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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Great. Perfect. So what I have done is I'm just about to send you an updated SOA just because, obviously, the the time frame from when we did it. Now Jordan did tell me that you had a bit of issues signing the document. It was kind of playing up a little bit on you. Yeah. So Madison is just about to send it. Disregard the first one she sent because it didn't have the text box in it. So she's just about to send you a new one, and she will let me know when she send it so I can let you know, which we which we've sent it through a different different software to see if, hopefully, this is working a bit better. Yeah. Yeah. It's frustrating. No. That's okay. And it is a bit frustrating sometimes with technology and stuff like that. So we have tried a new software, so hopefully that works a bit better. And while I wait for for Maddie to send that one through, I'll just quickly run through a couple of changes for you. Not much has changed, really. Just basically updating it because of the time frame, really. Now Jordan did tell me as well that you were happy to proceed without the insurances? Yep. Perfect. So that's why we've added that textbook there for you. So the SOA at the moment has been updated as per the advice. So it currently has the insurances in it. We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that is no problem at all. And we'll just go ahead with the superannuation side of it. No. That's okay. Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year. And to make things a bit easier for you and also making sure everything is finalized and streamlined, I have suggested that we transfer everything over to have 24, get it all set up, but then actually start the pension withdrawal and the increase in the salary set at the end of the start of the new financial year. So in July, we kind of start the pension withdrawal and the salary sacrifice to make it a bit easier if you are happy with that. Yeah. Yeah. Yeah. Yes. Yeah. And we can exactly. Now we can still we'll obviously still start the implementation process. We'll open up your hub 24. We'll close down your other account. So we'll still do all of that. Obviously, cancel all those insurances. That can all be sorted and ready to go for you. Yep. Perfect. Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment. So there's been a slight drop in both the recommended, but then also your return. Not really anything major because we are looking obviously long term, but the three year rolling average on the recommended portfolio is 15.5, which is still a lot better than your rest portfolio, which is that 7.72. And that's obviously just the nature of of of the market and stuff. Obviously, depending on when we do it, it tends to fluctuate a little bit for you, but still obviously doing yeah. Yes. Yes. Yep. Exactly. So everything is updated for you. The the new pension withdrawal and stuff like that is all added there for you as well. You don't really have to keep an eye on it because we've obviously worked on all the numbers. But just for your reference, when we do start the pension withdrawal, it will be about 266 per fortnight, and then we are increasing the salary stack through about 692 per fortnight. Basic mhmm. Yes. So increasing that for you and then doing the pension withdrawal, so taking it tax free from super. So, obviously, making sure that your net income stays the same. Three 6. Exactly. Which means that your net income after tax will stay exactly the same. But by doing it as well, you do save about $1,734 in tax, which is which is a nice bonus. So that is basically it's there's no changes to the investment structures otherwise or asset allocation or anything like that. It's just a slight update in the numbers, obviously, because your balance went up in rest, which is good. So we've just had to kind of rejig the numbers there a little bit for you. Yeah. Yeah. Yeah. Now Maddie just told me that she just resend that document to you. Did that new one come through at all there, Andrew? Yes. Perfect. So yep. So that is that is the new one they updated for you. And like like I said, there is a textbook added at the bottom, which allow you to say that, obviously, you're happy without the insurances, and then we can get that all sorted for you. And now, Andrew, do you have any questions for me at all or any any other no? Yeah. Correct. Yes. Yep. I think that's more for the hub 24. Yeah. It's just kind of all those supporting documents that you don't need to sign just for your reference. Yeah. Yeah. It's the same one. Yep. It's more yep. Basically, everything you need to know. There's a lot, but, basically, everything that you do need to know is in there for you. Yep. Yep. Yep. Yep. Yeah. Yes. That's right. Exactly. Yeah. Yep. Perfect. If you do have any other questions, obviously, let me know. But, otherwise, while I do have you on your on the phone, I can get you booked in with Jordan and Maddie again just for a quick kind of official welcome and kind of run through the next step with you. Are you available, like, tomorrow or Wednesday, or when is a good time for you? It it won't be very long. Yeah? Okay. And about now, 05:15 is the best time? Yeah? Okay. Perfect. So Jordan will just give you a quick call on Wednesday at 05:15. If you've had any issues with the documents, you can kind of guide and talk you through it as well. And, yeah, and it's just a pretty quick one, so it won't take too long. And then, obviously, from there, we'll obviously go ahead and implement everything. And then when you onboard us a client as well, we'll also speak to Charlotte and look to reduce her ongoing advice fee as well, which is great. Yep. Perfect. No worries, Andrew. I'll let you go and enjoy your afternoon. I will give you a call on Wednesday. No problem, Andrew. We'll speak soon. 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afternoon, Andrew. Veronica from OC Financial. How are you? That's good. No.\n\nThat's alright. I had you booked in for a a quick catch up, really. Is now still a good time? Yeah. Right.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Great. Perfect.\n\nSo what I have done is I'm just about to send you an updated SOA just because, obviously, the the time frame from when we did it. Now Jordan did tell me that you had a bit of issues signing the document. It was kind of playing up a little bit on you. Yeah. So Madison is just about to send it.\n\nDisregard the first one she sent because it didn't have the text box in it. So she's just about to send you a new one, and she will let me know when she send it so I can let you know, which we which we've sent it through a different different software to see if, hopefully, this is working a bit better. Yeah. Yeah. It's frustrating.\n\nNo. That's okay. And it is a bit frustrating sometimes with technology and stuff like that. So we have tried a new software, so hopefully that works a bit better. And while I wait for for Maddie to send that one through, I'll just quickly run through a couple of changes for you.\n\nNot much has changed, really. Just basically updating it because of the time frame, really. Now Jordan did tell me as well that you were happy to proceed without the insurances? Yep. Perfect.\n\nSo that's why we've added that textbook there for you. So the SOA at the moment has been updated as per the advice. So it currently has the insurances in it. We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that is no problem at all. And we'll just go ahead with the superannuation side of it.\n\nNo. That's okay. Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year. And to make things a bit easier for you and also making sure everything is finalized and streamlined, I have suggested that we transfer everything over to have 24, get it all set up, but then actually start the pension withdrawal and the increase in the salary set at the end of the start of the new financial year. So in July, we kind of start the pension withdrawal and the salary sacrifice to make it a bit easier if you are happy with that.\n\nYeah. Yeah. Yeah. Yes. Yeah.\n\nAnd we can exactly. Now we can still we'll obviously still start the implementation process. We'll open up your hub 24. We'll close down your other account. So we'll still do all of that.\n\nObviously, cancel all those insurances. That can all be sorted and ready to go for you. Yep. Perfect. Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment.\n\nSo there's been a slight drop in both the recommended, but then also your return. Not really anything major because we are looking obviously long term, but the three year rolling average on the recommended portfolio is 15.5, which is still a lot better than your rest portfolio, which is that 7.72. And that's obviously just the nature of of of the market and stuff. Obviously, depending on when we do it, it tends to fluctuate a little bit for you, but still obviously doing yeah. Yes.\n\nYes. Yep. Exactly. So everything is updated for you. The the new pension withdrawal and stuff like that is all added there for you as well.\n\nYou don't really have to keep an eye on it because we've obviously worked on all the numbers. But just for your reference, when we do start the pension withdrawal, it will be about 266 per fortnight, and then we are increasing the salary stack through about 692 per fortnight. Basic mhmm. Yes. So increasing that for you and then doing the pension withdrawal, so taking it tax free from super.\n\nSo, obviously, making sure that your net income stays the same. Three 6. Exactly. Which means that your net income after tax will stay exactly the same. But by doing it as well, you do save about $1,734 in tax, which is which is a nice bonus.\n\nSo that is basically it's there's no changes to the investment structures otherwise or asset allocation or anything like that. It's just a slight update in the numbers, obviously, because your balance went up in rest, which is good. So we've just had to kind of rejig the numbers there a little bit for you. Yeah. Yeah.\n\nYeah. Now Maddie just told me that she just resend that document to you. Did that new one come through at all there, Andrew? Yes. Perfect.\n\nSo yep. So that is that is the new one they updated for you. And like like I said, there is a textbook added at the bottom, which allow you to say that, obviously, you're happy without the insurances, and then we can get that all sorted for you. And now, Andrew, do you have any questions for me at all or any any other no? Yeah.\n\nCorrect. Yes. Yep. I think that's more for the hub 24. Yeah.\n\nIt's just kind of all those supporting documents that you don't need to sign just for your reference. Yeah. Yeah. It's the same one. Yep.\n\nIt's more yep. Basically, everything you need to know. There's a lot, but, basically, everything that you do need to know is in there for you. Yep. Yep.\n\nYep. Yep. Yeah. Yes. That's right.\n\nExactly. Yeah. Yep. Perfect. If you do have any other questions, obviously, let me know.\n\nBut, otherwise, while I do have you on your on the phone, I can get you booked in with Jordan and Maddie again just for a quick kind of official welcome and kind of run through the next step with you. Are you available, like, tomorrow or Wednesday, or when is a good time for you? It it won't be very long. Yeah? Okay.\n\nAnd about now, 05:15 is the best time? Yeah? Okay. Perfect. So Jordan will just give you a quick call on Wednesday at 05:15.\n\nIf you've had any issues with the documents, you can kind of guide and talk you through it as well. And, yeah, and it's just a pretty quick one, so it won't take too long. And then, obviously, from there, we'll obviously go ahead and implement everything. And then when you onboard us a client as well, we'll also speak to Charlotte and look to reduce her ongoing advice fee as well, which is great. Yep.\n\nPerfect. No worries, Andrew. I'll let you go and enjoy your afternoon. I will give you a call on Wednesday. No problem, Andrew.