547882},{"word":"what","start":1607.5199,"end":1607.6799,"confidence":0.9892578,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13985854387283325},{"word":"you","start":1607.6799,"end":1607.84,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14057518541812897},{"word":"want","start":1607.84,"end":1608.08,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.10648535192012788},{"word":"to","start":1608.08,"end":1608.1599,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09960481524467468},{"word":"do","start":1608.1599,"end":1608.32,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10226323455572128},{"word":"at","start":1608.32,"end":1608.48,"confidence":0.9633789,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09461813420057295},{"word":"the","start":1608.48,"end":1608.5599,"confidence":0.87060547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13989388942718506},{"word":"end","start":1608.5599,"end":1608.945,"confidence":0.9873047,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.10341978073120116},{"word":"the","start":1608.945,"end":1609.0249,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18939130008220673},{"word":"day","start":1609.0249,"end":1609.1849,"confidence":0.9033203,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.13674651086330414},{"word":"and","start":1609.1849,"end":1609.4249,"confidence":0.82470703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16135016083717346},{"word":"if","start":1609.4249,"end":1609.6649,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12387120723724364},{"word":"you","start":1609.6649,"end":1609.825,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1903211772441864},{"word":"do","start":1609.825,"end":1610.1449,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10036905109882356},{"word":"have","start":1610.1449,"end":1610.3049,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09953497350215912},{"word":"a","start":1610.3049,"end":1610.3849,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08595182001590729},{"word":"read","start":1610.3849,"end":1610.625,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.053127363324165344},{"word":"over","start":1610.625,"end":1610.7849,"confidence":0.71777344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08362336456775665},{"word":"and","start":1610.7849,"end":1610.945,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09907881170511246},{"word":"you","start":1610.945,"end":1611.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16349218785762787},{"word":"have","start":1611.105,"end":1611.1849,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09645304083824158},{"word":"a","start":1611.1849,"end":1611.2649,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11796458065509796},{"word":"couple","start":1611.2649,"end":1611.585,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07840563356876373},{"word":"more","start":1611.585,"end":1611.825,"confidence":0.5234375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06604801118373871},{"word":"questions","start":1611.825,"end":1612.325,"confidence":0.9951172,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.0837274119257927},{"word":"again","start":1612.7849,"end":1613.105,"confidence":0.9975586,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.10123589634895323},{"word":"just","start":1613.105,"end":1613.345,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08364763110876083},{"word":"let","start":1613.345,"end":1613.585,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11316591501235962},{"word":"me","start":1613.585,"end":1613.6649,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1383165419101715},{"word":"know","start":1613.6649,"end":1613.9049,"confidence":0.92041016,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13721421360969543},{"word":"and","start":1613.9049,"end":1614.065,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.146176278591156},{"word":"we","start":1614.065,"end":1614.1449,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1922478228807449},{"word":"can","start":1614.1449,"end":1614.3049,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2065964639186859},{"word":"always","start":1614.3049,"end":1614.625,"confidence":0.99609375,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2237149178981781},{"word":"do","start":1614.625,"end":1614.7849,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1984563171863556},{"word":"another","start":1614.7849,"end":1615.105,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.17870944738388062},{"word":"little","start":1615.105,"end":1615.345,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14561724662780762},{"word":"catch","start":1615.345,"end":1615.845,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.2098551243543625},{"word":"up","start":1615.985,"end":1616.1449,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13672560453414917},{"word":"when","start":1616.1449,"end":1616.3849,"confidence":0.91015625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2086661458015442},{"word":"it's","start":1616.3849,"end":1616.5449,"confidence":0.9765625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16120152175426483},{"word":"suitable","start":1616.5449,"end":1616.865,"confidence":0.99902344,"punctuated_word":"suitable","sentiment":"neutral","sentiment_score":0.13932675123214722},{"word":"for","start":1616.865,"end":1617.0249,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2046777606010437},{"word":"you","start":1617.0249,"end":1617.5249,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1735912263393402},{"word":"no","start":1619.825,"end":1620.065,"confidence":0.8251953,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.3634070754051209},{"word":"worries","start":1620.065,"end":1620.565,"confidence":0.9946289,"punctuated_word":"worries.","sentiment":"positive","sentiment_score":0.4542427062988281},{"word":"no","start":1620.865,"end":1621.105,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"positive","sentiment_score":0.4851047396659851},{"word":"that","start":1621.105,"end":1621.345,"confidence":0.9980469,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6486673355102539},{"word":"is","start":1621.345,"end":1621.585,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6427977681159973},{"word":"no","start":1621.585,"end":1621.825,"confidence":0.9863281,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.6068117022514343},{"word":"problem","start":1621.825,"end":1622.1449,"confidence":0.9980469,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.6294844746589661},{"word":"at","start":1622.1449,"end":1622.3049,"confidence":0.99609375,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6097695231437683},{"word":"all","start":1622.3049,"end":1622.465,"confidence":0.99902344,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.6902205944061279},{"word":"it","start":1622.465,"end":1622.5449,"confidence":0.99316406,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.8806255459785461},{"word":"was","start":1622.5449,"end":1622.705,"confidence":0.99609375,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.9120981097221376},{"word":"lovely","start":1622.705,"end":1623.105,"confidence":0.9951172,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.918239951133728},{"word":"speaking","start":1623.105,"end":1623.36,"confidence":0.9301758,"punctuated_word":"speaking","sentiment":"positive","sentiment_score":0.9359140396118164},{"word":"with","start":1623.36,"end":1623.52,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.9147822260856628},{"word":"you","start":1623.52,"end":1623.76,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8915853500366211},{"word":"today","start":1623.76,"end":1623.84,"confidence":0.89990234,"punctuated_word":"today,","sentiment":"positive","sentiment_score":0.8583821654319763},{"word":"and","start":1623.84,"end":1624.08,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8421745896339417},{"word":"thank","start":1624.08,"end":1624.24,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.8702071905136108},{"word":"you","start":1624.24,"end":1624.4,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.9017612934112548},{"word":"so","start":1624.4,"end":1624.5599,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8867201209068298},{"word":"much","start":1624.5599,"end":1624.72,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.9236939549446106},{"word":"for","start":1624.72,"end":1624.88,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.897446870803833},{"word":"your","start":1624.88,"end":1625.04,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.9072835445404052},{"word":"time","start":1625.04,"end":1625.28,"confidence":0.8251953,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8907768726348877},{"word":"and","start":1625.28,"end":1625.52,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.7559244632720947},{"word":"i","start":1625.52,"end":1625.6799,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8714227080345154},{"word":"hope","start":1625.6799,"end":1625.92,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.8212469220161438},{"word":"you","start":1625.92,"end":1626.08,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.807464063167572},{"word":"enjoy","start":1626.08,"end":1626.4,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.7791829109191895},{"word":"the","start":1626.4,"end":1626.5599,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8333010673522949},{"word":"rest","start":1626.5599,"end":1626.72,"confidence":1.0,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.838118314743042},{"word":"of","start":1626.72,"end":1626.7999,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8561161160469055},{"word":"your","start":1626.7999,"end":1627.04,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8553200960159302},{"word":"afternoon","start":1627.04,"end":1627.54,"confidence":0.9995117,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.8099979758262634},{"word":"thank","start":1629.6,"end":1629.92,"confidence":0.85546875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7527360916137695},{"word":"you","start":1629.92,"end":1630.08,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7286188006401062},{"word":"so","start":1630.08,"end":1630.24,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7734396457672119},{"word":"much","start":1630.24,"end":1630.64,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7854623198509216},{"word":"you","start":1630.64,"end":1630.88,"confidence":0.99902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4505907893180847},{"word":"too","start":1630.88,"end":1631.36,"confidence":1.0,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4405916929244995},{"word":"bye","start":1631.36,"end":1631.86,"confidence":0.9941406,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.22562441229820251}],"paragraphs":{"transcript":"\nGood afternoon. This is Veronica from Financial. Hey. How are you? Yeah.\n\nI'm good. Thank you. I had you booked in just to go over the strategy recommendations in regards to your superannuation investment. Is that still a good time for you? Yeah.\n\nOkay. Perfect. It shouldn't take too long. But before I do kind of jump in, just to be sure, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nAnd just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how's your day been so far? I've been busy.\n\nSo yes. Yeah. Like I said, I'll tryna keep it pretty quick for you. It is fairly straightforward today. Do you have access to your emails at the moment or or not really while you're at work?\n\nNo. That's okay. Okay. No. That's okay.\n\nSure. Yeah. Yeah. That's okay. Yes.\n\nAbout a minute ago. So it should be yeah. Can be spam as well potentially if it's not there. Yes. But only after I've gone through the recommendation if you're happy to do so.\n\nAnd it will still allow you to read it. So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything. And if you don't have time to obviously fully read it right now, it's okay. You can go back and have a read over it when you're not at work and have a bit more time as well. But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now.\n\nAnd then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well. So let me know if you can see the cover page Where's the statement over the place? Yep. Perfect. Now it is pretty straightforward.\n\nIt is 34 pages, but a lot of it is just for compliance purposes so that you understand everything. And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you. But I'll try to keep it as as quick as I can and cover the main points. But, basically, it has been tailored specifically for you, and it is my recommendation. But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not.\n\nOn the cover page, you can also see my details listed. You can see my authorized representative number, and I am licensed under OCU Financial. Now second page talks about the best interest duty. You may have heard of that before. But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.\n\nOtherwise, we can't actually make the recommendation. Does that make sense? Yep. Perfect. Now as you scroll through, you will see a couple of pages in regards to scoping in and scoping out.\n\nBasically, what that refers to is the areas we are touching on today. So like I said, pretty straightforward. The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees. And I've also just included estate planning in regards to your insurances, making sure that's also set up. We have everything for your superannuation, but just included that for your insurance as well.\n\nOkay? Yep. Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today. Now if you can scroll down to page let's see here. 10 for me.\n\nIt should talk about your risk profile. Yep. So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio. You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible. So I have not made a change in regards to that.\n\nWe're keeping you in a high growth for you. Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive. Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time. Make sense? Yep.\n\nNow what that actually looks like in terms of the recommendation is if you wanna scroll to page 12. This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments. So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out. So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation. But for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well.\n\nSo for the time being, I have recommended that we just change over some of the investments. Now I usually find the best way to have a look at it. So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you. You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered. But I usually find the best way to look at it is if you want to scroll down to page 15 for me first.\n\nAnd you should have a fee comparison table. Can you see that? Yep. Perfect. So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it.\n\nBut like I said, I have recommended that you stay in Hub 24 and change your investment. Now what that actually looks like, you can see the change here. So you can see that the investment fee is actually reduced by quite a lot by changing your investment. So it will save you about $384 per year in just investment fees alone. Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550.\n\nCan you see that? Like, the first row where it says balance. The difference column. Yep. Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable.\n\nSo that's the same in a super environment when you sell investments. So I've tried to keep this as little as possible for you. Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635. So I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position. It is something I want you to be mindful of, though, and it does fluctuate on a daily.\n\nObviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change. So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that. Does that make sense? Yep. Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average.\n\nSo even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit. Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average. Because using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period. Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great. So that's why we like to use a five year rolling average when we are looking at forecasting and historical Yeah.\n\nDoes that make sense? Yeah. Do you have any questions in regards to this table otherwise? No. No.\n\nThat's okay. Yeah. No. That's perfectly fine. Now on your scroll to the next page, you can then see things forecasted for five and ten years.\n\nSo you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same. It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term. Now you can also see the table underneath it. I have included a bit more in regards to the historical returns. So you can see twelve months, three years, five years, and ten years.\n\nAnd you can see that across all time frames, the recommended has still outperformed your current portfolio. Makes sense? Yep. Perfect. Now what that actually looks like in terms of the recommended investment changes is outlined on page 17.\n\nYou should have a investment table. It might be a little bit tricky on the phone, but, essentially, what it is, you can see all the investments. You can see the little special code associated with them. You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column. So everything in red is what we are looking at selling, and black is what we are buying.\n\nNow you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure. So you can see that we are not changing all of the investments, just a couple. Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed. So we're still using that core satellite approach to investing. Have you ever heard of that before?\n\nNo. Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified. So these are like your biggest shareholding. So you can see, for example, at 35%, you have the iShares S and P 500. You already have that in your portfolio before.\n\nWe are just increasing the allocation a little bit. Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment. So, obviously, very diversified. It gives you good exposure. Another one is your 25% at the beta shares Australia 200.\n\nNow this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio. That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market. That one here basically invests in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, very diversified, and that is why they have the higher allocation allocated to them.\n\nNow what the other investments are is what we then call your satellite investment. Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you. But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments. Does that make sense so far? Yeah.\n\nPerfect. So you can see we are keeping, for example, beta share cybersecurity in your portfolio. Just increasing it just slightly to 6%. Same with the iShares Europe. You already have that in your portfolio.\n\nAgain, just increasing it a little bit to 9%. We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US. We wanna give you good diversification. That also comes into play, the one underneath it, which is your Vanguard All World. Now you may have heard of Vanguard before.\n\nThey're quite big. But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500. And we don't wanna have two overexposure into one market either. Does that make sense? Yep.\n\nAnd now we also then have your your defensive investment. So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page. You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest. So, again, trying to limit fluctuation, and that basically gives you the portfolio. Now if you wanted to, when you have a bit more time, go and read up on these investments as well.\n\nIn the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments. So full transparency, so you can go and have a look at them if you would like to as well. Now you will also see just the cash account on the same page 18. With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything. So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth.\n\nSo we have to keep about a minimum of that 1.25 in hub 24 for you. Any questions so far? Nope. Now very much, which is why I want you as well, especially when you're not at work, to take some time. The document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it.\n\nAnd if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up to go through it. And that's why there is so much it's quite wordy, this document, and it is to allow you the opportunity as well. So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well. Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table. Can you see that?\n\nYep. So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations. You can see your existing portfolio and then the proposed. But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio. Does that make sense?\n\nYep. And the last thing is just in regards to your beneficiary. So like I said, we have everything sorted for your superannuation, which is fantastic. I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up. So if something were to happen to you, that it would go to your partner.\n\nYep. Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track. Now the last thing is just in regards to the ongoing advice fee.\n\nSo if you wanna scroll down to page 29 for me. Yep. So like I mentioned during the under review, there is no changes in regards to the fee structure. It stays exactly the same at 1.65 from Super. There is no additional fees and charges for, obviously, this advice.\n\nAnd if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that. It's also not a lock in contract. So if at any point in time, you are not happy. It is not a lock in contract. We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations.\n\nBut then, also, if you're not it's like a a full commitment for a full year as well. It is just deducted monthly for you. Makes sense? Yep. Now I have also just shown you the Clearview insurances.\n\nSo with insurances, we do get commission, which is 22% of the premium ongoing. Now that is Clearview paying us, though. It is not you paying us. But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that. Yep.\n\nDo you have any questions in regards to any of that so far? No. Perfect. And that basically summarizes everything. So on the next couple of pages, it just shows you the authority to proceed.\n\nAnd that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination. But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document. If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through. If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now. Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation.\n\nNow do you have any questions before I let you go back to work otherwise? Mhmm. Correct. Correct. I do ask if it's possible for you to email me just so that I know that you have made a decision.\n\nSo whether you email me and just say, hey. I've decided not to go ahead. That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide. But, yes, the choice is completely yours. If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you.\n\nYep. What do you mean what you're currently on? Yes. So yeah. No.\n\nSo when you went back up to that table so first on the investments, you will see it in that investment table switch. You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly. Let me just I'll just scroll up just so I can tell you for sure. Yes. Correct.\n\nSo you can see the the column versus current weight. So that is what you are currently in. So if you decide you don't wanna change, that stays the same. If you then scroll back to page 15, you can see the current column. So that is all your current fees and the current returns and everything.\n\nSo, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation. Yep. And that's the same with that table on page 16. You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments. Yep.\n\nDoes does that answer that question for you? Yeah. Perfect. No. That's okay.\n\nSo I will let you go and get back to work. I know there's a lot to process, so so take your time. Any questions, just let me know what you want to do at the end the day. And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you. No worries.\n\nNo. That is no problem at all. It was lovely speaking with you today, and thank you so much for your time. And I hope you enjoy the rest of your afternoon. Thank you so much.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":7.2799997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.2438613548874855},{"text":"This is Veronica from Financial.","start":7.9199996,"end":9.46,"sentiment":"neutral","sentiment_score":0.16580950319767},{"text":"Hey.","start":12.575001,"end":12.735001,"sentiment":"neutral","sentiment_score":0.1979483962059021},{"text":"How are you?","start":12.735001,"end":13.715,"sentiment":"neutral","sentiment_score":0.21788835525512695},{"text":"Yeah.","start":15.215,"end":15.535,"sentiment":"positive","sentiment_score":0.4920712113380432}],"sentiment":"neutral","sentiment_score":0.22170457492272058,"num_words":12,"start":7.2799997,"end":15.535},{"sentences":[{"text":"I'm good.","start":15.535,"end":16.175,"sentiment":"positive","sentiment_score":0.7122931778430939},{"text":"Thank you.","start":16.175,"end":16.915,"sentiment":"positive","sentiment_score":0.7592152953147888},{"text":"I had you booked in just to go over the strategy recommendations in regards to your superannuation investment.","start":18.015,"end":24.654999,"sentiment":"positive","sentiment_score":0.34874845378928715},{"text":"Is that still a good time for you?","start":24.654999,"end":26.37,"sentiment":"neutral","sentiment_score":0.26318252459168434},{"text":"Yeah.","start":27.570002,"end":27.890001,"sentiment":"neutral","sentiment_score":0.10975616425275804}],"sentiment":"positive","sentiment_score":0.36889372501642476,"num_words":31,"start":15.535,"end":27.890001},{"sentences":[{"text":"Okay.","start":27.890001,"end":28.390001,"sentiment":"neutral","sentiment_score":0.17954427003860474},{"text":"Perfect.","start":28.45,"end":28.95,"sentiment":"positive","sentiment_score":0.4270353615283966},{"text":"It shouldn't take too long.","start":29.01,"end":31.03,"sentiment":"neutral","sentiment_score":0.2930110275745392},{"text":"But before I do kind of jump in, just to be sure, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.25,"end":39.99,"sentiment":"neutral","sentiment_score":0.1028691687141404},{"text":"Perfect.","start":42.045,"end":42.545,"sentiment":"positive","sentiment_score":0.41660913825035095}],"sentiment":"neutral","sentiment_score":0.14348601159162638,"num_words":41,"start":27.890001,"end":42.545},{"sentences":[{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":42.765,"end":52.305,"sentiment":"neutral","sentiment_score":0.13022753153927624},{"text":"Yep.","start":52.47,"end":52.97,"sentiment":"neutral","sentiment_score":0.04071704298257828},{"text":"Perfect.","start":63.27,"end":63.77,"sentiment":"neutral","sentiment_score":0.30709296464920044},{"text":"And how's your day been so far?","start":63.91,"end":65.43,"sentiment":"neutral","sentiment_score":0.1584657547729356},{"text":"I've been busy.","start":65.43,"end":66.25,"sentiment":"neutral","sentiment_score":-0.24312100311120352}],"sentiment":"neutral","sentiment_score":0.11124973388558085,"num_words":44,"start":42.765,"end":66.25},{"sentences":[{"text":"So yes.","start":69.825005,"end":70.405,"sentiment":"neutral","sentiment_score":-0.047912501730024815},{"text":"Yeah.","start":71.985,"end":72.385,"sentiment":"neutral","sentiment_score":0.0061896685510873795},{"text":"Like I said, I'll tryna keep it pretty quick for you.","start":72.385,"end":74.785,"sentiment":"neutral","sentiment_score":0.16211274096911604},{"text":"It is fairly straightforward today.","start":74.785,"end":76.725,"sentiment":"neutral","sentiment_score":0.2948490470647812},{"text":"Do you have access to your emails at the moment or or not really while you're at work?","start":78.305,"end":82.65,"sentiment":"neutral","sentiment_score":-0.013947106897830963}],"sentiment":"neutral","sentiment_score":0.0788324899166017,"num_words":37,"start":69.825005,"end":82.65},{"sentences":[{"text":"No.","start":85.770004,"end":85.93,"sentiment":"neutral","sentiment_score":-0.15014810860157013},{"text":"That's okay.","start":85.93,"end":86.83,"sentiment":"neutral","sentiment_score":-0.07563162408769131},{"text":"Okay.","start":90.090004,"end":90.590004,"sentiment":"neutral","sentiment_score":-0.07728017866611481},{"text":"No.","start":94.090004,"end":94.590004,"sentiment":"neutral","sentiment_score":-0.1297941952943802},{"text":"That's okay.","start":94.65,"end":95.55,"sentiment":"neutral","sentiment_score":-0.08658377453684807}],"sentiment":"neutral","sentiment_score":-0.09737903997302055,"num_words":7,"start":85.770004,"end":95.55},{"sentences":[{"text":"Sure.","start":100.365,"end":100.865,"sentiment":"neutral","sentiment_score":-0.00017428770661354065},{"text":"Yeah.","start":103.965,"end":104.465,"sentiment":"neutral","sentiment_score":-0.00606031809002161},{"text":"Yeah.","start":106.125,"end":106.445,"sentiment":"neutral","sentiment_score":0.015494531020522118},{"text":"That's okay.","start":106.445,"end":107.265,"sentiment":"neutral","sentiment_score":0.030786768533289433},{"text":"Yes.","start":121.674995,"end":121.994995,"sentiment":"neutral","sentiment_score":-0.02127976343035698}],"sentiment":"neutral","sentiment_score":0.008258949810018143,"num_words":6,"start":100.365,"end":121.994995},{"sentences":[{"text":"About a minute ago.","start":121.994995,"end":123.695,"sentiment":"neutral","sentiment_score":-0.059871901758015156},{"text":"So it should be yeah.","start":124.954994,"end":127.454994,"sentiment":"neutral","sentiment_score":-0.10024841129779816},{"text":"Can be spam as well potentially if it's not there.","start":129.275,"end":132.175,"sentiment":"neutral","sentiment_score":-0.303520168364048},{"text":"Yes.","start":141.93001,"end":142.25,"sentiment":"neutral","sentiment_score":0.018846936523914337},{"text":"But only after I've gone through the recommendation if you're happy to do so.","start":142.25,"end":145.875,"sentiment":"neutral","sentiment_score":0.03720473391669137}],"sentiment":"neutral","sentiment_score":-0.09518288634717464,"num_words":34,"start":121.994995,"end":145.875},{"sentences":[{"text":"And it will still allow you to read it.","start":147.075,"end":149.815,"sentiment":"positive","sentiment_score":0.4049160016907586},{"text":"So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything.","start":150.355,"end":158.595,"sentiment":"positive","sentiment_score":0.3404296434351376},{"text":"And if you don't have time to obviously fully read it right now, it's okay.","start":158.595,"end":162.51999,"sentiment":"positive","sentiment_score":0.3432592997948329},{"text":"You can go back and have a read over it when you're not at work and have a bit more time as well.","start":162.98,"end":167.56,"sentiment":"positive","sentiment_score":0.45162512426790985},{"text":"But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now.","start":168.18,"end":174.495,"sentiment":"positive","sentiment_score":0.4838990489641825}],"sentiment":"positive","sentiment_score":0.4117096462420055,"num_words":105,"start":147.075,"end":174.495},{"sentences":[{"text":"And then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well.","start":174.55501,"end":179.855,"sentiment":"positive","sentiment_score":0.4414253097314101},{"text":"So let me know if you can see the cover page Where's the statement over the place?","start":182.475,"end":192.04001,"sentiment":"neutral","sentiment_score":0.03470952896510854},{"text":"Yep.","start":194.18001,"end":194.68001,"sentiment":"neutral","sentiment_score":0.25271135568618774},{"text":"Perfect.","start":194.82,"end":195.32,"sentiment":"positive","sentiment_score":0.5858665108680725},{"text":"Now it is pretty straightforward.","start":196.5,"end":197.88,"sentiment":"positive","sentiment_score":0.5051526069641114}],"sentiment":"neutral","sentiment_score":0.3086292189359665,"num_words":50,"start":174.55501,"end":197.88},{"sentences":[{"text":"It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything.","start":198.18001,"end":203.8,"sentiment":"neutral","sentiment_score":0.29860014664499385},{"text":"And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you.","start":204.235,"end":213.295,"sentiment":"neutral","sentiment_score":0.3118170563663755},{"text":"But I'll try to keep it as as quick as I can and cover the main points.","start":213.75499,"end":217.775,"sentiment":"neutral","sentiment_score":0.3225136188899769},{"text":"But, basically, it has been tailored specifically for you, and it is my recommendation.","start":218.67,"end":223.48999,"sentiment":"positive","sentiment_score":0.37506527666534695},{"text":"But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not.","start":223.79,"end":229.41,"sentiment":"neutral","sentiment_score":0.25401658163620877}],"sentiment":"neutral","sentiment_score":0.3052149700144163,"num_words":104,"start":198.18001,"end":229.41},{"sentences":[{"text":"On the cover page, you can also see my details listed.","start":230.205,"end":233.245,"sentiment":"neutral","sentiment_score":0.11279673671180551},{"text":"You can see my authorized representative number, and I am licensed under OCU Financial.","start":233.245,"end":238.385,"sentiment":"neutral","sentiment_score":0.10793416255286761},{"text":"Now second page talks about the best interest duty.","start":240.36499,"end":243.98,"sentiment":"neutral","sentiment_score":0.042844305435816445},{"text":"You may have heard of that