{"metadata":{"transaction_key":"deprecated","request_id":"01a01367-9670-7e40-a8d3-24f3f7100b86","sha256":"0d6078943ce9755bffc7d0f71c2729b8804313857376de662180de712f8d2f5f","created":"2026-08-18T05:45:52.773Z","duration":976.39197,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3641,"output_tokens":119},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4042,"output_tokens":4050},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4042,"output_tokens":234}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Ethan. This is Dana again. I'm so sorry. You're that's absolutely fine. If it does cut out, I'll keep calling you back, so don't worry. No issues at all. Easy. All done. All done. Easy. So, look, honestly, it it is an important that I'm honest and open with you, and the markets haven't been great this year. We have also had the underperforming investment, but it is good that we're seeing a better recovery there. So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change, and then maybe look at whether we've gotta make any further changes. Does that sound okay with you? Fantastic. Excellent. Excellent. The other thing to sort of look at is I've had a bit of a look at the contribution side of things. You don't have any contributions going in at the moment. Okay. Yep. Yep. Yep. Yep. Yes. Perfect. That's okay. Honestly, we don't judge, and life gets very busy, especially having children. Alright. All good. Is that something you're sort of hoping to maybe do over the next six months? Do you feel like you should be yep. Yep. Beautiful. Excellent. I'll make perfect. I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay? Yeah. Beautiful. So it sounds like with your growing, business is going quite well at the moment. Yep. That's okay. Last estimated income we had you on was about 186,000. Do you feel like that's fairly accurate for what you should be earning this year as well? Or yep. Yep. That's okay. No. That's okay. We can keep that as it is. Yeah. That's alright. Mhmm. Okay. Yep. Perfect. That's alright. If you like, what we can do is I can sorta catch up with you in February. We'll do a bit of catch up, reassess everything. And then because, hopefully, you may have done your tax by then, we can have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself. So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense. Yeah. Fantastic. Excellent. And you're a builder by trade. Is that right? Yeah. Beautiful. Excellent. And work is picking up nicely. What kinda hours do you work on a regular average week, do you think? Yeah. Yeah. Wow. And is it just you, or do you have others working with you, apprentices and people that you maybe contract out? Only an apprentice. Yeah. Perfect. And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or? Yeah. Perfect. Beautiful. Excellent. Good to see. Excellent. The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report. So it does show, obviously, that we've gone through that. Your performance for this year is sort of sitting at a negative 1.65%. That's for the last twelve months. But when I kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%. So I just wanna keep reviewing that, making sure that it is recovering back. And if we don't see any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along. Okay? To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young. Are you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track? Yep. Yep. That's okay. And have you looked now you've just turned 44 there as well, haven't you? Happy birthday. Don't worry. That's right. I'm 41, so don't feel too bad. I promise. They they say our forties are the are the best time of our life, so I'm taking that on board. Yeah. So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there. So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39. So you are fairly on average for where most people of your age and stage are, which is good. It does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average. I would definitely like to see it working a bit harder and building more, but we'll keep working on that down the track for you. Okay? Yeah. They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super. So we'll try to sort of keep building on that as much as we possibly can. Absolutely. Absolutely. I'll make it my goal. I want you to enjoy your retirement years. So when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married. Does your wife work as well? Does she have super as well? Yep. Okay. Perfect. So she'd have a fairly good super balance there as well. No. That's okay. The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser. Down the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par? What you need to live on when you get to those areas? Realistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than depleting one or the other. The other thing I tend to look at is how old each of you are as well. So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or whether you hold off. So Yeah. Spring chicken. Do you think she's gonna wanna kinda retire at the same time as you or earlier? Do you think she'll probably work? Yeah. Oh, absolutely. Abs mhmm. Yep. Yep. Absolutely. Perfect. And are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy in your job? Yeah? Yep. Perfect. Beautiful. I'll just sorta note that down there for you. Fantastic. Sorry. And just sorry. The other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build? Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income? Do you have any idea of how have you thought about Sorry. I'm gonna ask all the questions you've never thought about answering. Yep. Yep. Yeah. Beautiful. So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the business in the family. Yep. Yeah. Beautiful. Well, hopefully, one of them wants to take on that. That would be fantastic to see everything you've built and worked so hard for continues for them. Yeah. Excellent. Lovely. The next document you'll see in there oh, sorry. The one before we were looking at with your super balance, it also has your insurances attached there. So now with your insurance cover, you've got your life and your total permanent disability cover. So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745. If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000. In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover? Yep. Yep. Yeah. Wow. Yeah. Yep. Are they in private school? Are they? Or yeah. Yep. And with the mortgage, I had you owing about 500,000 on that. What do you owe on the mortgage currently? Okay. So if we base it on 485,000. So as an example, if you were to pass away today, that $740,007.04 7 is paid out. It covers 485,000 of the mortgage. It leaves around about $255,007.47. That could be paid less for your family there. Do you think that would be enough for them to sort of survive on for a bit longer? Would you wanna kinda review the life amount you have to boost the benefit? How do you feel about that? Sorry. Yep. Yep. Mhmm. Yep. Yep. That's it. Yeah. Yeah. Yeah. 5 193 and then an extra 147, which is your super balance paid out as well. Yeah. Yeah. That's okay. If you if you want, you can always sit on that for the moi. Sorry. It does increase the cost of it. I can jump into the insurer and have a quick look for you. If you want, we can sort of assess and look at what the cost difference might be. Two seconds. Yeah. Yeah. Neos is the insurer. Absolutely. Yeah. I'm just logging in. Won't be one second. So sorry. Yeah. That's correct. Yeah. Pardon me. And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3¢. So, realistically, for your agent stage and the level of cover you have, that is quite expensive. I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for you to maybe give you more cover. Absolutely. I mean, realistically, when you're sort of in your fifties yeah. That's okay. So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher. But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so. I'm just yeah. Of course. Yeah. That's okay. Did you want me yeah. You oh, yeah. I'm so sorry. Did you wanna hang up and make that phone call, and I can give you a callback in a minute? I don't mind. Yeah. Absolutely. Not a problem. I'll call you back in about five minutes. Is that okay? No. You're fine. All good. I'll talk that's okay, Heath. I'll talk to you in a minute.","confidence":0.9980469,"words":[{"word":"hi","start":4.08,"end":4.58,"confidence":0.75341797,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":-0.006603769492357969},{"word":"ethan","start":5.6,"end":5.92,"confidence":0.7717285,"punctuated_word":"Ethan.","sentiment":"neutral","sentiment_score":0.009454799816012384},{"word":"this","start":5.92,"end":6.0,"confidence":0.4736328,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.008274407126009464},{"word":"is","start":6.0,"end":6.08,"confidence":0.95166016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007097373716533184},{"word":"dana","start":6.08,"end":6.48,"confidence":0.70410156,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.007836336269974709},{"word":"again","start":6.48,"end":6.7999997,"confidence":0.97998047,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.004563977941870689},{"word":"i'm","start":6.7999997,"end":6.96,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03591479733586311},{"word":"so","start":6.96,"end":7.2,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0764223039150238},{"word":"sorry","start":7.2,"end":7.7,"confidence":0.9995117,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.08913752436637878},{"word":"you're","start":8.72,"end":9.22,"confidence":0.85131836,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.017726607620716095},{"word":"that's","start":10.16,"end":10.559999,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2301023900508881},{"word":"absolutely","start":10.559999,"end":11.059999,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2579023241996765},{"word":"fine","start":11.12,"end":11.44,"confidence":0.99560547,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1761903166770935},{"word":"if","start":11.44,"end":11.599999,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.021375179290771484},{"word":"it","start":11.599999,"end":11.759999,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009166449308395386},{"word":"does","start":11.759999,"end":12.0,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.007755666971206665},{"word":"cut","start":12.0,"end":12.24,"confidence":0.80371094,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.015710953623056412},{"word":"out","start":12.24,"end":12.4,"confidence":0.9814453,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.01106356829404831},{"word":"i'll","start":12.4,"end":12.559999,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.00013497720647137612},{"word":"keep","start":12.559999,"end":13.059999,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.001530613750219345},{"word":"calling","start":13.12,"end":13.44,"confidence":0.6958008,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":-0.0030866339802742004},{"word":"you","start":13.44,"end":13.599999,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010742813348770142},{"word":"back","start":13.599999,"end":13.965,"confidence":0.8449707,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.023449542000889775},{"word":"so","start":13.965,"end":14.125,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03905165195465088},{"word":"don't","start":14.125,"end":14.365,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.043845366686582565},{"word":"worry","start":14.365,"end":14.865,"confidence":0.9926758,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.04596384987235069},{"word":"no","start":15.005,"end":15.245,"confidence":0.94921875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.04872734844684601},{"word":"issues","start":15.245,"end":15.725,"confidence":0.9941406,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.014111723750829697},{"word":"at","start":15.725,"end":15.805,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09240812808275224},{"word":"all","start":15.805,"end":16.305,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.13448801636695862},{"word":"easy","start":17.005001,"end":17.505001,"confidence":0.9609375,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2692447304725647},{"word":"all","start":18.045,"end":18.365,"confidence":0.984375,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.31999561190605164},{"word":"done","start":18.365,"end":18.765,"confidence":0.99658203,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.29447677731513977},{"word":"all","start":18.765,"end":19.005001,"confidence":1.0,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4652061462402344},{"word":"done","start":19.005001,"end":19.405,"confidence":1.0,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.4808059930801392},{"word":"easy","start":19.405,"end":19.905,"confidence":1.0,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.3829939365386963},{"word":"so","start":20.125,"end":20.365,"confidence":0.6203613,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13059867918491364},{"word":"look","start":20.365,"end":20.525,"confidence":0.91259766,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.0843506008386612},{"word":"honestly","start":20.525,"end":20.925,"confidence":0.9980469,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":0.06562180817127228},{"word":"it","start":20.925,"end":21.165,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06811822950839996},{"word":"it","start":21.165,"end":21.325,"confidence":0.95947266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06099694222211838},{"word":"is","start":21.325,"end":21.485,"confidence":0.72998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.049842339009046555},{"word":"an","start":21.485,"end":21.725,"confidence":0.875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08133576065301895},{"word":"important","start":21.725,"end":22.045,"confidence":0.9135742,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.05607813224196434},{"word":"that","start":22.045,"end":22.205,"confidence":0.9370117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07797234505414963},{"word":"i'm","start":22.205,"end":22.365,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08502669632434845},{"word":"honest","start":22.365,"end":22.685001,"confidence":0.99609375,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":0.02397606149315834},{"word":"and","start":22.685001,"end":22.845001,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02621697634458542},{"word":"open","start":22.845001,"end":23.165,"confidence":0.9902344,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.029565826058387756},{"word":"with","start":23.165,"end":23.325,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.035327110439538956},{"word":"you","start":23.325,"end":23.404999,"confidence":0.77978516,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.057132113724946976},{"word":"and","start":23.404999,"end":23.564999,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0382106639444828},{"word":"the","start":23.564999,"end":23.725,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018952764570713043},{"word":"markets","start":23.725,"end":24.125,"confidence":0.9790039,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.011158309876918793},{"word":"haven't","start":24.125,"end":24.445,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.023495342582464215},{"word":"been","start":24.445,"end":24.685,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.033246658742427826},{"word":"great","start":24.685,"end":24.845001,"confidence":0.9970703,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.008545875549316406},{"word":"this","start":24.845001,"end":25.085,"confidence":0.97509766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02850243449211121},{"word":"year","start":25.085,"end":25.244999,"confidence":0.99853516,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.005310434848070145},{"word":"we","start":25.244999,"end":25.404999,"confidence":0.9921875,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.01484350860118866},{"word":"have","start":25.404999,"end":25.645,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.001932825893163681},{"word":"also","start":25.645,"end":25.885,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0042615775018930435},{"word":"had","start":25.885,"end":26.125,"confidence":0.9819336,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.003713216632604599},{"word":"the","start":26.125,"end":26.285,"confidence":0.9550781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.055230747908353806},{"word":"underperforming","start":26.285,"end":26.785,"confidence":0.9758301,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.05671047046780586},{"word":"investment","start":26.925,"end":27.36,"confidence":0.8413086,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.027028771117329597},{"word":"but","start":27.52,"end":27.68,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.029546111822128296},{"word":"it","start":27.68,"end":27.84,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28305450081825256},{"word":"is","start":27.84,"end":28.08,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3565067648887634},{"word":"good","start":28.08,"end":28.32,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4768354892730713},{"word":"that","start":28.32,"end":28.480001,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3557688593864441},{"word":"we're","start":28.480001,"end":28.720001,"confidence":0.8015137,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.3220065236091614},{"word":"seeing","start":28.720001,"end":28.880001,"confidence":0.984375,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.2931942939758301},{"word":"a","start":28.880001,"end":29.04,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25400209426879883},{"word":"better","start":29.04,"end":29.28,"confidence":0.56933594,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.076424740254879},{"word":"recovery","start":29.28,"end":29.78,"confidence":0.9980469,"punctuated_word":"recovery","sentiment":"neutral","sentiment_score":0.18012797832489014},{"word":"there","start":29.84,"end":30.34,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14317533373832703},{"word":"so","start":30.640001,"end":31.12,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02426420152187347},{"word":"depending","start":31.12,"end":31.6,"confidence":0.7714844,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.03370171785354614},{"word":"on","start":31.6,"end":31.84,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02508024498820305},{"word":"the","start":31.84,"end":32.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011054519563913344},{"word":"outcome","start":32.0,"end":32.32,"confidence":0.99902344,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.008844241499900818},{"word":"of","start":32.32,"end":32.48,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007702913135290146},{"word":"today","start":32.48,"end":32.88,"confidence":0.9995117,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.009378502145409584},{"word":"i'd","start":32.88,"end":33.12,"confidence":1.0,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.013074159622192385},{"word":"like","start":33.12,"end":33.28,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.017813730984926224},{"word":"to","start":33.28,"end":33.440002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028621487319469452},{"word":"sort","start":33.440002,"end":33.68,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01860460266470909},{"word":"of","start":33.68,"end":33.84,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0241488479077816},{"word":"make","start":33.84,"end":34.0,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0242789089679718},{"word":"sure","start":34.0,"end":34.16,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04589691758155823},{"word":"we","start":34.16,"end":34.32,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.024722769856452945},{"word":"do","start":34.32,"end":34.48,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02214568853378296},{"word":"a","start":34.48,"end":34.8,"confidence":0.80908203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010922970250248907},{"word":"a","start":34.8,"end":34.96,"confidence":0.7260742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005206255242228508},{"word":"catch","start":34.96,"end":35.2,"confidence":0.9951172,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.011786594986915588},{"word":"up","start":35.2,"end":35.36,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.004246346652507782},{"word":"in","start":35.36,"end":35.52,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015512149780988692},{"word":"the","start":35.52,"end":35.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03809236362576485},{"word":"next","start":35.6,"end":35.84,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.015361856669187546},{"word":"sort","start":35.84,"end":36.08,"confidence":0.8852539,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01063939556479454},{"word":"of","start":36.08,"end":36.16,"confidence":0.96533203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024290628731250763},{"word":"six","start":36.16,"end":36.4,"confidence":0.9980469,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.013010527938604357},{"word":"months","start":36.4,"end":36.72,"confidence":0.9980469,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.03190413862466812},{"word":"with","start":36.72,"end":36.8,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.023987341672182083},{"word":"you","start":36.8,"end":36.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037101056426763535},{"word":"just","start":36.96,"end":37.2,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.049511801451444626},{"word":"to","start":37.2,"end":37.36,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0400574617087841},{"word":"sort","start":37.36,"end":37.52,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03402163088321686},{"word":"of","start":37.52,"end":37.68,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048219237476587296},{"word":"reassess","start":37.68,"end":38.16,"confidence":0.99902344,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.03658396005630493},{"word":"how","start":38.16,"end":38.32,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02777620032429695},{"word":"the","start":38.32,"end":38.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024378232657909393},{"word":"portfolio","start":38.4,"end":38.9,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.012421879917383194},{"word":"is","start":39.12,"end":39.36,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0172283798456192},{"word":"recovering","start":39.36,"end":39.86,"confidence":1.0,"punctuated_word":"recovering","sentiment":"neutral","sentiment_score":0.04277582839131355},{"word":"from","start":40.0,"end":40.24,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01240982860326767},{"word":"that","start":40.24,"end":40.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02522476390004158},{"word":"change","start":40.56,"end":41.06,"confidence":0.74731445,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.01854853332042694},{"word":"and","start":41.385002,"end":41.545002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014301057904958723},{"word":"then","start":41.545002,"end":41.705,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02982158027589321},{"word":"maybe","start":41.705,"end":42.105,"confidence":0.99609375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.01331109181046486},{"word":"look","start":42.105,"end":42.265,"confidence":0.9892578,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.012168202549219131},{"word":"at","start":42.265,"end":42.345,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00958630070090294},{"word":"whether","start":42.345,"end":42.665,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.009584737941622734},{"word":"we've","start":42.665,"end":42.825,"confidence":0.9885254,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.007490865886211395},{"word":"gotta","start":42.825,"end":43.145,"confidence":0.80810547,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.005878729745745659},{"word":"make","start":43.145,"end":43.385002,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.013235218822956083},{"word":"any","start":43.385002,"end":43.625,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.030819635838270187},{"word":"further","start":43.625,"end":44.025,"confidence":1.0,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.015055198222398758},{"word":"changes","start":44.025,"end":44.505,"confidence":0.9975586,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.016716931015253067},{"word":"does","start":44.505,"end":44.665,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.03772943839430809},{"word":"that","start":44.665,"end":44.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09034517407417296},{"word":"sound","start":44.905,"end":45.145,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06005677580833435},{"word":"okay","start":45.145,"end":45.465,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.0628051608800888},{"word":"with","start":45.465,"end":45.625,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018243806436657906},{"word":"you","start":45.625,"end":46.125,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.043346017599105835},{"word":"fantastic","start":48.025,"end":48.525,"confidence":0.9160156,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5902843475341797},{"word":"excellent","start":48.905,"end":49.405,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5383212566375732},{"word":"excellent","start":49.705,"end":50.205,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4388676881790161},{"word":"the","start":50.985,"end":51.225,"confidence":0.6386719,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1103508323431015},{"word":"other","start":51.225,"end":51.465,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08204792439937592},{"word":"thing","start":51.465,"end":51.785,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.07419955730438232},{"word":"to","start":51.785,"end":51.945,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03636259585618973},{"word":"sort","start":51.945,"end":52.185,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05046529695391655},{"word":"of","start":52.185,"end":52.265,"confidence":0.7729492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02115056663751602},{"word":"look","start":52.265,"end":52.425,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01287243515253067},{"word":"at","start":52.425,"end":52.585,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03362352028489113},{"word":"is","start":52.585,"end":53.085,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.023941967636346817},{"word":"i've","start":53.68,"end":53.920002,"confidence":0.9189453,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.019587239250540733},{"word":"had","start":53.920002,"end":54.0,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01844506338238716},{"word":"a","start":54.0,"end":54.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026878856122493744},{"word":"bit","start":54.08,"end":54.32,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03831496462225914},{"word":"of","start":54.32,"end":54.36,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04011095315217972},{"word":"a","start":54.36,"end":54.4,"confidence":0.7597656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03867638111114502},{"word":"look","start":54.4,"end":54.56,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.038100212812423706},{"word":"at","start":54.56,"end":54.72,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03970973193645477},{"word":"the","start":54.72,"end":54.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019287358969449997},{"word":"contribution","start":54.88,"end":55.38,"confidence":0.98095703,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.016162052750587463},{"word":"side","start":55.44,"end":55.68,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.03235960751771927},{"word":"of","start":55.68,"end":55.760002,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023282181471586227},{"word":"things","start":55.760002,"end":56.08,"confidence":0.8676758,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.011674173176288605},{"word":"you","start":56.08,"end":56.24,"confidence":0.6816406,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.026433518156409264},{"word":"don't","start":56.24,"end":56.48,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.022313004359602928},{"word":"have","start":56.48,"end":56.56,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02358490601181984},{"word":"any","start":56.56,"end":56.96,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0277491956949234},{"word":"contributions","start":56.96,"end":57.46,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.028632108122110367},{"word":"going","start":57.6,"end":57.84,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.04827592149376869},{"word":"in","start":57.84,"end":58.08,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04239644482731819},{"word":"at","start":58.08,"end":58.32,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06756641715765},{"word":"the","start":58.32,"end":58.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05266432464122772},{"word":"moment","start":58.4,"end":58.9,"confidence":0.9628906,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.06694966554641724},{"word":"okay","start":63.92,"end":64.42,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00661645270884037},{"word":"yep","start":66.0,"end":66.405,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007379790302366018},{"word":"yep","start":76.565,"end":77.065,"confidence":0.9030762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01736937090754509},{"word":"yep","start":77.205,"end":77.705,"confidence":0.9177246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01974308304488659},{"word":"yep","start":83.7,"end":84.18,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03576195240020752},{"word":"yes","start":84.18,"end":84.58,"confidence":0.74975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0990525484085083},{"word":"perfect","start":84.58,"end":85.08,"confidence":0.9904785,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1903369426727295},{"word":"that's","start":86.899994,"end":87.299995,"confidence":0.85913086,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08036614209413528},{"word":"okay","start":87.299995,"end":87.799995,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08068007230758667},{"word":"honestly","start":87.939995,"end":88.439995,"confidence":0.99902344,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":-0.005878298543393612},{"word":"we","start":88.58,"end":88.74,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.006048060953617096},{"word":"don't","start":88.74,"end":89.06,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.045855164527893066},{"word":"judge","start":89.06,"end":89.38,"confidence":0.79589844,"punctuated_word":"judge,","sentiment":"neutral","sentiment_score":-0.09511258453130722},{"word":"and","start":89.38,"end":89.54,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09372037649154664},{"word":"life","start":89.54,"end":89.86,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.11535244435071944},{"word":"gets","start":89.86,"end":90.1,"confidence":0.9941406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.0709746778011322},{"word":"very","start":90.1,"end":90.42,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.0849323719739914},{"word":"busy","start":90.42,"end":90.82,"confidence":0.8754883,"punctuated_word":"busy,","sentiment":"neutral","sentiment_score":-0.08111760765314102},{"word":"especially","start":90.82,"end":91.299995,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.06327641010284424},{"word":"having","start":91.299995,"end":91.78,"confidence":0.9951172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.07667675614356995},{"word":"children","start":91.78,"end":92.28,"confidence":0.9914551,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":-0.043320853263139725},{"word":"alright","start":95.685,"end":96.165,"confidence":0.6010132,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.039613619446754456},{"word":"all","start":96.165,"end":96.405,"confidence":0.9819336,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.08017498254776001},{"word":"good","start":96.405,"end":96.725,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2089821696281433},{"word":"is","start":96.725,"end":96.965004,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.09406836330890656},{"word":"that","start":96.965004,"end":97.205,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13177582621574402},{"word":"something","start":97.205,"end":97.525,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.11657515168190002},{"word":"you're","start":97.525,"end":97.685,"confidence":0.99072266,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.056667085736989975},{"word":"sort","start":97.685,"end":97.845,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06560811400413513},{"word":"of","start":97.845,"end":98.005005,"confidence":0.6542969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06910615414381027},{"word":"hoping","start":98.005005,"end":98.325005,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.072261743247509},{"word":"to","start":98.325005,"end":98.485,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07812883704900742},{"word":"maybe","start":98.485,"end":98.725,"confidence":0.99121094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08313989639282227},{"word":"do","start":98.725,"end":98.965004,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.091034896671772},{"word":"over","start":98.965004,"end":99.205,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08889726549386978},{"word":"the","start":99.205,"end":99.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05772379785776138},{"word":"next","start":99.365,"end":99.685,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07196973264217377},{"word":"six","start":99.685,"end":99.925,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.05342596024274826},{"word":"months","start":99.925,"end":100.245,"confidence":0.9375,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.04963633045554161},{"word":"do","start":100.245,"end":100.325005,"confidence":0.9428711,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0111638605594635},{"word":"you","start":100.325005,"end":100.485,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016531111672520638},{"word":"feel","start":100.485,"end":100.725,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.006467465311288834},{"word":"like","start":100.725,"end":100.885,"confidence":0.9902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04080412909388542},{"word":"you","start":100.885,"end":101.045,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037182651460170746},{"word":"should","start":101.045,"end":101.285,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.060506805777549744},{"word":"be","start":101.285,"end":101.525,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03351065516471863},{"word":"yep","start":101.685,"end":102.185,"confidence":0.8771159,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.04177584871649742},{"word":"yep","start":102.245,"end":102.725,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.042501300573349},{"word":"beautiful","start":102.725,"end":103.225,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6164356470108032},{"word":"excellent","start":103.765,"end":104.265,"confidence":0.9941406,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7338438630104065},{"word":"i'll","start":104.965004,"end":105.205,"confidence":0.904541,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.587834358215332},{"word":"make","start":105.205,"end":105.54,"confidence":0.99121094,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.639924168586731},{"word":"perfect","start":106.18,"end":106.58,"confidence":0.8479004,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5982415676116943},{"word":"i'll","start":106.58,"end":106.74,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24649155139923096},{"word":"make","start":106.74,"end":106.9,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2307399660348892},{"word":"a","start":106.9,"end":106.98,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21894162893295288},{"word":"note","start":106.98,"end":107.22,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.1649504154920578},{"word":"here","start":107.22,"end":107.38,"confidence":0.9770508,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2245965301990509},{"word":"that","start":107.38,"end":107.54,"confidence":0.91503906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1811700165271759},{"word":"in","start":107.54,"end":107.7,"confidence":0.97314453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12405214458703996},{"word":"the","start":107.7,"end":107.86,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13462036848068237},{"word":"catch","start":107.86,"end":108.1,"confidence":0.99609375,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.10960789024829865},{"word":"up","start":108.1,"end":108.18,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08250874280929565},{"word":"in","start":108.18,"end":108.42,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07660681754350662},{"word":"six","start":108.42,"end":108.66,"confidence":0.9980469,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.1007826179265976},{"word":"months","start":108.66,"end":108.82,"confidence":0.74658203,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.11921309679746628},{"word":"we'll","start":108.82,"end":109.06,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16029714047908783},{"word":"reassess","start":109.06,"end":109.54,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.15436238050460815},{"word":"and","start":109.54,"end":109.7,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11021484434604643},{"word":"look","start":109.7,"end":109.86,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12178556621074677},{"word":"at","start":109.86,"end":110.020004,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14660029113292694},{"word":"what's","start":110.020004,"end":110.26,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.12454423308372498},{"word":"happening","start":110.26,"end":110.58,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.13302937150001526},{"word":"with","start":110.58,"end":110.82,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14912767708301544},{"word":"your","start":110.82,"end":111.06,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1473400741815567},{"word":"portfolio","start":111.06,"end":111.56,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09394359588623048},{"word":"there","start":111.7,"end":111.86,"confidence":0.86206055,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1080143377184868},{"word":"but","start":111.86,"end":112.020004,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12981683015823364},{"word":"we'll","start":112.020004,"end":112.18,"confidence":0.99072266,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12884925305843353},{"word":"also","start":112.18,"end":112.42,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10291212052106856},{"word":"maybe","start":112.42,"end":112.74,"confidence":0.95703125,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.12916424870491028},{"word":"re","start":112.74,"end":112.98,"confidence":0.70410156,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.1601492166519165},{"word":"revisit","start":113.22,"end":113.7,"confidence":0.99609375,"punctuated_word":"revisit","sentiment":"neutral","sentiment_score":0.1133895292878151},{"word":"the","start":113.7,"end":114.2,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1068647727370262},{"word":"the","start":114.58,"end":114.74,"confidence":0.8222656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11834672093391418},{"word":"company","start":114.74,"end":115.22,"confidence":0.99902344,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.0565047450363636},{"word":"structure","start":115.22,"end":115.7,"confidence":0.9453125,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.07938320934772491},{"word":"and","start":115.7,"end":115.94,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08137091994285583},{"word":"the","start":115.94,"end":116.1,"confidence":0.91503906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10961272567510603},{"word":"paying","start":116.1,"end":116.42,"confidence":0.9980469,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.08114592730998993},{"word":"of","start":116.42,"end":116.66,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10229741036891936},{"word":"contributions","start":116.66,"end":117.16,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.06814001500606537},{"word":"and","start":117.3,"end":117.54,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07555506378412247},{"word":"see","start":117.54,"end":117.7,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11115732789039612},{"word":"what","start":117.7,"end":117.86,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09196269512176514},{"word":"that","start":117.86,"end":118.1,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11815470457077026},{"word":"looks","start":118.1,"end":118.34,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.08087547868490219},{"word":"like","start":118.34,"end":118.5,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09334928542375565},{"word":"for","start":118.5,"end":118.74,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12905175983905792},{"word":"you","start":118.74,"end":118.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13469332456588745},{"word":"and","start":118.9,"end":119.14,"confidence":0.7626953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10341300070285796},{"word":"maybe","start":119.14,"end":119.380005,"confidence":0.9951172,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1477496325969696},{"word":"update","start":119.380005,"end":119.78,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.12954485416412354},{"word":"personal","start":119.78,"end":120.18,"confidence":0.9741211,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.10885737836360931},{"word":"advice","start":120.18,"end":120.5,"confidence":0.8730469,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14542430639266968},{"word":"to","start":120.5,"end":120.66,"confidence":0.43847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14136916399002075},{"word":"your","start":120.66,"end":120.855,"confidence":0.5493164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16027304530143738},{"word":"flex","start":120.935005,"end":121.255005,"confidence":0.6425781,"punctuated_word":"flex.","sentiment":"neutral","sentiment_score":0.13342413306236267},{"word":"does","start":121.255005,"end":121.33501,"confidence":0.9921875,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0829559788107872},{"word":"that","start":121.33501,"end":121.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11503800749778748},{"word":"sound","start":121.495,"end":121.815,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.074775829911232},{"word":"okay","start":121.815,"end":122.315,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.09884662926197052},{"word":"yeah","start":123.975006,"end":124.375,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23160256445407867},{"word":"beautiful","start":124.375,"end":124.875,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5146795511245728},{"word":"so","start":125.015,"end":125.255005,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.42502593994140625},{"word":"it","start":125.255005,"end":125.33501,"confidence":0.9580078,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4085995852947235},{"word":"sounds","start":125.33501,"end":125.65501,"confidence":0.99902344,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3754079043865204},{"word":"like","start":125.65501,"end":125.975006,"confidence":0.99316406,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3695724606513977},{"word":"with","start":125.975006,"end":126.135,"confidence":0.9223633,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3699187934398651},{"word":"your","start":126.135,"end":126.375,"confidence":0.57421875,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4245213270187378},{"word":"growing","start":126.375,"end":126.875,"confidence":0.8803711,"punctuated_word":"growing,","sentiment":"positive","sentiment_score":0.4371241331100464},{"word":"business","start":126.935005,"end":127.33501,"confidence":0.5810547,"punctuated_word":"business","sentiment":"positive","sentiment_score":0.3945542275905609},{"word":"is","start":127.33501,"end":127.575005,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35125046968460083},{"word":"going","start":127.575005,"end":127.815,"confidence":0.99609375,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4282003045082092},{"word":"quite","start":127.815,"end":128.13501,"confidence":1.0,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.36597371101379395},{"word":"well","start":128.13501,"end":128.375,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.35796302556991577},{"word":"at","start":128.375,"end":128.455,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32419154047966003},{"word":"the","start":128.455,"end":128.615,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34395188093185425},{"word":"moment","start":128.615,"end":129.115,"confidence":0.9086914,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3485269248485565},{"word":"yep","start":132.935,"end":133.435,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08346574008464813},{"word":"that's","start":133.975,"end":134.295,"confidence":0.9914551,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1412142515182495},{"word":"okay","start":134.295,"end":134.795,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11850983649492264},{"word":"last","start":135.8,"end":136.2,"confidence":0.95166016,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.05104111135005951},{"word":"estimated","start":136.2,"end":136.7,"confidence":1.0,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.07541173696517944},{"word":"income","start":136.84,"end":137.16,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.07277850806713104},{"word":"we","start":137.16,"end":137.4,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.044972293078899384},{"word":"had","start":137.4,"end":137.64,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04861392825841904},{"word":"you","start":137.64,"end":137.8,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04726387932896614},{"word":"on","start":137.8,"end":138.04,"confidence":0.9550781,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.050785742700099945},{"word":"was","start":138.04,"end":138.2,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06882268190383911},{"word":"about","start":138.2,"end":138.44,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07874322682619095},{"word":"186,000","start":138.44,"end":140.12,"confidence":0.99943036,"punctuated_word":"186,000.","sentiment":"neutral","sentiment_score":0.07209864258766174},{"word":"do","start":140.12,"end":140.36,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.044745802879333496},{"word":"you","start":140.36,"end":140.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07749056816101074},{"word":"feel","start":140.44,"end":140.6,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.0615190789103508},{"word":"like","start":140.6,"end":140.76,"confidence":0.96240234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08716617524623871},{"word":"that's","start":140.76,"end":141.08,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0887409895658493},{"word":"fairly","start":141.08,"end":141.4,"confidence":0.9892578,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.09478795528411864},{"word":"accurate","start":141.4,"end":141.8,"confidence":1.0,"punctuated_word":"accurate","sentiment":"neutral","sentiment_score":0.09790652990341188},{"word":"for","start":141.8,"end":141.88,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08730895817279816},{"word":"what","start":141.88,"end":142.12,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08944515138864517},{"word":"you","start":142.12,"end":142.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08547689020633698},{"word":"should","start":142.2,"end":142.44,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.0799802616238594},{"word":"be","start":142.44,"end":142.6,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07501963526010513},{"word":"earning","start":142.6,"end":143.0,"confidence":1.0,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.10071404278278352},{"word":"this","start":143.0,"end":143.24,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04661943018436432},{"word":"year","start":143.24,"end":143.48,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07982368022203445},{"word":"as","start":143.48,"end":143.64,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06720999628305435},{"word":"well","start":143.64,"end":143.96,"confidence":0.96240234,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.042942702770233154},{"word":"or","start":143.96,"end":144.46,"confidence":0.83447266,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.020572151988744736},{"word":"yep","start":152.615,"end":153.095,"confidence":0.97558594,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.025118930265307423},{"word":"yep","start":153.095,"end":153.495,"confidence":0.9567871,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.027379360049962997},{"word":"that's","start":153.495,"end":153.895,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0441497266292572},{"word":"okay","start":153.895,"end":154.395,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04694090783596039},{"word":"no","start":157.015,"end":157.255,"confidence":0.9902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.013507773168385029},{"word":"that's","start":157.255,"end":157.495,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0009337390656583012},{"word":"okay","start":157.495,"end":157.895,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.014621451497077942},{"word":"we","start":157.895,"end":158.055,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.043545469641685486},{"word":"can","start":158.055,"end":158.295,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.053232498466968536},{"word":"keep","start":158.295,"end":158.535,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.049001295119524},{"word":"that","start":158.535,"end":158.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09682676941156387},{"word":"as","start":158.775,"end":159.015,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0932738482952118},{"word":"it","start":159.015,"end":159.095,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06154278293251991},{"word":"is","start":159.095,"end":159.595,"confidence":0.9995117,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.0834103524684906},{"word":"yeah","start":163.20999,"end":163.70999,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012142393738031387},{"word":"that's","start":166.89,"end":167.20999,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01696597784757614},{"word":"alright","start":167.20999,"end":167.70999,"confidence":0.9921875,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.016107335686683655},{"word":"mhmm","start":171.53,"end":172.03,"confidence":0.8952637,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.02145429328083992},{"word":"okay","start":176.275,"end":176.775,"confidence":0.85791016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.041424497961997986},{"word":"yep","start":177.155,"end":177.635,"confidence":0.90063477,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07501232624053955},{"word":"perfect","start":177.635,"end":178.135,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.15881302952766418},{"word":"that's","start":182.75499,"end":183.075,"confidence":0.79003906,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07974545657634735},{"word":"alright","start":183.075,"end":183.555,"confidence":0.99609375,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.09840216487646104},{"word":"if","start":183.555,"end":183.715,"confidence":0.9941406,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06649421155452728},{"word":"you","start":183.715,"end":183.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04747350141406059},{"word":"like","start":183.795,"end":184.03499,"confidence":0.954834,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.056572481989860535},{"word":"what","start":184.03499,"end":184.19499,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06342633813619614},{"word":"we","start":184.19499,"end":184.275,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05321547016501427},{"word":"can","start":184.275,"end":184.515,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06298234313726425},{"word":"do","start":184.515,"end":184.67499,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0825435146689415},{"word":"is","start":184.67499,"end":185.155,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07345239073038101},{"word":"i","start":185.155,"end":185.31499,"confidence":0.640625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09887199848890305},{"word":"can","start":185.31499,"end":185.47499,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08867721259593964},{"word":"sorta","start":185.47499,"end":185.795,"confidence":0.8039551,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.09061220288276672},{"word":"catch","start":185.795,"end":186.03499,"confidence":0.9941406,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.05085067078471184},{"word":"up","start":186.03499,"end":186.19499,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.039250217378139496},{"word":"with","start":186.19499,"end":186.355,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05249117314815521},{"word":"you","start":186.355,"end":186.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07311755418777466},{"word":"in","start":186.515,"end":186.75499,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05404680594801903},{"word":"february","start":186.75499,"end":187.235,"confidence":0.99658203,"punctuated_word":"February.","sentiment":"neutral","sentiment_score":0.06799735128879547},{"word":"we'll","start":187.235,"end":187.39499,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.0868135541677475},{"word":"do","start":187.39499,"end":187.47499,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08671773970127106},{"word":"a","start":187.47499,"end":187.555,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07984088361263275},{"word":"bit","start":187.555,"end":187.635,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06905245780944824},{"word":"of","start":187.635,"end":187.92,"confidence":0.9199219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0822010338306427},{"word":"catch","start":188.0,"end":188.08,"confidence":0.58447266,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.053795114159584045},{"word":"up","start":188.08,"end":188.31999,"confidence":0.9133301,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.05551328510046005},{"word":"reassess","start":188.31999,"end":188.81999,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.06418943405151367},{"word":"everything","start":188.88,"end":189.38,"confidence":0.8520508,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.06559985876083374},{"word":"and","start":189.59999,"end":189.68,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.050994809716939926},{"word":"then","start":189.68,"end":189.92,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04678003489971161},{"word":"because","start":189.92,"end":190.24,"confidence":0.84106445,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.0456380695104599},{"word":"hopefully","start":190.24,"end":190.56,"confidence":1.0,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.05394809693098068},{"word":"you","start":190.56,"end":190.72,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03480846434831619},{"word":"may","start":190.72,"end":190.88,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.04463686794042587},{"word":"have","start":190.88,"end":191.04,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0394582599401474},{"word":"done","start":191.04,"end":191.2,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.0412621945142746},{"word":"your","start":191.2,"end":191.36,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02918721549212933},{"word":"tax","start":191.36,"end":191.68,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.07242493331432343},{"word":"by","start":191.68,"end":192.0,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.017312806099653244},{"word":"then","start":192.0,"end":192.5,"confidence":0.9951172,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.0411447137594223},{"word":"we","start":192.56,"end":192.72,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04166747257113457},{"word":"can","start":192.72,"end":192.88,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.034408457577228546},{"word":"have","start":192.88,"end":193.04,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07012157887220383},{"word":"a","start":193.04,"end":193.12,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07896639406681061},{"word":"look","start":193.12,"end":193.28,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.055301450192928314},{"word":"at","start":193.28,"end":193.44,"confidence":0.9770508,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06043770909309387},{"word":"what","start":193.44,"end":193.59999,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0732867419719696},{"word":"your","start":193.59999,"end":193.84,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.048135437071323395},{"word":"income","start":193.84,"end":194.34,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.050550833344459534},{"word":"was","start":194.64,"end":195.12,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03939172998070717},{"word":"and","start":195.12,"end":195.44,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05529692396521568},{"word":"see","start":195.44,"end":195.68,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06579381227493286},{"word":"if","start":195.68,"end":195.76,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.043705783784389496},{"word":"the","start":195.76,"end":195.92,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052916061133146286},{"word":"company","start":195.92,"end":196.31999,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.032904140651226044},{"word":"structure's","start":196.31999,"end":196.8,"confidence":0.72753906,"punctuated_word":"structure's","sentiment":"neutral","sentiment_score":0.03851334750652313},{"word":"changing","start":196.8,"end":197.2,"confidence":0.99121094,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.049313850700855255},{"word":"and","start":197.2,"end":197.44,"confidence":0.7626953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04616428539156914},{"word":"maybe","start":197.44,"end":197.76,"confidence":0.9980469,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.05077577754855156},{"word":"look","start":197.76,"end":197.92,"confidence":0.9291992,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06443485617637634},{"word":"at","start":197.92,"end":198.08,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054272424429655075},{"word":"what","start":198.08,"end":198.23999,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07251502573490143},{"word":"you're","start":198.23999,"end":198.4,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08440655469894409},{"word":"gonna","start":198.4,"end":198.72,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09279347956180573},{"word":"pay","start":198.72,"end":198.95999,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06772319972515106},{"word":"yourself","start":198.95999,"end":199.44,"confidence":0.9663086,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.07281804084777832},{"word":"so","start":199.44,"end":199.59999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08414153754711151},{"word":"when","start":199.59999,"end":199.84,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06921033561229706},{"word":"you","start":199.84,"end":199.92,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08895997703075409},{"word":"do","start":199.92,"end":200.16,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07661069184541702},{"word":"your","start":200.16,"end":200.31999,"confidence":0.9038086,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07859139144420624},{"word":"tax","start":200.31999,"end":200.56,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10290312767028809},{"word":"return","start":200.56,"end":200.95999,"confidence":0.9765625,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.0826403945684433},{"word":"maybe","start":200.95999,"end":201.45999,"confidence":0.9951172,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08055908977985382},{"word":"speak","start":201.655,"end":201.89499,"confidence":0.9716797,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.0637199804186821},{"word":"to","start":201.89499,"end":201.97499,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06605947017669678},{"word":"your","start":201.97499,"end":202.135,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08650176227092743},{"word":"accountant","start":202.135,"end":202.635,"confidence":0.65283203,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.08532342314720154},{"word":"about","start":202.69499,"end":203.015,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07414200156927109},{"word":"the","start":203.015,"end":203.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09618746489286424},{"word":"updating","start":203.575,"end":204.075,"confidence":0.82128906,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.0893128365278244},{"word":"of","start":204.135,"end":204.375,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09211596101522446},{"word":"your","start":204.375,"end":204.61499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08742660284042358},{"word":"business","start":204.61499,"end":205.095,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.06802984327077866},{"word":"structure","start":205.095,"end":205.595,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.07484111189842224},{"word":"and","start":205.815,"end":205.97499,"confidence":0.73583984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09109070897102356},{"word":"look","start":205.97499,"end":206.215,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10017097741365431},{"word":"at","start":206.215,"end":206.375,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09145065397024156},{"word":"sort","start":206.375,"end":206.53499,"confidence":0.9448242,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10636205971240996},{"word":"of","start":206.53499,"end":206.69499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0972953736782074},{"word":"what","start":206.69499,"end":206.935,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.105622336268425},{"word":"kinda","start":206.935,"end":207.25499,"confidence":0.5307617,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.08872552216053009},{"word":"income","start":207.25499,"end":207.575,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0886615663766861},{"word":"you","start":207.575,"end":207.