\n\nWe'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Andrew.","start":3.28,"end":4.24,"sentiment":"neutral","sentiment_score":0.3145668903986613},{"text":"Veronica from OC Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.22605063021183014},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.17762530346711478},{"text":"That's good.","start":9.5199995,"end":10.42,"sentiment":"positive","sentiment_score":0.4187753200531006},{"text":"No.","start":10.559999,"end":10.8,"sentiment":"neutral","sentiment_score":0.06539645791053772}],"sentiment":"neutral","sentiment_score":0.2525943231124144,"num_words":13,"start":3.28,"end":10.8},{"sentences":[{"text":"That's alright.","start":10.8,"end":11.62,"sentiment":"neutral","sentiment_score":0.13722526654601097},{"text":"I had you booked in for a a quick catch up, really.","start":12.815001,"end":16.015,"sentiment":"neutral","sentiment_score":0.2041475474834442},{"text":"Is now still a good time?","start":16.015,"end":17.315,"sentiment":"neutral","sentiment_score":0.18676299353440604},{"text":"Yeah.","start":18.575,"end":19.075,"sentiment":"neutral","sentiment_score":0.07416427135467529},{"text":"Right.","start":19.215,"end":19.715,"sentiment":"neutral","sentiment_score":0.1852123886346817}],"sentiment":"neutral","sentiment_score":0.18655344200405208,"num_words":22,"start":10.8,"end":19.715},{"sentences":[{"text":"Perfect.","start":20.335,"end":20.835,"sentiment":"neutral","sentiment_score":0.3250182271003723},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.215,"end":28.47,"sentiment":"neutral","sentiment_score":0.03603126821589881},{"text":"Yep.","start":29.73,"end":30.23,"sentiment":"neutral","sentiment_score":0.09871375560760498},{"text":"Great.","start":30.369999,"end":30.869999,"sentiment":"positive","sentiment_score":0.4807485044002533},{"text":"Perfect.","start":30.929998,"end":31.429998,"sentiment":"positive","sentiment_score":0.3748358488082886}],"sentiment":"neutral","sentiment_score":0.07043100345992681,"num_words":33,"start":20.335,"end":31.429998},{"sentences":[{"text":"So what I have done is I'm just about to send you an updated SOA just because, obviously, the the time frame from when we did it.","start":31.81,"end":43.204998,"sentiment":"neutral","sentiment_score":0.051061150790364655},{"text":"Now Jordan did tell me that you had a bit of issues signing the document.","start":43.204998,"end":47.285,"sentiment":"neutral","sentiment_score":-0.046358875061074896},{"text":"It was kind of playing up a little bit on you.","start":47.285,"end":49.545,"sentiment":"neutral","sentiment_score":-0.0348320273174481},{"text":"Yeah.","start":55.829998,"end":56.149998,"sentiment":"neutral","sentiment_score":-0.01095261424779892},{"text":"So Madison is just about to send it.","start":56.149998,"end":58.65,"sentiment":"neutral","sentiment_score":-0.02517578680999577}],"sentiment":"neutral","sentiment_score":0.001415431229097228,"num_words":62,"start":31.81,"end":58.65},{"sentences":[{"text":"Disregard the first one she sent because it didn't have the text box in it.","start":59.03,"end":63.53,"sentiment":"neutral","sentiment_score":-0.1301917384068171},{"text":"So she's just about to send you a new one, and she will let me know when she send it so I can let you know, which we which we've sent it through a different different software to see if, hopefully, this is working a bit better.","start":63.67,"end":80.215,"sentiment":"neutral","sentiment_score":0.007978410995069971},{"text":"Yeah.","start":92.38,"end":92.88,"sentiment":"neutral","sentiment_score":-0.04503336548805237},{"text":"Yeah.","start":94.14,"end":94.64,"sentiment":"neutral","sentiment_score":-0.05929111689329147},{"text":"It's frustrating.","start":94.86,"end":95.439995,"sentiment":"negative","sentiment_score":-0.4155904948711395}],"sentiment":"neutral","sentiment_score":-0.03808176108269078,"num_words":66,"start":59.03,"end":95.439995},{"sentences":[{"text":"No.","start":99.034996,"end":99.435,"sentiment":"neutral","sentiment_score":-0.25938597321510315},{"text":"That's okay.","start":99.435,"end":100.075,"sentiment":"neutral","sentiment_score":-0.23822634667158127},{"text":"And it is a bit frustrating sometimes with technology and stuff like that.","start":100.075,"end":103.354996,"sentiment":"negative","sentiment_score":-0.3728918398802097},{"text":"So we have tried a new software, so hopefully that works a bit better.","start":103.354996,"end":107.295,"sentiment":"neutral","sentiment_score":0.12335382880909103},{"text":"And while I wait for for Maddie to send that one through, I'll just quickly run through a couple of changes for you.","start":108.075,"end":115.06,"sentiment":"neutral","sentiment_score":0.06945540108110594}],"sentiment":"neutral","sentiment_score":-0.042622731260533606,"num_words":53,"start":99.034996,"end":115.06},{"sentences":[{"text":"Not much has changed, really.","start":115.12,"end":116.98,"sentiment":"neutral","sentiment_score":-0.1732289209961891},{"text":"Just basically updating it because of the time frame, really.","start":118.16,"end":122.5,"sentiment":"neutral","sentiment_score":-0.056698469817638396},{"text":"Now Jordan did tell me as well that you were happy to proceed without the insurances?","start":123.04,"end":128.305,"sentiment":"neutral","sentiment_score":0.2537754182703793},{"text":"Yep.","start":129.885,"end":130.36499,"sentiment":"positive","sentiment_score":0.3970568776130676},{"text":"Perfect.","start":130.36499,"end":130.86499,"sentiment":"positive","sentiment_score":0.6440354585647583}],"sentiment":"neutral","sentiment_score":0.11116271894989592,"num_words":33,"start":115.12,"end":130.86499},{"sentences":[{"text":"So that's why we've added that textbook there for you.","start":131.00499,"end":133.64499,"sentiment":"positive","sentiment_score":0.4423428803682327},{"text":"So the SOA at the moment has been updated as per the advice.","start":133.64499,"end":138.545,"sentiment":"neutral","sentiment_score":0.3135085679017581},{"text":"So it currently has the insurances in it.","start":138.66,"end":141.24,"sentiment":"neutral","sentiment_score":0.18144469894468784},{"text":"We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that is no problem at all.","start":141.86,"end":154.83499,"sentiment":"positive","sentiment_score":0.39114278013055975},{"text":"And we'll just go ahead with the superannuation side of it.","start":154.83499,"end":158.53499,"sentiment":"neutral","sentiment_score":0.2221644859422337}],"sentiment":"positive","sentiment_score":0.34424057498920796,"num_words":86,"start":131.00499,"end":158.53499},{"sentences":[{"text":"No.","start":160.75499,"end":160.995,"sentiment":"neutral","sentiment_score":0.08060985803604126},{"text":"That's okay.","start":160.995,"end":161.795,"sentiment":"neutral","sentiment_score":0.14863959699869156},{"text":"Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year.","start":161.795,"end":175.70999,"sentiment":"neutral","sentiment_score":0.09630621561691874},{"text":"And to make things a bit easier for you and also making sure everything is finalized and streamlined, I have suggested that we transfer everything over to have 24, get it all set up, but then actually start the pension withdrawal and the increase in the salary set at the end of the start of the new financial year.","start":176.25,"end":196.315,"sentiment":"neutral","sentiment_score":0.2301906233621856},{"text":"So in July, we kind of start the pension withdrawal and the salary sacrifice to make it a bit easier if you are happy with that.","start":196.315,"end":204.39,"sentiment":"neutral","sentiment_score":0.26250366178842693}],"sentiment":"neutral","sentiment_score":0.19099301609855432,"num_words":130,"start":160.75499,"end":204.39},{"sentences":[{"text":"Yeah.","start":206.21,"end":206.71,"sentiment":"neutral","sentiment_score":0.02494882419705391},{"text":"Yeah.","start":212.285,"end":212.785,"sentiment":"neutral","sentiment_score":-0.03201552852988243},{"text":"Yeah.","start":213.96501,"end":214.46501,"sentiment":"neutral","sentiment_score":-0.08233574777841568},{"text":"Yes.","start":219.485,"end":219.80501,"sentiment":"neutral","sentiment_score":-0.09561236202716827},{"text":"Yeah.","start":219.80501,"end":220.04501,"sentiment":"neutral","sentiment_score":-0.1139829233288765}],"sentiment":"neutral","sentiment_score":-0.0597995474934578,"num_words":5,"start":206.21,"end":220.04501},{"sentences":[{"text":"And we can exactly.","start":220.04501,"end":222.705,"sentiment":"neutral","sentiment_score":-0.1479485221207142},{"text":"Now we can still we'll obviously still start the implementation process.","start":223.085,"end":226.49,"sentiment":"neutral","sentiment_score":0.08790974522178824},{"text":"We'll open up your hub 24.","start":226.49,"end":228.35,"sentiment":"neutral","sentiment_score":0.13944010064005852},{"text":"We'll close down your other account.","start":228.81,"end":230.67,"sentiment":"neutral","sentiment_score":0.07945429409543674},{"text":"So we'll still do all of that.","start":231.21,"end":232.57,"sentiment":"neutral","sentiment_score":0.10316913574934006}],"sentiment":"neutral","sentiment_score":0.0709048066945637,"num_words":34,"start":220.04501,"end":232.57},{"sentences":[{"text":"Obviously, cancel all those insurances.","start":232.57,"end":234.19,"sentiment":"neutral","sentiment_score":-0.03354594213888049},{"text":"That can all be sorted and ready to go for you.","start":234.49,"end":237.825,"sentiment":"neutral","sentiment_score":0.15595426241105254},{"text":"Yep.","start":238.305,"end":238.805,"sentiment":"negative","sentiment_score":-0.3692261576652527},{"text":"Perfect.","start":239.825,"end":240.325,"sentiment":"neutral","sentiment_score":0.22715288400650024},{"text":"Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment.","start":241.425,"end":253.525,"sentiment":"neutral","sentiment_score":-0.007715547376352808}],"sentiment":"neutral","sentiment_score":0.016418417544628028,"num_words":64,"start":232.57,"end":253.525},{"sentences":[{"text":"So there's been a slight drop in both the recommended, but then also your return.","start":254.59999,"end":259.5,"sentiment":"neutral","sentiment_score":-0.10824901585777601},{"text":"Not really anything major because we are looking obviously long term, but the three year rolling average on the recommended portfolio is 15.5, which is still a lot better than your rest portfolio, which is that 7.72.","start":260.2,"end":275.415,"sentiment":"neutral","sentiment_score":0.0821630237875758},{"text":"And that's obviously just the nature of of of the market and stuff.","start":276.195,"end":279.77,"sentiment":"neutral","sentiment_score":0.00018988205836369427},{"text":"Obviously, depending on when we do it, it tends to fluctuate a little bit for you, but still obviously doing yeah.","start":279.77,"end":288.28,"sentiment":"neutral","sentiment_score":-0.008296370195845764},{"text":"Yes.","start":307.16,"end":307.66,"sentiment":"neutral","sentiment_score":0.007906544022262096}],"sentiment":"neutral","sentiment_score":0.014395952631516018,"num_words":87,"start":254.59999,"end":307.66},{"sentences":[{"text":"Yes.","start":308.84,"end":309.34,"sentiment":"neutral","sentiment_score":0.011452262289822102},{"text":"Yep.","start":313.8,"end":314.295,"sentiment":"neutral","sentiment_score":0.006992162670940161},{"text":"Exactly.","start":318.45502,"end":318.95502,"sentiment":"neutral","sentiment_score":0.1485692858695984},{"text":"So everything is updated for you.","start":319.095,"end":321.035,"sentiment":"neutral","sentiment_score":0.1997875521580378},{"text":"The the new pension withdrawal and stuff like that is all added there for you as well.","start":322.375,"end":326.61502,"sentiment":"neutral","sentiment_score":0.17925425728454308}],"sentiment":"neutral","sentiment_score":0.16973313067753154,"num_words":26,"start":308.84,"end":326.61502},{"sentences":[{"text":"You don't really have to keep an eye on it because we've obviously worked on all the numbers.","start":326.61502,"end":330.44998,"sentiment":"neutral","sentiment_score":0.05197018674678273},{"text":"But just for your reference, when we do start the pension withdrawal, it will be about 266 per fortnight, and then we are increasing the salary stack through about 692 per fortnight.","start":330.83,"end":344.13,"sentiment":"neutral","sentiment_score":0.08681116683874279},{"text":"Basic mhmm.","start":344.945,"end":346.885,"sentiment":"neutral","sentiment_score":0.06631271354854107},{"text":"Yes.","start":349.505,"end":349.98502,"sentiment":"neutral","sentiment_score":0.17843033373355863},{"text":"So increasing that for you and then doing the pension withdrawal, so taking it tax free from super.","start":349.98502,"end":358.005,"sentiment":"neutral","sentiment_score":0.2363573122355673}],"sentiment":"neutral","sentiment_score":0.11660433917398184,"num_words":71,"start":326.61502,"end":358.005},{"sentences":[{"text":"So, obviously, making