before.","start":243.98,"end":246.15999,"sentiment":"neutral","sentiment_score":0.0281880721449852},{"text":"But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":247.34,"end":257.68,"sentiment":"neutral","sentiment_score":0.07026010433978894}],"sentiment":"neutral","sentiment_score":0.07631468241413435,"num_words":75,"start":230.205,"end":257.68},{"sentences":[{"text":"Otherwise, we can't actually make the recommendation.","start":258.125,"end":260.38498,"sentiment":"neutral","sentiment_score":-0.1208839767745563},{"text":"Does that make sense?","start":260.76498,"end":261.905,"sentiment":"neutral","sentiment_score":0.03132252302020788},{"text":"Yep.","start":263.005,"end":263.505,"sentiment":"neutral","sentiment_score":0.14564070105552673},{"text":"Perfect.","start":263.645,"end":264.145,"sentiment":"positive","sentiment_score":0.3735676109790802},{"text":"Now as you scroll through, you will see a couple of pages in regards to scoping in and scoping out.","start":264.60498,"end":273.46002,"sentiment":"neutral","sentiment_score":0.07756474185734988}],"sentiment":"neutral","sentiment_score":0.04089713344971339,"num_words":33,"start":258.125,"end":273.46002},{"sentences":[{"text":"Basically, what that refers to is the areas we are touching on today.","start":273.68002,"end":277.7,"sentiment":"neutral","sentiment_score":0.06748018514078397},{"text":"So like I said, pretty straightforward.","start":277.84003,"end":279.54,"sentiment":"positive","sentiment_score":0.38533884783585864},{"text":"The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees.","start":280.40002,"end":295.615,"sentiment":"positive","sentiment_score":0.5862376235033336},{"text":"And I've also just included estate planning in regards to your insurances, making sure that's also set up.","start":295.615,"end":302.94,"sentiment":"positive","sentiment_score":0.4667052510711882},{"text":"We have everything for your superannuation, but just included that for your insurance as well.","start":303.42,"end":308.86002,"sentiment":"positive","sentiment_score":0.3856596430142721}],"sentiment":"positive","sentiment_score":0.4405766039051943,"num_words":90,"start":273.68002,"end":308.86002},{"sentences":[{"text":"Okay?","start":308.86002,"end":309.36002,"sentiment":"neutral","sentiment_score":0.16530431807041168},{"text":"Yep.","start":310.78,"end":311.28,"sentiment":"neutral","sentiment_score":0.15982338786125183},{"text":"Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today.","start":311.5,"end":320.905,"sentiment":"neutral","sentiment_score":-0.16432049910404853},{"text":"Now if you can scroll down to page let's see here.","start":322.565,"end":328.265,"sentiment":"neutral","sentiment_score":0.027541574090719223},{"text":"10 for me.","start":329.125,"end":330.165,"sentiment":"neutral","sentiment_score":0.028404129669070244}],"sentiment":"neutral","sentiment_score":-0.08835628556764939,"num_words":44,"start":308.86002,"end":330.165},{"sentences":[{"text":"It should talk about your risk profile.","start":330.165,"end":332.345,"sentiment":"neutral","sentiment_score":0.023242094154868807},{"text":"Yep.","start":334.27,"end":334.77,"sentiment":"neutral","sentiment_score":0.18534696102142337},{"text":"So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio.","start":334.99,"end":346.57498,"sentiment":"positive","sentiment_score":0.364433299629919},{"text":"You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible.","start":347.115,"end":354.895,"sentiment":"positive","sentiment_score":0.4513611387122761},{"text":"So I have not made a change in regards to that.","start":356.07498,"end":359.115,"sentiment":"neutral","sentiment_score":-0.08772314339876175}],"sentiment":"neutral","sentiment_score":0.2862564497627318,"num_words":72,"start":330.165,"end":359.115},{"sentences":[{"text":"We're keeping you in a high growth for you.","start":359.115,"end":361.65,"sentiment":"positive","sentiment_score":0.5484411617120107},{"text":"Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive.","start":361.97,"end":380.775,"sentiment":"neutral","sentiment_score":0.236160927093946},{"text":"Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time.","start":380.995,"end":389.735,"sentiment":"neutral","sentiment_score":0.2877243161201477},{"text":"Make sense?","start":392.0,"end":392.74,"sentiment":"neutral","sentiment_score":0.11482638120651245},{"text":"Yep.","start":393.84,"end":394.34,"sentiment":"neutral","sentiment_score":0.13345865905284882}],"sentiment":"neutral","sentiment_score":0.2856409985430633,"num_words":79,"start":359.115,"end":394.34},{"sentences":[{"text":"Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12.","start":394.64,"end":400.58,"sentiment":"neutral","sentiment_score":0.13641943743354396},{"text":"This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments.","start":401.44,"end":410.83502,"sentiment":"neutral","sentiment_score":0.1641298465075947},{"text":"So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out.","start":411.135,"end":424.19,"sentiment":"neutral","sentiment_score":0.23501015697484431},{"text":"So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation.","start":424.19,"end":431.92502,"sentiment":"neutral","sentiment_score":0.3225895008072257},{"text":"But for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well.","start":432.625,"end":445.62,"sentiment":"positive","sentiment_score":0.6009816323007856}],"sentiment":"neutral","sentiment_score":0.3146597824733833,"num_words":145,"start":394.64,"end":445.62},{"sentences":[{"text":"So for the time being, I have recommended that we just change over some of the investments.","start":446.9,"end":451.96,"sentiment":"positive","sentiment_score":0.3969084077021655},{"text":"Now I usually find the best way to have a look at it.","start":453.06,"end":457.22,"sentiment":"positive","sentiment_score":0.5069708709533398},{"text":"So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you.","start":457.22,"end":471.6,"sentiment":"positive","sentiment_score":0.5397280883498308},{"text":"You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered.","start":472.08002,"end":479.78,"sentiment":"neutral","sentiment_score":0.15353538064906994},{"text":"But I usually find the best way to look at it is if you want to scroll down to page 15 for me first.","start":480.32,"end":486.34,"sentiment":"neutral","sentiment_score":0.33304666851957637}],"sentiment":"positive","sentiment_score":0.40905905107810964,"num_words":113,"start":446.9,"end":486.34},{"sentences":[{"text":"And you should have a fee comparison table.","start":489.47498,"end":492.435,"sentiment":"neutral","sentiment_score":0.25476340763270855},{"text":"Can you see that?","start":492.435,"end":493.57498,"sentiment":"neutral","sentiment_score":0.10872059874236584},{"text":"Yep.","start":494.995,"end":495.395,"sentiment":"neutral","sentiment_score":0.3277226686477661},{"text":"Perfect.","start":495.395,"end":495.875,"sentiment":"positive","sentiment_score":0.6996954679489136},{"text":"So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it.","start":495.875,"end":501.57,"sentiment":"neutral","sentiment_score":0.3308218259077806}],"sentiment":"neutral","sentiment_score":0.30254438165575265,"num_words":40,"start":489.47498,"end":501.57},{"sentences":[{"text":"But like I said, I have recommended that you stay in Hub 24 and change your investment.","start":501.81,"end":507.03,"sentiment":"neutral","sentiment_score":0.3251751415869769},{"text":"Now what that actually looks like, you can see the change here.","start":507.89,"end":512.23,"sentiment":"positive","sentiment_score":0.33681321144104004},{"text":"So you can see that the investment fee is actually reduced by quite a lot by changing your investment.","start":512.45,"end":519.745,"sentiment":"positive","sentiment_score":0.6903750206294813},{"text":"So it will save you about $384 per year in just investment fees alone.","start":520.04504,"end":527.585,"sentiment":"positive","sentiment_score":0.6739972063473293},{"text":"Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550.","start":529.70996,"end":537.70996,"sentiment":"neutral","sentiment_score":0.028509278914758136}],"sentiment":"positive","sentiment_score":0.39423514556992484,"num_words":83,"start":501.81,"end":537.70996},{"sentences":[{"text":"Can you see that?","start":537.70996,"end":538.76996,"sentiment":"neutral","sentiment_score":0.006883013527840376},{"text":"Like, the first row where it says balance.","start":542.285,"end":544.785,"sentiment":"neutral","sentiment_score":0.000045041320845484734},{"text":"The difference column.","start":551.725,"end":553.02496,"sentiment":"neutral","sentiment_score":5.427127083142598e-6},{"text":"Yep.","start":554.94995,"end":555.44995,"sentiment":"neutral","sentiment_score":0.11726422607898712},{"text":"Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable.","start":555.58997,"end":565.20996,"sentiment":"neutral","sentiment_score":-0.009841365367174148}],"sentiment":"neutral","sentiment_score":-0.0014348448668089178,"num_words":36,"start":537.70996,"end":565.20996},{"sentences":[{"text":"So that's the same in a super environment when you sell investments.","start":566.32495,"end":570.745,"sentiment":"neutral","sentiment_score":0.14603319329520068},{"text":"So I've tried to keep this as little as possible for you.","start":571.445,"end":575.445,"sentiment":"neutral","sentiment_score":0.11464152485132217},{"text":"Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635.","start":575.445,"end":588.52,"sentiment":"neutral","sentiment_score":0.04177808965886793},{"text":"So I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position.","start":588.89996,"end":598.115,"sentiment":"positive","sentiment_score":0.3844528765018497},{"text":"It is something I want you to be mindful of, though, and it does fluctuate on a daily.","start":598.735,"end":603.375,"sentiment":"neutral","sentiment_score":0.03884714386529393}],"sentiment":"neutral","sentiment_score":0.15729848048326991,"num_words":101,"start":566.32495,"end":603.375},{"sentences":[{"text":"Obviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change.","start":603.375,"end":615.81,"sentiment":"neutral","sentiment_score":0.1201882810642322},{"text":"So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that.","start":616.03,"end":622.725,"sentiment":"neutral","sentiment_score":0.13201711068932825},{"text":"Does that make sense?","start":622.805,"end":625.20496,"sentiment":"neutral","sentiment_score":0.20426081120967865},{"text":"Yep.","start":625.20496,"end":625.70496,"sentiment":"neutral","sentiment_score":0.1845683306455612},{"text":"Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average.","start":626.40497,"end":635.94,"sentiment":"neutral","sentiment_score":0.24781853457291922}],"sentiment":"neutral","sentiment_score":0.17004682332441046,"num_words":91,"start":603.375,"end":635.94},{"sentences":[{"text":"So even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit.","start":636.5,"end":646.04,"sentiment":"positive","sentiment_score":0.37016400356184354},{"text":"Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average.","start":646.26,"end":656.72504,"sentiment":"neutral","sentiment_score":0.057985111229842706},{"text":"Because using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period.","start":657.34503,"end":668.75,"sentiment":"neutral","sentiment_score":0.15897663069121978},{"text":"Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great.","start":668.75,"end":677.17,"sentiment":"neutral","sentiment_score":0.03265223625515189},{"text":"So that's why we like to use a five year rolling average when we are looking at forecasting and historical Yeah.","start":677.565,"end":685.405,"sentiment":"neutral","sentiment_score":0.21501175278709048}],"sentiment":"neutral","sentiment_score":0.15276368671809049,"num_words":136,"start":636.5,"end":685.405},{"sentences":[{"text":"Does that make sense?","start":685.405,"end":686.625,"sentiment":"neutral","sentiment_score":0.1713004782795906},{"text":"Yeah.","start":687.965,"end":688.285,"sentiment":"neutral","sentiment_score":0.06110674142837525},{"text":"Do you have any questions in regards to this table otherwise?","start":688.285,"end":691.585,"sentiment":"neutral","sentiment_score":0.008732443844730204},{"text":"No.","start":695.5,"end":695.74,"sentiment":"neutral","sentiment_score":-0.20492470264434817},{"text":"No.","start":695.74,"end":696.06,"sentiment":"neutral","sentiment_score":-0.2182483077049255}],"sentiment":"neutral","sentiment_score":0.023288473693860903,"num_words":18,"start":685.405,"end":696.06},{"sentences":[{"text":"That's okay.","start":696.06,"end":696.8,"sentiment":"neutral","sentiment_score":-0.17112352699041367},{"text":"Yeah.","start":698.13995,"end":698.63995,"sentiment":"neutral","sentiment_score":0.002606667578220367},{"text":"No.","start":699.42,"end":699.92,"sentiment":"neutral","sentiment_score":-0.01715950295329094},{"text":"That's perfectly fine.","start":700.13995,"end":701.75995,"sentiment":"neutral","sentiment_score":0.19569636384646097},{"text":"Now on your scroll to the next page, you can then see things forecasted for five and ten years.","start":702.06,"end":709.135,"sentiment":"neutral","sentiment_score":0.13354667864347758}],"sentiment":"neutral","sentiment_score":0.1064490806311369,"num_words":26,"start":696.06,"end":709.135},{"sentences":[{"text":"So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same.","start":709.755,"end":725.1,"sentiment":"neutral","sentiment_score":0.24436903069185656},{"text":"It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.","start":725.1,"end":738.995,"sentiment":"positive","sentiment_score":0.5523157957437876},{"text":"Now you can also see the table underneath it.","start":740.255,"end":743.315,"sentiment":"neutral","sentiment_score":0.2665023124880261},{"text":"I have included a bit more in regards to the historical returns.","start":743.535,"end":747.475,"sentiment":"neutral","sentiment_score":0.22830864787101746},{"text":"So you can see twelve months, three years, five years, and ten years.","start":747.615,"end":752.92,"sentiment":"neutral","sentiment_score":0.2700308653024527}],"sentiment":"positive","sentiment_score":0.34729981226356405,"num_words":114,"start":709.755,"end":752.92},{"sentences":[{"text":"And you can see that across all time frames, the recommended has still outperformed your current portfolio.","start":752.98,"end":760.04,"sentiment":"positive","sentiment_score":0.43927446533651915},{"text":"Makes sense?","start":762.675,"end":763.415,"sentiment":"neutral","sentiment_score":0.18250161409378052},{"text":"Yep.","start":764.675,"end":765.15497,"sentiment":"neutral","sentiment_score":0.2782564163208008},{"text":"Perfect.","start":765.15497,"end":765.65497,"sentiment":"positive","sentiment_score":0.5414141416549683},{"text":"Now what that actually looks like in terms of the recommended investment changes is outlined on page 17.","start":766.995,"end":775.575,"sentiment":"neutral","sentiment_score":0.18913422856065962}],"sentiment":"neutral","sentiment_score":0.30914758489682126,"num_words":39,"start":752.98,"end":775.575},{"sentences":[{"text":"You should have a investment table.","start":776.68005,"end":779.74005,"sentiment":"neutral","sentiment_score":0.06736391348143418},{"text":"It might be a little bit tricky on the phone, but, essentially, what it is, you can see all the investments.","start":780.04004,"end":786.38,"sentiment":"neutral","sentiment_score":0.03041349865850948},{"text":"You can see the little special code associated with them.","start":787.16003,"end":790.46,"sentiment":"neutral","sentiment_score":0.09765376746654511},{"text":"You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column.","start":790.60004,"end":802.625,"sentiment":"neutral","sentiment_score":0.09244873960103307},{"text":"So everything in red is what we are looking at selling, and black is what we are buying.","start":803.085,"end":810.07996,"sentiment":"neutral","sentiment_score":0.10672585542003314}],"sentiment":"neutral","sentiment_score":0.07973528789977233,"num_words":90,"start":776.68005,"end":810.07996},{"sentences":[{"text":"Now you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure.","start":810.86,"end":817.6,"sentiment":"neutral","sentiment_score":0.11777029037475586},{"text":"So you can see that we are not changing all of the investments, just a couple.","start":818.13995,"end":824.215,"sentiment":"neutral","sentiment_score":-0.0333976661786437},{"text":"Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed.","start":825.075,"end":832.215,"sentiment":"neutral","sentiment_score":0.0003122259911737944},{"text":"So we're still using that core satellite approach to investing.","start":832.76,"end":836.7,"sentiment":"neutral","sentiment_score":0.0927018377929926},{"text":"Have you ever heard of that before?","start":836.92,"end":838.46,"sentiment":"neutral","sentiment_score":0.03281415945717266}],"sentiment":"neutral","sentiment_score":0.04639668036977966,"num_words":77,"start":810.86,"end":838.46},{"sentences":[{"text":"No.","start":840.12,"end":840.62,"sentiment":"neutral","sentiment_score":-0.042538922280073166},{"text":"Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified.","start":840.68,"end":857.105,"sentiment":"neutral","sentiment_score":0.12406641397286546},{"text":"So these are like your biggest shareholding.","start":857.96497,"end":860.225,"sentiment":"neutral","sentiment_score":0.1818644745009286},{"text":"So you can see, for example, at 35%, you have the iShares S and P 500.","start":860.61,"end":867.43,"sentiment":"neutral","sentiment_score":0.14012199128046632},{"text":"You already have that in your portfolio before.","start":867.49,"end":870.47,"sentiment":"neutral","sentiment_score":0.0816488591954112}],"sentiment":"neutral","sentiment_score":0.12611285984320075,"num_words":76,"start":840.12,"end":870.47},{"sentences":[{"text":"We are just increasing the allocation a little bit.","start":870.85,"end":874.55,"sentiment":"neutral","sentiment_score":0.1577240659130944},{"text":"Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment.","start":875.245,"end":886.305,"sentiment":"neutral","sentiment_score":0.2422100418600543},{"text":"So, obviously, very diversified.","start":886.84503,"end":888.385,"sentiment":"positive","sentiment_score":0.46609098464250565},{"text":"It gives you good exposure.","start":888.765,"end":890.145,"sentiment":"positive","sentiment_score":0.572469437122345},{"text":"Another one is your 25% at the beta shares Australia 200.","start":891.57,"end":898.47,"sentiment":"neutral","sentiment_score":0.15856721319935538}],"sentiment":"neutral","sentiment_score":0.2571475564919669,"num_words":58,"start":870.85,"end":898.47},{"sentences":[{"text":"Now this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio.","start":899.08997,"end":906.41504,"sentiment":"neutral","sentiment_score":-0.03154144380241632},{"text":"That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market.","start":906.41504,"end":913.715,"sentiment":"neutral","sentiment_score":-0.03392454998000809},{"text":"That one here basically invests in the 200 largest companies listed in Australia.","start":914.655,"end":919.875,"sentiment":"neutral","sentiment_score":0.11305740876839711},{"text":"So you'll have all the big companies like Commonwealth and BHP and Woolworths.","start":920.24,"end":924.74,"sentiment":"neutral","sentiment_score":0.16229523030611184},{"text":"So, again, very diversified, and that is why they have the higher allocation allocated to them.","start":924.8,"end":931.94,"sentiment":"neutral","sentiment_score":0.2944780858233571}],"sentiment":"neutral","sentiment_score":0.08094282535945668,"num_words":85,"start":899.08997,"end":931.94},{"sentences":[{"text":"Now what the other investments are is what we then call your satellite investment.","start":932.975,"end":939.235,"sentiment":"neutral","sentiment_score":0.0792172301028456},{"text":"Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you.","start":940.095,"end":955.61,"sentiment":"neutral","sentiment_score":0.10501881912350655},{"text":"But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments.","start":956.07,"end":963.695,"sentiment":"neutral","sentiment_score":-0.022567147227085155},{"text":"Does that make sense so far?","start":963.995,"end":965.53503,"sentiment":"neutral","sentiment_score":0.06622918012241523},{"text":"Yeah.","start":966.875,"end":967.35504,"sentiment":"neutral","sentiment_score":0.23708350956439972}],"sentiment":"neutral","sentiment_score":0.06202676069415823,"num_words":79,"start":932.975,"end":967.35504},{"sentences":[{"text":"Perfect.","start":967.35504,"end":967.835,"sentiment":"positive","sentiment_score":0.40255069732666016},{"text":"So you can see we are keeping, for example, beta share cybersecurity in your portfolio.","start":967.835,"end":973.455,"sentiment":"neutral","sentiment_score":0.22371284166971842},{"text":"Just increasing it just slightly to 6%.","start":973.995,"end":977.135,"sentiment":"neutral","sentiment_score":0.20474764917578017},{"text":"Same with the iShares Europe.","start":978.45,"end":980.37,"sentiment":"neutral","sentiment_score":0.16058401465415956},{"text":"You already have that in your portfolio.","start":980.37,"end":982.63,"sentiment":"neutral","sentiment_score":0.20970959961414337}],"sentiment":"neutral","sentiment_score":0.21321040391921997,"num_words":35,"start":967.35504,"end":982.63},{"sentences":[{"text":"Again, just increasing it a little bit to 9%.","start":983.08997,"end":986.95,"sentiment":"neutral","sentiment_score":0.18815712134043375},{"text":"We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US.","start":988.29,"end":1002.925,"sentiment":"neutral","sentiment_score":0.2574545475654304},{"text":"We wanna give you good diversification.","start":1003.225,"end":1004.845,"sentiment":"positive","sentiment_score":0.3637479444344838},{"text":"That also comes into play, the one underneath it, which is your Vanguard All World.","start":1006.77,"end":1011.83,"sentiment":"neutral","sentiment_score":0.16927370031674702},{"text":"Now you may have heard of Vanguard before.","start":1012.13,"end":1014.29,"sentiment":"neutral","sentiment_score":0.04779186495579779}],"sentiment":"neutral","sentiment_score":0.21479839578803098,"num_words":70,"start":983.08997,"end":1014.29},{"sentences":[{"text":"They're quite big.","start":1014.29,"end":1015.43,"sentiment":"neutral","sentiment_score":0.07260225216547649},{"text":"But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500.","start":1015.65,"end":1030.925,"sentiment":"neutral","sentiment_score":0.07196184247732162},{"text":"And we don't wanna have two overexposure into one market either.","start":1031.225,"end":1035.085,"sentiment":"neutral","sentiment_score":0.000794673084535382},{"text":"Does that make sense?","start":1035.21,"end":1037.23,"sentiment":"neutral","sentiment_score":0.1355943288654089},{"text":"Yep.","start":1037.77,"end":1038.27,"sentiment":"neutral","sentiment_score":0.28499144315719604}],"sentiment":"neutral","sentiment_score":0.06636616233403661,"num_words":56,"start":1014.29,"end":1038.27},{"sentences":[{"text":"And now we also then have your your defensive investment.","start":1038.4099,"end":1042.4299,"sentiment":"neutral","sentiment_score":0.2890732631087303},{"text":"So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page.","start":1042.49,"end":1052.005,"sentiment":"neutral","sentiment_score":0.22064690615819849},{"text":"You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest.","start":1052.385,"end":1065.36,"sentiment":"neutral","sentiment_score":0.27399737139542896},{"text":"So, again, trying to limit fluctuation, and that basically gives you the portfolio.","start":1065.44,"end":1072.34,"sentiment":"positive","sentiment_score":0.34366923112135667},{"text":"Now if you wanted to, when you have a bit more time, go and read up on these investments as well.","start":1072.88,"end":1077.78,"sentiment":"neutral","sentiment_score":0.2559422566777184}],"sentiment":"neutral","sentiment_score":0.2685001212358475,"num_words":100,"start":1038.4099,"end":1077.78},{"sentences":[{"text":"In the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments.","start":1078.095,"end":1088.195,"sentiment":"neutral","sentiment_score":0.242465167091443},{"text":"So full transparency, so you can go and have a look at them if you would like to as well.","start":1088.495,"end":1093.83,"sentiment":"positive","sentiment_score":0.35898981988430023},{"text":"Now you will also see just the cash account on the same page 18.","start":1097.0299,"end":1101.61,"sentiment":"neutral","sentiment_score":0.17185974759714945},{"text":"With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything.","start":1102.07,"end":1113.735,"sentiment":"neutral","sentiment_score":0.19158291956409812},{"text":"So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth.","start":1114.035,"end":1122.39,"sentiment":"positive","sentiment_score":0.4973309116978799}],"sentiment":"neutral","sentiment_score":0.30437267396023604,"num_words":123,"start":1078.095,"end":1122.39},{"sentences":[{"text":"So we have to keep about a minimum of that 1.25 in hub 24 for you.","start":1122.39,"end":1127.4501,"sentiment":"neutral","sentiment_score":0.264764585532248},{"text":"Any questions so far?","start":1128.79,"end":1130.25,"sentiment":"neutral","sentiment_score":0.0711230244487524},{"text":"Nope.","start":1134.0851,"end":1134.5851,"sentiment":"neutral","sentiment_score":-0.10407048463821413},{"text":"Now very much, which is why I want you as well, especially when you're not at work, to take some time.","start":1135.285,"end":1145.4651,"sentiment":"neutral","sentiment_score":0.03983738486255918},{"text":"The document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it.","start":1145.8451,"end":1154.0901,"sentiment":"neutral","sentiment_score":0.32988596764894634}],"sentiment":"neutral","sentiment_score":0.20338640033322222,"num_words":68,"start":1122.39,"end":1154.0901},{"sentences":[{"text":"And if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up to go through it.","start":1154.0901,"end":1162.03,"sentiment":"neutral","sentiment_score":0.21979173611510883},{"text":"And that's why there is so much it's quite wordy, this document, and it is to allow you the opportunity as well.","start":1162.5851,"end":1169.3251,"sentiment":"neutral","sentiment_score":0.20457484810189766},{"text":"So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well.","start":1169.4651,"end":1175.82,"sentiment":"neutral","sentiment_score":0.13222808092832566},{"text":"Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table.","start":1177.74,"end":1188.86,"sentiment":"neutral","sentiment_score":0.06169535392629249},{"text":"Can you see that?","start":1188.86,"end":1190.0,"sentiment":"neutral","sentiment_score":0.05976633168756962}],"sentiment":"neutral","sentiment_score":0.15201795723156206,"num_words":112,"start":1154.0901,"end":1190.0},{"sentences":[{"text":"Yep.","start":1192.155,"end":1192.655,"sentiment":"neutral","sentiment_score":0.11463026702404022},{"text":"So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations.","start":1192.715,"end":1202.415,"sentiment":"neutral","sentiment_score":0.05705408682977712},{"text":"You can see your existing portfolio and then the proposed.","start":1203.76,"end":1207.86,"sentiment":"neutral","sentiment_score":0.12028129957616329},{"text":"But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio.","start":1208.5599,"end":1218.4199,"sentiment":"neutral","sentiment_score":0.14822959706739144},{"text":"Does that make sense?","start":1220.255,"end":1221.315,"sentiment":"neutral","sentiment_score":0.15216095931828022}],"sentiment":"neutral","sentiment_score":0.10824270384467166,"num_words":69,"start":1192.155,"end":1221.315},{"sentences":[{"text":"Yep.","start":1222.655,"end":1223.155,"sentiment":"neutral","sentiment_score":0.09112441539764404},{"text":"And the last thing is just in regards to your beneficiary.","start":1223.775,"end":1228.115,"sentiment":"neutral","sentiment_score":0.1504564251412045},{"text":"So like I said, we have everything sorted for your superannuation, which is fantastic.","start":1228.575,"end":1232.515,"sentiment":"positive","sentiment_score":0.5734304338693619},{"text":"I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up.","start":1233.53,"end":1240.97,"sentiment":"positive","sentiment_score":0.5052002498081752},{"text":"So if something were to happen to you, that it would go to your partner.","start":1240.97,"end":1245.3099,"sentiment":"neutral","sentiment_score":0.23153870403766633}],"sentiment":"positive","sentiment_score":0.38478156407513925,"num_words":62,"start":1222.655,"end":1245.3099},{"sentences":[{"text":"Yep.","start":1247.0851,"end":1247.5851,"sentiment":"neutral","sentiment_score":0.1945721805095673},{"text":"Now I have also just included some information in regards to setting up a will and power of attorney.","start":1247.885,"end":1254.865,"sentiment":"neutral","sentiment_score":0.22533615011917918},{"text":"It is something I always recommend everyone to consider.","start":1255.3251,"end":1259.17,"sentiment":"positive","sentiment_score":0.47329870859781903},{"text":"So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track.","start":1259.3099,"end":1269.73,"sentiment":"neutral","sentiment_score":0.27332186830394406},{"text":"Now the last thing is just in regards to the ongoing advice fee.","start":1272.4451,"end":1278.765,"sentiment":"neutral","sentiment_score":0.06826232001185417}],"sentiment":"neutral","sentiment_score":0.24889475121898086,"num_words":76,"start":1247.0851,"end":1278.765},{"sentences":[{"text":"So if you wanna scroll down to page 29 for me.","start":1278.765,"end":1282.785,"sentiment":"neutral","sentiment_score":0.07302803546190262},{"text":"Yep.","start":1290.12,"end":1290.62,"sentiment":"neutral","sentiment_score":0.1357233226299286},{"text":"So like I mentioned during the under review, there is no changes in regards to the fee structure.","start":1290.76,"end":1296.62,"sentiment":"neutral","sentiment_score":0.11483338640795814},{"text":"It stays exactly the same at 1.65 from Super.","start":1297.085,"end":1301.345,"sentiment":"neutral","sentiment_score":0.32954009042845833},{"text":"There is no additional fees and charges for, obviously, this advice.","start":1301.725,"end":1305.965,"sentiment":"neutral","sentiment_score":0.19911984489722687}],"sentiment":"neutral","sentiment_score":0.16324423551559447,"num_words":50,"start":1278.765,"end":1305.965},{"sentences":[{"text":"And if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that.","start":1305.965,"end":1316.85,"sentiment":"neutral","sentiment_score":0.19123394090321758},{"text":"It's also not a lock in contract.","start":1317.71,"end":1319.73,"sentiment":"neutral","sentiment_score":-0.21860417085034506},{"text":"So if at any point in time, you are not happy.","start":1319.87,"end":1322.51,"sentiment":"negative","sentiment_score":-0.429025874896483},{"text":"It is not a lock in contract.","start":1322.51,"end":1324.45,"sentiment":"neutral","sentiment_score":-0.25395073954548153},{"text":"We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations.","start":1325.235,"end":1335.8151,"sentiment":"neutral","sentiment_score":0.20098059118858405}],"sentiment":"neutral","sentiment_score":0.04200642529342856,"num_words":84,"start":1305.965,"end":1335.8151},{"sentences":[{"text":"But then, also, if you're not it's like a a full commitment for a full year as well.","start":1336.915,"end":1341.43,"sentiment":"neutral","sentiment_score":0.14166026934981346},{"text":"It is just deducted monthly for you.","start":1341.65,"end":1343.91,"sentiment":"neutral","sentiment_score":0.1369857702936445},{"text":"Makes sense?","start":1346.13,"end":1346.87,"sentiment":"neutral","sentiment_score":0.1426773965358734},{"text":"Yep.","start":1348.4501,"end":1348.9501,"sentiment":"neutral","sentiment_score":0.2000209391117096},{"text":"Now I have also just shown you the Clearview insurances.","start":1349.01,"end":1351.9901,"sentiment":"neutral","sentiment_score":0.2724294289946556}],"sentiment":"neutral","sentiment_score":0.17680145427584648,"num_words":38,"start":1336.915,"end":1351.9901},{"sentences":[{"text":"So with insurances, we do get commission, which is 22% of the premium ongoing.","start":1352.835,"end":1359.735,"sentiment":"neutral","sentiment_score":0.22081791715962545},{"text":"Now that is Clearview paying us, though.","start":1360.355,"end":1363.075,"sentiment":"neutral","sentiment_score":0.1785237959453038},{"text":"It is not you paying us.","start":1363.075,"end":1364.82,"sentiment":"neutral","sentiment_score":0.05291902646422386},{"text":"But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that.","start":1365.0599,"end":1373.7999,"sentiment":"neutral","sentiment_score":0.10066148678639106},{"text":"Yep.","start":1375.5399,"end":1376.0199,"sentiment":"neutral","sentiment_score":0.13624006509780884}],"sentiment":"neutral","sentiment_score":0.13595345117417829,"num_words":56,"start":1352.835,"end":1376.0199},{"sentences":[{"text":"Do you have any questions in regards to any of that so far?","start":1376.0199,"end":1379.48,"sentiment":"neutral","sentiment_score":0.11787019440760979},{"text":"No.","start":1381.385,"end":1381.865,"sentiment":"neutral","sentiment_score":0.010414615273475649},{"text":"Perfect.","start":1381.865,"end":1382.365,"sentiment":"positive","sentiment_score":0.36335352063179016},{"text":"And that basically summarizes everything.","start":1382.425,"end":1384.845,"sentiment":"neutral","sentiment_score":0.3093496531248093},{"text":"So on the next couple of pages, it just shows you the authority to