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0971522405743599},{"word":"might","start":207.815,"end":208.055,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06429468840360641},{"word":"like","start":208.055,"end":208.295,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0993204414844513},{"word":"to","start":208.295,"end":208.455,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11940371990203856},{"word":"be","start":208.455,"end":208.61499,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13644097745418549},{"word":"able","start":208.61499,"end":208.73499,"confidence":0.97265625,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1369200348854065},{"word":"to","start":208.73499,"end":208.855,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17038968205451965},{"word":"pay","start":208.855,"end":209.095,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.11619892716407776},{"word":"yourself","start":209.095,"end":209.595,"confidence":0.9970703,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.12937210500240326},{"word":"each","start":209.655,"end":209.97499,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.12093321979045868},{"word":"year","start":209.97499,"end":210.215,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.13160231709480286},{"word":"based","start":210.215,"end":210.53499,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.17784002423286438},{"word":"on","start":210.53499,"end":210.69499,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15351706743240356},{"word":"that","start":210.69499,"end":210.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.179276704788208},{"word":"because","start":210.855,"end":211.25499,"confidence":0.59472656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17066247761249542},{"word":"that","start":211.25499,"end":211.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2628254294395447},{"word":"will","start":211.415,"end":211.655,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.24465081095695496},{"word":"certainly","start":211.655,"end":212.055,"confidence":1.0,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.2354053258895874},{"word":"factor","start":212.055,"end":212.455,"confidence":0.9667969,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.21099349856376648},{"word":"in","start":212.455,"end":212.955,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.195095956325531},{"word":"the","start":213.015,"end":213.25499,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22595906257629397},{"word":"contributions","start":213.25499,"end":213.75499,"confidence":0.9892578,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.15084697306156158},{"word":"that","start":213.89499,"end":214.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2388249784708023},{"word":"you'll","start":214.055,"end":214.215,"confidence":0.8330078,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.18033704161643985},{"word":"be","start":214.215,"end":214.375,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1596314162015915},{"word":"paying","start":214.375,"end":214.61499,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.14821510016918182},{"word":"into","start":214.61499,"end":214.935,"confidence":0.63134766,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13065828382968905},{"word":"super","start":214.935,"end":215.33499,"confidence":0.89453125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18156930804252625},{"word":"as","start":215.33499,"end":215.495,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17497043311595917},{"word":"well","start":215.495,"end":215.655,"confidence":0.74108887,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.20858600735664368},{"word":"if","start":215.655,"end":215.815,"confidence":0.88671875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1732746809720993},{"word":"that","start":215.815,"end":216.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14967738091945648},{"word":"makes","start":216.055,"end":216.295,"confidence":0.7680664,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.1042305752635002},{"word":"sense","start":216.295,"end":216.69,"confidence":0.9785156,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.07323412597179413},{"word":"yeah","start":218.61,"end":219.11,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2820722758769989},{"word":"fantastic","start":219.17,"end":219.67,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5591815710067749},{"word":"excellent","start":220.05,"end":220.55,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.48867231607437134},{"word":"and","start":220.69,"end":220.93001,"confidence":0.86328125,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3544858396053314},{"word":"you're","start":220.93001,"end":221.05,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3450239300727844},{"word":"a","start":221.05,"end":221.17,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28831976652145386},{"word":"builder","start":221.17,"end":221.57,"confidence":0.98095703,"punctuated_word":"builder","sentiment":"neutral","sentiment_score":0.29348164796829224},{"word":"by","start":221.57,"end":221.81,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.251289427280426},{"word":"trade","start":221.81,"end":222.13,"confidence":0.98950195,"punctuated_word":"trade.","sentiment":"neutral","sentiment_score":0.12565258145332336},{"word":"is","start":222.13,"end":222.29001,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.01930594258010387},{"word":"that","start":222.29001,"end":222.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025550657883286476},{"word":"right","start":222.53,"end":223.03,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.035165153443813324},{"word":"yeah","start":224.69,"end":225.19,"confidence":0.7705078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26868289709091187},{"word":"beautiful","start":225.25,"end":225.75,"confidence":0.9970703,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6999683380126953},{"word":"excellent","start":226.61,"end":227.09,"confidence":0.7573242,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.721143901348114},{"word":"and","start":227.09,"end":227.25,"confidence":0.9980469,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5908644795417786},{"word":"work","start":227.25,"end":227.49,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.49365153908729553},{"word":"is","start":227.49,"end":227.65001,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6050963997840881},{"word":"picking","start":227.65001,"end":228.05,"confidence":0.98535156,"punctuated_word":"picking","sentiment":"positive","sentiment_score":0.6048514246940613},{"word":"up","start":228.05,"end":228.21,"confidence":0.99121094,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6488710641860962},{"word":"nicely","start":228.21,"end":228.71,"confidence":0.99853516,"punctuated_word":"nicely.","sentiment":"positive","sentiment_score":0.5371299386024475},{"word":"what","start":228.77,"end":229.01001,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07895621657371521},{"word":"kinda","start":229.01001,"end":229.33,"confidence":0.6328125,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.06742419302463531},{"word":"hours","start":229.33,"end":229.73,"confidence":0.99902344,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.03979181498289108},{"word":"do","start":229.73,"end":229.97,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.022562632337212563},{"word":"you","start":229.97,"end":230.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.041330911219120026},{"word":"work","start":230.13,"end":230.45,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.04241268336772919},{"word":"on","start":230.45,"end":230.69,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04979296028614044},{"word":"a","start":230.69,"end":230.85,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08802787959575653},{"word":"regular","start":230.85,"end":231.35,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.06017042323946953},{"word":"average","start":231.635,"end":232.03499,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.05829549580812454},{"word":"week","start":232.03499,"end":232.275,"confidence":0.7258301,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.09109371155500412},{"word":"do","start":232.275,"end":232.515,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06727560609579086},{"word":"you","start":232.515,"end":232.59499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11205168813467026},{"word":"think","start":232.59499,"end":233.09499,"confidence":1.0,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":0.09472978115081788},{"word":"yeah","start":235.715,"end":236.215,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026033667847514153},{"word":"yeah","start":239.47499,"end":239.875,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03767254203557968},{"word":"wow","start":239.875,"end":240.275,"confidence":0.9951172,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.06172316521406174},{"word":"and","start":240.275,"end":240.435,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.015348688699305058},{"word":"is","start":240.435,"end":240.67499,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00633117463439703},{"word":"it","start":240.67499,"end":240.75499,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016715366393327713},{"word":"just","start":240.75499,"end":241.075,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01553723495453596},{"word":"you","start":241.075,"end":241.23499,"confidence":0.83569336,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.010490098968148232},{"word":"or","start":241.23499,"end":241.39499,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.001787753775715828},{"word":"do","start":241.39499,"end":241.555,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0019300784915685656},{"word":"you","start":241.555,"end":241.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0088109839707613},{"word":"have","start":241.715,"end":241.95499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009164709597826004},{"word":"others","start":241.95499,"end":242.275,"confidence":0.99902344,"punctuated_word":"others","sentiment":"neutral","sentiment_score":0.013761749491095545},{"word":"working","start":242.275,"end":242.67499,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.008576429449021816},{"word":"with","start":242.67499,"end":242.83499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01075065601617098},{"word":"you","start":242.83499,"end":243.155,"confidence":0.7919922,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.022266987711191177},{"word":"apprentices","start":243.155,"end":243.635,"confidence":0.9980469,"punctuated_word":"apprentices","sentiment":"neutral","sentiment_score":0.020515402778983116},{"word":"and","start":243.635,"end":243.875,"confidence":0.5385742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012714753858745098},{"word":"people","start":243.875,"end":244.11499,"confidence":0.9970703,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.025367049500346184},{"word":"that","start":244.11499,"end":244.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018457360565662384},{"word":"you","start":244.355,"end":244.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019428173080086708},{"word":"maybe","start":244.515,"end":244.75499,"confidence":0.90722656,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.019518529996275905},{"word":"contract","start":244.75499,"end":245.25499,"confidence":0.99316406,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":0.010165013372898102},{"word":"out","start":245.31499,"end":245.64,"confidence":0.99365234,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.0008025323040783405},{"word":"only","start":248.12,"end":248.36,"confidence":0.90771484,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":-0.016970016062259674},{"word":"an","start":248.36,"end":248.52,"confidence":0.9194336,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.00027804262936115265},{"word":"apprentice","start":248.52,"end":248.92,"confidence":0.9265137,"punctuated_word":"apprentice.","sentiment":"neutral","sentiment_score":0.008667468093335629},{"word":"yeah","start":248.92,"end":249.31999,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0714959129691124},{"word":"perfect","start":249.31999,"end":249.81999,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29101815819740295},{"word":"and","start":249.88,"end":250.12,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06809309870004654},{"word":"when","start":250.12,"end":250.36,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06152284890413284},{"word":"you","start":250.36,"end":250.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06962335854768753},{"word":"kind","start":250.44,"end":250.68,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06894973665475845},{"word":"of","start":250.68,"end":250.76,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08158402889966965},{"word":"update","start":250.76,"end":251.08,"confidence":0.9970703,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09740185737609865},{"word":"the","start":251.08,"end":251.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04520847648382187},{"word":"business","start":251.24,"end":251.64,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.029218224808573723},{"word":"structure","start":251.64,"end":251.95999,"confidence":0.9797363,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":0.04324692487716675},{"word":"you're","start":251.95999,"end":252.12,"confidence":0.66625977,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04800977557897568},{"word":"sort","start":252.12,"end":252.36,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07302958518266678},{"word":"of","start":252.36,"end":252.52,"confidence":0.6328125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03701654076576233},{"word":"hoping","start":252.52,"end":252.84,"confidence":0.9980469,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.03564010187983513},{"word":"to","start":252.84,"end":252.92,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05137494578957558},{"word":"take","start":252.92,"end":253.16,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.05978315323591232},{"word":"on","start":253.16,"end":253.31999,"confidence":0.94384766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08519536256790161},{"word":"more","start":253.31999,"end":253.48,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05338266119360924},{"word":"in","start":253.48,"end":253.64,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08183702081441879},{"word":"the","start":253.64,"end":253.72,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05974968895316124},{"word":"way","start":253.72,"end":253.95999,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08180975914001465},{"word":"of","start":253.95999,"end":254.12,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09613648802042007},{"word":"employees","start":254.12,"end":254.62,"confidence":0.99609375,"punctuated_word":"employees","sentiment":"neutral","sentiment_score":0.04582545906305313},{"word":"and","start":254.68,"end":254.92,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03562893718481064},{"word":"apprentices","start":254.92,"end":255.42,"confidence":0.96972656,"punctuated_word":"apprentices","sentiment":"neutral","sentiment_score":0.03874237835407257},{"word":"to","start":255.48,"end":255.72,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05499017611145973},{"word":"kind","start":255.72,"end":255.95999,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06479329615831375},{"word":"of","start":255.95999,"end":256.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037646666169166565},{"word":"alleviate","start":256.44,"end":256.94,"confidence":1.0,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":0.0467740036547184},{"word":"the","start":257.0,"end":257.24,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05956728756427765},{"word":"the","start":257.24,"end":257.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04661939665675163},{"word":"workload","start":257.4,"end":257.88,"confidence":0.9135742,"punctuated_word":"workload","sentiment":"neutral","sentiment_score":0.03906042501330376},{"word":"on","start":257.88,"end":258.04,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.035504311323165894},{"word":"your","start":258.04,"end":258.2,"confidence":0.5571289,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.040648531168699265},{"word":"sales","start":258.2,"end":258.6,"confidence":0.55859375,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.026530809700489044},{"word":"or","start":258.6,"end":259.095,"confidence":0.53796387,"punctuated_word":"or?","sentiment":"neutral","sentiment_score":0.02312689833343029},{"word":"yeah","start":262.855,"end":263.355,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.098673976957798},{"word":"perfect","start":264.935,"end":265.415,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.37299615144729614},{"word":"beautiful","start":265.415,"end":265.915,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.49674686789512634},{"word":"excellent","start":266.215,"end":266.715,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4556736350059509},{"word":"good","start":267.255,"end":267.575,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3747425973415375},{"word":"to","start":267.575,"end":267.735,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4194323122501374},{"word":"see","start":267.735,"end":268.235,"confidence":0.99902344,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.24361541867256165},{"word":"excellent","start":269.495,"end":269.995,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.32997798919677734},{"word":"the","start":271.095,"end":271.255,"confidence":0.7524414,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06741964817047119},{"word":"next","start":271.255,"end":271.65,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05601080134510994},{"word":"document","start":271.81,"end":272.13,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07388128340244293},{"word":"you'll","start":272.13,"end":272.37,"confidence":0.9941406,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05267433449625969},{"word":"have","start":272.37,"end":272.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03704362362623215},{"word":"in","start":272.61,"end":272.77,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06338772922754288},{"word":"that","start":272.77,"end":273.00998,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08601716160774231},{"word":"email","start":273.00998,"end":273.33,"confidence":0.9057617,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.09562761336565018},{"word":"if","start":273.33,"end":273.49,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08832605928182602},{"word":"you","start":273.49,"end":273.72998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06977050751447678},{"word":"are","start":273.72998,"end":273.88998,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07110285013914108},{"word":"able","start":273.88998,"end":274.21,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0881509929895401},{"word":"to","start":274.21,"end":274.29,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11014817655086516},{"word":"look","start":274.29,"end":274.53,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12358477711677553},{"word":"at","start":274.53,"end":274.69,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10594262182712556},{"word":"it","start":274.69,"end":274.77,"confidence":0.7890625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1259656548500061},{"word":"there","start":274.77,"end":275.09,"confidence":0.76171875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0965024009346962},{"word":"is","start":275.09,"end":275.49,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07059106230735779},{"word":"the","start":275.49,"end":275.88998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07914052158594131},{"word":"asset","start":275.88998,"end":276.37,"confidence":0.9760742,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.08337676525115967},{"word":"performance","start":276.37,"end":276.87,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.04728507623076439},{"word":"detail","start":276.93,"end":277.33,"confidence":0.93359375,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.09662491083145142},{"word":"report","start":277.33,"end":277.72998,"confidence":0.9926758,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.053244661539793015},{"word":"so","start":277.72998,"end":277.97,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013522323220968246},{"word":"it","start":277.97,"end":278.05,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.024495165795087814},{"word":"does","start":278.05,"end":278.37,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.038376662880182266},{"word":"show","start":278.37,"end":278.61,"confidence":0.91748047,"punctuated_word":"show,","sentiment":"neutral","sentiment_score":0.008198633790016174},{"word":"obviously","start":278.61,"end":278.93,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.020061729475855827},{"word":"that","start":278.93,"end":279.16998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00814724713563919},{"word":"we've","start":279.16998,"end":279.33,"confidence":0.97387695,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.00003469735383987427},{"word":"gone","start":279.33,"end":279.57,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.008687939494848251},{"word":"through","start":279.57,"end":279.88998,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0005099289119243622},{"word":"that","start":279.88998,"end":280.21,"confidence":0.82006836,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.005887845531105995},{"word":"your","start":280.21,"end":280.53,"confidence":0.97998047,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.13505183160305023},{"word":"performance","start":280.53,"end":281.00998,"confidence":0.98291016,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.17967887222766876},{"word":"for","start":281.00998,"end":281.09,"confidence":0.66015625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2015952467918396},{"word":"this","start":281.09,"end":281.33,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.16017872095108032},{"word":"year","start":281.33,"end":281.57,"confidence":0.9614258,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.12845636904239657},{"word":"is","start":281.57,"end":281.72998,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15920878946781158},{"word":"sort","start":281.72998,"end":281.97,"confidence":0.9707031,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.14119255542755127},{"word":"of","start":281.97,"end":282.13,"confidence":0.96240234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14848777651786804},{"word":"sitting","start":282.13,"end":282.37,"confidence":0.9951172,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.06766505539417267},{"word":"at","start":282.37,"end":282.53,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09533315896987916},{"word":"a","start":282.53,"end":282.61,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11999624967575072},{"word":"negative","start":282.61,"end":283.00998,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.0958615094423294},{"word":"1.65%","start":283.00998,"end":284.53,"confidence":0.94799805,"punctuated_word":"1.65%.","sentiment":"neutral","sentiment_score":-0.10488228499889374},{"word":"that's","start":284.53,"end":284.77,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09600480645895004},{"word":"for","start":284.77,"end":284.93,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10118235647678377},{"word":"the","start":284.93,"end":285.09,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07974822074174881},{"word":"last","start":285.09,"end":285.33,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06794699281454086},{"word":"twelve","start":285.33,"end":285.72998,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.09387437999248505},{"word":"months","start":285.72998,"end":286.22998,"confidence":0.921875,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.06374942511320114},{"word":"but","start":286.54498,"end":286.705,"confidence":0.9716797,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02557578682899475},{"word":"when","start":286.705,"end":286.865,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05133391171693802},{"word":"i","start":286.865,"end":287.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028701359406113625},{"word":"kinda","start":287.025,"end":287.345,"confidence":0.97802734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.0016328878700733185},{"word":"look","start":287.345,"end":287.66498,"confidence":0.97509766,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.009871400892734528},{"word":"at","start":287.66498,"end":287.82498,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.013321828097105026},{"word":"the","start":287.82498,"end":287.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007358472794294357},{"word":"last","start":287.985,"end":288.485,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.012656204402446749},{"word":"three","start":288.865,"end":289.10498,"confidence":0.96533203,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.007314626127481461},{"word":"months","start":289.10498,"end":289.505,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.0005476139485836029},{"word":"from","start":289.505,"end":289.745,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.001887671649456024},{"word":"when","start":289.745,"end":289.905,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0033404678106307983},{"word":"we","start":289.905,"end":290.065,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011731304228305817},{"word":"made","start":290.065,"end":290.305,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.015962369740009308},{"word":"the","start":290.305,"end":290.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005992189049720764},{"word":"change","start":290.465,"end":290.785,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.02280395105481148},{"word":"from","start":290.785,"end":290.945,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.004725772887468338},{"word":"the","start":290.945,"end":291.10498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0064824968576431274},{"word":"bennelong","start":291.10498,"end":291.585,"confidence":0.6710205,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.004125114530324936},{"word":"investment","start":291.585,"end":292.085,"confidence":0.80908203,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.005483109503984451},{"word":"to","start":292.145,"end":292.305,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021871887147426605},{"word":"the","start":292.305,"end":292.465,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02508591115474701},{"word":"australian","start":292.465,"end":292.965,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.03609808534383774},{"word":"200","start":293.025,"end":293.685,"confidence":0.998291,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.02926650457084179},{"word":"we","start":293.82498,"end":294.065,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.035192281007766724},{"word":"have","start":294.065,"end":294.225,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03015514835715294},{"word":"seen","start":294.225,"end":294.465,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.04467209428548813},{"word":"that","start":294.465,"end":294.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011189945042133331},{"word":"recovery","start":294.625,"end":295.125,"confidence":1.0,"punctuated_word":"recovery","sentiment":"neutral","sentiment_score":0.04068273305892944},{"word":"point","start":295.185,"end":295.425,"confidence":0.86621094,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.02635255828499794},{"word":"and","start":295.425,"end":295.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0468158945441246},{"word":"it","start":295.585,"end":295.66498,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04572508484125137},{"word":"has","start":295.66498,"end":295.985,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03436452895402908},{"word":"recovered","start":295.985,"end":296.38498,"confidence":0.99609375,"punctuated_word":"recovered","sentiment":"neutral","sentiment_score":0.06296168267726898},{"word":"back","start":296.38498,"end":296.625,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03955350071191788},{"word":"by","start":296.625,"end":296.785,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04349713027477264},{"word":"about","start":296.785,"end":297.10498,"confidence":0.9428711,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.026624493300914764},{"word":"6%","start":297.10498,"end":297.905,"confidence":0.9980469,"punctuated_word":"6%.","sentiment":"neutral","sentiment_score":0.045293621718883514},{"word":"so","start":297.905,"end":298.225,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03375490754842758},{"word":"i","start":298.225,"end":298.32,"confidence":0.86621094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02884809300303459},{"word":"just","start":298.4,"end":298.56,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03119036555290222},{"word":"wanna","start":298.56,"end":298.80002,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04065016284584999},{"word":"keep","start":298.80002,"end":299.28,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03051828220486641},{"word":"reviewing","start":299.28,"end":299.68,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.011971313506364822},{"word":"that","start":299.68,"end":300.0,"confidence":0.86816406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.016350621357560158},{"word":"making","start":300.0,"end":300.24002,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04827209934592247},{"word":"sure","start":300.24002,"end":300.48,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06181062385439873},{"word":"that","start":300.48,"end":300.72,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05775421857833862},{"word":"it","start":300.72,"end":300.96002,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011510714888572691},{"word":"is","start":300.96002,"end":301.28,"confidence":0.6166992,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02562502771615982},{"word":"recovering","start":301.28,"end":301.78,"confidence":0.9970703,"punctuated_word":"recovering","sentiment":"neutral","sentiment_score":0.061315394937992096},{"word":"back","start":301.84,"end":302.16,"confidence":0.94140625,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.003373611718416214},{"word":"and","start":302.16,"end":302.4,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0233530905097723},{"word":"if","start":302.4,"end":302.56,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0349576473236084},{"word":"we","start":302.56,"end":302.72,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.031638648360967636},{"word":"don't","start":302.72,"end":303.04,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03012610040605068},{"word":"see","start":303.04,"end":303.2,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.022911354899406433},{"word":"any","start":303.2,"end":303.7,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03736087679862976},{"word":"additional","start":303.84,"end":304.32,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.046122968196868896},{"word":"growth","start":304.32,"end":304.64,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.01816006377339363},{"word":"over","start":304.64,"end":304.88,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.03942634165287018},{"word":"the","start":304.88,"end":304.96002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02399127557873726},{"word":"next","start":304.96002,"end":305.28,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.016093149781227112},{"word":"six","start":305.28,"end":305.52002,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.016356226056814194},{"word":"months","start":305.52002,"end":305.76,"confidence":0.9980469,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.009310828521847723},{"word":"we","start":305.76,"end":305.92,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01015682891011238},{"word":"maybe","start":305.92,"end":306.24002,"confidence":0.78466797,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0034269802272319794},{"word":"look","start":306.24002,"end":306.4,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.006327509880065918},{"word":"at","start":306.4,"end":306.56,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0059329792857170105},{"word":"swapping","start":306.56,"end":306.88,"confidence":0.9980469,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.023015571758151054},{"word":"the","start":306.88,"end":307.04,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003806822001934051},{"word":"investment","start":307.04,"end":307.54,"confidence":0.87158203,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.007241375744342804},{"word":"again","start":307.6,"end":308.1,"confidence":0.9760742,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.02892899140715599},{"word":"and","start":308.32,"end":308.56,"confidence":0.7558594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019960395991802216},{"word":"maybe","start":308.56,"end":308.88,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.032192960381507874},{"word":"look","start":308.88,"end":309.04,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02586754411458969},{"word":"at","start":309.04,"end":309.28,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025103818625211716},{"word":"contributions","start":309.28,"end":309.78,"confidence":0.9970703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.05675056204199791},{"word":"down","start":309.92,"end":310.16,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.058869317173957825},{"word":"the","start":310.16,"end":310.32,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07386642694473267},{"word":"track","start":310.32,"end":310.56,"confidence":0.98535156,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.08034259080886841},{"word":"to","start":310.56,"end":310.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08079436421394348},{"word":"help","start":310.64,"end":310.88,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.11343509703874588},{"word":"you","start":310.88,"end":311.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08907076716423035},{"word":"along","start":311.12,"end":311.62,"confidence":0.9995117,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.05181337893009186},{"word":"okay","start":311.76,"end":312.26,"confidence":0.9543457,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.017153434455394745},{"word":"to","start":313.845,"end":314.08502,"confidence":0.96777344,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.007315928116440773},{"word":"kinda","start":314.08502,"end":314.48502,"confidence":0.9873047,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.01806124486029148},{"word":"show","start":314.48502,"end":314.64502,"confidence":0.9980469,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.005382709205150604},{"word":"you","start":314.64502,"end":314.885,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015701405704021454},{"word":"where","start":314.885,"end":315.125,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.014862902462482452},{"word":"you're","start":315.125,"end":315.36502,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02168203704059124},{"word":"at","start":315.36502,"end":315.685,"confidence":0.89990234,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.033031173050403595},{"word":"so","start":315.685,"end":315.92502,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02717499248683453},{"word":"having","start":315.92502,"end":316.24503,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.02576330676674843},{"word":"a","start":316.24503,"end":316.405,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02575960010290146},{"word":"look","start":316.405,"end":316.725,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.017999514937400818},{"word":"at","start":316.725,"end":316.885,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017354965209960938},{"word":"your","start":316.885,"end":317.285,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01659431681036949},{"word":"circumstances","start":317.285,"end":317.785,"confidence":0.77856445,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":0.028963904827833176},{"word":"now","start":318.08502,"end":318.405,"confidence":0.9970703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.012859158217906952},{"word":"you're","start":318.405,"end":318.48502,"confidence":0.9694824,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.013175170868635178},{"word":"i","start":318.64502,"end":318.725,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01367032527923584},{"word":"mean","start":318.725,"end":318.965,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.019424034282565117},{"word":"you're","start":318.965,"end":319.20502,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.006773653440177441},{"word":"so","start":319.20502,"end":319.445,"confidence":0.97998047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.009429238736629486},{"word":"young","start":319.445,"end":319.92502,"confidence":0.9555664,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":0.006813332438468933},{"word":"are","start":319.92502,"end":320.165,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.0012975651770830154},{"word":"you","start":320.165,"end":320.325,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004612848162651062},{"word":"sorta","start":320.325,"end":320.64502,"confidence":0.7246094,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.010444293729960918},{"word":"hoping","start":320.64502,"end":321.045,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.0055002328008413315},{"word":"to","start":321.045,"end":321.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010012928396463394},{"word":"be","start":321.125,"end":321.285,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015149954706430435},{"word":"able","start":321.285,"end":321.52502,"confidence":0.8676758,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.02538543939590454},{"word":"to","start":321.52502,"end":321.605,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025936055928468704},{"word":"access","start":321.605,"end":322.005,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.04145191982388496},{"word":"super","start":322.005,"end":322.325,"confidence":0.51123047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0696464255452156},{"word":"at","start":322.325,"end":322.48502,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.026173921301960945},{"word":"around","start":322.48502,"end":322.80502,"confidence":0.9716797,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03643299639225006},{"word":"about","start":322.80502,"end":323.045,"confidence":0.8339844,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.025415288284420967},{"word":"age","start":323.045,"end":323.36502,"confidence":0.9658203,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.01990206353366375},{"word":"60","start":323.36502,"end":323.685,"confidence":0.79003906,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.026381827890872955},{"word":"or","start":323.685,"end":323.845,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.021323464810848236},{"word":"what's","start":323.845,"end":324.08502,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.0209660604596138},{"word":"your","start":324.08502,"end":324.325,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01602274924516678},{"word":"kinda","start":324.325,"end":324.64502,"confidence":0.85595703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.026642533019185063},{"word":"goal","start":324.64502,"end":324.885,"confidence":0.9921875,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.017758924514055252},{"word":"age","start":324.885,"end":325.125,"confidence":0.9291992,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.04523004963994026},{"word":"of","start":325.125,"end":325.36502,"confidence":0.6503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.036654502153396606},{"word":"being","start":325.36502,"end":325.605,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.03801194205880165},{"word":"able","start":325.605,"end":325.845,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.04824553430080414},{"word":"to","start":325.845,"end":326.005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051715269684791565},{"word":"retire","start":326.005,"end":326.48502,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.05793438106775284},{"word":"down","start":326.48502,"end":326.725,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.041251301765441895},{"word":"the","start":326.725,"end":326.885,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.036247462034225464},{"word":"track","start":326.885,"end":327.385,"confidence":0.99902344,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.02090541645884514},{"word":"yep","start":331.38,"end":331.78,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03272904083132744},{"word":"yep","start":331.78,"end":332.26,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03926203772425651},{"word":"that's","start":332.26,"end":332.58,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.061904918402433395},{"word":"okay","start":332.58,"end":333.08,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0649869292974472},{"word":"and","start":334.26,"end":334.5,"confidence":0.6171875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.030429020524024963},{"word":"have","start":334.5,"end":334.66,"confidence":0.91845703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017182929441332817},{"word":"you","start":334.66,"end":334.74,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020655479282140732},{"word":"looked","start":334.74,"end":334.86,"confidence":0.89208984,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.017204690724611282},{"word":"now","start":334.98,"end":335.13998,"confidence":0.7895508,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.021031921729445457},{"word":"you've","start":335.13998,"end":335.3,"confidence":0.9675293,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.020512660965323448},{"word":"just","start":335.3,"end":335.54,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026059335097670555},{"word":"turned","start":335.54,"end":335.78,"confidence":0.9970703,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":0.04284783825278282},{"word":"44","start":335.78,"end":336.41998,"confidence":1.0,"punctuated_word":"44","sentiment":"neutral","sentiment_score":0.044097691774368286},{"word":"there","start":336.41998,"end":336.66,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.032461319118738174},{"word":"as","start":336.66,"end":336.82,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04230701923370361},{"word":"well","start":336.82,"end":337.06,"confidence":0.984375,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.031838931143283844},{"word":"haven't","start":337.06,"end":337.38,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.013211066834628582},{"word":"you","start":337.38,"end":337.88,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.015433384105563164},{"word":"happy","start":338.26,"end":338.66,"confidence":0.99902344,"punctuated_word":"Happy","sentiment":"neutral","sentiment_score":0.10032495856285097},{"word":"birthday","start":338.66,"end":339.16,"confidence":0.9831543,"punctuated_word":"birthday.","sentiment":"neutral","sentiment_score":0.04349396750330925},{"word":"don't","start":340.02,"end":340.34,"confidence":0.9980469,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.0015590924303978682},{"word":"worry","start":340.34,"end":340.84,"confidence":1.0,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.05389322340488434},{"word":"that's","start":341.375,"end":341.535,"confidence":0.9655762,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07066157460212708},{"word":"right","start":341.535,"end":341.85498,"confidence":0.66015625,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.006586638744920492},{"word":"i'm","start":341.85498,"end":342.095,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05602779984474182},{"word":"41","start":342.095,"end":342.735,"confidence":0.9555664,"punctuated_word":"41,","sentiment":"neutral","sentiment_score":0.07787714153528214},{"word":"so","start":342.735,"end":342.895,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02858693152666092},{"word":"don't","start":342.895,"end":343.13498,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.015985049307346344},{"word":"feel","start":343.13498,"end":343.455,"confidence":0.97314453,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.10922013223171234},{"word":"too","start":343.455,"end":343.615,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.026445522904396057},{"word":"bad","start":343.615,"end":343.85498,"confidence":0.9238281,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.00633365660905838},{"word":"i","start":343.85498,"end":344.01498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1839229017496109},{"word":"promise","start":344.01498,"end":344.51498,"confidence":0.9970703,"punctuated_word":"promise.","sentiment":"neutral","sentiment_score":0.2037162184715271},{"word":"they","start":346.495,"end":346.735,"confidence":0.8017578,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.45364347100257874},{"word":"they","start":346.735,"end":346.975,"confidence":0.98291016,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3942345380783081},{"word":"say","start":346.975,"end":347.215,"confidence":0.9941406,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.3908320963382721},{"word":"our","start":347.215,"end":347.375,"confidence":0.98095703,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4238629937171936},{"word":"forties","start":347.375,"end":347.775,"confidence":0.8352051,"punctuated_word":"forties","sentiment":"positive","sentiment_score":0.4320235848426819},{"word":"are","start":347.775,"end":347.85498,"confidence":0.7709961,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3713641464710235},{"word":"the","start":347.85498,"end":348.095,"confidence":0.98535156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4583871066570282},{"word":"are","start":348.095,"end":348.255,"confidence":0.89501953,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.41110458970069885},{"word":"the","start":348.255,"end":348.335,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47661539912223816},{"word":"best","start":348.335,"end":348.57498,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4344433546066284},{"word":"time","start":348.57498,"end":348.735,"confidence":0.9951172,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5605335235595703},{"word":"of","start":348.735,"end":348.895,"confidence":0.9580078,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4575435519218445},{"word":"our","start":348.895,"end":349.055,"confidence":0.9951172,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4189570546150207},{"word":"life","start":349.055,"end":349.375,"confidence":0.767334,"punctuated_word":"life,","sentiment":"positive","sentiment_score":0.4059722423553467},{"word":"so","start":349.375,"end":349.535,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2897895872592926},{"word":"i'm","start":349.535,"end":349.695,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3466580808162689},{"word":"taking","start":349.695,"end":350.01498,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.3773773908615112},{"word":"that","start":350.01498,"end":350.255,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31509798765182495},{"word":"on","start":350.255,"end":350.41498,"confidence":0.75927734,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2516496181488037},{"word":"board","start":350.41498,"end":350.91498,"confidence":0.99902344,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.29731595516204834},{"word":"yeah","start":353.535,"end":354.035,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21521428227424624},{"word":"so","start":354.66,"end":354.82,"confidence":0.86083984,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11387331038713457},{"word":"realistically","start":354.82,"end":355.32,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.09055732935667038},{"word":"having","start":355.62,"end":355.78,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09763187915086746},{"word":"a","start":355.78,"end":355.94,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09887915104627608},{"word":"look","start":355.94,"end":356.1,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10118063539266586},{"word":"at","start":356.1,"end":356.25998,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14463409781455994},{"word":"your","start":356.25998,"end":356.5,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1012297049164772},{"word":"balance","start":356.5,"end":356.82,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.09115295857191086},{"word":"there","start":356.82,"end":357.06,"confidence":0.96240234,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08276631683111191},{"word":"the","start":357.06,"end":357.3,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0909513384103775},{"word":"average","start":357.3,"end":357.62,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.1093263030052185},{"word":"super","start":357.62,"end":357.94,"confidence":0.93847656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14129739999771118},{"word":"balance","start":357.94,"end":358.25998,"confidence":0.9370117,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08780571818351746},{"word":"for","start":358.25998,"end":358.41998,"confidence":0.4802246,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05635920166969299},{"word":"someone","start":358.41998,"end":358.66,"confidence":0.984375,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.08072040975093842},{"word":"of","start":358.66,"end":358.82,"confidence":0.44018555,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06122920662164688},{"word":"your","start":358.82,"end":359.06,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07023310661315918},{"word":"age","start":359.06,"end":359.3,"confidence":0.65234375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.07851633429527283},{"word":"and","start":359.3,"end":359.46,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0646146833896637},{"word":"stage","start":359.46,"end":359.78,"confidence":0.67529297,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.06805185973644257},{"word":"is","start":359.78,"end":359.94,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1006481945514679},{"word":"around","start":359.94,"end":360.25998,"confidence":0.99316406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10924626886844636},{"word":"about","start":360.25998,"end":360.5,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08610017597675323},{"word":"a","start":360.5,"end":360.66,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08596464991569519},{"word":"140,680","start":360.66,"end":363.06,"confidence":0.9991455,"punctuated_word":"140,680","sentiment":"neutral","sentiment_score":0.08041246235370636},{"word":"there","start":363.06,"end":363.3,"confidence":0.9916992,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0547783263027668},{"word":"so","start":363.3,"end":363.53998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058696139603853226},{"word":"with","start":363.53998,"end":363.69998,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0881119817495346},{"word":"your","start":363.69998,"end":364.02,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12894679605960846},{"word":"super","start":364.02,"end":364.41998,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1259998381137848},{"word":"balance","start":364.41998,"end":364.82,"confidence":0.9279785,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.08282963931560516},{"word":"so","start":364.82,"end":364.97998,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.053487278521060944},{"word":"where","start":364.97998,"end":365.22,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.052937984466552734},{"word":"it","start":365.22,"end":365.38,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07572535425424576},{"word":"is","start":365.38,"end":365.46,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06293374300003052},{"word":"sitting","start":365.46,"end":365.78,"confidence":0.9453125,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.059113308787345886},{"word":"at","start":365.78,"end":365.94,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06996510922908783},{"word":"the","start":365.94,"end":366.1,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08162082731723785},{"word":"moment","start":366.1,"end":366.6,"confidence":0.77905273,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08533231914043427},{"word":"i","start":366.9,"end":366.97998,"confidence":0.9091797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.059005849063396454},{"word":"just","start":366.97998,"end":367.13998,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04393406957387924},{"word":"need","start":367.13998,"end":367.3,"confidence":0.96435547,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.039741069078445435},{"word":"to","start":367.3,"end":367.38,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043538898229599},{"word":"go","start":367.38,"end":367.53998,"confidence":0.7866211,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.03707226365804672},{"word":"back","start":367.53998,"end":367.78,"confidence":0.9951172,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.058713026344776154},{"word":"to","start":367.78,"end":367.86,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05013936758041382},{"word":"the","start":367.86,"end":367.94,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024195099249482155},{"word":"right","start":367.94,"end":368.1,"confidence":0.9980469,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.06564105302095413},{"word":"document","start":368.1,"end":368.6,"confidence":0.8327637,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.024952061474323273},{"word":"we're","start":368.82498,"end":368.905,"confidence":0.9543457,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.03351350873708725},{"word":"sitting","start":368.905,"end":369.065,"confidence":0.98291016,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.06249888613820076},{"word":"at","start":369.065,"end":369.225,"confidence":0.95410156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08236289024353027},{"word":"about","start":369.225,"end":369.625,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07140171527862549},{"word":"a","start":369.625,"end":369.705,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0866951197385788},{"word":"$147,002.39","start":369.705,"end":373.145,"confidence":0.9925642,"punctuated_word":"$147,002.39.","sentiment":"neutral","sentiment_score":0.06438104808330536},{"word":"so","start":373.145,"end":373.385,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12830400466918945},{"word":"you","start":373.385,"end":373.54498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18941190838813785},{"word":"are","start":373.54498,"end":373.785,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1829257607460022},{"word":"fairly","start":373.785,"end":374.185,"confidence":0.97802734,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.22476880252361295},{"word":"on","start":374.185,"end":374.425,"confidence":0.95947266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22925759851932528},{"word":"average","start":374.425,"end":374.82498,"confidence":0.62402344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.23871281743049624},{"word":"for","start":374.82498,"end":375.32498,"confidence":0.9550781,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25377997756004333},{"word":"where","start":375.705,"end":375.945,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.223451167345047},{"word":"most","start":375.945,"end":376.26498,"confidence":0.92822266,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.23512503504753113},{"word":"people","start":376.26498,"end":376.585,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.14036491513252258},{"word":"of","start":376.585,"end":376.745,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1505180150270462},{"word":"your","start":376.745,"end":376.985,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19103750586509705},{"word":"age","start":376.985,"end":377.145,"confidence":0.77734375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.13662000000476837},{"word":"and","start":377.145,"end":377.385,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1719834804534912},{"word":"stage","start":377.385,"end":377.865,"confidence":0.85498047,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.11661501228809357},{"word":"are","start":377.865,"end":378.10498,"confidence":0.9650879,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.24869346618652344},{"word":"which","start":378.10498,"end":378.26498,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3647014498710632},{"word":"is","start":378.26498,"end":378.505,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4435694217681885},{"word":"good","start":378.505,"end":378.745,"confidence":0.9921875,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4328353703022003},{"word":"it","start":378.745,"end":378.905,"confidence":0.9760742,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2710133194923401},{"word":"does","start":378.905,"end":379.145,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.25956520438194275},{"word":"mean","start":379.145,"end":379.385,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.18750570714473724},{"word":"that","start":379.385,"end":379.54498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31483763456344604},{"word":"you're","start":379.54498,"end":379.705,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3173290491104126},{"word":"not","start":379.705,"end":379.865,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.25744327902793884},{"word":"lacking","start":379.865,"end":380.26498,"confidence":0.9038086,"punctuated_word":"lacking,","sentiment":"neutral","sentiment_score":0.22638222575187683},{"word":"that","start":380.26498,"end":380.505,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3222474455833435},{"word":"your","start":380.505,"end":380.665,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.311276912689209},{"word":"super","start":380.665,"end":380.985,"confidence":0.9038086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.31541237235069275},{"word":"balance","start":380.985,"end":381.465,"confidence":0.9760742,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.2774830162525177},{"word":"is","start":381.465,"end":381.625,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.30868908762931824},{"word":"working","start":381.625,"end":382.025,"confidence":0.82177734,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.2951401472091675},{"word":"and","start":382.025,"end":382.185,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2663649916648865},{"word":"your","start":382.185,"end":382.345,"confidence":0.96777344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2940390408039093},{"word":"super","start":382.345,"end":382.745,"confidence":0.9970703,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3716235756874085},{"word":"is","start":382.745,"end":382.905,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26153385639190674},{"word":"keeping","start":382.905,"end":383.225,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.24717170000076297},{"word":"up","start":383.225,"end":383.385,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19742891192436215},{"word":"with","start":383.385,"end":383.625,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1945137083530426},{"word":"the","start":383.625,"end":383.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19701731204986572},{"word":"average","start":383.785,"end":384.27,"confidence":0.99902344,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.14288616180419922},{"word":"i","start":384.83,"end":384.99,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.064192034304142},{"word":"would","start":384.99,"end":385.22998,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.048519566655159},{"word":"definitely","start":385.22998,"end":385.62997,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.14023298025131226},{"word":"like","start":385.62997,"end":385.87,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07763823866844177},{"word":"to","start":385.87,"end":385.94998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10052382946014404},{"word":"see","start":385.94998,"end":386.11,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10921181738376616},{"word":"it","start":386.11,"end":386.27,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08266066014766693},{"word":"working","start":386.27,"end":386.59,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1305961161851883},{"word":"a","start":386.59,"end":386.75,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09730161726474762},{"word":"bit","start":386.75,"end":386.91,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.015609599649906158},{"word":"harder","start":386.91,"end":387.31,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.0701940655708313},{"word":"and","start":387.31,"end":387.47,"confidence":0.67871094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.057500891387462616},{"word":"building","start":387.47,"end":387.94998,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.1279629021883011},{"word":"more","start":387.94998,"end":388.19,"confidence":0.9790039,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.06507513672113419},{"word":"but","start":388.19,"end":388.43,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07780630886554718},{"word":"we'll","start":388.43,"end":388.59,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14065119624137878},{"word":"keep","start":388.59,"end":388.83,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14150916039943695},{"word":"working","start":388.83,"end":389.31,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.16371867060661316},{"word":"on","start":389.31,"end":389.38998,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16913971304893494},{"word":"that","start":389.38998,"end":389.62997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1558661162853241},{"word":"down","start":389.62997,"end":389.87,"confidence":0.9951172,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2216042727231979},{"word":"the","start":389.87,"end":390.