sure that your net income stays the same.","start":358.48,"end":362.18,"sentiment":"neutral","sentiment_score":0.30315344712950965},{"text":"Three 6.","start":365.28,"end":366.26,"sentiment":"neutral","sentiment_score":0.15351568162441254},{"text":"Exactly.","start":366.64,"end":367.14,"sentiment":"neutral","sentiment_score":0.2455142438411713},{"text":"Which means that your net income after tax will stay exactly the same.","start":367.52002,"end":371.86002,"sentiment":"positive","sentiment_score":0.4556772938141456},{"text":"But by doing it as well, you do save about $1,734 in tax, which is which is a nice bonus.","start":372.325,"end":381.065,"sentiment":"positive","sentiment_score":0.6939836353063583}],"sentiment":"positive","sentiment_score":0.5040576819409716,"num_words":47,"start":358.48,"end":381.065},{"sentences":[{"text":"So that is basically it's there's no changes to the investment structures otherwise or asset allocation or anything like that.","start":383.285,"end":391.6,"sentiment":"neutral","sentiment_score":0.31267577446997163},{"text":"It's just a slight update in the numbers, obviously, because your balance went up in rest, which is good.","start":391.6,"end":397.69998,"sentiment":"positive","sentiment_score":0.5023684736929441},{"text":"So we've just had to kind of rejig the numbers there a little bit for you.","start":397.91998,"end":402.02,"sentiment":"neutral","sentiment_score":-0.017145354504464194},{"text":"Yeah.","start":402.295,"end":402.795,"sentiment":"neutral","sentiment_score":0.02623796835541725},{"text":"Yeah.","start":404.61502,"end":405.11502,"sentiment":"neutral","sentiment_score":0.026458611711859703}],"sentiment":"neutral","sentiment_score":0.2732787262730039,"num_words":57,"start":383.285,"end":405.11502},{"sentences":[{"text":"Yeah.","start":407.73502,"end":408.23502,"sentiment":"neutral","sentiment_score":-0.03487657383084297},{"text":"Now Maddie just told me that she just resend that document to you.","start":409.815,"end":414.475,"sentiment":"neutral","sentiment_score":0.04636024862814408},{"text":"Did that new one come through at all there, Andrew?","start":415.72998,"end":418.15,"sentiment":"neutral","sentiment_score":0.026358076184988023},{"text":"Yes.","start":434.945,"end":435.345,"sentiment":"neutral","sentiment_score":0.2176261395215988},{"text":"Perfect.","start":435.345,"end":435.845,"sentiment":"positive","sentiment_score":0.6179029941558838}],"sentiment":"neutral","sentiment_score":0.06411217514855358,"num_words":26,"start":407.73502,"end":435.845},{"sentences":[{"text":"So yep.","start":436.505,"end":438.245,"sentiment":"neutral","sentiment_score":0.20539993047714233},{"text":"So that is that is the new one they updated for you.","start":439.025,"end":441.505,"sentiment":"neutral","sentiment_score":0.2376295787592729},{"text":"And like like I said, there is a textbook added at the bottom, which allow you to say that, obviously, you're happy without the insurances, and then we can get that all sorted for you.","start":441.505,"end":452.35,"sentiment":"neutral","sentiment_score":0.20618123369557517},{"text":"And now, Andrew, do you have any questions for me at all or any any other no?","start":454.885,"end":462.345,"sentiment":"neutral","sentiment_score":0.1205909326672554},{"text":"Yeah.","start":477.78,"end":478.25998,"sentiment":"neutral","sentiment_score":-0.001188371330499649}],"sentiment":"neutral","sentiment_score":0.18697843984214227,"num_words":67,"start":436.505,"end":478.25998},{"sentences":[{"text":"Correct.","start":478.25998,"end":478.75998,"sentiment":"neutral","sentiment_score":0.03987999260425568},{"text":"Yes.","start":479.22,"end":479.72,"sentiment":"neutral","sentiment_score":0.04698440432548523},{"text":"Yep.","start":482.79498,"end":483.29498,"sentiment":"neutral","sentiment_score":0.031368862837553024},{"text":"I think that's more for the hub 24.","start":488.47498,"end":490.875,"sentiment":"neutral","sentiment_score":-0.0009888062486425042},{"text":"Yeah.","start":490.875,"end":491.35498,"sentiment":"neutral","sentiment_score":0.006432530470192432}],"sentiment":"neutral","sentiment_score":0.009729611687362194,"num_words":12,"start":478.25998,"end":491.35498},{"sentences":[{"text":"It's just kind of all those supporting documents that you don't need to sign just for your reference.","start":491.35498,"end":496.97998,"sentiment":"neutral","sentiment_score":0.013101747207757499},{"text":"Yeah.","start":498.32,"end":498.82,"sentiment":"neutral","sentiment_score":0.05589742958545685},{"text":"Yeah.","start":503.6,"end":504.1,"sentiment":"neutral","sentiment_score":0.021311374381184574},{"text":"It's the same one.","start":504.32,"end":505.46,"sentiment":"neutral","sentiment_score":0.02560093393549323},{"text":"Yep.","start":509.05502,"end":509.55502,"sentiment":"neutral","sentiment_score":0.044681526720523834}],"sentiment":"neutral","sentiment_score":0.018405020646750928,"num_words":25,"start":491.35498,"end":509.55502},{"sentences":[{"text":"It's more yep.","start":510.33502,"end":513.235,"sentiment":"neutral","sentiment_score":0.04135416944821676},{"text":"Basically, everything you need to know.","start":513.455,"end":514.895,"sentiment":"neutral","sentiment_score":0.043468939140439034},{"text":"There's a lot, but, basically, everything that you do need to know is in there for 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too long.","start":616.90497,"end":620.52496,"sentiment":"positive","sentiment_score":0.3339499185482661},{"text":"And then, obviously, from there, we'll obviously go ahead and implement everything.","start":621.51,"end":625.29004,"sentiment":"neutral","sentiment_score":0.2727373850842317},{"text":"And then when you onboard us a client as well, we'll also speak to Charlotte and look to reduce her ongoing advice fee as well, which is great.","start":625.35004,"end":633.37,"sentiment":"neutral","sentiment_score":0.30311718955636024},{"text":"Yep.","start":634.325,"end":634.80505,"sentiment":"positive","sentiment_score":0.3902918100357056}],"sentiment":"neutral","sentiment_score":0.2554233962375867,"num_words":76,"start":609.065,"end":634.80505},{"sentences":[{"text":"Perfect.","start":634.80505,"end":635.30505,"sentiment":"positive","sentiment_score":0.776610255241394},{"text":"No worries, 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I'm just speaking. I'm good, Veronica. Thank you very much. Thanks for calling. Yeah. Yeah. Yeah. Yeah. That's good. Right? Thank you. Yep. No problems at all. Yeah. It's gonna get through. So are you sending it through? I know Madison's already sent a couple of emails through this evening. Okay. Yes. Yeah. Oh, the thing I said, I don't know what the issue was, you know, having done everything with Charlotte or whether through the same computer or whatever. And whether it's a because it's a Gmail address or something. I'm not sure. Or the Hotmail, I don't know. But I'm not a tech savvy enough not enough tech savvy enough for that, I'm afraid. Yeah. Yep. Yep. Yes. That's right. Yeah. Yep. No problem. Yeah. Yeah. Yeah. Okay. No problem at all. Thank you. Yeah. Yeah. Alright. Just just a little bit further, but I say we all think we're going on. It's sort of going on a bit already, isn't it? But yeah. No. That's fine. I say can't tell you. As you say, it probably does make it easier to start on a new financial year, as you say. But we've lost one already, but unfortunately, hang up. Yeah. Yeah. No fucking good. Yeah. Yeah. Okay. No. I appreciate that. I did. I was gonna ask about that because I can I saw there was a Maddie sent through two emails, I think? One was one was, yeah, the written thing. Oh, written thing. The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to the SOA or whatever. So I assumed that I I'm not having any chance to look through them, but there's few figures in that as what you're talking about. Is that reflected in that document? So so salary sacrifice, $6.09 2 roughly. Yeah? Yep. And then yeah. Yep. I was about $2.02 $2.06 6 or 4, like, you said, yeah. Right. Yeah. Yep. No. No. I appreciate that. Yeah. So the time has gone on. Yeah. So I've expect expect it to have been been updated. Yeah. No problems at all. Let's have a look. Yes. So, yeah, she sent me originally, like, a five to five or whatever, and this one's here. 523 just come through now. Yeah. So, yeah, I can do that one. Right. Okay. Yep. Okay. Lovely. No problems at all. No. I don't think so. Like I said, so the the so the let me just have a look at the the the second one that Maddie sent it, which is these eight eight extras or whatever. Yeah. So it was the appendix to the same invoice, and that was like just doing the numbers. Then there's like a One Care and AIA one, which I can ignore because that's insurance. That's just your service guide again. Disclosure. Additional information. Okay. What was that? It. So I'm speaking about that. Yeah. Right. Okay. No problems at all. Service guide. I'm showing this all before. The investment investment book list choice. What was that all about? I'll have 24 choice menu investment booklet. Yep. Okay. No problem at all. But yeah. No. That's why you're you're doing it all because it's all beyond my brain. Okay. Lovely. No problems at all. Right. So yes. No. If that's fine, yeah, I'll go once we get off the phone, I'll go through that SOA on the on the newer version that Maddy sent through or whatever. And hopefully, touch wood. Because I say, I don't like I said, I didn't have to sort of particularly send it anyway. I did not read on the original one. All I did was just go through, click the link at the bottom saying complete. And so and that's what I was doing. And I say it wasn't you know, I did revisit it, and it was inactive after I'd done it. So it was like it had gone you know, been used and and gone through. But so, yeah, I don't know what's happening. But, yeah, no. I'll I'll figure out, say, after we finish talking, I'll get on it straight away and get it done. No problems at all. Yeah. Yeah. When when tomorrow? Tomorrow, no. Wednesday would be would be better or Thursday. 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I'm just speaking. I'm good, Veronica. Thank you very much. Thanks for calling.\n\nYeah. Yeah. Yeah. Yeah. That's good.\n\nRight? Thank you. Yep. No problems at all. Yeah.\n\nIt's gonna get through. So are you sending it through? I know Madison's already sent a couple of emails through this evening. Okay. Yes.\n\nYeah. Oh, the thing I said, I don't know what the issue was, you know, having done everything with Charlotte or whether through the same computer or whatever. And whether it's a because it's a Gmail address or something. I'm not sure. Or the Hotmail, I don't know.\n\nBut I'm not a tech savvy enough not enough tech savvy enough for that, I'm afraid. Yeah. Yep. Yep. Yes.\n\nThat's right. Yeah. Yep. No problem. Yeah.\n\nYeah. Yeah. Okay. No problem at all. Thank you.\n\nYeah. Yeah. Alright. Just just a little bit further, but I say we all think we're going on. It's sort of going on a bit already, isn't it?\n\nBut yeah. No. That's fine. I say can't tell you. As you say, it probably does make it easier to start on a new financial year, as you say.\n\nBut we've lost one already, but unfortunately, hang up. Yeah. Yeah. No fucking good. Yeah.\n\nYeah. Okay. No. I appreciate that. I did.\n\nI was gonna ask about that because I can I saw there was a Maddie sent through two emails, I think? One was one was, yeah, the written thing. Oh, written thing. The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to the SOA or whatever. So I assumed that I I'm not having any chance to look through them, but there's few figures in that as what you're talking about.\n\nIs that reflected in that document? So so salary sacrifice, $6.09 2 roughly. Yeah? Yep. And then yeah.\n\nYep. I was about $2.02 $2.06 6 or 4, like, you said, yeah. Right. Yeah. Yep.\n\nNo. No. I appreciate that. Yeah. So the time has gone on.\n\nYeah. So I've expect expect it to have been been updated. Yeah. No problems at all. Let's have a look.\n\nYes. So, yeah, she sent me originally, like, a five to five or whatever, and this one's here. 523 just come through now. Yeah. So, yeah, I can do that one.\n\nRight. Okay. Yep. Okay. Lovely.