proceed.","start":1385.225,"end":1389.485,"sentiment":"neutral","sentiment_score":0.3031672894954681}],"sentiment":"neutral","sentiment_score":0.2285810934645789,"num_words":35,"start":1376.0199,"end":1389.485},{"sentences":[{"text":"And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination.","start":1390.185,"end":1404.76,"sentiment":"positive","sentiment_score":0.3822890841043912},{"text":"But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document.","start":1406.18,"end":1413.935,"sentiment":"neutral","sentiment_score":0.24141255921373764},{"text":"If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through.","start":1414.635,"end":1425.775,"sentiment":"neutral","sentiment_score":0.31535263700144633},{"text":"If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now.","start":1426.48,"end":1438.74,"sentiment":"positive","sentiment_score":0.5079756952822209},{"text":"Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1439.225,"end":1446.685,"sentiment":"positive","sentiment_score":0.5653503183965329}],"sentiment":"positive","sentiment_score":0.4080242691166473,"num_words":165,"start":1390.185,"end":1446.685},{"sentences":[{"text":"Now do you have any questions before I let you go back to work otherwise?","start":1449.225,"end":1453.085,"sentiment":"neutral","sentiment_score":0.06852547774712245},{"text":"Mhmm.","start":1460.88,"end":1461.38,"sentiment":"neutral","sentiment_score":-0.023277418687939644},{"text":"Correct.","start":1467.0549,"end":1467.5549,"sentiment":"neutral","sentiment_score":0.08441077917814255},{"text":"Correct.","start":1468.4149,"end":1468.9149,"sentiment":"neutral","sentiment_score":0.14121536910533905},{"text":"I do ask if it's possible for you to email me just so that I know that you have made a decision.","start":1468.975,"end":1473.7949,"sentiment":"neutral","sentiment_score":0.023445762990211897}],"sentiment":"neutral","sentiment_score":0.04365094203967601,"num_words":40,"start":1449.225,"end":1473.7949},{"sentences":[{"text":"So whether you email me and just say, hey.","start":1474.1749,"end":1476.335,"sentiment":"neutral","sentiment_score":-0.08518026769161224},{"text":"I've decided not to go ahead.","start":1476.335,"end":1478.0349,"sentiment":"neutral","sentiment_score":-0.14743981013695398},{"text":"That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide.","start":1478.1749,"end":1486.69,"sentiment":"neutral","sentiment_score":-0.019362498661158262},{"text":"But, yes, the choice is completely yours.","start":1486.69,"end":1488.61,"sentiment":"positive","sentiment_score":0.345420424427305},{"text":"If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you.","start":1488.61,"end":1498.865,"sentiment":"neutral","sentiment_score":0.23856374961989266}],"sentiment":"neutral","sentiment_score":0.10230506516416513,"num_words":84,"start":1474.1749,"end":1498.865},{"sentences":[{"text":"Yep.","start":1500.365,"end":1500.865,"sentiment":"neutral","sentiment_score":0.12199509143829346},{"text":"What do you mean what you're currently on?","start":1507.8049,"end":1509.905,"sentiment":"neutral","sentiment_score":-0.01728157268371433},{"text":"Yes.","start":1519.05,"end":1519.4501,"sentiment":"neutral","sentiment_score":0.026182588189840317},{"text":"So yeah.","start":1519.4501,"end":1520.5701,"sentiment":"neutral","sentiment_score":0.012194407638162374},{"text":"No.","start":1520.5701,"end":1520.9701,"sentiment":"neutral","sentiment_score":-0.06603747606277466}],"sentiment":"neutral","sentiment_score":-0.0024402740483100596,"num_words":13,"start":1500.365,"end":1520.9701},{"sentences":[{"text":"So when you went back up to that table so first on the investments, you will see it in that investment table switch.","start":1520.9701,"end":1528.905,"sentiment":"neutral","sentiment_score":0.0025019517735294676},{"text":"You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly.","start":1529.205,"end":1536.745,"sentiment":"neutral","sentiment_score":0.02142697386443615},{"text":"Let me just I'll just scroll up just so I can tell you for sure.","start":1539.71,"end":1543.25,"sentiment":"neutral","sentiment_score":0.016459725673000018},{"text":"Yes.","start":1546.4299,"end":1546.75,"sentiment":"neutral","sentiment_score":0.054287806153297424},{"text":"Correct.","start":1546.75,"end":1547.25,"sentiment":"neutral","sentiment_score":0.07310286164283752}],"sentiment":"neutral","sentiment_score":0.015079996089881925,"num_words":67,"start":1520.9701,"end":1547.25},{"sentences":[{"text":"So you can see the the column versus current weight.","start":1547.5499,"end":1550.19,"sentiment":"neutral","sentiment_score":0.06483966000378132},{"text":"So that is what you are currently in.","start":1550.19,"end":1551.855,"sentiment":"neutral","sentiment_score":0.04377920436672866},{"text":"So if you decide you don't wanna change, that stays the same.","start":1551.855,"end":1555.475,"sentiment":"neutral","sentiment_score":-0.0034937922221918902},{"text":"If you then scroll back to page 15, you can see the current column.","start":1557.375,"end":1563.775,"sentiment":"neutral","sentiment_score":0.017312644182571342},{"text":"So that is all your current fees and the current returns and everything.","start":1563.775,"end":1567.475,"sentiment":"neutral","sentiment_score":0.010246718445649514}],"sentiment":"neutral","sentiment_score":0.023373492748329516,"num_words":57,"start":1547.5499,"end":1567.475},{"sentences":[{"text":"So, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation.","start":1567.83,"end":1574.25,"sentiment":"neutral","sentiment_score":-0.12480099773720692},{"text":"Yep.","start":1575.75,"end":1576.25,"sentiment":"neutral","sentiment_score":0.15004214644432068},{"text":"And that's the same with that table on page 16.","start":1576.7899,"end":1579.7699,"sentiment":"neutral","sentiment_score":0.11662111654877663},{"text":"You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments.","start":1580.315,"end":1589.695,"sentiment":"neutral","sentiment_score":0.08236612838559917},{"text":"Yep.","start":1591.755,"end":1592.075,"sentiment":"neutral","sentiment_score":0.08779804408550262}],"sentiment":"neutral","sentiment_score":0.02269633887809212,"num_words":59,"start":1567.83,"end":1592.075},{"sentences":[{"text":"Does does that answer that question for you?","start":1592.075,"end":1594.08,"sentiment":"neutral","sentiment_score":0.1331714866682887},{"text":"Yeah.","start":1595.0399,"end":1595.5399,"sentiment":"neutral","sentiment_score":0.3233073949813843},{"text":"Perfect.","start":1595.9199,"end":1596.4199,"sentiment":"positive","sentiment_score":0.5046368837356567},{"text":"No.","start":1596.72,"end":1596.96,"sentiment":"neutral","sentiment_score":-0.004060803912580013},{"text":"That's okay.","start":1596.96,"end":1597.7799,"sentiment":"positive","sentiment_score":0.4250156581401825}],"sentiment":"neutral","sentiment_score":0.21071436034085658,"num_words":13,"start":1592.075,"end":1597.7799},{"sentences":[{"text":"So I will let you go and get back to work.","start":1598.3999,"end":1601.22,"sentiment":"neutral","sentiment_score":0.2038915130225095},{"text":"I know there's a lot to process, so so take your time.","start":1601.2799,"end":1604.4199,"sentiment":"neutral","sentiment_score":0.03561317392935356},{"text":"Any questions, just let me know what you want to do at the end the day.","start":1605.6,"end":1609.1849,"sentiment":"neutral","sentiment_score":0.1155962054617703},{"text":"And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you.","start":1609.1849,"end":1617.5249,"sentiment":"neutral","sentiment_score":0.1383076947839821},{"text":"No worries.","start":1619.825,"end":1620.565,"sentiment":"positive","sentiment_score":0.4088248908519745}],"sentiment":"neutral","sentiment_score":0.1338642056286335,"num_words":75,"start":1598.3999,"end":1620.565},{"sentences":[{"text":"No.","start":1620.865,"end":1621.105,"sentiment":"positive","sentiment_score":0.4851047396659851},{"text":"That is no problem at all.","start":1621.105,"end":1622.465,"sentiment":"positive","sentiment_score":0.6379585663477579},{"text":"It was lovely speaking with you today, and thank you so much for your time.","start":1622.465,"end":1625.28,"sentiment":"positive","sentiment_score":0.8954461216926575},{"text":"And I hope you enjoy the rest of your afternoon.","start":1625.28,"end":1627.54,"sentiment":"positive","sentiment_score":0.8228094637393951},{"text":"Thank you so much.","start":1629.6,"end":1630.64,"sentiment":"positive","sentiment_score":0.7600642144680023}],"sentiment":"positive","sentiment_score":0.8059138738446765,"num_words":36,"start":1620.865,"end":1630.64},{"sentences":[{"text":"You too.","start":1630.64,"end":1631.36,"sentiment":"positive","sentiment_score":0.4455912411212921},{"text":"Bye.","start":1631.36,"end":1631.86,"sentiment":"neutral","sentiment_score":0.22562441229820251}],"sentiment":"positive","sentiment_score":0.3722689648469289,"num_words":3,"start":1630.64,"end":1631.86}]}}]},{"alternatives":[{"transcript":"Hi. Good evening. Yep. Yeah. That's fine. Yeah. Willy. Date of birth is 01/25/1984. Address is 32 Arlington Park Parade, Nicollan, Victoria 3064. I'm just at work. Sorry. Trying to get through the day, I guess. Mhmm. Not really. I was just I've just actually stepped out into a a room for the call. I just so I don't have access to my emails. Although hang on. I'll probably hang on. Let me see if I can access through my phone. I might just have to put you on speaker phone so I can hear and read the emails if you need to. Did you did you already send me something? Yeah. I need to sign something. Yeah. Okay. Cool. Okay. Okay. Yep. Okay. Yep. Yep. Okay. Yeah. Okay. Yep. Yep. Yep. Yeah. So the current column? Oh, yeah. Yeah. Yep. Yep. Not at the moment. No. I probably will once I've had a proper look. Yeah. Yep. Yeah. No. Mhmm. Mhmm. Okay. No. It's a lot of lot of information to digest. Yeah. Yeah. Okay. Yeah. Yeah. Yep. Mhmm. Okay. Yep. Yep. Yep. Okay. No. Okay. No. So if I don't agree to move forward with this, I can just I don't have to do anything else. Right? I just remain on whatever I am on on a plan. Yeah. Okay. Do I have access to the what I'm currently on at the moment? Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I guess. That that's page 17. Right? Yes. Okay. Cool. Yep. Yep. Okay. Yeah. Yeah. It does. Alright. Thank you. Alright. Sounds good. Thanks for your help. Likewise. Alright. Have a good one. Okay. Bye.","confidence":0.982666,"words":[{"word":"hi","start":11.28,"end":11.78,"confidence":0.982666,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.142264723777771},{"word":"good","start":13.759999,"end":14.16,"confidence":0.42944336,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4296623170375824},{"word":"evening","start":14.16,"end":14.66,"confidence":0.7595215,"punctuated_word":"evening.","sentiment":"positive","sentiment_score":0.3541035056114197},{"word":"yep","start":26.494999,"end":26.994999,"confidence":0.7062988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08946578949689865},{"word":"yeah","start":40.39,"end":40.63,"confidence":0.763916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1533115953207016},{"word":"that's","start":40.63,"end":40.95,"confidence":0.9748535,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2405228465795517},{"word":"fine","start":40.95,"end":41.45,"confidence":0.9909668,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2684413194656372},{"word":"yeah","start":53.155,"end":53.475,"confidence":0.5734253,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04840691387653351},{"word":"willy","start":53.475,"end":53.975,"confidence":0.61279297,"punctuated_word":"Willy.","sentiment":"neutral","sentiment_score":0.05386720225214958},{"word":"date","start":54.035,"end":54.275,"confidence":0.9970703,"punctuated_word":"Date","sentiment":"neutral","sentiment_score":0.07874616980552673},{"word":"of","start":54.275,"end":54.355,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05796166881918907},{"word":"birth","start":54.355,"end":54.595,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.0727083683013916},{"word":"is","start":54.595,"end":54.755,"confidence":0.7270508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04749571159482002},{"word":"01/25/1984","start":54.755,"end":56.375,"confidence":0.80790204,"punctuated_word":"01/25/1984.","sentiment":"neutral","sentiment_score":0.055904775857925415},{"word":"address","start":57.96,"end":58.28,"confidence":0.9614258,"punctuated_word":"Address","sentiment":"neutral","sentiment_score":0.06431227922439575},{"word":"is","start":58.28,"end":58.44,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.051697008311748505},{"word":"32","start":58.44,"end":58.84,"confidence":0.9836426,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.058343857526779175},{"word":"arlington","start":58.84,"end":59.34,"confidence":0.9536133,"punctuated_word":"Arlington","sentiment":"neutral","sentiment_score":0.05947133153676987},{"word":"park","start":59.4,"end":59.72,"confidence":0.88720703,"punctuated_word":"Park","sentiment":"neutral","sentiment_score":0.07189233601093292},{"word":"parade","start":59.72,"end":60.22,"confidence":0.98291016,"punctuated_word":"Parade,","sentiment":"neutral","sentiment_score":0.06265860795974731},{"word":"nicollan","start":60.36,"end":60.86,"confidence":0.60717773,"punctuated_word":"Nicollan,","sentiment":"neutral","sentiment_score":0.06362228840589523},{"word":"victoria","start":61.0,"end":61.48,"confidence":1.0,"punctuated_word":"Victoria","sentiment":"neutral","sentiment_score":0.08680790662765503},{"word":"3064","start":61.48,"end":62.7,"confidence":0.961792,"punctuated_word":"3064.","sentiment":"neutral","sentiment_score":0.08777880668640137},{"word":"i'm","start":67.16,"end":67.32,"confidence":0.9633789,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23892703652381897},{"word":"just","start":67.32,"end":67.64,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.24178455770015717},{"word":"at","start":67.64,"end":67.8,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23348943889141083},{"word":"work","start":67.8,"end":68.2,"confidence":0.7305908,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.20448288321495056},{"word":"sorry","start":68.2,"end":68.7,"confidence":0.72766113,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.2058744728565216},{"word":"trying","start":69.08,"end":69.4,"confidence":0.7529297,"punctuated_word":"Trying","sentiment":"neutral","sentiment_score":-0.1628793478012085},{"word":"to","start":69.4,"end":69.479996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16824385523796082},{"word":"get","start":69.479996,"end":69.64,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.16818341612815857},{"word":"through","start":69.64,"end":69.88,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1467450112104416},{"word":"the","start":69.88,"end":70.04,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035737935453653336},{"word":"day","start":70.04,"end":70.28,"confidence":0.99658203,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":-0.031585443764925},{"word":"i","start":70.28,"end":70.44,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.041886065155267715},{"word":"guess","start":70.44,"end":70.94,"confidence":0.9995117,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.05647809058427811},{"word":"mhmm","start":72.345,"end":72.845,"confidence":0.9055176,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.018529631197452545},{"word":"not","start":83.785,"end":84.185,"confidence":0.8833008,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.11382883787155151},{"word":"really","start":84.185,"end":84.685,"confidence":0.99853516,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.0946049615740776},{"word":"i","start":85.909996,"end":85.99,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1217699572443962},{"word":"was","start":85.99,"end":86.07,"confidence":0.3713379,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10081356763839722},{"word":"just","start":86.07,"end":86.31,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11524997651576996},{"word":"i've","start":87.10999,"end":87.35,"confidence":0.7849121,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.01778266951441765},{"word":"just","start":87.35,"end":87.509995,"confidence":0.9291992,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005797006189823151},{"word":"actually","start":87.509995,"end":87.909996,"confidence":0.9770508,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.00689367949962616},{"word":"stepped","start":87.909996,"end":88.149994,"confidence":0.9902344,"punctuated_word":"stepped","sentiment":"neutral","sentiment_score":-0.011283975094556808},{"word":"out","start":88.149994,"end":88.31,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.019666779786348343},{"word":"into","start":88.31,"end":88.63,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.03146718814969063},{"word":"a","start":88.63,"end":88.869995,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.051193203777074814},{"word":"a","start":88.869995,"end":88.95,"confidence":0.5834961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.055202968418598175},{"word":"room","start":88.95,"end":89.35,"confidence":0.99902344,"punctuated_word":"room","sentiment":"neutral","sentiment_score":-0.05842696130275726},{"word":"for","start":89.35,"end":89.509995,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.030432984232902527},{"word":"the","start":89.509995,"end":89.67,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02520131319761276},{"word":"call","start":89.67,"end":90.17,"confidence":0.9296875,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.03952665254473686},{"word":"i","start":91.10999,"end":91.27,"confidence":0.6196289,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11824040114879608},{"word":"just","start":91.27,"end":91.42999,"confidence":0.85839844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11342693865299223},{"word":"so","start":91.509995,"end":91.549995,"confidence":0.57373047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10648027807474136},{"word":"i","start":91.549995,"end":91.59,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12933644652366638},{"word":"don't","start":91.59,"end":91.75,"confidence":0.9946289,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14355340600013733},{"word":"have","start":91.75,"end":91.99,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1257619559764862},{"word":"access","start":91.99,"end":92.39,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.1974330842494965},{"word":"to","start":92.39,"end":92.46999,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17547108232975006},{"word":"my","start":92.46999,"end":92.78999,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1861795336008072},{"word":"emails","start":92.78999,"end":93.28999,"confidence":0.9172363,"punctuated_word":"emails.","sentiment":"neutral","sentiment_score":-0.13017956912517548},{"word":"although","start":94.71,"end":95.189995,"confidence":0.9707031,"punctuated_word":"Although","sentiment":"neutral","sentiment_score":-0.09989219158887865},{"word":"hang","start":95.42999,"end":95.75,"confidence":0.99316406,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.09964732825756072},{"word":"on","start":95.75,"end":96.229996,"confidence":0.99609375,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.08374755084514618},{"word":"i'll","start":96.229996,"end":96.39,"confidence":0.92822266,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.045094460248947144},{"word":"probably","start":96.39,"end":96.869995,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.059814952313899994},{"word":"hang","start":97.189995,"end":97.42999,"confidence":0.4501953,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.057433150708675385},{"word":"on","start":97.42999,"end":97.59,"confidence":0.99365234,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.05113337188959122},{"word":"let","start":97.59,"end":97.67,"confidence":0.9980469,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.03533443063497543},{"word":"me","start":97.67,"end":97.829994,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.017063364386558533},{"word":"see","start":97.829994,"end":97.99,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0303763784468174},{"word":"if","start":97.99,"end":98.149994,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0352838858962059},{"word":"i","start":98.149994,"end":98.229996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03752272576093674},{"word":"can","start":98.229996,"end":98.39,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03850952535867691},{"word":"access","start":98.39,"end":98.78999,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.07379672676324844},{"word":"through","start":98.78999,"end":99.10999,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.05522104352712631},{"word":"my","start":99.10999,"end":99.27,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.062083519995212555},{"word":"phone","start":99.27,"end":99.77,"confidence":0.96777344,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.059966135770082474},{"word":"i","start":100.665,"end":100.744995,"confidence":0.69921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005606234073638916},{"word":"might","start":100.744995,"end":100.905,"confidence":0.9770508,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.003105081617832184},{"word":"just","start":100.905,"end":101.064995,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002015121281147003},{"word":"have","start":101.064995,"end":101.225,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0016595646739006042},{"word":"to","start":101.225,"end":101.305,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0019767098128795624},{"word":"put","start":101.305,"end":101.465,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.0011959150433540344},{"word":"you","start":101.465,"end":101.625,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004854198545217514},{"word":"on","start":101.625,"end":101.865,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0027192533016204834},{"word":"speaker","start":101.865,"end":102.104996,"confidence":0.9921875,"punctuated_word":"speaker","sentiment":"neutral","sentiment_score":0.005811013281345367},{"word":"phone","start":102.104996,"end":102.424995,"confidence":0.52197266,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.0068991221487522125},{"word":"so","start":102.424995,"end":102.505,"confidence":0.87597656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.004083406180143356},{"word":"i","start":102.505,"end":102.665,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014791619032621384},{"word":"can","start":102.665,"end":102.825,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0016989856958389282},{"word":"hear","start":102.825,"end":103.305,"confidence":0.9902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.0007411092519760132},{"word":"and","start":103.305,"end":103.545,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.002703048288822174},{"word":"read","start":103.545,"end":103.945,"confidence":0.796875,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.009869009256362917},{"word":"the","start":103.945,"end":104.345,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007267232984304428},{"word":"emails","start":104.345,"end":104.744995,"confidence":0.80322266,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.010277541354298592},{"word":"if","start":104.744995,"end":104.985,"confidence":0.88134766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0065117329359054565},{"word":"you","start":104.985,"end":105.064995,"confidence":0.7680664,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01447342149913311},{"word":"need","start":105.064995,"end":105.225,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.01502569019794464},{"word":"to","start":105.225,"end":105.725,"confidence":0.99560547,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.013424902223050594},{"word":"did","start":118.58,"end":118.74,"confidence":0.9140625,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.009975960478186607},{"word":"you","start":118.74,"end":118.98,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016307860612869263},{"word":"did","start":118.98,"end":119.14,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.015463044866919518},{"word":"you","start":119.14,"end":119.3,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017792988568544388},{"word":"already","start":119.3,"end":119.7,"confidence":0.9892578,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.004737291485071182},{"word":"send","start":119.7,"end":119.86,"confidence":0.8378906,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.02886616438627243},{"word":"me","start":119.86,"end":120.020004,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.025284763425588608},{"word":"something","start":120.020004,"end":120.520004,"confidence":0.9951172,"punctuated_word":"something?","sentiment":"neutral","sentiment_score":-0.018806813284754753},{"word":"yeah","start":138.66501,"end":138.985,"confidence":0.9277344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10856728255748747},{"word":"i","start":138.985,"end":139.145,"confidence":0.66748047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1226879507303238},{"word":"need","start":139.145,"end":139.30501,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.11289162933826448},{"word":"to","start":139.30501,"end":139.545,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11388150602579115},{"word":"sign","start":139.545,"end":139.865,"confidence":0.87841797,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.12764224410057068},{"word":"something","start":139.865,"end":140.185,"confidence":0.8901367,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.10832145810127258},{"word":"yeah","start":140.185,"end":140.55,"confidence":0.93237305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.011320823803544044},{"word":"okay","start":146.07,"end":146.47,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07763853669166565},{"word":"cool","start":146.47,"end":146.97,"confidence":0.99902344,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.004460872616618872},{"word":"okay","start":167.865,"end":168.3,"confidence":0.95703125,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.33251142501831055},{"word":"okay","start":181.18001,"end":181.68001,"confidence":0.9453125,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07300254702568054},{"word":"yep","start":193.19499,"end":193.69499,"confidence":0.8088379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13198032975196838},{"word":"okay","start":239.25,"end":239.75,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1028297021985054},{"word":"yep","start":262.38,"end":262.88,"confidence":0.76586914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07946562767028809},{"word":"yep","start":272.275,"end":272.775,"confidence":0.71691895,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05750315636396408},{"word":"okay","start":310.005,"end":310.505,"confidence":0.98583984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14093312621116638},{"word":"yeah","start":333.355,"end":333.855,"confidence":0.7709961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11275646835565568},{"word":"okay","start":391.67,"end":392.17,"confidence":0.92749023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12663695216178894},{"word":"yep","start":392.95,"end":393.45,"confidence":0.8952637,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1212317943572998},{"word":"yep","start":492.945,"end":493.445,"confidence":0.8652344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09193950146436693},{"word":"yep","start":493.905,"end":494.405,"confidence":0.73461914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16804394125938416},{"word":"yeah","start":547.215,"end":547.455,"confidence":0.717041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02180458977818489},{"word":"so","start":547.455,"end":547.695,"confidence":0.53564453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009514238685369492},{"word":"the","start":547.695,"end":547.85504,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007375132292509079},{"word":"current","start":547.85504,"end":548.35504,"confidence":0.98828125,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.0018801577389240265},{"word":"column","start":550.015,"end":550.515,"confidence":0.62280273,"punctuated_word":"column?","sentiment":"neutral","sentiment_score":0.008792756125330925},{"word":"oh","start":553.85504,"end":553.93506,"confidence":0.85180664,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.06306131929159164},{"word":"yeah","start":553.93506,"end":554.17505,"confidence":0.98828125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07904034852981567},{"word":"yeah","start":554.17505,"end":554.67505,"confidence":0.9099121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09732137620449066},{"word":"yep","start":624.25,"end":624.75,"confidence":0.75927734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1629733145236969},{"word":"yep","start":683.765,"end":684.265,"confidence":0.75512695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16220927238464355},{"word":"not","start":693.685,"end":694.005,"confidence":0.80908203,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.22338557243347168},{"word":"at","start":694.005,"end":694.165,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17580652236938477},{"word":"the","start":694.165,"end":694.