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21635384857654572},{"word":"track","start":390.03,"end":390.34998,"confidence":0.99316406,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.21423588693141937},{"word":"for","start":390.34998,"end":390.59,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1905529499053955},{"word":"you","start":390.59,"end":391.09,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11514700204133987},{"word":"okay","start":391.15,"end":391.65,"confidence":0.88964844,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0746123194694519},{"word":"yeah","start":392.59,"end":393.09,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09756000339984894},{"word":"they","start":393.87,"end":394.11,"confidence":0.9140625,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07277707010507584},{"word":"sort","start":394.11,"end":394.34998,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07806576043367386},{"word":"of","start":394.34998,"end":394.50998,"confidence":0.58203125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07395310699939728},{"word":"say","start":394.50998,"end":394.75,"confidence":0.9760742,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.08735442161560059},{"word":"by","start":394.75,"end":394.99,"confidence":0.8720703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.10256689786911012},{"word":"the","start":394.99,"end":395.06998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07910458743572235},{"word":"age","start":395.06998,"end":395.38998,"confidence":0.98291016,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.06775607913732529},{"word":"of","start":395.38998,"end":395.55,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06386247277259827},{"word":"60","start":395.55,"end":395.94998,"confidence":0.9248047,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.0705503448843956},{"word":"65","start":395.94998,"end":396.50998,"confidence":0.98876953,"punctuated_word":"65,","sentiment":"neutral","sentiment_score":0.101455420255661},{"word":"you","start":396.50998,"end":396.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.130666583776474},{"word":"should","start":396.75,"end":396.99,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.12402085959911346},{"word":"have","start":396.99,"end":397.22998,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11539044231176376},{"word":"about","start":397.22998,"end":397.55,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07950380444526672},{"word":"490,000","start":397.55,"end":399.09,"confidence":0.90075684,"punctuated_word":"490,000","sentiment":"neutral","sentiment_score":0.11603865027427672},{"word":"or","start":399.15,"end":399.645,"confidence":0.6040039,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11147496104240416},{"word":"by","start":399.72498,"end":399.88498,"confidence":0.90283203,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.09221352636814116},{"word":"65","start":399.88498,"end":400.525,"confidence":0.99902344,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.09678028523921968},{"word":"around","start":400.525,"end":400.845,"confidence":0.5761719,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.14377866685390472},{"word":"about","start":400.845,"end":401.16498,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10338643938302994},{"word":"600,000","start":401.16498,"end":401.965,"confidence":0.99902344,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.13046114146709442},{"word":"in","start":401.965,"end":402.205,"confidence":0.8017578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11529001593589784},{"word":"super","start":402.205,"end":402.525,"confidence":0.8708496,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.11632096022367476},{"word":"so","start":402.525,"end":402.76498,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10450449585914612},{"word":"we'll","start":402.76498,"end":403.085,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.15825310349464417},{"word":"try","start":403.085,"end":403.245,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.18807533383369449},{"word":"to","start":403.245,"end":403.32498,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17714598774909973},{"word":"sort","start":403.32498,"end":403.565,"confidence":0.9741211,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15830521285533905},{"word":"of","start":403.565,"end":403.645,"confidence":0.6689453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1929301917552948},{"word":"keep","start":403.645,"end":403.805,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1893068552017212},{"word":"building","start":403.805,"end":404.205,"confidence":0.9970703,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.19317001104354856},{"word":"on","start":404.205,"end":404.365,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.25326794385910034},{"word":"that","start":404.365,"end":404.60498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20576609671115875},{"word":"as","start":404.60498,"end":404.76498,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15824708342552185},{"word":"much","start":404.76498,"end":405.00497,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.16939032077789307},{"word":"as","start":405.00497,"end":405.085,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13523274660110474},{"word":"we","start":405.085,"end":405.32498,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17409947514533997},{"word":"possibly","start":405.32498,"end":405.82498,"confidence":0.99902344,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.11689823865890504},{"word":"can","start":405.88498,"end":406.38498,"confidence":1.0,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.1262015700340271},{"word":"absolutely","start":408.60498,"end":409.10498,"confidence":0.9211426,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5994377136230469},{"word":"absolutely","start":409.72498,"end":410.22498,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.557489275932312},{"word":"i'll","start":410.44498,"end":410.685,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5819966197013855},{"word":"make","start":410.685,"end":410.845,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.6597809791564941},{"word":"it","start":410.845,"end":411.00497,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.676510214805603},{"word":"my","start":411.00497,"end":411.16498,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6377895474433899},{"word":"goal","start":411.16498,"end":411.405,"confidence":0.9970703,"punctuated_word":"goal.","sentiment":"positive","sentiment_score":0.6089439392089844},{"word":"i","start":411.405,"end":411.565,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5790146589279175},{"word":"want","start":411.565,"end":411.72498,"confidence":0.9980469,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.6433059573173523},{"word":"you","start":411.72498,"end":411.965,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6322248578071594},{"word":"to","start":411.965,"end":412.04498,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6192078590393066},{"word":"enjoy","start":412.04498,"end":412.44498,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6529790759086609},{"word":"your","start":412.44498,"end":412.685,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6620908975601196},{"word":"retirement","start":412.685,"end":413.185,"confidence":1.0,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.6237186193466187},{"word":"years","start":413.32498,"end":413.72498,"confidence":0.9609375,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.5969620943069458},{"word":"so","start":413.72498,"end":414.22498,"confidence":0.98095703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.25911644101142883},{"word":"when","start":416.81,"end":417.05,"confidence":0.96240234,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.22487837076187137},{"word":"you","start":417.05,"end":417.21,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20368798077106476},{"word":"kind","start":417.21,"end":417.44998,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.200594961643219},{"word":"of","start":417.44998,"end":417.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1820376217365265},{"word":"just","start":417.61,"end":417.77,"confidence":0.5761719,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14352482557296753},{"word":"sort","start":417.77,"end":418.00998,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15949106216430664},{"word":"of","start":418.00998,"end":418.09,"confidence":0.9199219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15304499864578247},{"word":"look","start":418.09,"end":418.25,"confidence":0.9951172,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14737610518932345},{"word":"at","start":418.25,"end":418.33,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16636350750923157},{"word":"your","start":418.33,"end":418.65,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12594899535179138},{"word":"circumstances","start":418.65,"end":419.15,"confidence":0.9980469,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.2920387089252472},{"word":"with","start":419.37,"end":419.53,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2317901849746704},{"word":"your","start":419.53,"end":419.77,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23356744647026065},{"word":"goal","start":419.77,"end":420.00998,"confidence":0.9819336,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.19993989169597623},{"word":"there","start":420.00998,"end":420.16998,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22345712780952456},{"word":"as","start":420.16998,"end":420.33,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21518616378307345},{"word":"well","start":420.33,"end":420.65,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.19032321870326996},{"word":"with","start":420.65,"end":420.81,"confidence":0.5341797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.245635449886322},{"word":"your","start":420.81,"end":421.12997,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2087891697883606},{"word":"super","start":421.12997,"end":421.62997,"confidence":0.8491211,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.19173167645931244},{"word":"is","start":421.84998,"end":422.09,"confidence":0.89501953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06520034372806549},{"word":"your","start":422.09,"end":422.25,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05687400698661804},{"word":"i've","start":422.49,"end":422.65,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07321467995643616},{"word":"got","start":422.65,"end":422.81,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08008226752281189},{"word":"here","start":422.81,"end":423.05,"confidence":0.9902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0816270262002945},{"word":"that","start":423.05,"end":423.21,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058739304542541504},{"word":"you're","start":423.21,"end":423.44998,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06227240711450577},{"word":"married","start":423.44998,"end":423.84998,"confidence":0.99316406,"punctuated_word":"married.","sentiment":"neutral","sentiment_score":0.1001397669315338},{"word":"does","start":423.84998,"end":424.00998,"confidence":0.9951172,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04762011766433716},{"word":"your","start":424.00998,"end":424.25,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.069149449467659},{"word":"wife","start":424.25,"end":424.56998,"confidence":0.99902344,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.10515692830085754},{"word":"work","start":424.56998,"end":424.81,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09433701634407043},{"word":"as","start":424.81,"end":424.97,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08042867481708527},{"word":"well","start":424.97,"end":425.21,"confidence":0.99316406,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.07423606514930725},{"word":"does","start":425.21,"end":425.37,"confidence":0.9951172,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04124276712536812},{"word":"she","start":425.37,"end":425.61,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.06535996496677399},{"word":"have","start":425.61,"end":425.93,"confidence":0.95410156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06221324950456619},{"word":"super","start":425.93,"end":426.33,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10442204773426056},{"word":"as","start":426.33,"end":426.49,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08512503653764725},{"word":"well","start":426.49,"end":426.99,"confidence":1.0,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.06948937475681305},{"word":"yep","start":429.21,"end":429.555,"confidence":0.90527344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05047669634222984},{"word":"okay","start":432.51498,"end":433.01498,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14294826984405518},{"word":"perfect","start":433.315,"end":433.815,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.26976728439331055},{"word":"so","start":433.875,"end":434.035,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04756055772304535},{"word":"she'd","start":434.035,"end":434.35498,"confidence":0.98291016,"punctuated_word":"she'd","sentiment":"neutral","sentiment_score":0.03808362036943436},{"word":"have","start":434.35498,"end":434.51498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0180288627743721},{"word":"a","start":434.51498,"end":434.595,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023220621049404144},{"word":"fairly","start":434.595,"end":434.835,"confidence":0.99902344,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.01417001523077488},{"word":"good","start":434.835,"end":435.07498,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.11858374625444412},{"word":"super","start":435.07498,"end":435.475,"confidence":0.9892578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08895331621170044},{"word":"balance","start":435.475,"end":435.79498,"confidence":0.9716797,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.030514635145664215},{"word":"there","start":435.79498,"end":436.035,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06971412897109985},{"word":"as","start":436.035,"end":436.195,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07566960155963898},{"word":"well","start":436.195,"end":436.695,"confidence":0.98217773,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0951601341366768},{"word":"no","start":440.35498,"end":440.595,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0512537881731987},{"word":"that's","start":440.595,"end":440.91498,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01051980536431074},{"word":"okay","start":440.91498,"end":441.235,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.009593654423952104},{"word":"the","start":441.235,"end":441.395,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04478956013917923},{"word":"main","start":441.395,"end":441.63498,"confidence":0.98095703,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.03045988827943802},{"word":"sort","start":441.63498,"end":441.79498,"confidence":0.56884766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.010677091777324677},{"word":"of","start":441.79498,"end":441.955,"confidence":0.9428711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02080687880516052},{"word":"reason","start":441.955,"end":442.275,"confidence":0.98535156,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.020640745759010315},{"word":"i","start":442.275,"end":442.435,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003919467329978943},{"word":"look","start":442.435,"end":442.675,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03491418808698654},{"word":"at","start":442.675,"end":442.755,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.046607546508312225},{"word":"that","start":442.755,"end":442.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0059196725487709045},{"word":"as","start":442.995,"end":443.155,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0013663321733474731},{"word":"well","start":443.155,"end":443.315,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0111028254032135},{"word":"is","start":443.315,"end":443.555,"confidence":0.89208984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0023401081562042236},{"word":"as","start":443.555,"end":443.79498,"confidence":0.92333984,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.010467886924743652},{"word":"you","start":443.79498,"end":443.875,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.002331063151359558},{"word":"get","start":443.875,"end":444.15,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04088997095823288},{"word":"closer","start":444.22998,"end":444.55,"confidence":0.6575928,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":-0.008024010807275772},{"word":"because","start":444.55,"end":444.79,"confidence":0.7722168,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.011276962235569954},{"word":"admittedly","start":444.79,"end":445.29,"confidence":0.99072266,"punctuated_word":"admittedly,","sentiment":"neutral","sentiment_score":-0.012078258208930492},{"word":"at","start":445.35,"end":445.43,"confidence":0.9741211,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03814435005187988},{"word":"the","start":445.43,"end":445.50998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014280296862125397},{"word":"moment","start":445.50998,"end":445.83,"confidence":0.93603516,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.013696961104869844},{"word":"we're","start":445.83,"end":445.99,"confidence":0.98217773,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.007267346139997244},{"word":"just","start":445.99,"end":446.31,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01352805644273758},{"word":"your","start":446.31,"end":446.63,"confidence":0.9165039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02320919930934906},{"word":"adviser","start":446.63,"end":447.13,"confidence":0.73657227,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":-0.021875038743019104},{"word":"down","start":447.75,"end":447.91,"confidence":0.56933594,"punctuated_word":"Down","sentiment":"neutral","sentiment_score":0.03228546679019928},{"word":"the","start":447.91,"end":448.07,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0424327552318573},{"word":"track","start":448.07,"end":448.31,"confidence":0.9941406,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.048326149582862854},{"word":"when","start":448.31,"end":448.55,"confidence":0.6533203,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.019624680280685425},{"word":"we","start":448.55,"end":448.63,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.035389386117458344},{"word":"get","start":448.63,"end":448.87,"confidence":0.9716797,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.036850690841674805},{"word":"to","start":448.87,"end":448.94998,"confidence":0.80810547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04144177585840225},{"word":"get","start":448.94998,"end":449.11,"confidence":0.9921875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03198905289173126},{"word":"to","start":449.11,"end":449.27,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06781018525362015},{"word":"those","start":449.27,"end":449.50998,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06099434942007065},{"word":"retirement","start":449.50998,"end":450.00998,"confidence":0.9892578,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.05543282628059387},{"word":"years","start":450.15,"end":450.47,"confidence":0.95092773,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.07092849910259247},{"word":"it","start":450.47,"end":450.63,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08582649379968643},{"word":"is","start":450.63,"end":450.87,"confidence":0.7446289,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07972041517496109},{"word":"always","start":450.87,"end":451.19,"confidence":0.9951172,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.17166128754615784},{"word":"worth","start":451.19,"end":451.50998,"confidence":0.99609375,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.07316158711910248},{"word":"looking","start":451.50998,"end":451.83,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0005853623151779175},{"word":"at","start":451.83,"end":452.07,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04392822086811066},{"word":"the","start":452.07,"end":452.22998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01258176565170288},{"word":"difference","start":452.22998,"end":452.63,"confidence":0.9941406,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.048460811376571655},{"word":"in","start":452.63,"end":452.87,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.039872683584690094},{"word":"super","start":452.87,"end":453.11,"confidence":0.90722656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.031226813793182373},{"word":"balance","start":453.11,"end":453.43,"confidence":0.9291992,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.010576725006103516},{"word":"between","start":453.43,"end":453.75,"confidence":0.97509766,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02648419886827469},{"word":"yourself","start":453.75,"end":454.07,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.07578316330909729},{"word":"and","start":454.07,"end":454.22998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.022871680557727817},{"word":"your","start":454.22998,"end":454.47,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03650455176830292},{"word":"wife","start":454.47,"end":454.78998,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.038925692439079285},{"word":"to","start":454.78998,"end":454.87,"confidence":0.94921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001065567135810852},{"word":"look","start":454.87,"end":455.03,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.013968251645565031},{"word":"at","start":455.03,"end":455.27,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.008600950241088867},{"word":"who's","start":455.27,"end":455.59,"confidence":0.9980469,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.01697351038455963},{"word":"got","start":455.59,"end":455.75,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.039024680852890015},{"word":"a","start":455.75,"end":455.83,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016057290136814117},{"word":"higher","start":455.83,"end":456.15,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.0069486647844314575},{"word":"balance","start":456.15,"end":456.65,"confidence":0.78564453,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":-0.020095190033316612},{"word":"are","start":456.95502,"end":457.11502,"confidence":0.9902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.04266040772199631},{"word":"you","start":457.11502,"end":457.27502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007520720362663269},{"word":"on","start":457.27502,"end":457.515,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004406467080116272},{"word":"par","start":457.515,"end":457.83502,"confidence":0.8901367,"punctuated_word":"par?","sentiment":"neutral","sentiment_score":-0.006364641711115837},{"word":"what","start":457.83502,"end":458.075,"confidence":0.99902344,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.006403923034667969},{"word":"you","start":458.075,"end":458.23502,"confidence":0.9506836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007986113429069519},{"word":"need","start":458.23502,"end":458.475,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.009653642773628237},{"word":"to","start":458.475,"end":458.55502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006145123392343521},{"word":"live","start":458.55502,"end":458.795,"confidence":0.9902344,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.02871539443731308},{"word":"on","start":458.795,"end":458.95502,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03302737697958946},{"word":"when","start":458.95502,"end":459.195,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.014897245913743973},{"word":"you","start":459.195,"end":459.355,"confidence":0.95410156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014156442135572432},{"word":"get","start":459.355,"end":459.515,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02464218996465206},{"word":"to","start":459.515,"end":459.595,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.041126735508441925},{"word":"those","start":459.595,"end":459.915,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.01969797909259796},{"word":"areas","start":459.915,"end":460.415,"confidence":0.876709,"punctuated_word":"areas?","sentiment":"neutral","sentiment_score":0.03179579973220825},{"word":"realistically","start":461.11502,"end":461.61502,"confidence":0.8836263,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.03134657070040703},{"word":"you","start":461.83502,"end":462.075,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03299976512789726},{"word":"sort","start":462.075,"end":462.315,"confidence":0.93847656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01865384727716446},{"word":"of","start":462.315,"end":462.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05188502371311188},{"word":"wanna","start":462.475,"end":462.875,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05675254762172699},{"word":"try","start":462.875,"end":463.27502,"confidence":0.99902344,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.021889910101890564},{"word":"and","start":463.27502,"end":463.595,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04788954555988312},{"word":"maybe","start":463.595,"end":463.99503,"confidence":0.9589844,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03865407034754753},{"word":"proportionately","start":463.99503,"end":464.49503,"confidence":0.79174805,"punctuated_word":"proportionately","sentiment":"neutral","sentiment_score":0.07453571259975433},{"word":"draw","start":464.795,"end":465.11502,"confidence":0.99902344,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.0433230884373188},{"word":"out","start":465.11502,"end":465.27502,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.029694750905036926},{"word":"of","start":465.27502,"end":465.435,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04638659581542015},{"word":"the","start":465.435,"end":465.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05606002360582352},{"word":"two","start":465.595,"end":465.915,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03763127326965332},{"word":"supers","start":465.915,"end":466.415,"confidence":0.8671875,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.04121580719947815},{"word":"so","start":466.475,"end":466.71503,"confidence":0.93359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05974708870053291},{"word":"that","start":466.71503,"end":467.21503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09216992557048798},{"word":"you","start":467.355,"end":467.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09750678390264512},{"word":"keep","start":467.515,"end":467.755,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.06755669414997101},{"word":"them","start":467.755,"end":468.23502,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.034184765070676804},{"word":"both","start":468.23502,"end":468.55502,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.047618355602025986},{"word":"working","start":468.55502,"end":468.95502,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.02544825524091721},{"word":"as","start":468.95502,"end":469.195,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.041662972420454025},{"word":"long","start":469.195,"end":469.435,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.049144793301820755},{"word":"as","start":469.435,"end":469.595,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0055480822920799255},{"word":"possible","start":469.595,"end":470.095,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.020958170294761658},{"word":"rather","start":470.475,"end":470.71503,"confidence":0.8964844,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.033101968467235565},{"word":"than","start":470.71503,"end":471.035,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.03882908448576927},{"word":"depleting","start":471.035,"end":471.535,"confidence":0.9875488,"punctuated_word":"depleting","sentiment":"neutral","sentiment_score":-0.246709942817688},{"word":"one","start":471.595,"end":471.83502,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.07433522492647171},{"word":"or","start":471.83502,"end":471.99503,"confidence":0.8535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07625021785497665},{"word":"the","start":471.99503,"end":472.155,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06527378410100937},{"word":"other","start":472.155,"end":472.655,"confidence":0.99902344,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":-0.05468307062983513},{"word":"the","start":473.11,"end":473.27,"confidence":0.98291016,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0016018450260162354},{"word":"other","start":473.27,"end":473.75,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0007455982267856598},{"word":"thing","start":473.75,"end":474.22998,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.007907390594482422},{"word":"i","start":474.22998,"end":474.38998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003480609506368637},{"word":"tend","start":474.38998,"end":474.63,"confidence":0.9951172,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.002209726721048355},{"word":"to","start":474.63,"end":474.78998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00154239684343338},{"word":"look","start":474.78998,"end":475.03,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01661655679345131},{"word":"at","start":475.03,"end":475.27,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.024506215006113052},{"word":"is","start":475.27,"end":475.77,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014546172693371773},{"word":"how","start":475.99,"end":476.38998,"confidence":0.9316406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.012439217418432236},{"word":"old","start":476.38998,"end":476.63,"confidence":0.9790039,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.0156842228025198},{"word":"each","start":476.63,"end":476.78998,"confidence":0.9902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.025327662006020542},{"word":"of","start":476.78998,"end":476.94998,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017231184989213943},{"word":"you","start":476.94998,"end":477.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013545194640755652},{"word":"are","start":477.27,"end":477.43,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.013214843347668648},{"word":"as","start":477.43,"end":477.59,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.019931765273213387},{"word":"well","start":477.59,"end":477.99,"confidence":0.9863281,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.013175690546631811},{"word":"so","start":477.99,"end":478.31,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008499404415488243},{"word":"if","start":478.31,"end":478.55,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.015975339338183403},{"word":"she's","start":478.55,"end":478.71,"confidence":0.9132487,"punctuated_word":"she's,","sentiment":"neutral","sentiment_score":0.006777857430279255},{"word":"you","start":478.71,"end":478.78998,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00024975836277008057},{"word":"know","start":478.78998,"end":479.03,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005985580384731293},{"word":"a","start":479.03,"end":479.11,"confidence":0.88183594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003919243812561035},{"word":"couple","start":479.11,"end":479.35,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.008620701730251312},{"word":"of","start":479.35,"end":479.43,"confidence":0.91503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0015791654586791992},{"word":"years","start":479.43,"end":479.75,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.004796210676431656},{"word":"younger","start":479.75,"end":480.06998,"confidence":0.99902344,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":0.003127429634332657},{"word":"than","start":480.06998,"end":480.22998,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0020527690649032593},{"word":"you","start":480.22998,"end":480.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009451594203710556},{"word":"or","start":480.47,"end":480.71,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.010159101337194444},{"word":"older","start":480.71,"end":480.94998,"confidence":1.0,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.0009080357849597932},{"word":"than","start":480.94998,"end":481.11,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.00881396234035492},{"word":"you","start":481.11,"end":481.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02020593360066414},{"word":"and","start":481.27,"end":481.50998,"confidence":0.8305664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01811864785850048},{"word":"she","start":481.50998,"end":481.66998,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.02098247222602367},{"word":"might","start":481.66998,"end":481.91,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.010162502527236938},{"word":"retire","start":481.91,"end":482.38998,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.01327991858124733},{"word":"before","start":482.38998,"end":482.78998,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.02010105177760124},{"word":"or","start":482.78998,"end":483.03,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007496729493141174},{"word":"after","start":483.03,"end":483.34998,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.014370467513799667},{"word":"you","start":483.34998,"end":483.84998,"confidence":0.99560547,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.01767214760184288},{"word":"it's","start":483.99,"end":484.22998,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.019878942519426342},{"word":"also","start":484.22998,"end":484.55,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.016650423407554626},{"word":"worth","start":484.55,"end":484.87,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.006558012217283249},{"word":"looking","start":484.87,"end":485.11,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.018366817384958267},{"word":"at","start":485.11,"end":485.27,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02515992894768715},{"word":"the","start":485.27,"end":485.34998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025626257061958313},{"word":"difference","start":485.34998,"end":485.75,"confidence":0.99316406,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.008071370422840118},{"word":"in","start":485.75,"end":485.83,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.003682397305965424},{"word":"balances","start":485.83,"end":486.33,"confidence":0.9970703,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":-0.010530704632401466},{"word":"and","start":486.38998,"end":486.63,"confidence":0.8251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011608563363552094},{"word":"whether","start":486.63,"end":487.125,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0056439414620399475},{"word":"you","start":487.125,"end":487.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005582708865404129},{"word":"just","start":487.365,"end":487.605,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.004298776388168335},{"word":"start","start":487.605,"end":488.005,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.0008371099829673767},{"word":"drawing","start":488.005,"end":488.325,"confidence":0.99902344,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.002914005890488625},{"word":"from","start":488.325,"end":488.565,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0046774838119745255},{"word":"one","start":488.565,"end":488.805,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.007380437105894089},{"word":"rather","start":488.805,"end":489.125,"confidence":0.9951172,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.010779373347759249},{"word":"than","start":489.125,"end":489.365,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.008669696748256683},{"word":"the","start":489.365,"end":489.525,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005944160744547844},{"word":"other","start":489.525,"end":490.025,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.014434730634093285},{"word":"or","start":490.325,"end":490.565,"confidence":0.6484375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.003413131460547447},{"word":"whether","start":490.565,"end":490.885,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.005762552842497826},{"word":"you","start":490.885,"end":491.125,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0029115043580532074},{"word":"hold","start":491.125,"end":491.445,"confidence":0.5229492,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.00482570193707943},{"word":"off","start":491.445,"end":491.925,"confidence":0.9655762,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.005342027638107538},{"word":"so","start":491.925,"end":492.165,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016035450622439384},{"word":"yeah","start":492.565,"end":493.065,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017051151022315025},{"word":"spring","start":498.245,"end":498.725,"confidence":0.94628906,"punctuated_word":"Spring","sentiment":"neutral","sentiment_score":0.02631440572440624},{"word":"chicken","start":498.725,"end":499.225,"confidence":0.96362305,"punctuated_word":"chicken.","sentiment":"neutral","sentiment_score":0.02568160369992256},{"word":"do","start":503.22,"end":503.38,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.011113325133919716},{"word":"you","start":503.38,"end":503.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025883115828037265},{"word":"think","start":503.54,"end":503.78,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02518872171640396},{"word":"she's","start":503.78,"end":504.02002,"confidence":1.0,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03315944969654083},{"word":"gonna","start":504.02002,"end":504.26,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.031035911291837692},{"word":"wanna","start":504.26,"end":504.58002,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05332827568054199},{"word":"kinda","start":504.58002,"end":504.9,"confidence":0.95410156,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.050217196345329285},{"word":"retire","start":504.9,"end":505.4,"confidence":0.9970703,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.028108129277825356},{"word":"at","start":505.46,"end":505.54,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03236759081482887},{"word":"the","start":505.54,"end":505.62,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04685224965214729},{"word":"same","start":505.62,"end":505.94,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.032393928617239},{"word":"time","start":505.94,"end":506.18,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04949088767170906},{"word":"as","start":506.18,"end":506.34,"confidence":0.95947266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02763257548213005},{"word":"you","start":506.34,"end":506.66,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031388524919748306},{"word":"or","start":506.66,"end":506.9,"confidence":0.9550781,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02401072531938553},{"word":"earlier","start":506.9,"end":507.38,"confidence":0.9946289,"punctuated_word":"earlier?","sentiment":"neutral","sentiment_score":0.01087614893913269},{"word":"do","start":507.38,"end":507.46,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.004534514620900154},{"word":"you","start":507.46,"end":507.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010819945484399796},{"word":"think","start":507.54,"end":507.78,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0015280097723007202},{"word":"she'll","start":507.78,"end":508.02002,"confidence":0.9916992,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":0.009971404448151588},{"word":"probably","start":508.02002,"end":508.42,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.007405154407024384},{"word":"work","start":508.42,"end":508.92,"confidence":0.99902344,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":0.009349376894533634},{"word":"yeah","start":514.165,"end":514.665,"confidence":0.8498535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03932061791419983},{"word":"oh","start":526.565,"end":526.815,"confidence":0.70751953,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.060655269771814346},{"word":"absolutely","start":526.815,"end":527.315,"confidence":0.99121094,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.03832487016916275},{"word":"abs","start":529.08,"end":529.56,"confidence":0.31689453,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":0.005205757915973663},{"word":"mhmm","start":535.16003,"end":535.32,"confidence":0.9848633,"punctuated_word":"mhmm.","sentiment":"neutral","sentiment_score":0.016602501273155212},{"word":"yep","start":535.32,"end":535.8,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0634952038526535},{"word":"yep","start":535.8,"end":536.2,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13031810522079468},{"word":"absolutely","start":536.2,"end":536.7,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4663739800453186},{"word":"perfect","start":537.24,"end":537.74,"confidence":0.9746094,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.622364342212677},{"word":"and","start":538.52,"end":538.68,"confidence":0.7451172,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.36488112807273865},{"word":"are","start":538.68,"end":538.84,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.255323201417923},{"word":"you","start":538.84,"end":539.0,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37553635239601135},{"word":"happy","start":539.0,"end":539.24,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3513834774494171},{"word":"for","start":539.24,"end":539.4,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3085385859012604},{"word":"me","start":539.4,"end":539.48004,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.31858548521995544},{"word":"to","start":539.48004,"end":539.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23438511788845065},{"word":"work","start":539.56,"end":539.8,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20635180175304413},{"word":"on","start":539.8,"end":540.04004,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2426811158657074},{"word":"60","start":540.04004,"end":540.44,"confidence":0.99902344,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.272012859582901},{"word":"as","start":540.44,"end":540.68,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18927328288555145},{"word":"an","start":540.68,"end":540.84,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15754351019859314},{"word":"age","start":540.84,"end":541.095,"confidence":0.984375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11709576100111008},{"word":"to","start":541.095,"end":541.33496,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17649900913238523},{"word":"access","start":541.33496,"end":541.57495,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2160732001066208},{"word":"super","start":541.57495,"end":541.975,"confidence":0.92822266,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2710343301296234},{"word":"currently","start":541.975,"end":542.45496,"confidence":0.8930664,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.16594192385673523},{"word":"or","start":542.45496,"end":542.615,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10929130017757416},{"word":"do","start":542.615,"end":542.77496,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08699054270982742},{"word":"you","start":542.77496,"end":542.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12021030485630035},{"word":"think","start":542.855,"end":543.095,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09954092651605606},{"word":"you'd","start":543.095,"end":543.57495,"confidence":0.99121094,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.12591975927352905},{"word":"realistically","start":543.57495,"end":544.07495,"confidence":0.98095703,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.1092824637889862},{"word":"maybe","start":544.21497,"end":544.535,"confidence":0.90771484,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11452703177928925},{"word":"work","start":544.535,"end":544.77496,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09442679584026337},{"word":"a","start":544.77496,"end":544.855,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14894449710845947},{"word":"little","start":544.855,"end":545.095,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1020069420337677},{"word":"bit","start":545.095,"end":545.25494,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11379215866327286},{"word":"longer","start":545.25494,"end":545.65497,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.18780137598514557},{"word":"if","start":545.65497,"end":545.81494,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14756272733211517},{"word":"you","start":545.81494,"end":546.31494,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13378065824508667},{"word":"were","start":546.855,"end":547.095,"confidence":0.9892578,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.12070005387067796},{"word":"happy","start":547.095,"end":547.415,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.09529095888137816},{"word":"in","start":547.415,"end":547.57495,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03404952585697174},{"word":"your","start":547.57495,"end":547.735,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06330478191375732},{"word":"job","start":547.735,"end":548.235,"confidence":0.99609375,"punctuated_word":"job?","sentiment":"neutral","sentiment_score":0.08914357423782349},{"word":"yeah","start":548.855,"end":549.355,"confidence":0.64453125,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.06779734790325165},{"word":"yep","start":559.58997,"end":560.08997,"confidence":0.85302734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15403300523757937},{"word":"perfect","start":560.14996,"end":560.64996,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5480000376701355},{"word":"beautiful","start":561.35,"end":561.85,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6381713151931763},{"word":"i'll","start":562.07,"end":562.31,"confidence":0.96362305,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4380738139152527},{"word":"just","start":562.31,"end":562.39,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4369024336338043},{"word":"sorta","start":562.39,"end":562.70996,"confidence":0.6904297,"punctuated_word":"sorta","sentiment":"positive","sentiment_score":0.3920087814331054},{"word":"note","start":562.70996,"end":562.87,"confidence":0.9951172,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.3005843758583069},{"word":"that","start":562.87,"end":563.02997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3209614157676697},{"word":"down","start":563.02997,"end":563.26996,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.3102070689201355},{"word":"there","start":563.26996,"end":563.43,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3077305555343628},{"word":"for","start":563.43,"end":563.67,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2917381823062897},{"word":"you","start":563.67,"end":563.91,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.24275469779968264},{"word":"fantastic","start":563.91,"end":564.41,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3572647273540497},{"word":"sorry","start":566.165,"end":566.565,"confidence":0.7595215,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.046935223042964935},{"word":"and","start":566.565,"end":567.065,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0025148019194602966},{"word":"just","start":568.805,"end":569.305,"confidence":0.78564453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.003297939896583557},{"word":"sorry","start":570.645,"end":571.045,"confidence":0.984375,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.0023482590913772583},{"word":"the","start":571.045,"end":571.205,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.037298958748579025},{"word":"other","start":571.205,"end":571.285,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.021779723465442657},{"word":"thing","start":571.285,"end":571.525,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.020373251289129257},{"word":"i'm","start":571.525,"end":571.685,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015606227330863476},{"word":"looking","start":571.685,"end":571.925,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02832947298884392},{"word":"at","start":571.925,"end":572.085,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04005551338195801},{"word":"here","start":572.085,"end":572.325,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.06018713861703873},{"word":"is","start":572.325,"end":572.485,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03843564912676811},{"word":"just","start":572.485,"end":572.725,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07702445983886719},{"word":"with","start":572.725,"end":572.885,"confidence":0.5048828,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05606246739625931},{"word":"the","start":572.885,"end":573.125,"confidence":0.8251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06912320852279663},{"word":"business","start":573.125,"end":573.605,"confidence":0.89575195,"punctuated_word":"business,","sentiment":"neutral","sentiment_score":0.058029282838106155},{"word":"do","start":573.605,"end":573.765,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.010712854564189913},{"word":"you","start":573.765,"end":574.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.037155233323574066},{"word":"sort","start":574.005,"end":574.245,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04285460710525513},{"word":"of","start":574.245,"end":574.725,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06837133318185806},{"word":"have","start":574.725,"end":574.965,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01943735033273697},{"word":"a","start":574.965,"end":575.205,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04052596166729927},{"word":"a","start":575.205,"end":575.445,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.046874307096004486},{"word":"plan","start":575.445,"end":575.765,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.04964279383420944},{"word":"for","start":575.765,"end":576.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09560021758079527},{"word":"how","start":576.005,"end":576.245,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0935959592461586},{"word":"you","start":576.245,"end":576.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10331837832927704},{"word":"want","start":576.405,"end":576.645,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13028930127620697},{"word":"that","start":576.645,"end":576.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11294231563806534},{"word":"to","start":576.885,"end":576.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11051909625530244},{"word":"grow","start":576.965,"end":577.205,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.1481858342885971},{"word":"and","start":577.205,"end":577.365,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1992360353469849},{"word":"build","start":577.365,"end":577.685,"confidence":0.99365234,"punctuated_word":"build?","sentiment":"neutral","sentiment_score":0.11998705565929411},{"word":"are","start":577.685,"end":577.845,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.01625821739435196},{"word":"you","start":577.845,"end":578.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05082528665661812},{"word":"sort","start":578.005,"end":578.245,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03456926345825195},{"word":"of","start":578.245,"end":578.325,"confidence":0.8339844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04949113726615906},{"word":"hoping","start":578.325,"end":578.805,"confidence":0.9394531,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.03766300529241562},{"word":"that","start":578.805,"end":579.045,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0773841142654419},{"word":"when","start":579.045,"end":579.285,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06625144928693771},{"word":"you","start":579.285,"end":579.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06335426867008209},{"word":"transition","start":580.2,"end":580.44,"confidence":0.9980469,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.11026934534311296},{"word":"the","start":580.44,"end":580.60004,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06098186224699021},{"word":"business","start":580.60004,"end":581.08,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.0939863622188568},{"word":"into","start":581.08,"end":581.4,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09518135339021684},{"word":"a","start":581.4,"end":581.56,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0816241130232811},{"word":"company","start":581.56,"end":581.88,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.053660836070775986},{"word":"and","start":581.88,"end":582.12,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07742443680763245},{"word":"start","start":582.12,"end":582.44,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.10279323905706406},{"word":"having","start":582.44,"end":582.84,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.11001258343458176},{"word":"employees","start":582.84,"end":583.34,"confidence":0.9980469,"punctuated_word":"employees","sentiment":"neutral","sentiment_score":0.14098674058914185},{"word":"there","start":583.4,"end":583.72003,"confidence":0.98291016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11179880052804948},{"word":"that","start":583.72003,"end":583.96,"confidence":0.6845703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14793480932712555},{"word":"they","start":583.96,"end":584.2,"confidence":0.5703125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10812705755233765},{"word":"that","start":584.28,"end":584.52,"confidence":0.90234375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11606436967849731},{"word":"that","start":584.52,"end":584.76,"confidence":0.73046875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12867103517055511},{"word":"you'll","start":584.76,"end":585.24005,"confidence":0.95751953,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09706061333417892},{"word":"probably","start":585.24005,"end":585.64,"confidence":0.9873047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0648987740278244},{"word":"sell","start":585.64,"end":585.96,"confidence":0.9902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.08552277833223343},{"word":"that","start":585.96,"end":586.2,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08765456080436707},{"word":"down","start":586.2,"end":586.36005,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0986555591225624},{"word":"the","start":586.36005,"end":586.52,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10915862023830414},{"word":"track","start":586.52,"end":586.84,"confidence":0.81762695,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.07080301642417908},{"word":"or","start":586.84,"end":587.0,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.015967287123203278},{"word":"do","start":587.0,"end":587.16003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008157677948474884},{"word":"you","start":587.16003,"end":587.24005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02771706134080887},{"word":"think","start":587.24005,"end":587.48004,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.023504607379436493},{"word":"you","start":587.48004,"end":587.56,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026331983506679535},{"word":"might","start":587.56,"end":587.80005,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02895282208919525},{"word":"try","start":587.80005,"end":587.96,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.0066147372126579285},{"word":"to","start":587.96,"end":588.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017152898013591766},{"word":"hold","start":588.12,"end":588.36005,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.015133529901504517},{"word":"on","start":588.36005,"end":588.60004,"confidence":0.8310547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015574857592582704},{"word":"to","start":588.60004,"end":588.68,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04749292880296707},{"word":"the","start":588.68,"end":588.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10779432207345964},{"word":"business","start":588.84,"end":589.34,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.11009786278009416},{"word":"and","start":589.4,"end":589.72003,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04511242359876633},{"word":"keep","start":589.72003,"end":589.96,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0811481922864914},{"word":"it","start":589.96,"end":590.12,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10669603943824768},{"word":"working","start":590.12,"end":590.52,"confidence":0.921875,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.08608844876289368},{"word":"in","start":590.52,"end":590.76,"confidence":0.8120117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05000242218375206},{"word":"earning","start":590.76,"end":591.08,"confidence":0.42358398,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.05383986979722977},{"word":"income","start":591.08,"end":591.48004,"confidence":0.9667969,"punctuated_word":"income?","sentiment":"neutral","sentiment_score":0.03642581030726433},{"word":"do","start":591.48004,"end":591.72003,"confidence":0.99121094,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.026721667498350143},{"word":"you","start":591.72003,"end":591.80005,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02475033886730671},{"word":"have","start":591.80005,"end":591.96,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.026602741330862045},{"word":"any","start":591.96,"end":592.2,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.02571985498070717},{"word":"idea","start":592.2,"end":592.52,"confidence":0.9980469,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.04974256455898285},{"word":"of","start":592.52,"end":592.60004,"confidence":0.90625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03780043125152588},{"word":"how","start":592.60004,"end":592.84,"confidence":0.74072266,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.04379818215966225},{"word":"have","start":592.92004,"end":593.08,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04535887390375137},{"word":"you","start":593.08,"end":593.16003,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03352927416563034},{"word":"thought","start":593.16003,"end":593.4,"confidence":0.9941406,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.08584880828857422},{"word":"about","start":593.4,"end":593.805,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07994544506072998},{"word":"sorry","start":596.52496,"end":596.925,"confidence":0.98828125,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.02192142978310585},{"word":"i'm","start":596.925,"end":597.085,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.005405744072049856},{"word":"gonna","start":597.085,"end":597.325,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.00309962360188365},{"word":"ask","start":597.325,"end":597.485,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0009269574657082558},{"word":"all","start":597.485,"end":597.645,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0016848836094141006},{"word":"the","start":597.645,"end":597.725,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001461166888475418},{"word":"questions","start":597.725,"end":598.045,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.002057025209069252},{"word":"you've","start":598.045,"end":598.285,"confidence":0.96362305,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.004439136013388634},{"word":"never","start":598.285,"end":598.52496,"confidence":0.9980469,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.0064630089327692986},{"word":"thought","start":598.52496,"end":598.845,"confidence":0.9980469,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.0120512917637825},{"word":"about","start":598.845,"end":599.165,"confidence":0.7817383,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012605094350874424},{"word":"answering","start":599.165,"end":599.665,"confidence":0.8601074,"punctuated_word":"answering.","sentiment":"neutral","sentiment_score":-0.02614673599600792},{"word":"yep","start":607.725,"end":608.225,"confidence":0.83203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10298844426870346},{"word":"yep","start":608.365,"end":608.865,"confidence":0.8996582,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2741159200668335},{"word":"yeah","start":613.67004,"end":613.99005,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.30827587842941284},{"word":"beautiful","start":613.99005,"end":614.49005,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6674489974975586},{"word":"so","start":614.63,"end":614.95,"confidence":0.7705078,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.44565242528915405},{"word":"hopefully","start":614.95,"end":615.45,"confidence":0.9995117,"punctuated_word":"hopefully,","sentiment":"positive","sentiment_score":0.4531700909137726},{"word":"provide","start":615.51,"end":615.91003,"confidence":0.92333984,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4760894477367401},{"word":"that","start":615.91003,"end":616.07,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4351553916931152},{"word":"as","start":616.07,"end":616.31006,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29250070452690125},{"word":"a","start":616.31006,"end":616.39,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31268709897994995},{"word":"bit","start":616.39,"end":616.55005,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.35158345103263855},{"word":"of","start":616.55005,"end":616.71,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34390372037887573},{"word":"a","start":616.71,"end":617.03,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3414027690887451},{"word":"a","start":617.03,"end":617.19,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31994879245758057},{"word":"transitional","start":617.19,"end":617.69,"confidence":0.9980469,"punctuated_word":"transitional","sentiment":"positive","sentiment_score":0.3826918303966522},{"word":"of","start":618.07,"end":618.31006,"confidence":0.99316406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3678162693977356},{"word":"wealth","start":618.31006,"end":618.63,"confidence":1.0,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.5146175026893616},{"word":"and","start":618.63,"end":618.87006,"confidence":0.9855957,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.2843477129936218},{"word":"you","start":618.87006,"end":619.03,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22783860564231873},{"word":"know","start":619.03,"end":619.27,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2157127857208252},{"word":"keep","start":619.27,"end":619.51,"confidence":0.99316406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.28659841418266296},{"word":"the","start":619.51,"end":619.