\n\nNo problems at all. No. I don't think so. Like I said, so the the so the let me just have a look at the the the second one that Maddie sent it, which is these eight eight extras or whatever. Yeah.\n\nSo it was the appendix to the same invoice, and that was like just doing the numbers. Then there's like a One Care and AIA one, which I can ignore because that's insurance. That's just your service guide again. Disclosure. Additional information.\n\nOkay. What was that? It. So I'm speaking about that. Yeah.\n\nRight. Okay. No problems at all. Service guide. I'm showing this all before.\n\nThe investment investment book list choice. What was that all about? I'll have 24 choice menu investment booklet. Yep. Okay.\n\nNo problem at all. But yeah. No. That's why you're you're doing it all because it's all beyond my brain. Okay.\n\nLovely. No problems at all. Right. So yes. No.\n\nIf that's fine, yeah, I'll go once we get off the phone, I'll go through that SOA on the on the newer version that Maddy sent through or whatever. And hopefully, touch wood. Because I say, I don't like I said, I didn't have to sort of particularly send it anyway. I did not read on the original one. All I did was just go through, click the link at the bottom saying complete.\n\nAnd so and that's what I was doing. And I say it wasn't you know, I did revisit it, and it was inactive after I'd done it. So it was like it had gone you know, been used and and gone through. But so, yeah, I don't know what's happening. But, yeah, no.\n\nI'll I'll figure out, say, after we finish talking, I'll get on it straight away and get it done. No problems at all. Yeah. Yeah. When when tomorrow?\n\nTomorrow, no. Wednesday would be would be better or Thursday. But yeah. Yeah. Yeah.\n\nFive fifteen. Yeah. It'd be good. Yeah. Yeah.\n\nIf you received it, well, I know. Yep. Lovely. No problem at all. That's great.\n\nAwesome. Yep. Thank you. I'll let you get home as well. Alright.\n\nNo worries. Thanks, Monica. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.0,"sentiment":"neutral","sentiment_score":0.012951812706887722},{"text":"I'm just speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.033484178284804024},{"text":"I'm good, Veronica.","start":6.8799996,"end":8.0,"sentiment":"positive","sentiment_score":0.5413889090220133},{"text":"Thank you very much.","start":8.0,"end":8.98,"sentiment":"positive","sentiment_score":0.7639393955469131},{"text":"Thanks for calling.","start":9.12,"end":10.099999,"sentiment":"positive","sentiment_score":0.6155696511268616}],"sentiment":"positive","sentiment_score":0.4742884007282555,"num_words":14,"start":1.68,"end":10.099999},{"sentences":[{"text":"Yeah.","start":17.785,"end":18.105,"sentiment":"neutral","sentiment_score":0.06645137071609497},{"text":"Yeah.","start":18.105,"end":18.345,"sentiment":"neutral","sentiment_score":0.06842773407697678},{"text":"Yeah.","start":18.345,"end":18.585,"sentiment":"neutral","sentiment_score":0.06699006259441376},{"text":"Yeah.","start":18.585,"end":18.985,"sentiment":"neutral","sentiment_score":0.10195253789424896},{"text":"That's good.","start":18.985,"end":19.545,"sentiment":"neutral","sentiment_score":0.20023435354232788}],"sentiment":"neutral","sentiment_score":0.11738173539439838,"num_words":6,"start":17.785,"end":19.545},{"sentences":[{"text":"Right?","start":19.545,"end":19.785,"sentiment":"neutral","sentiment_score":0.18438343703746796},{"text":"Thank you.","start":19.785,"end":20.525,"sentiment":"positive","sentiment_score":0.41180387139320374},{"text":"Yep.","start":28.8,"end":29.199999,"sentiment":"neutral","sentiment_score":0.06140666827559471},{"text":"No problems at all.","start":29.199999,"end":30.34,"sentiment":"neutral","sentiment_score":0.11136701330542564},{"text":"Yeah.","start":47.925,"end":48.245,"sentiment":"neutral","sentiment_score":-0.013970131054520609}],"sentiment":"neutral","sentiment_score":0.16676619669629467,"num_words":9,"start":19.545,"end":48.245},{"sentences":[{"text":"It's gonna get through.","start":48.245,"end":49.385,"sentiment":"neutral","sentiment_score":-0.039588313549757004},{"text":"So are you sending it through?","start":50.565,"end":51.845,"sentiment":"neutral","sentiment_score":-0.003497674207513531},{"text":"I know Madison's already sent a couple of emails through this evening.","start":51.845,"end":55.305,"sentiment":"neutral","sentiment_score":-0.025754247481624287},{"text":"Okay.","start":67.56,"end":68.06,"sentiment":"neutral","sentiment_score":0.028119517490267754},{"text":"Yes.","start":79.055,"end":79.295,"sentiment":"neutral","sentiment_score":0.014975947327911854}],"sentiment":"neutral","sentiment_score":-0.01855395018355921,"num_words":24,"start":48.245,"end":79.295},{"sentences":[{"text":"Yeah.","start":79.295,"end":79.775,"sentiment":"neutral","sentiment_score":0.02048206888139248},{"text":"Oh, the thing I said, I don't know what the issue was, you know, having done everything with Charlotte or whether through the same computer or whatever.","start":79.775,"end":87.82,"sentiment":"neutral","sentiment_score":-0.09023470762703154},{"text":"And whether it's a because it's a Gmail address or something.","start":87.82,"end":91.42,"sentiment":"neutral","sentiment_score":-0.07941177284175699},{"text":"I'm not sure.","start":91.42,"end":92.06,"sentiment":"neutral","sentiment_score":-0.08836747954289119},{"text":"Or the Hotmail, I don't know.","start":92.06,"end":93.58,"sentiment":"neutral","sentiment_score":-0.07709832799931367}],"sentiment":"neutral","sentiment_score":-0.08368910301942378,"num_words":48,"start":79.295,"end":93.58},{"sentences":[{"text":"But I'm not a tech savvy enough not enough tech savvy enough for that, I'm afraid.","start":93.58,"end":98.72,"sentiment":"negative","sentiment_score":-0.3677614792250097},{"text":"Yeah.","start":107.445,"end":107.945,"sentiment":"neutral","sentiment_score":0.10357653349637984},{"text":"Yep.","start":111.840004,"end":112.340004,"sentiment":"neutral","sentiment_score":0.05965370684862137},{"text":"Yep.","start":123.04,"end":123.465,"sentiment":"neutral","sentiment_score":0.1503860503435135},{"text":"Yes.","start":128.825,"end":129.22499,"sentiment":"neutral","sentiment_score":0.194072425365448}],"sentiment":"neutral","sentiment_score":-0.2688247475773096,"num_words":20,"start":93.58,"end":129.22499},{"sentences":[{"text":"That's right.","start":129.22499,"end":129.705,"sentiment":"neutral","sentiment_score":0.2850280851125717},{"text":"Yeah.","start":129.705,"end":130.205,"sentiment":"neutral","sentiment_score":0.30637800693511963},{"text":"Yep.","start":141.2,"end":141.6,"sentiment":"neutral","sentiment_score":0.21973197162151337},{"text":"No problem.","start":141.6,"end":142.26001,"sentiment":"positive","sentiment_score":0.37226299941539764},{"text":"Yeah.","start":153.05501,"end":153.55501,"sentiment":"neutral","sentiment_score":0.18327440321445465}],"sentiment":"neutral","sentiment_score":0.2891380786895752,"num_words":7,"start":129.22499,"end":153.55501},{"sentences":[{"text":"Yeah.","start":154.015,"end":154.515,"sentiment":"neutral","sentiment_score":0.1901169717311859},{"text":"Yeah.","start":154.655,"end":155.155,"sentiment":"neutral","sentiment_score":0.1703888773918152},{"text":"Okay.","start":158.41501,"end":158.895,"sentiment":"neutral","sentiment_score":0.20226982235908508},{"text":"No problem at all.","start":158.895,"end":159.695,"sentiment":"neutral","sentiment_score":0.33324194699525833},{"text":"Thank you.","start":159.695,"end":160.435,"sentiment":"positive","sentiment_score":0.507014125585556}],"sentiment":"neutral","sentiment_score":0.32330796784824795,"num_words":9,"start":154.015,"end":160.435},{"sentences":[{"text":"Yeah.","start":175.90999,"end":176.40999,"sentiment":"neutral","sentiment_score":0.13411372900009155},{"text":"Yeah.","start":205.49,"end":205.97,"sentiment":"neutral","sentiment_score":0.06581953912973404},{"text":"Alright.","start":205.97,"end":206.29,"sentiment":"neutral","sentiment_score":0.047434620559215546},{"text":"Just just a little bit further, but I say we all think we're going on.","start":206.29,"end":209.635,"sentiment":"neutral","sentiment_score":-0.01278664128233989},{"text":"It's sort of going on a bit already, isn't it?","start":209.635,"end":211.875,"sentiment":"neutral","sentiment_score":-0.06044860407710075}],"sentiment":"neutral","sentiment_score":-0.0196042061184666,"num_words":28,"start":175.90999,"end":211.875},{"sentences":[{"text":"But yeah.","start":211.875,"end":212.355,"sentiment":"neutral","sentiment_score":-0.02193567343056202},{"text":"No.","start":212.355,"end":212.515,"sentiment":"neutral","sentiment_score":-0.1718640178442001},{"text":"That's fine.","start":212.515,"end":213.075,"sentiment":"neutral","sentiment_score":-0.15066508948802948},{"text":"I say can't tell you.","start":213.075,"end":214.515,"sentiment":"neutral","sentiment_score":-0.1400204211473465},{"text":"As you say, it probably does make it easier to start on a new financial year, as you say.","start":214.515,"end":218.83499,"sentiment":"neutral","sentiment_score":0.22423981267370677}],"sentiment":"neutral","sentiment_score":0.10494444108214872,"num_words":29,"start":211.875,"end":218.83499},{"sentences":[{"text":"But we've lost one already, but unfortunately, hang up.","start":218.83499,"end":222.03,"sentiment":"neutral","sentiment_score":-0.20127866748306486},{"text":"Yeah.","start":231.23,"end":231.73,"sentiment":"neutral","sentiment_score":0.10109813511371613},{"text":"Yeah.","start":237.425,"end":237.925,"sentiment":"neutral","sentiment_score":0.01475260592997074},{"text":"No fucking good.","start":237.985,"end":239.205,"sentiment":"neutral","sentiment_score":-0.3314775923887889},{"text":"Yeah.","start":272.625,"end":273.125,"sentiment":"neutral","sentiment_score":0.050167784094810486}],"sentiment":"neutral","sentiment_score":-0.17599481729169686,"num_words":15,"start":218.83499,"end":273.125},{"sentences":[{"text":"Yeah.","start":275.88,"end":276.36002,"sentiment":"neutral","sentiment_score":0.038246385753154755},{"text":"Okay.","start":276.36002,"end":276.86002,"sentiment":"neutral","sentiment_score":0.03909587115049362},{"text":"No.","start":284.36002,"end":284.6,"sentiment":"neutral","sentiment_score":-0.08482782542705536},{"text":"I appreciate that.","start":284.6,"end":285.32,"sentiment":"neutral","sentiment_score":0.02902446687221527},{"text":"I did.","start":285.32,"end":285.64,"sentiment":"neutral","sentiment_score":0.0819186307489872}],"sentiment":"neutral","sentiment_score":0.030428136698901653,"num_words":8,"start":275.88,"end":285.64},{"sentences":[{"text":"I was gonna ask about that because I can I saw there was a Maddie sent through two emails, I think?","start":285.64,"end":292.695,"sentiment":"neutral","sentiment_score":0.021275082203958715},{"text":"One was one was, yeah, the written thing.","start":292.695,"end":297.01498,"sentiment":"neutral","sentiment_score":0.0021873487858101726},{"text":"Oh, written thing.","start":297.01498,"end":298.155,"sentiment":"neutral","sentiment_score":0.005221434247990449},{"text":"The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to the SOA or whatever.","start":298.215,"end":308.56,"sentiment":"neutral","sentiment_score":0.003491976725247999},{"text":"So I assumed that I I'm not having any chance to look through them, but there's few figures in that as what you're talking about.","start":310.14,"end":316.30002,"sentiment":"neutral","sentiment_score":-0.0026984872668981553}],"sentiment":"neutral","sentiment_score":0.005786976341398493,"num_words":93,"start":285.64,"end":316.30002},{"sentences":[{"text":"Is that reflected in that document?","start":316.30002,"end":318.0,"sentiment":"neutral","sentiment_score":0.039843473583459854},{"text":"So so salary sacrifice, $6.09 2 roughly.","start":344.88498,"end":348.805,"sentiment":"neutral","sentiment_score":0.060033127665519714},{"text":"Yeah?","start":348.805,"end":349.305,"sentiment":"neutral","sentiment_score":0.09482560306787492},{"text":"Yep.","start":350.16498,"end":350.66498,"sentiment":"neutral","sentiment_score":0.26167747378349304},{"text":"And then yeah.","start":352.965,"end":359.01,"sentiment":"neutral","sentiment_score":0.2099272459745407}],"sentiment":"neutral","sentiment_score":0.09142097499635485,"num_words":18,"start":316.30002,"end":359.01},{"sentences":[{"text":"Yep.","start":362.21002,"end":362.71002,"sentiment":"neutral","sentiment_score":0.247410386800766},{"text":"I was about $2.02 $2.06 6 or 4, like, you