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15568985044956207},{"word":"moment","start":694.245,"end":694.645,"confidence":0.9975586,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.16854584217071533},{"word":"no","start":694.645,"end":695.145,"confidence":0.9914551,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1893633008003235},{"word":"i","start":695.98,"end":696.06,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23507395386695865},{"word":"probably","start":696.06,"end":696.3,"confidence":0.8925781,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2475228011608124},{"word":"will","start":696.3,"end":696.78,"confidence":0.8520508,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.056184276938438416},{"word":"once","start":696.78,"end":697.02,"confidence":0.73339844,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.016066260635852814},{"word":"i've","start":697.02,"end":697.52,"confidence":0.8342285,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04347946494817734},{"word":"had","start":697.66003,"end":697.9,"confidence":0.97802734,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0374259427189827},{"word":"a","start":697.9,"end":698.06,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057689011096954346},{"word":"proper","start":698.06,"end":698.38,"confidence":0.984375,"punctuated_word":"proper","sentiment":"neutral","sentiment_score":-0.03239395469427109},{"word":"look","start":698.38,"end":698.88,"confidence":0.9814453,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.010224010795354843},{"word":"yeah","start":698.94,"end":699.44,"confidence":0.98706055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.039594776928424835},{"word":"yep","start":763.82,"end":764.32,"confidence":0.8071289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19000738859176636},{"word":"yeah","start":780.515,"end":781.015,"confidence":0.8000488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03196254372596741},{"word":"no","start":838.965,"end":839.465,"confidence":0.9650879,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05497752130031586},{"word":"mhmm","start":968.15497,"end":968.65497,"confidence":0.9168701,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.21007804572582245},{"word":"mhmm","start":1037.52,"end":1038.02,"confidence":0.8742676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10626082867383956},{"word":"okay","start":1095.37,"end":1095.87,"confidence":0.98217773,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19152593612670896},{"word":"no","start":1133.085,"end":1133.585,"confidence":0.9003906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1195242404937744},{"word":"it's","start":1134.765,"end":1134.925,"confidence":0.795166,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0973203033208847},{"word":"a","start":1134.925,"end":1135.005,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09685906022787094},{"word":"lot","start":1135.005,"end":1135.245,"confidence":0.9970703,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.08540204167366028},{"word":"of","start":1135.245,"end":1135.485,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07467611134052277},{"word":"lot","start":1135.485,"end":1135.805,"confidence":0.41625977,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07685014605522156},{"word":"of","start":1135.805,"end":1136.045,"confidence":0.4753418,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07327747344970703},{"word":"information","start":1136.045,"end":1136.545,"confidence":0.90625,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.03708992153406143},{"word":"to","start":1136.925,"end":1137.245,"confidence":0.39453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04599715024232864},{"word":"digest","start":1137.245,"end":1137.745,"confidence":0.92944336,"punctuated_word":"digest.","sentiment":"neutral","sentiment_score":-0.05950289964675903},{"word":"yeah","start":1145.9099,"end":1146.4099,"confidence":0.77685547,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.33741453289985657},{"word":"yeah","start":1160.825,"end":1161.325,"confidence":0.77368164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1506742537021637},{"word":"okay","start":1162.4249,"end":1162.9249,"confidence":0.93530273,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16485795378684998},{"word":"yeah","start":1166.1849,"end":1166.6849,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23457688093185425},{"word":"yeah","start":1175.7,"end":1176.2,"confidence":0.80566406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08144812285900116},{"word":"yep","start":1191.155,"end":1191.655,"confidence":0.74243164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09874212741851808},{"word":"mhmm","start":1221.725,"end":1222.225,"confidence":0.9453125,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03087979182600975},{"word":"okay","start":1245.885,"end":1246.385,"confidence":0.98706055,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19172033667564392},{"word":"yep","start":1271.22,"end":1271.72,"confidence":0.9055176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11963686347007751},{"word":"yep","start":1289.1699,"end":1289.6699,"confidence":0.9260254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10635165870189668},{"word":"yep","start":1353.49,"end":1353.99,"confidence":0.8203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25551527738571167},{"word":"okay","start":1374.4751,"end":1374.93,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12814286351203918},{"word":"no","start":1380.2101,"end":1380.7101,"confidence":0.94384766,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13530787825584412},{"word":"okay","start":1448.11,"end":1448.61,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16513770818710327},{"word":"no","start":1455.6951,"end":1456.175,"confidence":0.9206543,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1084848940372467},{"word":"so","start":1456.175,"end":1456.415,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06151133775711059},{"word":"if","start":1456.415,"end":1456.5751,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12428800016641615},{"word":"i","start":1456.5751,"end":1456.735,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1693254113197327},{"word":"don't","start":1456.735,"end":1457.235,"confidence":0.99316406,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.15684020519256592},{"word":"agree","start":1457.775,"end":1458.275,"confidence":0.9951172,"punctuated_word":"agree","sentiment":"neutral","sentiment_score":-0.13836577534675598},{"word":"to","start":1458.495,"end":1458.995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10279223322868349},{"word":"move","start":1459.295,"end":1459.615,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.08104966580867767},{"word":"forward","start":1459.615,"end":1460.015,"confidence":1.0,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":-0.05253709852695465},{"word":"with","start":1460.015,"end":1460.255,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10484275221824646},{"word":"this","start":1460.255,"end":1460.5751,"confidence":0.986084,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.13911214470863342},{"word":"i","start":1460.5751,"end":1460.735,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11351849883794785},{"word":"can","start":1460.735,"end":1460.975,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09673737734556198},{"word":"just","start":1460.975,"end":1461.135,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02626560628414154},{"word":"i","start":1461.295,"end":1461.4551,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007405050098896027},{"word":"don't","start":1461.4551,"end":1461.615,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02113049104809761},{"word":"have","start":1461.615,"end":1461.855,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05797993391752243},{"word":"to","start":1461.855,"end":1461.935,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04436635971069336},{"word":"do","start":1461.935,"end":1462.095,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07154269516468048},{"word":"anything","start":1462.095,"end":1462.495,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.021540910005569455},{"word":"else","start":1462.495,"end":1462.735,"confidence":0.93603516,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.0757906585931778},{"word":"right","start":1462.735,"end":1462.975,"confidence":0.98461914,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.0731046050786972},{"word":"i","start":1462.975,"end":1463.135,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05975302308797836},{"word":"just","start":1463.135,"end":1463.375,"confidence":0.7373047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14161443710327148},{"word":"remain","start":1463.375,"end":1463.875,"confidence":0.99609375,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.04593798518180847},{"word":"on","start":1464.6499,"end":1464.8899,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17187249660491943},{"word":"whatever","start":1464.8899,"end":1465.37,"confidence":0.9863281,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.27950212359428406},{"word":"i","start":1465.37,"end":1465.5299,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1170286312699318},{"word":"am","start":1465.5299,"end":1465.7699,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.13179808855056763},{"word":"on","start":1465.7699,"end":1466.2699,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09305931627750395},{"word":"on","start":1466.8899,"end":1466.97,"confidence":0.96240234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14430460333824158},{"word":"a","start":1466.97,"end":1467.47,"confidence":0.5097656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05952231213450432},{"word":"plan","start":1468.8899,"end":1469.3899,"confidence":0.8898926,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.03268792852759361},{"word":"yeah","start":1474.33,"end":1474.83,"confidence":0.9350586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012992419302463531},{"word":"okay","start":1499.4501,"end":1499.9501,"confidence":0.8786621,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12232440710067748},{"word":"do","start":1501.21,"end":1501.53,"confidence":0.9267578,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.018349386751651764},{"word":"i","start":1501.53,"end":1501.61,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04586217924952507},{"word":"have","start":1501.61,"end":1501.85,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03304459899663925},{"word":"access","start":1501.85,"end":1502.35,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.04578493535518646},{"word":"to","start":1502.41,"end":1502.65,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0552014485001564},{"word":"the","start":1502.65,"end":1502.8501,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02716461941599846},{"word":"what","start":1503.05,"end":1503.29,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.016659382730722427},{"word":"i'm","start":1503.29,"end":1503.79,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01967412233352661},{"word":"currently","start":1503.93,"end":1504.41,"confidence":0.9453125,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.002836860716342926},{"word":"on","start":1504.41,"end":1504.5701,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.006592191755771637},{"word":"at","start":1504.5701,"end":1504.73,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003207240253686905},{"word":"the","start":1504.73,"end":1504.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027638467028737068},{"word":"moment","start":1504.89,"end":1505.39,"confidence":0.9875488,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.010330096818506718},{"word":"like","start":1509.4349,"end":1509.755,"confidence":0.96118164,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01344350166618824},{"word":"similar","start":1509.755,"end":1510.155,"confidence":0.98291016,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.017247240990400314},{"word":"like","start":1510.315,"end":1510.635,"confidence":0.97021484,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.054774630814790726},{"word":"if","start":1510.635,"end":1510.875,"confidence":0.7348633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06347502768039703},{"word":"i","start":1510.875,"end":1511.0349,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05896943807601929},{"word":"just","start":1511.0349,"end":1511.275,"confidence":0.44140625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.060143060982227325},{"word":"have","start":1511.275,"end":1511.4349,"confidence":0.43798828,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.045312587171792984},{"word":"just","start":1511.515,"end":1511.835,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04234125837683678},{"word":"so","start":1511.835,"end":1511.9149,"confidence":0.9760742,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.055619221180677414},{"word":"i","start":1511.9149,"end":1512.075,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08726541697978973},{"word":"can","start":1512.075,"end":1512.315,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0711274966597557},{"word":"compare","start":1512.315,"end":1512.815,"confidence":0.99902344,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.08153871446847916},{"word":"and","start":1515.595,"end":1515.755,"confidence":0.7763672,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06575389206409454},{"word":"make","start":1515.755,"end":1515.995,"confidence":0.9580078,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08332067728042603},{"word":"a","start":1515.995,"end":1516.155,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0833442211151123},{"word":"decision","start":1516.155,"end":1516.5549,"confidence":0.73046875,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.07608549296855927},{"word":"a","start":1516.5549,"end":1516.715,"confidence":0.81152344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08467469364404678},{"word":"decision","start":1516.715,"end":1517.195,"confidence":0.99902344,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.05404168367385864},{"word":"based","start":1517.195,"end":1517.515,"confidence":0.9951172,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.05328349769115448},{"word":"on","start":1517.515,"end":1517.755,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05011230707168579},{"word":"that","start":1517.755,"end":1518.255,"confidence":0.9880371,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.010333411395549774},{"word":"i","start":1518.7999,"end":1519.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016190242022275925},{"word":"guess","start":1519.12,"end":1519.62,"confidence":0.9692383,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.017732534557580948},{"word":"that","start":1536.425,"end":1536.5851,"confidence":0.41088867,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.014356430619955065},{"word":"that's","start":1536.665,"end":1536.905,"confidence":0.9909668,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0167990755289793},{"word":"page","start":1536.905,"end":1537.305,"confidence":0.9902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.009365614503622057},{"word":"17","start":1537.305,"end":1537.805,"confidence":0.99316406,"punctuated_word":"17.","sentiment":"neutral","sentiment_score":0.014638392254710196},{"word":"right","start":1538.025,"end":1538.525,"confidence":0.9416504,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.009826422668993471},{"word":"yes","start":1552.3099,"end":1552.8099,"confidence":0.8083496,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015993423759937286},{"word":"okay","start":1574.545,"end":1575.025,"confidence":0.95996094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12064215540885924},{"word":"cool","start":1575.025,"end":1575.505,"confidence":0.9650879,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.21003176271915436},{"word":"yep","start":1575.505,"end":1576.005,"confidence":0.7697754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14346884191036224},{"word":"yep","start":1590.76,"end":1591.26,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07704561948776245},{"word":"okay","start":1591.3999,"end":1591.8999,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09226878732442856},{"word":"yeah","start":1592.415,"end":1592.915,"confidence":0.95214844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12829799950122833},{"word":"yeah","start":1594.255,"end":1594.3351,"confidence":0.8198242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16293448209762573},{"word":"it","start":1594.3351,"end":1594.415,"confidence":0.7192383,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2304222583770752},{"word":"does","start":1594.415,"end":1594.7351,"confidence":0.9758301,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.18911319971084595},{"word":"alright","start":1594.7351,"end":1595.2151,"confidence":0.99658203,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.24814419448375705},{"word":"thank","start":1595.2151,"end":1595.375,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6404114961624146},{"word":"you","start":1595.375,"end":1595.875,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5537155866622925},{"word":"alright","start":1618.0599,"end":1618.46,"confidence":0.9055176,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4893035888671875},{"word":"sounds","start":1618.46,"end":1618.7799,"confidence":0.9970703,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.7898479104042053},{"word":"good","start":1618.7799,"end":1619.26,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7719014883041382},{"word":"thanks","start":1619.26,"end":1619.58,"confidence":0.9970703,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8369643688201904},{"word":"for","start":1619.58,"end":1619.6599,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8583205938339233},{"word":"your","start":1619.6599,"end":1619.82,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8641732335090637},{"word":"help","start":1619.82,"end":1620.135,"confidence":1.0,"punctuated_word":"help.","sentiment":"positive","sentiment_score":0.8103384375572205},{"word":"likewise","start":1628.215,"end":1628.715,"confidence":0.8171387,"punctuated_word":"Likewise.","sentiment":"positive","sentiment_score":0.5351628065109253},{"word":"alright","start":1628.855,"end":1629.255,"confidence":0.9904785,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.526395320892334},{"word":"have","start":1629.255,"end":1629.415,"confidence":0.9506836,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.6771830320358276},{"word":"a","start":1629.415,"end":1629.495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6838719248771667},{"word":"good","start":1629.495,"end":1629.735,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6447583436965942},{"word":"one","start":1629.735,"end":1630.235,"confidence":0.9970703,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.6970406770706177},{"word":"okay","start":1631.015,"end":1631.515,"confidence":0.725708,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2828037142753601},{"word":"bye","start":1631.655,"end":1632.155,"confidence":0.8444824,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11206939816474916}],"paragraphs":{"transcript":"\nHi. Good evening. Yep. Yeah. That's fine.\n\nYeah. Willy. Date of birth is 01/25/1984. Address is 32 Arlington Park Parade, Nicollan, Victoria 3064. I'm just at work.\n\nSorry. Trying to get through the day, I guess. Mhmm. Not really. I was just I've just actually stepped out into a a room for the call.\n\nI just so I don't have access to my emails. Although hang on. I'll probably hang on. Let me see if I can access through my phone. I might just have to put you on speaker phone so I can hear and read the emails if you need to.\n\nDid you did you already send me something? Yeah. I need to sign something. Yeah. Okay.\n\nCool. Okay. Okay. Yep. Okay.\n\nYep. Yep. Okay. Yeah. Okay.\n\nYep. Yep. Yep. Yeah. So the current column?\n\nOh, yeah. Yeah. Yep. Yep. Not at the moment.\n\nNo. I probably will once I've had a proper look. Yeah. Yep. Yeah.\n\nNo. Mhmm. Mhmm. Okay. No.\n\nIt's a lot of lot of information to digest. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yep. Mhmm. Okay. Yep.\n\nYep. Yep. Okay. No. Okay.\n\nNo. So if I don't agree to move forward with this, I can just I don't have to do anything else. Right? I just remain on whatever I am on on a plan. Yeah.\n\nOkay. Do I have access to the what I'm currently on at the moment? Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I guess. That that's page 17. Right?\n\nYes. Okay. Cool. Yep. Yep.\n\nOkay. Yeah. Yeah. It does. Alright.\n\nThank you. Alright. Sounds good. Thanks for your help. Likewise.\n\nAlright. Have a good one. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":11.28,"end":11.78,"sentiment":"neutral","sentiment_score":0.142264723777771},{"text":"Good evening.","start":13.759999,"end":14.66,"sentiment":"positive","sentiment_score":0.39188291132450104},{"text":"Yep.","start":26.494999,"end":26.994999,"sentiment":"neutral","sentiment_score":0.08946578949689865},{"text":"Yeah.","start":40.39,"end":40.63,"sentiment":"neutral","sentiment_score":0.1533115953207016},{"text":"That's fine.","start":40.63,"end":41.45,"sentiment":"neutral","sentiment_score":0.25448208302259445}],"sentiment":"neutral","sentiment_score":0.23968172818422318,"num_words":7,"start":11.28,"end":41.45},{"sentences":[{"text":"Yeah.","start":53.155,"end":53.475,"sentiment":"neutral","sentiment_score":0.04840691387653351},{"text":"Willy.","start":53.475,"end":53.975,"sentiment":"neutral","sentiment_score":0.05386720225214958},{"text":"Date of birth is 01/25/1984.","start":54.035,"end":56.375,"sentiment":"neutral","sentiment_score":0.06256333887577056},{"text":"Address is 32 Arlington Park Parade, Nicollan, Victoria 3064.","start":57.96,"end":62.7,"sentiment":"neutral","sentiment_score":0.06739826914336947},{"text":"I'm just at work.","start":67.16,"end":68.2,"sentiment":"neutral","sentiment_score":-0.22967097908258438}],"sentiment":"neutral","sentiment_score":0.005149565823376179,"num_words":20,"start":53.155,"end":68.2},{"sentences":[{"text":"Sorry.","start":68.2,"end":68.7,"sentiment":"neutral","sentiment_score":-0.2058744728565216},{"text":"Trying to get through the day, I guess.","start":69.08,"end":70.94,"sentiment":"neutral","sentiment_score":-0.1014673956669867},{"text":"Mhmm.","start":72.345,"end":72.845,"sentiment":"neutral","sentiment_score":0.018529631197452545},{"text":"Not really.","start":83.785,"end":84.685,"sentiment":"neutral","sentiment_score":-0.10421689972281456},{"text":"I was just I've just actually stepped out into a a room for the call.","start":85.909996,"end":90.17,"sentiment":"neutral","sentiment_score":-0.04604725887378057}],"sentiment":"neutral","sentiment_score":-0.07030469220545557,"num_words":27,"start":68.2,"end":90.17},{"sentences":[{"text":"I just so I don't have access to my emails.","start":91.10999,"end":93.28999,"sentiment":"neutral","sentiment_score":-0.14260626956820488},{"text":"Although hang on.","start":94.71,"end":96.229996,"sentiment":"neutral","sentiment_score":-0.09442902356386185},{"text":"I'll probably hang on.","start":96.229996,"end":97.59,"sentiment":"neutral","sentiment_score":-0.053368983790278435},{"text":"Let me see if I can access through my phone.","start":97.59,"end":99.77,"sentiment":"neutral","sentiment_score":-0.04451577365398407},{"text":"I might just have to put you on speaker phone so I can hear and read the emails if you need to.","start":100.665,"end":105.725,"sentiment":"neutral","sentiment_score":-0.003353467338125814}],"sentiment":"neutral","sentiment_score":-0.04983183101047667,"num_words":49,"start":91.10999,"end":105.725},{"sentences":[{"text":"Did you did you already send me something?","start":118.58,"end":120.520004,"sentiment":"neutral","sentiment_score":-0.017154360888525844},{"text":"Yeah.","start":138.66501,"end":138.985,"sentiment":"neutral","sentiment_score":-0.10856728255748747},{"text":"I need to sign something.","start":138.985,"end":140.185,"sentiment":"neutral","sentiment_score":-0.11708495765924454},{"text":"Yeah.","start":140.185,"end":140.55,"sentiment":"neutral","sentiment_score":-0.011320823803544044},{"text":"Okay.","start":146.07,"end":146.47,"sentiment":"neutral","sentiment_score":0.07763853669166565}],"sentiment":"neutral","sentiment_score":-0.04780682781711221,"num_words":16,"start":118.58,"end":146.47},{"sentences":[{"text":"Cool.","start":146.47,"end":146.97,"sentiment":"neutral","sentiment_score":0.004460872616618872},{"text":"Okay.","start":167.865,"end":168.3,"sentiment":"neutral","sentiment_score":0.33251142501831055},{"text":"Okay.","start":181.18001,"end":181.68001,"sentiment":"neutral","sentiment_score":0.07300254702568054},{"text":"Yep.","start":193.19499,"end":193.69499,"sentiment":"neutral","sentiment_score":0.13198032975196838},{"text":"Okay.","start":239.25,"end":239.75,"sentiment":"neutral","sentiment_score":0.1028297021985054}],"sentiment":"neutral","sentiment_score":0.12895697532221675,"num_words":5,"start":146.47,"end":239.75},{"sentences":[{"text":"Yep.","start":262.38,"end":262.88,"sentiment":"neutral","sentiment_score":0.07946562767028809},{"text":"Yep.","start":272.275,"end":272.775,"sentiment":"neutral","sentiment_score":0.05750315636396408},{"text":"Okay.","start":310.005,"end":310.505,"sentiment":"neutral","sentiment_score":0.14093312621116638},{"text":"Yeah.","start":333.355,"end":333.855,"sentiment":"neutral","sentiment_score":0.11275646835565568},{"text":"Okay.","start":391.67,"end":392.17,"sentiment":"neutral","sentiment_score":0.12663695216178894}],"sentiment":"neutral","sentiment_score":0.10345906615257264,"num_words":5,"start":262.38,"end":392.17},{"sentences":[{"text":"Yep.","start":392.95,"end":393.45,"sentiment":"neutral","sentiment_score":0.1212317943572998},{"text":"Yep.","start":492.945,"end":493.445,"sentiment":"neutral","sentiment_score":0.09193950146436693},{"text":"Yep.","start":493.905,"end":494.405,"sentiment":"neutral","sentiment_score":0.16804394125938416},{"text":"Yeah.","start":547.215,"end":547.455,"sentiment":"neutral","sentiment_score":0.02180458977818489},{"text":"So the current column?","start":547.455,"end":550.515,"sentiment":"neutral","sentiment_score":-0.0015541142784059048}],"sentiment":"neutral","sentiment_score":0.04960042121820152,"num_words":8,"start":392.95,"end":550.515},{"sentences":[{"text":"Oh, yeah.","start":553.85504,"end":554.17505,"sentiment":"neutral","sentiment_score":0.07105083391070366},{"text":"Yeah.","start":554.17505,"end":554.67505,"sentiment":"neutral","sentiment_score":0.09732137620449066},{"text":"Yep.","start":624.25,"end":624.75,"sentiment":"neutral","sentiment_score":0.1629733145236969},{"text":"Yep.","start":683.765,"end":684.265,"sentiment":"neutral","sentiment_score":0.16220927238464355},{"text":"Not at the moment.","start":693.685,"end":694.645,"sentiment":"neutral","sentiment_score":-0.18085694685578346}],"sentiment":"neutral","sentiment_score":-0.017646906276543934,"num_words":9,"start":553.85504,"end":694.645},{"sentences":[{"text":"No.","start":694.645,"end":695.145,"sentiment":"neutral","sentiment_score":-0.1893633008003235},{"text":"I probably will once I've had a proper look.","start":695.98,"end":698.88,"sentiment":"neutral","sentiment_score":-0.07951240614056587},{"text":"Yeah.","start":698.94,"end":699.44,"sentiment":"neutral","sentiment_score":0.039594776928424835},{"text":"Yep.","start":763.82,"end":764.32,"sentiment":"neutral","sentiment_score":0.19000738859176636},{"text":"Yeah.","start":780.515,"end":781.015,"sentiment":"neutral","sentiment_score":0.03196254372596741}],"sentiment":"neutral","sentiment_score":-0.049493095909173675,"num_words":13,"start":694.645,"end":781.015},{"sentences":[{"text":"No.","start":838.965,"end":839.465,"sentiment":"neutral","sentiment_score":-0.05497752130031586},{"text":"Mhmm.","start":968.15497,"end":968.65497,"sentiment":"neutral","sentiment_score":0.21007804572582245},{"text":"Mhmm.","start":1037.52,"end":1038.02,"sentiment":"neutral","sentiment_score":0.10626082867383956},{"text":"Okay.","start":1095.37,"end":1095.87,"sentiment":"neutral","sentiment_score":0.19152593612670896},{"text":"No.","start":1133.085,"end":1133.585,"sentiment":"neutral","sentiment_score":-0.1195242404937744}],"sentiment":"neutral","sentiment_score":0.06667260974645614,"num_words":5,"start":838.965,"end":1133.585},{"sentences":[{"text":"It's a lot of lot of information to digest.","start":1134.765,"end":1137.745,"sentiment":"neutral","sentiment_score":-0.07188612305455738},{"text":"Yeah.","start":1145.9099,"end":1146.4099,"sentiment":"positive","sentiment_score":0.33741453289985657},{"text":"Yeah.","start":1160.825,"end":1161.325,"sentiment":"neutral","sentiment_score":0.1506742537021637},{"text":"Okay.","start":1162.4249,"end":1162.9249,"sentiment":"neutral","sentiment_score":0.16485795378684998},{"text":"Yeah.","start":1166.1849,"end":1166.6849,"sentiment":"neutral","sentiment_score":0.23457688093185425}],"sentiment":"neutral","sentiment_score":0.018503731833054468,"num_words":13,"start":1134.765,"end":1166.6849},{"sentences":[{"text":"Yeah.","start":1175.7,"end":1176.2,"sentiment":"neutral","sentiment_score":0.08144812285900116},{"text":"Yep.","start":1191.155,"end":1191.655,"sentiment":"neutral","sentiment_score":0.09874212741851808},{"text":"Mhmm.","start":1221.725,"end":1222.225,"sentiment":"neutral","sentiment_score":0.03087979182600975},{"text":"Okay.","start":1245.885,"end":1246.385,"sentiment":"neutral","sentiment_score":0.19172033667564392},{"text":"Yep.","start":1271.22,"end":1271.72,"sentiment":"neutral","sentiment_score":0.11963686347007751}],"sentiment":"neutral","sentiment_score":0.10448544844985008,"num_words":5,"start":1175.7,"end":1271.72},{"sentences":[{"text":"Yep.","start":1289.1699,"end":1289.6699,"sentiment":"neutral","sentiment_score":0.10635165870189668},{"text":"Yep.","start":1353.49,"end":1353.99,"sentiment":"neutral","sentiment_score":0.25551527738571167},{"text":"Okay.","start":1374.4751,"end":1374.93,"sentiment":"neutral","sentiment_score":0.12814286351203918},{"text":"No.","start":1380.2101,"end":1380.7101,"sentiment":"neutral","sentiment_score":-0.13530787825584412},{"text":"Okay.","start":1448.11,"end":1448.61,"sentiment":"neutral","sentiment_score":0.16513770818710327}],"sentiment":"neutral","sentiment_score":0.10396792590618134,"num_words":5,"start":1289.1699,"end":1448.61},{"sentences":[{"text":"No.","start":1455.6951,"end":1456.175,"sentiment":"neutral","sentiment_score":-0.1084848940372467},{"text":"So if I don't agree to move forward with this, I can just I don't have to do anything else.","start":1456.175,"end":1462.735,"sentiment":"neutral","sentiment_score":-0.07469556275755167},{"text":"Right?","start":1462.735,"end":1462.975,"sentiment":"neutral","sentiment_score":0.0731046050786972},{"text":"I just remain on whatever I am on on a plan.","start":1462.975,"end":1469.3899,"sentiment":"neutral","sentiment_score":0.11609826778823679},{"text":"Yeah.","start":1474.33,"end":1474.83,"sentiment":"neutral","sentiment_score":-0.012992419302463531}],"sentiment":"neutral","sentiment_score":-0.007800088757101227,"num_words":34,"start":1455.6951,"end":1474.83},{"sentences":[{"text":"Okay.","start":1499.4501,"end":1499.9501,"sentiment":"neutral","sentiment_score":0.12232440710067748},{"text":"Do I have access to the what I'm currently on at the moment?","start":1501.21,"end":1505.39,"sentiment":"neutral","sentiment_score":0.023590139113366604},{"text":"Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I guess.","start":1509.4349,"end":1519.62,"sentiment":"neutral","sentiment_score":0.054179576023117355},{"text":"That that's page 17.","start":1536.425,"end":1537.805,"sentiment":"neutral","sentiment_score":0.013789878226816654},{"text":"Right?","start":1538.025,"end":1538.525,"sentiment":"neutral","sentiment_score":0.009826422668993471}],"sentiment":"neutral","sentiment_score":0.041431247611485776,"num_words":42,"start":1499.4501,"end":1538.525},{"sentences":[{"text":"Yes.","start":1552.3099,"end":1552.8099,"sentiment":"neutral","sentiment_score":0.015993423759937286},{"text":"Okay.","start":1574.545,"end":1575.025,"sentiment":"neutral","sentiment_score":0.12064215540885924},{"text":"Cool.","start":1575.025,"end":1575.505,"sentiment":"neutral","sentiment_score":0.21003176271915436},{"text":"Yep.","start":1575.505,"end":1576.005,"sentiment":"neutral","sentiment_score":0.14346884191036224},{"text":"Yep.","start":1590.76,"end":1591.26,"sentiment":"neutral","sentiment_score":0.07704561948776245}],"sentiment":"neutral","sentiment_score":0.11343636065721512,"num_words":5,"start":1552.3099,"end":1591.26},{"sentences":[{"text":"Okay.","start":1591.3999,"end":1591.8999,"sentiment":"neutral","sentiment_score":0.09226878732442856},{"text":"Yeah.","start":1592.415,"end":1592.915,"sentiment":"neutral","sentiment_score":0.12829799950122833},{"text":"Yeah.","start":1594.255,"end":1594.3351,"sentiment":"neutral","sentiment_score":0.16293448209762573},{"text":"It does.","start":1594.3351,"end":1594.7351,"sentiment":"neutral","sentiment_score":0.20976772904396057},{"text":"Alright.","start":1594.7351,"end":1595.2151,"sentiment":"neutral","sentiment_score":0.24814419448375705}],"sentiment":"neutral","sentiment_score":0.17519682024916014,"num_words":6,"start":1591.3999,"end":1595.2151},{"sentences":[{"text":"Thank you.","start":1595.2151,"end":1595.875,"sentiment":"positive","sentiment_score":0.5970635414123535},{"text":"Alright.","start":1618.0599,"end":1618.46,"sentiment":"positive","sentiment_score":0.4893035888671875},{"text":"Sounds good.","start":1618.46,"end":1619.26,"sentiment":"positive","sentiment_score":0.7808746993541718},{"text":"Thanks for your help.","start":1619.26,"end":1620.135,"sentiment":"positive","sentiment_score":0.8424491584300995},{"text":"Likewise.","start":1628.215,"end":1628.715,"sentiment":"positive","sentiment_score":0.5351628065109253}],"sentiment":"positive","sentiment_score":0.7150139510631561,"num_words":10,"start":1595.2151,"end":1628.715},{"sentences":[{"text":"Alright.","start":1628.855,"end":1629.255,"sentiment":"positive","sentiment_score":0.526395320892334},{"text":"Have a good one.","start":1629.255,"end":1630.235,"sentiment":"positive","sentiment_score":0.6757134944200516},{"text":"Okay.","start":1631.015,"end":1631.515,"sentiment":"neutral","sentiment_score":0.2828037142753601},{"text":"Bye.","start":1631.655,"end":1632.155,"sentiment":"neutral","sentiment_score":-0.11206939816474916}],"sentiment":"positive","sentiment_score":0.4857119449547359,"num_words":7,"start":1628.855,"end":1632.155}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Veronica from Financial.\n\nChannel 1: Hi.\n\nChannel 0: Hey. How are you?\n\nChannel 1: Good evening.\n\nChannel 0: Yeah. I'm good. Thank you. I had you booked in just to go over the strategy recommendations in regards to your superannuation investment. Is that still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. It shouldn't take too long. But before I do kind of jump in, just to be sure, 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: Yeah. That's fine.\n\nChannel 0: Perfect. And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep.\n\nChannel 1: Yeah. Willy. Date of birth is 01/25/1984. Address is 32 Arlington Park Parade, Nicollan, Victoria 3064.\n\nChannel 0: Perfect. And how's your day been so far? I've been busy.\n\nChannel 1: I'm just at work. Sorry. Trying to get through\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: yes.\n\nChannel 1: day, I guess.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Like I said, I'll tryna keep it pretty quick for you. It is fairly straightforward today. Do you have access to your emails at the moment or or not really while you're at work?\n\nChannel 1: Not really.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: was just\n\nChannel 0: okay.\n\nChannel 1: I've just actually stepped out into a a room for the call.\n\nChannel 0: Okay.\n\nChannel 1: I just so I don't have access to my emails.\n\nChannel 0: No. That's\n\nChannel 1: Although\n\nChannel 0: okay.\n\nChannel 1: hang on. I'll probably hang on. Let me see if I can access through my phone.\n\nChannel 0: Sure.\n\nChannel 1: I might just have to put you on speaker phone so I can hear and read the\n\nChannel 0: Yeah.\n\nChannel 1: emails if you need to.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Did you did you already send me something?\n\nChannel 0: Yes. About a minute ago. So it should be yeah. Can be spam as well potentially if it's not there.\n\nChannel 1: Yeah. I need to sign something. Yeah.\n\nChannel 0: Yes. But only after I've gone through the recommendation if you're happy to do so.\n\nChannel 1: Okay. Cool.\n\nChannel 0: And it will still allow you to read it. So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything. And if you don't have time to obviously fully read it right now, it's okay. You can go back and have a read over it when you're not at work and have a bit more time as well.\n\nChannel 1: Okay.\n\nChannel 0: But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now. And then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well.\n\nChannel 1: Okay.\n\nChannel 0: So let me know if you can see the cover page Where's the statement over the place?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now it is pretty straightforward. It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything. And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you.\n\nBut I'll try to keep it as as quick as I can and cover the main points. But, basically, it has been tailored specifically for you, and it is my recommendation. But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not. On the cover page, you can also see my details listed. You can see my authorized representative number, and I am licensed under OCU Financial.\n\nChannel 1: Okay.\n\nChannel 0: Now second page talks about the best interest duty. You may have heard of that before. But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now as you scroll through, you will see a couple of pages in regards to scoping in and\n\nChannel 1: Yep.\n\nChannel 0: scoping out. Basically, what that refers to is the areas we are touching on today. So like I said, pretty straightforward. The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees. And I've also just included estate planning in regards to your insurances, making sure that's also set up.\n\nWe have everything for your superannuation, but just included that for your insurance as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today. Now if you can scroll down to page let's see here. 10 for me. It should talk about your risk profile.