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30879291892051697},{"word":"business","start":619.59,"end":619.99005,"confidence":0.99902344,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.18035726249217987},{"word":"in","start":619.99005,"end":620.15,"confidence":0.9589844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2283742129802704},{"word":"the","start":620.15,"end":620.23004,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23299193382263184},{"word":"family","start":620.23004,"end":620.73004,"confidence":0.9909668,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":0.2682785391807556},{"word":"yep","start":620.87006,"end":621.285,"confidence":0.986084,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12782180309295654},{"word":"yeah","start":623.045,"end":623.44495,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29514190554618835},{"word":"beautiful","start":623.44495,"end":623.94495,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5679812431335449},{"word":"well","start":624.485,"end":624.88495,"confidence":0.99853516,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.33816948533058167},{"word":"hopefully","start":624.88495,"end":625.285,"confidence":0.98291016,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.32921653985977173},{"word":"one","start":625.285,"end":625.44495,"confidence":0.9921875,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.339888334274292},{"word":"of","start":625.44495,"end":625.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2912954092025757},{"word":"them","start":625.605,"end":625.76495,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.20224815607070923},{"word":"wants","start":625.76495,"end":626.08496,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.2312510311603546},{"word":"to","start":626.08496,"end":626.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24523957073688507},{"word":"take","start":626.165,"end":626.40497,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2382510751485825},{"word":"on","start":626.40497,"end":626.64496,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.30908718705177307},{"word":"that","start":626.64496,"end":626.805,"confidence":0.9848633,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.34322071075439453},{"word":"that","start":626.805,"end":627.045,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.683301568031311},{"word":"would","start":627.045,"end":627.285,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.6547808051109314},{"word":"be","start":627.285,"end":627.44495,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7199925184249878},{"word":"fantastic","start":627.44495,"end":627.94495,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7840701937675476},{"word":"to","start":628.165,"end":628.32495,"confidence":0.95947266,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7681982517242432},{"word":"see","start":628.32495,"end":628.565,"confidence":0.9980469,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.7689263820648193},{"word":"everything","start":628.565,"end":628.96497,"confidence":0.984375,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.8295130133628845},{"word":"you've","start":628.96497,"end":629.20496,"confidence":0.9897461,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.7234735488891602},{"word":"built","start":629.20496,"end":629.44495,"confidence":0.9448242,"punctuated_word":"built","sentiment":"positive","sentiment_score":0.7955338358879089},{"word":"and","start":629.44495,"end":629.685,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7105917930603027},{"word":"worked","start":629.685,"end":629.925,"confidence":0.9472656,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.6599300503730774},{"word":"so","start":629.925,"end":630.165,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6939480304718018},{"word":"hard","start":630.165,"end":630.485,"confidence":1.0,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.6625754237174988},{"word":"for","start":630.485,"end":630.725,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6795862913131714},{"word":"continues","start":630.725,"end":631.225,"confidence":0.9667969,"punctuated_word":"continues","sentiment":"positive","sentiment_score":0.707021951675415},{"word":"for","start":631.365,"end":631.52496,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6740550994873047},{"word":"them","start":631.52496,"end":632.02496,"confidence":1.0,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.5663318634033203},{"word":"yeah","start":633.76495,"end":634.245,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3963604867458343},{"word":"excellent","start":634.245,"end":634.745,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6129106283187866},{"word":"lovely","start":635.045,"end":635.545,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.5389422178268433},{"word":"the","start":636.23,"end":636.38995,"confidence":0.93847656,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14828099310398102},{"word":"next","start":636.38995,"end":636.70996,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07725414633750916},{"word":"document","start":636.70996,"end":637.11,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08039749413728714},{"word":"you'll","start":637.11,"end":637.43,"confidence":0.9921875,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.058170050382614136},{"word":"see","start":637.43,"end":637.75,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03151179105043411},{"word":"in","start":637.75,"end":637.82996,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03353317081928253},{"word":"there","start":637.82996,"end":638.06995,"confidence":0.9707031,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.057678915560245514},{"word":"oh","start":638.14996,"end":638.31,"confidence":0.8774414,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.06642872095108032},{"word":"sorry","start":638.31,"end":638.47,"confidence":0.93725586,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.030166372656822205},{"word":"the","start":638.47,"end":638.62994,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.005252661183476448},{"word":"one","start":638.62994,"end":638.87,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.006758738309144974},{"word":"before","start":638.87,"end":639.11,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.010224223136901855},{"word":"we","start":639.11,"end":639.35,"confidence":0.9199219,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0066346675157547},{"word":"were","start":639.35,"end":639.50995,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.008323093876242638},{"word":"looking","start":639.50995,"end":639.75,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.010243797674775124},{"word":"at","start":639.75,"end":639.91,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.009128544479608536},{"word":"with","start":639.91,"end":640.06995,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.025143783539533615},{"word":"your","start":640.06995,"end":640.38995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0631457045674324},{"word":"super","start":640.38995,"end":640.70996,"confidence":0.8964844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06754617393016815},{"word":"balance","start":640.70996,"end":640.94995,"confidence":0.94677734,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.07025186717510223},{"word":"it","start":640.94995,"end":641.11,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06388804316520691},{"word":"also","start":641.11,"end":641.35,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06787551939487457},{"word":"has","start":641.35,"end":641.58997,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.058296434581279755},{"word":"your","start":641.58997,"end":641.91,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03644093871116638},{"word":"insurances","start":641.91,"end":642.41,"confidence":0.98706055,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.032916128635406494},{"word":"attached","start":642.62994,"end":643.02997,"confidence":0.99609375,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.037663351744413376},{"word":"there","start":643.02997,"end":643.52997,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05663346499204635},{"word":"so","start":643.67,"end":643.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03807634860277176},{"word":"now","start":643.91,"end":644.14996,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.03256143629550934},{"word":"with","start":644.14996,"end":644.38995,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03852178156375885},{"word":"your","start":644.38995,"end":644.70996,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03669199347496033},{"word":"insurance","start":644.70996,"end":645.20996,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.023338939994573593},{"word":"cover","start":645.26996,"end":645.50995,"confidence":0.99560547,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.0338578037917614},{"word":"you've","start":645.50995,"end":645.75,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05962425470352173},{"word":"got","start":645.75,"end":645.91,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08745037764310837},{"word":"your","start":645.91,"end":646.06995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0671980232000351},{"word":"life","start":646.06995,"end":646.31,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08903668820858002},{"word":"and","start":646.31,"end":646.55,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07922467589378357},{"word":"your","start":646.55,"end":646.70996,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06763987243175507},{"word":"total","start":646.70996,"end":647.11,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.0595732256770134},{"word":"permanent","start":647.11,"end":647.58997,"confidence":0.99902344,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.036792509257793427},{"word":"disability","start":647.58997,"end":648.08997,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.026178456842899323},{"word":"cover","start":648.23,"end":648.62994,"confidence":0.9941406,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.046519868075847626},{"word":"so","start":648.62994,"end":648.87,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041621603071689606},{"word":"with","start":648.87,"end":649.11,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03088232129812241},{"word":"your","start":649.11,"end":649.35,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03743772953748703},{"word":"current","start":649.35,"end":649.85,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.019632380455732346},{"word":"life","start":649.99,"end":650.38995,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.02955690398812294},{"word":"benefit","start":650.38995,"end":650.88995,"confidence":0.9921875,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.04569613188505173},{"word":"if","start":651.245,"end":651.32495,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04106543958187103},{"word":"you","start":651.32495,"end":651.565,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04491789638996124},{"word":"were","start":651.565,"end":651.64496,"confidence":0.98291016,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.02111043781042099},{"word":"to","start":651.64496,"end":651.88495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01863478496670723},{"word":"pass","start":651.88495,"end":652.20496,"confidence":0.99121094,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.00806417316198349},{"word":"away","start":652.20496,"end":652.685,"confidence":0.9980469,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.014874707907438278},{"word":"today","start":652.685,"end":653.185,"confidence":0.9980469,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.06034137308597565},{"word":"the","start":653.245,"end":653.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07362577319145203},{"word":"life","start":653.485,"end":653.725,"confidence":0.95166016,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03759180381894112},{"word":"benefit","start":653.725,"end":654.20496,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06166522949934006},{"word":"pays","start":654.20496,"end":654.445,"confidence":0.94628906,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.03501494601368904},{"word":"out","start":654.445,"end":654.76495,"confidence":0.6357422,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0734921246767044},{"word":"593,745","start":654.76495,"end":658.305,"confidence":0.98419744,"punctuated_word":"593,745.","sentiment":"neutral","sentiment_score":0.05569150671362877},{"word":"if","start":659.165,"end":659.32495,"confidence":0.6230469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03479549288749695},{"word":"you","start":659.32495,"end":659.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029327405616641045},{"word":"think","start":659.485,"end":659.805,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.008414283394813538},{"word":"about","start":659.805,"end":660.305,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.021700643002986908},{"word":"that","start":660.605,"end":661.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02685448527336121},{"word":"scenario","start":661.005,"end":661.505,"confidence":1.0,"punctuated_word":"scenario","sentiment":"neutral","sentiment_score":0.02806633710861206},{"word":"and","start":661.725,"end":661.96497,"confidence":0.89453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.021309401839971542},{"word":"with","start":661.96497,"end":662.125,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02560756728053093},{"word":"your","start":662.125,"end":662.365,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04182930290699005},{"word":"life","start":662.365,"end":662.605,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.023668084293603897},{"word":"cover","start":662.605,"end":663.005,"confidence":0.93969727,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.0420416034758091},{"word":"if","start":663.005,"end":663.165,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04885844886302948},{"word":"you","start":663.165,"end":663.32495,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03975600004196167},{"word":"were","start":663.32495,"end":663.565,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.03174765408039093},{"word":"to","start":663.565,"end":663.64496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03721730783581734},{"word":"also","start":663.64496,"end":664.14496,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.030769646167755127},{"word":"pass","start":664.25,"end":664.41,"confidence":0.93603516,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.005780182778835297},{"word":"away","start":664.41,"end":664.64996,"confidence":0.9980469,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.009394582360982897},{"word":"today","start":664.64996,"end":664.88995,"confidence":0.97265625,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.07589171826839447},{"word":"your","start":664.88995,"end":665.20996,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07965606451034546},{"word":"super","start":665.20996,"end":665.45,"confidence":0.98828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08404603600502014},{"word":"balance","start":665.45,"end":665.76996,"confidence":0.78027344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1226549744606018},{"word":"is","start":665.76996,"end":665.85,"confidence":0.8588867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08947974443435669},{"word":"paid","start":665.85,"end":666.08997,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0882808119058609},{"word":"out","start":666.08997,"end":666.32996,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11073963344097136},{"word":"on","start":666.32996,"end":666.41,"confidence":0.9760742,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13596639037132263},{"word":"top","start":666.41,"end":666.64996,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.11876638233661652},{"word":"of","start":666.64996,"end":666.73,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14400997757911682},{"word":"that","start":666.73,"end":666.81,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15512104332447052},{"word":"to","start":666.81,"end":666.97,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15373891592025757},{"word":"your","start":666.97,"end":667.20996,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12911200523376465},{"word":"beneficiaries","start":667.20996,"end":667.70996,"confidence":0.9577637,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.17545613646507263},{"word":"which","start":668.41,"end":668.64996,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18207938969135284},{"word":"essentially","start":668.64996,"end":669.14996,"confidence":0.984375,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.13854315876960754},{"word":"means","start":669.20996,"end":669.52997,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.10924819856882095},{"word":"that","start":669.52997,"end":669.76996,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1434476524591446},{"word":"that","start":669.76996,"end":670.17,"confidence":0.7495117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14946666359901428},{"word":"they","start":670.17,"end":670.41,"confidence":0.8881836,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13427232205867767},{"word":"could","start":670.41,"end":670.73,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.13768772780895233},{"word":"receive","start":670.73,"end":671.23,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.11256130039691924},{"word":"around","start":672.25,"end":672.57,"confidence":0.8198242,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.13769324123859406},{"word":"about","start":672.57,"end":672.88995,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13317272067070007},{"word":"740,000","start":672.88995,"end":674.82996,"confidence":0.98813474,"punctuated_word":"740,000.","sentiment":"neutral","sentiment_score":0.13372403383255005},{"word":"in","start":675.52997,"end":675.76996,"confidence":0.82910156,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.018698398023843765},{"word":"the","start":675.76996,"end":676.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01886535063385963},{"word":"event","start":676.01,"end":676.41,"confidence":0.9980469,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.009254958480596542},{"word":"of","start":676.41,"end":676.73,"confidence":0.96899414,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.006079666316509247},{"word":"say","start":676.73,"end":676.97,"confidence":0.98828125,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0027452632784843445},{"word":"you","start":676.97,"end":677.29,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006579261273145676},{"word":"passing","start":677.29,"end":677.79,"confidence":0.9885254,"punctuated_word":"passing,","sentiment":"neutral","sentiment_score":0.0007474906742572784},{"word":"what","start":677.93,"end":678.17,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.009882673621177672},{"word":"is","start":678.17,"end":678.32996,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.004800517112016678},{"word":"it","start":678.32996,"end":678.41,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027788128703832623},{"word":"that","start":678.41,"end":678.57,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008475899696350098},{"word":"you","start":678.57,"end":678.64996,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0034440085291862488},{"word":"where","start":678.81,"end":679.05,"confidence":0.99121094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.010374203324317932},{"word":"do","start":679.05,"end":679.20996,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.006464213132858276},{"word":"you","start":679.20996,"end":679.37,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01848879456520081},{"word":"want","start":679.37,"end":679.52997,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.012354262173175812},{"word":"that","start":679.52997,"end":679.69,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0324370302259922},{"word":"money","start":679.69,"end":680.145,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03950908035039902},{"word":"paid","start":680.145,"end":680.305,"confidence":0.98095703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0320800356566906},{"word":"to","start":680.305,"end":680.54504,"confidence":0.8034668,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.04014883935451507},{"word":"and","start":680.54504,"end":680.625,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011539790779352188},{"word":"what","start":680.625,"end":680.705,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.016109194606542587},{"word":"is","start":680.705,"end":681.025,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024873659014701843},{"word":"it","start":681.025,"end":681.10504,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04956880211830139},{"word":"that","start":681.10504,"end":681.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02154836431145668},{"word":"you're","start":681.265,"end":681.42505,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03336748853325844},{"word":"hoping","start":681.42505,"end":681.905,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.030948448926210403},{"word":"to","start":681.905,"end":681.98505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05195876955986023},{"word":"have","start":681.98505,"end":682.145,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06952253729104996},{"word":"that","start":682.145,"end":682.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04780280217528343},{"word":"cover","start":682.385,"end":682.885,"confidence":0.9980469,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":0.028465265408158302},{"word":"yep","start":687.185,"end":687.685,"confidence":0.89941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1282248497009277},{"word":"yep","start":690.625,"end":691.125,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05688845366239548},{"word":"yeah","start":710.76495,"end":711.165,"confidence":0.9050293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021563954651355743},{"word":"wow","start":711.165,"end":711.665,"confidence":0.9909668,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.015527348034083843},{"word":"yeah","start":712.52496,"end":713.02496,"confidence":0.76464844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009122581221163273},{"word":"yep","start":714.605,"end":714.925,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0040775081142783165},{"word":"are","start":714.925,"end":715.165,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.010366395115852356},{"word":"they","start":715.165,"end":715.32495,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.008106430992484093},{"word":"in","start":715.32495,"end":715.56494,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010193048045039175},{"word":"private","start":715.56494,"end":715.96497,"confidence":0.99902344,"punctuated_word":"private","sentiment":"neutral","sentiment_score":-0.008289143443107605},{"word":"school","start":715.96497,"end":716.285,"confidence":0.8310547,"punctuated_word":"school?","sentiment":"neutral","sentiment_score":-0.008382650092244148},{"word":"are","start":716.285,"end":716.44495,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.007372599095106125},{"word":"they","start":716.44495,"end":716.76495,"confidence":0.8442383,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.011619826778769491},{"word":"or","start":716.76495,"end":717.26495,"confidence":0.9941406,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.008197242394089699},{"word":"yeah","start":718.925,"end":719.425,"confidence":0.9421387,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.009192708879709244},{"word":"yep","start":719.485,"end":719.805,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010277928784489632},{"word":"and","start":719.805,"end":719.96497,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.00022703967988491056},{"word":"with","start":719.96497,"end":720.20496,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01209624856710434},{"word":"the","start":720.20496,"end":720.365,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010609220713377},{"word":"mortgage","start":720.365,"end":720.845,"confidence":0.99609375,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.010327993892133236},{"word":"i","start":720.845,"end":720.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013943832367658617},{"word":"had","start":720.925,"end":721.165,"confidence":0.81347656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.029329558834433556},{"word":"you","start":721.165,"end":721.40497,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02293845452368259},{"word":"owing","start":721.40497,"end":721.725,"confidence":0.98828125,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.028911668807268143},{"word":"about","start":721.725,"end":721.98,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.013760920614004137},{"word":"500,000","start":721.98,"end":722.94,"confidence":1.0,"punctuated_word":"500,000","sentiment":"neutral","sentiment_score":-0.0034849904477596283},{"word":"on","start":722.94,"end":723.1,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.024812575429677963},{"word":"that","start":723.1,"end":723.26,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.028636394068598747},{"word":"what","start":723.26,"end":723.5,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.03222886100411415},{"word":"do","start":723.5,"end":723.66,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.033946260809898376},{"word":"you","start":723.66,"end":723.74,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0311774592846632},{"word":"owe","start":723.74,"end":723.89996,"confidence":0.99609375,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.035834379494190216},{"word":"on","start":723.89996,"end":724.06,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04860031977295875},{"word":"the","start":724.06,"end":724.13995,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04296217113733291},{"word":"mortgage","start":724.13995,"end":724.54,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.03745632991194725},{"word":"currently","start":724.54,"end":725.04,"confidence":0.99609375,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":-0.02781924605369568},{"word":"okay","start":729.89996,"end":730.38,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04820845276117325},{"word":"so","start":730.38,"end":730.54,"confidence":0.88134766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0434991791844368},{"word":"if","start":730.54,"end":730.69995,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04823083430528641},{"word":"we","start":730.69995,"end":730.86,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06561757624149323},{"word":"base","start":730.86,"end":731.1,"confidence":0.9448242,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.06326022744178772},{"word":"it","start":731.1,"end":731.26,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0689253956079483},{"word":"on","start":731.26,"end":731.42,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0661235824227333},{"word":"485,000","start":731.42,"end":733.1,"confidence":0.9463094,"punctuated_word":"485,000.","sentiment":"neutral","sentiment_score":0.05310988053679466},{"word":"so","start":733.1,"end":733.6,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06316288560628891},{"word":"as","start":733.66,"end":733.89996,"confidence":0.82470703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05823573097586632},{"word":"an","start":733.89996,"end":734.06,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06429032236337662},{"word":"example","start":734.06,"end":734.38,"confidence":0.99609375,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.042128074914216995},{"word":"if","start":734.38,"end":734.54,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06607044488191605},{"word":"you","start":734.54,"end":734.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06301149725914001},{"word":"were","start":734.62,"end":734.77997,"confidence":0.77001953,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.020103007555007935},{"word":"to","start":734.77997,"end":734.94,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0027658268809318542},{"word":"pass","start":734.94,"end":735.18,"confidence":0.9760742,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.04002367705106735},{"word":"away","start":735.18,"end":735.42,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.01322191208600998},{"word":"today","start":735.42,"end":735.92,"confidence":0.99316406,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.005706470459699631},{"word":"that","start":736.025,"end":736.34503,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.043369412422180176},{"word":"$740,007.04","start":736.34503,"end":738.505,"confidence":0.94657385,"punctuated_word":"$740,007.04","sentiment":"neutral","sentiment_score":0.02168193645775318},{"word":"7","start":738.505,"end":738.825,"confidence":1.0,"punctuated_word":"7","sentiment":"neutral","sentiment_score":0.03963164612650871},{"word":"is","start":738.825,"end":739.065,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03133696690201759},{"word":"paid","start":739.065,"end":739.305,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.05568762868642807},{"word":"out","start":739.305,"end":739.625,"confidence":0.46496582,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.04613826423883438},{"word":"it","start":739.625,"end":739.705,"confidence":0.6689453,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05601338669657707},{"word":"covers","start":739.705,"end":740.205,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.05661929026246071},{"word":"485,000","start":740.265,"end":741.865,"confidence":0.99869794,"punctuated_word":"485,000","sentiment":"neutral","sentiment_score":0.059137847274541855},{"word":"of","start":741.865,"end":742.025,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.050712019205093384},{"word":"the","start":742.025,"end":742.265,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01783977821469307},{"word":"mortgage","start":742.265,"end":742.665,"confidence":0.9719238,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.039030153304338455},{"word":"it","start":742.665,"end":742.825,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.021259479224681858},{"word":"leaves","start":742.825,"end":743.145,"confidence":0.9819336,"punctuated_word":"leaves","sentiment":"neutral","sentiment_score":0.008741818368434906},{"word":"around","start":743.145,"end":743.465,"confidence":0.82958984,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.02877224981784821},{"word":"about","start":743.465,"end":743.705,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.013122789561748505},{"word":"$255,007.47","start":743.705,"end":746.84503,"confidence":0.9682966,"punctuated_word":"$255,007.47.","sentiment":"neutral","sentiment_score":0.026814017444849014},{"word":"that","start":747.065,"end":747.305,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.014032959938049316},{"word":"could","start":747.305,"end":747.545,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.009469524025917051},{"word":"be","start":747.545,"end":747.705,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.016443781554698944},{"word":"paid","start":747.705,"end":748.025,"confidence":0.99609375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.009191416203975676},{"word":"less","start":748.025,"end":748.265,"confidence":0.9194336,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.03863143175840378},{"word":"for","start":748.265,"end":748.425,"confidence":0.8183594,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03800949454307556},{"word":"your","start":748.425,"end":748.665,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06417125463485718},{"word":"family","start":748.665,"end":749.145,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.08153150975704193},{"word":"there","start":749.145,"end":749.645,"confidence":0.8137207,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.016802426427602768},{"word":"do","start":751.13,"end":751.37,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07950669527053833},{"word":"you","start":751.37,"end":751.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14125947654247284},{"word":"think","start":751.45,"end":751.69,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.14672911167144775},{"word":"that","start":751.69,"end":751.85004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20733335614204407},{"word":"would","start":751.85004,"end":752.09,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1868847608566284},{"word":"be","start":752.09,"end":752.59,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2614073157310486},{"word":"enough","start":752.65,"end":753.05,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.16985057294368744},{"word":"for","start":753.05,"end":753.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19849038124084473},{"word":"them","start":753.21,"end":753.45,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.222731351852417},{"word":"to","start":753.45,"end":753.61005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1787387877702713},{"word":"sort","start":753.61005,"end":753.77,"confidence":0.9580078,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.154951810836792},{"word":"of","start":753.77,"end":754.01,"confidence":0.8959961,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23557862639427185},{"word":"survive","start":754.01,"end":754.41003,"confidence":0.99609375,"punctuated_word":"survive","sentiment":"neutral","sentiment_score":0.22166533768177032},{"word":"on","start":754.41003,"end":754.57,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.289207398891449},{"word":"for","start":754.57,"end":754.69,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17920294404029846},{"word":"a","start":754.69,"end":754.81,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.171115905046463},{"word":"bit","start":754.81,"end":755.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15171387791633606},{"word":"longer","start":755.05,"end":755.45,"confidence":0.9975586,"punctuated_word":"longer?","sentiment":"neutral","sentiment_score":0.1683112233877182},{"word":"would","start":755.45,"end":755.69,"confidence":0.99902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.1394442617893219},{"word":"you","start":755.69,"end":755.85004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16202709078788757},{"word":"wanna","start":755.85004,"end":756.09,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20000600814819336},{"word":"kinda","start":756.09,"end":756.41003,"confidence":0.78125,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1867162585258484},{"word":"review","start":756.41003,"end":756.81,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1739708036184311},{"word":"the","start":756.81,"end":756.97003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2207699567079544},{"word":"life","start":756.97003,"end":757.29004,"confidence":0.96533203,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.21193334460258484},{"word":"amount","start":757.29004,"end":757.61005,"confidence":0.8173828,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.32874828577041626},{"word":"you","start":757.61005,"end":757.85004,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16378355026245117},{"word":"have","start":757.85004,"end":758.09,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21193554997444153},{"word":"to","start":758.09,"end":758.41003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18380367755889893},{"word":"boost","start":758.41003,"end":758.73004,"confidence":0.99902344,"punctuated_word":"boost","sentiment":"neutral","sentiment_score":0.2239355444908142},{"word":"the","start":758.73004,"end":758.89,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2002285122871399},{"word":"benefit","start":758.89,"end":759.29004,"confidence":0.9975586,"punctuated_word":"benefit?","sentiment":"neutral","sentiment_score":0.20571354031562805},{"word":"how","start":759.29004,"end":759.53,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.07243180274963379},{"word":"do","start":759.53,"end":759.61005,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04207403212785721},{"word":"you","start":759.61005,"end":759.77,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05026836693286896},{"word":"feel","start":759.77,"end":760.01,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.0588127076625824},{"word":"about","start":760.01,"end":760.25,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0684392899274826},{"word":"that","start":760.25,"end":760.75,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.04680868983268738},{"word":"sorry","start":768.26495,"end":768.76495,"confidence":0.97802734,"punctuated_word":"Sorry.","sentiment":"negative","sentiment_score":-0.4396761655807495},{"word":"yep","start":776.90497,"end":777.3,"confidence":0.9309082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10620266199111938},{"word":"yep","start":779.14,"end":779.64,"confidence":0.9260254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02399427816271782},{"word":"mhmm","start":786.82,"end":787.32,"confidence":0.9682617,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.024383658543229103},{"word":"yep","start":787.86,"end":788.36,"confidence":0.9123535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003215799806639552},{"word":"yep","start":800.995,"end":801.315,"confidence":0.923584,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04172908887267113},{"word":"that's","start":801.315,"end":801.555,"confidence":0.7902832,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05635378882288933},{"word":"it","start":801.555,"end":802.055,"confidence":0.9916992,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.038389839231967926},{"word":"yeah","start":802.51495,"end":803.01495,"confidence":0.9692383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04217096418142319},{"word":"yeah","start":805.71497,"end":806.21497,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05039016529917717},{"word":"yeah","start":806.355,"end":806.855,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.052610501646995544},{"word":"5","start":807.02,"end":807.26,"confidence":0.99902344,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.04056624695658684},{"word":"193","start":807.26,"end":808.3,"confidence":0.9481201,"punctuated_word":"193","sentiment":"neutral","sentiment_score":0.047713808715343475},{"word":"and","start":808.3,"end":808.62,"confidence":0.6425781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041515421122312546},{"word":"then","start":808.62,"end":808.86,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.058373600244522095},{"word":"an","start":808.86,"end":809.02,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05929030105471611},{"word":"extra","start":809.02,"end":809.34,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.05337707698345184},{"word":"147","start":809.34,"end":810.38,"confidence":0.98651123,"punctuated_word":"147,","sentiment":"neutral","sentiment_score":0.050689470022916794},{"word":"which","start":810.38,"end":810.62,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0796855166554451},{"word":"is","start":810.62,"end":810.78,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0731222927570343},{"word":"your","start":810.78,"end":811.02,"confidence":0.76171875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09205831587314606},{"word":"super","start":811.02,"end":811.34,"confidence":0.9863281,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10811677575111388},{"word":"balance","start":811.34,"end":811.74,"confidence":0.9770508,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.08328615874052048},{"word":"paid","start":811.74,"end":812.06,"confidence":0.98535156,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10122287273406982},{"word":"out","start":812.06,"end":812.3,"confidence":0.9116211,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07824704051017761},{"word":"as","start":812.3,"end":812.46,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08142118155956268},{"word":"well","start":812.46,"end":812.96,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05601730197668075},{"word":"yeah","start":813.1,"end":813.58,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06659144163131714},{"word":"yeah","start":813.58,"end":814.08,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07978765666484833},{"word":"that's","start":814.94,"end":815.34,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12921933829784393},{"word":"okay","start":815.34,"end":815.82,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14086586236953735},{"word":"if","start":815.82,"end":816.06,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09074848890304564},{"word":"you","start":816.06,"end":816.22003,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05463060736656189},{"word":"if","start":816.22003,"end":816.46,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06488925218582153},{"word":"you","start":816.46,"end":816.62,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05106703191995621},{"word":"want","start":816.62,"end":816.86,"confidence":0.99658203,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.04536276310682297},{"word":"you","start":816.86,"end":817.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040621571242809296},{"word":"can","start":817.02,"end":817.26,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03730040788650513},{"word":"always","start":817.26,"end":817.76,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.024391505867242813},{"word":"sit","start":817.82,"end":818.06,"confidence":0.8203125,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.03771941363811493},{"word":"on","start":818.06,"end":818.22003,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":8.169561624526978e-6},{"word":"that","start":818.22003,"end":818.3,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015949230641126633},{"word":"for","start":818.3,"end":818.46,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02005651406943798},{"word":"the","start":818.46,"end":818.7,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017002597451210022},{"word":"moi","start":818.7,"end":819.2,"confidence":0.58414716,"punctuated_word":"moi.","sentiment":"neutral","sentiment_score":-0.00837605819106102},{"word":"sorry","start":819.225,"end":819.725,"confidence":0.9296875,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.08669517934322357},{"word":"it","start":825.785,"end":826.02496,"confidence":0.87841797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2326320707798004},{"word":"does","start":826.02496,"end":826.26495,"confidence":0.8354492,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.13830173015594482},{"word":"increase","start":826.26495,"end":826.745,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.14177608489990234},{"word":"the","start":826.745,"end":826.90497,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11648665368556976},{"word":"cost","start":826.90497,"end":827.225,"confidence":0.99902344,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.12044336646795271},{"word":"of","start":827.225,"end":827.38495,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12812918424606323},{"word":"it","start":827.38495,"end":827.625,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.14447560906410217},{"word":"i","start":827.625,"end":827.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05838893353939056},{"word":"can","start":827.865,"end":828.26495,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04098227620124817},{"word":"jump","start":828.26495,"end":828.665,"confidence":1.0,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.0048533231019973755},{"word":"into","start":828.665,"end":829.14496,"confidence":0.9560547,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.02928822487592697},{"word":"the","start":829.14496,"end":829.38495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028951354324817657},{"word":"insurer","start":829.38495,"end":829.865,"confidence":0.6972656,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":-0.021463923156261444},{"word":"and","start":829.865,"end":830.02496,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028239592909812927},{"word":"have","start":830.02496,"end":830.26495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03829752653837204},{"word":"a","start":830.26495,"end":830.345,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0350627601146698},{"word":"quick","start":830.345,"end":830.665,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.05562920123338699},{"word":"look","start":830.665,"end":830.985,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.020147688686847687},{"word":"for","start":830.985,"end":831.225,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.037061385810375214},{"word":"you","start":831.225,"end":831.38495,"confidence":0.8210449,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.010917332023382189},{"word":"if","start":831.38495,"end":831.545,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.028866074979305267},{"word":"you","start":831.545,"end":831.70496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027158841490745544},{"word":"want","start":831.70496,"end":831.94495,"confidence":0.99902344,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.03505972400307655},{"word":"we","start":831.94495,"end":832.105,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.049393586814403534},{"word":"can","start":832.105,"end":832.26495,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02981410175561905},{"word":"sort","start":832.26495,"end":832.505,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.007103823125362396},{"word":"of","start":832.505,"end":832.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007815487682819366},{"word":"assess","start":832.745,"end":833.14496,"confidence":0.9951172,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.02921394258737564},{"word":"and","start":833.14496,"end":833.305,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008696205914020538},{"word":"look","start":833.305,"end":833.545,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.008590303361415863},{"word":"at","start":833.545,"end":833.94,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007397636771202087},{"word":"what","start":834.18,"end":834.42,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011411137878894806},{"word":"the","start":834.42,"end":834.66,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03927130997180939},{"word":"cost","start":834.66,"end":834.98,"confidence":1.0,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.05728040635585785},{"word":"difference","start":834.98,"end":835.46,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.06995117664337158},{"word":"might","start":835.46,"end":835.7,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.06987924128770828},{"word":"be","start":835.7,"end":836.2,"confidence":0.99902344,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.06608690321445465},{"word":"two","start":837.22003,"end":837.72003,"confidence":0.80322266,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.04055831953883171},{"word":"seconds","start":837.94,"end":838.44,"confidence":0.98999023,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.03623469918966293},{"word":"yeah","start":850.59503,"end":851.09503,"confidence":0.85668945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07176388055086136},{"word":"yeah","start":858.74,"end":859.24,"confidence":0.8156738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0022203009575605392},{"word":"neos","start":859.3,"end":859.77997,"confidence":0.8796387,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.012520134449005129},{"word":"is","start":859.77997,"end":859.94,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003410249948501587},{"word":"the","start":859.94,"end":860.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009638816118240356},{"word":"insurer","start":860.1,"end":860.6,"confidence":0.98168945,"punctuated_word":"insurer.","sentiment":"neutral","sentiment_score":0.001378912478685379},{"word":"absolutely","start":860.74,"end":861.24,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.03629585355520248},{"word":"yeah","start":862.18,"end":862.68,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005052080377936363},{"word":"i'm","start":862.74,"end":862.98,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06484919041395187},{"word":"just","start":862.98,"end":863.22,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07249045372009277},{"word":"logging","start":863.22,"end":863.7,"confidence":0.9453125,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":-0.06315220147371292},{"word":"in","start":863.7,"end":864.02,"confidence":0.99072266,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.06107380986213684},{"word":"won't","start":864.02,"end":864.18,"confidence":0.8762207,"punctuated_word":"Won't","sentiment":"neutral","sentiment_score":-0.1613210141658783},{"word":"be","start":864.18,"end":864.42,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16741740703582764},{"word":"one","start":864.42,"end":864.74,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2045241892337799},{"word":"second","start":864.74,"end":865.14,"confidence":0.98706055,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":-0.15698590874671936},{"word":"so","start":865.14,"end":865.38,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09357824176549911},{"word":"sorry","start":865.38,"end":865.88,"confidence":0.99658203,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.05343285948038101},{"word":"yeah","start":872.895,"end":873.135,"confidence":0.81347656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07581216841936111},{"word":"that's","start":873.135,"end":873.61505,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2146233767271042},{"word":"correct","start":873.61505,"end":874.11505,"confidence":1.0,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.237544447183609},{"word":"yeah","start":874.17505,"end":874.67505,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09854092448949814},{"word":"pardon","start":874.73505,"end":875.135,"confidence":0.90063477,"punctuated_word":"Pardon","sentiment":"neutral","sentiment_score":-0.0991562157869339},{"word":"me","start":875.135,"end":875.215,"confidence":0.9914551,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.059787627309560776},{"word":"and","start":875.215,"end":875.375,"confidence":0.81225586,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.03787688538432121},{"word":"yeah","start":875.375,"end":875.61505,"confidence":0.9885254,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04151622951030731},{"word":"look","start":875.61505,"end":875.85504,"confidence":0.8054199,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.06373362988233566},{"word":"your","start":875.85504,"end":876.09503,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1488160789012909},{"word":"insurance","start":876.09503,"end":876.49506,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.16670623421669006},{"word":"premiums","start":876.49506,"end":876.895,"confidence":0.66845703,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":-0.11895474791526794},{"word":"when","start":876.895,"end":877.05505,"confidence":0.8881836,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.059927091002464294},{"word":"you","start":877.05505,"end":877.215,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07146285474300385},{"word":"think","start":877.215,"end":877.455,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.052472423762083054},{"word":"about","start":877.455,"end":877.61505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06993034482002258},{"word":"the","start":877.61505,"end":877.775,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03525818884372711},{"word":"life","start":877.775,"end":878.09503,"confidence":0.7907715,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.030598148703575134},{"word":"the","start":878.09503,"end":878.255,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009487710893154144},{"word":"tpd","start":878.255,"end":878.655,"confidence":0.9223633,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.015403175726532936},{"word":"and","start":878.655,"end":878.895,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019918344914913177},{"word":"the","start":878.895,"end":879.05505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015381477773189545},{"word":"income","start":879.05505,"end":879.455,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.052512072026729584},{"word":"protection","start":879.455,"end":879.955,"confidence":0.9885254,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.018298588693141937},{"word":"your","start":880.815,"end":881.05505,"confidence":0.7441406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.041560664772987366},{"word":"current","start":881.05505,"end":881.455,"confidence":0.9873047,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.03206143528223038},{"word":"insurance","start":881.455,"end":881.955,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.01579199731349945},{"word":"premiums","start":882.015,"end":882.515,"confidence":0.91796875,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":0.05245039984583855},{"word":"you","start":882.575,"end":882.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09958536177873611},{"word":"are","start":882.815,"end":883.135,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08606714755296707},{"word":"paying","start":883.135,"end":883.53503,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.10494130104780196},{"word":"well","start":883.695,"end":883.93506,"confidence":0.7705078,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09462571144104004},{"word":"the","start":883.93506,"end":884.17505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013953834772109984},{"word":"insurer","start":884.17505,"end":884.575,"confidence":0.89501953,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.05121567100286484},{"word":"is","start":884.575,"end":884.815,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012351356446743011},{"word":"receiving","start":884.815,"end":885.315,"confidence":1.0,"punctuated_word":"receiving","sentiment":"neutral","sentiment_score":0.060855016112327576},{"word":"about","start":885.375,"end":885.775,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012083180248737335},{"word":"9,400","start":885.775,"end":887.315,"confidence":0.95495605,"punctuated_word":"9,400,","sentiment":"neutral","sentiment_score":0.01332238595932722},{"word":"and","start":887.87,"end":888.02997,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03693625330924988},{"word":"the","start":888.02997,"end":888.19,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06975142657756805},{"word":"amount","start":888.19,"end":888.51,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.029020965099334717},{"word":"that","start":888.51,"end":888.58997,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04266686737537384},{"word":"you've","start":888.58997,"end":888.83,"confidence":0.9794922,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.053922753781080246},{"word":"paid","start":888.83,"end":889.07,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.008225858211517334},{"word":"out","start":889.07,"end":889.23,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.013949833810329436},{"word":"if","start":889.23,"end":889.39,"confidence":0.54345703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.058371566236019135},{"word":"you're","start":889.39,"end":889.55,"confidence":0.664917,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0791054368019104},{"word":"super","start":889.55,"end":889.95,"confidence":0.62841797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.017736822366714478},{"word":"for","start":889.95,"end":890.26996,"confidence":0.3894043,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.059453025460243225},{"word":"this","start":890.26996,"end":890.58997,"confidence":0.97314453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03382595628499985},{"word":"year","start":890.58997,"end":890.91,"confidence":0.9819336,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.022007763385772705},{"word":"is","start":890.91,"end":891.07,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06444993615150452},{"word":"about","start":891.07,"end":891.55,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07031124830245972},{"word":"7,990","start":891.55,"end":893.63,"confidence":0.9654134,"punctuated_word":"7,990","sentiment":"neutral","sentiment_score":-0.01418021135032177},{"word":"and","start":893.63,"end":893.87,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08277387917041779},{"word":"3¢","start":893.87,"end":894.75,"confidence":0.9951172,"punctuated_word":"3¢."},{"word":"so","start":894.75,"end":895.25,"confidence":0.8798828,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.27445584535598755},{"word":"realistically","start":895.31,"end":895.81,"confidence":0.9995117,"punctuated_word":"realistically,","sentiment":"negative","sentiment_score":-0.364829421043396},{"word":"for","start":896.11,"end":896.35,"confidence":0.98535156,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.42141517996788025},{"word":"your","start":896.35,"end":896.67,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4312403202056885},{"word":"agent","start":896.67,"end":897.07,"confidence":0.703125,"punctuated_word":"agent","sentiment":"negative","sentiment_score":-0.3771934807300568},{"word":"stage","start":897.07,"end":897.55,"confidence":0.7138672,"punctuated_word":"stage","sentiment":"negative","sentiment_score":-0.37973320484161377},{"word":"and","start":897.55,"end":897.79,"confidence":0.99121094,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.402959942817688},{"word":"the","start":897.79,"end":897.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.314822793006897},{"word":"level","start":897.95,"end":898.26996,"confidence":1.0,"punctuated_word":"level","sentiment":"negative","sentiment_score":-0.3608953654766083},{"word":"of","start":898.26996,"end":898.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2847631573677063},{"word":"cover","start":898.43,"end":898.91,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"negative","sentiment_score":-0.34774303436279297},{"word":"you","start":898.91,"end":899.14996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3475109934806824},{"word":"have","start":899.14996,"end":899.64996,"confidence":0.99194336,"punctuated_word":"have,","sentiment":"negative","sentiment_score":-0.391645610332489},{"word":"that","start":900.085,"end":900.165,"confidence":0.9448242,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5066214799880981},{"word":"is","start":900.165,"end":900.565,"confidence":0.9980469,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.5598213076591492},{"word":"quite","start":900.565,"end":900.885,"confidence":1.0,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.412467896938324},{"word":"expensive","start":900.885,"end":901.385,"confidence":0.9760742,"punctuated_word":"expensive.","sentiment":"negative","sentiment_score":-0.4220027923583984},{"word":"i","start":901.685,"end":901.925,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3321249485015869},{"word":"can","start":901.925,"end":902.245,"confidence":1.0,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.3789272904396057},{"word":"go","start":902.245,"end":902.485,"confidence":1.0,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.35795313119888306},{"word":"back","start":902.485,"end":902.725,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2691195011138916},{"word":"and","start":902.725,"end":902.965,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.281258225440979},{"word":"maybe","start":902.965,"end":903.365,"confidence":0.98828125,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2687849998474121},{"word":"reassess","start":903.365,"end":903.865,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":-0.18996253609657288},{"word":"the","start":903.925,"end":904.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17238743603229523},{"word":"insurances","start":904.085,"end":904.585,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.10187441110610962},{"word":"and","start":905.525,"end":905.685,"confidence":0.52197266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06510913372039795},{"word":"also","start":905.685,"end":906.005,"confidence":0.7397461,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.0695074051618576},{"word":"maybe","start":906.005,"end":906.40497,"confidence":0.9716797,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.11285588890314102},{"word":"your","start":906.40497,"end":906.645,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07985362410545349},{"word":"health","start":906.645,"end":906.885,"confidence":0.9370117,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.0757109746336937},{"word":"and","start":906.885,"end":907.125,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1145634576678276},{"word":"reassess","start":907.125,"end":907.625,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":-0.045853693038225174},{"word":"whether","start":907.845,"end":908.165,"confidence":0.9970703,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.12208134680986404},{"word":"there's","start":908.165,"end":908.40497,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.12924909591674805},{"word":"a","start":908.40497,"end":908.565,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13196250796318054},{"word":"better","start":908.565,"end":908.885,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.11089901626110076},{"word":"policy","start":908.885,"end":909.385,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.05019710212945938},{"word":"out","start":909.445,"end":909.685,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05692975968122482},{"word":"there","start":909.685,"end":910.005,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.09463948011398315},{"word":"for","start":910.005,"end":910.245,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05770254880189896},{"word":"you","start":910.245,"end":910.485,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02499836683273315},{"word":"to","start":910.485,"end":910.645,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024612732231616977},{"word":"maybe","start":910.645,"end":911.045,"confidence":0.99121094,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.017213746905326843},{"word":"give","start":911.045,"end":911.205,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.005218982696533203},{"word":"you","start":911.205,"end":911.445,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00006817281246185303},{"word":"more","start":911.445,"end":911.685,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.024303793907165527},{"word":"cover","start":911.685,"end":912.185,"confidence":0.9746094,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.05601361766457558},{"word":"absolutely","start":913.03,"end":913.53,"confidence":0.9658203,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.057209499180316925},{"word":"i","start":913.67,"end":913.83,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017698951065540314},{"word":"mean","start":913.83,"end":914.15,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.020427461713552475},{"word":"realistically","start":914.15,"end":914.65,"confidence":0.9848633,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.007778027560561895},{"word":"when","start":915.11,"end":915.27,"confidence":0.7675781,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05602550506591797},{"word":"you're","start":915.27,"end":915.51,"confidence":0.94555664,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.031467460095882416},{"word":"sort","start":915.51,"end":915.67,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04006104916334152},{"word":"of","start":915.67,"end":915.83,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05575241148471832},{"word":"in","start":915.83,"end":915.91003,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02676080167293549},{"word":"your","start":915.91003,"end":916.23,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0083160400390625},{"word":"fifties","start":916.23,"end":916.73,"confidence":0.836263,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":-0.009788289666175842},{"word":"yeah","start":917.99,"end":918.39,"confidence":0.9921875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09802863001823424},{"word":"that's","start":918.39,"end":918.63,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11030137538909912},{"word":"okay","start":918.63,"end":919.03,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05972975492477417},{"word":"so","start":919.03,"end":919.19,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0021916627883911133},{"word":"when","start":919.19,"end":919.43,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.038401782512664795},{"word":"you're","start":919.43,"end":919.59,"confidence":0.98339844,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.055715106427669525},{"word":"sort","start":919.59,"end":919.67,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09913107007741928},{"word":"of","start":919.67,"end":919.83,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06535716354846954},{"word":"in","start":919.83,"end":919.99,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06297384947538376},{"word":"your","start":919.99,"end":920.15,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.040471404790878296},{"word":"fifties","start":920.15,"end":920.55,"confidence":0.9996745,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":-0.031215287744998932},{"word":"and","start":920.55,"end":920.