said, yeah.","start":362.93002,"end":366.31,"sentiment":"neutral","sentiment_score":0.1678429820264379},{"text":"Right.","start":367.89,"end":368.39,"sentiment":"positive","sentiment_score":0.45447051525115967},{"text":"Yeah.","start":381.16498,"end":381.66498,"sentiment":"positive","sentiment_score":0.41906502842903137},{"text":"Yep.","start":397.82,"end":398.32,"sentiment":"neutral","sentiment_score":0.14314255118370056}],"sentiment":"neutral","sentiment_score":0.20488776662386954,"num_words":16,"start":362.21002,"end":398.32},{"sentences":[{"text":"No.","start":400.83502,"end":401.075,"sentiment":"neutral","sentiment_score":-0.19326207041740415},{"text":"No.","start":401.075,"end":401.23502,"sentiment":"neutral","sentiment_score":-0.2662891745567322},{"text":"I appreciate that.","start":401.23502,"end":401.875,"sentiment":"neutral","sentiment_score":-0.10548532257477443},{"text":"Yeah.","start":401.875,"end":402.195,"sentiment":"neutral","sentiment_score":0.033232949674129486},{"text":"So the time has gone on.","start":402.195,"end":403.23502,"sentiment":"neutral","sentiment_score":0.018931005770961445}],"sentiment":"neutral","sentiment_score":-0.05243235236654679,"num_words":12,"start":400.83502,"end":403.23502},{"sentences":[{"text":"Yeah.","start":403.23502,"end":403.315,"sentiment":"neutral","sentiment_score":0.016674870625138283},{"text":"So I've expect expect it to have been been updated.","start":403.315,"end":407.315,"sentiment":"neutral","sentiment_score":0.021862777322530745},{"text":"Yeah.","start":407.315,"end":407.55502,"sentiment":"neutral","sentiment_score":0.039517227560281754},{"text":"No problems at all.","start":407.55502,"end":408.77502,"sentiment":"neutral","sentiment_score":-0.04159174673259258},{"text":"Let's have a look.","start":419.0,"end":420.38998,"sentiment":"neutral","sentiment_score":0.028152196668088436}],"sentiment":"neutral","sentiment_score":0.011053083557635545,"num_words":20,"start":403.23502,"end":420.38998},{"sentences":[{"text":"Yes.","start":428.135,"end":428.535,"sentiment":"neutral","sentiment_score":0.08986136317253113},{"text":"So, yeah, she sent me originally, like, a five to five or whatever, and this one's here.","start":428.535,"end":432.45502,"sentiment":"neutral","sentiment_score":0.0699990343521623},{"text":"523 just come through now.","start":432.45502,"end":434.375,"sentiment":"neutral","sentiment_score":0.0749315395951271},{"text":"Yeah.","start":434.375,"end":434.875,"sentiment":"neutral","sentiment_score":0.14343717694282532},{"text":"So, yeah, I can do that one.","start":435.255,"end":436.535,"sentiment":"positive","sentiment_score":0.4957080526011331}],"sentiment":"neutral","sentiment_score":0.1699321351705059,"num_words":31,"start":428.135,"end":436.535},{"sentences":[{"text":"Right.","start":436.535,"end":436.855,"sentiment":"neutral","sentiment_score":0.22307933866977692},{"text":"Okay.","start":436.855,"end":437.355,"sentiment":"neutral","sentiment_score":0.1762196570634842},{"text":"Yep.","start":443.85,"end":444.35,"sentiment":"neutral","sentiment_score":0.0064317998476326466},{"text":"Okay.","start":452.65,"end":453.15,"sentiment":"positive","sentiment_score":0.5453928709030151},{"text":"Lovely.","start":453.21,"end":453.69,"sentiment":"positive","sentiment_score":0.7187685966491699}],"sentiment":"positive","sentiment_score":0.33397845262661574,"num_words":5,"start":436.535,"end":453.69},{"sentences":[{"text":"No problems at all.","start":453.69,"end":454.83,"sentiment":"positive","sentiment_score":0.5416228473186493},{"text":"No.","start":460.625,"end":461.025,"sentiment":"neutral","sentiment_score":-0.09407037496566772},{"text":"I don't think so.","start":461.025,"end":461.745,"sentiment":"neutral","sentiment_score":-0.17718972265720367},{"text":"Like I said, so the the so the let me just have a look at the the the second one that Maddie sent it, which is these eight eight extras or whatever.","start":461.745,"end":468.945,"sentiment":"neutral","sentiment_score":-0.018116988823749125},{"text":"Yeah.","start":468.945,"end":469.105,"sentiment":"neutral","sentiment_score":0.009196260944008827}],"sentiment":"neutral","sentiment_score":0.018883684339622658,"num_words":42,"start":453.69,"end":469.105},{"sentences":[{"text":"So it was the appendix to the same invoice, and that was like just doing the numbers.","start":469.105,"end":473.605,"sentiment":"neutral","sentiment_score":2.746333313338897e-6},{"text":"Then there's like a One Care and AIA one, which I can ignore because that's insurance.","start":473.95,"end":478.29,"sentiment":"neutral","sentiment_score":-0.023151570290792733},{"text":"That's just your service guide again.","start":479.71002,"end":482.37,"sentiment":"neutral","sentiment_score":0.052974204843242965},{"text":"Disclosure.","start":482.91,"end":483.41,"sentiment":"neutral","sentiment_score":0.009058007970452309},{"text":"Additional information.","start":484.91,"end":485.97,"sentiment":"neutral","sentiment_score":0.0096495789475739}],"sentiment":"neutral","sentiment_score":-0.0005756200490785497,"num_words":42,"start":469.105,"end":485.97},{"sentences":[{"text":"Okay.","start":486.03,"end":486.35,"sentiment":"neutral","sentiment_score":0.006014116108417511},{"text":"What was that?","start":486.35,"end":487.25,"sentiment":"neutral","sentiment_score":0.0034727156162261963},{"text":"It.","start":488.705,"end":489.025,"sentiment":"neutral","sentiment_score":-0.0008502695709466934},{"text":"So I'm speaking about that.","start":489.025,"end":490.405,"sentiment":"neutral","sentiment_score":-0.002743514161556959},{"text":"Yeah.","start":495.185,"end":495.425,"sentiment":"neutral","sentiment_score":0.01275466661900282}],"sentiment":"neutral","sentiment_score":0.0013290081088515847,"num_words":11,"start":486.03,"end":495.425},{"sentences":[{"text":"Right.","start":495.425,"end":495.925,"sentiment":"neutral","sentiment_score":0.019546780735254288},{"text":"Okay.","start":497.425,"end":497.905,"sentiment":"neutral","sentiment_score":0.03723582252860069},{"text":"No problems at all.","start":497.905,"end":499.205,"sentiment":"neutral","sentiment_score":0.06088740285485983},{"text":"Service guide.","start":500.94498,"end":501.905,"sentiment":"neutral","sentiment_score":0.035490503534674644},{"text":"I'm showing this all before.","start":501.905,"end":503.28497,"sentiment":"neutral","sentiment_score":0.02808089479804039}],"sentiment":"neutral","sentiment_score":0.03936289967252658,"num_words":13,"start":495.425,"end":503.28497},{"sentences":[{"text":"The investment investment book list choice.","start":504.15002,"end":507.29,"sentiment":"neutral","sentiment_score":0.018109972433497507},{"text":"What was that all about?","start":507.67,"end":509.21002,"sentiment":"neutral","sentiment_score":0.02337811104953289},{"text":"I'll have 24 choice menu investment booklet.","start":510.31003,"end":513.13,"sentiment":"neutral","sentiment_score":0.04521015765411513},{"text":"Yep.","start":516.23004,"end":516.73004,"sentiment":"neutral","sentiment_score":0.05072930455207825},{"text":"Okay.","start":520.685,"end":521.185,"sentiment":"neutral","sentiment_score":0.03767845779657364}],"sentiment":"neutral","sentiment_score":0.03152146278880537,"num_words":20,"start":504.15002,"end":521.185},{"sentences":[{"text":"No problem at all.","start":521.64496,"end":523.02496,"sentiment":"neutral","sentiment_score":0.04747473681345582},{"text":"But yeah.","start":523.165,"end":523.64496,"sentiment":"neutral","sentiment_score":-0.010852172039449215},{"text":"No.","start":523.64496,"end":523.885,"sentiment":"neutral","sentiment_score":-0.07331809401512146},{"text":"That's why you're you're doing it all because it's all beyond my brain.","start":523.885,"end":528.605,"sentiment":"neutral","sentiment_score":-0.08609256262962635},{"text":"Okay.","start":528.605,"end":529.005,"sentiment":"neutral","sentiment_score":0.13924714922904968}],"sentiment":"neutral","sentiment_score":-0.04214665027601378,"num_words":21,"start":521.64496,"end":529.005},{"sentences":[{"text":"Lovely.","start":529.005,"end":529.40497,"sentiment":"neutral","sentiment_score":0.25347286462783813},{"text":"No problems at all.","start":529.40497,"end":530.285,"sentiment":"neutral","sentiment_score":0.18341166153550148},{"text":"Right.","start":530.285,"end":530.785,"sentiment":"neutral","sentiment_score":0.16106443107128143},{"text":"So yes.","start":531.02,"end":531.68,"sentiment":"neutral","sentiment_score":0.09136692434549332},{"text":"No.","start":532.14,"end":532.38,"sentiment":"neutral","sentiment_score":0.016076117753982544}],"sentiment":"neutral","sentiment_score":0.14966598980956608,"num_words":9,"start":529.005,"end":532.38},{"sentences":[{"text":"If that's fine, yeah, I'll go once we get off the phone, I'll go through that SOA on the on the newer version that Maddy sent through or whatever.","start":532.38,"end":539.52,"sentiment":"neutral","sentiment_score":0.07806436306443708},{"text":"And hopefully, touch wood.","start":539.74,"end":541.18,"sentiment":"neutral","sentiment_score":0.03907606843858957},{"text":"Because I say, I don't like I said, I didn't have to sort of particularly send it anyway.","start":541.18,"end":545.405,"sentiment":"neutral","sentiment_score":-0.10288438242342737},{"text":"I did not read on the original one.","start":545.405,"end":546.765,"sentiment":"neutral","sentiment_score":-0.12580428458750248},{"text":"All I did was just go through, click the link at the bottom saying complete.","start":546.765,"end":550.625,"sentiment":"neutral","sentiment_score":-0.009806552343070507}],"sentiment":"neutral","sentiment_score":-0.007909197876280223,"num_words":74,"start":532.38,"end":550.625},{"sentences":[{"text":"And so and that's what I was doing.","start":550.765,"end":552.28503,"sentiment":"neutral","sentiment_score":-0.01101966667920351},{"text":"And I say it wasn't you know, I did revisit it, and it was inactive after I'd done it.","start":552.28503,"end":556.84503,"sentiment":"neutral","sentiment_score":-0.14676586999312827},{"text":"So it was like it had gone you know, been used and and gone through.","start":556.84503,"end":560.73,"sentiment":"neutral","sentiment_score":-0.1754714220762253},{"text":"But so, yeah, I don't know what's happening.","start":560.73,"end":562.57,"sentiment":"neutral","sentiment_score":-0.13891581073403358},{"text":"But, yeah, no.","start":562.57,"end":563.13,"sentiment":"neutral","sentiment_score":-0.056859489530324936}],"sentiment":"neutral","sentiment_score":-0.12812613488508845,"num_words":53,"start":550.765,"end":563.13},{"sentences":[{"text":"I'll I'll figure out, say, after we finish talking, I'll get on it straight away and get it done.","start":563.13,"end":568.49,"sentiment":"neutral","sentiment_score":0.01941890478759122},{"text":"No problems at all.","start":568.49,"end":569.71,"sentiment":"neutral","sentiment_score":0.2854786403477192},{"text":"Yeah.","start":583.565,"end":584.065,"sentiment":"neutral","sentiment_score":0.14516641199588776},{"text":"Yeah.","start":585.085,"end":585.585,"sentiment":"neutral","sentiment_score":0.07837780565023422},{"text":"When when tomorrow?","start":591.63995,"end":593.63995,"sentiment":"neutral","sentiment_score":0.005836722285797198}],"sentiment":"neutral","sentiment_score":0.06256886203066513,"num_words":28,"start":563.13,"end":593.63995},{"sentences":[{"text":"Tomorrow, no.","start":593.63995,"end":594.27997,"sentiment":"neutral","sentiment_score":-0.012090501608327031},{"text":"Wednesday would be would be better or Thursday.","start":594.27997,"end":597.1,"sentiment":"neutral","sentiment_score":-0.00602717453148216},{"text":"But yeah.","start":597.56,"end":598.3,"sentiment":"neutral","sentiment_score":0.021378944627940655},{"text":"Yeah.","start":601.435,"end":601.755,"sentiment":"neutral","sentiment_score":0.027924060821533203},{"text":"Yeah.","start":601.755,"end":602.155,"sentiment":"neutral","sentiment_score":0.0311119444668293}],"sentiment":"neutral","sentiment_score":0.0020996782196951763,"num_words":14,"start":593.63995,"end":602.155},{"sentences":[{"text":"Five fifteen.","start":602.155,"end":602.79504,"sentiment":"neutral","sentiment_score":0.03295785095542669},{"text":"Yeah.","start":602.79504,"end":603.03503,"sentiment":"neutral","sentiment_score":0.11101299524307252},{"text":"It'd be