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio. You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible. So I have not made a change in regards to that. We're keeping you in a high growth for you.\n\nNow what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive. Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time.\n\nChannel 1: Okay.\n\nChannel 0: Make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12. This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments. So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out. So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation.\n\nBut for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well. So for the time being, I have recommended that we just change over some of the investments. Now I usually find the best way to have a look at it. So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you. You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered.\n\nBut I usually find the best way to look at it is if you want to scroll down to page 15 for me first. And you should have a fee comparison table. Can you see\n\nChannel 1: Yep.\n\nChannel 0: that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it. But like I said, I have recommended that you stay in Hub 24 and change your investment. Now what that actually looks like, you can see the change here.\n\nSo you can see that the investment fee is actually reduced by quite a lot by changing your investment. So it will save you about $384 per year in just investment fees alone. Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550. Can you see that? Like, the first row where it says balance.\n\nChannel 1: Yeah. So the current column?\n\nChannel 0: The difference column.\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: Yep. Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable. So that's the same in a super environment when you sell investments. So I've tried to keep this as little as possible for you. Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635.\n\nSo I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position. It is something I want you to be mindful of, though, and it does fluctuate on a daily. Obviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change. So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Yep. Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average. So even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit. Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average.\n\nBecause using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period. Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great. So that's why we like to use a five year rolling average when we are looking at forecasting and historical\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that make sense? Yeah. Do you have any questions in regards to this table otherwise?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. No.\n\nChannel 1: I probably\n\nChannel 0: That's\n\nChannel 1: will\n\nChannel 0: okay.\n\nChannel 1: once I've had a proper\n\nChannel 0: Yeah.\n\nChannel 1: look. Yeah.\n\nChannel 0: No. That's perfectly fine. Now on your scroll to the next page, you can then see things forecasted for five and ten years. So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same. It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.\n\nNow you can also see the table underneath it. I have included a bit more in regards to the historical returns. So you can see twelve months, three years, five years, and ten years. And you can see that across all time frames, the recommended has still outperformed your current portfolio. Makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what that actually looks like in terms of the recommended investment changes is outlined on page 17. You should have a investment table. It might be a\n\nChannel 1: Yeah.\n\nChannel 0: little bit tricky on the phone, but, essentially, what it is, you can see all the investments. You can see the little special code associated with them. You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column. So everything in red is what we are looking at selling, and black is what we are buying. Now you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure.\n\nSo you can see that we are not changing all of the investments, just a couple. Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed. So we're still using that core satellite approach to investing. Have you ever heard of that before?\n\nChannel 1: No.\n\nChannel 0: No. Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified. So these are like your biggest shareholding. So you can see, for example, at 35%, you have the iShares S and P 500. You already have that in your portfolio before.\n\nWe are just increasing the allocation a little bit. Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment. So, obviously, very diversified. It gives you good exposure. Another one is your 25% at the beta shares Australia 200.\n\nNow this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio. That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market. That one here basically invests in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, very diversified, and that is why they have the higher allocation allocated to them.\n\nNow what the other investments are is what we then call your satellite investment. Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you. But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments. Does that make sense so far? Yeah.\n\nPerfect. So you\n\nChannel 1: Mhmm.\n\nChannel 0: can see we are keeping, for example, beta share cybersecurity in your portfolio. Just increasing it just slightly to 6%. Same with the iShares Europe. You already have that in your portfolio. Again, just increasing it a little bit to 9%.\n\nWe are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US. We wanna give you good diversification. That also comes into play, the one underneath it, which is your Vanguard All World. Now you may have heard of Vanguard before. They're quite big.\n\nBut, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500. And we don't wanna have two overexposure into one market either. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And now we also then have your your defensive investment. So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page. You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest. So, again, trying to limit fluctuation, and that basically gives you the portfolio.\n\nNow if you wanted to, when you have a bit more time, go and read up on these investments as well. In the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments. So full transparency, so you can go and have a look at them if you would like to as well.\n\nChannel 1: Okay.\n\nChannel 0: Now you will also see just the cash account on the same page 18. With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything. So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth. So we have to keep about a minimum of that 1.25 in hub 24 for you. Any questions so far?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: It's a lot of\n\nChannel 0: Now\n\nChannel 1: lot of information to digest.\n\nChannel 0: very much, which is why I want you as well, especially when you're not at work, to take some time. The\n\nChannel 1: Yeah.\n\nChannel 0: document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it. And if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up\n\nChannel 1: Yeah.\n\nChannel 0: to go through it.\n\nChannel 1: Okay.\n\nChannel 0: And that's why there is so much it's quite wordy, this document, and\n\nChannel 1: Yeah.\n\nChannel 0: it is to allow you the opportunity as well. So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well.\n\nChannel 1: Yeah.\n\nChannel 0: Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations. You can see your existing portfolio and then the proposed. But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And the last thing is just in regards to your beneficiary. So like I said, we have everything sorted for your superannuation, which is fantastic. I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up. So if something were to happen to you, that it would go to your partner.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now I have also just included some information in regards to setting up a will and power of attorney. It is something I always recommend everyone to consider. So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track.\n\nChannel 1: Yep.\n\nChannel 0: Now the last thing is just in regards to the ongoing advice fee. So if you wanna scroll down to page 29 for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So like I mentioned during the under review, there is no changes in regards to the fee structure. It stays exactly the same at 1.65 from Super. There is no additional fees and charges for, obviously, this advice. And if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that.\n\nIt's also not a lock in contract. So if at any point in time, you are not happy. It is not a lock in contract. We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations. But then, also, if you're not it's like a a full commitment for a full year as well.\n\nIt is just deducted monthly for you. Makes sense? Yep. Now I have also just shown you the Clearview insurances. So with\n\nChannel 1: Yep.\n\nChannel 0: insurances, we do get commission, which is 22% of the premium ongoing. Now that is Clearview paying us, though. It is not you paying us. But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Do you have any questions in regards to any of that so far?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And that basically summarizes everything. So on the next couple of pages, it just shows you the authority to proceed. And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination.\n\nBut like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document. If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through. If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now. Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation.\n\nChannel 1: Okay.\n\nChannel 0: Now do you have any questions before I let you go back to work otherwise?\n\nChannel 1: No. So if I don't agree to move forward with this, I can\n\nChannel 0: Mhmm.\n\nChannel 1: just I don't have to do anything else. Right? I just remain on whatever I am on on a\n\nChannel 0: Correct. Correct.\n\nChannel 1: plan.\n\nChannel 0: I do ask if it's possible for you to email me just so that I know that you have made a decision. So\n\nChannel 1: Yeah.\n\nChannel 0: whether you email me and just say, hey. I've decided not to go ahead. That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide. But, yes, the choice is completely yours. If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Do I have access to the what I'm currently on at the moment?\n\nChannel 0: What do you mean what you're currently on?\n\nChannel 1: Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I\n\nChannel 0: Yes.\n\nChannel 1: guess.\n\nChannel 0: So yeah. No. So when you went back up to that table so first on the investments, you will see it in that investment table switch. You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly.\n\nChannel 1: That that's page 17. Right?\n\nChannel 0: Let me just I'll just scroll up just so I can tell you for sure. Yes. Correct. So you can see the the column versus current weight. So that is what you are currently in.\n\nSo if you\n\nChannel 1: Yes.\n\nChannel 0: decide you don't wanna change, that stays the same. If you then scroll back to page 15, you can see the current column. So that is all your current fees and the current returns and everything. So, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Yep. And that's the same with that table on page 16. You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Does does\n\nChannel 1: Yeah.\n\nChannel 0: that answer that question for you?\n\nChannel 1: Yeah. It does. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect. No. That's okay. So I will let you go and get back to work. I know there's a lot to process, so so take your time.\n\nAny questions, just let me know what you want to do at the end the day. And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you.\n\nChannel 1: Alright. Sounds good. Thanks for your help.\n\nChannel 0: No worries. No. That is no problem at all. It was lovely speaking with you today, and thank you so much for your time. And I hope you enjoy the rest of your afternoon.\n\nChannel 1: Likewise. Alright. Have a good\n\nChannel 0: Thank\n\nChannel 1: one.\n\nChannel 0: you so much. You too.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":7.2799997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.2438613548874855},{"text":"This is Veronica from Financial.","start":7.9199996,"end":9.46,"sentiment":"neutral","sentiment_score":0.16580950319767}],"sentiment":"neutral","sentiment_score":0.18811003225190298,"channel":0,"num_words":7,"start":7.2799997,"end":9.46},{"sentences":[{"text":"Hi.","start":11.28,"end":11.78,"sentiment":"neutral","sentiment_score":0.142264723777771}],"sentiment":"neutral","sentiment_score":0.142264723777771,"channel":1,"num_words":1,"start":11.28,"end":11.78},{"sentences":[{"text":"Hey.","start":12.575001,"end":12.735001,"sentiment":"neutral","sentiment_score":0.1979483962059021},{"text":"How are you?","start":12.735001,"end":13.715,"sentiment":"neutral","sentiment_score":0.21788835525512695}],"sentiment":"neutral","sentiment_score":0.21290336549282074,"channel":0,"num_words":4,"start":12.575001,"end":13.715},{"sentences":[{"text":"Good evening.","start":13.759999,"end":14.66,"sentiment":"positive","sentiment_score":0.39188291132450104}],"sentiment":"positive","sentiment_score":0.39188291132450104,"channel":1,"num_words":2,"start":13.759999,"end":14.66},{"sentences":[{"text":"Yeah.","start":15.215,"end":15.535,"sentiment":"positive","sentiment_score":0.4920712113380432},{"text":"I'm good.","start":15.535,"end":16.175,"sentiment":"positive","sentiment_score":0.7122931778430939},{"text":"Thank you.","start":16.175,"end":16.915,"sentiment":"positive","sentiment_score":0.7592152953147888},{"text":"I had you booked in just to go over the strategy recommendations in regards to your superannuation investment.","start":18.015,"end":24.654999,"sentiment":"positive","sentiment_score":0.34874845378928715},{"text":"Is that still a good time for you?","start":24.654999,"end":26.37,"sentiment":"neutral","sentiment_score":0.26318252459168434}],"sentiment":"positive","sentiment_score":0.3812264684707888,"channel":0,"num_words":31,"start":15.215,"end":26.37},{"sentences":[{"text":"Yep.","start":26.494999,"end":26.994999,"sentiment":"neutral","sentiment_score":0.08946578949689865}],"sentiment":"neutral","sentiment_score":0.08946578949689865,"channel":1,"num_words":1,"start":26.494999,"end":26.994999},{"sentences":[{"text":"Yeah.","start":27.570002,"end":27.890001,"sentiment":"neutral","sentiment_score":0.10975616425275804},{"text":"Okay.","start":27.890001,"end":28.390001,"sentiment":"neutral","sentiment_score":0.17954427003860474},{"text":"Perfect.","start":28.45,"end":28.95,"sentiment":"positive","sentiment_score":0.4270353615283966},{"text":"It shouldn't take too long.","start":29.01,"end":31.03,"sentiment":"neutral","sentiment_score":0.2930110275745392},{"text":"But before I do kind of jump in, just to be sure, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.25,"end":39.99,"sentiment":"neutral","sentiment_score":0.1028691687141404}],"sentiment":"neutral","sentiment_score":0.1360017927136363,"channel":0,"num_words":41,"start":27.570002,"end":39.99},{"sentences":[{"text":"Yeah.","start":40.39,"end":40.63,"sentiment":"neutral","sentiment_score":0.1533115953207016},{"text":"That's fine.","start":40.63,"end":41.45,"sentiment":"neutral","sentiment_score":0.25448208302259445}],"sentiment":"neutral","sentiment_score":0.2207585871219635,"channel":1,"num_words":3,"start":40.39,"end":41.45},{"sentences":[{"text":"Perfect.","start":42.045,"end":42.545,"sentiment":"positive","sentiment_score":0.41660913825035095},{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":42.765,"end":52.305,"sentiment":"neutral","sentiment_score":0.13022753153927624},{"text":"Yep.","start":52.47,"end":52.97,"sentiment":"neutral","sentiment_score":0.04071704298257828}],"sentiment":"neutral","sentiment_score":0.13601785854381673,"channel":0,"num_words":34,"start":42.045,"end":52.97},{"sentences":[{"text":"Yeah.","start":53.155,"end":53.475,"sentiment":"neutral","sentiment_score":0.04840691387653351},{"text":"Willy.","start":53.475,"end":53.975,"sentiment":"neutral","sentiment_score":0.05386720225214958},{"text":"Date of birth is 01/25/1984.","start":54.035,"end":56.375,"sentiment":"neutral","sentiment_score":0.06256333887577056},{"text":"Address is 32 Arlington Park Parade, Nicollan, Victoria 3064.","start":57.96,"end":62.7,"sentiment":"neutral","sentiment_score":0.06739826914336947}],"sentiment":"neutral","sentiment_score":0.06385470204986632,"channel":1,"num_words":16,"start":53.155,"end":62.7},{"sentences":[{"text":"Perfect.","start":63.27,"end":63.77,"sentiment":"neutral","sentiment_score":0.30709296464920044},{"text":"And how's your day been so far?","start":63.91,"end":65.43,"sentiment":"neutral","sentiment_score":0.1584657547729356},{"text":"I've been busy.","start":65.43,"end":66.25,"sentiment":"neutral","sentiment_score":-0.24312100311120352}],"sentiment":"neutral","sentiment_score":0.06245365806601264,"channel":0,"num_words":11,"start":63.27,"end":66.25},{"sentences":[{"text":"I'm just at work.","start":67.16,"end":68.2,"sentiment":"neutral","sentiment_score":-0.22967097908258438},{"text":"Sorry.","start":68.2,"end":68.7,"sentiment":"neutral","sentiment_score":-0.2058744728565216},{"text":"Trying to get through","start":69.08,"end":69.88,"sentiment":"neutral","sentiment_score":-0.16151290759444237}],"sentiment":"neutral","sentiment_score":-0.19673444661829206,"channel":1,"num_words":9,"start":67.16,"end":69.88},{"sentences":[{"text":"So","start":69.825005,"end":69.865005,"sentiment":"neutral","sentiment_score":-0.08869791775941849}],"sentiment":"neutral","sentiment_score":-0.08869791775941849,"channel":0,"num_words":1,"start":69.825005,"end":69.865005},{"sentences":[{"text":"the","start":69.88,"end":70.04,"sentiment":"neutral","sentiment_score":-0.035737935453653336}],"sentiment":"neutral","sentiment_score":-0.035737935453653336,"channel":1,"num_words":1,"start":69.88,"end":70.04},{"sentences":[{"text":"yes.","start":69.905,"end":70.405,"sentiment":"neutral","sentiment_score":-0.007127085700631142}],"sentiment":"neutral","sentiment_score":-0.007127085700631142,"channel":0,"num_words":1,"start":69.905,"end":70.405},{"sentences":[{"text":"day, I guess.","start":70.04,"end":70.94,"sentiment":"neutral","sentiment_score":-0.043316533168156944}],"sentiment":"neutral","sentiment_score":-0.043316533168156944,"channel":1,"num_words":3,"start":70.04,"end":70.94},{"sentences":[{"text":"Yeah.","start":71.985,"end":72.385,"sentiment":"neutral","sentiment_score":0.0061896685510873795}],"sentiment":"neutral","sentiment_score":0.0061896685510873795,"channel":0,"num_words":1,"start":71.985,"end":72.385},{"sentences":[{"text":"Mhmm.","start":72.345,"end":72.845,"sentiment":"neutral","sentiment_score":0.018529631197452545}],"sentiment":"neutral","sentiment_score":0.018529631197452545,"channel":1,"num_words":1,"start":72.345,"end":72.845},{"sentences":[{"text":"Like I said, I'll tryna keep it pretty quick for you.","start":72.385,"end":74.785,"sentiment":"neutral","sentiment_score":0.16211274096911604},{"text":"It is fairly straightforward today.","start":74.785,"end":76.725,"sentiment":"neutral","sentiment_score":0.2948490470647812},{"text":"Do you have access to your emails at the moment or or not really while you're at work?","start":78.305,"end":82.65,"sentiment":"neutral","sentiment_score":-0.013947106897830963}],"sentiment":"neutral","sentiment_score":0.08842463123009485,"channel":0,"num_words":34,"start":72.385,"end":82.65},{"sentences":[{"text":"Not really.","start":83.785,"end":84.685,"sentiment":"neutral","sentiment_score":-0.10421689972281456}],"sentiment":"neutral","sentiment_score":-0.10421689972281456,"channel":1,"num_words":2,"start":83.785,"end":84.685},{"sentences":[{"text":"No.","start":85.770004,"end":85.93,"sentiment":"neutral","sentiment_score":-0.15014810860157013}],"sentiment":"neutral","sentiment_score":-0.15014810860157013,"channel":0,"num_words":1,"start":85.770004,"end":85.93},{"sentences":[{"text":"I","start":85.909996,"end":85.99,"sentiment":"neutral","sentiment_score":-0.1217699572443962}],"sentiment":"neutral","sentiment_score":-0.1217699572443962,"channel":1,"num_words":1,"start":85.909996,"end":85.99},{"sentences":[{"text":"That's","start":85.93,"end":86.33,"sentiment":"neutral","sentiment_score":-0.110416017472744}],"sentiment":"neutral","sentiment_score":-0.110416017472744,"channel":0,"num_words":1,"start":85.93,"end":86.33},{"sentences":[{"text":"was just","start":85.99,"end":86.31,"sentiment":"neutral","sentiment_score":-0.10803177207708359}],"sentiment":"neutral","sentiment_score":-0.10803177207708359,"channel":1,"num_words":2,"start":85.99,"end":86.31},{"sentences":[{"text":"okay.","start":86.33,"end":86.83,"sentiment":"neutral","sentiment_score":-0.040847230702638626}],"sentiment":"neutral","sentiment_score":-0.040847230702638626,"channel":0,"num_words":1,"start":86.33,"end":86.83},{"sentences":[{"text":"I've just actually stepped out into a a room for the call.","start":87.10999,"end":90.17,"sentiment":"neutral","sentiment_score":-0.029406281809012096}],"sentiment":"neutral","sentiment_score":-0.029406281809012096,"channel":1,"num_words":12,"start":87.10999,"end":90.17},{"sentences":[{"text":"Okay.","start":90.090004,"end":90.590004,"sentiment":"neutral","sentiment_score":-0.07728017866611481}],"sentiment":"neutral","sentiment_score":-0.07728017866611481,"channel":0,"num_words":1,"start":90.090004,"end":90.590004},{"sentences":[{"text":"I just so I don't have access to my emails.","start":91.10999,"end":93.28999,"sentiment":"neutral","sentiment_score":-0.14260626956820488}],"sentiment":"neutral","sentiment_score":-0.14260626956820488,"channel":1,"num_words":10,"start":91.10999,"end":93.28999},{"sentences":[{"text":"No.","start":94.090004,"end":94.590004,"sentiment":"neutral","sentiment_score":-0.1297941952943802},{"text":"That's","start":94.65,"end":95.05,"sentiment":"neutral","sentiment_score":-0.09567975997924805}],"sentiment":"neutral","sentiment_score":-0.11273697763681412,"channel":0,"num_words":2,"start":94.090004,"end":95.05},{"sentences":[{"text":"Although","start":94.71,"end":95.189995,"sentiment":"neutral","sentiment_score":-0.09989219158887865}],"sentiment":"neutral","sentiment_score":-0.09989219158887865,"channel":1,"num_words":1,"start":94.71,"end":95.189995},{"sentences":[{"text":"okay.","start":95.05,"end":95.55,"sentiment":"neutral","sentiment_score":-0.07748778909444809}],"sentiment":"neutral","sentiment_score":-0.07748778909444809,"channel":0,"num_words":1,"start":95.05,"end":95.55},{"sentences":[{"text":"hang on.","start":95.42999,"end":96.229996,"sentiment":"neutral","sentiment_score":-0.09169743955135345},{"text":"I'll probably hang on.","start":96.229996,"end":97.59,"sentiment":"neutral","sentiment_score":-0.053368983790278435},{"text":"Let me see if I can access through my phone.","start":97.59,"end":99.77,"sentiment":"neutral","sentiment_score":-0.04451577365398407}],"sentiment":"neutral","sentiment_score":-0.052626784425228834,"channel":1,"num_words":16,"start":95.42999,"end":99.77},{"sentences":[{"text":"Sure.","start":100.365,"end":100.865,"sentiment":"neutral","sentiment_score":-0.00017428770661354065}],"sentiment":"neutral","sentiment_score":-0.00017428770661354065,"channel":0,"num_words":1,"start":100.365,"end":100.865},{"sentences":[{"text":"I might just have to put you on speaker phone so I can hear and read the","start":100.665,"end":104.345,"sentiment":"neutral","sentiment_score":-0.0008272348957903246}],"sentiment":"neutral","sentiment_score":-0.0008272348957903246,"channel":1,"num_words":17,"start":100.665,"end":104.345},{"sentences":[{"text":"Yeah.","start":103.965,"end":104.465,"sentiment":"neutral","sentiment_score":-0.00606031809002161}],"sentiment":"neutral","sentiment_score":-0.00606031809002161,"channel":0,"num_words":1,"start":103.965,"end":104.465},{"sentences":[{"text":"emails if you need to.","start":104.345,"end":105.725,"sentiment":"neutral","sentiment_score":-0.011942657642066479}],"sentiment":"neutral","sentiment_score":-0.011942657642066479,"channel":1,"num_words":5,"start":104.345,"end":105.725},{"sentences":[{"text":"Yeah.","start":106.125,"end":106.445,"sentiment":"neutral","sentiment_score":0.015494531020522118},{"text":"That's okay.","start":106.445,"end":107.265,"sentiment":"neutral","sentiment_score":0.030786768533289433}],"sentiment":"neutral","sentiment_score":0.02568935602903366,"channel":0,"num_words":3,"start":106.125,"end":107.265},{"sentences":[{"text":"Did you did you already send me something?","start":118.58,"end":120.520004,"sentiment":"neutral","sentiment_score":-0.017154360888525844}],"sentiment":"neutral","sentiment_score":-0.017154360888525844,"channel":1,"num_words":8,"start":118.58,"end":120.520004},{"sentences":[{"text":"Yes.","start":121.674995,"end":121.994995,"sentiment":"neutral","sentiment_score":-0.02127976343035698},{"text":"About a minute ago.","start":121.994995,"end":123.695,"sentiment":"neutral","sentiment_score":-0.059871901758015156},{"text":"So it should be yeah.","start":124.954994,"end":127.454994,"sentiment":"neutral","sentiment_score":-0.10024841129779816},{"text":"Can be spam as well potentially if it's not there.","start":129.275,"end":132.175,"sentiment":"neutral","sentiment_score":-0.303520168364048}],"sentiment":"neutral","sentiment_score":-0.1898605555295944,"channel":0,"num_words":20,"start":121.674995,"end":132.175},{"sentences":[{"text":"Yeah.","start":138.66501,"end":138.985,"sentiment":"neutral","sentiment_score":-0.10856728255748747},{"text":"I need to sign something.","start":138.985,"end":140.185,"sentiment":"neutral","sentiment_score":-0.11708495765924454},{"text":"Yeah.","start":140.185,"end":140.55,"sentiment":"neutral","sentiment_score":-0.011320823803544044}],"sentiment":"neutral","sentiment_score":-0.10075898495103632,"channel":1,"num_words":7,"start":138.66501,"end":140.55},{"sentences":[{"text":"Yes.","start":141.93001,"end":142.25,"sentiment":"neutral","sentiment_score":0.018846936523914337},{"text":"But only after I've gone through the recommendation if you're happy to do so.","start":142.25,"end":145.875,"sentiment":"neutral","sentiment_score":0.03720473391669137}],"sentiment":"neutral","sentiment_score":0.0359808807571729,"channel":0,"num_words":15,"start":141.93001,"end":145.875},{"sentences":[{"text":"Okay.","start":146.07,"end":146.47,"sentiment":"neutral","sentiment_score":0.07763853669166565},{"text":"Cool.","start":146.47,"end":146.97,"sentiment":"neutral","sentiment_score":0.004460872616618872}],"sentiment":"neutral","sentiment_score":0.04104970465414226,"channel":1,"num_words":2,"start":146.07,"end":146.97},{"sentences":[{"text":"And it will still allow you to read it.","start":147.075,"end":149.815,"sentiment":"positive","sentiment_score":0.4049160016907586},{"text":"So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything.","start":150.355,"end":158.595,"sentiment":"positive","sentiment_score":0.3404296434351376},{"text":"And if you don't have time to obviously fully read it right now, it's okay.","start":158.595,"end":162.51999,"sentiment":"positive","sentiment_score":0.3432592997948329},{"text":"You can go back and have a read over it when you're not at work and have a bit more time as well.","start":162.98,"end":167.56,"sentiment":"positive","sentiment_score":0.45162512426790985}],"sentiment":"positive","sentiment_score":0.38283388515313466,"channel":0,"num_words":75,"start":147.075,"end":167.56},{"sentences":[{"text":"Okay.","start":167.865,"end":168.3,"sentiment":"neutral","sentiment_score":0.33251142501831055}],"sentiment":"neutral","sentiment_score":0.33251142501831055,"channel":1,"num_words":1,"start":167.865,"end":168.3},{"sentences":[{"text":"But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now.","start":168.18,"end":174.495,"sentiment":"positive","sentiment_score":0.4838990489641825},{"text":"And then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well.","start":174.55501,"end":179.855,"sentiment":"positive","sentiment_score":0.4414253097314101}],"sentiment":"positive","sentiment_score":0.4641790986061096,"channel":0,"num_words":56,"start":168.18,"end":179.855},{"sentences":[{"text":"Okay.","start":181.18001,"end":181.68001,"sentiment":"neutral","sentiment_score":0.07300254702568054}],"sentiment":"neutral","sentiment_score":0.07300254702568054,"channel":1,"num_words":1,"start":181.18001,"end":181.68001},{"sentences":[{"text":"So let me know if you can see the cover page Where's the statement over the place?","start":182.475,"end":192.04001,"sentiment":"neutral","sentiment_score":0.03470952896510854}],"sentiment":"neutral","sentiment_score":0.03470952896510854,"channel":0,"num_words":17,"start":182.475,"end":192.04001},{"sentences":[{"text":"Yep.","start":193.19499,"end":193.69499,"sentiment":"neutral","sentiment_score":0.13198032975196838}],"sentiment":"neutral","sentiment_score":0.13198032975196838,"channel":1,"num_words":1,"start":193.19499,"end":193.69499},{"sentences":[{"text":"Yep.","start":194.18001,"end":194.68001,"sentiment":"neutral","sentiment_score":0.25271135568618774},{"text":"Perfect.","start":194.82,"end":195.32,"sentiment":"positive","sentiment_score":0.5858665108680725},{"text":"Now it is pretty straightforward.","start":196.5,"end":197.88,"sentiment":"positive","sentiment_score":0.5051526069641114},{"text":"It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything.","start":198.18001,"end":203.8,"sentiment":"neutral","sentiment_score":0.29860014664499385},{"text":"And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you.","start":204.235,"end":213.295,"sentiment":"neutral","sentiment_score":0.3118170563663755}],"sentiment":"neutral","sentiment_score":0.32904854196089284,"channel":0,"num_words":54,"start":194.18001,"end":213.295},{"sentences":[{"text":"But I'll try to keep it as as quick as I can and cover the main points.","start":213.75499,"end":217.775,"sentiment":"neutral","sentiment_score":0.3225136188899769},{"text":"But, basically, it has been tailored specifically for you, and it is my recommendation.","start":218.67,"end":223.48999,"sentiment":"positive","sentiment_score":0.37506527666534695},{"text":"But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not.","start":223.79,"end":229.41,"sentiment":"neutral","sentiment_score":0.25401658163620877},{"text":"On the cover page, you can also see my details listed.","start":230.205,"end":233.245,"sentiment":"neutral","sentiment_score":0.11279673671180551},{"text":"You can see my authorized representative number, and I am licensed under OCU Financial.","start":233.245,"end":238.385,"sentiment":"neutral","sentiment_score":0.10793416255286761}],"sentiment":"neutral","sentiment_score":0.24499901093360854,"channel":0,"num_words":82,"start":213.75499,"end":238.385},{"sentences":[{"text":"Okay.","start":239.25,"end":239.75,"sentiment":"neutral","sentiment_score":0.1028297021985054}],"sentiment":"neutral","sentiment_score":0.1028297021985054,"channel":1,"num_words":1,"start":239.25,"end":239.75},{"sentences":[{"text":"Now second page talks about the best interest duty.","start":240.36499,"end":243.98,"sentiment":"neutral","sentiment_score":0.042844305435816445},{"text":"You may have heard of that before.","start":243.98,"end":246.15999,"sentiment":"neutral","sentiment_score":0.0281880721449852},{"text":"But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":247.34,"end":257.68,"sentiment":"neutral","sentiment_score":0.07026010433978894},{"text":"Otherwise, we can't actually make the recommendation.","start":258.125,"end":260.38498,"sentiment":"neutral","sentiment_score":-0.1208839767745563},{"text":"Does that make sense?","start":260.76498,"end":261.905,"sentiment":"neutral","sentiment_score":0.03132252302020788}],"sentiment":"neutral","sentiment_score":0.036899361576213215,"channel":0,"num_words":61,"start":240.36499,"end":261.905},{"sentences":[{"text":"Yep.","start":262.38,"end":262.88,"sentiment":"neutral","sentiment_score":0.07946562767028809}],"sentiment":"neutral","sentiment_score":0.07946562767028809,"channel":1,"num_words":1,"start":262.38,"end":262.88},{"sentences":[{"text":"Yep.","start":263.005,"end":263.505,"sentiment":"neutral","sentiment_score":0.14564070105552673},{"text":"Perfect.","start":263.645,"end":264.145,"sentiment":"positive","sentiment_score":0.3735676109790802},{"text":"Now as you scroll through, you will see a couple of pages in regards to scoping in and","start":264.60498,"end":272.32,"sentiment":"neutral","sentiment_score":0.07903487959669696}],"sentiment":"neutral","sentiment_score":0.09709180723875761,"channel":0,"num_words":20,"start":263.005,"end":272.32},{"sentences":[{"text":"Yep.","start":272.275,"end":272.775,"sentiment":"neutral","sentiment_score":0.05750315636396408}],"sentiment":"neutral","sentiment_score":0.05750315636396408,"channel":1,"num_words":1,"start":272.275,"end":272.775},{"sentences":[{"text":"scoping out.","start":272.32,"end":273.46002,"sentiment":"neutral","sentiment_score":0.06433350220322609},{"text":"Basically, what that refers to is the areas we are touching on today.","start":273.68002,"end":277.7,"sentiment":"neutral","sentiment_score":0.06748018514078397},{"text":"So like I said, pretty straightforward.","start":277.84003,"end":279.54,"sentiment":"positive","sentiment_score":0.38533884783585864},{"text":"The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees.","start":280.40002,"end":295.615,"sentiment":"positive","sentiment_score":0.5862376235033336},{"text":"And