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05013454705476761},{"word":"sixties","start":920.71,"end":921.11,"confidence":0.99902344,"punctuated_word":"sixties,","sentiment":"neutral","sentiment_score":-0.04278352111577988},{"word":"we","start":921.11,"end":921.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06053640693426132},{"word":"kind","start":921.35,"end":921.51,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.09108054637908936},{"word":"of","start":921.51,"end":921.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13071534037590027},{"word":"expect","start":921.59,"end":921.91003,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.20798206329345703},{"word":"your","start":921.91003,"end":922.15,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17984575033187866},{"word":"insurance","start":922.15,"end":922.55,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.16709113121032715},{"word":"premiums","start":922.55,"end":923.03,"confidence":0.7080078,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.17648263275623322},{"word":"to","start":923.03,"end":923.11,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1581595540046692},{"word":"be","start":923.11,"end":923.27,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1963120400905609},{"word":"much","start":923.27,"end":923.51,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08924024552106857},{"word":"higher","start":923.51,"end":924.01,"confidence":0.96118164,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.0976751148700714},{"word":"but","start":924.47003,"end":924.63,"confidence":0.91064453,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.1265324354171753},{"word":"realistically","start":924.63,"end":925.13,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.14438071846961975},{"word":"at","start":925.43,"end":925.59,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08323437720537186},{"word":"your","start":925.59,"end":925.91003,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07350385189056396},{"word":"age","start":925.91003,"end":926.07,"confidence":0.8144531,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.10197415947914124},{"word":"and","start":926.07,"end":926.355,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09832924604415894},{"word":"stage","start":926.355,"end":926.755,"confidence":0.99121094,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":-0.12103945016860962},{"word":"they","start":926.755,"end":926.83496,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15572702884674072},{"word":"should","start":926.83496,"end":927.07495,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.16560207307338717},{"word":"not","start":927.07495,"end":927.39496,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23416921496391296},{"word":"be","start":927.39496,"end":927.555,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20707038044929504},{"word":"this","start":927.555,"end":927.875,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.17720359563827515},{"word":"high","start":927.875,"end":928.035,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.16077175736427307},{"word":"unless","start":928.035,"end":928.435,"confidence":0.9428711,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.21448703110218048},{"word":"there's","start":928.435,"end":928.595,"confidence":0.9914551,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.19064414501190183},{"word":"some","start":928.595,"end":928.83496,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1773476600646973},{"word":"kind","start":928.83496,"end":928.995,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.16854403913021088},{"word":"of","start":928.995,"end":929.15497,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13919967412948608},{"word":"reason","start":929.15497,"end":929.555,"confidence":0.9921875,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.13536787033081055},{"word":"for","start":929.555,"end":929.795,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19655577838420868},{"word":"doing","start":929.795,"end":930.195,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1765788346529007},{"word":"so","start":930.195,"end":930.695,"confidence":0.9970703,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.04645738750696182},{"word":"i'm","start":931.39496,"end":931.71497,"confidence":0.9863281,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.010403667576611042},{"word":"just","start":931.71497,"end":932.115,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011462200433015823},{"word":"yeah","start":933.635,"end":934.035,"confidence":0.97558594,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.006308656185865402},{"word":"of","start":934.035,"end":934.195,"confidence":0.99609375,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.006343847140669823},{"word":"course","start":934.195,"end":934.695,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.0006595849990844727},{"word":"yeah","start":935.71497,"end":936.21497,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011253567412495611},{"word":"that's","start":938.915,"end":939.235,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.012220739386975763},{"word":"okay","start":939.235,"end":939.555,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01604636386036873},{"word":"did","start":939.555,"end":939.71497,"confidence":0.99609375,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.015168905258178713},{"word":"you","start":939.71497,"end":939.795,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019231218844652176},{"word":"want","start":939.795,"end":940.11,"confidence":0.75341797,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.015036411583423616},{"word":"me","start":941.14996,"end":941.31,"confidence":0.45385742,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0969606265425682},{"word":"yeah","start":941.47,"end":941.97,"confidence":0.9890137,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06994982063770294},{"word":"you","start":943.47,"end":943.55,"confidence":0.75390625,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.034435536712408066},{"word":"oh","start":943.70996,"end":944.02997,"confidence":0.9343262,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.028742358088493347},{"word":"yeah","start":944.02997,"end":944.52997,"confidence":0.7883301,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06029460206627846},{"word":"i'm","start":954.745,"end":954.825,"confidence":0.8432617,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13744813203811646},{"word":"so","start":954.825,"end":955.065,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10535406321287157},{"word":"sorry","start":955.065,"end":955.465,"confidence":0.98168945,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.07856719940900803},{"word":"did","start":955.465,"end":955.705,"confidence":0.65185547,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.06221984699368477},{"word":"you","start":955.705,"end":955.945,"confidence":0.6225586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04619678109884262},{"word":"wanna","start":955.945,"end":956.265,"confidence":0.91259766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.043894410133361816},{"word":"hang","start":956.265,"end":956.505,"confidence":1.0,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.0519564263522625},{"word":"up","start":956.505,"end":956.66504,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.044436998665332794},{"word":"and","start":956.66504,"end":956.825,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07592710852622986},{"word":"make","start":956.825,"end":957.065,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11711789667606354},{"word":"that","start":957.065,"end":957.305,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02303780242800713},{"word":"phone","start":957.305,"end":957.54504,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.004517849534749985},{"word":"call","start":957.54504,"end":957.865,"confidence":0.7470703,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.006614239886403084},{"word":"and","start":957.865,"end":958.025,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005665730684995651},{"word":"i","start":958.025,"end":958.10504,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00007307901978492737},{"word":"can","start":958.10504,"end":958.265,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0103791244328022},{"word":"give","start":958.265,"end":958.42505,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.001459844410419464},{"word":"you","start":958.42505,"end":958.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0020314082503318787},{"word":"a","start":958.585,"end":958.66504,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02129507251083851},{"word":"callback","start":958.66504,"end":958.98505,"confidence":0.9892578,"punctuated_word":"callback","sentiment":"neutral","sentiment_score":-0.00954444520175457},{"word":"in","start":958.98505,"end":959.22504,"confidence":0.9819336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00934295728802681},{"word":"a","start":959.22504,"end":959.385,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.018990473821759224},{"word":"minute","start":959.385,"end":959.78503,"confidence":0.98657227,"punctuated_word":"minute?","sentiment":"neutral","sentiment_score":-0.05558744817972183},{"word":"i","start":959.78503,"end":959.945,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08168960362672806},{"word":"don't","start":959.945,"end":960.185,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04371755570173263},{"word":"mind","start":960.185,"end":960.685,"confidence":0.9995117,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":-0.05131656676530838},{"word":"yeah","start":962.98505,"end":963.385,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.056496039032936096},{"word":"absolutely","start":963.385,"end":963.885,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.06014707684516907},{"word":"not","start":966.6769,"end":966.9169,"confidence":0.99609375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.018065795302391052},{"word":"a","start":966.9169,"end":967.07684,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043397363275289536},{"word":"problem","start":967.07684,"end":967.47687,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.05842177569866181},{"word":"i'll","start":967.47687,"end":967.71686,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.022842256352305412},{"word":"call","start":967.71686,"end":967.8769,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.015729472041130066},{"word":"you","start":967.8769,"end":968.03687,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022900041192770004},{"word":"back","start":968.03687,"end":968.1969,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.010037247091531754},{"word":"in","start":968.1969,"end":968.4369,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.054654672741889954},{"word":"about","start":968.4369,"end":968.6769,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02891780436038971},{"word":"five","start":968.6769,"end":968.9169,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.03850811719894409},{"word":"minutes","start":968.9169,"end":969.15686,"confidence":1.0,"punctuated_word":"minutes.","sentiment":"neutral","sentiment_score":-0.015122381038963796},{"word":"is","start":969.15686,"end":969.3169,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.021023809909820557},{"word":"that","start":969.3169,"end":969.47687,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.047195352613925934},{"word":"okay","start":969.47687,"end":969.8769,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.031135499477386475},{"word":"no","start":969.8769,"end":970.1169,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.26068636775016785},{"word":"you're","start":970.1169,"end":970.4369,"confidence":1.0,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.07050178200006485},{"word":"fine","start":970.4369,"end":970.9369,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.04633437842130661},{"word":"all","start":971.47687,"end":971.71686,"confidence":0.9135742,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.783837616443634},{"word":"good","start":971.71686,"end":971.95685,"confidence":0.9904785,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.74932861328125},{"word":"i'll","start":971.95685,"end":972.03687,"confidence":0.9897461,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.7381950616836548},{"word":"talk","start":972.03687,"end":972.27686,"confidence":0.9243164,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5056072473526001},{"word":"that's","start":972.6769,"end":972.9969,"confidence":0.9785156,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21538206934928897},{"word":"okay","start":972.9969,"end":973.3169,"confidence":0.9890137,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.2031724601984024},{"word":"heath","start":973.3169,"end":973.5569,"confidence":0.9916992,"punctuated_word":"Heath.","sentiment":"positive","sentiment_score":0.36898380517959595},{"word":"i'll","start":973.5569,"end":973.63684,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1424369513988495},{"word":"talk","start":973.63684,"end":973.7969,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.2445164918899536},{"word":"to","start":973.7969,"end":973.8769,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22244620323181152},{"word":"you","start":973.8769,"end":973.95685,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1979343295097351},{"word":"in","start":973.95685,"end":974.1169,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1284472644329071},{"word":"a","start":974.1169,"end":974.1969,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19426944851875305},{"word":"minute","start":974.1969,"end":974.6969,"confidence":1.0,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":0.25586754083633423}],"paragraphs":{"transcript":"\nHi, Ethan. This is Dana again. I'm so sorry. You're that's absolutely fine. If it does cut out, I'll keep calling you back, so don't worry.\n\nNo issues at all. Easy. All done. All done. Easy.\n\nSo, look, honestly, it it is an important that I'm honest and open with you, and the markets haven't been great this year. We have also had the underperforming investment, but it is good that we're seeing a better recovery there. So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change, and then maybe look at whether we've gotta make any further changes. Does that sound okay with you? Fantastic.\n\nExcellent. Excellent. The other thing to sort of look at is I've had a bit of a look at the contribution side of things. You don't have any contributions going in at the moment. Okay.\n\nYep. Yep. Yep. Yep. Yes.\n\nPerfect. That's okay. Honestly, we don't judge, and life gets very busy, especially having children. Alright. All good.\n\nIs that something you're sort of hoping to maybe do over the next six months? Do you feel like you should be yep. Yep. Beautiful. Excellent.\n\nI'll make perfect. I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay? Yeah. Beautiful.\n\nSo it sounds like with your growing, business is going quite well at the moment. Yep. That's okay. Last estimated income we had you on was about 186,000. Do you feel like that's fairly accurate for what you should be earning this year as well?\n\nOr yep. Yep. That's okay. No. That's okay.\n\nWe can keep that as it is. Yeah. That's alright. Mhmm. Okay.\n\nYep. Perfect. That's alright. If you like, what we can do is I can sorta catch up with you in February. We'll do a bit of catch up, reassess everything.\n\nAnd then because, hopefully, you may have done your tax by then, we can have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself. So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense. Yeah. Fantastic. Excellent.\n\nAnd you're a builder by trade. Is that right? Yeah. Beautiful. Excellent.\n\nAnd work is picking up nicely. What kinda hours do you work on a regular average week, do you think? Yeah. Yeah. Wow.\n\nAnd is it just you, or do you have others working with you, apprentices and people that you maybe contract out? Only an apprentice. Yeah. Perfect. And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or?\n\nYeah. Perfect. Beautiful. Excellent. Good to see.\n\nExcellent. The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report. So it does show, obviously, that we've gone through that. Your performance for this year is sort of sitting at a negative 1.65%. That's for the last twelve months.\n\nBut when I kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%. So I just wanna keep reviewing that, making sure that it is recovering back. And if we don't see any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along. Okay? To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young.\n\nAre you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track? Yep. Yep. That's okay. And have you looked now you've just turned 44 there as well, haven't you?\n\nHappy birthday. Don't worry. That's right. I'm 41, so don't feel too bad. I promise.\n\nThey they say our forties are the are the best time of our life, so I'm taking that on board. Yeah. So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there. So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39. So you are fairly on average for where most people of your age and stage are, which is good.\n\nIt does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average. I would definitely like to see it working a bit harder and building more, but we'll keep working on that down the track for you. Okay? Yeah. They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super.\n\nSo we'll try to sort of keep building on that as much as we possibly can. Absolutely. Absolutely. I'll make it my goal. I want you to enjoy your retirement years.\n\nSo when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married. Does your wife work as well? Does she have super as well? Yep. Okay.\n\nPerfect. So she'd have a fairly good super balance there as well. No. That's okay. The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser.\n\nDown the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par? What you need to live on when you get to those areas? Realistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than depleting one or the other. The other thing I tend to look at is how old each of you are as well. So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or whether you hold off.\n\nSo Yeah. Spring chicken. Do you think she's gonna wanna kinda retire at the same time as you or earlier? Do you think she'll probably work? Yeah.\n\nOh, absolutely. Abs mhmm. Yep. Yep. Absolutely.\n\nPerfect. And are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy in your job? Yeah? Yep. Perfect.\n\nBeautiful. I'll just sorta note that down there for you. Fantastic. Sorry. And just sorry.\n\nThe other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build? Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income? Do you have any idea of how have you thought about Sorry. I'm gonna ask all the questions you've never thought about answering. Yep.\n\nYep. Yeah. Beautiful. So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the business in the family. Yep.\n\nYeah. Beautiful. Well, hopefully, one of them wants to take on that. That would be fantastic to see everything you've built and worked so hard for continues for them. Yeah.\n\nExcellent. Lovely. The next document you'll see in there oh, sorry. The one before we were looking at with your super balance, it also has your insurances attached there. So now with your insurance cover, you've got your life and your total permanent disability cover.\n\nSo with your current life benefit, if you were to pass away today, the life benefit pays out 593,745. If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000. In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover? Yep. Yep.\n\nYeah. Wow. Yeah. Yep. Are they in private school?\n\nAre they? Or yeah. Yep. And with the mortgage, I had you owing about 500,000 on that. What do you owe on the mortgage currently?\n\nOkay. So if we base it on 485,000. So as an example, if you were to pass away today, that $740,007.04 7 is paid out. It covers 485,000 of the mortgage. It leaves around about $255,007.47.\n\nThat could be paid less for your family there. Do you think that would be enough for them to sort of survive on for a bit longer? Would you wanna kinda review the life amount you have to boost the benefit? How do you feel about that? Sorry.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nThat's it. Yeah. Yeah. Yeah. 5 193 and then an extra 147, which is your super balance paid out as well.\n\nYeah. Yeah. That's okay. If you if you want, you can always sit on that for the moi. Sorry.\n\nIt does increase the cost of it. I can jump into the insurer and have a quick look for you. If you want, we can sort of assess and look at what the cost difference might be. Two seconds. Yeah.\n\nYeah. Neos is the insurer. Absolutely. Yeah. I'm just logging in.\n\nWon't be one second. So sorry. Yeah. That's correct. Yeah.\n\nPardon me. And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3¢. So, realistically, for your agent stage and the level of cover you have, that is quite expensive. I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for you to maybe give you more cover. Absolutely.\n\nI mean, realistically, when you're sort of in your fifties yeah. That's okay. So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher. But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so. I'm just yeah.\n\nOf course. Yeah. That's okay. Did you want me yeah. You oh, yeah.\n\nI'm so sorry. Did you wanna hang up and make that phone call, and I can give you a callback in a minute? I don't mind. Yeah. Absolutely.\n\nNot a problem. I'll call you back in about five minutes. Is that okay? No. You're fine.\n\nAll good. I'll talk that's okay, Heath. I'll talk to you in a minute.","paragraphs":[{"sentences":[{"text":"Hi, Ethan.","start":4.08,"end":5.92,"sentiment":"neutral","sentiment_score":0.0014255151618272075},{"text":"This is Dana again.","start":5.92,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.0069430237635970116},{"text":"I'm so sorry.","start":6.7999997,"end":7.7,"sentiment":"neutral","sentiment_score":-0.06715820853908856},{"text":"You're that's absolutely fine.","start":8.72,"end":11.44,"sentiment":"neutral","sentiment_score":0.1616171058267355},{"text":"If it does cut out, I'll keep calling you back, so don't worry.","start":11.44,"end":14.865,"sentiment":"neutral","sentiment_score":0.01071620937951733}],"sentiment":"neutral","sentiment_score":0.02365106326928631,"num_words":26,"start":4.08,"end":14.865},{"sentences":[{"text":"No issues at all.","start":15.005,"end":16.305,"sentiment":"neutral","sentiment_score":0.07243380416184664},{"text":"Easy.","start":17.005001,"end":17.505001,"sentiment":"neutral","sentiment_score":0.2692447304725647},{"text":"All done.","start":18.045,"end":18.765,"sentiment":"neutral","sentiment_score":0.3072361946105957},{"text":"All done.","start":18.765,"end":19.405,"sentiment":"positive","sentiment_score":0.47300606966018677},{"text":"Easy.","start":19.405,"end":19.905,"sentiment":"positive","sentiment_score":0.3829939365386963}],"sentiment":"neutral","sentiment_score":0.25024584122002125,"num_words":10,"start":15.005,"end":19.905},{"sentences":[{"text":"So, look, honestly, it it is an important that I'm honest and open with you, and the markets haven't been great this year.","start":20.125,"end":25.244999,"sentiment":"neutral","sentiment_score":0.038681950582110367},{"text":"We have also had the underperforming investment, but it is good that we're seeing a better recovery there.","start":25.244999,"end":30.34,"sentiment":"neutral","sentiment_score":0.14716652201281655},{"text":"So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change, and then maybe look at whether we've gotta make any further changes.","start":30.640001,"end":44.505,"sentiment":"neutral","sentiment_score":0.02080886314312617},{"text":"Does that sound okay with you?","start":44.505,"end":46.125,"sentiment":"neutral","sentiment_score":0.05208772886544466},{"text":"Fantastic.","start":48.025,"end":48.525,"sentiment":"positive","sentiment_score":0.5902843475341797}],"sentiment":"neutral","sentiment_score":0.05456050578504801,"num_words":102,"start":20.125,"end":48.525},{"sentences":[{"text":"Excellent.","start":48.905,"end":49.405,"sentiment":"positive","sentiment_score":0.5383212566375732},{"text":"Excellent.","start":49.705,"end":50.205,"sentiment":"positive","sentiment_score":0.4388676881790161},{"text":"The other thing to sort of look at is I've had a bit of a look at the contribution side of things.","start":50.985,"end":56.08,"sentiment":"neutral","sentiment_score":0.036709248765625736},{"text":"You don't have any contributions going in at the moment.","start":56.08,"end":58.9,"sentiment":"neutral","sentiment_score":-0.04065655060112476},{"text":"Okay.","start":63.92,"end":64.42,"sentiment":"neutral","sentiment_score":0.00661645270884037}],"sentiment":"neutral","sentiment_score":0.039566953267369954,"num_words":35,"start":48.905,"end":64.42},{"sentences":[{"text":"Yep.","start":66.0,"end":66.405,"sentiment":"neutral","sentiment_score":-0.007379790302366018},{"text":"Yep.","start":76.565,"end":77.065,"sentiment":"neutral","sentiment_score":0.01736937090754509},{"text":"Yep.","start":77.205,"end":77.705,"sentiment":"neutral","sentiment_score":0.01974308304488659},{"text":"Yep.","start":83.7,"end":84.18,"sentiment":"neutral","sentiment_score":0.03576195240020752},{"text":"Yes.","start":84.18,"end":84.58,"sentiment":"neutral","sentiment_score":0.0990525484085083}],"sentiment":"neutral","sentiment_score":0.032909432891756296,"num_words":5,"start":66.0,"end":84.58},{"sentences":[{"text":"Perfect.","start":84.58,"end":85.08,"sentiment":"neutral","sentiment_score":0.1903369426727295},{"text":"That's okay.","start":86.899994,"end":87.799995,"sentiment":"neutral","sentiment_score":0.08052310720086098},{"text":"Honestly, we don't judge, and life gets very busy, especially having children.","start":87.939995,"end":92.28,"sentiment":"neutral","sentiment_score":-0.06518880052802463},{"text":"Alright.","start":95.685,"end":96.165,"sentiment":"neutral","sentiment_score":0.039613619446754456},{"text":"All good.","start":96.165,"end":96.725,"sentiment":"neutral","sentiment_score":0.14457857608795166}],"sentiment":"neutral","sentiment_score":-0.005672870979954799,"num_words":18,"start":84.58,"end":96.725},{"sentences":[{"text":"Is that something you're sort of hoping to maybe do over the next six months?","start":96.725,"end":100.245,"sentiment":"neutral","sentiment_score":0.07866794367631276},{"text":"Do you feel like you should be yep.","start":100.245,"end":102.185,"sentiment":"neutral","sentiment_score":0.030992815969511867},{"text":"Yep.","start":102.245,"end":102.725,"sentiment":"neutral","sentiment_score":0.042501300573349},{"text":"Beautiful.","start":102.725,"end":103.225,"sentiment":"positive","sentiment_score":0.6164356470108032},{"text":"Excellent.","start":103.765,"end":104.265,"sentiment":"positive","sentiment_score":0.7338438630104065}],"sentiment":"neutral","sentiment_score":0.10849009590366712,"num_words":26,"start":96.725,"end":104.265},{"sentences":[{"text":"I'll make perfect.","start":104.965004,"end":106.58,"sentiment":"positive","sentiment_score":0.6086666981379191},{"text":"I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of contributions and see what that looks like for you and maybe update personal advice to your flex.","start":106.58,"end":121.255005,"sentiment":"neutral","sentiment_score":0.12611534724181347},{"text":"Does that sound okay?","start":121.255005,"end":122.315,"sentiment":"neutral","sentiment_score":0.0929041113704443},{"text":"Yeah.","start":123.975006,"end":124.375,"sentiment":"neutral","sentiment_score":0.23160256445407867},{"text":"Beautiful.","start":124.375,"end":124.875,"sentiment":"positive","sentiment_score":0.5146795511245728}],"sentiment":"neutral","sentiment_score":0.15437879302771762,"num_words":64,"start":104.965004,"end":124.875},{"sentences":[{"text":"So it sounds like with your growing, business is going quite well at the moment.","start":125.015,"end":129.115,"sentiment":"positive","sentiment_score":0.38165214856465657},{"text":"Yep.","start":132.935,"end":133.435,"sentiment":"neutral","sentiment_score":0.08346574008464813},{"text":"That's okay.","start":133.975,"end":134.795,"sentiment":"neutral","sentiment_score":0.12986204400658607},{"text":"Last estimated income we had you on was about 186,000.","start":135.8,"end":140.12,"sentiment":"neutral","sentiment_score":0.06105317510664463},{"text":"Do you feel like that's fairly accurate for what you should be earning this year as well?","start":140.12,"end":143.96,"sentiment":"neutral","sentiment_score":0.07687634404967814}],"sentiment":"neutral","sentiment_score":0.17745337014396986,"num_words":45,"start":125.015,"end":143.96},{"sentences":[{"text":"Or yep.","start":143.96,"end":153.095,"sentiment":"neutral","sentiment_score":0.02284554112702608},{"text":"Yep.","start":153.095,"end":153.495,"sentiment":"neutral","sentiment_score":0.027379360049962997},{"text":"That's okay.","start":153.495,"end":154.395,"sentiment":"neutral","sentiment_score":0.045545317232608795},{"text":"No.","start":157.015,"end":157.255,"sentiment":"neutral","sentiment_score":-0.013507773168385029},{"text":"That's okay.","start":157.255,"end":157.895,"sentiment":"neutral","sentiment_score":-0.00684385621570982}],"sentiment":"neutral","sentiment_score":0.01712069889617851,"num_words":8,"start":143.96,"end":157.895},{"sentences":[{"text":"We can keep that as it is.","start":157.895,"end":159.595,"sentiment":"neutral","sentiment_score":-0.06869043090513774},{"text":"Yeah.","start":163.20999,"end":163.70999,"sentiment":"neutral","sentiment_score":-0.012142393738031387},{"text":"That's alright.","start":166.89,"end":167.70999,"sentiment":"neutral","sentiment_score":-0.016536656767129898},{"text":"Mhmm.","start":171.53,"end":172.03,"sentiment":"neutral","sentiment_score":-0.02145429328083992},{"text":"Okay.","start":176.275,"end":176.775,"sentiment":"neutral","sentiment_score":0.041424497961997986}],"sentiment":"neutral","sentiment_score":-0.042173209910591446,"num_words":12,"start":157.895,"end":176.775},{"sentences":[{"text":"Yep.","start":177.155,"end":177.635,"sentiment":"neutral","sentiment_score":0.07501232624053955},{"text":"Perfect.","start":177.635,"end":178.135,"sentiment":"neutral","sentiment_score":0.15881302952766418},{"text":"That's alright.","start":182.75499,"end":183.555,"sentiment":"neutral","sentiment_score":0.08907381072640419},{"text":"If you like, what we can do is I can sorta catch up with you in February.","start":183.555,"end":187.235,"sentiment":"neutral","sentiment_score":0.06600443755879122},{"text":"We'll do a bit of catch up, reassess everything.","start":187.235,"end":189.38,"sentiment":"neutral","sentiment_score":0.07152481791045931}],"sentiment":"neutral","sentiment_score":0.07259239256381989,"num_words":30,"start":177.155,"end":189.38},{"sentences":[{"text":"And then because, hopefully, you may have done your tax by then, we can have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself.","start":189.59999,"end":199.44,"sentiment":"neutral","sentiment_score":0.053005574614201724},{"text":"So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense.","start":199.44,"end":216.69,"sentiment":"neutral","sentiment_score":0.12736011833929625},{"text":"Yeah.","start":218.61,"end":219.11,"sentiment":"neutral","sentiment_score":0.2820722758769989},{"text":"Fantastic.","start":219.17,"end":219.67,"sentiment":"positive","sentiment_score":0.5591815710067749},{"text":"Excellent.","start":220.05,"end":220.55,"sentiment":"positive","sentiment_score":0.48867231607437134}],"sentiment":"neutral","sentiment_score":0.10895201193132237,"num_words":102,"start":189.59999,"end":220.55},{"sentences":[{"text":"And you're a builder by trade.","start":220.69,"end":222.13,"sentiment":"neutral","sentiment_score":0.27637553215026855},{"text":"Is that right?","start":222.13,"end":223.03,"sentiment":"neutral","sentiment_score":0.02667391796906789},{"text":"Yeah.","start":224.69,"end":225.19,"sentiment":"neutral","sentiment_score":0.26868289709091187},{"text":"Beautiful.","start":225.25,"end":225.75,"sentiment":"positive","sentiment_score":0.6999683380126953},{"text":"Excellent.","start":226.61,"end":227.09,"sentiment":"positive","sentiment_score":0.721143901348114}],"sentiment":"neutral","sentiment_score":0.28567250693837803,"num_words":12,"start":220.69,"end":227.09},{"sentences":[{"text":"And work is picking up nicely.","start":227.09,"end":228.71,"sentiment":"positive","sentiment_score":0.5800774743159612},{"text":"What kinda hours do you work on a regular average week, do you think?","start":228.77,"end":233.09499,"sentiment":"neutral","sentiment_score":0.06527971409793411},{"text":"Yeah.","start":235.715,"end":236.215,"sentiment":"neutral","sentiment_score":0.026033667847514153},{"text":"Yeah.","start":239.47499,"end":239.875,"sentiment":"neutral","sentiment_score":0.03767254203557968},{"text":"Wow.","start":239.875,"end":240.275,"sentiment":"neutral","sentiment_score":0.06172316521406174}],"sentiment":"neutral","sentiment_score":0.19651348775495653,"num_words":23,"start":227.09,"end":240.275},{"sentences":[{"text":"And is it just you, or do you have others working with you, apprentices and people that you maybe contract out?","start":240.275,"end":245.64,"sentiment":"neutral","sentiment_score":0.012782891790959098},{"text":"Only an apprentice.","start":248.12,"end":248.92,"sentiment":"neutral","sentiment_score":-0.002860196866095066},{"text":"Yeah.","start":248.92,"end":249.31999,"sentiment":"neutral","sentiment_score":0.0714959129691124},{"text":"Perfect.","start":249.31999,"end":249.81999,"sentiment":"neutral","sentiment_score":0.29101815819740295},{"text":"And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or?","start":249.88,"end":259.095,"sentiment":"neutral","sentiment_score":0.054950634709426335}],"sentiment":"neutral","sentiment_score":0.04173190857390644,"num_words":61,"start":240.275,"end":259.095},{"sentences":[{"text":"Yeah.","start":262.855,"end":263.355,"sentiment":"neutral","sentiment_score":0.098673976957798},{"text":"Perfect.","start":264.935,"end":265.415,"sentiment":"positive","sentiment_score":0.37299615144729614},{"text":"Beautiful.","start":265.415,"end":265.915,"sentiment":"positive","sentiment_score":0.49674686789512634},{"text":"Excellent.","start":266.215,"end":266.715,"sentiment":"positive","sentiment_score":0.4556736350059509},{"text":"Good to see.","start":267.255,"end":268.235,"sentiment":"positive","sentiment_score":0.34593010942141217}],"sentiment":"positive","sentiment_score":0.3516972799386297,"num_words":7,"start":262.855,"end":268.235},{"sentences":[{"text":"Excellent.","start":269.495,"end":269.995,"sentiment":"neutral","sentiment_score":0.32997798919677734},{"text":"The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report.","start":271.095,"end":277.72998,"sentiment":"neutral","sentiment_score":0.08007909713879875},{"text":"So it does show, obviously, that we've gone through that.","start":277.72998,"end":280.21,"sentiment":"neutral","sentiment_score":0.00988321304321289},{"text":"Your performance for this year is sort of sitting at a negative 1.65%.","start":280.21,"end":284.53,"sentiment":"neutral","sentiment_score":-0.13366064773156092},{"text":"That's for the last twelve months.","start":284.53,"end":286.22998,"sentiment":"neutral","sentiment_score":-0.08375103026628494}],"sentiment":"neutral","sentiment_score":0.0005761273908165266,"num_words":53,"start":269.495,"end":286.22998},{"sentences":[{"text":"But when I kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%.","start":286.54498,"end":297.905,"sentiment":"neutral","sentiment_score":0.014741365650766775},{"text":"So I just wanna keep reviewing that, making sure that it is recovering back.","start":297.905,"end":302.16,"sentiment":"neutral","sentiment_score":0.03306753121848617},{"text":"And if we don't see any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along.","start":302.16,"end":311.62,"sentiment":"neutral","sentiment_score":0.012597599151459608},{"text":"Okay?","start":311.76,"end":312.26,"sentiment":"neutral","sentiment_score":0.017153434455394745},{"text":"To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young.","start":313.845,"end":319.92502,"sentiment":"neutral","sentiment_score":0.017037757849764256}],"sentiment":"neutral","sentiment_score":0.016951256570902382,"num_words":107,"start":286.54498,"end":319.92502},{"sentences":[{"text":"Are you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track?","start":319.92502,"end":327.385,"sentiment":"neutral","sentiment_score":0.028277869721681906},{"text":"Yep.","start":331.38,"end":331.78,"sentiment":"neutral","sentiment_score":0.03272904083132744},{"text":"Yep.","start":331.78,"end":332.26,"sentiment":"neutral","sentiment_score":0.03926203772425651},{"text":"That's okay.","start":332.26,"end":333.08,"sentiment":"neutral","sentiment_score":0.0634459238499403},{"text":"And have you looked now you've just turned 44 there as well, haven't you?","start":334.26,"end":337.88,"sentiment":"neutral","sentiment_score":0.02680523487340127}],"sentiment":"neutral","sentiment_score":0.02966413694493314,"num_words":47,"start":319.92502,"end":337.88},{"sentences":[{"text":"Happy birthday.","start":338.26,"end":339.16,"sentiment":"neutral","sentiment_score":0.0719094630330801},{"text":"Don't worry.","start":340.02,"end":340.84,"sentiment":"neutral","sentiment_score":0.027726157917641103},{"text":"That's right.","start":341.375,"end":341.85498,"sentiment":"neutral","sentiment_score":0.038624106673523784},{"text":"I'm 41, so don't feel too bad.","start":341.85498,"end":343.85498,"sentiment":"neutral","sentiment_score":0.005211087209837777},{"text":"I promise.","start":343.85498,"end":344.51498,"sentiment":"neutral","sentiment_score":0.193819560110569}],"sentiment":"neutral","sentiment_score":0.04670907906256616,"num_words":15,"start":338.26,"end":344.51498},{"sentences":[{"text":"They they say our forties are the are the best time of our life, so I'm taking that on board.","start":346.495,"end":350.91498,"sentiment":"positive","sentiment_score":0.39837031364440917},{"text":"Yeah.","start":353.535,"end":354.035,"sentiment":"neutral","sentiment_score":0.21521428227424624},{"text":"So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there.","start":354.66,"end":363.3,"sentiment":"neutral","sentiment_score":0.0903138855042366},{"text":"So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39.","start":363.3,"end":373.145,"sentiment":"neutral","sentiment_score":0.06460297396727677},{"text":"So you are fairly on average for where most people of your age and stage are, which is good.","start":373.145,"end":378.745,"sentiment":"neutral","sentiment_score":0.22645661626991473}],"sentiment":"neutral","sentiment_score":0.1758625634994946,"num_words":95,"start":346.495,"end":378.745},{"sentences":[{"text":"It does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average.","start":378.745,"end":384.27,"sentiment":"neutral","sentiment_score":0.26531384817578574},{"text":"I would definitely like to see it working a bit harder and building more, but we'll keep working on that down the track for you.","start":384.83,"end":391.09,"sentiment":"neutral","sentiment_score":0.11975218325853348},{"text":"Okay?","start":391.15,"end":391.65,"sentiment":"neutral","sentiment_score":0.0746123194694519},{"text":"Yeah.","start":392.59,"end":393.09,"sentiment":"neutral","sentiment_score":0.09756000339984894},{"text":"They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super.","start":393.87,"end":402.525,"sentiment":"neutral","sentiment_score":0.0988161955838618}],"sentiment":"neutral","sentiment_score":0.15660630642539924,"num_words":72,"start":378.745,"end":402.525},{"sentences":[{"text":"So we'll try to sort of keep building on that as much as we possibly can.","start":402.525,"end":406.38498,"sentiment":"neutral","sentiment_score":0.16879966668784618},{"text":"Absolutely.","start":408.60498,"end":409.10498,"sentiment":"positive","sentiment_score":0.5994377136230469},{"text":"Absolutely.","start":409.72498,"end":410.22498,"sentiment":"positive","sentiment_score":0.557489275932312},{"text":"I'll make it my goal.","start":410.44498,"end":411.405,"sentiment":"positive","sentiment_score":0.6330042600631713},{"text":"I want you to enjoy your retirement years.","start":411.405,"end":413.72498,"sentiment":"positive","sentiment_score":0.6261880025267601}],"sentiment":"positive","sentiment_score":0.3881369992609947,"num_words":31,"start":402.525,"end":413.72498},{"sentences":[{"text":"So when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married.","start":413.72498,"end":423.84998,"sentiment":"neutral","sentiment_score":0.16471288661504613},{"text":"Does your wife work as well?","start":423.84998,"end":425.21,"sentiment":"neutral","sentiment_score":0.07848804195721944},{"text":"Does she have super as well?","start":425.21,"end":426.99,"sentiment":"neutral","sentiment_score":0.0713087401042382},{"text":"Yep.","start":429.21,"end":429.555,"sentiment":"neutral","sentiment_score":0.05047669634222984},{"text":"Okay.","start":432.51498,"end":433.01498,"sentiment":"neutral","sentiment_score":0.14294826984405518}],"sentiment":"neutral","sentiment_score":0.13648556675328766,"num_words":43,"start":413.72498,"end":433.01498},{"sentences":[{"text":"Perfect.","start":433.315,"end":433.815,"sentiment":"neutral","sentiment_score":0.26976728439331055},{"text":"So she'd have a fairly good super balance there as well.","start":433.875,"end":436.695,"sentiment":"neutral","sentiment_score":0.05633265812965957},{"text":"No.","start":440.35498,"end":440.595,"sentiment":"neutral","sentiment_score":-0.0512537881731987},{"text":"That's okay.","start":440.595,"end":441.235,"sentiment":"neutral","sentiment_score":-0.010056729894131422},{"text":"The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser.","start":441.235,"end":447.13,"sentiment":"neutral","sentiment_score":-0.016002376023679973}],"sentiment":"neutral","sentiment_score":0.010449996881652624,"num_words":40,"start":433.315,"end":447.13},{"sentences":[{"text":"Down the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par?","start":447.75,"end":457.83502,"sentiment":"neutral","sentiment_score":0.023644070234149696},{"text":"What you need to live on when you get to those areas?","start":457.83502,"end":460.415,"sentiment":"neutral","sentiment_score":0.0198539971994857},{"text":"Realistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than depleting one or the other.","start":461.11502,"end":472.655,"sentiment":"neutral","sentiment_score":0.016008140011267227},{"text":"The other thing I tend to look at is how old each of you are as well.","start":473.11,"end":477.99,"sentiment":"neutral","sentiment_score":-0.011541296782739022},{"text":"So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or whether you hold off.","start":477.99,"end":491.925,"sentiment":"neutral","sentiment_score":0.0050130494590848685}],"sentiment":"neutral","sentiment_score":0.011623222524863914,"num_words":152,"start":447.75,"end":491.925},{"sentences":[{"text":"So Yeah.","start":491.925,"end":493.065,"sentiment":"neutral","sentiment_score":0.016543300822377205},{"text":"Spring chicken.","start":498.245,"end":499.225,"sentiment":"neutral","sentiment_score":0.025998004712164402},{"text":"Do you think she's gonna wanna kinda retire at the same time as you or earlier?","start":503.22,"end":507.38,"sentiment":"neutral","sentiment_score":0.032065422274172306},{"text":"Do you think she'll probably work?","start":507.38,"end":508.92,"sentiment":"neutral","sentiment_score":0.007268067604551713},{"text":"Yeah.","start":514.165,"end":514.665,"sentiment":"neutral","sentiment_score":0.03932061791419983}],"sentiment":"neutral","sentiment_score":0.02522438485175371,"num_words":27,"start":491.925,"end":514.665},{"sentences":[{"text":"Oh, absolutely.","start":526.565,"end":527.315,"sentiment":"neutral","sentiment_score":0.04949006997048855},{"text":"Abs mhmm.","start":529.08,"end":535.32,"sentiment":"neutral","sentiment_score":0.010904129594564438},{"text":"Yep.","start":535.32,"end":535.8,"sentiment":"neutral","sentiment_score":0.0634952038526535},{"text":"Yep.","start":535.8,"end":536.2,"sentiment":"neutral","sentiment_score":0.13031810522079468},{"text":"Absolutely.","start":536.2,"end":536.7,"sentiment":"positive","sentiment_score":0.4663739800453186}],"sentiment":"neutral","sentiment_score":0.11156795546412468,"num_words":7,"start":526.565,"end":536.7},{"sentences":[{"text":"Perfect.","start":537.24,"end":537.74,"sentiment":"positive","sentiment_score":0.622364342212677},{"text":"And are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy in your job?","start":538.52,"end":548.235,"sentiment":"neutral","sentiment_score":0.1755474033868975},{"text":"Yeah?","start":548.855,"end":549.355,"sentiment":"neutral","sentiment_score":0.06779734790325165},{"text":"Yep.","start":559.58997,"end":560.08997,"sentiment":"neutral","sentiment_score":0.15403300523757937},{"text":"Perfect.","start":560.14996,"end":560.64996,"sentiment":"positive","sentiment_score":0.5480000376701355}],"sentiment":"neutral","sentiment_score":0.19279753137379885,"num_words":40,"start":537.24,"end":560.64996},{"sentences":[{"text":"Beautiful.","start":561.35,"end":561.85,"sentiment":"positive","sentiment_score":0.6381713151931763},{"text":"I'll just sorta note that down there for you.","start":562.07,"end":563.91,"sentiment":"positive","sentiment_score":0.3378845916854011},{"text":"Fantastic.","start":563.91,"end":564.41,"sentiment":"positive","sentiment_score":0.3572647273540497},{"text":"Sorry.","start":566.165,"end":566.565,"sentiment":"neutral","sentiment_score":0.046935223042964935},{"text":"And just sorry.","start":566.565,"end":571.045,"sentiment":"neutral","sentiment_score":0.0005217070380846659}],"sentiment":"neutral","sentiment_score":0.2723265141248703,"num_words":15,"start":561.35,"end":571.045},{"sentences":[{"text":"The other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build?","start":571.045,"end":577.685,"sentiment":"neutral","sentiment_score":0.06322057323594546},{"text":"Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income?","start":577.685,"end":591.48004,"sentiment":"neutral","sentiment_score":0.06917746782302857},{"text":"Do you have any idea of how have you thought about Sorry.","start":591.48004,"end":596.925,"sentiment":"neutral","sentiment_score":-0.041811634320765734},{"text":"I'm gonna ask all the questions you've never thought about answering.","start":596.925,"end":599.665,"sentiment":"neutral","sentiment_score":-0.004851087927818298},{"text":"Yep.","start":607.725,"end":608.225,"sentiment":"neutral","sentiment_score":0.10298844426870346}],"sentiment":"neutral","sentiment_score":0.04699181437094524,"num_words":103,"start":571.045,"end":608.225},{"sentences":[{"text":"Yep.","start":608.365,"end":608.865,"sentiment":"neutral","sentiment_score":0.2741159200668335},{"text":"Yeah.","start":613.67004,"end":613.99005,"sentiment":"neutral","sentiment_score":0.30827587842941284},{"text":"Beautiful.","start":613.99005,"end":614.49005,"sentiment":"positive","sentiment_score":0.6674489974975586},{"text":"So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the business in the family.","start":614.63,"end":620.73004,"sentiment":"neutral","sentiment_score":0.330477812750773},{"text":"Yep.","start":620.87006,"end":621.285,"sentiment":"neutral","sentiment_score":0.12782180309295654}],"sentiment":"neutral","sentiment_score":0.33262209536937565,"num_words":26,"start":608.365,"end":621.285},{"sentences":[{"text":"Yeah.","start":623.045,"end":623.44495,"sentiment":"neutral","sentiment_score":0.29514190554618835},{"text":"Beautiful.","start":623.44495,"end":623.94495,"sentiment":"positive","sentiment_score":0.5679812431335449},{"text":"Well, hopefully, one of them wants to take on that.","start":624.485,"end":626.805,"sentiment":"neutral","sentiment_score":0.286786749958992},{"text":"That would be fantastic to see everything you've built and worked so hard for continues for them.","start":626.805,"end":632.02496,"sentiment":"positive","sentiment_score":0.7106959188685698},{"text":"Yeah.","start":633.76495,"end":634.245,"sentiment":"positive","sentiment_score":0.3963604867458343}],"sentiment":"positive","sentiment_score":0.5403060585260391,"num_words":30,"start":623.045,"end":634.245},{"sentences":[{"text":"Excellent.","start":634.245,"end":634.745,"sentiment":"positive","sentiment_score":0.6129106283187866},{"text":"Lovely.","start":635.045,"end":635.545,"sentiment":"positive","sentiment_score":0.5389422178268433},{"text":"The next document you'll see in there oh, sorry.","start":636.23,"end":638.47,"sentiment":"neutral","sentiment_score":0.06482462833325069},{"text":"The one before we were looking at with your super balance, it also has your insurances attached there.","start":638.47,"end":643.52997,"sentiment":"neutral","sentiment_score":0.034428941603336066},{"text":"So now with your insurance cover, you've got your life and your total permanent disability cover.","start":643.67,"end":648.62994,"sentiment":"neutral","sentiment_score":0.051392890978604555}],"sentiment":"neutral","sentiment_score":0.07060626012583573,"num_words":45,"start":634.245,"end":648.62994},{"sentences":[{"text":"So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745.","start":648.62994,"end":658.305,"sentiment":"neutral","sentiment_score":0.03867310109107118},{"text":"If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000.","start":659.165,"end":674.82996,"sentiment":"neutral","sentiment_score":0.08535800713959128},{"text":"In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover?","start":675.52997,"end":682.885,"sentiment":"neutral","sentiment_score":0.019958756803985563},{"text":"Yep.","start":687.185,"end":687.685,"sentiment":"neutral","sentiment_score":0.1282248497009277},{"text":"Yep.","start":690.625,"end":691.125,"sentiment":"neutral","sentiment_score":0.05688845366239548}],"sentiment":"neutral","sentiment_score":0.05483176833704898,"num_words":95,"start":648.62994,"end":691.125},{"sentences":[{"text":"Yeah.","start":710.76495,"end":711.165,"sentiment":"neutral","sentiment_score":0.021563954651355743},{"text":"Wow.","start":711.165,"end":711.665,"sentiment":"neutral","sentiment_score":0.015527348034083843},{"text":"Yeah.","start":712.52496,"end":713.02496,"sentiment":"neutral","sentiment_score":0.009122581221163273},{"text":"Yep.","start":714.605,"end":714.925,"sentiment":"neutral","sentiment_score":0.0040775081142783165},{"text":"Are they in private school?","start":714.925,"end":716.285,"sentiment":"neutral","sentiment_score":-0.009067533537745476}],"sentiment":"neutral","sentiment_score":0.0005504138146837553,"num_words":9,"start":710.76495,"end":716.285},{"sentences":[{"text":"Are they?","start":716.285,"end":716.76495,"sentiment":"neutral","sentiment_score":-0.009496212936937809},{"text":"Or yeah.","start":716.76495,"end":719.425,"sentiment":"neutral","sentiment_score":0.0004977332428097725},{"text":"Yep.","start":719.485,"end":719.805,"sentiment":"neutral","sentiment_score":0.010277928784489632},{"text":"And with the mortgage, I had you owing about 500,000 on that.","start":719.805,"end":723.26,"sentiment":"neutral","sentiment_score":-0.016589908162131906},{"text":"What do you owe on the mortgage currently?","start":723.26,"end":725.04,"sentiment":"neutral","sentiment_score":-0.03625312843360007}],"sentiment":"neutral","sentiment_score":-0.019872918240725995,"num_words":25,"start":716.285,"end":725.04},{"sentences":[{"text":"Okay.","start":729.89996,"end":730.38,"sentiment":"neutral","sentiment_score":0.04820845276117325},{"text":"So if we base it on 485,000.","start":730.38,"end":733.1,"sentiment":"neutral","sentiment_score":0.058395239391497204},{"text":"So as an example, if you were to pass away today, that $740,007.04 7 is paid out.","start":733.1,"end":739.625,"sentiment":"neutral","sentiment_score":0.03353379568194642},{"text":"It covers 485,000 of the mortgage.","start":739.625,"end":742.665,"sentiment":"neutral","sentiment_score":0.04655874582628409},{"text":"It leaves around about $255,007.47.","start":742.665,"end":746.84503,"sentiment":"neutral","sentiment_score":0.019742070883512496}],"sentiment":"neutral","sentiment_score":0.03903090234638916,"num_words":36,"start":729.89996,"end":746.84503},{"sentences":[{"text":"That could be paid less for your family there.","start":747.065,"end":749.645,"sentiment":"neutral","sentiment_score":0.02680875899063216},{"text":"Do you think that would be enough for them to sort of survive on for a bit longer?","start":751.13,"end":755.45,"sentiment":"neutral","sentiment_score":0.1869266074564722},{"text":"Would you wanna kinda review the life amount you have to boost the benefit?","start":755.45,"end":759.29004,"sentiment":"neutral","sentiment_score":0.20092974177428655},{"text":"How do you feel about that?","start":759.29004,"end":760.75,"sentiment":"neutral","sentiment_score":0.05647248153885206},{"text":"Sorry.","start":768.26495,"end":768.76495,"sentiment":"negative","sentiment_score":-0.4396761655807495}],"sentiment":"neutral","sentiment_score":0.13162776820051172,"num_words":48,"start":747.065,"end":768.76495},{"sentences":[{"text":"Yep.","start":776.90497,"end":777.3,"sentiment":"neutral","sentiment_score":-0.10620266199111938},{"text":"Yep.","start":779.14,"end":779.64,"sentiment":"neutral","sentiment_score":-0.02399427816271782},{"text":"Mhmm.","start":786.82,"end":787.32,"sentiment":"neutral","sentiment_score":-0.024383658543229103},{"text":"Yep.","start":787.86,"end":788.36,"sentiment":"neutral","sentiment_score":0.003215799806639552},{"text":"Yep.","start":800.995,"end":801.315,"sentiment":"neutral","sentiment_score":0.04172908887267113}],"sentiment":"neutral","sentiment_score":-0.021927142003551125,"num_words":5,"start":776.90497,"end":801.315},{"sentences":[{"text":"That's it.","start":801.315,"end":802.055,"sentiment":"neutral","sentiment_score":0.04737181402742863},{"text":"Yeah.","start":802.51495,"end":803.01495,"sentiment":"neutral","sentiment_score":0.04217096418142319},{"text":"Yeah.","start":805.71497,"end":806.21497,"sentiment":"neutral","sentiment_score":0.05039016529917717},{"text":"Yeah.","start":806.355,"end":806.855,"sentiment":"neutral","sentiment_score":0.052610501646995544},{"text":"5 193 and then an extra 147, which is your super balance paid out as well.","start":807.02,"end":812.96,"sentiment":"neutral","sentiment_score":0.06904396135360003}],"sentiment":"neutral","sentiment_score":0.0640294590876216,"num_words":21,"start":801.315,"end":812.96},{"sentences":[{"text":"Yeah.","start":813.1,"end":813.58,"sentiment":"neutral","sentiment_score":0.06659144163131714},{"text":"Yeah.","start":813.58,"end":814.08,"sentiment":"neutral","sentiment_score":0.07978765666484833},{"text":"That's okay.","start":814.94,"end":815.82,"sentiment":"neutral","sentiment_score":0.13504260033369064},{"text":"If you if you want, you can always sit on that for the moi.","start":815.82,"end":819.2,"sentiment":"neutral","sentiment_score":0.027525343666119233},{"text":"Sorry.","start":819.225,"end":819.725,"sentiment":"neutral","sentiment_score":-0.08669517934322357}],"sentiment":"neutral","sentiment_score":0.037638101628736445,"num_words":19,"start":813.1,"end":819.725},{"sentences":[{"text":"It does increase the cost of it.","start":825.785,"end":827.625,"sentiment":"neutral","sentiment_score":-0.1460349570427622},{"text":"I can jump into the insurer and have a quick look for you.","start":827.625,"end":831.38495,"sentiment":"neutral","sentiment_score":0.003933392178553801},{"text":"If you want, we can sort of assess and look at what the cost difference might be.","start":831.38495,"end":836.2,"sentiment":"neutral","sentiment_score":-0.008138022659456028},{"text":"Two seconds.","start":837.22003,"end":838.44,"sentiment":"neutral","sentiment_score":-0.03839650936424732},{"text":"Yeah.","start":850.59503,"end":851.09503,"sentiment":"neutral","sentiment_score":-0.07176388055086136}],"sentiment":"neutral","sentiment_score":-0.031450347136706115,"num_words":40,"start":825.785,"end":851.09503},{"sentences":[{"text":"Yeah.","start":858.74,"end":859.24,"sentiment":"neutral","sentiment_score":0.0022203009575605392},{"text":"Neos is the insurer.","start":859.3,"end":860.6,"sentiment":"neutral","sentiment_score":0.0002124952152371411},{"text":"Absolutely.","start":860.74,"end":861.24,"sentiment":"neutral","sentiment_score":0.03629585355520248},{"text":"Yeah.","start":862.18,"end":862.68,"sentiment":"neutral","sentiment_score":-0.005052080377936363},{"text":"I'm just logging in.","start":862.74,"end":864.02,"sentiment":"neutral","sentiment_score":-0.0653914138674736}],"sentiment":"neutral","sentiment_score":-0.02065923640673811,"num_words":11,"start":858.74,"end":864.02},{"sentences":[{"text":"Won't be one second.","start":864.02,"end":865.14,"sentiment":"neutral","sentiment_score":-0.1725621297955513},{"text":"So sorry.","start":865.14,"end":865.88,"sentiment":"neutral","sentiment_score":-0.07350555062294006},{"text":"Yeah.","start":872.895,"end":873.135,"sentiment":"neutral","sentiment_score":0.07581216841936111},{"text":"That's correct.","start":873.135,"end":874.11505,"sentiment":"neutral","sentiment_score":0.2260839119553566},{"text":"Yeah.","start":874.17505,"end":874.67505,"sentiment":"neutral","sentiment_score":0.09854092448949814}],"sentiment":"neutral","sentiment_score":-0.021073870360851288,"num_words":10,"start":864.02,"end":874.67505},{"sentences":[{"text":"Pardon me.","start":874.73505,"end":875.215,"sentiment":"neutral","sentiment_score":-0.07947192154824734},{"text":"And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3¢.","start":875.215,"end":894.75,"sentiment":"neutral","sentiment_score":-0.020394413922058076},{"text":"So, realistically, for your agent stage and the level of cover you have, that is quite expensive.","start":894.75,"end":901.385,"sentiment":"negative","sentiment_score":-0.3882424603490269},{"text":"I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for you to maybe give you more cover.","start":901.685,"end":912.185,"sentiment":"neutral","sentiment_score":-0.11130377217646568},{"text":"Absolutely.","start":913.03,"end":913.53,"sentiment":"neutral","sentiment_score":0.057209499180316925}],"sentiment":"neutral","sentiment_score":-0.11151599389500916,"num_words":101,"start":874.73505,"end":913.53},{"sentences":[{"text":"I mean, realistically, when you're sort of in your fifties yeah.","start":913.67,"end":918.39,"sentiment":"neutral","sentiment_score":-0.007658044257285921},{"text":"That's okay.","start":918.39,"end":919.03,"sentiment":"neutral","sentiment_score":0.08501556515693665},{"text":"So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher.","start":919.03,"end":924.01,"sentiment":"neutral","sentiment_score":-0.0971006140822456},{"text":"But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so.","start":924.47003,"end":930.695,"sentiment":"neutral","sentiment_score":-0.1497600322419947},{"text":"I'm just yeah.","start":931.39496,"end":934.035,"sentiment":"neutral","sentiment_score":0.00939150806516409}],"sentiment":"neutral","sentiment_score":-0.08847231249782746,"num_words":59,"start":913.67,"end":934.035},{"sentences":[{"text":"Of course.","start":934.035,"end":934.695,"sentiment":"neutral","sentiment_score":-0.002842131070792675},{"text":"Yeah.","start":935.71497,"end":936.21497,"sentiment":"neutral","sentiment_score":0.011253567412495611},{"text":"That's okay.","start":938.915,"end":939.555,"sentiment":"neutral","sentiment_score":0.014133551623672247},{"text":"Did you want me yeah.","start":939.555,"end":941.97,"sentiment":"neutral","sentiment_score":-0.04326939657330513},{"text":"You oh, yeah.","start":943.47,"end":944.52997,"sentiment":"neutral","sentiment_score":-0.041157498955726624}],"sentiment":"neutral","sentiment_score":-0.023537159324265443,"num_words":13,"start":934.035,"end":944.52997},{"sentences":[{"text":"I'm so sorry.","start":954.745,"end":955.465,"sentiment":"neutral","sentiment_score":-0.10712313155333202},{"text":"Did you wanna hang up and make that phone call, and I can give you a callback in a minute?","start":955.465,"end":959.78503,"sentiment":"neutral","sentiment_score":-0.005392265319824219},{"text":"I don't mind.","start":959.78503,"end":960.685,"sentiment":"neutral","sentiment_score":-0.05890790869792303},{"text":"Yeah.","start":962.98505,"end":963.385,"sentiment":"neutral","sentiment_score":-0.056496039032936096},{"text":"Absolutely.","start":963.385,"end":963.885,"sentiment":"neutral","sentiment_score":-0.06014707684516907}],"sentiment":"neutral","sentiment_score":-0.025806483679584095,"num_words":28,"start":954.745,"end":963.885},{"sentences":[{"text":"Not a problem.","start":966.6769,"end":967.47687,"sentiment":"neutral","sentiment_score":0.0399616447587808},{"text":"I'll call you back in about five minutes.","start":967.47687,"end":969.15686,"sentiment":"neutral","sentiment_score":-0.00821174483280629},{"text":"Is that okay?","start":969.15686,"end":969.8769,"sentiment":"neutral","sentiment_score":0.03311822066704432},{"text":"No.","start":969.8769,"end":970.1169,"sentiment":"neutral","sentiment_score":-0.26068636775016785},{"text":"You're fine.","start":970.1169,"end":970.9369,"sentiment":"neutral","sentiment_score":-0.05841808021068573}],"sentiment":"neutral","sentiment_score":-0.013175111209206721,"num_words":17,"start":966.6769,"end":970.9369},{"sentences":[{"text":"All good.","start":971.47687,"end":971.95685,"sentiment":"positive","sentiment_score":0.766583114862442},{"text":"I'll talk that's okay, Heath.","start":971.95685,"end":973.5569,"sentiment":"positive","sentiment_score":0.40626812875270846},{"text":"I'll talk to you in a minute.","start":973.5569,"end":974.6969,"sentiment":"neutral","sentiment_score":0.19798831854547774}],"sentiment":"positive","sentiment_score":0.3536017930933407,"num_words":14,"start":971.47687,"end":974.6969}]}}]},{"alternatives":[{"transcript":"Hello? Oh, I see Mimi. No. Mimi. Maybe. So yes. So I don't know what's going on there. Just