good.","start":603.03503,"end":603.515,"sentiment":"neutral","sentiment_score":0.24751650293668112},{"text":"Yeah.","start":603.515,"end":604.015,"sentiment":"neutral","sentiment_score":0.1552846133708954},{"text":"Yeah.","start":613.44995,"end":613.94995,"sentiment":"neutral","sentiment_score":0.17601662874221802}],"sentiment":"neutral","sentiment_score":0.15634743100963533,"num_words":8,"start":602.155,"end":613.94995},{"sentences":[{"text":"If you received it, well, I know.","start":614.81,"end":616.82996,"sentiment":"neutral","sentiment_score":0.2508233040571213},{"text":"Yep.","start":632.945,"end":633.34503,"sentiment":"positive","sentiment_score":0.34369322657585144},{"text":"Lovely.","start":633.34503,"end":633.74506,"sentiment":"positive","sentiment_score":0.5840276479721069},{"text":"No problem at all.","start":633.74506,"end":634.465,"sentiment":"positive","sentiment_score":0.4681151285767555},{"text":"That's great.","start":634.465,"end":635.205,"sentiment":"positive","sentiment_score":0.7313557863235474}],"sentiment":"positive","sentiment_score":0.40124373932679497,"num_words":15,"start":614.81,"end":635.205},{"sentences":[{"text":"Awesome.","start":635.42505,"end":635.92505,"sentiment":"positive","sentiment_score":0.7362211346626282},{"text":"Yep.","start":639.2649,"end":639.6649,"sentiment":"neutral","sentiment_score":0.17928001284599304},{"text":"Thank you.","start":639.6649,"end":640.3849,"sentiment":"positive","sentiment_score":0.6306205689907074},{"text":"I'll let you get home as well.","start":640.3849,"end":642.4049,"sentiment":"neutral","sentiment_score":0.23244710905211313},{"text":"Alright.","start":643.50494,"end":644.00494,"sentiment":"neutral","sentiment_score":0.20886752009391785}],"sentiment":"positive","sentiment_score":0.33439496407906216,"num_words":12,"start":635.42505,"end":644.00494},{"sentences":[{"text":"No worries.","start":644.5449,"end":645.1049,"sentiment":"neutral","sentiment_score":0.1282944232225418},{"text":"Thanks, Monica.","start":645.1049,"end":645.9049,"sentiment":"positive","sentiment_score":0.6417464315891266},{"text":"Thanks.","start":645.9049,"end":646.1449,"sentiment":"positive","sentiment_score":0.7038224935531616},{"text":"Bye.","start":646.1449,"end":646.6449,"sentiment":"positive","sentiment_score":0.3586214780807495},{"text":"Bye.","start":646.94495,"end":647.44495,"sentiment":"neutral","sentiment_score":0.22140690684318545}],"sentiment":"positive","sentiment_score":0.4034189411572048,"num_words":7,"start":644.5449,"end":647.44495}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? I'm just speaking.\n\nChannel 0: Good afternoon, Andrew. Veronica from OC Financial. How are you?\n\nChannel 1: I'm good, Veronica. Thank you very much. Thanks for\n\nChannel 0: That's\n\nChannel 1: calling.\n\nChannel 0: good. No. That's alright. I had you booked in for a a quick catch up, really. Is now still a good time?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's\n\nChannel 0: Right.\n\nChannel 1: good. Right? Thank you.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No problems at\n\nChannel 0: Yep.\n\nChannel 1: all.\n\nChannel 0: Great. Perfect. So what I have done is I'm just about to send you an updated SOA just because, obviously, the the time frame from when we did it. Now Jordan did tell me that you had a bit of issues signing the document. It was kind of\n\nChannel 1: Yeah.\n\nChannel 0: playing\n\nChannel 1: It's\n\nChannel 0: up\n\nChannel 1: gonna\n\nChannel 0: a little\n\nChannel 1: get\n\nChannel 0: bit\n\nChannel 1: through.\n\nChannel 0: on you.\n\nChannel 1: So are you sending it through? I know Madison's already sent a couple of emails through this evening.\n\nChannel 0: Yeah. So Madison is just about to send it. Disregard the first one she sent because it didn't have the text box in it. So she's just about to send you a new one,\n\nChannel 1: Okay.\n\nChannel 0: and she will let me know when she send it so I can let you know, which we which we've sent it through a different different software to see if, hopefully, this is working\n\nChannel 1: Yes.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: bit better.\n\nChannel 1: Oh, the thing I said, I don't know what the issue was, you know, having done everything with Charlotte or whether through the same computer or whatever. And whether it's a because it's a Gmail address or something. I'm not sure. Or the\n\nChannel 0: Yeah.\n\nChannel 1: Hotmail, I don't know. But\n\nChannel 0: Yeah.\n\nChannel 1: I'm not\n\nChannel 0: It's frustrating.\n\nChannel 1: a tech savvy enough not enough tech savvy enough for that, I'm afraid.\n\nChannel 0: No. That's okay. And it is a bit frustrating sometimes with technology and stuff like that. So we have tried a new software, so hopefully that works a bit better.\n\nChannel 1: Yeah.\n\nChannel 0: And while I wait for for Maddie to send that one through, I'll just\n\nChannel 1: Yep.\n\nChannel 0: quickly run through a couple of changes for you. Not much has changed, really. Just basically updating it because of the time frame, really.\n\nChannel 1: Yep.\n\nChannel 0: Now Jordan did tell me as well that you were happy to proceed without the insurances?\n\nChannel 1: Yes. That's right. Yeah.\n\nChannel 0: Yep. Perfect. So that's why we've added that textbook there for you. So the SOA at the moment has been updated as per the advice. So it currently has the insurances in it.\n\nChannel 1: Yep. No problem.\n\nChannel 0: We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that\n\nChannel 1: Yeah.\n\nChannel 0: is no problem\n\nChannel 1: Yeah.\n\nChannel 0: at all.\n\nChannel 1: Yeah.\n\nChannel 0: And we'll just go ahead with the superannuation side of it.\n\nChannel 1: Okay. No problem at all. Thank you.\n\nChannel 0: No. That's okay. Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year.\n\nChannel 1: Yeah.\n\nChannel 0: And to make things a bit easier for you and also making sure everything is finalized and streamlined, I have suggested that we transfer everything over to have 24, get it all set up, but then actually start the pension withdrawal and the increase in the salary set at the end of the start of the new financial year. So in July, we kind of start the pension withdrawal and the salary sacrifice to make it a bit easier if you are happy with that.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Just just a little bit further, but I say we all think we're going on. It's sort of going on a bit already, isn't it? But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That's fine. I say can't\n\nChannel 0: Yeah.\n\nChannel 1: tell you. As you say, it probably does make it easier to start on a new financial year, as you say. But we've\n\nChannel 0: Yes.\n\nChannel 1: lost\n\nChannel 0: Yeah.\n\nChannel 1: one\n\nChannel 0: And we\n\nChannel 1: already,\n\nChannel 0: can\n\nChannel 1: but unfortunately, hang up.\n\nChannel 0: exactly. Now we can still we'll obviously still start the implementation process. We'll open up your hub 24. We'll close down your other account. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll still do all of that. Obviously, cancel all those insurances. That can all be sorted and ready to go for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: No fucking\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment. So there's been a slight drop in both the recommended, but then also your return. Not really anything major because we are looking obviously long term, but the three year rolling average on the recommended portfolio is 15.5, which is still a lot better than your rest portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: which is that 7.72.\n\nChannel 1: Yeah.\n\nChannel 0: And that's\n\nChannel 1: Okay.\n\nChannel 0: obviously just the nature of of of the market and stuff. Obviously, depending on when we do it, it tends to fluctuate a little bit for you,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: I appreciate\n\nChannel 0: still obviously\n\nChannel 1: that. I\n\nChannel 0: doing\n\nChannel 1: did. I was gonna ask about that because I can I saw\n\nChannel 0: yeah.\n\nChannel 1: there was a Maddie sent through two emails, I think? One was one was, yeah, the written thing. Oh, written thing. The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to\n\nChannel 0: Yes.\n\nChannel 1: the SOA or whatever.\n\nChannel 0: Yes.\n\nChannel 1: So I assumed that I I'm not having any chance to look through them, but\n\nChannel 0: Yep.\n\nChannel 1: there's few figures in that as what you're talking about. Is that reflected in that document?\n\nChannel 0: Exactly. So everything is updated for you. The the new pension withdrawal and stuff like that is all added there for you as well. You don't really have to keep an eye on it because we've obviously worked on all the numbers. But just for your reference, when we do start the pension withdrawal, it will be about 266 per fortnight, and then we are increasing the salary stack through about 692 per fortnight.\n\nChannel 1: So\n\nChannel 0: Basic\n\nChannel 1: so salary sacrifice,\n\nChannel 0: mhmm.\n\nChannel 1: $6.09 2 roughly. Yeah?\n\nChannel 0: Yes. So\n\nChannel 1: Yep.\n\nChannel 0: increasing that for you and\n\nChannel 1: And\n\nChannel 0: then\n\nChannel 1: then\n\nChannel 0: doing the pension withdrawal, so taking it tax free from super. So,\n\nChannel 1: yeah.\n\nChannel 0: obviously, making sure that your net income stays the same.\n\nChannel 1: Yep. I was about $2.02 $2.06 6 or 4,\n\nChannel 0: Three\n\nChannel 1: like, you said,\n\nChannel 0: 6.\n\nChannel 1: yeah.\n\nChannel 0: Exactly. Which means\n\nChannel 1: Right.\n\nChannel 0: that your net income after tax will stay exactly the same. But by doing it as well, you do save about $1,734 in tax, which is which is a nice bonus.\n\nChannel 1: Yeah.\n\nChannel 0: So that is basically it's there's no changes to the investment structures otherwise or asset allocation or anything like that. It's just a slight update in the numbers, obviously, because your balance went up in rest, which is good.\n\nChannel 1: Yep.\n\nChannel 0: So we've just had to kind of rejig the numbers there a\n\nChannel 1: No.\n\nChannel 0: little\n\nChannel 1: No.\n\nChannel 0: bit\n\nChannel 1: I appreciate\n\nChannel 0: for you.\n\nChannel 1: that. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: the time has gone on. Yeah. So I've expect expect\n\nChannel 0: Yeah.\n\nChannel 1: it to have been been updated. Yeah. No\n\nChannel 0: Yeah.\n\nChannel 1: problems at all.\n\nChannel 0: Now Maddie just told me that she just resend that document to you. Did that new one come through at all there, Andrew?\n\nChannel 1: Let's have a look. Yes. So, yeah, she sent me originally, like, a five to five or whatever, and this one's here. 523 just come through now. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: So,\n\nChannel 0: Perfect.\n\nChannel 1: yeah, I can do that one.\n\nChannel 0: So\n\nChannel 1: Right. Okay.\n\nChannel 0: yep. So that is that is the new one they updated for you. And like like I said, there is a textbook\n\nChannel 1: Yep.\n\nChannel 0: added at the bottom, which allow you to say that, obviously, you're happy without the insurances, and then we can get that all sorted for you.\n\nChannel 1: Okay. Lovely. No problems at all.\n\nChannel 0: And now, Andrew, do you have any questions for me at all or any any other\n\nChannel 1: No. I don't think so. Like\n\nChannel 0: no?\n\nChannel 1: I said, so the the so the let me just have a look at the the the second one that Maddie sent it, which is these eight eight extras or whatever. Yeah. So it was the appendix to the same invoice, and that was like just doing the numbers. Then there's like a One Care and AIA one, which I can ignore because that's\n\nChannel 0: Yeah.\n\nChannel 1: insurance.\n\nChannel 0: Correct. Yes.\n\nChannel 1: That's just your service guide again.\n\nChannel 0: Yep.\n\nChannel 1: Disclosure. Additional information. Okay. What was that?\n\nChannel 0: I think\n\nChannel 1: It.\n\nChannel 0: that's\n\nChannel 1: So I'm speaking\n\nChannel 0: more for the\n\nChannel 1: about\n\nChannel 0: hub\n\nChannel 1: that.\n\nChannel 0: 24. Yeah. It's just kind of all those supporting documents that you don't need to sign\n\nChannel 1: Yeah. Right.\n\nChannel 0: just for your reference.\n\nChannel 1: Okay. No problems\n\nChannel 0: Yeah.\n\nChannel 1: at all. Service guide. I'm showing this all before.\n\nChannel 0: Yeah.\n\nChannel 1: The investment\n\nChannel 0: It's the same one.\n\nChannel 1: investment book list choice. What was that all about?