I've also just included estate planning in regards to your insurances, making sure that's also set up.","start":295.615,"end":302.94,"sentiment":"positive","sentiment_score":0.4667052510711882}],"sentiment":"positive","sentiment_score":0.4415021650735047,"channel":0,"num_words":77,"start":272.32,"end":302.94},{"sentences":[{"text":"We have everything for your superannuation, but just included that for your insurance as well.","start":303.42,"end":308.86002,"sentiment":"positive","sentiment_score":0.3856596430142721},{"text":"Okay?","start":308.86002,"end":309.36002,"sentiment":"neutral","sentiment_score":0.16530431807041168}],"sentiment":"positive","sentiment_score":0.3718874352052808,"channel":0,"num_words":16,"start":303.42,"end":309.36002},{"sentences":[{"text":"Okay.","start":310.005,"end":310.505,"sentiment":"neutral","sentiment_score":0.14093312621116638}],"sentiment":"neutral","sentiment_score":0.14093312621116638,"channel":1,"num_words":1,"start":310.005,"end":310.505},{"sentences":[{"text":"Yep.","start":310.78,"end":311.28,"sentiment":"neutral","sentiment_score":0.15982338786125183},{"text":"Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today.","start":311.5,"end":320.905,"sentiment":"neutral","sentiment_score":-0.16432049910404853},{"text":"Now if you can scroll down to page let's see here.","start":322.565,"end":328.265,"sentiment":"neutral","sentiment_score":0.027541574090719223},{"text":"10 for me.","start":329.125,"end":330.165,"sentiment":"neutral","sentiment_score":0.028404129669070244},{"text":"It should talk about your risk profile.","start":330.165,"end":332.345,"sentiment":"neutral","sentiment_score":0.023242094154868807}],"sentiment":"neutral","sentiment_score":-0.07780572447925806,"channel":0,"num_words":50,"start":310.78,"end":332.345},{"sentences":[{"text":"Yeah.","start":333.355,"end":333.855,"sentiment":"neutral","sentiment_score":0.11275646835565568}],"sentiment":"neutral","sentiment_score":0.11275646835565568,"channel":1,"num_words":1,"start":333.355,"end":333.855},{"sentences":[{"text":"Yep.","start":334.27,"end":334.77,"sentiment":"neutral","sentiment_score":0.18534696102142337},{"text":"So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio.","start":334.99,"end":346.57498,"sentiment":"positive","sentiment_score":0.364433299629919},{"text":"You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible.","start":347.115,"end":354.895,"sentiment":"positive","sentiment_score":0.4513611387122761},{"text":"So I have not made a change in regards to that.","start":356.07498,"end":359.115,"sentiment":"neutral","sentiment_score":-0.08772314339876175},{"text":"We're keeping you in a high growth for you.","start":359.115,"end":361.65,"sentiment":"positive","sentiment_score":0.5484411617120107}],"sentiment":"positive","sentiment_score":0.3430235159356852,"channel":0,"num_words":74,"start":334.27,"end":361.65},{"sentences":[{"text":"Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive.","start":361.97,"end":380.775,"sentiment":"neutral","sentiment_score":0.236160927093946},{"text":"Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time.","start":380.995,"end":389.735,"sentiment":"neutral","sentiment_score":0.2877243161201477}],"sentiment":"neutral","sentiment_score":0.25770980608997063,"channel":0,"num_words":67,"start":361.97,"end":389.735},{"sentences":[{"text":"Okay.","start":391.67,"end":392.17,"sentiment":"neutral","sentiment_score":0.12663695216178894}],"sentiment":"neutral","sentiment_score":0.12663695216178894,"channel":1,"num_words":1,"start":391.67,"end":392.17},{"sentences":[{"text":"Make sense?","start":392.0,"end":392.74,"sentiment":"neutral","sentiment_score":0.11482638120651245}],"sentiment":"neutral","sentiment_score":0.11482638120651245,"channel":0,"num_words":2,"start":392.0,"end":392.74},{"sentences":[{"text":"Yep.","start":392.95,"end":393.45,"sentiment":"neutral","sentiment_score":0.1212317943572998}],"sentiment":"neutral","sentiment_score":0.1212317943572998,"channel":1,"num_words":1,"start":392.95,"end":393.45},{"sentences":[{"text":"Yep.","start":393.84,"end":394.34,"sentiment":"neutral","sentiment_score":0.13345865905284882},{"text":"Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12.","start":394.64,"end":400.58,"sentiment":"neutral","sentiment_score":0.13641943743354396},{"text":"This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments.","start":401.44,"end":410.83502,"sentiment":"neutral","sentiment_score":0.1641298465075947},{"text":"So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out.","start":411.135,"end":424.19,"sentiment":"neutral","sentiment_score":0.23501015697484431},{"text":"So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation.","start":424.19,"end":431.92502,"sentiment":"neutral","sentiment_score":0.3225895008072257}],"sentiment":"neutral","sentiment_score":0.2227456755600534,"channel":0,"num_words":111,"start":393.84,"end":431.92502},{"sentences":[{"text":"But for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well.","start":432.625,"end":445.62,"sentiment":"positive","sentiment_score":0.6009816323007856},{"text":"So for the time being, I have recommended that we just change over some of the investments.","start":446.9,"end":451.96,"sentiment":"positive","sentiment_score":0.3969084077021655},{"text":"Now I usually find the best way to have a look at it.","start":453.06,"end":457.22,"sentiment":"positive","sentiment_score":0.5069708709533398},{"text":"So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you.","start":457.22,"end":471.6,"sentiment":"positive","sentiment_score":0.5397280883498308},{"text":"You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered.","start":472.08002,"end":479.78,"sentiment":"neutral","sentiment_score":0.15353538064906994}],"sentiment":"positive","sentiment_score":0.4779428214345488,"channel":0,"num_words":124,"start":432.625,"end":479.78},{"sentences":[{"text":"But I usually find the best way to look at it is if you want to scroll down to page 15 for me first.","start":480.32,"end":486.34,"sentiment":"neutral","sentiment_score":0.33304666851957637},{"text":"And you should have a fee comparison table.","start":489.47498,"end":492.435,"sentiment":"neutral","sentiment_score":0.25476340763270855},{"text":"Can you see","start":492.435,"end":493.07498,"sentiment":"neutral","sentiment_score":0.10918305814266205}],"sentiment":"neutral","sentiment_score":0.2959650422845568,"channel":0,"num_words":35,"start":480.32,"end":493.07498},{"sentences":[{"text":"Yep.","start":492.945,"end":493.445,"sentiment":"neutral","sentiment_score":0.09193950146436693}],"sentiment":"neutral","sentiment_score":0.09193950146436693,"channel":1,"num_words":1,"start":492.945,"end":493.445},{"sentences":[{"text":"that?","start":493.07498,"end":493.57498,"sentiment":"neutral","sentiment_score":0.1073332205414772}],"sentiment":"neutral","sentiment_score":0.1073332205414772,"channel":0,"num_words":1,"start":493.07498,"end":493.57498},{"sentences":[{"text":"Yep.","start":493.905,"end":494.405,"sentiment":"neutral","sentiment_score":0.16804394125938416}],"sentiment":"neutral","sentiment_score":0.16804394125938416,"channel":1,"num_words":1,"start":493.905,"end":494.405},{"sentences":[{"text":"Yep.","start":494.995,"end":495.395,"sentiment":"neutral","sentiment_score":0.3277226686477661},{"text":"Perfect.","start":495.395,"end":495.875,"sentiment":"positive","sentiment_score":0.6996954679489136},{"text":"So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it.","start":495.875,"end":501.57,"sentiment":"neutral","sentiment_score":0.3308218259077806},{"text":"But like I said, I have recommended that you stay in Hub 24 and change your investment.","start":501.81,"end":507.03,"sentiment":"neutral","sentiment_score":0.3251751415869769},{"text":"Now what that actually looks like, you can see the change here.","start":507.89,"end":512.23,"sentiment":"positive","sentiment_score":0.33681321144104004}],"sentiment":"positive","sentiment_score":0.3368161676222818,"channel":0,"num_words":57,"start":494.995,"end":512.23},{"sentences":[{"text":"So you can see that the investment fee is actually reduced by quite a lot by changing your investment.","start":512.45,"end":519.745,"sentiment":"positive","sentiment_score":0.6903750206294813},{"text":"So it will save you about $384 per year in just investment fees alone.","start":520.04504,"end":527.585,"sentiment":"positive","sentiment_score":0.6739972063473293},{"text":"Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550.","start":529.70996,"end":537.70996,"sentiment":"neutral","sentiment_score":0.028509278914758136},{"text":"Can you see that?","start":537.70996,"end":538.76996,"sentiment":"neutral","sentiment_score":0.006883013527840376},{"text":"Like, the first row where it says balance.","start":542.285,"end":544.785,"sentiment":"neutral","sentiment_score":0.000045041320845484734}],"sentiment":"positive","sentiment_score":0.3512071745865273,"channel":0,"num_words":66,"start":512.45,"end":544.785},{"sentences":[{"text":"Yeah.","start":547.215,"end":547.455,"sentiment":"neutral","sentiment_score":0.02180458977818489},{"text":"So the current column?","start":547.455,"end":550.515,"sentiment":"neutral","sentiment_score":-0.0015541142784059048}],"sentiment":"neutral","sentiment_score":0.0031176265329122543,"channel":1,"num_words":5,"start":547.215,"end":550.515},{"sentences":[{"text":"The difference column.","start":551.725,"end":553.02496,"sentiment":"neutral","sentiment_score":5.427127083142598e-6}],"sentiment":"neutral","sentiment_score":5.427127083142598e-6,"channel":0,"num_words":3,"start":551.725,"end":553.02496},{"sentences":[{"text":"Oh, yeah.","start":553.85504,"end":554.17505,"sentiment":"neutral","sentiment_score":0.07105083391070366},{"text":"Yeah.","start":554.17505,"end":554.67505,"sentiment":"neutral","sentiment_score":0.09732137620449066}],"sentiment":"neutral","sentiment_score":0.07980768134196599,"channel":1,"num_words":3,"start":553.85504,"end":554.67505},{"sentences":[{"text":"Yep.","start":554.94995,"end":555.44995,"sentiment":"neutral","sentiment_score":0.11726422607898712},{"text":"Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable.","start":555.58997,"end":565.20996,"sentiment":"neutral","sentiment_score":-0.009841365367174148},{"text":"So that's the same in a super environment when you sell investments.","start":566.32495,"end":570.745,"sentiment":"neutral","sentiment_score":0.14603319329520068},{"text":"So I've tried to keep this as little as possible for you.","start":571.445,"end":575.445,"sentiment":"neutral","sentiment_score":0.11464152485132217},{"text":"Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635.","start":575.445,"end":588.52,"sentiment":"neutral","sentiment_score":0.04177808965886793}],"sentiment":"neutral","sentiment_score":0.05715334626208795,"channel":0,"num_words":76,"start":554.94995,"end":588.52},{"sentences":[{"text":"So I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position.","start":588.89996,"end":598.115,"sentiment":"positive","sentiment_score":0.3844528765018497},{"text":"It is something I want you to be mindful of, though, and it does fluctuate on a daily.","start":598.735,"end":603.375,"sentiment":"neutral","sentiment_score":0.03884714386529393},{"text":"Obviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change.","start":603.375,"end":615.81,"sentiment":"neutral","sentiment_score":0.1201882810642322},{"text":"So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that.","start":616.03,"end":622.725,"sentiment":"neutral","sentiment_score":0.13201711068932825},{"text":"Does that make","start":622.805,"end":623.70496,"sentiment":"neutral","sentiment_score":0.22138196726640066}],"sentiment":"neutral","sentiment_score":0.18253493660262654,"channel":0,"num_words":105,"start":588.89996,"end":623.70496},{"sentences":[{"text":"Yep.","start":624.25,"end":624.75,"sentiment":"neutral","sentiment_score":0.1629733145236969}],"sentiment":"neutral","sentiment_score":0.1629733145236969,"channel":1,"num_words":1,"start":624.25,"end":624.75},{"sentences":[{"text":"sense?","start":624.805,"end":625.20496,"sentiment":"neutral","sentiment_score":0.15289734303951263},{"text":"Yep.","start":625.20496,"end":625.70496,"sentiment":"neutral","sentiment_score":0.1845683306455612},{"text":"Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average.","start":626.40497,"end":635.94,"sentiment":"neutral","sentiment_score":0.24781853457291922},{"text":"So even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit.","start":636.5,"end":646.04,"sentiment":"positive","sentiment_score":0.37016400356184354},{"text":"Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average.","start":646.26,"end":656.72504,"sentiment":"neutral","sentiment_score":0.057985111229842706}],"sentiment":"neutral","sentiment_score":0.20839021455715684,"channel":0,"num_words":85,"start":624.805,"end":656.72504},{"sentences":[{"text":"Because using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period.","start":657.34503,"end":668.75,"sentiment":"neutral","sentiment_score":0.15897663069121978},{"text":"Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great.","start":668.75,"end":677.17,"sentiment":"neutral","sentiment_score":0.03265223625515189},{"text":"So that's why we like to use a five year rolling average when we are looking at forecasting and historical","start":677.565,"end":684.145,"sentiment":"neutral","sentiment_score":0.21564742624759675}],"sentiment":"neutral","sentiment_score":0.1296636168731422,"channel":0,"num_words":82,"start":657.34503,"end":684.145},{"sentences":[{"text":"Yep.","start":683.765,"end":684.265,"sentiment":"neutral","sentiment_score":0.16220927238464355}],"sentiment":"neutral","sentiment_score":0.16220927238464355,"channel":1,"num_words":1,"start":683.765,"end":684.265},{"sentences":[{"text":"Yeah.","start":685.005,"end":685.405,"sentiment":"neutral","sentiment_score":0.20229828357696533},{"text":"Does that make sense?","start":685.405,"end":686.625,"sentiment":"neutral","sentiment_score":0.1713004782795906},{"text":"Yeah.","start":687.965,"end":688.285,"sentiment":"neutral","sentiment_score":0.06110674142837525},{"text":"Do you have any questions in regards to this table otherwise?","start":688.285,"end":691.585,"sentiment":"neutral","sentiment_score":0.008732443844730204}],"sentiment":"neutral","sentiment_score":0.061450812965631485,"channel":0,"num_words":17,"start":685.005,"end":691.585},{"sentences":[{"text":"Not at the moment.","start":693.685,"end":694.645,"sentiment":"neutral","sentiment_score":-0.18085694685578346},{"text":"No.","start":694.645,"end":695.145,"sentiment":"neutral","sentiment_score":-0.1893633008003235}],"sentiment":"neutral","sentiment_score":-0.18255821764469146,"channel":1,"num_words":5,"start":693.685,"end":695.145},{"sentences":[{"text":"No.","start":695.5,"end":695.74,"sentiment":"neutral","sentiment_score":-0.20492470264434817},{"text":"No.","start":695.74,"end":696.06,"sentiment":"neutral","sentiment_score":-0.2182483077049255}],"sentiment":"neutral","sentiment_score":-0.21158650517463684,"channel":0,"num_words":2,"start":695.5,"end":696.06},{"sentences":[{"text":"I probably","start":695.98,"end":696.3,"sentiment":"neutral","sentiment_score":-0.24129837751388553}],"sentiment":"neutral","sentiment_score":-0.24129837751388553,"channel":1,"num_words":2,"start":695.98,"end":696.3},{"sentences":[{"text":"That's","start":696.06,"end":696.3,"sentiment":"neutral","sentiment_score":-0.22661691904067993}],"sentiment":"neutral","sentiment_score":-0.22661691904067993,"channel":0,"num_words":1,"start":696.06,"end":696.3},{"sentences":[{"text":"will","start":696.3,"end":696.78,"sentiment":"neutral","sentiment_score":-0.056184276938438416}],"sentiment":"neutral","sentiment_score":-0.056184276938438416,"channel":1,"num_words":1,"start":696.3,"end":696.78},{"sentences":[{"text":"okay.","start":696.3,"end":696.8,"sentiment":"neutral","sentiment_score":-0.1156301349401474}],"sentiment":"neutral","sentiment_score":-0.1156301349401474,"channel":0,"num_words":1,"start":696.3,"end":696.8},{"sentences":[{"text":"once I've had a proper","start":696.78,"end":698.38,"sentiment":"neutral","sentiment_score":-0.037410926818847653}],"sentiment":"neutral","sentiment_score":-0.037410926818847653,"channel":1,"num_words":5,"start":696.78,"end":698.38},{"sentences":[{"text":"Yeah.","start":698.13995,"end":698.63995,"sentiment":"neutral","sentiment_score":0.002606667578220367}],"sentiment":"neutral","sentiment_score":0.002606667578220367,"channel":0,"num_words":1,"start":698.13995,"end":698.63995},{"sentences":[{"text":"look.","start":698.38,"end":698.88,"sentiment":"neutral","sentiment_score":0.010224010795354843},{"text":"Yeah.","start":698.94,"end":699.44,"sentiment":"neutral","sentiment_score":0.039594776928424835}],"sentiment":"neutral","sentiment_score":0.02490939386188984,"channel":1,"num_words":2,"start":698.38,"end":699.44},{"sentences":[{"text":"No.","start":699.42,"end":699.92,"sentiment":"neutral","sentiment_score":-0.01715950295329094},{"text":"That's perfectly fine.","start":700.13995,"end":701.75995,"sentiment":"neutral","sentiment_score":0.19569636384646097},{"text":"Now on your scroll to the next page, you can then see things forecasted for five and ten years.","start":702.06,"end":709.135,"sentiment":"neutral","sentiment_score":0.13354667864347758},{"text":"So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same.","start":709.755,"end":725.1,"sentiment":"neutral","sentiment_score":0.24436903069185656},{"text":"It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.","start":725.1,"end":738.995,"sentiment":"positive","sentiment_score":0.5523157957437876}],"sentiment":"neutral","sentiment_score":0.3305909635444868,"channel":0,"num_words":103,"start":699.42,"end":738.995},{"sentences":[{"text":"Now you can also see the table underneath it.","start":740.255,"end":743.315,"sentiment":"neutral","sentiment_score":0.2665023124880261},{"text":"I have included a bit more in regards to the historical returns.","start":743.535,"end":747.475,"sentiment":"neutral","sentiment_score":0.22830864787101746},{"text":"So you can see twelve months, three years, five years, and ten years.","start":747.615,"end":752.92,"sentiment":"neutral","sentiment_score":0.2700308653024527},{"text":"And you can see that across all time frames, the recommended has still outperformed your current portfolio.","start":752.98,"end":760.04,"sentiment":"positive","sentiment_score":0.43927446533651915},{"text":"Makes sense?","start":762.675,"end":763.415,"sentiment":"neutral","sentiment_score":0.18250161409378052}],"sentiment":"neutral","sentiment_score":0.3109678297110324,"channel":0,"num_words":53,"start":740.255,"end":763.415},{"sentences":[{"text":"Yep.","start":763.82,"end":764.32,"sentiment":"neutral","sentiment_score":0.19000738859176636}],"sentiment":"neutral","sentiment_score":0.19000738859176636,"channel":1,"num_words":1,"start":763.82,"end":764.32},{"sentences":[{"text":"Yep.","start":764.675,"end":765.15497,"sentiment":"neutral","sentiment_score":0.2782564163208008},{"text":"Perfect.","start":765.15497,"end":765.65497,"sentiment":"positive","sentiment_score":0.5414141416549683},{"text":"Now what that actually looks like in terms of the recommended investment changes is outlined on page 17.","start":766.995,"end":775.575,"sentiment":"neutral","sentiment_score":0.18913422856065962},{"text":"You should have a investment table.","start":776.68005,"end":779.74005,"sentiment":"neutral","sentiment_score":0.06736391348143418},{"text":"It might be a","start":780.04004,"end":780.52,"sentiment":"neutral","sentiment_score":0.023903905879706144}],"sentiment":"neutral","sentiment_score":0.15746285921583572,"channel":0,"num_words":30,"start":764.675,"end":780.52},{"sentences":[{"text":"Yeah.","start":780.515,"end":781.015,"sentiment":"neutral","sentiment_score":0.03196254372596741}],"sentiment":"neutral","sentiment_score":0.03196254372596741,"channel":1,"num_words":1,"start":780.515,"end":781.015},{"sentences":[{"text":"little bit tricky on the phone, but, essentially, what it is, you can see all the investments.","start":780.52,"end":786.38,"sentiment":"neutral","sentiment_score":0.03194516754763968},{"text":"You can see the little special code associated with them.","start":787.16003,"end":790.46,"sentiment":"neutral","sentiment_score":0.09765376746654511},{"text":"You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column.","start":790.60004,"end":802.625,"sentiment":"neutral","sentiment_score":0.09244873960103307},{"text":"So everything in red is what we are looking at selling, and black is what we are buying.","start":803.085,"end":810.07996,"sentiment":"neutral","sentiment_score":0.10672585542003314},{"text":"Now you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure.","start":810.86,"end":817.6,"sentiment":"neutral","sentiment_score":0.11777029037475586}],"sentiment":"neutral","sentiment_score":0.091625086342295,"channel":0,"num_words":105,"start":780.52,"end":817.6},{"sentences":[{"text":"So you can see that we are not changing all of the investments, just a couple.","start":818.13995,"end":824.215,"sentiment":"neutral","sentiment_score":-0.0333976661786437},{"text":"Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed.","start":825.075,"end":832.215,"sentiment":"neutral","sentiment_score":0.0003122259911737944},{"text":"So we're still using that core satellite approach to investing.","start":832.76,"end":836.7,"sentiment":"neutral","sentiment_score":0.0927018377929926},{"text":"Have you ever heard of that before?","start":836.92,"end":838.46,"sentiment":"neutral","sentiment_score":0.03281415945717266}],"sentiment":"neutral","sentiment_score":0.012082444790464181,"channel":0,"num_words":52,"start":818.13995,"end":838.46},{"sentences":[{"text":"No.","start":838.965,"end":839.465,"sentiment":"neutral","sentiment_score":-0.05497752130031586}],"sentiment":"neutral","sentiment_score":-0.05497752130031586,"channel":1,"num_words":1,"start":838.965,"end":839.465},{"sentences":[{"text":"No.","start":840.12,"end":840.62,"sentiment":"neutral","sentiment_score":-0.042538922280073166},{"text":"Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified.","start":840.68,"end":857.105,"sentiment":"neutral","sentiment_score":0.12406641397286546},{"text":"So these are like your biggest shareholding.","start":857.96497,"end":860.225,"sentiment":"neutral","sentiment_score":0.1818644745009286},{"text":"So you can see, for example, at 35%, you have the iShares S and P 500.","start":860.61,"end":867.43,"sentiment":"neutral","sentiment_score":0.14012199128046632},{"text":"You already have that in your portfolio before.","start":867.49,"end":870.47,"sentiment":"neutral","sentiment_score":0.0816488591954112}],"sentiment":"neutral","sentiment_score":0.12611285984320075,"channel":0,"num_words":76,"start":840.12,"end":870.47},{"sentences":[{"text":"We are just increasing the allocation a little bit.","start":870.85,"end":874.55,"sentiment":"neutral","sentiment_score":0.1577240659130944},{"text":"Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment.","start":875.245,"end":886.305,"sentiment":"neutral","sentiment_score":0.2422100418600543},{"text":"So, obviously, very diversified.","start":886.84503,"end":888.385,"sentiment":"positive","sentiment_score":0.46609098464250565},{"text":"It gives you good exposure.","start":888.765,"end":890.145,"sentiment":"positive","sentiment_score":0.572469437122345},{"text":"Another one is your 25% at the beta shares Australia 200.","start":891.57,"end":898.47,"sentiment":"neutral","sentiment_score":0.15856721319935538}],"sentiment":"neutral","sentiment_score":0.2571475564919669,"channel":0,"num_words":58,"start":870.85,"end":898.47},{"sentences":[{"text":"Now this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio.","start":899.08997,"end":906.41504,"sentiment":"neutral","sentiment_score":-0.03154144380241632},{"text":"That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market.","start":906.41504,"end":913.715,"sentiment":"neutral","sentiment_score":-0.03392454998000809},{"text":"That one here basically invests in the 200 largest companies listed in Australia.","start":914.655,"end":919.875,"sentiment":"neutral","sentiment_score":0.11305740876839711},{"text":"So you'll have all the big companies like Commonwealth and BHP and Woolworths.","start":920.24,"end":924.74,"sentiment":"neutral","sentiment_score":0.16229523030611184},{"text":"So, again, very diversified, and that is why they have the higher allocation allocated to them.","start":924.8,"end":931.94,"sentiment":"neutral","sentiment_score":0.2944780858233571}],"sentiment":"neutral","sentiment_score":0.08094282535945668,"channel":0,"num_words":85,"start":899.08997,"end":931.94},{"sentences":[{"text":"Now what the other investments are is what we then call your satellite investment.","start":932.975,"end":939.235,"sentiment":"neutral","sentiment_score":0.0792172301028456},{"text":"Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you.","start":940.095,"end":955.61,"sentiment":"neutral","sentiment_score":0.10501881912350655},{"text":"But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments.","start":956.07,"end":963.695,"sentiment":"neutral","sentiment_score":-0.022567147227085155},{"text":"Does that make sense so far?","start":963.995,"end":965.53503,"sentiment":"neutral","sentiment_score":0.06622918012241523},{"text":"Yeah.","start":966.875,"end":967.35504,"sentiment":"neutral","sentiment_score":0.23708350956439972}],"sentiment":"neutral","sentiment_score":0.06202676069415823,"channel":0,"num_words":79,"start":932.975,"end":967.35504},{"sentences":[{"text":"Perfect.","start":967.35504,"end":967.835,"sentiment":"positive","sentiment_score":0.40255069732666016},{"text":"So you","start":967.835,"end":968.235,"sentiment":"neutral","sentiment_score":0.2501896694302559}],"sentiment":"neutral","sentiment_score":0.3009766787290573,"channel":0,"num_words":3,"start":967.35504,"end":968.235},{"sentences":[{"text":"Mhmm.","start":968.15497,"end":968.65497,"sentiment":"neutral","sentiment_score":0.21007804572582245}],"sentiment":"neutral","sentiment_score":0.21007804572582245,"channel":1,"num_words":1,"start":968.15497,"end":968.65497},{"sentences":[{"text":"can see we are keeping, for example, beta share cybersecurity in your portfolio.","start":968.235,"end":973.455,"sentiment":"neutral","sentiment_score":0.21963948355271265},{"text":"Just increasing it just slightly to 6%.","start":973.995,"end":977.135,"sentiment":"neutral","sentiment_score":0.20474764917578017},{"text":"Same with the iShares Europe.","start":978.45,"end":980.37,"sentiment":"neutral","sentiment_score":0.16058401465415956},{"text":"You already have that in your portfolio.","start":980.37,"end":982.63,"sentiment":"neutral","sentiment_score":0.20970959961414337},{"text":"Again, just increasing it a little bit to 9%.","start":983.08997,"end":986.95,"sentiment":"neutral","sentiment_score":0.18815712134043375}],"sentiment":"neutral","sentiment_score":0.2012889803182788,"channel":0,"num_words":41,"start":968.235,"end":986.95},{"sentences":[{"text":"We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US.","start":988.29,"end":1002.925,"sentiment":"neutral","sentiment_score":0.2574545475654304},{"text":"We wanna give you good diversification.","start":1003.225,"end":1004.845,"sentiment":"positive","sentiment_score":0.3637479444344838},{"text":"That also comes into play, the one underneath it, which is your Vanguard All World.","start":1006.77,"end":1011.83,"sentiment":"neutral","sentiment_score":0.16927370031674702},{"text":"Now you may have heard of Vanguard before.","start":1012.13,"end":1014.29,"sentiment":"neutral","sentiment_score":0.04779186495579779},{"text":"They're quite big.","start":1014.29,"end":1015.43,"sentiment":"neutral","sentiment_score":0.07260225216547649}],"sentiment":"neutral","sentiment_score":0.21187938077491708,"channel":0,"num_words":64,"start":988.29,"end":1015.43},{"sentences":[{"text":"But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500.","start":1015.65,"end":1030.925,"sentiment":"neutral","sentiment_score":0.07196184247732162},{"text":"And we don't wanna have two overexposure into one market either.","start":1031.225,"end":1035.085,"sentiment":"neutral","sentiment_score":0.000794673084535382},{"text":"Does that make sense?","start":1035.21,"end":1037.23,"sentiment":"neutral","sentiment_score":0.1355943288654089}],"sentiment":"neutral","sentiment_score":0.061802055597162016,"channel":0,"num_words":52,"start":1015.65,"end":1037.23},{"sentences":[{"text":"Mhmm.","start":1037.52,"end":1038.02,"sentiment":"neutral","sentiment_score":0.10626082867383956}],"sentiment":"neutral","sentiment_score":0.10626082867383956,"channel":1,"num_words":1,"start":1037.52,"end":1038.02},{"sentences":[{"text":"Yep.","start":1037.77,"end":1038.27,"sentiment":"neutral","sentiment_score":0.28499144315719604},{"text":"And now we also then have your your defensive investment.","start":1038.4099,"end":1042.4299,"sentiment":"neutral","sentiment_score":0.2890732631087303},{"text":"So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page.","start":1042.49,"end":1052.005,"sentiment":"neutral","sentiment_score":0.22064690615819849},{"text":"You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest.","start":1052.385,"end":1065.36,"sentiment":"neutral","sentiment_score":0.27399737139542896},{"text":"So, again, trying to limit fluctuation, and that basically gives you the portfolio.","start":1065.44,"end":1072.34,"sentiment":"positive","sentiment_score":0.34366923112135667}],"sentiment":"neutral","sentiment_score":0.27200270220637324,"channel":0,"num_words":80,"start":1037.77,"end":1072.34},{"sentences":[{"text":"Now if you wanted to, when you have a bit more time, go and read up on these investments as well.","start":1072.88,"end":1077.78,"sentiment":"neutral","sentiment_score":0.2559422566777184},{"text":"In the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments.","start":1078.095,"end":1088.195,"sentiment":"neutral","sentiment_score":0.242465167091443},{"text":"So full transparency, so you can go and have a look at them if you would like to as well.","start":1088.495,"end":1093.83,"sentiment":"positive","sentiment_score":0.35898981988430023}],"sentiment":"neutral","sentiment_score":0.2814728079447106,"channel":0,"num_words":67,"start":1072.88,"end":1093.83},{"sentences":[{"text":"Okay.","start":1095.37,"end":1095.87,"sentiment":"neutral","sentiment_score":0.19152593612670896}],"sentiment":"neutral","sentiment_score":0.19152593612670896,"channel":1,"num_words":1,"start":1095.37,"end":1095.87},{"sentences":[{"text":"Now you will also see just the cash account on the same page 18.","start":1097.0299,"end":1101.61,"sentiment":"neutral","sentiment_score":0.17185974759714945},{"text":"With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything.","start":1102.07,"end":1113.735,"sentiment":"neutral","sentiment_score":0.19158291956409812},{"text":"So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth.","start":1114.035,"end":1122.39,"sentiment":"positive","sentiment_score":0.4973309116978799},{"text":"So we have to keep about a minimum of that 1.25 in hub 24 for you.","start":1122.39,"end":1127.4501,"sentiment":"neutral","sentiment_score":0.264764585532248},{"text":"Any questions so far?","start":1128.79,"end":1130.25,"sentiment":"neutral","sentiment_score":0.0711230244487524}],"sentiment":"neutral","sentiment_score":0.2935533363026442,"channel":0,"num_words":97,"start":1097.0299,"end":1130.25},{"sentences":[{"text":"No.","start":1133.085,"end":1133.585,"sentiment":"neutral","sentiment_score":-0.1195242404937744}],"sentiment":"neutral","sentiment_score":-0.1195242404937744,"channel":1,"num_words":1,"start":1133.085,"end":1133.585},{"sentences":[{"text":"Nope.","start":1134.0851,"end":1134.5851,"sentiment":"neutral","sentiment_score":-0.10407048463821413}],"sentiment":"neutral","sentiment_score":-0.10407048463821413,"channel":0,"num_words":1,"start":1134.0851,"end":1134.5851},{"sentences":[{"text":"It's a lot of","start":1134.765,"end":1135.485,"sentiment":"neutral","sentiment_score":-0.08856437914073467}],"sentiment":"neutral","sentiment_score":-0.08856437914073467,"channel":1,"num_words":4,"start":1134.765,"end":1135.485},{"sentences":[{"text":"Now","start":1135.285,"end":1135.785,"sentiment":"neutral","sentiment_score":-0.06574821472167969}],"sentiment":"neutral","sentiment_score":-0.06574821472167969,"channel":0,"num_words":1,"start":1135.285,"end":1135.785},{"sentences":[{"text":"lot of information to digest.","start":1135.485,"end":1137.745,"sentiment":"neutral","sentiment_score":-0.05854351818561554}],"sentiment":"neutral","sentiment_score":-0.05854351818561554,"channel":1,"num_words":5,"start":1135.485,"end":1137.745},{"sentences":[{"text":"very much, which is why I want you as well, especially when you're not at work, to take some time.","start":1139.045,"end":1145.4651,"sentiment":"neutral","sentiment_score":0.045116664841771126},{"text":"The","start":1145.8451,"end":1146.005,"sentiment":"neutral","sentiment_score":0.15342213213443756}],"sentiment":"neutral","sentiment_score":0.05027406804618381,"channel":0,"num_words":21,"start":1139.045,"end":1146.005},{"sentences":[{"text":"Yeah.","start":1145.9099,"end":1146.4099,"sentiment":"positive","sentiment_score":0.33741453289985657}],"sentiment":"positive","sentiment_score":0.33741453289985657,"channel":1,"num_words":1,"start":1145.9099,"end":1146.4099},{"sentences":[{"text":"document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it.","start":1146.005,"end":1154.0901,"sentiment":"positive","sentiment_score":0.33694452106952666},{"text":"And if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up","start":1154.0901,"end":1160.89,"sentiment":"neutral","sentiment_score":0.22717716519174905}],"sentiment":"neutral","sentiment_score":0.277995385505535,"channel":0,"num_words":54,"start":1146.005,"end":1160.89},{"sentences":[{"text":"Yeah.","start":1160.825,"end":1161.325,"sentiment":"neutral","sentiment_score":0.1506742537021637}],"sentiment":"neutral","sentiment_score":0.1506742537021637,"channel":1,"num_words":1,"start":1160.825,"end":1161.325},{"sentences":[{"text":"to