call me out again. Okay. Okay. Perfect. Yeah. Yeah. That's understandable. Yeah. Yep. Yeah. That's yeah. Perfect. Yeah. Oh, I did. None. Oh, I don't. But I'm still I'm trying to form a company at the moment so I can pay myself a wage. So at the moment, I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway. And then I can pay myself super. Yeah. I should be doing it now, but yeah. Oh, no. Yeah. Yeah. Yeah. Yep. Yep. Definitely. Send me that, please. Yep. Yeah. 100%. I'm here. Yeah. Yep. Yeah. Yeah. It's probably more, I guess. But yeah. Yep. Oh, no. No. I haven't done my track yet this year or other. So I know. Yeah. I think the last I think the previous oh, not last year. Last year's might have been somewhere around the 200 possibly. And this year, yeah. Hold on. I get it. Yep. Yes. Yeah. Yeah. I am. Yes. And an average rate, maybe 65. I'm just not an apprentice. Only an apprentice. Yeah. I'll oh, yeah. I will put another tradesman. Yeah. Yep. Yeah. Okay. Yeah. Yeah. Probably 60, I guess. Yeah. Yeah. Yeah. Yeah. Thank you. Okay. Okay. Good. Yeah. Yeah. Okay. Thanks, guys. Yeah. Yeah. May I say Yep. Yeah. Nice to get all of that. Yeah. She does. Oh, she's she's a nurse. Yeah. Sorry. I'd hope so. Yeah. Oh, okay. Yeah. Alright. Yeah. Well, six thirty six. Yes. Possibly, we'll see how she goes. I I just yeah. I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me. But yeah. It would be nice if we could both retire at the same time, I guess. If I could yeah. If I could. Yeah. Unless I win a lotto or something, but yeah. Looks yeah. Say the 60. No. I haven't. Yeah. No. But I do have I do have three boys and, you know, I have one girl that's still in school, but they will have fun. Maybe one of them wants to give it a go. Yeah. Yeah. That's right. Yes. Yep. Oh, I wanted to pay out my mortgage. I mean, missus doesn't have to worry about the mortgage and the kids. And don't know, really. Maybe just this kid's school fees. Like, it's probably next year, it's gonna be about 65,000 a year. And then after once a girl goes into her school, it's probably gonna be up near the 75. You know? So as long as it can cover their school fees. Yeah. They are. I think it's, like, $4.85 or something. Oh, shit. No. It probably would be, I guess. If I they'd probably downsize the house anyway if I you know? So I'd say that house is probably currently maybe worth 1.67. You know? If we were to sell it tomorrow, depending on what Elbow does with their house prices. But the I probably would I'll be would be looking at, you know, so that I think it'd be right. The 5 100. Is it 500 for the life insurance? Yeah. 3 5. What is it what is it what is it what is it change by check putting it up at that higher bracket? Is it just a higher fee? Yeah. Because I'm busy. I'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and but I think it'd be good to see before I get then I can compare with the other companies. Because I think I'm with me or Susan or Nei or I think I'm expecting Yeah. Because that's quite good. Yeah. Yeah. I should've told that a few longs ago. Yeah. Hey. Can I just hurry up there for two seconds? Can I just answer this call? It's just the message just in case something's happened. I'll give you I'll bring back two seconds. No. Oh, hang up now. It's just her mother got airlifted last night to the Toowoomba Hospital, very out west. And so she's taken off early the in the hours of this morning, they're gonna be with them. Yeah. Yeah. No. That's good. In just, like yeah. In five minutes? She's just trying, like, four times and whether something's happening. Yeah. Sorry. Yeah. Wonderful. Thank you. Okay. Bye.","confidence":0.9321289,"words":[{"word":"hello","start":0.39999998,"end":0.56,"confidence":0.45666504,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.003468364244326949},{"word":"oh","start":0.56,"end":1.06,"confidence":0.53515625,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.003032462205737829},{"word":"i","start":1.5999999,"end":1.68,"confidence":0.24194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008547375909984112},{"word":"see","start":1.68,"end":2.0,"confidence":0.43676758,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.006528233177959919},{"word":"mimi","start":2.0,"end":2.5,"confidence":0.41227213,"punctuated_word":"Mimi.","sentiment":"neutral","sentiment_score":-0.014631467871367931},{"word":"no","start":3.6,"end":3.9199998,"confidence":0.70251465,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.047459013760089874},{"word":"mimi","start":3.9199998,"end":4.4,"confidence":0.7179362,"punctuated_word":"Mimi.","sentiment":"neutral","sentiment_score":-0.01904415711760521},{"word":"maybe","start":4.4,"end":4.6,"confidence":0.33520508,"punctuated_word":"Maybe.","sentiment":"neutral","sentiment_score":0.0007246816530823708},{"word":"so","start":4.6,"end":4.7999997,"confidence":0.2668457,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00675150565803051},{"word":"yes","start":5.92,"end":6.42,"confidence":0.75024414,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.014390001073479652},{"word":"so","start":6.56,"end":6.8799996,"confidence":0.5805664,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011569540947675703},{"word":"i","start":6.8799996,"end":7.04,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0528603196144104},{"word":"don't","start":7.04,"end":7.2,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06839580833911896},{"word":"know","start":7.2,"end":7.3599997,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06799742579460144},{"word":"what's","start":7.3599997,"end":7.68,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04364106059074402},{"word":"going","start":7.68,"end":8.0,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03934245929121971},{"word":"on","start":8.0,"end":8.24,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03968190401792526},{"word":"there","start":8.24,"end":8.4,"confidence":0.8930664,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0264163576066494},{"word":"just","start":8.4,"end":8.639999,"confidence":0.5805664,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.015435343608260156},{"word":"call","start":8.639999,"end":8.96,"confidence":0.35986328,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.008266497403383255},{"word":"me","start":8.96,"end":9.12,"confidence":0.45361328,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.009309932589530945},{"word":"out","start":9.12,"end":9.28,"confidence":0.8959961,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.008902441710233688},{"word":"again","start":9.28,"end":9.78,"confidence":0.99365234,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.02896539494395256},{"word":"okay","start":13.44,"end":13.94,"confidence":0.9838867,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02380330860614777},{"word":"okay","start":15.335,"end":15.835,"confidence":0.85595703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08725002408027649},{"word":"perfect","start":18.775,"end":19.275,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6549855470657349},{"word":"yeah","start":22.215,"end":22.715,"confidence":0.8901367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043226417154073715},{"word":"yeah","start":25.654999,"end":25.974998,"confidence":0.80615234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005396563559770584},{"word":"that's","start":25.974998,"end":26.294998,"confidence":0.9851074,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.018031690269708633},{"word":"understandable","start":26.294998,"end":26.794998,"confidence":0.9995117,"punctuated_word":"understandable.","sentiment":"neutral","sentiment_score":-0.04419765993952751},{"word":"yeah","start":30.21,"end":30.71,"confidence":0.9616699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04070195555686951},{"word":"yep","start":41.25,"end":41.57,"confidence":0.80371094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019392644986510277},{"word":"yeah","start":41.57,"end":42.07,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013981898315250874},{"word":"that's","start":45.785,"end":46.185,"confidence":0.89697266,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12459149956703186},{"word":"yeah","start":46.345,"end":46.745,"confidence":0.9562988,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.144213929772377},{"word":"perfect","start":46.745,"end":47.245,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4992663562297821},{"word":"yeah","start":48.185,"end":48.685,"confidence":0.78466797,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3729979693889618},{"word":"oh","start":56.825,"end":56.985,"confidence":0.87060547,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.016953911632299423},{"word":"i","start":56.985,"end":57.065002,"confidence":0.5644531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030157264322042465},{"word":"did","start":57.065002,"end":57.465,"confidence":0.45422363,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.032362524420022964},{"word":"none","start":57.465,"end":57.965,"confidence":0.98999023,"punctuated_word":"None.","sentiment":"neutral","sentiment_score":-0.05895962566137314},{"word":"oh","start":59.35,"end":59.59,"confidence":0.92456055,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04191943258047104},{"word":"i","start":59.59,"end":59.829998,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04918651282787323},{"word":"don't","start":59.829998,"end":60.23,"confidence":0.8457031,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.051482222974300385},{"word":"but","start":60.23,"end":60.63,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.047563523054122925},{"word":"i'm","start":60.63,"end":60.95,"confidence":0.9758301,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03712021559476853},{"word":"still","start":60.95,"end":61.27,"confidence":0.9003906,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.040756113827228546},{"word":"i'm","start":61.35,"end":61.67,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.025197822600603104},{"word":"trying","start":61.67,"end":61.989998,"confidence":0.98291016,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.026292886584997177},{"word":"to","start":61.989998,"end":62.07,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019749674946069717},{"word":"form","start":62.07,"end":62.39,"confidence":0.9970703,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.014539171010255814},{"word":"a","start":62.39,"end":62.47,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007478207349777222},{"word":"company","start":62.47,"end":62.97,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.006380092352628708},{"word":"at","start":63.11,"end":63.27,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02088720351457596},{"word":"the","start":63.27,"end":63.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0189717598259449},{"word":"moment","start":63.43,"end":63.829998,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.013442516326904295},{"word":"so","start":63.829998,"end":63.949997,"confidence":0.6274414,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.004741702228784561},{"word":"i","start":63.949997,"end":64.07,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005163714289665222},{"word":"can","start":64.07,"end":64.31,"confidence":0.9819336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.001614697277545929},{"word":"pay","start":64.31,"end":64.47,"confidence":0.97509766,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.014080438762903214},{"word":"myself","start":64.47,"end":64.95,"confidence":0.9951172,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.016001373529434204},{"word":"a","start":64.95,"end":65.11,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006220700219273567},{"word":"wage","start":65.11,"end":65.43,"confidence":0.8613281,"punctuated_word":"wage.","sentiment":"neutral","sentiment_score":-0.00923098810017109},{"word":"so","start":65.43,"end":65.67,"confidence":0.57470703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002326805144548416},{"word":"at","start":65.67,"end":65.75,"confidence":0.9482422,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017614658921957016},{"word":"the","start":65.75,"end":65.83,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012394100427627563},{"word":"moment","start":65.83,"end":66.229996,"confidence":0.97021484,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.01040144357830286},{"word":"i'm","start":66.229996,"end":66.63,"confidence":0.94140625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02141442522406578},{"word":"i've","start":66.71,"end":66.95,"confidence":0.9736328,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0204605869948864},{"word":"been","start":66.95,"end":67.19,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03504789620637894},{"word":"trading","start":67.19,"end":67.51,"confidence":0.8339844,"punctuated_word":"trading","sentiment":"neutral","sentiment_score":-0.017544161528348923},{"word":"as","start":67.51,"end":67.67,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.026931660249829292},{"word":"a","start":67.67,"end":67.83,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02406631037592888},{"word":"sole","start":67.83,"end":68.229996,"confidence":0.9873047,"punctuated_word":"sole","sentiment":"neutral","sentiment_score":-0.025650274008512497},{"word":"trader","start":68.229996,"end":68.71,"confidence":0.8676758,"punctuated_word":"trader,","sentiment":"neutral","sentiment_score":-0.018052898347377777},{"word":"and","start":68.71,"end":69.21,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024036018177866936},{"word":"i","start":71.675,"end":71.83501,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0196685791015625},{"word":"need","start":71.83501,"end":72.235,"confidence":0.9838867,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.026687823235988617},{"word":"to","start":72.235,"end":72.395004,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015310268849134443},{"word":"form","start":72.395004,"end":72.895004,"confidence":0.9428711,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.027905771508812904},{"word":"it","start":73.595,"end":73.755005,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0289967879652977},{"word":"sooner","start":73.755005,"end":74.075005,"confidence":0.98291016,"punctuated_word":"sooner","sentiment":"neutral","sentiment_score":-0.050170909613370895},{"word":"or","start":74.075005,"end":74.235,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.045140717178583145},{"word":"later","start":74.235,"end":74.635,"confidence":0.99902344,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.03861147537827492},{"word":"because","start":74.635,"end":74.875,"confidence":0.8354492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06990402936935425},{"word":"i'm","start":74.875,"end":75.035,"confidence":0.9519043,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0909143090248108},{"word":"getting","start":75.035,"end":75.355,"confidence":0.62158203,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.09547082334756853},{"word":"smashed","start":75.355,"end":75.755005,"confidence":0.71191406,"punctuated_word":"smashed","sentiment":"neutral","sentiment_score":-0.08867329359054565},{"word":"attacks","start":75.755005,"end":76.15501,"confidence":0.4428711,"punctuated_word":"attacks","sentiment":"neutral","sentiment_score":-0.08087535202503204},{"word":"anyway","start":76.15501,"end":76.65501,"confidence":0.861084,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.04223135858774185},{"word":"and","start":76.955,"end":77.355,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.017675437033176422},{"word":"then","start":77.355,"end":77.855,"confidence":0.83935547,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03030654788017273},{"word":"i","start":80.395004,"end":80.555,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02655971422791481},{"word":"can","start":80.555,"end":81.055,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.027352824807167053},{"word":"pay","start":81.675,"end":81.995,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.01072961837053299},{"word":"myself","start":81.995,"end":82.495,"confidence":0.99902344,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.03046448528766632},{"word":"super","start":82.555,"end":83.055,"confidence":0.982666,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.057137683033943176},{"word":"yeah","start":84.090004,"end":84.41,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059092819690704346},{"word":"i","start":84.41,"end":84.57,"confidence":0.9550781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14113372564315796},{"word":"should","start":84.57,"end":84.810005,"confidence":0.94970703,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.17220202088356018},{"word":"be","start":84.810005,"end":84.89,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10352719575166702},{"word":"doing","start":84.89,"end":85.21,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1144876554608345},{"word":"it","start":85.21,"end":85.37,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1171598881483078},{"word":"now","start":85.37,"end":85.69,"confidence":0.73291016,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.1261332780122757},{"word":"but","start":85.69,"end":86.05,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08197285234928131},{"word":"yeah","start":86.41,"end":86.91,"confidence":0.82421875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04768303036689758},{"word":"oh","start":93.05,"end":93.29,"confidence":0.663208,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.0316971018910408},{"word":"no","start":93.29,"end":93.79,"confidence":0.62805176,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.03104066103696823},{"word":"yeah","start":94.25,"end":94.75,"confidence":0.9030762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00003450363874435425},{"word":"yeah","start":96.17,"end":96.67,"confidence":0.72351074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1367373764514923},{"word":"yeah","start":100.645,"end":101.145,"confidence":0.9135742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04388757050037384},{"word":"yep","start":102.245,"end":102.725,"confidence":0.796875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02729279547929764},{"word":"yep","start":102.725,"end":103.225,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4210920035839081},{"word":"definitely","start":103.525,"end":104.025,"confidence":0.7788086,"punctuated_word":"Definitely.","sentiment":"positive","sentiment_score":0.6159408092498779},{"word":"send","start":104.405,"end":104.645,"confidence":0.7421875,"punctuated_word":"Send","sentiment":"positive","sentiment_score":0.6063982248306274},{"word":"me","start":104.645,"end":104.725,"confidence":0.87597656,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5704050064086914},{"word":"that","start":104.725,"end":104.965,"confidence":0.7722168,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.5819676518440247},{"word":"please","start":104.965,"end":105.465,"confidence":0.97143555,"punctuated_word":"please.","sentiment":"positive","sentiment_score":0.5767897367477417},{"word":"yep","start":116.48,"end":116.98,"confidence":0.69555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09569725394248962},{"word":"yeah","start":122.48,"end":122.88,"confidence":0.74279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1104898601770401},{"word":"100%","start":122.88,"end":123.62,"confidence":0.8671875,"punctuated_word":"100%.","sentiment":"neutral","sentiment_score":0.14674445986747742},{"word":"i'm","start":130.495,"end":130.655,"confidence":0.94311523,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15167871117591858},{"word":"here","start":130.655,"end":131.055,"confidence":0.9790039,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.13262781500816345},{"word":"yeah","start":131.055,"end":131.455,"confidence":0.8588867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10431025922298431},{"word":"yep","start":131.455,"end":131.955,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07514222711324692},{"word":"yeah","start":148.61,"end":149.11,"confidence":0.6812744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019924916326999664},{"word":"yeah","start":149.41,"end":149.91,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02057139202952385},{"word":"it's","start":150.20999,"end":150.70999,"confidence":0.9499512,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.013845762237906456},{"word":"probably","start":150.93,"end":151.25,"confidence":0.5703125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.016720112413167953},{"word":"more","start":151.25,"end":151.65,"confidence":0.96313477,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":0.01126335933804512},{"word":"i","start":151.65,"end":151.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01931317150592804},{"word":"guess","start":151.73,"end":152.23,"confidence":0.8925781,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.01991099864244461},{"word":"but","start":153.315,"end":153.815,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.028260942548513412},{"word":"yeah","start":154.595,"end":155.095,"confidence":0.97314453,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03371000662446022},{"word":"yep","start":155.79501,"end":156.29501,"confidence":0.9597168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01706601306796074},{"word":"oh","start":157.79501,"end":158.195,"confidence":0.6359863,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.025435209274291992},{"word":"no","start":158.195,"end":158.43501,"confidence":0.635376,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0556621253490448},{"word":"no","start":158.43501,"end":158.755,"confidence":0.7215576,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09542733430862428},{"word":"i","start":158.755,"end":158.91501,"confidence":0.6220703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0987989529967308},{"word":"haven't","start":158.91501,"end":159.235,"confidence":0.6619873,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.08397673815488815},{"word":"done","start":159.235,"end":159.395,"confidence":0.8413086,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.0768696665763855},{"word":"my","start":159.395,"end":159.63501,"confidence":0.87060547,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07057853043079376},{"word":"track","start":159.63501,"end":159.875,"confidence":0.8198242,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.06405533850193024},{"word":"yet","start":159.875,"end":160.115,"confidence":0.92333984,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.08930953592061996},{"word":"this","start":160.115,"end":160.35501,"confidence":0.8125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.07894644141197205},{"word":"year","start":160.35501,"end":160.595,"confidence":0.9902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.06549165397882462},{"word":"or","start":160.595,"end":160.755,"confidence":0.64941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0784730538725853},{"word":"other","start":160.755,"end":160.91,"confidence":0.47558594,"punctuated_word":"other.","sentiment":"neutral","sentiment_score":-0.07794415950775146},{"word":"so","start":160.91,"end":161.065,"confidence":0.8354492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0351504310965538},{"word":"i","start":161.065,"end":161.315,"confidence":0.51171875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04026312381029129},{"word":"know","start":161.315,"end":161.815,"confidence":0.55981445,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.038015201687812805},{"word":"yeah","start":165.235,"end":165.735,"confidence":0.89697266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010471675544977188},{"word":"i","start":166.79001,"end":166.95001,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01680700294673443},{"word":"think","start":166.95001,"end":167.11,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.020253751426935196},{"word":"the","start":167.11,"end":167.19,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018872223794460297},{"word":"last","start":167.19,"end":167.43001,"confidence":0.9892578,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.01652352884411812},{"word":"i","start":167.67001,"end":167.83,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020604770630598068},{"word":"think","start":167.83,"end":168.15001,"confidence":0.97265625,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02482914738357067},{"word":"the","start":168.15001,"end":168.55,"confidence":0.6855469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03046167828142643},{"word":"previous","start":168.55,"end":169.05,"confidence":0.4580078,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":-0.031690195202827454},{"word":"oh","start":169.67001,"end":169.83,"confidence":0.73913574,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.028398267924785617},{"word":"not","start":169.83,"end":170.07,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.032027650624513626},{"word":"last","start":170.07,"end":170.39,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.030716989189386368},{"word":"year","start":170.39,"end":170.71,"confidence":0.93530273,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.04200094938278198},{"word":"last","start":170.71,"end":171.03,"confidence":0.9951172,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.02625506930053234},{"word":"year's","start":171.03,"end":171.51001,"confidence":0.7561035,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":-0.04284802824258804},{"word":"might","start":171.51001,"end":171.75,"confidence":0.9760742,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03779470175504685},{"word":"have","start":171.75,"end":171.91,"confidence":0.83984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.021461524069309235},{"word":"been","start":171.91,"end":172.41,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03452102094888687},{"word":"somewhere","start":173.43001,"end":173.91,"confidence":0.9091797,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.023638423532247543},{"word":"around","start":173.91,"end":174.23001,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.014887120574712752},{"word":"the","start":174.23001,"end":174.39,"confidence":0.59814453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02495136484503746},{"word":"200","start":174.39,"end":175.03,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.014093372970819472},{"word":"possibly","start":175.03,"end":175.53,"confidence":0.4666748,"punctuated_word":"possibly.","sentiment":"neutral","sentiment_score":-0.02652972750365734},{"word":"and","start":178.79001,"end":179.03,"confidence":0.92578125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07829627394676208},{"word":"this","start":179.03,"end":179.27,"confidence":0.70996094,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05193442478775978},{"word":"year","start":179.27,"end":179.59001,"confidence":0.7402344,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0754326805472374},{"word":"yeah","start":179.59001,"end":180.09001,"confidence":0.9770508,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08891777694225311},{"word":"hold","start":181.03,"end":181.35,"confidence":0.43237305,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":0.03686298802495003},{"word":"on","start":181.35,"end":181.51001,"confidence":0.6607666,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.04697607085108757},{"word":"i","start":181.51001,"end":181.67001,"confidence":0.56689453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07233226299285889},{"word":"get","start":181.67001,"end":181.92001,"confidence":0.48388672,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0845048651099205},{"word":"it","start":181.92001,"end":182.42001,"confidence":0.8063965,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07244940847158432},{"word":"yep","start":190.125,"end":190.625,"confidence":0.81152344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03728760406374931},{"word":"yes","start":192.845,"end":193.345,"confidence":0.63098145,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0575590543448925},{"word":"yeah","start":217.475,"end":217.71501,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10367583483457564},{"word":"yeah","start":217.71501,"end":218.21501,"confidence":0.8520508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14502674341201782},{"word":"i","start":223.315,"end":223.55501,"confidence":0.6508789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07168208062648773},{"word":"am","start":223.55501,"end":223.955,"confidence":0.9941406,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.06261585652828217},{"word":"yes","start":223.955,"end":224.31,"confidence":0.99853516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12668967247009277},{"word":"and","start":233.59,"end":233.83,"confidence":0.46972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02191787585616112},{"word":"an","start":233.83,"end":234.06999,"confidence":0.4921875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01759250834584236},{"word":"average","start":234.06999,"end":234.56999,"confidence":0.9921875,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.0255697350949049},{"word":"rate","start":234.70999,"end":235.20999,"confidence":0.48779297,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.037889137864112854},{"word":"maybe","start":237.67,"end":238.06999,"confidence":0.86035156,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.020555971190333366},{"word":"65","start":238.06999,"end":239.05,"confidence":0.9328613,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.035279713571071625},{"word":"i'm","start":244.49501,"end":244.735,"confidence":0.7922363,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.019238842651247975},{"word":"just","start":244.735,"end":244.975,"confidence":0.93408203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01674431562423706},{"word":"not","start":244.975,"end":245.13501,"confidence":0.3232422,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0015530195087194445},{"word":"an","start":245.13501,"end":245.375,"confidence":0.9580078,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0008572656661272049},{"word":"apprentice","start":245.375,"end":245.875,"confidence":0.95825195,"punctuated_word":"apprentice.","sentiment":"neutral","sentiment_score":-0.005311291664838791},{"word":"only","start":246.335,"end":246.735,"confidence":0.7949219,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":-0.018974803388118744},{"word":"an","start":246.735,"end":246.895,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.007394582033157349},{"word":"apprentice","start":246.895,"end":247.395,"confidence":0.99658203,"punctuated_word":"apprentice.","sentiment":"neutral","sentiment_score":-0.007219269871711731},{"word":"yeah","start":259.13,"end":259.53,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019087329506874084},{"word":"i'll","start":259.53,"end":259.77002,"confidence":0.7163086,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.029015392065048214},{"word":"oh","start":260.01,"end":260.09,"confidence":0.80615234,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.03246048465371132},{"word":"yeah","start":260.09,"end":260.41,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0370047390460968},{"word":"i","start":260.41,"end":260.49002,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03777625784277916},{"word":"will","start":260.49002,"end":260.73,"confidence":0.8198242,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03108114004135132},{"word":"put","start":260.73,"end":260.97,"confidence":0.83447266,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.027293123304843903},{"word":"another","start":260.97,"end":261.37,"confidence":0.9770508,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03183635324239731},{"word":"tradesman","start":261.37,"end":261.87,"confidence":0.92285156,"punctuated_word":"tradesman.","sentiment":"neutral","sentiment_score":0.0281051155179739},{"word":"yeah","start":267.61002,"end":268.11002,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31945106387138367},{"word":"yep","start":286.89,"end":287.39,"confidence":0.75097656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012127967551350594},{"word":"yeah","start":303.045,"end":303.545,"confidence":0.6862793,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02130115032196045},{"word":"okay","start":312.25,"end":312.75,"confidence":0.7697754,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.018172672018408775},{"word":"yeah","start":312.89,"end":313.39,"confidence":0.829834,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017798593267798424},{"word":"yeah","start":328.95502,"end":329.035,"confidence":0.8405762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012058762833476068},{"word":"probably","start":329.035,"end":329.535,"confidence":0.9580078,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.006399442441761494},{"word":"60","start":329.675,"end":330.175,"confidence":0.95654297,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.01070790272206068},{"word":"i","start":330.315,"end":330.395,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014083504676818848},{"word":"guess","start":330.395,"end":330.895,"confidence":0.99902344,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.020286330953240395},{"word":"yeah","start":336.95502,"end":337.45502,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01367386430501938},{"word":"yeah","start":337.595,"end":338.095,"confidence":0.94311523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03987009823322296},{"word":"yeah","start":338.34,"end":338.84,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06226106733083725},{"word":"yeah","start":339.78,"end":340.18,"confidence":0.88378906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03752323240041733},{"word":"thank","start":340.18,"end":340.5,"confidence":0.9350586,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":-0.006593681871891022},{"word":"you","start":340.5,"end":341.0,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06333407759666443},{"word":"okay","start":343.62,"end":344.12,"confidence":0.69873047,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19643612205982208},{"word":"okay","start":344.98,"end":345.46,"confidence":0.73498535,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3718428313732147},{"word":"good","start":345.46,"end":345.96,"confidence":0.8757324,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5962674617767334},{"word":"yeah","start":350.1,"end":350.6,"confidence":0.9279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2354820966720581},{"word":"yeah","start":351.06,"end":351.56,"confidence":0.8876953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27559638023376465},{"word":"okay","start":351.7,"end":352.1,"confidence":0.6123657,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4078988432884216},{"word":"thanks","start":352.1,"end":352.34,"confidence":0.5975342,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6577287316322327},{"word":"guys","start":352.34,"end":352.84,"confidence":0.85839844,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.5658583641052246},{"word":"yeah","start":384.955,"end":385.455,"confidence":0.7895508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08766716718673706},{"word":"yeah","start":388.155,"end":388.655,"confidence":0.66552734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09715993702411652},{"word":"may","start":391.435,"end":391.675,"confidence":0.2775879,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.07779956609010696},{"word":"i","start":391.675,"end":391.75497,"confidence":0.5566406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07277477532625198},{"word":"say","start":391.75497,"end":391.91498,"confidence":0.32983398,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.09471958875656128},{"word":"yep","start":392.235,"end":392.735,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09573052823543549},{"word":"yeah","start":405.98,"end":406.46002,"confidence":0.96362305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3211258351802826},{"word":"nice","start":406.46002,"end":406.78,"confidence":0.62646484,"punctuated_word":"Nice","sentiment":"positive","sentiment_score":0.7072927355766296},{"word":"to","start":406.78,"end":406.94,"confidence":0.50341797,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6342807412147522},{"word":"get","start":406.94,"end":407.26,"confidence":0.9951172,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5028290152549744},{"word":"all","start":407.26,"end":407.42,"confidence":0.71972656,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.7155237197875977},{"word":"of","start":407.42,"end":407.58002,"confidence":0.9199219,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6518473029136658},{"word":"that","start":407.58002,"end":408.08002,"confidence":0.91503906,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6868906021118164},{"word":"yeah","start":427.33002,"end":427.65002,"confidence":0.8588867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0836741104722023},{"word":"she","start":427.65002,"end":428.05002,"confidence":0.9902344,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.08191020786762238},{"word":"does","start":428.05002,"end":428.55002,"confidence":0.99316406,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.0838572233915329},{"word":"oh","start":428.61002,"end":428.85,"confidence":0.92626953,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.059979476034641266},{"word":"she's","start":428.85,"end":429.35,"confidence":0.9970703,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.041839681565761566},{"word":"she's","start":430.37003,"end":430.85,"confidence":0.9182129,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03855322301387787},{"word":"a","start":430.85,"end":431.09003,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0446745902299881},{"word":"nurse","start":431.09003,"end":431.59003,"confidence":0.9995117,"punctuated_word":"nurse.","sentiment":"neutral","sentiment_score":0.054653145372867584},{"word":"yeah","start":433.65002,"end":434.15002,"confidence":0.98461914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08265261352062225},{"word":"sorry","start":434.61002,"end":435.11002,"confidence":0.79248047,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0022131428122520447},{"word":"i'd","start":437.97,"end":438.21002,"confidence":0.8757324,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.05172150582075119},{"word":"hope","start":438.21002,"end":438.53,"confidence":0.97314453,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.0638483315706253},{"word":"so","start":438.53,"end":438.85,"confidence":0.9921875,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.06668461859226227},{"word":"yeah","start":438.85,"end":439.35,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003302222117781639},{"word":"oh","start":470.92502,"end":471.08502,"confidence":0.6855469,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.2369308769702911},{"word":"okay","start":471.08502,"end":471.58502,"confidence":0.9436035,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.11403103172779085},{"word":"yeah","start":473.245,"end":473.745,"confidence":0.78393555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003618425689637661},{"word":"alright","start":490.5,"end":490.98,"confidence":0.6726074,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.008849987760186195},{"word":"yeah","start":490.98,"end":491.14,"confidence":0.65808105,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005817347206175327},{"word":"well","start":491.14,"end":491.64,"confidence":0.69262695,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0028201276436448097},{"word":"six","start":493.14,"end":493.64,"confidence":0.3178711,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.012788696214556694},{"word":"thirty","start":494.34003,"end":494.84003,"confidence":0.7705078,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.01262582652270794},{"word":"six","start":495.14,"end":495.64,"confidence":0.98291016,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":0.016983652487397194},{"word":"yes","start":509.85498,"end":510.35498,"confidence":0.7110596,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0505448654294014},{"word":"possibly","start":514.82,"end":515.30005,"confidence":0.64208984,"punctuated_word":"Possibly,","sentiment":"neutral","sentiment_score":0.013052400201559069},{"word":"we'll","start":515.30005,"end":515.54004,"confidence":0.83374023,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0099727688357234},{"word":"see","start":515.54004,"end":515.7,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0123869851231575},{"word":"how","start":515.7,"end":515.86005,"confidence":0.81933594,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.029015444219112396},{"word":"she","start":515.86005,"end":516.10004,"confidence":0.99609375,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.02252049744129181},{"word":"goes","start":516.10004,"end":516.5,"confidence":0.9951172,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.005796477198600769},{"word":"i","start":516.5,"end":516.74005,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07888174057006836},{"word":"i","start":516.74005,"end":517.06,"confidence":0.5463867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10554422438144684},{"word":"just","start":517.06,"end":517.56,"confidence":0.78759766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07504667341709137},{"word":"yeah","start":518.18005,"end":518.68005,"confidence":0.8041992,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09400206059217452},{"word":"i'll","start":519.54004,"end":519.78,"confidence":0.94555664,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.23062829673290253},{"word":"burn","start":519.78,"end":520.10004,"confidence":0.97265625,"punctuated_word":"burn","sentiment":"negative","sentiment_score":-0.3335062861442566},{"word":"myself","start":520.10004,"end":520.60004,"confidence":0.96240234,"punctuated_word":"myself","sentiment":"negative","sentiment_score":-0.3581535816192627},{"word":"out","start":520.66003,"end":520.98004,"confidence":0.9892578,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.36921632289886475},{"word":"by","start":520.98004,"end":521.14,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.29999005794525146},{"word":"the","start":521.14,"end":521.30005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28836163878440857},{"word":"time","start":521.30005,"end":521.54004,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.20580126345157623},{"word":"i'm","start":521.54004,"end":521.78,"confidence":0.98307294,"punctuated_word":"I'm,","sentiment":"neutral","sentiment_score":-0.16825072467327118},{"word":"you","start":521.78,"end":521.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12233919650316238},{"word":"know","start":521.94,"end":522.44,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1321609765291214},{"word":"60","start":522.82,"end":523.32,"confidence":0.98828125,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.061939023435115814},{"word":"doing","start":523.38,"end":523.7,"confidence":0.90527344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.16592852771282196},{"word":"this","start":523.7,"end":524.18005,"confidence":0.65844727,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.18257662653923035},{"word":"so","start":524.18005,"end":524.34,"confidence":0.4519043,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12475483119487762},{"word":"i","start":524.34,"end":524.42004,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11813735216856004},{"word":"need","start":524.42004,"end":524.66003,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1809538900852203},{"word":"someone","start":524.66003,"end":525.06,"confidence":0.9970703,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.1438235342502594},{"word":"to","start":525.06,"end":525.22003,"confidence":0.7495117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15071335434913635},{"word":"help","start":525.22003,"end":525.46,"confidence":0.77734375,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.12686999142169952},{"word":"me","start":525.46,"end":525.96,"confidence":0.76049805,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.10229511559009552},{"word":"but","start":526.385,"end":526.885,"confidence":0.97509766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00558045506477356},{"word":"yeah","start":529.905,"end":530.405,"confidence":0.9321289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05939599871635437},{"word":"it","start":531.905,"end":532.145,"confidence":0.93115234,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13398054242134094},{"word":"would","start":532.145,"end":532.385,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.18933287262916565},{"word":"be","start":532.385,"end":532.545,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17174656689167023},{"word":"nice","start":532.545,"end":532.785,"confidence":0.9970703,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.21723271906375885},{"word":"if","start":532.785,"end":532.945,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.225920170545578},{"word":"we","start":532.945,"end":533.105,"confidence":0.9658203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16262313723564148},{"word":"could","start":533.105,"end":533.265,"confidence":0.96240234,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.19799458980560303},{"word":"both","start":533.265,"end":533.505,"confidence":0.98291016,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.15496090054512024},{"word":"retire","start":533.505,"end":533.905,"confidence":0.95947266,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.0581551194190979},{"word":"at","start":533.905,"end":533.985,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11030597984790802},{"word":"the","start":533.985,"end":534.065,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10050482302904128},{"word":"same","start":534.065,"end":534.385,"confidence":0.9980469,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.11836794018745422},{"word":"time","start":534.385,"end":534.625,"confidence":0.99121094,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.09122180938720705},{"word":"i","start":534.625,"end":534.785,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05476074293255806},{"word":"guess","start":534.785,"end":535.285,"confidence":0.98535156,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.028137914836406708},{"word":"if","start":547.25,"end":547.57,"confidence":0.6591797,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0940106213092804},{"word":"i","start":547.57,"end":547.73,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07506634294986725},{"word":"could","start":547.73,"end":547.97,"confidence":0.94140625,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0947067141532898},{"word":"yeah","start":548.93,"end":549.17,"confidence":0.98291016,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06066243723034859},{"word":"if","start":549.17,"end":549.49,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0709630697965622},{"word":"i","start":549.49,"end":549.64996,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05682851001620293},{"word":"could","start":549.64996,"end":550.14996,"confidence":0.7883301,"punctuated_word":"could.","sentiment":"neutral","sentiment_score":0.08796356618404388},{"word":"yeah","start":552.285,"end":552.685,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03976770490407944},{"word":"unless","start":552.685,"end":553.085,"confidence":0.91503906,"punctuated_word":"Unless","sentiment":"neutral","sentiment_score":-0.028787847608327866},{"word":"i","start":553.085,"end":553.165,"confidence":0.84716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0057410746812820435},{"word":"win","start":553.165,"end":553.485,"confidence":0.90478516,"punctuated_word":"win","sentiment":"neutral","sentiment_score":-0.0075461044907569885},{"word":"a","start":553.485,"end":553.565,"confidence":0.4921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04964869096875191},{"word":"lotto","start":553.565,"end":554.045,"confidence":0.7648926,"punctuated_word":"lotto","sentiment":"neutral","sentiment_score":-0.02340465411543846},{"word":"or","start":554.045,"end":554.125,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0620434507727623},{"word":"something","start":554.125,"end":554.625,"confidence":0.75,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":-0.045382119715213776},{"word":"but","start":554.845,"end":554.925,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.003357909619808197},{"word":"yeah","start":555.005,"end":555.505,"confidence":0.9975586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.016502201557159424},{"word":"looks","start":557.165,"end":557.485,"confidence":0.47265625,"punctuated_word":"Looks","sentiment":"neutral","sentiment_score":0.05779744312167168},{"word":"yeah","start":557.565,"end":557.885,"confidence":0.96972656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05716889351606369},{"word":"say","start":557.885,"end":558.125,"confidence":0.4416504,"punctuated_word":"Say","sentiment":"neutral","sentiment_score":0.05704755336046219},{"word":"the","start":558.125,"end":558.285,"confidence":0.4951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04085720703005791},{"word":"60","start":558.285,"end":558.785,"confidence":0.99658203,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.06870260089635849},{"word":"no","start":594.47504,"end":594.875,"confidence":0.8286133,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14327551424503326},{"word":"i","start":594.875,"end":595.03503,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.201585054397583},{"word":"haven't","start":595.03503,"end":595.53503,"confidence":0.9916992,"punctuated_word":"haven't.","sentiment":"neutral","sentiment_score":-0.1484048217535019},{"word":"yeah","start":598.47003,"end":598.87,"confidence":0.7607422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008349256590008736},{"word":"no","start":598.87,"end":599.37,"confidence":0.8642578,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04981854557991028},{"word":"but","start":599.59,"end":599.75,"confidence":0.51171875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01179019920527935},{"word":"i","start":599.75,"end":599.91003,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0020219646394252777},{"word":"do","start":599.91003,"end":600.15,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02035239338874817},{"word":"have","start":600.15,"end":600.65,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0011674035340547562},{"word":"i","start":601.59,"end":601.75,"confidence":0.93408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010121338069438934},{"word":"do","start":601.75,"end":601.91003,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04261579364538193},{"word":"have","start":601.91003,"end":602.41003,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03273051604628563},{"word":"three","start":602.71,"end":603.11005,"confidence":0.8989258,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.03490249067544937},{"word":"boys","start":603.11005,"end":603.59,"confidence":0.9970703,"punctuated_word":"boys","sentiment":"neutral","sentiment_score":0.04737011343240738},{"word":"and","start":603.59,"end":604.09,"confidence":0.3408203,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.020054886117577553},{"word":"you","start":604.79004,"end":605.03,"confidence":0.49560547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002499820664525032},{"word":"know","start":605.03,"end":605.19,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.021062154322862625},{"word":"i","start":605.19,"end":605.35004,"confidence":0.17578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05208832398056984},{"word":"have","start":605.35004,"end":605.43,"confidence":0.4609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.029692916199564937},{"word":"one","start":605.43,"end":605.59,"confidence":0.9199219,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.046347133815288544},{"word":"girl","start":605.59,"end":605.91003,"confidence":0.9741211,"punctuated_word":"girl","sentiment":"neutral","sentiment_score":0.056800343096256256},{"word":"that's","start":605.91003,"end":606.15,"confidence":0.9094238,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.029668066650629044},{"word":"still","start":606.15,"end":606.47003,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01962527073919773},{"word":"in","start":606.47003,"end":606.79004,"confidence":0.42382812,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02904188632965088},{"word":"school","start":606.79004,"end":607.11005,"confidence":0.8334961,"punctuated_word":"school,","sentiment":"neutral","sentiment_score":0.02389965020120144},{"word":"but","start":607.11005,"end":607.61005,"confidence":0.92333984,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04064334183931351},{"word":"they","start":608.32495,"end":608.40497,"confidence":0.4753418,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1917749047279358},{"word":"will","start":608.40497,"end":608.485,"confidence":0.43286133,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4491482973098755},{"word":"have","start":608.485,"end":608.805,"confidence":0.42626953,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.49364155530929565},{"word":"fun","start":608.805,"end":609.045,"confidence":0.5871582,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.38622742891311646},{"word":"maybe","start":609.045,"end":609.365,"confidence":0.93115234,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.30947503447532654},{"word":"one","start":609.365,"end":609.605,"confidence":0.91748047,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.27105778455734253},{"word":"of","start":609.605,"end":609.685,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2638702988624573},{"word":"them","start":609.685,"end":609.925,"confidence":0.9941406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.27178141474723816},{"word":"wants","start":609.925,"end":610.165,"confidence":0.9819336,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.2269483357667923},{"word":"to","start":610.165,"end":610.665,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2301306426525116},{"word":"give","start":612.245,"end":612.485,"confidence":0.94384766,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1827594488859177},{"word":"it","start":612.485,"end":612.64496,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17354393005371094},{"word":"a","start":612.64496,"end":612.805,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15285152196884155},{"word":"go","start":612.805,"end":613.305,"confidence":0.98339844,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.16554053127765656},{"word":"yeah","start":619.52496,"end":620.02496,"confidence":0.8041992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19721350073814392},{"word":"yeah","start":621.285,"end":621.52496,"confidence":0.6968994,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1481984555721283},{"word":"that's","start":621.52496,"end":622.00494,"confidence":0.8720703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1835971176624298},{"word":"right","start":622.00494,"end":622.50494,"confidence":0.8352051,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2014792263507843},{"word":"yes","start":632.63,"end":633.13,"confidence":0.8691406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.30283021926879883},{"word":"yep","start":644.175,"end":644.675,"confidence":0.75341797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.034258827567100525},{"word":"oh","start":684.55,"end":684.71,"confidence":0.9086914,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03399930149316788},{"word":"i","start":684.71,"end":684.79004,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026138532906770703},{"word":"wanted","start":684.79004,"end":685.11,"confidence":0.96240234,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.014235153794288635},{"word":"to","start":685.11,"end":685.27,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02879773825407028},{"word":"pay","start":685.27,"end":685.51,"confidence":0.9892578,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.03404270112514496},{"word":"out","start":685.51,"end":685.67004,"confidence":0.890625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.059009335935115814},{"word":"my","start":685.67004,"end":685.99,"confidence":0.65722656,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05331481620669365},{"word":"mortgage","start":685.99,"end":686.47003,"confidence":0.9848633,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.04197078198194504},{"word":"i","start":686.47003,"end":686.63,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06393396854400635},{"word":"mean","start":686.63,"end":687.11,"confidence":0.9941406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.08939430117607117},{"word":"missus","start":687.11,"end":687.59,"confidence":0.8251953,"punctuated_word":"missus","sentiment":"neutral","sentiment_score":0.12589392066001892},{"word":"doesn't","start":687.59,"end":687.99,"confidence":0.98950195,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.11262786388397215},{"word":"have","start":687.99,"end":688.07,"confidence":0.6303711,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11517707258462906},{"word":"to","start":688.07,"end":688.15,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07845543324947357},{"word":"worry","start":688.15,"end":688.47003,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.05106401443481445},{"word":"about","start":688.47003,"end":688.63,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.054066818207502365},{"word":"the","start":688.63,"end":688.87,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05254648253321648},{"word":"mortgage","start":688.87,"end":689.27,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.0009871795773506165},{"word":"and","start":689.27,"end":689.51,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06241662800312042},{"word":"the","start":689.51,"end":689.67004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08780653774738312},{"word":"kids","start":689.67004,"end":690.17004,"confidence":0.81518555,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.07659661769866943},{"word":"and","start":690.71,"end":691.21,"confidence":0.86328125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04364359378814697},{"word":"don't","start":695.19,"end":695.43,"confidence":0.8125,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.01285477727651596},{"word":"know","start":695.43,"end":695.67004,"confidence":0.8017578,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.001471295952796936},{"word":"really","start":695.67004,"end":696.15,"confidence":0.8774414,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.0021110624074935913},{"word":"maybe","start":696.15,"end":696.47003,"confidence":0.9980469,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.006270572543144226},{"word":"just","start":696.47003,"end":696.79004,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0021277666091918945},{"word":"this","start":696.79004,"end":696.95,"confidence":0.5029297,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.005168240517377853},{"word":"kid's","start":696.95,"end":697.27,"confidence":0.9013672,"punctuated_word":"kid's","sentiment":"neutral","sentiment_score":0.0013989347498863935},{"word":"school","start":697.27,"end":697.75,"confidence":1.0,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.007483441382646561},{"word":"fees","start":697.75,"end":698.07,"confidence":0.5966797,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.004033615812659264},{"word":"like","start":698.07,"end":698.39,"confidence":0.73168945,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.005251999944448471},{"word":"it's","start":698.39,"end":698.63,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.004936418496072292},{"word":"probably","start":698.63,"end":699.13,"confidence":0.9902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01015150547027588},{"word":"next","start":701.025,"end":701.265,"confidence":0.99609375,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01752496510744095},{"word":"year","start":701.265,"end":701.505,"confidence":0.9448242,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.01903354562819004},{"word":"it's","start":701.505,"end":701.745,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01858954131603241},{"word":"gonna","start":701.745,"end":701.98505,"confidence":0.98095703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.025255650281906128},{"word":"be","start":701.98505,"end":702.22504,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.026414338499307632},{"word":"about","start":702.22504,"end":702.705,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.010206993669271467},{"word":"65,000","start":702.705,"end":703.905,"confidence":0.99902344,"punctuated_word":"65,000","sentiment":"neutral","sentiment_score":0.02308126725256443},{"word":"a","start":703.905,"end":704.065,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006462814286351204},{"word":"year","start":704.065,"end":704.385,"confidence":0.77441406,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.00022126547992229464},{"word":"and","start":704.385,"end":704.54504,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003917228430509567},{"word":"then","start":704.54504,"end":705.04504,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0006542317569255829},{"word":"after","start":705.585,"end":705.905,"confidence":0.98095703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.010689817368984222},{"word":"once","start":705.905,"end":706.22504,"confidence":0.72021484,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.00943741388618946},{"word":"a","start":706.22504,"end":706.385,"confidence":0.8720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007486216723918915},{"word":"girl","start":706.385,"end":706.705,"confidence":0.99902344,"punctuated_word":"girl","sentiment":"neutral","sentiment_score":0.0033011995255947113},{"word":"goes","start":706.705,"end":707.025,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.01295832172036171},{"word":"into","start":707.025,"end":707.265,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.00807955488562584},{"word":"her","start":707.265,"end":707.505,"confidence":0.98828125,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.0010133199393749237},{"word":"school","start":707.505,"end":707.825,"confidence":0.9970703,"punctuated_word":"school,","sentiment":"neutral","sentiment_score":-0.0013628937304019928},{"word":"it's","start":707.825,"end":707.98505,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0058946735225617886},{"word":"probably","start":707.98505,"end":708.305,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.024877339601516724},{"word":"gonna","start":708.305,"end":708.54504,"confidence":0.98535156,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.013240274041891098},{"word":"be","start":708.54504,"end":708.705,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02279168739914894},{"word":"up","start":708.705,"end":708.86505,"confidence":0.9604492,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.011703725904226305},{"word":"near","start":708.86505,"end":709.025,"confidence":0.9604492,"punctuated_word":"near","sentiment":"neutral","sentiment_score":0.02852879837155342},{"word":"the","start":709.025,"end":709.185,"confidence":0.7963867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009963475167751312},{"word":"75","start":709.185,"end":710.16504,"confidence":0.9012451,"punctuated_word":"75.","sentiment":"neutral","sentiment_score":0.01162305474281311},{"word":"you","start":711.185,"end":711.34503,"confidence":0.96435547,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0020348168909549713},{"word":"know","start":711.34503,"end":711.66504,"confidence":0.97924805,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.0048703402280807495},{"word":"so","start":711.66504,"end":711.905,"confidence":0.71240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004362849518656731},{"word":"as","start":711.905,"end":712.065,"confidence":0.86572266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.006451515480875969},{"word":"long","start":712.065,"end":712.22504,"confidence":0.9604492,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.007055496796965599},{"word":"as","start":712.22504,"end":712.385,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.010111590847373009},{"word":"it","start":712.385,"end":712.54504,"confidence":0.8959961,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006932016462087631},{"word":"can","start":712.54504,"end":712.705,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.001264382153749466},{"word":"cover","start":712.705,"end":713.025,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.01727975904941559},{"word":"their","start":713.025,"end":713.34503,"confidence":0.6591797,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.0025765933096408844},{"word":"school","start":713.34503,"end":713.585,"confidence":0.96240234,"punctuated_word":"school","sentiment":"neutral","sentiment_score":-0.0017757639288902285},{"word":"fees","start":713.585,"end":714.085,"confidence":0.98339844,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.005516389384865761},{"word":"yeah","start":717.46,"end":717.86,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0027604885399341583},{"word":"they","start":717.86,"end":718.1,"confidence":0.97314453,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.013622455298900604},{"word":"are","start":718.1,"end":718.6,"confidence":0.9921875,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.0006895046681165695},{"word":"i","start":726.02,"end":726.18,"confidence":0.72265625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036471590399742126},{"word":"think","start":726.18,"end":726.33997,"confidence":0.96972656,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.027071259915828705},{"word":"it's","start":726.33997,"end":726.58,"confidence":0.8925781,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.026490280404686928},{"word":"like","start":726.58,"end":726.82,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.015310660004615784},{"word":"$4.85","start":726.82,"end":727.86,"confidence":0.9918213,"punctuated_word":"$4.85","sentiment":"neutral","sentiment_score":0.007679379545152187},{"word":"or","start":727.86,"end":728.26,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.030050456523895264},{"word":"something","start":728.26,"end":728.76,"confidence":0.99316406,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.017383377999067307},{"word":"oh","start":766.765,"end":767.265,"confidence":0.75268555,"punctuated_word":"Oh,","sentiment":"negative","sentiment_score":-0.4885789155960083},{"word":"shit","start":767.66003,"end":768.16003,"confidence":0.9946289,"punctuated_word":"shit.","sentiment":"negative","sentiment_score":-0.5788135528564453},{"word":"no","start":769.9,"end":770.38,"confidence":0.904541,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.4265214800834656},{"word":"it","start":770.38,"end":770.7,"confidence":0.9140625,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.44328445196151733},{"word":"probably","start":770.7,"end":771.18005,"confidence":0.9526367,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.4222288131713867},{"word":"would","start":771.18005,"end":771.5,"confidence":0.99121094,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.3338581919670105},{"word":"be","start":771.5,"end":771.74005,"confidence":0.84716797,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.318114697933197},{"word":"i","start":771.74005,"end":771.9,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.32275697588920593},{"word":"guess","start":771.9,"end":772.4,"confidence":0.8034668,"punctuated_word":"guess.","sentiment":"negative","sentiment_score":-0.3530065417289734},{"word":"if","start":772.54004,"end":772.78,"confidence":0.5229492,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.2648286521434784},{"word":"i","start":772.78,"end":773.28,"confidence":0.85253906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2267805337905884},{"word":"they'd","start":773.82,"end":774.14,"confidence":0.7873535,"punctuated_word":"they'd","sentiment":"neutral","sentiment_score":-0.25895893573760986},{"word":"probably","start":774.14,"end":774.62006,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.31838613748550415},{"word":"downsize","start":774.62006,"end":775.12006,"confidence":0.9904785,"punctuated_word":"downsize","sentiment":"neutral","sentiment_score":-0.2687503695487976},{"word":"the","start":775.26,"end":775.34,"confidence":0.9135742,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3565104007720947},{"word":"house","start":775.34,"end":775.74005,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.3291112184524536},{"word":"anyway","start":775.74005,"end":776.24005,"confidence":0.82470703,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.2746659517288208},{"word":"if","start":776.7,"end":776.86005,"confidence":0.45581055,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.23748166859149933},{"word":"i","start":776.86005,"end":777.36005,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2518962323665619},{"word":"you","start":777.98004,"end":778.14,"confidence":0.88720703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07820291072130203},{"word":"know","start":778.14,"end":778.54004,"confidence":0.6689453,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1029607355594635},{"word":"so","start":778.54004,"end":779.04004,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04635478928685188},{"word":"i'd","start":779.10004,"end":779.60004,"confidence":0.92089844,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.020399730652570724},{"word":"say","start":779.66003,"end":779.9,"confidence":0.8574219,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.03477703407406807},{"word":"that","start":779.9,"end":780.22003,"confidence":0.9086914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.033079199492931366},{"word":"house","start":780.22003,"end":780.54004,"confidence":0.9223633,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.04932567477226257},{"word":"is","start":780.54004,"end":780.78,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05906115099787712},{"word":"probably","start":780.78,"end":781.28,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07108698785305023},{"word":"currently","start":781.42004,"end":781.92004,"confidence":0.6567383,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.08311252295970917},{"word":"maybe","start":783.355,"end":783.675,"confidence":0.9770508,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.07704539597034454},{"word":"worth","start":783.675,"end":784.07495,"confidence":0.98535156,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.09718235582113266},{"word":"1.67","start":784.07495,"end":786.33496,"confidence":0.93914795,"punctuated_word":"1.67.","sentiment":"neutral","sentiment_score":-0.09758543968200684},{"word":"you","start":786.555,"end":786.71497,"confidence":0.9760742,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04236821085214615},{"word":"know","start":786.71497,"end":787.21497,"confidence":0.98535156,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.04078271239995957},{"word":"if","start":788.475,"end":788.71497,"confidence":0.32299805,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06868087500333786},{"word":"we","start":788.71497,"end":788.795,"confidence":0.3786621,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06692743301391602},{"word":"were","start":788.795,"end":788.95496,"confidence":0.5488281,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.047273822128772736},{"word":"to","start":788.95496,"end":789.19495,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04628768563270569},{"word":"sell","start":789.19495,"end":789.435,"confidence":0.99316406,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.061391234397888184},{"word":"it","start":789.435,"end":789.675,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06005353480577469},{"word":"tomorrow","start":789.675,"end":790.175,"confidence":0.82373047,"punctuated_word":"tomorrow,","sentiment":"neutral","sentiment_score":-0.07421673834323883},{"word":"depending","start":790.63495,"end":791.115,"confidence":0.8378906,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.04634781926870346},{"word":"on","start":791.115,"end":791.19495,"confidence":0.66064453,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05723980814218521},{"word":"what","start":791.19495,"end":791.675,"confidence":0.9707031,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07061867415904999},{"word":"elbow","start":791.675,"end":792.07495,"confidence":0.37280273,"punctuated_word":"Elbow","sentiment":"neutral","sentiment_score":-0.0776534304022789},{"word":"does","start":792.07495,"end":792.39496,"confidence":0.9790039,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10673104226589204},{"word":"with","start":792.39496,"end":792.555,"confidence":0.9550781,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08812225610017776},{"word":"their","start":792.555,"end":793.035,"confidence":0.5336914,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.13233402371406555},{"word":"house","start":793.035,"end":793.435,"confidence":0.9902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.10916700959205627},{"word":"prices","start":793.435,"end":793.935,"confidence":0.75024414,"punctuated_word":"prices.","sentiment":"neutral","sentiment_score":-0.1020575761795044},{"word":"but","start":793.995,"end":794.235,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.042201727628707886},{"word":"the","start":794.235,"end":794.39496,"confidence":0.5390625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.049836575984954834},{"word":"i","start":794.555,"end":794.71497,"confidence":0.42236328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051713764667510986},{"word":"probably","start":794.71497,"end":795.035,"confidence":0.8828125,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07001092284917831},{"word":"would","start":795.035,"end":795.19495,"confidence":0.87158203,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05679892748594284},{"word":"i'll","start":795.19495,"end":795.435,"confidence":0.54016113,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.049741655588150024},{"word":"be","start":795.435,"end":795.915,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.025117263197898865},{"word":"would","start":796.15497,"end":796.315,"confidence":0.3947754,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.023457571864128113},{"word":"be","start":796.315,"end":796.555,"confidence":0.9892578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03190365433692932},{"word":"looking","start":796.555,"end":796.795,"confidence":0.9941406,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.035819582641124725},{"word":"at","start":796.795,"end":796.95496,"confidence":0.7038574,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.041324183344841},{"word":"you","start":796.95496,"end":797.115,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05327285081148147},{"word":"know","start":797.115,"end":797.355,"confidence":0.91430664,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06264577060937881},{"word":"so","start":797.355,"end":797.595,"confidence":0.87353516,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02177518606185913},{"word":"that","start":797.595,"end":798.095,"confidence":0.94970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015536993741989136},{"word":"i","start":798.85004,"end":799.09,"confidence":0.96435547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042022041976451874},{"word":"think","start":799.09,"end":799.33,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03194040805101395},{"word":"it'd","start":799.33,"end":799.65,"confidence":0.89404297,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":-0.01251599472016096},{"word":"be","start":799.65,"end":799.89,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03518988937139511},{"word":"right","start":799.89,"end":800.39,"confidence":0.7229004,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.015862945467233658},{"word":"the","start":800.85004,"end":801.09,"confidence":0.8691406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04613927751779556},{"word":"5","start":801.09,"end":801.33,"confidence":0.9980469,"punctuated_word":"5","sentiment":"neutral","sentiment_score":0.045982472598552704},{"word":"100","start":801.33,"end":801.65,"confidence":0.7182617,"punctuated_word":"100.","sentiment":"neutral","sentiment_score":0.05212071165442467},{"word":"is","start":801.65,"end":801.89,"confidence":0.8676758,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.032026760280132294},{"word":"it","start":801.89,"end":802.05005,"confidence":0.88427734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03454168885946274},{"word":"500","start":802.05005,"end":802.61005,"confidence":0.9975586,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.04641730710864067},{"word":"for","start":802.61005,"end":802.77,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02916979417204857},{"word":"the","start":802.77,"end":803.01,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045765433460474014},{"word":"life","start":803.01,"end":803.25,"confidence":0.9838867,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06430458277463913},{"word":"insurance","start":803.25,"end":803.75,"confidence":0.9980469,"punctuated_word":"insurance?","sentiment":"neutral","sentiment_score":0.0435795933008194},{"word":"yeah","start":807.17004,"end":807.67004,"confidence":0.77490234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04560883343219757},{"word":"3","start":811.60504,"end":812.10504,"confidence":0.3696289,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.08718164265155792},{"word":"5","start":816.965,"end":817.205,"confidence":0.7446289,"punctuated_word":"5.","sentiment":"neutral","sentiment_score":0.07160491496324539},{"word":"what","start":817.205,"end":817.365,"confidence":0.6269531,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.020674750208854675},{"word":"is","start":817.365,"end":817.60504,"confidence":0.8935547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007224272936582565},{"word":"it","start":817.60504,"end":817.84503,"confidence":0.9453125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014173593372106552},{"word":"what","start":817.84503,"end":818.005,"confidence":0.70947266,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0020172595977783203},{"word":"is","start":818.005,"end":818.16504,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.004588048905134201},{"word":"it","start":818.16504,"end":818.48505,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0002776198089122772},{"word":"what","start":818.48505,"end":818.72504,"confidence":0.93115234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011699521914124489},{"word":"is","start":818.72504,"end":818.885,"confidence":0.9248047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03738124668598175},{"word":"it","start":818.885,"end":819.385,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027260487899184227},{"word":"what","start":819.765,"end":820.005,"confidence":0.80615234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08654806017875671},{"word":"is","start":820.005,"end":820.16504,"confidence":0.6933594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09060421586036682},{"word":"it","start":820.16504,"end":820.48505,"confidence":0.86621094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07662748545408249},{"word":"change","start":820.48505,"end":820.98505,"confidence":0.8774414,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.06945226341485977},{"word":"by","start":821.28503,"end":821.525,"confidence":0.9135742,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.06897731870412827},{"word":"check","start":821.525,"end":821.685,"confidence":0.74853516,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.054027408361434937},{"word":"putting","start":821.765,"end":822.085,"confidence":0.9892578,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.05167945474386215},{"word":"it","start":822.085,"end":822.245,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06208319962024689},{"word":"up","start":822.245,"end":822.405,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05878457427024841},{"word":"at","start":822.405,"end":822.565,"confidence":0.83251953,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07046177238225937},{"word":"that","start":822.565,"end":822.72504,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07152433693408966},{"word":"higher","start":822.72504,"end":823.04504,"confidence":0.96875,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.08294267952442169},{"word":"bracket","start":823.04504,"end":823.365,"confidence":0.9694824,"punctuated_word":"bracket?","sentiment":"neutral","sentiment_score":-0.08030864596366882},{"word":"is","start":823.365,"end":823.525,"confidence":0.9970703,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.09447552263736723},{"word":"it","start":823.525,"end":823.685,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08671398460865021},{"word":"just","start":823.685,"end":823.92505,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08586204797029495},{"word":"a","start":823.92505,"end":824.005,"confidence":0.90722656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09552457183599472},{"word":"higher","start":824.005,"end":824.405,"confidence":0.9819336,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.10612015426158904},{"word":"fee","start":824.405,"end":824.905,"confidence":0.99316406,"punctuated_word":"fee?","sentiment":"neutral","sentiment_score":-0.08961504697799683},{"word":"yeah","start":837.48,"end":837.98,"confidence":0.828125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.030727919191122055},{"word":"because","start":838.12,"end":838.6,"confidence":0.7216797,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.14659011363983154},{"word":"i'm","start":838.6,"end":838.83997,"confidence":0.51452637,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19638332724571228},{"word":"busy","start":838.83997,"end":839.24,"confidence":0.5576172,"punctuated_word":"busy.","sentiment":"neutral","sentiment_score":-0.2363325208425522},{"word":"i'm","start":839.24,"end":839.39996,"confidence":0.3692627,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2695464789867401},{"word":"actually","start":839.39996,"end":839.88,"confidence":0.8852539,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.24025306105613708},{"word":"getting","start":839.88,"end":840.36,"confidence":0.8911133,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.25326424837112427},{"word":"fucked","start":840.36,"end":840.6,"confidence":0.24145508,"punctuated_word":"fucked","sentiment":"neutral","sentiment_score":-0.3201668858528137},{"word":"with","start":840.6,"end":841.1,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3106364607810974},{"word":"other","start":843.53503,"end":844.03503,"confidence":0.97314453,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.3091599643230438},{"word":"people","start":844.495,"end":844.815,"confidence":0.9013672,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.27062153816223145},{"word":"trying","start":844.815,"end":845.135,"confidence":0.9506836,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.25777533650398254},{"word":"to","start":845.135,"end":845.29504,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24930958449840543},{"word":"ring","start":845.29504,"end":845.615,"confidence":0.80078125,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.24450694024562836},{"word":"me","start":845.615,"end":845.695,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.28939417004585266},{"word":"and","start":845.695,"end":846.195,"confidence":0.6755371,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.2055153250694275},{"word":"you","start":846.495,"end":846.815,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2088543176651001},{"word":"know","start":846.815,"end":847.055,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20537202060222623},{"word":"so","start":847.055,"end":847.215,"confidence":0.35424805,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1952492743730545},{"word":"many","start":847.215,"end":847.53503,"confidence":0.8408203,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.1983153223991394},{"word":"out","start":847.53503,"end":847.695,"confidence":0.5,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.19615617394447327},{"word":"of","start":847.695,"end":847.85504,"confidence":0.30541992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16345703601837158},{"word":"all","start":847.85504,"end":847.935,"confidence":0.22851562,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.19196218252182007},{"word":"that's","start":847.935,"end":848.255,"confidence":0.42663574,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.18825596570968628},{"word":"lost","start":848.255,"end":848.335,"confidence":0.6904297,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.2047372460365295},{"word":"insurance","start":848.335,"end":848.835,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.18755748867988584},{"word":"and","start":849.135,"end":849.635,"confidence":0.5,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1084425449371338},{"word":"but","start":850.73505,"end":850.97504,"confidence":0.7963867,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07371591031551361},{"word":"i","start":850.97504,"end":851.055,"confidence":0.6591797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10147863626480104},{"word":"think","start":851.055,"end":851.29504,"confidence":0.8095703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07928837835788727},{"word":"it'd","start":851.29504,"end":851.455,"confidence":0.79418945,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":-0.07117359340190887},{"word":"be","start":851.455,"end":851.615,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07376766949892044},{"word":"good","start":851.615,"end":851.85504,"confidence":0.99121094,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.0588991641998291},{"word":"to","start":851.85504,"end":852.015,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03673784434795379},{"word":"see","start":852.015,"end":852.175,"confidence":0.67578125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.028828129172325134},{"word":"before","start":852.175,"end":852.575,"confidence":0.79248047,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.04841957241296768},{"word":"i","start":852.575,"end":852.73505,"confidence":0.41796875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0638657882809639},{"word":"get","start":852.73505,"end":853.23505,"confidence":0.23376465,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07812105119228363},{"word":"then","start":853.695,"end":853.935,"confidence":0.48120117,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.005825206637382507},{"word":"i","start":853.935,"end":854.09503,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003787145018577576},{"word":"can","start":854.09503,"end":854.255,"confidence":0.9428711,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.004394128918647766},{"word":"compare","start":854.255,"end":854.49,"confidence":0.8964844,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":-0.08283650875091553},{"word":"with","start":854.64996,"end":854.81,"confidence":0.8232422,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.054679811000823975},{"word":"the","start":854.81,"end":854.89,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03449351340532303},{"word":"other","start":854.89,"end":855.20996,"confidence":0.99316406,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.04587201029062271},{"word":"companies","start":855.20996,"end":855.69,"confidence":0.78222656,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":-0.033457186073064804},{"word":"because","start":855.69,"end":855.85,"confidence":0.49853516,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03251003473997116},{"word":"i","start":855.85,"end":856.01,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04767536744475365},{"word":"think","start":856.01,"end":856.25,"confidence":0.9707031,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02248583361506462},{"word":"i'm","start":856.25,"end":856.33,"confidence":0.9145508,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.013873393647372724},{"word":"with","start":856.33,"end":856.64996,"confidence":0.9770508,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.023469228297472},{"word":"me","start":856.64996,"end":856.81,"confidence":0.2199707,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.004837021231651306},{"word":"or","start":856.81,"end":856.97,"confidence":0.5576172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.022785060107707977},{"word":"susan","start":856.97,"end":857.45,"confidence":0.5551758,"punctuated_word":"Susan","sentiment":"neutral","sentiment_score":0.01544652134180069},{"word":"or","start":857.45,"end":857.52997,"confidence":0.62597656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005661733448505402},{"word":"nei","start":857.52997,"end":857.93,"confidence":0.350708,"punctuated_word":"Nei","sentiment":"neutral","sentiment_score":0.022709418088197708},{"word":"or","start":857.93,"end":858.01,"confidence":0.68847656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.000029671937227249146},{"word":"i","start":862.61,"end":863.11,"confidence":0.08111572,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05560147389769554},{"word":"think","start":867.20996,"end":867.70996,"confidence":0.4638672,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04215902090072632},{"word":"i'm","start":867.85,"end":868.1,"confidence":0.33355713,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04150223731994629},{"word":"expecting","start":868.1,"end":868.6,"confidence":0.3618164,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.04148270934820175},{"word":"yeah","start":910.22,"end":910.62,"confidence":0.68896484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05683684721589088},{"word":"because","start":910.62,"end":910.86,"confidence":0.91748047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05167292058467865},{"word":"that's","start":910.86,"end":911.18,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.016667228192090988},{"word":"quite","start":911.18,"end":911.5,"confidence":0.4724121,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.03050921857357025},{"word":"good","start":911.5,"end":911.66,"confidence":0.49291992,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.013882745057344437},{"word":"yeah","start":911.66,"end":912.16,"confidence":0.73999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02260507084429264},{"word":"yeah","start":914.94,"end":915.25995,"confidence":0.93115234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.029125120490789413},{"word":"i","start":915.25995,"end":915.5,"confidence":0.6894531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02881333976984024},{"word":"should've","start":915.5,"end":915.74,"confidence":0.6352539,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":-0.039840590208768845},{"word":"told","start":915.74,"end":915.98,"confidence":0.4255371,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.029816213995218277},{"word":"that","start":915.98,"end":916.37994,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029865823686122894},{"word":"a","start":916.37994,"end":916.54,"confidence":0.39819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015180427581071854},{"word":"few","start":916.54,"end":916.77997,"confidence":0.96435547,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.025193993002176285},{"word":"longs","start":916.77997,"end":917.01996,"confidence":0.65112305,"punctuated_word":"longs","sentiment":"neutral","sentiment_score":-0.009153295308351517},{"word":"ago","start":917.01996,"end":917.51996,"confidence":0.9970703,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":0.03380798548460007},{"word":"yeah","start":930.355,"end":930.855,"confidence":0.8535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007846200838685036},{"word":"hey","start":930.995,"end":931.395,"confidence":0.8491211,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.008649427443742752},{"word":"can","start":931.395,"end":931.635,"confidence":0.9892578,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.020119525492191315},{"word":"i","start":931.635,"end":931.715,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01808183640241623},{"word":"just","start":931.715,"end":932.115,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01050751656293869},{"word":"hurry","start":932.115,"end":932.435,"confidence":0.56689453,"punctuated_word":"hurry","sentiment":"neutral","sentiment_score":0.010462764650583267},{"word":"up","start":932.435,"end":932.59503,"confidence":0.9921875,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.008177053183317184},{"word":"there","start":932.59503,"end":932.835,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.008683130145072937},{"word":"for","start":932.835,"end":932.995,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012551922351121902},{"word":"two","start":932.995,"end":933.155,"confidence":0.9223633,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.007420849055051804},{"word":"seconds","start":933.155,"end":933.555,"confidence":0.9831543,"punctuated_word":"seconds?","sentiment":"neutral","sentiment_score":0.007536770775914192},{"word":"can","start":933.555,"end":933.715,"confidence":0.99902344,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.015146346762776377},{"word":"i","start":933.715,"end":933.795,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005507051944732666},{"word":"just","start":933.795,"end":934.115,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0015025492757558825},{"word":"answer","start":934.115,"end":934.355,"confidence":0.9951172,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.0006457753479480743},{"word":"this","start":934.355,"end":934.675,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0053922683000564575},{"word":"call","start":934.675,"end":935.175,"confidence":0.9975586,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.004438039846718311},{"word":"it's","start":935.315,"end":935.555,"confidence":0.9946289,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.00438876636326313},{"word":"just","start":935.555,"end":936.03503,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.020158106461167336},{"word":"the","start":936.03503,"end":936.195,"confidence":0.57714844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0009021833539009094},{"word":"message","start":936.195,"end":936.695,"confidence":0.7651367,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.007053930312395096},{"word":"just","start":936.995,"end":937.235,"confidence":0.68847656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004265293478965759},{"word":"in","start":937.235,"end":937.395,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0038733333349227905},{"word":"case","start":937.395,"end":937.635,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.016227826476097107},{"word":"something's","start":937.635,"end":938.115,"confidence":0.96875,"punctuated_word":"something's","sentiment":"neutral","sentiment_score":-0.03705481067299843},{"word":"happened","start":938.115,"end":938.615,"confidence":0.9812012,"punctuated_word":"happened.","sentiment":"neutral","sentiment_score":0.01073167845606804},{"word":"i'll","start":939.1,"end":939.18,"confidence":0.60339355,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.015122770331799984},{"word":"give","start":939.18,"end":939.34,"confidence":0.91503906,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.02894972264766693},{"word":"you","start":939.34,"end":939.42,"confidence":0.89746094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015700384974479675},{"word":"i'll","start":939.82,"end":939.9,"confidence":0.9682617,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.021230380982160568},{"word":"bring","start":939.9,"end":940.14,"confidence":0.5488281,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.022053655236959457},{"word":"back","start":940.14,"end":940.46,"confidence":0.5888672,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.028345080092549324},{"word":"two","start":940.46,"end":940.7,"confidence":0.59277344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.023376766592264175},{"word":"seconds","start":940.7,"end":941.18,"confidence":0.92163086,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.03037608228623867},{"word":"no","start":941.18,"end":941.68,"confidence":0.76782227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09296240657567978},{"word":"oh","start":942.14,"end":942.22003,"confidence":0.7783203,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.09486763179302216},{"word":"hang","start":942.22003,"end":942.46,"confidence":0.5551758,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":-0.1129482164978981},{"word":"up","start":942.46,"end":942.62,"confidence":0.97265625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0645754337310791},{"word":"now","start":942.62,"end":943.12,"confidence":0.861084,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.038631655275821686},{"word":"it's","start":943.5,"end":943.74,"confidence":0.8095703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.037554558366537094},{"word":"just","start":943.74,"end":944.24,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.025090891867876053},{"word":"her","start":944.3,"end":944.46,"confidence":0.28295898,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.10043027997016908},{"word":"mother","start":944.46,"end":944.78,"confidence":0.98535156,"punctuated_word":"mother","sentiment":"neutral","sentiment_score":-0.07376248389482498},{"word":"got","start":944.78,"end":945.02,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08164778351783752},{"word":"airlifted","start":945.02,"end":945.52,"confidence":0.9920247,"punctuated_word":"airlifted","sentiment":"neutral","sentiment_score":-0.07116736471652985},{"word":"last","start":945.58,"end":945.82,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06234036386013031},{"word":"night","start":945.82,"end":945.98,"confidence":0.99902344,"punctuated_word":"night","sentiment":"neutral","sentiment_score":-0.08444692194461823},{"word":"to","start":945.98,"end":946.22003,"confidence":0.80810547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06324127316474915},{"word":"the","start":946.22003,"end":946.3,"confidence":0.61572266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03668397665023804},{"word":"toowoomba","start":946.3,"end":946.8,"confidence":0.97402346,"punctuated_word":"Toowoomba","sentiment":"neutral","sentiment_score":-0.030421994626522064},{"word":"hospital","start":946.86,"end":947.34,"confidence":0.53930664,"punctuated_word":"Hospital,","sentiment":"neutral","sentiment_score":-0.04046667739748955},{"word":"very","start":947.34,"end":947.66,"confidence":0.6923828,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.028293386101722717},{"word":"out","start":947.66,"end":947.82,"confidence":0.92089844,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03519875928759575},{"word":"west","start":947.82,"end":948.32,"confidence":0.7390137,"punctuated_word":"west.","sentiment":"neutral","sentiment_score":-0.05131971091032028},{"word":"and","start":948.7,"end":948.94,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04237784445285797},{"word":"so","start":948.94,"end":949.18,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06457127630710602},{"word":"she's","start":949.18,"end":949.58,"confidence":0.9916992,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.07379844039678574},{"word":"taken","start":949.58,"end":949.98,"confidence":0.90234375,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.06976443529129028},{"word":"off","start":949.98,"end":950.38,"confidence":0.8574219,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.13533693552017212},{"word":"early","start":950.38,"end":950.78,"confidence":0.9941406,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.10227254033088684},{"word":"the","start":950.78,"end":950.86,"confidence":0.47485352,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0908925086259842},{"word":"in","start":950.94,"end":951.18,"confidence":0.6015625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10558995604515076},{"word":"the","start":951.18,"end":951.34,"confidence":0.80126953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08903168141841888},{"word":"hours","start":951.34,"end":951.74,"confidence":0.97509766,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.10007906705141068},{"word":"of","start":951.74,"end":951.9,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08440282940864563},{"word":"this","start":951.9,"end":952.14,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06364995986223221},{"word":"morning","start":952.14,"end":952.54,"confidence":0.7088623,"punctuated_word":"morning,","sentiment":"neutral","sentiment_score":-0.08612532168626785},{"word":"they're","start":952.54,"end":952.7,"confidence":0.6921387,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.09582792222499847},{"word":"gonna","start":952.7,"end":952.94,"confidence":0.93603516,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08032989501953125},{"word":"be","start":952.94,"end":953.18,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.11390894651412964},{"word":"with","start":953.18,"end":953.42,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0772668719291687},{"word":"them","start":953.42,"end":953.92,"confidence":0.6687012,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.08545832335948944},{"word":"yeah","start":955.97504,"end":956.135,"confidence":0.9555664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021855659782886505},{"word":"yeah","start":956.135,"end":956.375,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.029168181121349335},{"word":"no","start":956.375,"end":956.615,"confidence":0.9284668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04000711441040039},{"word":"that's","start":956.615,"end":956.855,"confidence":0.9897461,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08372952789068222},{"word":"good","start":956.855,"end":957.355,"confidence":0.9797363,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03240562230348587},{"word":"in","start":960.055,"end":960.215,"confidence":0.8095703,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.045709218829870224},{"word":"just","start":960.215,"end":960.455,"confidence":0.7324219,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.042060572654008865},{"word":"like","start":960.455,"end":960.775,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.030030157417058945},{"word":"yeah","start":961.015,"end":961.335,"confidence":0.9667969,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03024831041693687},{"word":"in","start":961.335,"end":961.575,"confidence":0.9970703,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.03779437392950058},{"word":"five","start":961.575,"end":961.97504,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.03610335290431976},{"word":"minutes","start":961.97504,"end":962.47504,"confidence":0.82958984,"punctuated_word":"minutes?","sentiment":"neutral","sentiment_score":-0.03682401403784752},{"word":"she's","start":962.53503,"end":962.775,"confidence":0.9433594,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.04328906536102295},{"word":"just","start":962.775,"end":963.015,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04106508195400238},{"word":"trying","start":963.015,"end":963.335,"confidence":0.6939697,"punctuated_word":"trying,","sentiment":"neutral","sentiment_score":-0.07323047518730164},{"word":"like","start":963.335,"end":963.575,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0449407622218132},{"word":"four","start":963.575,"end":963.815,"confidence":0.94921875,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.09707821905612946},{"word":"times","start":963.815,"end":964.315,"confidence":0.5698242,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.053162023425102234},{"word":"and","start":964.375,"end":964.615,"confidence":0.59716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07633984088897705},{"word":"whether","start":964.615,"end":965.015,"confidence":0.8041992,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.08464038372039795},{"word":"something's","start":965.015,"end":965.41504,"confidence":0.9875488,"punctuated_word":"something's","sentiment":"neutral","sentiment_score":-0.09468867629766464},{"word":"happening","start":965.41504,"end":965.91504,"confidence":0.9921875,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":0.013660689815878868},{"word":"yeah","start":968.0869,"end":968.3269,"confidence":0.81347656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01505627203732729},{"word":"sorry","start":968.3269,"end":968.8269,"confidence":0.99316406,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.031845804303884506},{"word":"yeah","start":971.12695,"end":971.2069,"confidence":0.9436035,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3438015282154083},{"word":"wonderful","start":971.2069,"end":971.7069,"confidence":1.0,"punctuated_word":"Wonderful.","sentiment":"positive","sentiment_score":0.7949756383895874},{"word":"thank","start":971.7669,"end":972.0069,"confidence":0.9921875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8188086748123169},{"word":"you","start":972.0069,"end":972.5069,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5903640985488892},{"word":"okay","start":974.8869,"end":975.2069,"confidence":0.8598633,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08423939347267151},{"word":"bye","start":975.2069,"end":975.7069,"confidence":0.98657227,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11045875400304794}],"paragraphs":{"transcript":"\nHello? Oh, I see Mimi. No. Mimi. Maybe.\n\nSo yes. So I don't know what's going on there. Just call me out again. Okay. Okay.\n\nPerfect. Yeah. Yeah. That's understandable. Yeah.\n\nYep. Yeah. That's yeah. Perfect. Yeah.\n\nOh, I did. None. Oh, I don't. But I'm still I'm trying to form a company at the moment so I can pay myself a wage. So at the moment, I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway.\n\nAnd then I can pay myself super. Yeah. I should be doing it now, but yeah. Oh, no. Yeah.\n\nYeah. Yeah. Yep. Yep. Definitely.\n\nSend me that, please. Yep. Yeah. 100%. I'm here.\n\nYeah. Yep. Yeah. Yeah. It's probably more, I guess.\n\nBut yeah. Yep. Oh, no. No. I haven't done my track yet this year or other.\n\nSo I know. Yeah. I think the last I think the previous oh, not last year. Last year's might have been somewhere around the 200 possibly. And this year, yeah.\n\nHold on. I get it. Yep. Yes. Yeah.\n\nYeah. I am. Yes. And an average rate, maybe 65. I'm just not an apprentice.\n\nOnly an apprentice. Yeah. I'll oh, yeah. I will put another tradesman. Yeah.\n\nYep. Yeah. Okay. Yeah. Yeah.\n\nProbably 60, I guess. Yeah. Yeah. Yeah. Yeah.\n\nThank you. Okay. Okay. Good. Yeah.\n\nYeah. Okay. Thanks, guys. Yeah. Yeah.\n\nMay I say Yep. Yeah. Nice to get all of that. Yeah. She does.\n\nOh, she's she's a nurse. Yeah. Sorry. I'd hope so. Yeah.\n\nOh, okay. Yeah. Alright. Yeah. Well, six thirty six.\n\nYes. Possibly, we'll see how she goes. I I just yeah. I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me. But yeah.\n\nIt would be nice if we could both retire at the same time, I guess. If I could yeah. If I could. Yeah. Unless I win a lotto or something, but yeah.\n\nLooks yeah. Say the 60. No. I haven't. Yeah.\n\nNo. But I do have I do have three boys and, you know, I have one girl that's still in school, but they will have fun. Maybe one of them wants to give it a go. Yeah. Yeah.\n\nThat's right. Yes. Yep. Oh, I wanted to pay out my mortgage. I mean, missus doesn't have to worry about the mortgage and the kids.\n\nAnd don't know, really. Maybe just this kid's school fees. Like, it's probably next year, it's gonna be about 65,000 a year. And then after once a girl goes into her school, it's probably gonna be up near the 75. You know?\n\nSo as long as it can cover their school fees. Yeah. They are. I think it's, like, $4.85 or something. Oh, shit.\n\nNo. It probably would be, I guess. If I they'd probably downsize the house anyway if I you know? So I'd say that house is probably currently maybe worth 1.67. You know?\n\nIf we were to sell it tomorrow, depending on what Elbow does with their house prices. But the I probably would I'll be would be looking at, you know, so that I think it'd be right. The 5 100. Is it 500 for the life insurance? Yeah.\n\n3 5. What is it what is it what is it what is it change by check putting it up at that higher bracket? Is it just a higher fee? Yeah. Because I'm busy.\n\nI'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and but I think it'd be good to see before I get then I can compare with the other companies. Because I think I'm with me or Susan or Nei or I think I'm expecting Yeah. Because that's quite good. Yeah. Yeah.\n\nI should've told that a few longs ago. Yeah. Hey. Can I just hurry up there for two seconds? Can I just answer this call?\n\nIt's just the message just in case something's happened. I'll give you I'll bring back two seconds. No. Oh, hang up now. It's just her mother got airlifted last night to the Toowoomba Hospital, very out west.\n\nAnd so she's taken off early the in the hours of this morning, they're gonna be with them. Yeah. Yeah. No. That's good.\n\nIn just, like yeah. In five minutes? She's just trying, like, four times and whether something's happening. Yeah. Sorry.\n\nYeah. Wonderful. Thank you. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.56,"sentiment":"neutral","sentiment_score":0.003468364244326949},{"text":"Oh, I see Mimi.","start":0.56,"end":2.5,"sentiment":"neutral","sentiment_score":-0.008184884791262448},{"text":"No.","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":-0.047459013760089874},{"text":"Mimi.","start":3.9199998,"end":4.4,"sentiment":"neutral","sentiment_score":-0.01904415711760521},{"text":"Maybe.","start":4.4,"end":4.6,"sentiment":"neutral","sentiment_score":0.0007246816530823708}],"sentiment":"neutral","sentiment_score":-0.011881208018166944,"num_words":8,"start":0.39999998,"end":4.6},{"sentences":[{"text":"So yes.","start":4.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.010570753365755081},{"text":"So I don't know what's going on there.","start":6.56,"end":8.4,"sentiment":"neutral","sentiment_score":-0.04373810952529311},{"text":"Just call me out again.","start":8.4,"end":9.78,"sentiment":"neutral","sentiment_score":0.0009712126106023788},{"text":"Okay.","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.02380330860614777},{"text":"Okay.","start":15.335,"end":15.835,"sentiment":"neutral","sentiment_score":0.08725002408027649}],"sentiment":"neutral","sentiment_score":-0.012520821984199917,"num_words":17,"start":4.6,"end":15.835},{"sentences":[{"text":"Perfect.","start":18.775,"end":19.275,"sentiment":"positive","sentiment_score":0.6549855470657349},{"text":"Yeah.","start":22.215,"end":22.715,"sentiment":"neutral","sentiment_score":0.043226417154073715},{"text":"Yeah.","start":25.654999,"end":25.974998,"sentiment":"neutral","sentiment_score":0.005396563559770584},{"text":"That's understandable.","start":25.974998,"end":26.794998,"sentiment":"neutral","sentiment_score":-0.031114675104618073},{"text":"Yeah.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.04070195555686951}],"sentiment":"neutral","sentiment_score":0.11368018885453542,"num_words":6,"start":18.775,"end":30.71},{"sentences":[{"text":"Yep.","start":41.25,"end":41.57,"sentiment":"neutral","sentiment_score":0.019392644986510277},{"text":"Yeah.","start":41.57,"end":42.07,"sentiment":"neutral","sentiment_score":0.013981898315250874},{"text":"That's yeah.","start":45.785,"end":46.745,"sentiment":"neutral","sentiment_score":0.13440271466970444},{"text":"Perfect.","start":46.745,"end":47.245,"sentiment":"positive","sentiment_score":0.4992663562297821},{"text":"Yeah.","start":48.185,"end":48.685,"sentiment":"positive","sentiment_score":0.3729979693889618}],"sentiment":"neutral","sentiment_score":0.19574071637665233,"num_words":6,"start":41.25,"end":48.685},{"sentences":[{"text":"Oh, I did.","start":56.825,"end":57.465,"sentiment":"neutral","sentiment_score":-0.026491233458121616},{"text":"None.","start":57.465,"end":57.965,"sentiment":"neutral","sentiment_score":-0.05895962566137314},{"text":"Oh, I don't.","start":59.35,"end":60.23,"sentiment":"neutral","sentiment_score":-0.04752938946088155},{"text":"But I'm still I'm trying to form a company at the moment so I can pay myself a wage.","start":60.23,"end":65.43,"sentiment":"neutral","sentiment_score":-0.01711080909559601},{"text":"So at the moment, I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway.","start":65.43,"end":76.65501,"sentiment":"neutral","sentiment_score":-0.036166768072655904}],"sentiment":"neutral","sentiment_score":-0.029860935947102197,"num_words":53,"start":56.825,"end":76.65501},{"sentences":[{"text":"And then I can pay myself super.","start":76.955,"end":83.055,"sentiment":"neutral","sentiment_score":0.02860375866293907},{"text":"Yeah.","start":84.090004,"end":84.41,"sentiment":"neutral","sentiment_score":0.059092819690704346},{"text":"I should be doing it now, but yeah.","start":84.41,"end":86.91,"sentiment":"neutral","sentiment_score":0.11303745582699776},{"text":"Oh, no.","start":93.05,"end":93.79,"sentiment":"neutral","sentiment_score":-0.03136888146400452},{"text":"Yeah.","start":94.25,"end":94.75,"sentiment":"neutral","sentiment_score":-0.00003450363874435425}],"sentiment":"neutral","sentiment_score":0.05793929002002666,"num_words":19,"start":76.955,"end":94.75},{"sentences":[{"text":"Yeah.","start":96.17,"end":96.67,"sentiment":"neutral","sentiment_score":0.1367373764514923},{"text":"Yeah.","start":100.645,"end":101.145,"sentiment":"neutral","sentiment_score":0.04388757050037384},{"text":"Yep.","start":102.245,"end":102.725,"sentiment":"neutral","sentiment_score":0.02729279547929764},{"text":"Yep.","start":102.725,"end":103.225,"sentiment":"positive","sentiment_score":0.4210920035839081},{"text":"Definitely.","start":103.525,"end":104.025,"sentiment":"positive","sentiment_score":0.6159408092498779}],"sentiment":"neutral","sentiment_score":0.24899011105298996,"num_words":5,"start":96.17,"end":104.025},{"sentences":[{"text":"Send me that, please.","start":104.405,"end":105.465,"sentiment":"positive","sentiment_score":0.5838901549577713},{"text":"Yep.","start":116.48,"end":116.98,"sentiment":"neutral","sentiment_score":0.09569725394248962},{"text":"Yeah.","start":122.48,"end":122.88,"sentiment":"neutral","sentiment_score":0.1104898601770401},{"text":"100%.","start":122.88,"end":123.62,"sentiment":"neutral","sentiment_score":0.14674445986747742},{"text":"I'm here.","start":130.495,"end":131.055,"sentiment":"neutral","sentiment_score":0.14215326309204102}],"sentiment":"neutral","sentiment_score":0.3303109688891305,"num_words":9,"start":104.405,"end":131.055},{"sentences":[{"text":"Yeah.","start":131.055,"end":131.455,"sentiment":"neutral","sentiment_score":0.10431025922298431},{"text":"Yep.","start":131.455,"end":131.955,"sentiment":"neutral","sentiment_score":0.07514222711324692},{"text":"Yeah.","start":148.61,"end":149.11,"sentiment":"neutral","sentiment_score":0.019924916326999664},{"text":"Yeah.","start":149.41,"end":149.91,"sentiment":"neutral","sentiment_score":0.02057139202952385},{"text":"It's probably more, I guess.","start":150.20999,"end":152.23,"sentiment":"neutral","sentiment_score":0.016210680827498436}],"sentiment":"neutral","sentiment_score":0.033444688758916326,"num_words":9,"start":131.055,"end":152.23},{"sentences":[{"text":"But yeah.","start":153.315,"end":155.095,"sentiment":"neutral","sentiment_score":0.030985474586486816},{"text":"Yep.","start":155.79501,"end":156.29501,"sentiment":"neutral","sentiment_score":0.01706601306796074},{"text":"Oh, no.","start":157.79501,"end":158.43501,"sentiment":"neutral","sentiment_score":-0.040548667311668396},{"text":"No.","start":158.43501,"end":158.755,"sentiment":"neutral","sentiment_score":-0.09542733430862428},{"text":"I haven't done my track yet this year or other.","start":158.755,"end":160.91,"sentiment":"neutral","sentiment_score":-0.07844440713524818}],"sentiment":"neutral","sentiment_score":-0.05512073612771928,"num_words":16,"start":153.315,"end":160.91},{"sentences":[{"text":"So I know.","start":160.91,"end":161.815,"sentiment":"neutral","sentiment_score":-0.037809585531552635},{"text":"Yeah.","start":165.235,"end":165.735,"sentiment":"neutral","sentiment_score":-0.010471675544977188},{"text":"I think the last I think the previous oh, not last year.","start":166.79001,"end":170.71,"sentiment":"neutral","sentiment_score":-0.026098846302678187},{"text":"Last year's might have been somewhere around the 200 possibly.","start":170.71,"end":175.53,"sentiment":"neutral","sentiment_score":-0.02669803537428379},{"text":"And this year, yeah.","start":178.79001,"end":180.09001,"sentiment":"neutral","sentiment_score":0.0736452890560031}],"sentiment":"neutral","sentiment_score":-0.013649526176353295,"num_words":30,"start":160.91,"end":180.09001},{"sentences":[{"text":"Hold on.","start":181.03,"end":181.51001,"sentiment":"neutral","sentiment_score":0.0419195294380188},{"text":"I get it.","start":181.51001,"end":182.42001,"sentiment":"neutral","sentiment_score":0.0764288455247879},{"text":"Yep.","start":190.125,"end":190.625,"sentiment":"neutral","sentiment_score":0.03728760406374931},{"text":"Yes.","start":192.845,"end":193.345,"sentiment":"neutral","sentiment_score":0.0575590543448925},{"text":"Yeah.","start":217.475,"end":217.71501,"sentiment":"neutral","sentiment_score":0.10367583483457564}],"sentiment":"neutral","sentiment_score":0.06395601108670235,"num_words":8,"start":181.03,"end":217.71501},{"sentences":[{"text":"Yeah.","start":217.71501,"end":218.21501,"sentiment":"neutral","sentiment_score":0.14502674341201782},{"text":"I am.","start":223.315,"end":223.955,"sentiment":"neutral","sentiment_score":0.06714896857738495},{"text":"Yes.","start":223.955,"end":224.31,"sentiment":"neutral","sentiment_score":0.12668967247009277},{"text":"And an average rate, maybe 65.","start":233.59,"end":239.05,"sentiment":"neutral","sentiment_score":0.02646749032040437},{"text":"I'm just not an apprentice.","start":244.49501,"end":245.875,"sentiment":"neutral","sentiment_score":0.006616430357098579}],"sentiment":"neutral","sentiment_score":0.039860096449653305,"num_words":15,"start":217.71501,"end":245.875},{"sentences":[{"text":"Only an apprentice.","start":246.335,"end":247.395,"sentiment":"neutral","sentiment_score":-0.011196218430995941},{"text":"Yeah.","start":259.13,"end":259.53,"sentiment":"neutral","sentiment_score":0.019087329506874084},{"text":"I'll oh, yeah.","start":259.53,"end":260.41,"sentiment":"neutral","sentiment_score":0.03282687192161878},{"text":"I will put another tradesman.","start":260.41,"end":261.87,"sentiment":"neutral","sentiment_score":0.03121839798986912},{"text":"Yeah.","start":267.61002,"end":268.11002,"sentiment":"neutral","sentiment_score":0.31945106387138367}],"sentiment":"neutral","sentiment_score":0.04304018029226707,"num_words":13,"start":246.335,"end":268.11002},{"sentences":[{"text":"Yep.","start":286.89,"end":287.39,"sentiment":"neutral","sentiment_score":-0.012127967551350594},{"text":"Yeah.","start":303.045,"end":303.545,"sentiment":"neutral","sentiment_score":-0.02130115032196045},{"text":"Okay.","start":312.25,"end":312.75,"sentiment":"neutral","sentiment_score":0.018172672018408775},{"text":"Yeah.","start":312.89,"end":313.39,"sentiment":"neutral","sentiment_score":0.017798593267798424},{"text":"Yeah.","start":328.95502,"end":329.035,"sentiment":"neutral","sentiment_score":0.012058762833476068}],"sentiment":"neutral","sentiment_score":0.002920182049274445,"num_words":5,"start":286.89,"end":329.035},{"sentences":[{"text":"Probably 60, I guess.","start":329.035,"end":330.895,"sentiment":"neutral","sentiment_score":0.012869295198470354},{"text":"Yeah.","start":336.95502,"end":337.45502,"sentiment":"neutral","sentiment_score":0.01367386430501938},{"text":"Yeah.","start":337.595,"end":338.095,"sentiment":"neutral","sentiment_score":0.03987009823322296},{"text":"Yeah.","start":338.34,"end":338.84,"sentiment":"neutral","sentiment_score":0.06226106733083725},{"text":"Yeah.","start":339.78,"end":340.18,"sentiment":"neutral","sentiment_score":0.03752323240041733}],"sentiment":"neutral","sentiment_score":0.025600680382922292,"num_words":8,"start":329.035,"end":340.18},{"sentences":[{"text":"Thank you.","start":340.18,"end":341.0,"sentiment":"neutral","sentiment_score":0.028370197862386703},{"text":"Okay.","start":343.62,"end":344.12,"sentiment":"neutral","sentiment_score":0.19643612205982208},{"text":"Okay.","start":344.98,"end":345.46,"sentiment":"positive","sentiment_score":0.3718428313732147},{"text":"Good.","start":345.46,"end":345.96,"sentiment":"positive","sentiment_score":0.5962674617767334},{"text":"Yeah.","start":350.1,"end":350.6,"sentiment":"neutral","sentiment_score":0.2354820966720581}],"sentiment":"neutral","sentiment_score":0.2427948179344336,"num_words":6,"start":340.18,"end":350.6},{"sentences":[{"text":"Yeah.","start":351.06,"end":351.56,"sentiment":"neutral","sentiment_score":0.27559638023376465},{"text":"Okay.","start":351.7,"end":352.1,"sentiment":"positive","sentiment_score":0.4078988432884216},{"text":"Thanks, guys.","start":352.1,"end":352.84,"sentiment":"positive","sentiment_score":0.6117935478687286},{"text":"Yeah.","start":384.955,"end":385.455,"sentiment":"neutral","sentiment_score":0.08766716718673706},{"text":"Yeah.","start":388.155,"end":388.655,"sentiment":"neutral","sentiment_score":0.09715993702411652}],"sentiment":"positive","sentiment_score":0.34865157057841617,"num_words":6,"start":351.06,"end":388.655},{"sentences":[{"text":"May I say Yep.","start":391.435,"end":392.735,"sentiment":"neutral","sentiment_score":0.08525611460208893},{"text":"Yeah.","start":405.98,"end":406.46002,"sentiment":"neutral","sentiment_score":0.3211258351802826},{"text":"Nice to get all of that.","start":406.46002,"end":408.08002,"sentiment":"positive","sentiment_score":0.649777352809906},{"text":"Yeah.","start":427.33002,"end":427.65002,"sentiment":"neutral","sentiment_score":0.0836741104722023},{"text":"She does.","start":427.65002,"end":428.55002,"sentiment":"neutral","sentiment_score":0.08288371562957764}],"sentiment":"positive","sentiment_score":0.34358971086995943,"num_words":14,"start":391.435,"end":428.55002},{"sentences":[{"text":"Oh, she's she's a nurse.","start":428.61002,"end":431.59003,"sentiment":"neutral","sentiment_score":0.04794002324342728},{"text":"Yeah.","start":433.65002,"end":434.15002,"sentiment":"neutral","sentiment_score":0.08265261352062225},{"text":"Sorry.","start":434.61002,"end":435.11002,"sentiment":"neutral","sentiment_score":-0.0022131428122520447},{"text":"I'd hope so.","start":437.97,"end":438.85,"sentiment":"neutral","sentiment_score":0.060751485327879585},{"text":"Yeah.","start":438.85,"end":439.35,"sentiment":"neutral","sentiment_score":0.003302222117781639}],"sentiment":"neutral","sentiment_score":0.045972387729720635,"num_words":11,"start":428.61002,"end":439.35},{"sentences":[{"text":"Oh, okay.","start":470.92502,"end":471.58502,"sentiment":"neutral","sentiment_score":-0.17548095434904099},{"text":"Yeah.","start":473.245,"end":473.745,"sentiment":"neutral","sentiment_score":0.003618425689637661},{"text":"Alright.","start":490.5,"end":490.98,"sentiment":"neutral","sentiment_score":0.008849987760186195},{"text":"Yeah.","start":490.98,"end":491.14,"sentiment":"neutral","sentiment_score":0.005817347206175327},{"text":"Well, six thirty six.","start":491.14,"end":495.64,"sentiment":"neutral","sentiment_score":0.01130457571707666}],"sentiment":"neutral","sentiment_score":-0.031939760574864015,"num_words":9,"start":470.92502,"end":495.64},{"sentences":[{"text":"Yes.","start":509.85498,"end":510.35498,"sentiment":"neutral","sentiment_score":0.0505448654294014},{"text":"Possibly, we'll see how she goes.","start":514.82,"end":516.5,"sentiment":"neutral","sentiment_score":-0.005850213424613078},{"text":"I I just yeah.","start":516.5,"end":518.68005,"sentiment":"neutral","sentiment_score":-0.08836867474019527},{"text":"I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me.","start":519.54004,"end":525.96,"sentiment":"neutral","sentiment_score":-0.19332002960145472},{"text":"But yeah.","start":526.385,"end":530.405,"sentiment":"neutral","sentiment_score":0.032488226890563965}],"sentiment":"neutral","sentiment_score":-0.12543803794930378,"num_words":33,"start":509.85498,"end":530.405},{"sentences":[{"text":"It would be nice if we could both retire at the same time, I guess.","start":531.905,"end":535.285,"sentiment":"neutral","sentiment_score":0.13434972191850345},{"text":"If I could yeah.","start":547.25,"end":549.17,"sentiment":"neutral","sentiment_score":0.0811115289106965},{"text":"If I could.","start":549.17,"end":550.14996,"sentiment":"neutral","sentiment_score":0.07191838199893634},{"text":"Yeah.","start":552.285,"end":552.685,"sentiment":"neutral","sentiment_score":0.03976770490407944},{"text":"Unless I win a lotto or something, but yeah.","start":552.685,"end":555.505,"sentiment":"neutral","sentiment_score":-0.023267738935020234}],"sentiment":"neutral","sentiment_score":0.07455641077831388,"num_words":32,"start":531.905,"end":555.505},{"sentences":[{"text":"Looks yeah.","start":557.165,"end":557.885,"sentiment":"neutral","sentiment_score":0.05748316831886768},{"text":"Say the 60.","start":557.885,"end":558.785,"sentiment":"neutral","sentiment_score":0.0555357870956262},{"text":"No.","start":594.47504,"end":594.875,"sentiment":"neutral","sentiment_score":-0.14327551424503326},{"text":"I haven't.","start":594.875,"end":595.53503,"sentiment":"neutral","sentiment_score":-0.17499493807554245},{"text":"Yeah.","start":598.47003,"end":598.87,"sentiment":"neutral","sentiment_score":-0.008349256590008736}],"sentiment":"neutral","sentiment_score":-0.024448994340168104,"num_words":9,"start":557.165,"end":598.87},{"sentences":[{"text":"No.","start":598.87,"end":599.37,"sentiment":"neutral","sentiment_score":-0.04981854557991028},{"text":"But I do have I do have three boys and, you know, I have one girl that's still in school, but they will have fun.","start":599.59,"end":609.045,"sentiment":"neutral","sentiment_score":0.08270655460655689},{"text":"Maybe one of them wants to give it a go.","start":609.045,"end":613.305,"sentiment":"neutral","sentiment_score":0.2247958943247795},{"text":"Yeah.","start":619.52496,"end":620.02496,"sentiment":"neutral","sentiment_score":0.19721350073814392},{"text":"Yeah.","start":621.285,"end":621.52496,"sentiment":"neutral","sentiment_score":0.1481984555721283}],"sentiment":"neutral","sentiment_score":0.12134779524058104,"num_words":38,"start":598.87,"end":621.52496},{"sentences":[{"text":"That's right.","start":621.52496,"end":622.50494,"sentiment":"neutral","sentiment_score":0.19253817200660706},{"text":"Yes.","start":632.63,"end":633.13,"sentiment":"neutral","sentiment_score":0.30283021926879883},{"text":"Yep.","start":644.175,"end":644.675,"sentiment":"neutral","sentiment_score":0.034258827567100525},{"text":"Oh, I wanted to pay out my mortgage.","start":684.55,"end":686.47003,"sentiment":"neutral","sentiment_score":0.03643854521214962},{"text":"I mean, missus doesn't have to worry about the mortgage and the kids.","start":686.47003,"end":690.17004,"sentiment":"neutral","sentiment_score":0.07468975679232524}],"sentiment":"neutral","sentiment_score":0.07938562363386154,"num_words":25,"start":621.52496,"end":690.17004},{"sentences":[{"text":"And don't know, really.","start":690.71,"end":696.15,"sentiment":"neutral","sentiment_score":0.015020182356238365},{"text":"Maybe just this kid's school fees.","start":696.15,"end":698.07,"sentiment":"neutral","sentiment_score":-0.0018936562119051814},{"text":"Like, it's probably next year, it's gonna be about 65,000 a year.","start":698.07,"end":704.385,"sentiment":"neutral","sentiment_score":0.0139275254526486},{"text":"And then after once a girl goes into her school, it's probably gonna be up near the 75.","start":704.385,"end":710.16504,"sentiment":"neutral","sentiment_score":0.004748230567201972},{"text":"You know?","start":711.185,"end":711.66504,"sentiment":"neutral","sentiment_score":0.0034525785595178604}],"sentiment":"neutral","sentiment_score":0.007338628688428018,"num_words":42,"start":690.71,"end":711.66504},{"sentences":[{"text":"So as long as it can cover their school fees.","start":711.66504,"end":714.085,"sentiment":"neutral","sentiment_score":0.005209287814795971},{"text":"Yeah.","start":717.46,"end":717.86,"sentiment":"neutral","sentiment_score":-0.0027604885399341583},{"text":"They are.","start":717.86,"end":718.6,"sentiment":"neutral","sentiment_score":-0.007155979983508587},{"text":"I think it's, like, $4.85 or something.","start":726.02,"end":728.76,"sentiment":"neutral","sentiment_score":-0.020728320814669132},{"text":"Oh, shit.","start":766.765,"end":768.16003,"sentiment":"negative","sentiment_score":-0.5336962342262268}],"sentiment":"neutral","sentiment_score":-0.05352137656882405,"num_words":22,"start":711.66504,"end":768.16003},{"sentences":[{"text":"No.","start":769.9,"end":770.38,"sentiment":"negative","sentiment_score":-0.4265214800834656},{"text":"It probably would be, I guess.","start":770.38,"end":772.4,"sentiment":"negative","sentiment_score":-0.36554161210854846},{"text":"If I they'd probably downsize the house anyway if I you know?","start":772.54004,"end":778.54004,"sentiment":"neutral","sentiment_score":-0.24737781224151453},{"text":"So I'd say that house is probably currently maybe worth 1.67.","start":778.54004,"end":786.33496,"sentiment":"neutral","sentiment_score":-0.060819116505709564},{"text":"You know?","start":786.555,"end":787.21497,"sentiment":"neutral","sentiment_score":-0.041575461626052856}],"sentiment":"neutral","sentiment_score":-0.19813956576399505,"num_words":32,"start":769.9,"end":787.21497},{"sentences":[{"text":"If we were to sell it tomorrow, depending on what Elbow does with their house prices.","start":788.475,"end":793.935,"sentiment":"neutral","sentiment_score":-0.07594393519684672},{"text":"But the I probably would I'll be would be looking at, you know, so that I think it'd be right.","start":793.995,"end":800.39,"sentiment":"neutral","sentiment_score":-0.036848100973293184},{"text":"The 5 100.","start":800.85004,"end":801.65,"sentiment":"neutral","sentiment_score":0.048080820590257645},{"text":"Is it 500 for the life insurance?","start":801.65,"end":803.75,"sentiment":"neutral","sentiment_score":0.04225787999374526},{"text":"Yeah.","start":807.17004,"end":807.67004,"sentiment":"neutral","sentiment_score":0.04560883343219757}],"sentiment":"neutral","sentiment_score":-0.031200181435238807,"num_words":47,"start":788.475,"end":807.67004},{"sentences":[{"text":"3 5.","start":811.60504,"end":817.205,"sentiment":"neutral","sentiment_score":0.07939327880740166},{"text":"What is it what is it what is it what is it change by check putting it up at that higher bracket?","start":817.205,"end":823.365,"sentiment":"neutral","sentiment_score":-0.04387149925936352},{"text":"Is it just a higher fee?","start":823.365,"end":824.905,"sentiment":"neutral","sentiment_score":-0.09305188804864883},{"text":"Yeah.","start":837.48,"end":837.98,"sentiment":"neutral","sentiment_score":-0.030727919191122055},{"text":"Because I'm busy.","start":838.12,"end":839.24,"sentiment":"neutral","sentiment_score":-0.19310198724269867}],"sentiment":"neutral","sentiment_score":-0.058080342214773685,"num_words":34,"start":811.60504,"end":839.24},{"sentences":[{"text":"I'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and but I think it'd be good to see before I get then I can compare with the other companies.","start":839.24,"end":855.69,"sentiment":"neutral","sentiment_score":-0.14876549557915755},{"text":"Because I think I'm with me or Susan or Nei or I think I'm expecting Yeah.","start":855.69,"end":910.62,"sentiment":"neutral","sentiment_score":-0.015484783274587244},{"text":"Because that's quite good.","start":910.62,"end":911.66,"sentiment":"neutral","sentiment_score":0.012928418815135956},{"text":"Yeah.","start":911.66,"end":912.16,"sentiment":"neutral","sentiment_score":-0.02260507084429264},{"text":"Yeah.","start":914.94,"end":915.25995,"sentiment":"neutral","sentiment_score":-0.029125120490789413}],"sentiment":"neutral","sentiment_score":-0.10149881035613362,"num_words":64,"start":839.24,"end":915.25995},{"sentences":[{"text":"I should've told that a few longs ago.","start":915.25995,"end":917.51996,"sentiment":"neutral","sentiment_score":-0.01800696225836873},{"text":"Yeah.","start":930.355,"end":930.855,"sentiment":"neutral","sentiment_score":0.007846200838685036},{"text":"Hey.","start":930.995,"end":931.395,"sentiment":"neutral","sentiment_score":0.008649427443742752},{"text":"Can I just hurry up there for two seconds?","start":931.395,"end":933.555,"sentiment":"neutral","sentiment_score":0.011504596513178613},{"text":"Can I just answer this call?","start":933.555,"end":935.175,"sentiment":"neutral","sentiment_score":0.003140399387727181}],"sentiment":"neutral","sentiment_score":-0.00020705219358205788,"num_words":25,"start":915.25995,"end":935.175},{"sentences":[{"text":"It's just the message just in case something's happened.","start":935.315,"end":938.615,"sentiment":"neutral","sentiment_score":-0.0011599924829271103},{"text":"I'll give you I'll bring back two seconds.","start":939.1,"end":941.18,"sentiment":"neutral","sentiment_score":-0.01212623214814812},{"text":"No.","start":941.18,"end":941.68,"sentiment":"neutral","sentiment_score":-0.09296240657567978},{"text":"Oh, hang up now.","start":942.14,"end":943.12,"sentiment":"neutral","sentiment_score":-0.07775573432445526},{"text":"It's just her mother got airlifted last night to the Toowoomba Hospital, very out west.","start":943.5,"end":948.32,"sentiment":"neutral","sentiment_score":-0.05480442841847737}],"sentiment":"neutral","sentiment_score":-0.036040582694113255,"num_words":37,"start":935.315,"end":948.32},{"sentences":[{"text":"And so she's taken off early the in the hours of this morning, they're gonna be with them.","start":948.7,"end":953.92,"sentiment":"neutral","sentiment_score":-0.08670470863580704},{"text":"Yeah.","start":955.97504,"end":956.135,"sentiment":"neutral","sentiment_score":-0.021855659782886505},{"text":"Yeah.","start":956.135,"end":956.375,"sentiment":"neutral","sentiment_score":-0.029168181121349335},{"text":"No.","start":956.375,"end":956.615,"sentiment":"neutral","sentiment_score":-0.04000711441040039},{"text":"That's good.","start":956.615,"end":957.355,"sentiment":"neutral","sentiment_score":0.058067575097084045}],"sentiment":"neutral","sentiment_score":-0.06676437219847804,"num_words":23,"start":948.7,"end":957.355},{"sentences":[{"text":"In just, like yeah.","start":960.055,"end":961.335,"sentiment":"neutral","sentiment_score":-0.03701206482946873},{"text":"In five minutes?","start":961.335,"end":962.47504,"sentiment":"neutral","sentiment_score":-0.03690724695722262},{"text":"She's just trying, like, four times and whether something's happening.","start":962.53503,"end":965.91504,"sentiment":"neutral","sentiment_score":-0.059477383829653264},{"text":"Yeah.","start":968.0869,"end":968.3269,"sentiment":"neutral","sentiment_score":-0.01505627203732729},{"text":"Sorry.","start":968.3269,"end":968.8269,"sentiment":"neutral","sentiment_score":-0.031845804303884506}],"sentiment":"neutral","sentiment_score":-0.047391890254067745,"num_words":19,"start":960.055,"end":968.8269},{"sentences":[{"text":"Yeah.","start":971.12695,"end":971.2069,"sentiment":"positive","sentiment_score":0.3438015282154083},{"text":"Wonderful.","start":971.2069,"end":971.7069,"sentiment":"positive","sentiment_score":0.7949756383895874},{"text":"Thank you.","start":971.7669,"end":972.5069,"sentiment":"positive","sentiment_score":0.704586386680603},{"text":"Okay.","start":974.8869,"end":975.2069,"sentiment":"neutral","sentiment_score":0.08423939347267151},{"text":"Bye.","start":975.2069,"end":975.7069,"sentiment":"neutral","sentiment_score":-0.11045875400304794}],"sentiment":"positive","sentiment_score":0.4202884299059709,"num_words":6,"start":971.12695,"end":975.7069}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Oh, I see Mimi. No. Mimi.