\n\nChannel 0: Yep.\n\nChannel 1: I'll\n\nChannel 0: It's\n\nChannel 1: have\n\nChannel 0: more\n\nChannel 1: 24 choice menu investment booklet.\n\nChannel 0: yep. Basically, everything you need to know. There's a lot,\n\nChannel 1: Yep.\n\nChannel 0: but, basically, everything that you do need to know is in there for you.\n\nChannel 1: Okay. No problem at all. But yeah. No. That's why you're you're\n\nChannel 0: Yep.\n\nChannel 1: doing it all because it's all beyond my brain. Okay. Lovely. No problems at all. Right.\n\nChannel 0: Yep.\n\nChannel 1: So yes. No. If that's fine, yeah, I'll go once we get off the phone, I'll go through that SOA on the on the newer version that Maddy sent through\n\nChannel 0: Yep.\n\nChannel 1: or whatever.\n\nChannel 0: Yep.\n\nChannel 1: And hopefully, touch wood.\n\nChannel 0: Yeah.\n\nChannel 1: Because I say, I don't like I said, I didn't have to sort of particularly send it anyway. I did not read on the original one. All I did was just go through, click the link at the bottom\n\nChannel 0: Yes.\n\nChannel 1: saying complete. And so and\n\nChannel 0: That's\n\nChannel 1: that's what\n\nChannel 0: right.\n\nChannel 1: I was doing. And I say it\n\nChannel 0: Exactly.\n\nChannel 1: wasn't you know, I did revisit it, and it was inactive after I'd done it. So it was like it had gone you know, been used and and gone through. But so, yeah, I don't know what's happening. But, yeah, no. I'll I'll figure out, say, after we finish talking, I'll get\n\nChannel 0: Yeah.\n\nChannel 1: on it straight away and get it done. No problems at\n\nChannel 0: Yep.\n\nChannel 1: all.\n\nChannel 0: Perfect. If you do have any other questions, obviously, let me know. But, otherwise, while I do have you on your on the phone, I can get you booked in with Jordan and Maddie again just for a quick kind of official welcome and kind of run through the next\n\nChannel 1: Yeah.\n\nChannel 0: step with you.\n\nChannel 1: Yeah.\n\nChannel 0: Are you available, like, tomorrow or Wednesday, or when is a good time for you? It it\n\nChannel 1: When\n\nChannel 0: won't be\n\nChannel 1: when\n\nChannel 0: very long.\n\nChannel 1: tomorrow? Tomorrow, no. Wednesday would be would be better or Thursday.\n\nChannel 0: Yeah?\n\nChannel 1: But yeah.\n\nChannel 0: Okay. And about now, 05:15 is the\n\nChannel 1: Yeah.\n\nChannel 0: best\n\nChannel 1: Yeah.\n\nChannel 0: time?\n\nChannel 1: Five\n\nChannel 0: Yeah?\n\nChannel 1: fifteen. Yeah. It'd be good. Yeah.\n\nChannel 0: Okay. Perfect. So Jordan will just give you a quick call on Wednesday at 05:15. If you've had any issues with the documents, you can kind of guide and talk you through it as well.\n\nChannel 1: Yeah. If you received it, well, I know.\n\nChannel 0: And, yeah, and it's just a pretty quick one, so it won't take too long. And then, obviously, from there, we'll obviously go ahead and implement everything. And then when you onboard us a client as well, we'll also speak to Charlotte and look to reduce her ongoing advice fee as well, which is great.\n\nChannel 1: Yep. Lovely. No problem at\n\nChannel 0: Yep.\n\nChannel 1: all. That's great.\n\nChannel 0: Perfect.\n\nChannel 1: Awesome.\n\nChannel 0: No worries, Andrew. I'll let you go and enjoy your afternoon. I will give\n\nChannel 1: Yep.\n\nChannel 0: you a call\n\nChannel 1: Thank\n\nChannel 0: on\n\nChannel 1: you.\n\nChannel 0: Wednesday.\n\nChannel 1: I'll let you get home as well.\n\nChannel 0: No problem,\n\nChannel 1: Alright.\n\nChannel 0: Andrew. We'll speak\n\nChannel 1: No worries.\n\nChannel 0: soon.\n\nChannel 1: Thanks, Monica. Thanks.\n\nChannel 0: Okay.\n\nChannel 1: Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.0,"sentiment":"neutral","sentiment_score":0.012951812706887722},{"text":"I'm just speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.033484178284804024}],"sentiment":"neutral","sentiment_score":0.02835108689032495,"channel":1,"num_words":4,"start":1.68,"end":2.8999999},{"sentences":[{"text":"Good afternoon, Andrew.","start":3.28,"end":4.24,"sentiment":"neutral","sentiment_score":0.3145668903986613},{"text":"Veronica from OC Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.22605063021183014},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.17762530346711478}],"sentiment":"neutral","sentiment_score":0.23807791024446487,"channel":0,"num_words":10,"start":3.28,"end":6.8999996},{"sentences":[{"text":"I'm good, Veronica.","start":6.8799996,"end":8.0,"sentiment":"positive","sentiment_score":0.5413889090220133},{"text":"Thank you very much.","start":8.0,"end":8.98,"sentiment":"positive","sentiment_score":0.7639393955469131},{"text":"Thanks 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alright.","start":10.8,"end":11.62,"sentiment":"neutral","sentiment_score":0.13722526654601097},{"text":"I had you booked in for a a quick catch up, really.","start":12.815001,"end":16.015,"sentiment":"neutral","sentiment_score":0.2041475474834442},{"text":"Is now still a good 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Monica.","start":645.1049,"end":645.9049,"sentiment":"positive","sentiment_score":0.6417464315891266},{"text":"Thanks.","start":645.9049,"end":646.1449,"sentiment":"positive","sentiment_score":0.7038224935531616}],"sentiment":"positive","sentiment_score":0.6624384522438049,"channel":1,"num_words":3,"start":645.1049,"end":646.1449},{"sentences":[{"text":"Okay.","start":646.085,"end":646.585,"sentiment":"positive","sentiment_score":0.4020702838897705}],"sentiment":"positive","sentiment_score":0.4020702838897705,"channel":0,"num_words":1,"start":646.085,"end":646.585},{"sentences":[{"text":"Bye.","start":646.1449,"end":646.6449,"sentiment":"positive","sentiment_score":0.3586214780807495},{"text":"Bye.","start":646.94495,"end":647.44495,"sentiment":"neutral","sentiment_score":0.22140690684318545}],"sentiment":"neutral","sentiment_score":0.29001419246196747,"channel":1,"num_words":2,"start":646.1449,"end":647.44495},{"sentences":[{"text":"Bye.","start":647.125,"end":647.625,"sentiment":"neutral","sentiment_score":-0.10214858502149582}],"sentiment":"neutral","sentiment_score":-0.10214858502149582,"channel":0,"num_words":1,"start":647.125,"end":647.625}]},"summary":{"result":"success","short":"A representative from a financial company called the customer to confirm their appointment and transferred them to an insurance company. They informed the customer about a slight change in their retirement numbers and a minor change in their returns. The representative also updated their retirement numbers and transferred them to an insurance company. They provided information on retirement plans and retirement numbers, and advised the customer to review the investment book and additional information. The agent also sent a new textbook and gave the customer a phone number for a welcome call. The agent offered to help the customer with their onboarding process and reduced their ongoing advice fee."},"intents":{"segments":[{"text":"So we have tried a new software, so hopefully that works a bit better. Yeah.","start_word":330,"end_word":344,"intents":[{"intent":"Update software and update schedule","confidence_score":0.0023487902}]},{"text":"We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that Yeah.","start_word":440,"end_word":479,"intents":[{"intent":"Add text box","confidence_score":0.15338308}]},{"text":"Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year. Yeah.","start_word":508,"end_word":550,"intents":[{"intent":"Complete retirement numbers","confidence_score":0.014324861},{"intent":"Move to retirement numbers","confidence_score":0.0065644383}]},{"text":"Just just a little bit further, but I say we all think we're going on. It's sort of going on a bit already, isn't it? But yeah. Yeah.","start_word":639,"end_word":666,"intents":[{"intent":"End conversation","confidence_score":0.13151816}]},{"text":"As you say, it probably does make it easier to start on a new financial year, as you say. But we've Yes.","start_word":677,"end_word":698,"intents":[{"intent":"Implement financial year","confidence_score":0.0035037505}]},{"text":"We'll open up your hub 24. We'll close down your other account. So Yeah.","start_word":721,"end_word":734,"intents":[{"intent":"Close account","confidence_score":0.8044983}]},{"text":"Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment. So there's been a slight drop in both the recommended, but then also your return.","start_word":763,"end_word":823,"intents":[{"intent":"Change returns","confidence_score":0.36350963}]},{"text":"The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to Yes. the SOA or whatever.","start_word":936,"end_word":972,"intents":[{"intent":"Request documents","confidence_score":0.08797503}]},{"text":"The the new pension withdrawal and stuff like that is all added there for you as well.","start_word":1013,"end_word":1029,"intents":[{"intent":"Add pension withdrawal","confidence_score":0.1604964}]},{"text":"Now Maddie just told me that she just resend that document to you. Did that new one come through at all there, Andrew?","start_word":1262,"end_word":1284,"intents":[{"intent":"Update documents","confidence_score":0.53300977}]},{"text":"Are you available, like, tomorrow or Wednesday, or when is a good time for you?","start_word":1831,"end_word":1845,"intents":[{"intent":"Confirm availability","confidence_score":0.07455838},{"intent":"Schedule meeting","confidence_score":0.0029536358}]},{"text":"And about now, 05:15 is the Yeah. best Yeah. time?","start_word":1869,"end_word":1878,"intents":[{"intent":"Schedule call - 05:15","confidence_score":3.0347016e-7}]},{"text":"If you've had any issues with the documents, you can kind of guide and talk you through it as well. Yeah.","start_word":1902,"end_word":1922,"intents":[{"intent":"Identify issue","confidence_score":0.011345098}]},{"text":"No worries, Andrew. I'll let you go and enjoy your afternoon.","start_word":1996,"end_word":2006,"intents":[{"intent":"Conclude call","confidence_score":0.00015016805}]}]},"sentiments":{"segments":[{"text":"Hello? I'm just speaking. Good afternoon, Andrew. Veronica from OC Financial. How are you?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.17029473185539246},{"text":"I'm good, Veronica. Thank you very much. Thanks for That's calling. good.","start_word":14,"end_word":25,"sentiment":"positive","sentiment_score":0.5726264119148254},{"text":"No. That's alright. I had you booked in for a a quick catch up, really. Is now still a good time? Yeah. Yeah. Yeah. Yeah. Yeah. That's Right. good. Right?","start_word":26,"end_word":55,"sentiment":"neutral","sentiment_score":0.16114898025989532},{"text":"Thank you.","start_word":56,"end_word":57,"sentiment":"positive","sentiment_score":0.4076985716819763},{"text":"Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No problems at Yep. all.","start_word":58,"end_word":93,"sentiment":"neutral","sentiment_score":0.06288152933120728},{"text":"Great. Perfect.","start_word":94,"end_word":95,"sentiment":"positive","sentiment_score":0.4277921915054322},{"text":"So what I have done is I'm just about to send you an updated SOA just because, obviously, the the time frame from when we did it. Now Jordan did tell me that you had a bit of issues signing the document. It was kind of playing Yeah. up It's a gonna little bit get on through. you. So are you sending it through? I know Madison's already sent a couple of emails through this evening. Yeah. So Madison is just about to send it. Disregard the first one she sent because it didn't have the text box in it. So she's just about to send you a new one, Okay. and she will let me know when she send it so I can let you know, which we which we've sent it through a different different software to see if, hopefully, this is working Yes. a Yeah. bit better. Oh, the thing I said, I don't know what the issue was, you know, having done everything with Charlotte or whether through the same computer or whatever. And whether it's a because it's a Gmail address or something. I'm not sure. Or the Yeah. Hotmail, I don't know. But Yeah. I'm not It's frustrating.","start_word":96,"end_word":299,"sentiment":"neutral","sentiment_score":-0.04124894738197327},{"text":"a tech savvy enough not enough tech savvy enough for that, I'm afraid.","start_word":300,"end_word":312,"sentiment":"negative","sentiment_score":-0.4285627007484436},{"text":"No. That's