go through it.","start":1160.89,"end":1162.03,"sentiment":"neutral","sentiment_score":0.16624737530946732}],"sentiment":"neutral","sentiment_score":0.16624737530946732,"channel":0,"num_words":4,"start":1160.89,"end":1162.03},{"sentences":[{"text":"Okay.","start":1162.4249,"end":1162.9249,"sentiment":"neutral","sentiment_score":0.16485795378684998}],"sentiment":"neutral","sentiment_score":0.16485795378684998,"channel":1,"num_words":1,"start":1162.4249,"end":1162.9249},{"sentences":[{"text":"And that's why there is so much it's quite wordy, this document, and","start":1162.5851,"end":1166.3451,"sentiment":"neutral","sentiment_score":0.11653788960897006}],"sentiment":"neutral","sentiment_score":0.11653788960897006,"channel":0,"num_words":13,"start":1162.5851,"end":1166.3451},{"sentences":[{"text":"Yeah.","start":1166.1849,"end":1166.6849,"sentiment":"neutral","sentiment_score":0.23457688093185425}],"sentiment":"neutral","sentiment_score":0.23457688093185425,"channel":1,"num_words":1,"start":1166.1849,"end":1166.6849},{"sentences":[{"text":"it is to allow you the opportunity as well.","start":1166.3451,"end":1169.3251,"sentiment":"neutral","sentiment_score":0.3317393437027931},{"text":"So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well.","start":1169.4651,"end":1175.82,"sentiment":"neutral","sentiment_score":0.13222808092832566}],"sentiment":"neutral","sentiment_score":0.18503988578039057,"channel":0,"num_words":34,"start":1166.3451,"end":1175.82},{"sentences":[{"text":"Yeah.","start":1175.7,"end":1176.2,"sentiment":"neutral","sentiment_score":0.08144812285900116}],"sentiment":"neutral","sentiment_score":0.08144812285900116,"channel":1,"num_words":1,"start":1175.7,"end":1176.2},{"sentences":[{"text":"Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table.","start":1177.74,"end":1188.86,"sentiment":"neutral","sentiment_score":0.06169535392629249},{"text":"Can you see that?","start":1188.86,"end":1190.0,"sentiment":"neutral","sentiment_score":0.05976633168756962}],"sentiment":"neutral","sentiment_score":0.06145422614645213,"channel":0,"num_words":32,"start":1177.74,"end":1190.0},{"sentences":[{"text":"Yep.","start":1191.155,"end":1191.655,"sentiment":"neutral","sentiment_score":0.09874212741851808}],"sentiment":"neutral","sentiment_score":0.09874212741851808,"channel":1,"num_words":1,"start":1191.155,"end":1191.655},{"sentences":[{"text":"Yep.","start":1192.155,"end":1192.655,"sentiment":"neutral","sentiment_score":0.11463026702404022},{"text":"So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations.","start":1192.715,"end":1202.415,"sentiment":"neutral","sentiment_score":0.05705408682977712},{"text":"You can see your existing portfolio and then the proposed.","start":1203.76,"end":1207.86,"sentiment":"neutral","sentiment_score":0.12028129957616329},{"text":"But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio.","start":1208.5599,"end":1218.4199,"sentiment":"neutral","sentiment_score":0.14822959706739144},{"text":"Does that make sense?","start":1220.255,"end":1221.315,"sentiment":"neutral","sentiment_score":0.15216095931828022}],"sentiment":"neutral","sentiment_score":0.10824270384467166,"channel":0,"num_words":69,"start":1192.155,"end":1221.315},{"sentences":[{"text":"Mhmm.","start":1221.725,"end":1222.225,"sentiment":"neutral","sentiment_score":0.03087979182600975}],"sentiment":"neutral","sentiment_score":0.03087979182600975,"channel":1,"num_words":1,"start":1221.725,"end":1222.225},{"sentences":[{"text":"Yep.","start":1222.655,"end":1223.155,"sentiment":"neutral","sentiment_score":0.09112441539764404},{"text":"And the last thing is just in regards to your beneficiary.","start":1223.775,"end":1228.115,"sentiment":"neutral","sentiment_score":0.1504564251412045},{"text":"So like I said, we have everything sorted for your superannuation, which is fantastic.","start":1228.575,"end":1232.515,"sentiment":"positive","sentiment_score":0.5734304338693619},{"text":"I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up.","start":1233.53,"end":1240.97,"sentiment":"positive","sentiment_score":0.5052002498081752},{"text":"So if something were to happen to you, that it would go to your partner.","start":1240.97,"end":1245.3099,"sentiment":"neutral","sentiment_score":0.23153870403766633}],"sentiment":"positive","sentiment_score":0.38478156407513925,"channel":0,"num_words":62,"start":1222.655,"end":1245.3099},{"sentences":[{"text":"Okay.","start":1245.885,"end":1246.385,"sentiment":"neutral","sentiment_score":0.19172033667564392}],"sentiment":"neutral","sentiment_score":0.19172033667564392,"channel":1,"num_words":1,"start":1245.885,"end":1246.385},{"sentences":[{"text":"Yep.","start":1247.0851,"end":1247.5851,"sentiment":"neutral","sentiment_score":0.1945721805095673},{"text":"Now I have also just included some information in regards to setting up a will and power of attorney.","start":1247.885,"end":1254.865,"sentiment":"neutral","sentiment_score":0.22533615011917918},{"text":"It is something I always recommend everyone to consider.","start":1255.3251,"end":1259.17,"sentiment":"positive","sentiment_score":0.47329870859781903},{"text":"So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track.","start":1259.3099,"end":1269.73,"sentiment":"neutral","sentiment_score":0.27332186830394406}],"sentiment":"neutral","sentiment_score":0.28616811003949905,"channel":0,"num_words":63,"start":1247.0851,"end":1269.73},{"sentences":[{"text":"Yep.","start":1271.22,"end":1271.72,"sentiment":"neutral","sentiment_score":0.11963686347007751}],"sentiment":"neutral","sentiment_score":0.11963686347007751,"channel":1,"num_words":1,"start":1271.22,"end":1271.72},{"sentences":[{"text":"Now the last thing is just in regards to the ongoing advice fee.","start":1272.4451,"end":1278.765,"sentiment":"neutral","sentiment_score":0.06826232001185417},{"text":"So if you wanna scroll down to page 29 for me.","start":1278.765,"end":1282.785,"sentiment":"neutral","sentiment_score":0.07302803546190262}],"sentiment":"neutral","sentiment_score":0.07044660625979304,"channel":0,"num_words":24,"start":1272.4451,"end":1282.785},{"sentences":[{"text":"Yep.","start":1289.1699,"end":1289.6699,"sentiment":"neutral","sentiment_score":0.10635165870189668}],"sentiment":"neutral","sentiment_score":0.10635165870189668,"channel":1,"num_words":1,"start":1289.1699,"end":1289.6699},{"sentences":[{"text":"Yep.","start":1290.12,"end":1290.62,"sentiment":"neutral","sentiment_score":0.1357233226299286},{"text":"So like I mentioned during the under review, there is no changes in regards to the fee structure.","start":1290.76,"end":1296.62,"sentiment":"neutral","sentiment_score":0.11483338640795814},{"text":"It stays exactly the same at 1.65 from Super.","start":1297.085,"end":1301.345,"sentiment":"neutral","sentiment_score":0.32954009042845833},{"text":"There is no additional fees and charges for, obviously, this advice.","start":1301.725,"end":1305.965,"sentiment":"neutral","sentiment_score":0.19911984489722687},{"text":"And if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that.","start":1305.965,"end":1316.85,"sentiment":"neutral","sentiment_score":0.19123394090321758}],"sentiment":"neutral","sentiment_score":0.18981650790997914,"channel":0,"num_words":70,"start":1290.12,"end":1316.85},{"sentences":[{"text":"It's also not a lock in contract.","start":1317.71,"end":1319.73,"sentiment":"neutral","sentiment_score":-0.21860417085034506},{"text":"So if at any point in time, you are not happy.","start":1319.87,"end":1322.51,"sentiment":"negative","sentiment_score":-0.429025874896483},{"text":"It is not a lock in contract.","start":1322.51,"end":1324.45,"sentiment":"neutral","sentiment_score":-0.25395073954548153},{"text":"We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations.","start":1325.235,"end":1335.8151,"sentiment":"neutral","sentiment_score":0.20098059118858405},{"text":"But then, also, if you're not it's like a a full commitment for a full year as well.","start":1336.915,"end":1341.43,"sentiment":"neutral","sentiment_score":0.14166026934981346}],"sentiment":"neutral","sentiment_score":0.0021151042949985456,"channel":0,"num_words":71,"start":1317.71,"end":1341.43},{"sentences":[{"text":"It is just deducted monthly for you.","start":1341.65,"end":1343.91,"sentiment":"neutral","sentiment_score":0.1369857702936445},{"text":"Makes sense?","start":1346.13,"end":1346.87,"sentiment":"neutral","sentiment_score":0.1426773965358734},{"text":"Yep.","start":1348.4501,"end":1348.9501,"sentiment":"neutral","sentiment_score":0.2000209391117096},{"text":"Now I have also just shown you the Clearview insurances.","start":1349.01,"end":1351.9901,"sentiment":"neutral","sentiment_score":0.2724294289946556},{"text":"So with","start":1352.835,"end":1353.715,"sentiment":"neutral","sentiment_score":0.2503139525651932}],"sentiment":"neutral","sentiment_score":0.2122362872416323,"channel":0,"num_words":22,"start":1341.65,"end":1353.715},{"sentences":[{"text":"Yep.","start":1353.49,"end":1353.99,"sentiment":"neutral","sentiment_score":0.25551527738571167}],"sentiment":"neutral","sentiment_score":0.25551527738571167,"channel":1,"num_words":1,"start":1353.49,"end":1353.99},{"sentences":[{"text":"insurances, we do get commission, which is 22% of the premium ongoing.","start":1353.715,"end":1359.735,"sentiment":"neutral","sentiment_score":0.2159019112586975},{"text":"Now that is Clearview paying us, though.","start":1360.355,"end":1363.075,"sentiment":"neutral","sentiment_score":0.1785237959453038},{"text":"It is not you paying us.","start":1363.075,"end":1364.82,"sentiment":"neutral","sentiment_score":0.05291902646422386},{"text":"But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that.","start":1365.0599,"end":1373.7999,"sentiment":"neutral","sentiment_score":0.10066148678639106}],"sentiment":"neutral","sentiment_score":0.1316325527457696,"channel":0,"num_words":53,"start":1353.715,"end":1373.7999},{"sentences":[{"text":"Okay.","start":1374.4751,"end":1374.93,"sentiment":"neutral","sentiment_score":0.12814286351203918}],"sentiment":"neutral","sentiment_score":0.12814286351203918,"channel":1,"num_words":1,"start":1374.4751,"end":1374.93},{"sentences":[{"text":"Yep.","start":1375.5399,"end":1376.0199,"sentiment":"neutral","sentiment_score":0.13624006509780884},{"text":"Do you have any questions in regards to any of that so far?","start":1376.0199,"end":1379.48,"sentiment":"neutral","sentiment_score":0.11787019440760979}],"sentiment":"neutral","sentiment_score":0.1191823280283383,"channel":0,"num_words":14,"start":1375.5399,"end":1379.48},{"sentences":[{"text":"No.","start":1380.2101,"end":1380.7101,"sentiment":"neutral","sentiment_score":-0.13530787825584412}],"sentiment":"neutral","sentiment_score":-0.13530787825584412,"channel":1,"num_words":1,"start":1380.2101,"end":1380.7101},{"sentences":[{"text":"No.","start":1381.385,"end":1381.865,"sentiment":"neutral","sentiment_score":0.010414615273475649},{"text":"Perfect.","start":1381.865,"end":1382.365,"sentiment":"positive","sentiment_score":0.36335352063179016},{"text":"And that basically summarizes everything.","start":1382.425,"end":1384.845,"sentiment":"neutral","sentiment_score":0.3093496531248093},{"text":"So on the next couple of pages, it just shows you the authority to proceed.","start":1385.225,"end":1389.485,"sentiment":"neutral","sentiment_score":0.3031672894954681},{"text":"And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination.","start":1390.185,"end":1404.76,"sentiment":"positive","sentiment_score":0.3822890841043912}],"sentiment":"positive","sentiment_score":0.3504475413775835,"channel":0,"num_words":61,"start":1381.385,"end":1404.76},{"sentences":[{"text":"But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document.","start":1406.18,"end":1413.935,"sentiment":"neutral","sentiment_score":0.24141255921373764},{"text":"If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through.","start":1414.635,"end":1425.775,"sentiment":"neutral","sentiment_score":0.31535263700144633},{"text":"If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now.","start":1426.48,"end":1438.74,"sentiment":"positive","sentiment_score":0.5079756952822209},{"text":"Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation.","start":1439.225,"end":1446.685,"sentiment":"positive","sentiment_score":0.5653503183965329}],"sentiment":"positive","sentiment_score":0.41598992162044085,"channel":0,"num_words":126,"start":1406.18,"end":1446.685},{"sentences":[{"text":"Okay.","start":1448.11,"end":1448.61,"sentiment":"neutral","sentiment_score":0.16513770818710327}],"sentiment":"neutral","sentiment_score":0.16513770818710327,"channel":1,"num_words":1,"start":1448.11,"end":1448.61},{"sentences":[{"text":"Now do you have any questions before I let you go back to work otherwise?","start":1449.225,"end":1453.085,"sentiment":"neutral","sentiment_score":0.06852547774712245}],"sentiment":"neutral","sentiment_score":0.06852547774712245,"channel":0,"num_words":15,"start":1449.225,"end":1453.085},{"sentences":[{"text":"No.","start":1455.6951,"end":1456.175,"sentiment":"neutral","sentiment_score":-0.1084848940372467},{"text":"So if I don't agree to move forward with this, I can","start":1456.175,"end":1460.975,"sentiment":"neutral","sentiment_score":-0.11174337503810723}],"sentiment":"neutral","sentiment_score":-0.11149272265342566,"channel":1,"num_words":13,"start":1455.6951,"end":1460.975},{"sentences":[{"text":"Mhmm.","start":1460.88,"end":1461.38,"sentiment":"neutral","sentiment_score":-0.023277418687939644}],"sentiment":"neutral","sentiment_score":-0.023277418687939644,"channel":0,"num_words":1,"start":1460.88,"end":1461.38},{"sentences":[{"text":"just I don't have to do anything else.","start":1460.975,"end":1462.735,"sentiment":"neutral","sentiment_score":-0.01912384433671832},{"text":"Right?","start":1462.735,"end":1462.975,"sentiment":"neutral","sentiment_score":0.0731046050786972},{"text":"I just remain on whatever I am on on a","start":1462.975,"end":1467.47,"sentiment":"neutral","sentiment_score":0.1244393017143011}],"sentiment":"neutral","sentiment_score":0.06128983513305062,"channel":1,"num_words":19,"start":1460.975,"end":1467.47},{"sentences":[{"text":"Correct.","start":1467.0549,"end":1467.5549,"sentiment":"neutral","sentiment_score":0.08441077917814255},{"text":"Correct.","start":1468.4149,"end":1468.9149,"sentiment":"neutral","sentiment_score":0.14121536910533905}],"sentiment":"neutral","sentiment_score":0.1128130741417408,"channel":0,"num_words":2,"start":1467.0549,"end":1468.9149},{"sentences":[{"text":"plan.","start":1468.8899,"end":1469.3899,"sentiment":"neutral","sentiment_score":0.03268792852759361}],"sentiment":"neutral","sentiment_score":0.03268792852759361,"channel":1,"num_words":1,"start":1468.8899,"end":1469.3899},{"sentences":[{"text":"I do ask if it's possible for you to email me just so that I know that you have made a decision.","start":1468.975,"end":1473.7949,"sentiment":"neutral","sentiment_score":0.023445762990211897},{"text":"So","start":1474.1749,"end":1474.4149,"sentiment":"neutral","sentiment_score":-0.0022898465394973755}],"sentiment":"neutral","sentiment_score":0.02232682344544193,"channel":0,"num_words":23,"start":1468.975,"end":1474.4149},{"sentences":[{"text":"Yeah.","start":1474.33,"end":1474.83,"sentiment":"neutral","sentiment_score":-0.012992419302463531}],"sentiment":"neutral","sentiment_score":-0.012992419302463531,"channel":1,"num_words":1,"start":1474.33,"end":1474.83},{"sentences":[{"text":"whether you email me and just say, hey.","start":1474.4149,"end":1476.335,"sentiment":"neutral","sentiment_score":-0.0955415703356266},{"text":"I've decided not to go ahead.","start":1476.335,"end":1478.0349,"sentiment":"neutral","sentiment_score":-0.14743981013695398},{"text":"That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide.","start":1478.1749,"end":1486.69,"sentiment":"neutral","sentiment_score":-0.019362498661158262},{"text":"But, yes, the choice is completely yours.","start":1486.69,"end":1488.61,"sentiment":"positive","sentiment_score":0.345420424427305},{"text":"If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you.","start":1488.61,"end":1498.865,"sentiment":"neutral","sentiment_score":0.23856374961989266}],"sentiment":"neutral","sentiment_score":0.1035652448232454,"channel":0,"num_words":83,"start":1474.4149,"end":1498.865},{"sentences":[{"text":"Okay.","start":1499.4501,"end":1499.9501,"sentiment":"neutral","sentiment_score":0.12232440710067748}],"sentiment":"neutral","sentiment_score":0.12232440710067748,"channel":1,"num_words":1,"start":1499.4501,"end":1499.9501},{"sentences":[{"text":"Yep.","start":1500.365,"end":1500.865,"sentiment":"neutral","sentiment_score":0.12199509143829346}],"sentiment":"neutral","sentiment_score":0.12199509143829346,"channel":0,"num_words":1,"start":1500.365,"end":1500.865},{"sentences":[{"text":"Do I have access to the what I'm currently on at the moment?","start":1501.21,"end":1505.39,"sentiment":"neutral","sentiment_score":0.023590139113366604}],"sentiment":"neutral","sentiment_score":0.023590139113366604,"channel":1,"num_words":13,"start":1501.21,"end":1505.39},{"sentences":[{"text":"What do you mean what you're currently on?","start":1507.8049,"end":1509.905,"sentiment":"neutral","sentiment_score":-0.01728157268371433}],"sentiment":"neutral","sentiment_score":-0.01728157268371433,"channel":0,"num_words":8,"start":1507.8049,"end":1509.905},{"sentences":[{"text":"Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I","start":1509.4349,"end":1519.12,"sentiment":"neutral","sentiment_score":0.055836259726096286}],"sentiment":"neutral","sentiment_score":0.055836259726096286,"channel":1,"num_words":22,"start":1509.4349,"end":1519.12},{"sentences":[{"text":"Yes.","start":1519.05,"end":1519.4501,"sentiment":"neutral","sentiment_score":0.026182588189840317}],"sentiment":"neutral","sentiment_score":0.026182588189840317,"channel":0,"num_words":1,"start":1519.05,"end":1519.4501},{"sentences":[{"text":"guess.","start":1519.12,"end":1519.62,"sentiment":"neutral","sentiment_score":0.017732534557580948}],"sentiment":"neutral","sentiment_score":0.017732534557580948,"channel":1,"num_words":1,"start":1519.12,"end":1519.62},{"sentences":[{"text":"So yeah.","start":1519.4501,"end":1520.5701,"sentiment":"neutral","sentiment_score":0.012194407638162374},{"text":"No.","start":1520.5701,"end":1520.9701,"sentiment":"neutral","sentiment_score":-0.06603747606277466},{"text":"So when you went back up to that table so first on the investments, you will see it in that investment table switch.","start":1520.9701,"end":1528.905,"sentiment":"neutral","sentiment_score":0.0025019517735294676},{"text":"You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly.","start":1529.205,"end":1536.745,"sentiment":"neutral","sentiment_score":0.02142697386443615}],"sentiment":"neutral","sentiment_score":0.011215557063103846,"channel":0,"num_words":53,"start":1519.4501,"end":1536.745},{"sentences":[{"text":"That that's page 17.","start":1536.425,"end":1537.805,"sentiment":"neutral","sentiment_score":0.013789878226816654},{"text":"Right?","start":1538.025,"end":1538.525,"sentiment":"neutral","sentiment_score":0.009826422668993471}],"sentiment":"neutral","sentiment_score":0.012997187115252018,"channel":1,"num_words":5,"start":1536.425,"end":1538.525},{"sentences":[{"text":"Let me just I'll just scroll up just so I can tell you for sure.","start":1539.71,"end":1543.25,"sentiment":"neutral","sentiment_score":0.016459725673000018},{"text":"Yes.","start":1546.4299,"end":1546.75,"sentiment":"neutral","sentiment_score":0.054287806153297424},{"text":"Correct.","start":1546.75,"end":1547.25,"sentiment":"neutral","sentiment_score":0.07310286164283752},{"text":"So you can see the the column versus current weight.","start":1547.5499,"end":1550.19,"sentiment":"neutral","sentiment_score":0.06483966000378132},{"text":"So that is what you are currently in.","start":1550.19,"end":1551.855,"sentiment":"neutral","sentiment_score":0.04377920436672866}],"sentiment":"neutral","sentiment_score":0.039226193938936504,"channel":0,"num_words":35,"start":1539.71,"end":1551.855},{"sentences":[{"text":"So if you","start":1551.855,"end":1552.335,"sentiment":"neutral","sentiment_score":0.023498032242059708}],"sentiment":"neutral","sentiment_score":0.023498032242059708,"channel":0,"num_words":3,"start":1551.855,"end":1552.335},{"sentences":[{"text":"Yes.","start":1552.3099,"end":1552.8099,"sentiment":"neutral","sentiment_score":0.015993423759937286}],"sentiment":"neutral","sentiment_score":0.015993423759937286,"channel":1,"num_words":1,"start":1552.3099,"end":1552.8099},{"sentences":[{"text":"decide you don't wanna change, that stays the same.","start":1552.335,"end":1555.475,"sentiment":"neutral","sentiment_score":-0.01249106704360909},{"text":"If you then scroll back to page 15, you can see the current column.","start":1557.375,"end":1563.775,"sentiment":"neutral","sentiment_score":0.017312644182571342},{"text":"So that is all your current fees and the current returns and everything.","start":1563.775,"end":1567.475,"sentiment":"neutral","sentiment_score":0.010246718445649514},{"text":"So, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation.","start":1567.83,"end":1574.25,"sentiment":"neutral","sentiment_score":-0.12480099773720692}],"sentiment":"neutral","sentiment_score":-0.038328258219090375,"channel":0,"num_words":55,"start":1552.335,"end":1574.25},{"sentences":[{"text":"Okay.","start":1574.545,"end":1575.025,"sentiment":"neutral","sentiment_score":0.12064215540885924},{"text":"Cool.","start":1575.025,"end":1575.505,"sentiment":"neutral","sentiment_score":0.21003176271915436},{"text":"Yep.","start":1575.505,"end":1576.005,"sentiment":"neutral","sentiment_score":0.14346884191036224}],"sentiment":"neutral","sentiment_score":0.15804758667945862,"channel":1,"num_words":3,"start":1574.545,"end":1576.005},{"sentences":[{"text":"Yep.","start":1575.75,"end":1576.25,"sentiment":"neutral","sentiment_score":0.15004214644432068},{"text":"And that's the same with that table on page 16.","start":1576.7899,"end":1579.7699,"sentiment":"neutral","sentiment_score":0.11662111654877663},{"text":"You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments.","start":1580.315,"end":1589.695,"sentiment":"neutral","sentiment_score":0.08236612838559917}],"sentiment":"neutral","sentiment_score":0.092884741198176,"channel":0,"num_words":39,"start":1575.75,"end":1589.695},{"sentences":[{"text":"Yep.","start":1590.76,"end":1591.26,"sentiment":"neutral","sentiment_score":0.07704561948776245},{"text":"Okay.","start":1591.3999,"end":1591.8999,"sentiment":"neutral","sentiment_score":0.09226878732442856}],"sentiment":"neutral","sentiment_score":0.0846572034060955,"channel":1,"num_words":2,"start":1590.76,"end":1591.8999},{"sentences":[{"text":"Yep.","start":1591.755,"end":1592.075,"sentiment":"neutral","sentiment_score":0.08779804408550262},{"text":"Does does","start":1592.075,"end":1592.475,"sentiment":"neutral","sentiment_score":0.08284936100244522}],"sentiment":"neutral","sentiment_score":0.08449892203013103,"channel":0,"num_words":3,"start":1591.755,"end":1592.475},{"sentences":[{"text":"Yeah.","start":1592.415,"end":1592.915,"sentiment":"neutral","sentiment_score":0.12829799950122833}],"sentiment":"neutral","sentiment_score":0.12829799950122833,"channel":1,"num_words":1,"start":1592.415,"end":1592.915},{"sentences":[{"text":"that answer that question for you?","start":1592.475,"end":1594.08,"sentiment":"neutral","sentiment_score":0.1499455285569032}],"sentiment":"neutral","sentiment_score":0.1499455285569032,"channel":0,"num_words":6,"start":1592.475,"end":1594.08},{"sentences":[{"text":"Yeah.","start":1594.255,"end":1594.3351,"sentiment":"neutral","sentiment_score":0.16293448209762573},{"text":"It does.","start":1594.3351,"end":1594.7351,"sentiment":"neutral","sentiment_score":0.20976772904396057},{"text":"Alright.","start":1594.7351,"end":1595.2151,"sentiment":"neutral","sentiment_score":0.24814419448375705}],"sentiment":"neutral","sentiment_score":0.20765353366732597,"channel":1,"num_words":4,"start":1594.255,"end":1595.2151},{"sentences":[{"text":"Yeah.","start":1595.0399,"end":1595.5399,"sentiment":"neutral","sentiment_score":0.3233073949813843}],"sentiment":"neutral","sentiment_score":0.3233073949813843,"channel":0,"num_words":1,"start":1595.0399,"end":1595.5399},{"sentences":[{"text":"Thank you.","start":1595.2151,"end":1595.875,"sentiment":"positive","sentiment_score":0.5970635414123535}],"sentiment":"positive","sentiment_score":0.5970635414123535,"channel":1,"num_words":2,"start":1595.2151,"end":1595.875},{"sentences":[{"text":"Perfect.","start":1595.9199,"end":1596.4199,"sentiment":"positive","sentiment_score":0.5046368837356567},{"text":"No.","start":1596.72,"end":1596.96,"sentiment":"neutral","sentiment_score":-0.004060803912580013},{"text":"That's okay.","start":1596.96,"end":1597.7799,"sentiment":"positive","sentiment_score":0.4250156581401825},{"text":"So I will let you go and get back to work.","start":1598.3999,"end":1601.22,"sentiment":"neutral","sentiment_score":0.2038915130225095},{"text":"I know there's a lot to process, so so take your time.","start":1601.2799,"end":1604.4199,"sentiment":"neutral","sentiment_score":0.03561317392935356}],"sentiment":"neutral","sentiment_score":0.14891748616678846,"channel":0,"num_words":27,"start":1595.9199,"end":1604.4199},{"sentences":[{"text":"Any questions, just let me know what you want to do at the end the day.","start":1605.6,"end":1609.1849,"sentiment":"neutral","sentiment_score":0.1155962054617703},{"text":"And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you.","start":1609.1849,"end":1617.5249,"sentiment":"neutral","sentiment_score":0.1383076947839821}],"sentiment":"neutral","sentiment_score":0.13104001820087433,"channel":0,"num_words":50,"start":1605.6,"end":1617.5249},{"sentences":[{"text":"Alright.","start":1618.0599,"end":1618.46,"sentiment":"positive","sentiment_score":0.4893035888671875},{"text":"Sounds good.","start":1618.46,"end":1619.26,"sentiment":"positive","sentiment_score":0.7808746993541718},{"text":"Thanks for your help.","start":1619.26,"end":1620.135,"sentiment":"positive","sentiment_score":0.8424491584300995}],"sentiment":"positive","sentiment_score":0.7744070887565613,"channel":1,"num_words":7,"start":1618.0599,"end":1620.135},{"sentences":[{"text":"No worries.","start":1619.825,"end":1620.565,"sentiment":"positive","sentiment_score":0.4088248908519745},{"text":"No.","start":1620.865,"end":1621.105,"sentiment":"positive","sentiment_score":0.4851047396659851},{"text":"That is no problem at all.","start":1621.105,"end":1622.465,"sentiment":"positive","sentiment_score":0.6379585663477579},{"text":"It was lovely speaking with you today, and thank you so much for your time.","start":1622.465,"end":1625.28,"sentiment":"positive","sentiment_score":0.8954461216926575},{"text":"And I hope you enjoy the rest of your afternoon.","start":1625.28,"end":1627.54,"sentiment":"positive","sentiment_score":0.8228094637393951}],"sentiment":"positive","sentiment_score":0.787949775948244,"channel":0,"num_words":34,"start":1619.825,"end":1627.54},{"sentences":[{"text":"Likewise.","start":1628.215,"end":1628.715,"sentiment":"positive","sentiment_score":0.5351628065109253},{"text":"Alright.","start":1628.855,"end":1629.255,"sentiment":"positive","sentiment_score":0.526395320892334},{"text":"Have a good","start":1629.255,"end":1629.735,"sentiment":"positive","sentiment_score":0.6686044335365295}],"sentiment":"positive","sentiment_score":0.6134742856025696,"channel":1,"num_words":5,"start":1628.215,"end":1629.735},{"sentences":[{"text":"Thank","start":1629.6,"end":1629.92,"sentiment":"positive","sentiment_score":0.7527360916137695}],"sentiment":"positive","sentiment_score":0.7527360916137695,"channel":0,"num_words":1,"start":1629.6,"end":1629.92},{"sentences":[{"text":"one.","start":1629.735,"end":1630.235,"sentiment":"positive","sentiment_score":0.6970406770706177}],"sentiment":"positive","sentiment_score":0.6970406770706177,"channel":1,"num_words":1,"start":1629.735,"end":1630.235},{"sentences":[{"text":"you so much.","start":1629.92,"end":1630.64,"sentiment":"positive","sentiment_score":0.76250692208608},{"text":"You too.","start":1630.64,"end":1631.36,"sentiment":"positive","sentiment_score":0.4455912411212921}],"sentiment":"positive","sentiment_score":0.6357406497001648,"channel":0,"num_words":5,"start":1629.92,"end":1631.36},{"sentences":[{"text":"Okay.","start":1631.015,"end":1631.515,"sentiment":"neutral","sentiment_score":0.2828037142753601}],"sentiment":"neutral","sentiment_score":0.2828037142753601,"channel":1,"num_words":1,"start":1631.015,"end":1631.515},{"sentences":[{"text":"Bye.","start":1631.36,"end":1631.86,"sentiment":"neutral","sentiment_score":0.22562441229820251}],"sentiment":"neutral","sentiment_score":0.22562441229820251,"channel":0,"num_words":1,"start":1631.36,"end":1631.86},{"sentences":[{"text":"Bye.","start":1631.655,"end":1632.155,"sentiment":"neutral","sentiment_score":-0.11206939816474916}],"sentiment":"neutral","sentiment_score":-0.11206939816474916,"channel":1,"num_words":1,"start":1631.655,"end":1632.155}]},"summary":{"result":"success","short":"The representative from Financial calls to discuss the customer's financial strategy recommendation and recommends staying in the high growth portfolio while growing their investment portfolio. They emphasize the importance of staying in the best super investment possible while also making sure the customer is in a good place. The speaker recommends changing investment portfolios and reducing fees, and provides information on risk profiles and beneficiary information. The underwriting process for a will and power of attorney is discussed, and the authority to proceed is given. The conversation ends with pleasantries and goodbyes."},"intents":{"segments":[{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yeah.","start_word":91,"end_word":124,"intents":[{"intent":"Confirm identity","confidence_score":0.22734159},{"intent":"Confirm identity","confidence_score":0.53707546}]},{"text":"Do you have access to your emails at the moment or or not really while you're at work? Not really.","start_word":184,"end_word":203,"intents":[{"intent":"Access email","confidence_score":0.20132798}]},{"text":"I need to sign something. Yeah. Yes. But only after I've gone through the recommendation if you're happy to do so. Okay.","start_word":309,"end_word":330,"intents":[{"intent":"Sign recommendation","confidence_score":0.5511795}]},{"text":"And it will still allow you to read it. So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything. And if you don't have time to obviously fully read it right now, it's okay. You can go back and have a read over it when you're not at work and have a bit more time as well. Okay.","start_word":333,"end_word":408,"intents":[{"intent":"Guide reading","confidence_score":0.0009474112}]},{"text":"Now it is pretty straightforward. It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything.","start_word":485,"end_word":508,"intents":[{"intent":"Understand information","confidence_score":0.0335614},{"intent":"Confirm clarity","confidence_score":0.00009172829}]},{"text":"Now it is pretty straightforward. It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything. And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you.","start_word":485,"end_word":536,"intents":[{"intent":"Understand recommendation","confidence_score":0.013473204}]},{"text":"Now second page talks about the best interest duty. You may have heard of that before. But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep.","start_word":620,"end_word":681,"intents":[{"intent":"Affirm implication","confidence_score":0.0000026010648},{"intent":"Discuss best interest duty","confidence_score":0.17899847}]},{"text":"Now as you scroll through, you will see a couple of pages in regards to scoping in and Yep. scoping out.","start_word":684,"end_word":704,"intents":[{"intent":"Scroll through","confidence_score":0.04303712}]},{"text":"The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees.","start_word":724,"end_word":761,"intents":[{"intent":"Plan superannuation","confidence_score":0.0019655873}]},{"text":"And I've also just included estate planning in regards to your insurances, making sure that's also set up.","start_word":762,"end_word":779,"intents":[{"intent":"Include estate planning","confidence_score":0.26606846}]},{"text":"It should talk about your risk profile.","start_word":840,"end_word":846,"intents":[{"intent":"Discuss risk profile","confidence_score":0.7655583}]},{"text":"Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive.","start_word":922,"end_word":960,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.3855272}]},{"text":"Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12. This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments.","start_word":994,"end_word":1033,"intents":[{"intent":"Discuss hub twenty four","confidence_score":0.00620179}]},{"text":"So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out. So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation.","start_word":1034,"end_word":1103,"intents":[{"intent":"Evaluate super fund options","confidence_score":0.031310055}]},{"text":"You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered.","start_word":1210,"end_word":1227,"intents":[{"intent":"Explaining benefits of investment options","confidence_score":0.000999355}]},{"text":"Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable. So that's the same in a super environment when you sell investments. So I've tried to keep this as little as possible for you.","start_word":1401,"end_word":1444,"intents":[{"intent":"Confirming information about tax rates","confidence_score":0.0000011106322}]},{"text":"So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that. Does that make Yep.","start_word":1552,"end_word":1581,"intents":[{"intent":"Decide investment decision","confidence_score":0.0014013828}]},{"text":"So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same. It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.","start_word":1811,"end_word":1890,"intents":[{"intent":"Decrease fees and improve returns","confidence_score":0.0014377912}]},{"text":"It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.","start_word":1853,"end_word":1889,"intents":[{"intent":"Compounding investment changes","confidence_score":0.111825936}]},{"text":"And you can see that across all time frames, the recommended has still outperformed your current portfolio. Makes sense?","start_word":1924,"end_word":1942,"intents":[{"intent":"Recommending investment changes","confidence_score":0.0028058495}]},{"text":"So we're still using that core satellite approach to investing. Have you ever heard of that before?","start_word":2115,"end_word":2131,"intents":[{"intent":"Using the core satellite approach","confidence_score":0.005465579},{"intent":"Using the core satellite approach","confidence_score":0.023373943}]},{"text":"You already have that in your portfolio before. We are just increasing the allocation a little bit.","start_word":2202,"end_word":2218,"intents":[{"intent":"Expand portfolio","confidence_score":0.003917067}]},{"text":"Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment.","start_word":2218,"end_word":2246,"intents":[{"intent":"Divert portfolio","confidence_score":0.0016271924}]},{"text":"Now this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio.","start_word":2267,"end_word":2286,"intents":[{"intent":"Remove Benelon australian equity","confidence_score":0.01742693}]},{"text":"Now what the other investments are is what we then call your satellite investment. Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you. But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments. Does that make sense so far? Yeah.","start_word":2352,"end_word":2430,"intents":[{"intent":"Maximize growth","confidence_score":0.8571328}]},{"text":"We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US.","start_word":2476,"end_word":2507,"intents":[{"intent":"Introduce investment in japan","confidence_score":0.43337616}]},{"text":"But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500. And we don't wanna have two overexposure into one market either.","start_word":2540,"end_word":2587,"intents":[{"intent":"Exclude us from market","confidence_score":0.0070122597}]},{"text":"document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it.","start_word":2872,"end_word":2896,"intents":[{"intent":"Determine document value","confidence_score":0.00019239757}]},{"text":"Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table. Can you see that?","start_word":2981,"end_word":3012,"intents":[{"intent":"Discuss asset allocation table","confidence_score":0.002751477}]},{"text":"insurances, we do get commission, which is 22% of the premium ongoing. Now that is Clearview paying us, though. It is not you paying us. But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that. Okay.","start_word":3400,"end_word":3453,"intents":[{"intent":"Deduct commissions","confidence_score":0.31060395}]},{"text":"So on the next couple of pages, it just shows you the authority to proceed. And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination.","start_word":3476,"end_word":3529,"intents":[{"intent":"Provide recommendations","confidence_score":0.04235091},{"intent":"Continue proceeding with recommendation","confidence_score":0.00055297493}]},{"text":"So on the next couple of pages, it just shows you the authority to proceed. And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination. But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document.","start_word":3476,"end_word":3553,"intents":[{"intent":"Review document","confidence_score":0.00960565}]},{"text":"So if I don't agree to move forward with this, I can Mhmm. just I don't have to do anything else. Right? I just remain on whatever I am on on a Correct. Correct. plan.","start_word":3673,"end_word":3707,"intents":[{"intent":"Confirm understanding","confidence_score":0.0034294887},{"intent":"Confirm agreement","confidence_score":0.0364271}]},{"text":"If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you. Okay.","start_word":3780,"end_word":3815,"intents":[{"intent":"Update decision preferences","confidence_score":0.000012534171}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Veronica from Financial. Hi. Hey. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.18976357579231265},{"text":"Good evening. Yeah. I'm good. Thank you. I had you booked in just to go over the strategy recommendations in regards to your superannuation investment.","start_word":12,"end_word":36,"sentiment":"positive","sentiment_score":0.4437539875507355},{"text":"Is that still a good time for you? Yep. Yeah. Okay.","start_word":37,"end_word":47,"sentiment":"neutral","sentiment_score":0.20202592015266416},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4270353615283966},{"text":"It shouldn't take too long. But before I do kind of jump in, just to be sure, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine.","start_word":49,"end_word":89,"sentiment":"neutral","sentiment_score":0.14685381948947906},{"text":"Perfect.","start_word":90,"end_word":90,"sentiment":"positive","sentiment_score":0.41660913825035095},{"text":"And just for security purposes, so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yeah. Willy. Date of birth is 01/25/1984. Address is 32 Arlington Park Parade, Nicollan, Victoria 3064. Perfect. And how's your day been so far? I've been busy. I'm just at work. Sorry. Trying to get through So the yes. day, I guess. Yeah. Mhmm. Like I said, I'll tryna keep it pretty quick for you. It is fairly straightforward today. Do you have access to your emails at the moment or or not really while you're at work? Not really. No. I That's was just okay. I've just actually stepped out into a a room for the call. Okay. I just so I don't have access to my emails. No. That's Although okay. hang on. I'll probably hang on. Let me see if I can access through my phone. Sure. I might just have to put you on speaker phone so I can hear and read the Yeah. emails if you need to. Yeah. That's okay. Did you did you already send me something? Yes. About a minute ago. So it should be yeah. Can be spam as well potentially if it's not there. Yeah. I need to sign something. Yeah. Yes. But only after I've gone through the recommendation if you're happy to do so. Okay. Cool.","start_word":91,"end_word":331,"sentiment":"neutral","sentiment_score":-0.006038155872374773},{"text":"And it will still allow you to read it. So even if you click on the link where it says sign now, you can look at the documents first before, like, it prompts you to do anything. And if you don't have time to obviously fully read it right now, it's okay. You can go back and have a read over it when you're not at work and have a bit more time as well.","start_word":332,"end_word":406,"sentiment":"positive","sentiment_score":0.38584861159324646},{"text":"Okay.","start_word":407,"end_word":407,"sentiment":"neutral","sentiment_score":0.33251142501831055},{"text":"But at least if, yeah, if you click on that, it will allow you to open it up, and then I can go through the main points with you now. And then, yes, you will have the opportunity when you have a bit more time to have a bit of a read over it as well.","start_word":408,"end_word":463,"sentiment":"positive","sentiment_score":0.458139568567276},{"text":"Okay. So let me know if you can see the cover page Where's the statement over the place? Yep. Yep.","start_word":464,"end_word":483,"sentiment":"neutral","sentiment_score":0.06854525953531265},{"text":"Perfect. Now it is pretty straightforward.","start_word":484,"end_word":489,"sentiment":"positive","sentiment_score":0.5168132781982422},{"text":"It is 34 pages, but a lot of it is just for compliance purposes so that you understand everything. And every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in the statement of advice for you. But I'll try to keep it as as quick as I can and cover the main points.","start_word":490,"end_word":553,"sentiment":"neutral","sentiment_score":0.31032660603523254},{"text":"But, basically, it has been tailored specifically for you, and it is my recommendation.","start_word":554,"end_word":567,"sentiment":"positive","sentiment_score":0.36047691106796265},{"text":"But at the end of the day, it is completely up to you if you would like to go ahead with the the change or not. On the cover page, you can also see my details listed. You can see my authorized representative number, and I am licensed under OCU Financial. Okay. Now second page talks about the best interest duty. You may have heard of that before. But, essentially, it means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yep.","start_word":568,"end_word":682,"sentiment":"neutral","sentiment_score":0.09553052484989166},{"text":"Perfect.","start_word":683,"end_word":683,"sentiment":"positive","sentiment_score":0.3735676109790802},{"text":"Now as you scroll through, you will see a couple of pages in regards to scoping in and Yep. scoping out. Basically, what that refers to is the areas we are touching on today.","start_word":684,"end_word":717,"sentiment":"neutral","sentiment_score":0.07218765467405319},{"text":"So like I said, pretty straightforward. The main focus in regards to your superannuation, making sure we have you in the best investment possible with the what's going on in the market, making sure we can get you the higher returns, also with fees. And I've also just included estate planning in regards to your insurances, making sure that's also set up. We have everything for your superannuation, but just included that for your insurance as well.","start_word":718,"end_word":794,"sentiment":"positive","sentiment_score":0.49572205543518066},{"text":"Okay? Okay. Yep. Otherwise, we're not making any changes in regards to your insurance cover or anything else, literally just in regards to those super investments we are focusing on today. Now if you can scroll down to page let's see here. 10 for me. It should talk about your risk profile. Yeah. Yep.","start_word":795,"end_word":848,"sentiment":"neutral","sentiment_score":-0.036790624260902405},{"text":"So when we, obviously, doing the under review where we talked about your how you feel about fluctuations and markets, you were quite happy to stay in a high growth portfolio. You do have plenty of time until retirement in order to try and focus on growing your superannuation as much as possible.","start_word":849,"end_word":901,"sentiment":"positive","sentiment_score":0.40620267391204834},{"text":"So I have not made a change in regards to that.","start_word":902,"end_word":912,"sentiment":"neutral","sentiment_score":-0.08132754266262054},{"text":"We're keeping you in a high growth for you.","start_word":913,"end_word":921,"sentiment":"positive","sentiment_score":0.5318899154663086},{"text":"Now what that looks like is, in terms of the asset allocation, is around 90 to 95 in those growth investments, like the international shares, domestic shares, and also property, and then about five to 10% in those defensive. Limit fluctuations a little bit, but the main focus is to grow your super as much as possible while you do have plenty of time before the time. Okay. Make sense? Yep. Yep. Now what that actually looks like in terms of the recommendation is if you wanna scroll to page 12. This outlines what I have recommended, which is that you stay in hub twenty four and literally just change your investments. So part of the research is I did consider a lot of other alternative super funds for you as well just to make sure that HUB twenty four is still the best option for you because there are always new products and features that comes out.","start_word":922,"end_word":1079,"sentiment":"neutral","sentiment_score":0.2138698399066925},{"text":"So it is good to assess and making sure we have you in the best super fund possible when we do make the recommendation. But for the time being, hub twenty four comes out very competitive when it comes to fees, features, and available investment choices, and I do use hub twenty four for my personal superannuation as well. So for the time being, I have recommended that we just change over some of the investments. Now I usually find the best way to have a look at it. So even though if you scroll through, you will see how this aligns with your best interest duty and how that would put you in a better position, factoring in investment objectives, time frame, capital gains tax, and everything for you.","start_word":1080,"end_word":1209,"sentiment":"positive","sentiment_score":0.4916876820417551},{"text":"You will also see some advantages, disadvantages, and risks to be mindful of as well as alternatives considered.","start_word":1210,"end_word":1227,"sentiment":"neutral","sentiment_score":0.1424231380224228},{"text":"But I usually find the best way to look at it is if you want to scroll down to page 15 for me first.","start_word":1228,"end_word":1251,"sentiment":"positive","sentiment_score":0.3378540575504303},{"text":"And you should have a fee comparison table. Can you see Yep. that? Yep. Yep.","start_word":1252,"end_word":1266,"sentiment":"neutral","sentiment_score":0.19983327388763428},{"text":"Perfect.","start_word":1267,"end_word":1267,"sentiment":"positive","sentiment_score":0.6996954679489136},{"text":"So, basically, what you scroll through is kinda what I'll touch on here for you, and then you can go and have a read over it. But like I said, I have recommended that you stay in Hub 24 and change your investment. Now what that actually looks like, you can see the change here.","start_word":1268,"end_word":1322,"sentiment":"neutral","sentiment_score":0.3268646001815796},{"text":"So you can see that the investment fee is actually reduced by quite a lot by changing your investment. So it will save you about $384 per year in just investment fees alone.","start_word":1323,"end_word":1355,"sentiment":"positive","sentiment_score":0.6801174283027649},{"text":"Now the one thing to be mindful of is if the top where you see balance difference and you see $5,550. Can you see that? Like, the first row where it says balance. Yeah. So the current column? The difference column. Oh, yeah. Yeah. Yep. Now what that is is that when you do sell investments or any investments, there are capital gains tax applicable. So that's the same in a super environment when you sell investments. So I've tried to keep this as little as possible for you. Now by doing a full switch, so if I were to sell all your investments and change them, the full capital gains tax that would be applicable would be about 1,635. So I've tried to reduce that as much as possible while still making sure we switch the investment that we want to put you in the best position. It is something I want you to be mindful of, though, and it does fluctuate on a daily. Obviously, it would market fluctuations on the investment, but it will be around 550, and that will come out directly from your superannuation when we do make the investment change. So it's not something that you would have to pay for yourself, and you don't have to declare it on tax returns or anything like that. Does that make Yep. sense? Yep. Now what that also looks like in terms of the return difference, you can see here it's quite substantial actually when we are looking at a five year rolling average.","start_word":1356,"end_word":1613,"sentiment":"neutral","sentiment_score":0.12371230022909568},{"text":"So even though they are both a high growth portfolio, the recommended has outperformed your current portfolio by by quite a bit.","start_word":1614,"end_word":1635,"sentiment":"positive","sentiment_score":0.3716280162334442},{"text":"Now, obviously, we can't guarantee what is going to happen in the market and in the world, but that is also why we like to use a five year rolling average. Because using a five year time frame gives us a little bit more certainty of what has happened in the market and the portfolio than if we, for example, use a twelve month period. Because depending on when we use that twelve month period, some years, it would have looked like you've won the lottery, whereas other years are not as great. So that's why we like to use a five year rolling average when we are looking at forecasting and historical Yep. Yeah. Does that make sense? Yeah. Do you have any questions in regards to this table otherwise? Not at the moment. No. No. No. I That's probably okay. will once I've had a proper Yeah. look. Yeah. No. That's perfectly fine. Now on your scroll to the next page, you can then see things forecasted for five and ten years. So you can see that there are quite a big difference when we are looking at the five and the ten year time frame, and that is assuming your contribution stays the same, insurances stays the same, the advice fee stays the same.","start_word":1636,"end_word":1852,"sentiment":"neutral","sentiment_score":0.11024032011284808},{"text":"It is literally just making those investment changes, which is reducing the fees and improving those returns for you, and, obviously, compounding then makes a a pretty big difference when we're looking a bit more long term.","start_word":1853,"end_word":1889,"sentiment":"positive","sentiment_score":0.5481041669845581},{"text":"Now you can also see the table underneath it. I have included a bit more in regards to the historical returns. So you can see twelve months, three years, five years, and ten years.","start_word":1890,"end_word":1923,"sentiment":"neutral","sentiment_score":0.2513096332550049},{"text":"And you can see that across all time frames, the recommended has still outperformed your current portfolio.","start_word":1924,"end_word":1940,"sentiment":"positive","sentiment_score":0.442507266998291},{"text":"Makes sense? Yep. Yep.","start_word":1941,"end_word":1944,"sentiment":"neutral","sentiment_score":0.21347975730895996},{"text":"Perfect.","start_word":1945,"end_word":1945,"sentiment":"positive","sentiment_score":0.5414141416549683},{"text":"Now what that actually looks like in terms of the recommended investment changes is outlined on page 17. You should have a investment table. It might be a Yeah. little bit tricky on the phone, but, essentially, what it is, you can see all the investments. You can see the little special code associated with them. You can see your current weight, the how much you currently have in the investment, what that looks like in terms of a dollar figure, and then you can see the buy and sell column. So everything in red is what we are looking at selling, and black is what we are buying. Now you can then see the target weight, so what we are aiming for, and what that looks like in terms of a dollar figure. So you can see that we are not changing all of the investments, just a couple. Now when we are putting together our portfolio, the investment philosophy and how we structure things has not changed. So we're still using that core satellite approach to investing. Have you ever heard of that before? No. No. Basically, what it means is that we invest majority of the funds in the core, which basically represents the backbone of the portfolio and essentially are like your passive index funds that have done really well in the past and that are very diversified. So these are like your biggest shareholding. So you can see, for example, at 35%, you have the iShares S and P 500. You already have that in your portfolio before. We are just increasing the allocation a little bit. Now, basically, what this one investment is, it is very diversified because you do invest in the 500 largest companies listed in The US in that one single investment.","start_word":1946,"end_word":2246,"sentiment":"neutral","sentiment_score":0.10475406142267278},{"text":"So, obviously, very diversified. It gives you good exposure.","start_word":2247,"end_word":2255,"sentiment":"positive","sentiment_score":0.506816565990448},{"text":"Another one is your 25% at the beta shares Australia 200. Now this is kind of in replacement of your Benelon Australian equity, which we wanted to remove from the portfolio. That was the one that was underperforming a little bit, but we still wanna make sure you have exposure to the Australian market. That one here basically invests in the 200 largest companies listed in Australia. So you'll have all the big companies like Commonwealth and BHP and Woolworths. So, again, very diversified, and that is why they have the higher allocation allocated to them. Now what the other investments are is what we then call your satellite investment. Basically, what they are are your more kind of dynamic and specialized investments, and they kind of target specific regions, sectors, or different asset classes in order to try to maximize that growth for you. But they can also be a little bit more volatile, and that is why we only allocate a smaller portion to these investments. Does that make sense so far? Yeah.","start_word":2256,"end_word":2430,"sentiment":"neutral","sentiment_score":0.07551438361406326},{"text":"Perfect.","start_word":2431,"end_word":2431,"sentiment":"positive","sentiment_score":0.40255069732666016},{"text":"So you Mhmm. can see we are keeping, for example, beta share cybersecurity in your portfolio. Just increasing it just slightly to 6%. Same with the iShares Europe. You already have that in your portfolio. Again, just increasing it a little bit to 9%. We are then introducing a investment in Japan just at about 5% because we wanna make sure we have very diversified across the globe and not just in Australia and The US.","start_word":2432,"end_word":2507,"sentiment":"neutral","sentiment_score":0.22398634254932404},{"text":"We wanna give you good diversification.","start_word":2508,"end_word":2513,"sentiment":"positive","sentiment_score":0.3654487431049347},{"text":"That also comes into play, the one underneath it, which is your Vanguard All World. Now you may have heard of Vanguard before. They're quite big. But, basically, this one investment at about 8% invest in companies all around the globe, but it does exclude The US because you already have exposure to The US market in that IHS S and P 500. And we don't wanna have two overexposure into one market either. Does that make sense? Mhmm. Yep. And now we also then have your your defensive investment. So, again, a little bit to kinda limit fluctuations, which if you scroll down, the table kind of splits into the next page. You will see 7% in gold to kinda stabilize a little bit for you, especially when there are a bit of fluctuations in the market, and then 5% into your your fixed interest.","start_word":2514,"end_word":2659,"sentiment":"neutral","sentiment_score":0.15921694234217684},{"text":"So, again, trying to limit fluctuation, and that basically gives you the portfolio.","start_word":2660,"end_word":2672,"sentiment":"positive","sentiment_score":0.34064188599586487},{"text":"Now if you wanted to, when you have a bit more time, go and read up on these investments as well. In the appendix, which is the second attachment that you can see in this document later, I have included all the investment links through these investments.","start_word":2673,"end_word":2719,"sentiment":"neutral","sentiment_score":0.24852026998996735},{"text":"So full transparency, so you can go and have a look at them if you would like to as well.","start_word":2720,"end_word":2739,"sentiment":"positive","sentiment_score":0.356609046459198},{"text":"Okay. Now you will also see just the cash account on the same page 18. With Hub twenty four, they do have a minimum of 1.25% that has to be in cash in the account, and that is just for, like, administration fees and processing and everything.","start_word":2740,"end_word":2786,"sentiment":"neutral","sentiment_score":0.18644432723522184},{"text":"So we do wanna keep it as close to the target way as possible because we want majority of your money invested because that is going to give you that growth.","start_word":2787,"end_word":2817,"sentiment":"positive","sentiment_score":0.49801087379455566},{"text":"So we have to keep about a minimum of that 1.25 in hub 24 for you. Any questions so far? No. Nope. It's a lot of Now lot of information to digest. very much, which is why I want you as well, especially when you're not at work, to take some time. The Yeah.","start_word":2818,"end_word":2871,"sentiment":"neutral","sentiment_score":0.0783483162522316},{"text":"document is valid for a little while, so you can take your time, obviously, when you're not at work and have a read over it.","start_word":2872,"end_word":2896,"sentiment":"positive","sentiment_score":0.341061532497406},{"text":"And if you have any other questions, you can just send me an email or or give me a call, and we can always book in another catch up Yeah. to go through it. Okay. And that's why there is so much it's quite wordy, this document, and Yeah.","start_word":2897,"end_word":2945,"sentiment":"neutral","sentiment_score":0.18286824226379397},{"text":"it is to allow you the opportunity as well.","start_word":2946,"end_word":2954,"sentiment":"positive","sentiment_score":0.37618038058280945},{"text":"So, basically, everything I'm kind of explaining, it puts that into words so that you can go and have a read over it as well. Yeah. Now almost at the end, but, basically, what that looks like in terms of the asset allocation, which is page 19, you should have an asset allocation table. Can you see that? Yep. Yep. So you can see here the risk profile first for that high growth aiming for around that 9010 split, but it can obviously change with market fluctuations. You can see your existing portfolio and then the proposed. But you can see that the proposed have a little bit higher allocation through those for growth investments, but both still align with your high growth portfolio. Does that make sense? Mhmm. Yep. And the last thing is just in regards to your beneficiary.","start_word":2955,"end_word":3095,"sentiment":"neutral","sentiment_score":0.1002953201532364},{"text":"So like I said, we have everything sorted for your superannuation, which is fantastic. I I have just included the same recommendation for just your Clearview insurances just to make sure that's also set up.","start_word":3096,"end_word":3130,"sentiment":"positive","sentiment_score":0.5181994438171387},{"text":"So if something were to happen to you, that it would go to your partner. Okay. Yep. Now I have also just included some information in regards to setting up a will and power of attorney.","start_word":3131,"end_word":3166,"sentiment":"neutral","sentiment_score":0.2243572473526001},{"text":"It is something I always recommend everyone to consider.","start_word":3167,"end_word":3175,"sentiment":"positive","sentiment_score":0.4657045304775238},{"text":"So I have included a couple of pages in regards to the importance of setting up a will and power of attorney if that is something you would like to do down the track. Yep. Now the last thing is just in regards to the ongoing advice fee. So if you wanna scroll down to page 29 for me. Yep. Yep. So like I mentioned during the under review, there is no changes in regards to the fee structure. It stays exactly the same at 1.65 from Super. There is no additional fees and charges for, obviously, this advice. And if you do wanna go ahead with the the recommendation, that is all part of the the ongoing advice fees and no additional fees and charges in regards to that. It's also not a lock in contract.","start_word":3176,"end_word":3312,"sentiment":"neutral","sentiment_score":0.16238287091255188},{"text":"So if at any point in time, you are not happy.","start_word":3313,"end_word":3323,"sentiment":"negative","sentiment_score":-0.4199534058570862},{"text":"It is not a lock in contract. We also display it on a yearly amount for you, but it is deducted monthly to make it a little bit fair for you with, obviously, market fluctuations. But then, also, if you're not it's like a a full commitment for a full year as well. It is just deducted monthly for you. Makes sense? Yep. Now I have also just shown you the Clearview insurances. So with Yep. insurances, we do get commission, which is 22% of the premium ongoing. Now that is Clearview paying us, though. It is not you paying us. But for compliance purposes, we have to disclose any commissions that we receive so that you are fully aware of it, but no changes in regards to that. Okay. Yep. Do you have any questions in regards to any of that so far? No. No.","start_word":3324,"end_word":3469,"sentiment":"neutral","sentiment_score":0.13511508978801232},{"text":"Perfect.","start_word":3470,"end_word":3470,"sentiment":"positive","sentiment_score":0.36335352063179016},{"text":"And that basically summarizes everything. So on the next couple of pages, it just shows you the authority to proceed.","start_word":3471,"end_word":3490,"sentiment":"neutral","sentiment_score":0.31244006752967834},{"text":"And that is if you are happy to go ahead with the recommendation, we are then looking at keeping your hub 24 and simply changing those underlying investments for you and then also in regards to those beneficiary nomination.","start_word":3491,"end_word":3529,"sentiment":"positive","sentiment_score":0.3821292817592621},{"text":"But like I said, you have the option, obviously, of when you're not at work, take your time, have a read over the document. If you have any questions, just email me or or email, my colleague Whitlam who will then book you in for a catch up with me if there is anything you do wanna run through.","start_word":3530,"end_word":3588,"sentiment":"neutral","sentiment_score":0.28406772017478943},{"text":"If you do have a read over it and it all makes sense and you are happy with the recommendation to then move forward, it will just ask you to sign these documents that you are in the email now. Once you've added the signature, it then automatically sends it back to me, and that tells me that you are happy to go ahead with the recommendation.","start_word":3589,"end_word":3655,"sentiment":"positive","sentiment_score":0.5268738865852356},{"text":"Okay. Now do you have any questions before I let you go back to work otherwise? No. So if I don't agree to move forward with this, I can Mhmm. just I don't have to do anything else. Right? I just remain on whatever I am on on a Correct. Correct. plan. I do ask if it's possible for you to email me just so that I know that you have made a decision. So Yeah. whether you email me and just say, hey. I've decided not to go ahead. That way, I can tell the team to not follow-up with you or email or call you to to get an answer, and that's what you decide.","start_word":3656,"end_word":3772,"sentiment":"neutral","sentiment_score":-0.009357165752185715},{"text":"But, yes, the choice is completely yours.","start_word":3773,"end_word":3779,"sentiment":"positive","sentiment_score":0.33524417877197266},{"text":"If you decide that you want to leave everything at it or whether you wanna go ahead with the recommendation, just let me know what you have decided, and it is completely up to you. Okay. Yep. Do I have access to the what I'm currently on at the moment? What do you mean what you're currently on? Like, similar like, if I just have just so I can compare and make a decision a decision based on that, I Yes. guess. So yeah. No. So when you went back up to that table so first on the investments, you will see it in that investment table switch. You will see what you are currently invested in, which is where you let me just scroll it up for you so I can tell you exactly. That that's page 17. Right? Let me just I'll just scroll up just so I can tell you for sure. Yes. Correct. So you can see the the column versus current weight. So that is what you are currently in. So if you Yes. decide you don't wanna change, that stays the same. If you then scroll back to page 15, you can see the current column. So that is all your current fees and the current returns and everything. So, again, if you decide that you don't want to go ahead with a recommendation, that's your current situation. Okay. Cool. Yep. Yep. And that's the same with that table on page 16. You can see then current, which is, again, if you decide you don't wanna go ahead, the current prediction and then also the current return on those investments. Yep. Okay. Yep. Does does Yeah. that answer that question for you? Yeah. It does. Alright. Yeah.","start_word":3780,"end_word":4072,"sentiment":"neutral","sentiment_score":0.05520731955766678},{"text":"Thank you. Perfect.","start_word":4073,"end_word":4075,"sentiment":"positive","sentiment_score":0.5514233112335205},{"text":"No.","start_word":4076,"end_word":4076,"sentiment":"neutral","sentiment_score":-0.0048690736293792725},{"text":"That's okay.","start_word":4077,"end_word":4078,"sentiment":"positive","sentiment_score":0.4319140613079071},{"text":"So I will let you go and get back to work. I know there's a lot to process, so so take your time. Any questions, just let me know what you want to do at the end the day. And if you do have a read over and you have a couple more questions, again, just let me know, and we can always do another little catch up when it's suitable for you.","start_word":4079,"end_word":4151,"sentiment":"neutral","sentiment_score":0.1210779994726181},{"text":"Alright. Sounds good. Thanks for your help. No worries. No. That is no problem at all. It was lovely speaking with you today, and thank you so much for your time. And I hope you enjoy the rest of your afternoon. Likewise. Alright. Have a good Thank one. you so much. You too.","start_word":4152,"end_word":4204,"sentiment":"positive","sentiment_score":0.7237555384635925},{"text":"Okay. Bye. Bye.","start_word":4205,"end_word":4207,"sentiment":"neutral","sentiment_score":0.22170543670654297}],"average":{"sentiment":"neutral","sentiment_score":0.1924709035389459}}}}