okay.","start_word":313,"end_word":315,"sentiment":"neutral","sentiment_score":-0.24693836271762848},{"text":"And it is a bit frustrating sometimes with technology and stuff like that.","start_word":316,"end_word":328,"sentiment":"negative","sentiment_score":-0.3821830451488495},{"text":"So we have tried a new software, so hopefully that works a bit better. Yeah. And while I wait for for Maddie to send that one through, I'll just quickly Yep. run through a couple of changes for you. Not much has changed, really. Just basically updating it because of the time frame, really. Now Yep. Jordan did tell me as well that you were happy to proceed without the insurances? Yes. That's right. Yeah.","start_word":329,"end_word":403,"sentiment":"neutral","sentiment_score":0.0980200618505478},{"text":"Yep. Perfect. So that's why we've added that textbook there for you.","start_word":404,"end_word":415,"sentiment":"positive","sentiment_score":0.45546719431877136},{"text":"So the SOA at the moment has been updated as per the advice. So it currently has the insurances in it. Yep.","start_word":416,"end_word":437,"sentiment":"neutral","sentiment_score":0.2535698115825653},{"text":"No problem. We've we've added that text box for you so that you can literally just note that you're happy to proceed with our insurances and, obviously, understand that that means that you don't have any insurances in place, and that Yeah.","start_word":438,"end_word":479,"sentiment":"positive","sentiment_score":0.4036703109741211},{"text":"is no problem Yeah. at all. Yeah. And we'll just go ahead with the superannuation side of it. Okay.","start_word":480,"end_word":498,"sentiment":"neutral","sentiment_score":0.2073344439268112},{"text":"No problem at all. Thank you.","start_word":499,"end_word":504,"sentiment":"positive","sentiment_score":0.39764440059661865},{"text":"No. That's okay. Now there's been just a slight update on the transition to retirement numbers as well, And that is mainly because last time when we spoke, it was kind of calculated pro rata on the time that was left during the financial year. Yeah. And to make things a bit easier for you and also making sure everything is finalized and streamlined, I have suggested that we transfer everything over to have 24, get it all set up, but then actually start the pension withdrawal and the increase in the salary set at the end of the start of the new financial year. So in July, we kind of start the pension withdrawal and the salary sacrifice to make it a bit easier if you are happy with that. Yeah. Alright. Yeah. Just just a little bit further, but I say we all think we're going on. It's sort of going on a bit already, isn't it? But yeah. Yeah. No. That's fine. I say can't Yeah. tell you. As you say, it probably does make it easier to start on a new financial year, as you say. But we've Yes. lost Yeah. one And we already, can but unfortunately, hang up. exactly. Now we can still we'll obviously still start the implementation process. We'll open up your hub 24. We'll close down your other account. So Yeah. we'll still do all of that. Obviously, cancel all those insurances. That can all be sorted and ready to go for Yeah. you.","start_word":505,"end_word":757,"sentiment":"neutral","sentiment_score":0.0998667168464114},{"text":"No fucking Yep.","start_word":758,"end_word":760,"sentiment":"negative","sentiment_score":-0.4335919320583343},{"text":"good. Perfect. Now there has been just just a minor change in the returns for you as well, and that is just because, obviously, as you probably, you know, have seen on the news and everything, there's been a bit of fluctuations in the market at the moment. So there's been a slight drop in both the recommended, but then also your return. Not really anything major because we are looking obviously long term, but the three year rolling average on the recommended portfolio is 15.5, which is still a lot better than your rest portfolio, Yeah. which is that 7.72. Yeah. And that's Okay. obviously just the nature of of of the market and stuff. Obviously, depending on when we do it, it tends to fluctuate a little bit for you, No. but I appreciate still obviously that. I doing did. I was gonna ask about that because I can I saw yeah. there was a Maddie sent through two emails, I think? One was one was, yeah, the written thing. Oh, written thing. The youngest figure to request it on the statement of advice or whatever, and then there was a a follow-up one or whatever, which had some attachments and one was appendix to Yes. the SOA or whatever. Yes. So I assumed that I I'm not having any chance to look through them, but Yep. there's few figures in that as what you're talking about. Is that reflected in that document? Exactly. So everything is updated for you. The the new pension withdrawal and stuff like that is all added there for you as well. You don't really have to keep an eye on it because we've obviously worked on all the numbers. But just for your reference, when we do start the pension withdrawal, it will be about 266 per fortnight, and then we are increasing the salary stack through about 692 per fortnight. So Basic so salary sacrifice, mhmm. $6.09 2 roughly. Yeah? Yes. So Yep. increasing that for you and And then then doing the pension withdrawal, so taking it tax free from super. So, yeah. obviously, making sure that your net income stays the same. Yep. I was about $2.02 $2.06 6 or 4, Three like, you said, 6. yeah. Exactly.","start_word":761,"end_word":1139,"sentiment":"neutral","sentiment_score":0.057188028681010875},{"text":"Which means Right. that your net income after tax will stay exactly the same. But by doing it as well, you do save about $1,734 in tax, which is which is a nice bonus. Yeah.","start_word":1140,"end_word":1174,"sentiment":"positive","sentiment_score":0.599227249622345},{"text":"So that is basically it's there's no changes to the investment structures otherwise or asset allocation or anything like that.","start_word":1175,"end_word":1194,"sentiment":"neutral","sentiment_score":0.3266938030719757},{"text":"It's just a slight update in the numbers, obviously, because your balance went up in rest, which is good.","start_word":1195,"end_word":1213,"sentiment":"positive","sentiment_score":0.4945087730884552},{"text":"Yep. So we've just had to kind of rejig the numbers there a No. little No. bit I appreciate for you. that. Yeah. So Yeah. the time has gone on. Yeah. So I've expect expect Yeah. it to have been been updated. Yeah. No Yeah. problems at all. Now Maddie just told me that she just resend that document to you. Did that new one come through at all there, Andrew? Let's have a look. Yes. So, yeah, she sent me originally, like, a five to five or whatever, and this one's here. 523 just come through now. Yeah. Yes.","start_word":1214,"end_word":1313,"sentiment":"neutral","sentiment_score":0.026858869940042496},{"text":"So, Perfect. yeah, I can do that one.","start_word":1314,"end_word":1321,"sentiment":"positive","sentiment_score":0.49460145831108093},{"text":"So Right. Okay. yep. So that is that is the new one they updated for you. And like like I said, there is a textbook Yep. added at the bottom, which allow you to say that, obviously, you're happy without the insurances, and then we can get that all sorted for you.","start_word":1322,"end_word":1373,"sentiment":"neutral","sentiment_score":0.21037372946739197},{"text":"Okay. Lovely. No problems at all.","start_word":1374,"end_word":1379,"sentiment":"positive","sentiment_score":0.5846113562583923},{"text":"And now, Andrew, do you have any questions for me at all or any any other No. I don't think so. Like no? I said, so the the so the let me just have a look at the the the second one that Maddie sent it, which is these eight eight extras or whatever. Yeah. So it was the appendix to the same invoice, and that was like just doing the numbers. Then there's like a One Care and AIA one, which I can ignore because that's Yeah. insurance. Correct. Yes. That's just your service guide again. Yep. Disclosure. Additional information. Okay. What was that? I think It. that's So I'm speaking more for the about hub that. 24. Yeah. It's just kind of all those supporting documents that you don't need to sign Yeah. Right. just for your reference. Okay. No problems Yeah. at all. Service guide. I'm showing this all before. Yeah. The investment It's the same one. investment book list choice. What was that all about? Yep. I'll It's have more 24 choice menu investment booklet. yep. Basically, everything you need to know. There's a lot, Yep. but, basically, everything that you do need to know is in there for you. Okay. No problem at all. But yeah. No. That's why you're you're Yep. doing it all because it's all beyond my brain. Okay. Lovely. No problems at all. Right. Yep. So yes. No. If that's fine, yeah, I'll go once we get off the phone, I'll go through that SOA on the on the newer version that Maddy sent through Yep. or whatever. Yep. And hopefully, touch wood. Yeah. Because I say, I don't like I said, I didn't have to sort of particularly send it anyway. I did not read on the original one. All I did was just go through, click the link at the bottom Yes. saying complete. And so and That's that's what right. I was doing. And I say it Exactly. wasn't you know, I did revisit it, and it was inactive after I'd done it. So it was like it had gone you know, been used and and gone through. But so, yeah, I don't know what's happening. But, yeah, no. I'll I'll figure out, say, after we finish talking, I'll get Yeah. on it straight away and get it done. No problems at Yep.","start_word":1380,"end_word":1774,"sentiment":"neutral","sentiment_score":-0.0037517566045251072},{"text":"all. Perfect.","start_word":1775,"end_word":1776,"sentiment":"positive","sentiment_score":0.4902217090129852},{"text":"If you do have any other questions, obviously, let me know. But, otherwise, while I do have you on your on the phone, I can get you booked in with Jordan and Maddie again just for a quick kind of official welcome and kind of run through the next Yeah. step with you. Yeah. Are you available, like, tomorrow or Wednesday, or when is a good time for you? It it When won't be when very long. tomorrow? Tomorrow, no. Wednesday would be would be better or Thursday. Yeah? But yeah. Okay. And about now, 05:15 is the Yeah. best Yeah. time? Five Yeah? fifteen. Yeah. It'd be good. Yeah. Okay.","start_word":1777,"end_word":1887,"sentiment":"neutral","sentiment_score":0.12459545582532884},{"text":"Perfect.","start_word":1888,"end_word":1888,"sentiment":"positive","sentiment_score":0.3873005211353302},{"text":"So Jordan will just give you a quick call on Wednesday at 05:15. If you've had any issues with the documents, you can kind of guide and talk you through it as well. Yeah. If you received it, well, I know.","start_word":1889,"end_word":1929,"sentiment":"neutral","sentiment_score":0.15931548178195953},{"text":"And, yeah, and it's just a pretty quick one, so it won't take too long.","start_word":1930,"end_word":1944,"sentiment":"positive","sentiment_score":0.33876943588256836},{"text":"And then, obviously, from there, we'll obviously go ahead and implement everything. And then when you onboard us a client as well, we'll also speak to Charlotte and look to reduce her ongoing advice fee as well, which is great.","start_word":1945,"end_word":1984,"sentiment":"neutral","sentiment_score":0.294504314661026},{"text":"Yep. Lovely. No problem at Yep. all. That's great. Perfect. Awesome. No worries, Andrew. I'll let you go and enjoy your afternoon.","start_word":1985,"end_word":2006,"sentiment":"positive","sentiment_score":0.5720540285110474},{"text":"I will give Yep.","start_word":2007,"end_word":2010,"sentiment":"neutral","sentiment_score":0.20589053630828855},{"text":"you a call Thank on you.","start_word":2011,"end_word":2016,"sentiment":"positive","sentiment_score":0.449440598487854},{"text":"Wednesday. I'll let you get home as well. No problem, Alright. Andrew. We'll speak No worries. soon.","start_word":2017,"end_word":2033,"sentiment":"neutral","sentiment_score":0.20364253222942352},{"text":"Thanks, Monica. Thanks. Okay. Bye.","start_word":2034,"end_word":2038,"sentiment":"positive","sentiment_score":0.5322396755218506},{"text":"Bye. Bye.","start_word":2039,"end_word":2040,"sentiment":"neutral","sentiment_score":0.2079046368598938}],"average":{"sentiment":"neutral","sentiment_score":0.10142268616869454}}}}