\n\nChannel 0: Hi,\n\nChannel 1: Maybe. So\n\nChannel 0: Ethan.\n\nChannel 1: yes.\n\nChannel 0: This is Dana again.\n\nChannel 1: So\n\nChannel 0: I'm\n\nChannel 1: I\n\nChannel 0: so\n\nChannel 1: don't know\n\nChannel 0: sorry.\n\nChannel 1: what's going on there. Just call\n\nChannel 0: You're\n\nChannel 1: me out again.\n\nChannel 0: that's absolutely fine. If it does cut out, I'll keep calling\n\nChannel 1: Okay.\n\nChannel 0: you back, so don't worry. No issues\n\nChannel 1: Okay.\n\nChannel 0: at all. Easy. All done. All\n\nChannel 1: Perfect.\n\nChannel 0: done. Easy. So, look, honestly, it it is an important that I'm\n\nChannel 1: Yeah.\n\nChannel 0: honest and open with you, and the markets haven't been great this year. We have also\n\nChannel 1: Yeah.\n\nChannel 0: had\n\nChannel 1: That's\n\nChannel 0: the underperforming\n\nChannel 1: understandable.\n\nChannel 0: investment, but it is good that we're seeing a better recovery there.\n\nChannel 1: Yeah.\n\nChannel 0: So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change,\n\nChannel 1: Yep.\n\nChannel 0: and then\n\nChannel 1: Yeah.\n\nChannel 0: maybe look at whether we've gotta make any further changes. Does that sound okay with you?\n\nChannel 1: That's yeah. Perfect.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Excellent. The other thing to sort of look at is I've had a bit of a look at the contribution side of things. You don't have any\n\nChannel 1: Oh,\n\nChannel 0: contributions\n\nChannel 1: I did. None.\n\nChannel 0: going in at the moment.\n\nChannel 1: Oh, I don't. But I'm still I'm trying to form a company at the moment so\n\nChannel 0: Okay.\n\nChannel 1: I can pay myself a wage. So at the moment,\n\nChannel 0: Yep.\n\nChannel 1: I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: then I can pay myself super.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I should\n\nChannel 0: Perfect.\n\nChannel 1: be doing it now, but yeah.\n\nChannel 0: That's okay. Honestly, we don't judge, and life gets very busy, especially having children.\n\nChannel 1: Oh, no. Yeah.\n\nChannel 0: Alright. All\n\nChannel 1: Yeah.\n\nChannel 0: good. Is that something you're sort of hoping to maybe do over the next six months? Do you feel\n\nChannel 1: Yeah.\n\nChannel 0: like you should be yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Definitely.\n\nChannel 0: Excellent.\n\nChannel 1: Send me that, please.\n\nChannel 0: I'll make perfect. I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of\n\nChannel 1: Yep.\n\nChannel 0: contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay?\n\nChannel 1: Yeah. 100%.\n\nChannel 0: Yeah. Beautiful. So it sounds like with your growing, business is going quite well at the moment.\n\nChannel 1: I'm here. Yeah. Yep.\n\nChannel 0: Yep. That's okay. Last estimated income we had you on was about 186,000. Do you feel like that's fairly accurate for what you should be earning this year as well? Or\n\nChannel 1: Yeah. Yeah. It's probably more, I guess.\n\nChannel 0: yep. Yep.\n\nChannel 1: But\n\nChannel 0: That's okay.\n\nChannel 1: yeah. Yep.\n\nChannel 0: No. That's okay.\n\nChannel 1: Oh,\n\nChannel 0: We can\n\nChannel 1: no.\n\nChannel 0: keep\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: as\n\nChannel 1: haven't\n\nChannel 0: it is.\n\nChannel 1: done my track yet this year or other. So I know.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I\n\nChannel 0: That's\n\nChannel 1: think the last\n\nChannel 0: alright.\n\nChannel 1: I think the previous oh, not last year. Last year's might\n\nChannel 0: Mhmm.\n\nChannel 1: have been somewhere around the 200 possibly.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: And this year, yeah. Hold on. I get it.\n\nChannel 0: That's alright. If you like, what we can do is I can sorta catch up with you in February. We'll do a bit of catch up, reassess everything. And then because,\n\nChannel 1: Yep.\n\nChannel 0: hopefully, you may have done your tax by then, we can\n\nChannel 1: Yes.\n\nChannel 0: have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself. So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Fantastic. Excellent. And you're a builder by trade. Is that right?\n\nChannel 1: I am. Yes.\n\nChannel 0: Yeah. Beautiful. Excellent. And work is picking up nicely. What kinda hours do you work on a regular average week, do you think?\n\nChannel 1: And an average rate,\n\nChannel 0: Yeah.\n\nChannel 1: maybe 65.\n\nChannel 0: Yeah. Wow. And is it just you, or do you have others working with you, apprentices and people that you\n\nChannel 1: I'm\n\nChannel 0: maybe\n\nChannel 1: just\n\nChannel 0: contract\n\nChannel 1: not an\n\nChannel 0: out?\n\nChannel 1: apprentice. Only an apprentice.\n\nChannel 0: Only an apprentice. Yeah. Perfect. And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or?\n\nChannel 1: Yeah. I'll oh, yeah. I will put another tradesman.\n\nChannel 0: Yeah. Perfect. Beautiful. Excellent. Good to\n\nChannel 1: Yeah.\n\nChannel 0: see. Excellent. The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report. So it does show, obviously, that we've gone through that. Your performance for this year is sort of sitting at a negative 1.65%.\n\nThat's for the last twelve months. But when I\n\nChannel 1: Yep.\n\nChannel 0: kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%. So I just wanna keep reviewing that, making sure that it is recovering back. And if we don't see\n\nChannel 1: Yeah.\n\nChannel 0: any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young. Are you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track?\n\nChannel 1: Yeah. Probably 60, I guess.\n\nChannel 0: Yep. Yep. That's okay. And have you looked now you've just turned 44 there as well,\n\nChannel 1: Yeah.\n\nChannel 0: haven't you?\n\nChannel 1: Yeah.\n\nChannel 0: Happy\n\nChannel 1: Yeah.\n\nChannel 0: birthday.\n\nChannel 1: Yeah.\n\nChannel 0: Don't\n\nChannel 1: Thank\n\nChannel 0: worry.\n\nChannel 1: you.\n\nChannel 0: That's right. I'm 41, so don't feel too bad.\n\nChannel 1: Okay.\n\nChannel 0: I promise.\n\nChannel 1: Okay. Good.\n\nChannel 0: They they say our forties are the are the best time of our life, so I'm taking that\n\nChannel 1: Yeah.\n\nChannel 0: on board.\n\nChannel 1: Yeah. Okay. Thanks, guys.\n\nChannel 0: Yeah. So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there. So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39. So you are fairly on average for where most people of your age and stage are, which is good. It does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average.\n\nI\n\nChannel 1: Yeah.\n\nChannel 0: would definitely like to see it working a bit harder and building more,\n\nChannel 1: Yeah.\n\nChannel 0: but we'll keep working on that down the track for you. Okay?\n\nChannel 1: May I say Yep.\n\nChannel 0: Yeah. They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super. So we'll try to sort of keep building on that as much as we possibly can.\n\nChannel 1: Yeah. Nice to get all of that.\n\nChannel 0: Absolutely. Absolutely. I'll make it my goal. I want you to enjoy your retirement years. So when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married.\n\nDoes your wife work as well? Does she have super as well?\n\nChannel 1: Yeah. She does. Oh, she's\n\nChannel 0: Yep.\n\nChannel 1: she's a nurse.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So she'd have a fairly\n\nChannel 1: Sorry.\n\nChannel 0: good super balance there as well.\n\nChannel 1: I'd hope so. Yeah.\n\nChannel 0: No. That's okay. The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser. Down the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par? What you need to live on when you get to those areas?\n\nRealistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than\n\nChannel 1: Oh,\n\nChannel 0: depleting\n\nChannel 1: okay.\n\nChannel 0: one or the other. The\n\nChannel 1: Yeah.\n\nChannel 0: other thing I tend to look at is how old each of you are as well. So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or\n\nChannel 1: Alright.\n\nChannel 0: whether you\n\nChannel 1: Yeah.\n\nChannel 0: hold\n\nChannel 1: Well,\n\nChannel 0: off. So Yeah.\n\nChannel 1: six thirty six.\n\nChannel 0: Spring chicken. Do you think she's gonna wanna kinda retire at the same time as you or earlier? Do you think she'll probably work?\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Possibly, we'll see how she goes. I I just yeah. I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me. But\n\nChannel 0: Oh, absolutely. Abs\n\nChannel 1: yeah. It would be nice if we could both retire at the same time, I guess.\n\nChannel 0: mhmm. Yep. Yep. Absolutely. Perfect.\n\nAnd are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy\n\nChannel 1: If\n\nChannel 0: in\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: could\n\nChannel 0: job? Yeah?\n\nChannel 1: yeah. If I could. Yeah. Unless I win a lotto or something, but yeah. Looks yeah.\n\nSay the 60.\n\nChannel 0: Yep. Perfect. Beautiful. I'll just sorta note that down there for you. Fantastic.\n\nSorry. And just sorry. The other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build? Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income? Do you have any idea of how have you thought about\n\nChannel 1: No. I haven't.\n\nChannel 0: Sorry. I'm gonna ask all the questions you've never\n\nChannel 1: Yeah.\n\nChannel 0: thought about\n\nChannel 1: No.\n\nChannel 0: answering.\n\nChannel 1: But I do have I do have three boys and, you know, I have one girl that's still in school, but\n\nChannel 0: Yep.\n\nChannel 1: they\n\nChannel 0: Yep.\n\nChannel 1: will have fun. Maybe one of them wants to give it a go.\n\nChannel 0: Yeah. Beautiful. So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the\n\nChannel 1: Yeah.\n\nChannel 0: business in the family. Yep.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. Beautiful. Well, hopefully, one of them wants to take on that. That would be fantastic to see everything you've built and worked so hard for continues for them.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Excellent. Lovely. The next document you'll see in there oh, sorry. The one before we were looking at with your super balance, it also has your insurances attached there.\n\nSo now with\n\nChannel 1: Yep.\n\nChannel 0: your insurance cover, you've got your life and your total permanent disability cover. So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745. If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000. In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover?\n\nChannel 1: Oh, I wanted to pay out my mortgage. I mean, missus\n\nChannel 0: Yep.\n\nChannel 1: doesn't have to worry about the mortgage and the kids.\n\nChannel 0: Yep.\n\nChannel 1: And don't know, really. Maybe just this kid's school fees. Like, it's probably next year, it's gonna be about 65,000 a year. And then after once a girl goes into her school, it's probably gonna be up near the 75.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: You know? So as long as it\n\nChannel 0: Yeah.\n\nChannel 1: can cover their school fees.\n\nChannel 0: Yep. Are they in private school? Are they? Or\n\nChannel 1: Yeah. They are.\n\nChannel 0: yeah. Yep. And with the mortgage, I had you owing about 500,000 on that. What do you owe on the mortgage currently?\n\nChannel 1: I think it's, like, $4.85 or something.\n\nChannel 0: Okay. So if we base it on 485,000. So as an example, if you were to pass away today, that $740,007.04 7 is paid out. It covers 485,000 of the mortgage. It leaves around about $255,007.47.\n\nThat could be paid less for your family there. Do you think that would be enough for them to sort of survive on for a bit longer? Would you wanna kinda review the life amount you have to boost the benefit? How do you feel about that?\n\nChannel 1: Oh, shit.\n\nChannel 0: Sorry.\n\nChannel 1: No. It probably would be, I guess. If I they'd probably downsize the house anyway if I\n\nChannel 0: Yep.\n\nChannel 1: you know? So I'd\n\nChannel 0: Yep.\n\nChannel 1: say that house is probably currently maybe worth 1.67. You know?\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: If we were to sell it tomorrow, depending on what Elbow does with their house prices. But the I probably would I'll be would be looking at, you know, so that I think it'd be right. The\n\nChannel 0: Yep.\n\nChannel 1: 5\n\nChannel 0: That's\n\nChannel 1: 100.\n\nChannel 0: it.\n\nChannel 1: Is it 500\n\nChannel 0: Yeah.\n\nChannel 1: for the life insurance?\n\nChannel 0: Yeah. Yeah. 5\n\nChannel 1: Yeah.\n\nChannel 0: 193 and then an extra 147, which is your super balance\n\nChannel 1: 3\n\nChannel 0: paid out as well. Yeah. Yeah. That's okay. If you if you want, you\n\nChannel 1: 5.\n\nChannel 0: can\n\nChannel 1: What\n\nChannel 0: always\n\nChannel 1: is it\n\nChannel 0: sit\n\nChannel 1: what is\n\nChannel 0: on\n\nChannel 1: it\n\nChannel 0: that for the\n\nChannel 1: what\n\nChannel 0: moi.\n\nChannel 1: is it\n\nChannel 0: Sorry.\n\nChannel 1: what is it change by check putting it up at that higher bracket? Is it just a higher fee?\n\nChannel 0: It does increase the cost of it. I can jump into the insurer and have a quick look for you. If you want, we can sort of assess and look at what the cost difference might be. Two\n\nChannel 1: Yeah.\n\nChannel 0: seconds.\n\nChannel 1: Because I'm busy. I'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and\n\nChannel 0: Yeah.\n\nChannel 1: but I think it'd be good to see before I get then I can compare with the other companies. Because I think I'm with me or Susan or Nei or\n\nChannel 0: Yeah. Neos is the insurer. Absolutely. Yeah.\n\nChannel 1: I\n\nChannel 0: I'm just logging in. Won't be one second. So sorry.\n\nChannel 1: think I'm expecting\n\nChannel 0: Yeah. That's correct. Yeah. Pardon me. And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3¢.\n\nSo, realistically, for your agent stage and the level of cover you have, that is quite expensive. I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for\n\nChannel 1: Yeah.\n\nChannel 0: you to\n\nChannel 1: Because\n\nChannel 0: maybe\n\nChannel 1: that's\n\nChannel 0: give\n\nChannel 1: quite\n\nChannel 0: you more\n\nChannel 1: good. Yeah.\n\nChannel 0: cover. Absolutely. I mean, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: should've\n\nChannel 0: sort of\n\nChannel 1: told\n\nChannel 0: in your\n\nChannel 1: that\n\nChannel 0: fifties\n\nChannel 1: a few longs ago.\n\nChannel 0: yeah. That's okay. So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher. But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so.\n\nChannel 1: Yeah. Hey.\n\nChannel 0: I'm\n\nChannel 1: Can I\n\nChannel 0: just\n\nChannel 1: just hurry up there for two seconds? Can\n\nChannel 0: yeah.\n\nChannel 1: I just\n\nChannel 0: Of\n\nChannel 1: answer\n\nChannel 0: course.\n\nChannel 1: this call? It's just\n\nChannel 0: Yeah.\n\nChannel 1: the message just in case something's happened.\n\nChannel 0: That's\n\nChannel 1: I'll give\n\nChannel 0: okay.\n\nChannel 1: you\n\nChannel 0: Did you want\n\nChannel 1: I'll bring back two seconds.\n\nChannel 0: me\n\nChannel 1: No.\n\nChannel 0: yeah.\n\nChannel 1: Oh, hang up now.\n\nChannel 0: You\n\nChannel 1: It's\n\nChannel 0: oh,\n\nChannel 1: just\n\nChannel 0: yeah.\n\nChannel 1: her mother got airlifted last night to the Toowoomba Hospital, very out west. And so she's taken off early the in the hours of this morning, they're gonna be with them.\n\nChannel 0: I'm so sorry. Did you wanna\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: hang\n\nChannel 1: No.\n\nChannel 0: up\n\nChannel 1: That's\n\nChannel 0: and make\n\nChannel 1: good.\n\nChannel 0: that phone call, and I can give you a callback in a minute? I don't\n\nChannel 1: In\n\nChannel 0: mind.\n\nChannel 1: just, like yeah. In five minutes? She's just\n\nChannel 0: Yeah.\n\nChannel 1: trying, like,\n\nChannel 0: Absolutely.\n\nChannel 1: four times and whether something's happening.\n\nChannel 0: Not a problem. I'll call you back\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Sorry.\n\nChannel 0: about five minutes. Is that okay? No. You're fine.\n\nChannel 1: Yeah. Wonderful.\n\nChannel 0: All good.\n\nChannel 1: Thank\n\nChannel 0: I'll\n\nChannel 1: you.\n\nChannel 0: talk that's okay, Heath. I'll talk to you in a minute.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.56,"sentiment":"neutral","sentiment_score":0.003468364244326949},{"text":"Oh, I see Mimi.","start":0.56,"end":2.5,"sentiment":"neutral","sentiment_score":-0.008184884791262448},{"text":"No.","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":-0.047459013760089874},{"text":"Mimi.","start":3.9199998,"end":4.4,"sentiment":"neutral","sentiment_score":-0.01904415711760521}],"sentiment":"neutral","sentiment_score":-0.01368204939977399,"channel":1,"num_words":7,"start":0.39999998,"end":4.4},{"sentences":[{"text":"Hi,","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":-0.006603769492357969}],"sentiment":"neutral","sentiment_score":-0.006603769492357969,"channel":0,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"Maybe.","start":4.4,"end":4.6,"sentiment":"neutral","sentiment_score":0.0007246816530823708},{"text":"So","start":4.6,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.00675150565803051}],"sentiment":"neutral","sentiment_score":0.0037380936555564404,"channel":1,"num_words":2,"start":4.4,"end":4.7999997},{"sentences":[{"text":"Ethan.","start":5.6,"end":5.92,"sentiment":"neutral","sentiment_score":0.009454799816012384}],"sentiment":"neutral","sentiment_score":0.009454799816012384,"channel":0,"num_words":1,"start":5.6,"end":5.92},{"sentences":[{"text":"yes.","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.014390001073479652}],"sentiment":"neutral","sentiment_score":0.014390001073479652,"channel":1,"num_words":1,"start":5.92,"end":6.42},{"sentences":[{"text":"This is Dana again.","start":5.92,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.0069430237635970116}],"sentiment":"neutral","sentiment_score":0.0069430237635970116,"channel":0,"num_words":4,"start":5.92,"end":6.7999997},{"sentences":[{"text":"So","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.011569540947675703}],"sentiment":"neutral","sentiment_score":-0.011569540947675703,"channel":1,"num_words":1,"start":6.56,"end":6.8799996},{"sentences":[{"text":"I'm","start":6.7999997,"end":6.96,"sentiment":"neutral","sentiment_score":-0.03591479733586311}],"sentiment":"neutral","sentiment_score":-0.03591479733586311,"channel":0,"num_words":1,"start":6.7999997,"end":6.96},{"sentences":[{"text":"I","start":6.8799996,"end":7.04,"sentiment":"neutral","sentiment_score":-0.0528603196144104}],"sentiment":"neutral","sentiment_score":-0.0528603196144104,"channel":1,"num_words":1,"start":6.8799996,"end":7.04},{"sentences":[{"text":"so","start":6.96,"end":7.2,"sentiment":"neutral","sentiment_score":-0.0764223039150238}],"sentiment":"neutral","sentiment_score":-0.0764223039150238,"channel":0,"num_words":1,"start":6.96,"end":7.2},{"sentences":[{"text":"don't know","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.0681966170668602}],"sentiment":"neutral","sentiment_score":-0.0681966170668602,"channel":1,"num_words":2,"start":7.04,"end":7.3599997},{"sentences":[{"text":"sorry.","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":-0.08913752436637878}],"sentiment":"neutral","sentiment_score":-0.08913752436637878,"channel":0,"num_words":1,"start":7.2,"end":7.7},{"sentences":[{"text":"what's going on there.","start":7.3599997,"end":8.4,"sentiment":"neutral","sentiment_score":-0.0372704453766346},{"text":"Just call","start":8.4,"end":8.96,"sentiment":"neutral","sentiment_score":-0.011850920505821705}],"sentiment":"neutral","sentiment_score":-0.028797270419696968,"channel":1,"num_words":6,"start":7.3599997,"end":8.96},{"sentences":[{"text":"You're","start":8.72,"end":9.22,"sentiment":"neutral","sentiment_score":-0.017726607620716095}],"sentiment":"neutral","sentiment_score":-0.017726607620716095,"channel":0,"num_words":1,"start":8.72,"end":9.22},{"sentences":[{"text":"me out again.","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.009519301354885101}],"sentiment":"neutral","sentiment_score":0.009519301354885101,"channel":1,"num_words":3,"start":8.96,"end":9.78},{"sentences":[{"text":"that's absolutely fine.","start":10.16,"end":11.44,"sentiment":"neutral","sentiment_score":0.2213983436425527},{"text":"If it does cut out, I'll keep calling","start":11.44,"end":13.44,"sentiment":"neutral","sentiment_score":-0.002967812741189846}],"sentiment":"neutral","sentiment_score":0.05822295718164903,"channel":0,"num_words":11,"start":10.16,"end":13.44},{"sentences":[{"text":"Okay.","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.02380330860614777}],"sentiment":"neutral","sentiment_score":0.02380330860614777,"channel":1,"num_words":1,"start":13.44,"end":13.94},{"sentences":[{"text":"you back, so don't worry.","start":13.44,"end":14.865,"sentiment":"neutral","sentiment_score":0.032610644772648814},{"text":"No issues","start":15.005,"end":15.725,"sentiment":"neutral","sentiment_score":0.03141953609883785}],"sentiment":"neutral","sentiment_score":0.032270328008702824,"channel":0,"num_words":7,"start":13.44,"end":15.725},{"sentences":[{"text":"Okay.","start":15.335,"end":15.835,"sentiment":"neutral","sentiment_score":0.08725002408027649}],"sentiment":"neutral","sentiment_score":0.08725002408027649,"channel":1,"num_words":1,"start":15.335,"end":15.835},{"sentences":[{"text":"at all.","start":15.725,"end":16.305,"sentiment":"neutral","sentiment_score":0.11344807222485542},{"text":"Easy.","start":17.005001,"end":17.505001,"sentiment":"neutral","sentiment_score":0.2692447304725647},{"text":"All done.","start":18.045,"end":18.765,"sentiment":"neutral","sentiment_score":0.3072361946105957},{"text":"All","start":18.765,"end":19.005001,"sentiment":"positive","sentiment_score":0.4652061462402344}],"sentiment":"neutral","sentiment_score":0.26263656839728355,"channel":0,"num_words":6,"start":15.725,"end":19.005001},{"sentences":[{"text":"Perfect.","start":18.775,"end":19.275,"sentiment":"positive","sentiment_score":0.6549855470657349}],"sentiment":"positive","sentiment_score":0.6549855470657349,"channel":1,"num_words":1,"start":18.775,"end":19.275},{"sentences":[{"text":"done.","start":19.005001,"end":19.405,"sentiment":"positive","sentiment_score":0.4808059930801392},{"text":"Easy.","start":19.405,"end":19.905,"sentiment":"positive","sentiment_score":0.3829939365386963},{"text":"So, look, honestly, it it is an important that I'm","start":20.125,"end":22.365,"sentiment":"neutral","sentiment_score":0.07599415332078933}],"sentiment":"neutral","sentiment_score":0.13531178856889406,"channel":0,"num_words":12,"start":19.005001,"end":22.365},{"sentences":[{"text":"Yeah.","start":22.215,"end":22.715,"sentiment":"neutral","sentiment_score":0.043226417154073715}],"sentiment":"neutral","sentiment_score":0.043226417154073715,"channel":1,"num_words":1,"start":22.215,"end":22.715},{"sentences":[{"text":"honest and open with you, and the markets haven't been great this year.","start":22.365,"end":25.244999,"sentiment":"neutral","sentiment_score":0.009980256167741923},{"text":"We have also","start":25.244999,"end":25.885,"sentiment":"neutral","sentiment_score":0.007012637332081795}],"sentiment":"neutral","sentiment_score":0.009423827636055648,"channel":0,"num_words":16,"start":22.365,"end":25.885},{"sentences":[{"text":"Yeah.","start":25.654999,"end":25.974998,"sentiment":"neutral","sentiment_score":0.005396563559770584}],"sentiment":"neutral","sentiment_score":0.005396563559770584,"channel":1,"num_words":1,"start":25.654999,"end":25.974998},{"sentences":[{"text":"had","start":25.885,"end":26.125,"sentiment":"neutral","sentiment_score":-0.003713216632604599}],"sentiment":"neutral","sentiment_score":-0.003713216632604599,"channel":0,"num_words":1,"start":25.885,"end":26.125},{"sentences":[{"text":"That's","start":25.974998,"end":26.294998,"sentiment":"neutral","sentiment_score":-0.018031690269708633}],"sentiment":"neutral","sentiment_score":-0.018031690269708633,"channel":1,"num_words":1,"start":25.974998,"end":26.294998},{"sentences":[{"text":"the underperforming","start":26.125,"end":26.785,"sentiment":"neutral","sentiment_score":-0.055970609188079834}],"sentiment":"neutral","sentiment_score":-0.055970609188079834,"channel":0,"num_words":2,"start":26.125,"end":26.785},{"sentences":[{"text":"understandable.","start":26.294998,"end":26.794998,"sentiment":"neutral","sentiment_score":-0.04419765993952751}],"sentiment":"neutral","sentiment_score":-0.04419765993952751,"channel":1,"num_words":1,"start":26.294998,"end":26.794998},{"sentences":[{"text":"investment, but it is good that we're seeing a better recovery there.","start":26.925,"end":30.34,"sentiment":"neutral","sentiment_score":0.22863449327026805}],"sentiment":"neutral","sentiment_score":0.22863449327026805,"channel":0,"num_words":12,"start":26.925,"end":30.34},{"sentences":[{"text":"Yeah.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.04070195555686951}],"sentiment":"neutral","sentiment_score":0.04070195555686951,"channel":1,"num_words":1,"start":30.21,"end":30.71},{"sentences":[{"text":"So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change,","start":30.640001,"end":41.06,"sentiment":"neutral","sentiment_score":0.02251688235749801}],"sentiment":"neutral","sentiment_score":0.02251688235749801,"channel":0,"num_words":42,"start":30.640001,"end":41.06},{"sentences":[{"text":"Yep.","start":41.25,"end":41.57,"sentiment":"neutral","sentiment_score":0.019392644986510277}],"sentiment":"neutral","sentiment_score":0.019392644986510277,"channel":1,"num_words":1,"start":41.25,"end":41.57},{"sentences":[{"text":"and then","start":41.385002,"end":41.705,"sentiment":"neutral","sentiment_score":0.022061319090425968}],"sentiment":"neutral","sentiment_score":0.022061319090425968,"channel":0,"num_words":2,"start":41.385002,"end":41.705},{"sentences":[{"text":"Yeah.","start":41.57,"end":42.07,"sentiment":"neutral","sentiment_score":0.013981898315250874}],"sentiment":"neutral","sentiment_score":0.013981898315250874,"channel":1,"num_words":1,"start":41.57,"end":42.07},{"sentences":[{"text":"maybe look at whether we've gotta make any further changes.","start":41.705,"end":44.505,"sentiment":"neutral","sentiment_score":0.013384691253304482},{"text":"Does that sound okay with you?","start":44.505,"end":46.125,"sentiment":"neutral","sentiment_score":0.05208772886544466}],"sentiment":"neutral","sentiment_score":0.02789833035785705,"channel":0,"num_words":16,"start":41.705,"end":46.125},{"sentences":[{"text":"That's yeah.","start":45.785,"end":46.745,"sentiment":"neutral","sentiment_score":0.13440271466970444},{"text":"Perfect.","start":46.745,"end":47.245,"sentiment":"positive","sentiment_score":0.4992663562297821}],"sentiment":"neutral","sentiment_score":0.25602392852306366,"channel":1,"num_words":3,"start":45.785,"end":47.245},{"sentences":[{"text":"Fantastic.","start":48.025,"end":48.525,"sentiment":"positive","sentiment_score":0.5902843475341797}],"sentiment":"positive","sentiment_score":0.5902843475341797,"channel":0,"num_words":1,"start":48.025,"end":48.525},{"sentences":[{"text":"Yeah.","start":48.185,"end":48.685,"sentiment":"positive","sentiment_score":0.3729979693889618}],"sentiment":"positive","sentiment_score":0.3729979693889618,"channel":1,"num_words":1,"start":48.185,"end":48.685},{"sentences":[{"text":"Excellent.","start":48.905,"end":49.405,"sentiment":"positive","sentiment_score":0.5383212566375732},{"text":"Excellent.","start":49.705,"end":50.205,"sentiment":"positive","sentiment_score":0.4388676881790161},{"text":"The other thing to sort of look at is I've had a bit of a look at the contribution side of things.","start":50.985,"end":56.08,"sentiment":"neutral","sentiment_score":0.036709248765625736},{"text":"You don't have any","start":56.08,"end":56.96,"sentiment":"neutral","sentiment_score":-0.025020156055688858}],"sentiment":"neutral","sentiment_score":0.060168278337057145,"channel":0,"num_words":28,"start":48.905,"end":56.96},{"sentences":[{"text":"Oh,","start":56.825,"end":56.985,"sentiment":"neutral","sentiment_score":-0.016953911632299423}],"sentiment":"neutral","sentiment_score":-0.016953911632299423,"channel":1,"num_words":1,"start":56.825,"end":56.985},{"sentences":[{"text":"contributions","start":56.96,"end":57.46,"sentiment":"neutral","sentiment_score":-0.028632108122110367}],"sentiment":"neutral","sentiment_score":-0.028632108122110367,"channel":0,"num_words":1,"start":56.96,"end":57.46},{"sentences":[{"text":"I did.","start":56.985,"end":57.465,"sentiment":"neutral","sentiment_score":-0.031259894371032715},{"text":"None.","start":57.465,"end":57.965,"sentiment":"neutral","sentiment_score":-0.05895962566137314}],"sentiment":"neutral","sentiment_score":-0.04049313813447952,"channel":1,"num_words":3,"start":56.985,"end":57.965},{"sentences":[{"text":"going in at the moment.","start":57.6,"end":58.9,"sentiment":"neutral","sentiment_score":-0.055570554733276364}],"sentiment":"neutral","sentiment_score":-0.055570554733276364,"channel":0,"num_words":5,"start":57.6,"end":58.9},{"sentences":[{"text":"Oh, I don't.","start":59.35,"end":60.23,"sentiment":"neutral","sentiment_score":-0.04752938946088155},{"text":"But I'm still I'm trying to form a company at the moment so","start":60.23,"end":63.949997,"sentiment":"neutral","sentiment_score":-0.021778529939743187}],"sentiment":"neutral","sentiment_score":-0.02660681609995663,"channel":1,"num_words":16,"start":59.35,"end":63.949997},{"sentences":[{"text":"Okay.","start":63.92,"end":64.42,"sentiment":"neutral","sentiment_score":0.00661645270884037}],"sentiment":"neutral","sentiment_score":0.00661645270884037,"channel":0,"num_words":1,"start":63.92,"end":64.42},{"sentences":[{"text":"I can pay myself a wage.","start":63.949997,"end":65.43,"sentiment":"neutral","sentiment_score":-0.00699741393327713},{"text":"So at the moment,","start":65.43,"end":66.229996,"sentiment":"neutral","sentiment_score":-0.010684252018108964}],"sentiment":"neutral","sentiment_score":-0.008472149167209864,"channel":1,"num_words":10,"start":63.949997,"end":66.229996},{"sentences":[{"text":"Yep.","start":66.0,"end":66.405,"sentiment":"neutral","sentiment_score":-0.007379790302366018}],"sentiment":"neutral","sentiment_score":-0.007379790302366018,"channel":0,"num_words":1,"start":66.0,"end":66.405},{"sentences":[{"text":"I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway.","start":66.229996,"end":76.65501,"sentiment":"neutral","sentiment_score":-0.040598509995185814}],"sentiment":"neutral","sentiment_score":-0.040598509995185814,"channel":1,"num_words":23,"start":66.229996,"end":76.65501},{"sentences":[{"text":"Yep.","start":76.565,"end":77.065,"sentiment":"neutral","sentiment_score":0.01736937090754509}],"sentiment":"neutral","sentiment_score":0.01736937090754509,"channel":0,"num_words":1,"start":76.565,"end":77.065},{"sentences":[{"text":"And","start":76.955,"end":77.355,"sentiment":"neutral","sentiment_score":0.017675437033176422}],"sentiment":"neutral","sentiment_score":0.017675437033176422,"channel":1,"num_words":1,"start":76.955,"end":77.355},{"sentences":[{"text":"Yep.","start":77.205,"end":77.705,"sentiment":"neutral","sentiment_score":0.01974308304488659}],"sentiment":"neutral","sentiment_score":0.01974308304488659,"channel":0,"num_words":1,"start":77.205,"end":77.705},{"sentences":[{"text":"then I can pay myself super.","start":77.355,"end":83.055,"sentiment":"neutral","sentiment_score":0.030425145601232845}],"sentiment":"neutral","sentiment_score":0.030425145601232845,"channel":1,"num_words":6,"start":77.355,"end":83.055},{"sentences":[{"text":"Yep.","start":83.7,"end":84.18,"sentiment":"neutral","sentiment_score":0.03576195240020752}],"sentiment":"neutral","sentiment_score":0.03576195240020752,"channel":0,"num_words":1,"start":83.7,"end":84.18},{"sentences":[{"text":"Yeah.","start":84.090004,"end":84.41,"sentiment":"neutral","sentiment_score":0.059092819690704346}],"sentiment":"neutral","sentiment_score":0.059092819690704346,"channel":1,"num_words":1,"start":84.090004,"end":84.41},{"sentences":[{"text":"Yes.","start":84.18,"end":84.58,"sentiment":"neutral","sentiment_score":0.0990525484085083}],"sentiment":"neutral","sentiment_score":0.0990525484085083,"channel":0,"num_words":1,"start":84.18,"end":84.58},{"sentences":[{"text":"I should","start":84.41,"end":84.810005,"sentiment":"neutral","sentiment_score":0.15666787326335907}],"sentiment":"neutral","sentiment_score":0.15666787326335907,"channel":1,"num_words":2,"start":84.41,"end":84.810005},{"sentences":[{"text":"Perfect.","start":84.58,"end":85.08,"sentiment":"neutral","sentiment_score":0.1903369426727295}],"sentiment":"neutral","sentiment_score":0.1903369426727295,"channel":0,"num_words":1,"start":84.58,"end":85.08},{"sentences":[{"text":"be doing it now, but yeah.","start":84.810005,"end":86.91,"sentiment":"neutral","sentiment_score":0.09849398334821065}],"sentiment":"neutral","sentiment_score":0.09849398334821065,"channel":1,"num_words":6,"start":84.810005,"end":86.91},{"sentences":[{"text":"That's okay.","start":86.899994,"end":87.799995,"sentiment":"neutral","sentiment_score":0.08052310720086098},{"text":"Honestly, we don't judge, and life gets very busy, especially having children.","start":87.939995,"end":92.28,"sentiment":"neutral","sentiment_score":-0.06518880052802463}],"sentiment":"neutral","sentiment_score":-0.0443728137096124,"channel":0,"num_words":14,"start":86.899994,"end":92.28},{"sentences":[{"text":"Oh, no.","start":93.05,"end":93.79,"sentiment":"neutral","sentiment_score":-0.03136888146400452},{"text":"Yeah.","start":94.25,"end":94.75,"sentiment":"neutral","sentiment_score":-0.00003450363874435425}],"sentiment":"neutral","sentiment_score":-0.02092408885558446,"channel":1,"num_words":3,"start":93.05,"end":94.75},{"sentences":[{"text":"Alright.","start":95.685,"end":96.165,"sentiment":"neutral","sentiment_score":0.039613619446754456},{"text":"All","start":96.165,"end":96.405,"sentiment":"neutral","sentiment_score":0.08017498254776001}],"sentiment":"neutral","sentiment_score":0.05989430099725723,"channel":0,"num_words":2,"start":95.685,"end":96.405},{"sentences":[{"text":"Yeah.","start":96.17,"end":96.67,"sentiment":"neutral","sentiment_score":0.1367373764514923}],"sentiment":"neutral","sentiment_score":0.1367373764514923,"channel":1,"num_words":1,"start":96.17,"end":96.67},{"sentences":[{"text":"good.","start":96.405,"end":96.725,"sentiment":"neutral","sentiment_score":0.2089821696281433},{"text":"Is that something you're sort of hoping to maybe do over the next six months?","start":96.725,"end":100.245,"sentiment":"neutral","sentiment_score":0.07866794367631276},{"text":"Do you feel","start":100.245,"end":100.725,"sentiment":"neutral","sentiment_score":0.01138747918109099}],"sentiment":"neutral","sentiment_score":0.07490335591137409,"channel":0,"num_words":19,"start":96.405,"end":100.725},{"sentences":[{"text":"Yeah.","start":100.645,"end":101.145,"sentiment":"neutral","sentiment_score":0.04388757050037384}],"sentiment":"neutral","sentiment_score":0.04388757050037384,"channel":1,"num_words":1,"start":100.645,"end":101.145},{"sentences":[{"text":"like you should be yep.","start":100.725,"end":102.185,"sentiment":"neutral","sentiment_score":0.04275601804256439}],"sentiment":"neutral","sentiment_score":0.04275601804256439,"channel":0,"num_words":5,"start":100.725,"end":102.185},{"sentences":[{"text":"Yep.","start":102.245,"end":102.725,"sentiment":"neutral","sentiment_score":0.02729279547929764}],"sentiment":"neutral","sentiment_score":0.02729279547929764,"channel":1,"num_words":1,"start":102.245,"end":102.725},{"sentences":[{"text":"Yep.","start":102.245,"end":102.725,"sentiment":"neutral","sentiment_score":0.042501300573349}],"sentiment":"neutral","sentiment_score":0.042501300573349,"channel":0,"num_words":1,"start":102.245,"end":102.725},{"sentences":[{"text":"Yep.","start":102.725,"end":103.225,"sentiment":"positive","sentiment_score":0.4210920035839081}],"sentiment":"positive","sentiment_score":0.4210920035839081,"channel":1,"num_words":1,"start":102.725,"end":103.225},{"sentences":[{"text":"Beautiful.","start":102.725,"end":103.225,"sentiment":"positive","sentiment_score":0.6164356470108032}],"sentiment":"positive","sentiment_score":0.6164356470108032,"channel":0,"num_words":1,"start":102.725,"end":103.225},{"sentences":[{"text":"Definitely.","start":103.525,"end":104.025,"sentiment":"positive","sentiment_score":0.6159408092498779}],"sentiment":"positive","sentiment_score":0.6159408092498779,"channel":1,"num_words":1,"start":103.525,"end":104.025},{"sentences":[{"text":"Excellent.","start":103.765,"end":104.265,"sentiment":"positive","sentiment_score":0.7338438630104065}],"sentiment":"positive","sentiment_score":0.7338438630104065,"channel":0,"num_words":1,"start":103.765,"end":104.265},{"sentences":[{"text":"Send me that, please.","start":104.405,"end":105.465,"sentiment":"positive","sentiment_score":0.5838901549577713}],"sentiment":"positive","sentiment_score":0.5838901549577713,"channel":1,"num_words":4,"start":104.405,"end":105.465},{"sentences":[{"text":"I'll make perfect.","start":104.965004,"end":106.58,"sentiment":"positive","sentiment_score":0.6086666981379191},{"text":"I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of","start":106.58,"end":116.66,"sentiment":"neutral","sentiment_score":0.13061444549576232}],"sentiment":"neutral","sentiment_score":0.16559387861592015,"channel":0,"num_words":41,"start":104.965004,"end":116.66},{"sentences":[{"text":"Yep.","start":116.48,"end":116.98,"sentiment":"neutral","sentiment_score":0.09569725394248962}],"sentiment":"neutral","sentiment_score":0.09569725394248962,"channel":1,"num_words":1,"start":116.48,"end":116.98},{"sentences":[{"text":"contributions and see what that looks like for you and maybe update personal advice to your flex.","start":116.66,"end":121.255005,"sentiment":"neutral","sentiment_score":0.1160585393800455},{"text":"Does that sound okay?","start":121.255005,"end":122.315,"sentiment":"neutral","sentiment_score":0.0929041113704443}],"sentiment":"neutral","sentiment_score":0.11164817214012146,"channel":0,"num_words":21,"start":116.66,"end":122.315},{"sentences":[{"text":"Yeah.","start":122.48,"end":122.88,"sentiment":"neutral","sentiment_score":0.1104898601770401},{"text":"100%.","start":122.88,"end":123.62,"sentiment":"neutral","sentiment_score":0.14674445986747742}],"sentiment":"neutral","sentiment_score":0.12861716002225876,"channel":1,"num_words":2,"start":122.48,"end":123.62},{"sentences":[{"text":"Yeah.","start":123.975006,"end":124.375,"sentiment":"neutral","sentiment_score":0.23160256445407867},{"text":"Beautiful.","start":124.375,"end":124.875,"sentiment":"positive","sentiment_score":0.5146795511245728},{"text":"So it sounds like with your growing, business is going quite well at the moment.","start":125.015,"end":129.115,"sentiment":"positive","sentiment_score":0.38165214856465657}],"sentiment":"positive","sentiment_score":0.3806508437675588,"channel":0,"num_words":17,"start":123.975006,"end":129.115},{"sentences":[{"text":"I'm here.","start":130.495,"end":131.055,"sentiment":"neutral","sentiment_score":0.14215326309204102},{"text":"Yeah.","start":131.055,"end":131.455,"sentiment":"neutral","sentiment_score":0.10431025922298431},{"text":"Yep.","start":131.455,"end":131.955,"sentiment":"neutral","sentiment_score":0.07514222711324692}],"sentiment":"neutral","sentiment_score":0.11593975313007832,"channel":1,"num_words":4,"start":130.495,"end":131.955},{"sentences":[{"text":"Yep.","start":132.935,"end":133.435,"sentiment":"neutral","sentiment_score":0.08346574008464813},{"text":"That's okay.","start":133.975,"end":134.795,"sentiment":"neutral","sentiment_score":0.12986204400658607},{"text":"Last estimated income we had you on was about 186,000.","start":135.8,"end":140.12,"sentiment":"neutral","sentiment_score":0.06105317510664463},{"text":"Do you feel like that's fairly accurate for what you should be earning this year as well?","start":140.12,"end":143.96,"sentiment":"neutral","sentiment_score":0.07687634404967814},{"text":"Or","start":143.96,"end":144.46,"sentiment":"neutral","sentiment_score":0.020572151988744736}],"sentiment":"neutral","sentiment_score":0.07358682516121096,"channel":0,"num_words":31,"start":132.935,"end":144.46},{"sentences":[{"text":"Yeah.","start":148.61,"end":149.11,"sentiment":"neutral","sentiment_score":0.019924916326999664},{"text":"Yeah.","start":149.41,"end":149.91,"sentiment":"neutral","sentiment_score":0.02057139202952385},{"text":"It's probably more, I guess.","start":150.20999,"end":152.23,"sentiment":"neutral","sentiment_score":0.016210680827498436}],"sentiment":"neutral","sentiment_score":0.01736424464200224,"channel":1,"num_words":7,"start":148.61,"end":152.23},{"sentences":[{"text":"yep.","start":152.615,"end":153.095,"sentiment":"neutral","sentiment_score":0.025118930265307423},{"text":"Yep.","start":153.095,"end":153.495,"sentiment":"neutral","sentiment_score":0.027379360049962997}],"sentiment":"neutral","sentiment_score":0.026249145157635212,"channel":0,"num_words":2,"start":152.615,"end":153.495},{"sentences":[{"text":"But","start":153.315,"end":153.815,"sentiment":"neutral","sentiment_score":0.028260942548513412}],"sentiment":"neutral","sentiment_score":0.028260942548513412,"channel":1,"num_words":1,"start":153.315,"end":153.815},{"sentences":[{"text":"That's okay.","start":153.495,"end":154.395,"sentiment":"neutral","sentiment_score":0.045545317232608795}],"sentiment":"neutral","sentiment_score":0.045545317232608795,"channel":0,"num_words":2,"start":153.495,"end":154.395},{"sentences":[{"text":"yeah.","start":154.595,"end":155.095,"sentiment":"neutral","sentiment_score":0.03371000662446022},{"text":"Yep.","start":155.79501,"end":156.29501,"sentiment":"neutral","sentiment_score":0.01706601306796074}],"sentiment":"neutral","sentiment_score":0.02538800984621048,"channel":1,"num_words":2,"start":154.595,"end":156.29501},{"sentences":[{"text":"No.","start":157.015,"end":157.255,"sentiment":"neutral","sentiment_score":-0.013507773168385029},{"text":"That's okay.","start":157.255,"end":157.895,"sentiment":"neutral","sentiment_score":-0.00684385621570982}],"sentiment":"neutral","sentiment_score":-0.009065161866601557,"channel":0,"num_words":3,"start":157.015,"end":157.895},{"sentences":[{"text":"Oh,","start":157.79501,"end":158.195,"sentiment":"neutral","sentiment_score":-0.025435209274291992}],"sentiment":"neutral","sentiment_score":-0.025435209274291992,"channel":1,"num_words":1,"start":157.79501,"end":158.195},{"sentences":[{"text":"We can","start":157.895,"end":158.295,"sentiment":"neutral","sentiment_score":-0.04838898405432701}],"sentiment":"neutral","sentiment_score":-0.04838898405432701,"channel":0,"num_words":2,"start":157.895,"end":158.295},{"sentences":[{"text":"no.","start":158.195,"end":158.43501,"sentiment":"neutral","sentiment_score":-0.0556621253490448}],"sentiment":"neutral","sentiment_score":-0.0556621253490448,"channel":1,"num_words":1,"start":158.195,"end":158.43501},{"sentences":[{"text":"keep","start":158.295,"end":158.535,"sentiment":"neutral","sentiment_score":-0.049001295119524}],"sentiment":"neutral","sentiment_score":-0.049001295119524,"channel":0,"num_words":1,"start":158.295,"end":158.535},{"sentences":[{"text":"No.","start":158.43501,"end":158.755,"sentiment":"neutral","sentiment_score":-0.09542733430862428}],"sentiment":"neutral","sentiment_score":-0.09542733430862428,"channel":1,"num_words":1,"start":158.43501,"end":158.755},{"sentences":[{"text":"that","start":158.535,"end":158.775,"sentiment":"neutral","sentiment_score":-0.09682676941156387}],"sentiment":"neutral","sentiment_score":-0.09682676941156387,"channel":0,"num_words":1,"start":158.535,"end":158.775},{"sentences":[{"text":"I","start":158.755,"end":158.91501,"sentiment":"neutral","sentiment_score":-0.0987989529967308}],"sentiment":"neutral","sentiment_score":-0.0987989529967308,"channel":1,"num_words":1,"start":158.755,"end":158.91501},{"sentences":[{"text":"as","start":158.775,"end":159.015,"sentiment":"neutral","sentiment_score":-0.0932738482952118}],"sentiment":"neutral","sentiment_score":-0.0932738482952118,"channel":0,"num_words":1,"start":158.775,"end":159.015},{"sentences":[{"text":"haven't","start":158.91501,"end":159.235,"sentiment":"neutral","sentiment_score":-0.08397673815488815}],"sentiment":"neutral","sentiment_score":-0.08397673815488815,"channel":1,"num_words":1,"start":158.91501,"end":159.235},{"sentences":[{"text":"it is.","start":159.015,"end":159.595,"sentiment":"neutral","sentiment_score":-0.07247656770050526}],"sentiment":"neutral","sentiment_score":-0.07247656770050526,"channel":0,"num_words":2,"start":159.015,"end":159.595},{"sentences":[{"text":"done my track yet this year or other.","start":159.235,"end":160.91,"sentiment":"neutral","sentiment_score":-0.07520854752510786},{"text":"So I know.","start":160.91,"end":161.815,"sentiment":"neutral","sentiment_score":-0.037809585531552635}],"sentiment":"neutral","sentiment_score":-0.06500883061777461,"channel":1,"num_words":11,"start":159.235,"end":161.815},{"sentences":[{"text":"Yeah.","start":163.20999,"end":163.70999,"sentiment":"neutral","sentiment_score":-0.012142393738031387}],"sentiment":"neutral","sentiment_score":-0.012142393738031387,"channel":0,"num_words":1,"start":163.20999,"end":163.70999},{"sentences":[{"text":"Yeah.","start":165.235,"end":165.735,"sentiment":"neutral","sentiment_score":-0.010471675544977188},{"text":"I","start":166.79001,"end":166.95001,"sentiment":"neutral","sentiment_score":-0.01680700294673443}],"sentiment":"neutral","sentiment_score":-0.013639339245855808,"channel":1,"num_words":2,"start":165.235,"end":166.95001},{"sentences":[{"text":"That's","start":166.89,"end":167.20999,"sentiment":"neutral","sentiment_score":-0.01696597784757614}],"sentiment":"neutral","sentiment_score":-0.01696597784757614,"channel":0,"num_words":1,"start":166.89,"end":167.20999},{"sentences":[{"text":"think the last","start":166.95001,"end":167.43001,"sentiment":"neutral","sentiment_score":-0.018549834688504536}],"sentiment":"neutral","sentiment_score":-0.018549834688504536,"channel":1,"num_words":3,"start":166.95001,"end":167.43001},{"sentences":[{"text":"alright.","start":167.20999,"end":167.70999,"sentiment":"neutral","sentiment_score":-0.016107335686683655}],"sentiment":"neutral","sentiment_score":-0.016107335686683655,"channel":0,"num_words":1,"start":167.20999,"end":167.70999},{"sentences":[{"text":"I think the previous oh, not last year.","start":167.67001,"end":170.71,"sentiment":"neutral","sentiment_score":-0.030091206077486277},{"text":"Last year's might","start":170.71,"end":171.75,"sentiment":"neutral","sentiment_score":-0.03563259976605574}],"sentiment":"neutral","sentiment_score":-0.03160249526527795,"channel":1,"num_words":11,"start":167.67001,"end":171.75},{"sentences":[{"text":"Mhmm.","start":171.53,"end":172.03,"sentiment":"neutral","sentiment_score":-0.02145429328083992}],"sentiment":"neutral","sentiment_score":-0.02145429328083992,"channel":0,"num_words":1,"start":171.53,"end":172.03},{"sentences":[{"text":"have been somewhere around the 200 possibly.","start":171.75,"end":175.53,"sentiment":"neutral","sentiment_score":-0.02286893634923867}],"sentiment":"neutral","sentiment_score":-0.02286893634923867,"channel":1,"num_words":7,"start":171.75,"end":175.53},{"sentences":[{"text":"Okay.","start":176.275,"end":176.775,"sentiment":"neutral","sentiment_score":0.041424497961997986},{"text":"Yep.","start":177.155,"end":177.635,"sentiment":"neutral","sentiment_score":0.07501232624053955},{"text":"Perfect.","start":177.635,"end":178.135,"sentiment":"neutral","sentiment_score":0.15881302952766418}],"sentiment":"neutral","sentiment_score":0.09174995124340057,"channel":0,"num_words":3,"start":176.275,"end":178.135},{"sentences":[{"text":"And this year, yeah.","start":178.79001,"end":180.09001,"sentiment":"neutral","sentiment_score":0.0736452890560031},{"text":"Hold on.","start":181.03,"end":181.51001,"sentiment":"neutral","sentiment_score":0.0419195294380188},{"text":"I get it.","start":181.51001,"end":182.42001,"sentiment":"neutral","sentiment_score":0.0764288455247879}],"sentiment":"neutral","sentiment_score":0.06752297240826818,"channel":1,"num_words":9,"start":178.79001,"end":182.42001},{"sentences":[{"text":"That's alright.","start":182.75499,"end":183.555,"sentiment":"neutral","sentiment_score":0.08907381072640419},{"text":"If you like, what we can do is I can sorta catch up with you in February.","start":183.555,"end":187.235,"sentiment":"neutral","sentiment_score":0.06600443755879122},{"text":"We'll do a bit of catch up, reassess everything.","start":187.235,"end":189.38,"sentiment":"neutral","sentiment_score":0.07152481791045931},{"text":"And then because,","start":189.59999,"end":190.24,"sentiment":"neutral","sentiment_score":0.04780430470903715}],"sentiment":"neutral","sentiment_score":0.06733417210559692,"channel":0,"num_words":31,"start":182.75499,"end":190.24},{"sentences":[{"text":"Yep.","start":190.125,"end":190.625,"sentiment":"neutral","sentiment_score":0.03728760406374931}],"sentiment":"neutral","sentiment_score":0.03728760406374931,"channel":1,"num_words":1,"start":190.125,"end":190.625},{"sentences":[{"text":"hopefully, you may have done your tax by then, we can","start":190.24,"end":192.88,"sentiment":"neutral","sentiment_score":0.040932680226185104}],"sentiment":"neutral","sentiment_score":0.040932680226185104,"channel":0,"num_words":11,"start":190.24,"end":192.88},{"sentences":[{"text":"Yes.","start":192.845,"end":193.345,"sentiment":"neutral","sentiment_score":0.0575590543448925}],"sentiment":"neutral","sentiment_score":0.0575590543448925,"channel":1,"num_words":1,"start":192.845,"end":193.345},{"sentences":[{"text":"have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself.","start":192.88,"end":199.44,"sentiment":"neutral","sentiment_score":0.05918914328018824},{"text":"So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense.","start":199.44,"end":216.69,"sentiment":"neutral","sentiment_score":0.12736011833929625}],"sentiment":"neutral","sentiment_score":0.10811184302848928,"channel":0,"num_words":85,"start":192.88,"end":216.69},{"sentences":[{"text":"Yeah.","start":217.475,"end":217.71501,"sentiment":"neutral","sentiment_score":0.10367583483457564},{"text":"Yeah.","start":217.71501,"end":218.21501,"sentiment":"neutral","sentiment_score":0.14502674341201782}],"sentiment":"neutral","sentiment_score":0.12435128912329674,"channel":1,"num_words":2,"start":217.475,"end":218.21501},{"sentences":[{"text":"Yeah.","start":218.61,"end":219.11,"sentiment":"neutral","sentiment_score":0.2820722758769989},{"text":"Fantastic.","start":219.17,"end":219.67,"sentiment":"positive","sentiment_score":0.5591815710067749},{"text":"Excellent.","start":220.05,"end":220.55,"sentiment":"positive","sentiment_score":0.48867231607437134},{"text":"And you're a builder by trade.","start":220.69,"end":222.13,"sentiment":"neutral","sentiment_score":0.27637553215026855},{"text":"Is that right?","start":222.13,"end":223.03,"sentiment":"neutral","sentiment_score":0.02667391796906789}],"sentiment":"neutral","sentiment_score":0.25568342581391335,"channel":0,"num_words":12,"start":218.61,"end":223.03},{"sentences":[{"text":"I am.","start":223.315,"end":223.955,"sentiment":"neutral","sentiment_score":0.06714896857738495},{"text":"Yes.","start":223.955,"end":224.31,"sentiment":"neutral","sentiment_score":0.12668967247009277}],"sentiment":"neutral","sentiment_score":0.08699586987495422,"channel":1,"num_words":3,"start":223.315,"end":224.31},{"sentences":[{"text":"Yeah.","start":224.69,"end":225.19,"sentiment":"neutral","sentiment_score":0.26868289709091187},{"text":"Beautiful.","start":225.25,"end":225.75,"sentiment":"positive","sentiment_score":0.6999683380126953},{"text":"Excellent.","start":226.61,"end":227.09,"sentiment":"positive","sentiment_score":0.721143901348114},{"text":"And work is picking up nicely.","start":227.09,"end":228.71,"sentiment":"positive","sentiment_score":0.5800774743159612},{"text":"What kinda hours do you work on a regular average week, do you think?","start":228.77,"end":233.09499,"sentiment":"neutral","sentiment_score":0.06527971409793411}],"sentiment":"neutral","sentiment_score":0.26452939042254636,"channel":0,"num_words":23,"start":224.69,"end":233.09499},{"sentences":[{"text":"And an average rate,","start":233.59,"end":235.20999,"sentiment":"neutral","sentiment_score":0.025742314290255308}],"sentiment":"neutral","sentiment_score":0.025742314290255308,"channel":1,"num_words":4,"start":233.59,"end":235.20999},{"sentences":[{"text":"Yeah.","start":235.715,"end":236.215,"sentiment":"neutral","sentiment_score":0.026033667847514153}],"sentiment":"neutral","sentiment_score":0.026033667847514153,"channel":0,"num_words":1,"start":235.715,"end":236.215},{"sentences":[{"text":"maybe 65.","start":237.67,"end":239.05,"sentiment":"neutral","sentiment_score":0.027917842380702496}],"sentiment":"neutral","sentiment_score":0.027917842380702496,"channel":1,"num_words":2,"start":237.67,"end":239.05},{"sentences":[{"text":"Yeah.","start":239.47499,"end":239.875,"sentiment":"neutral","sentiment_score":0.03767254203557968},{"text":"Wow.","start":239.875,"end":240.275,"sentiment":"neutral","sentiment_score":0.06172316521406174},{"text":"And is it just you, or do you have others working with you, apprentices and people that you","start":240.275,"end":244.515,"sentiment":"neutral","sentiment_score":0.013219702885382704}],"sentiment":"neutral","sentiment_score":0.016867517959326506,"channel":0,"num_words":20,"start":239.47499,"end":244.515},{"sentences":[{"text":"I'm","start":244.49501,"end":244.735,"sentiment":"neutral","sentiment_score":0.019238842651247975}],"sentiment":"neutral","sentiment_score":0.019238842651247975,"channel":1,"num_words":1,"start":244.49501,"end":244.735},{"sentences":[{"text":"maybe","start":244.515,"end":244.75499,"sentiment":"neutral","sentiment_score":0.019518529996275905}],"sentiment":"neutral","sentiment_score":0.019518529996275905,"channel":0,"num_words":1,"start":244.515,"end":244.75499},{"sentences":[{"text":"just","start":244.735,"end":244.975,"sentiment":"neutral","sentiment_score":0.01674431562423706}],"sentiment":"neutral","sentiment_score":0.01674431562423706,"channel":1,"num_words":1,"start":244.735,"end":244.975},{"sentences":[{"text":"contract","start":244.75499,"end":245.25499,"sentiment":"neutral","sentiment_score":0.010165013372898102}],"sentiment":"neutral","sentiment_score":0.010165013372898102,"channel":0,"num_words":1,"start":244.75499,"end":245.25499},{"sentences":[{"text":"not an","start":244.975,"end":245.375,"sentiment":"neutral","sentiment_score":0.0012051425874233246}],"sentiment":"neutral","sentiment_score":0.0012051425874233246,"channel":1,"num_words":2,"start":244.975,"end":245.375},{"sentences":[{"text":"out?","start":245.31499,"end":245.64,"sentiment":"neutral","sentiment_score":0.0008025323040783405}],"sentiment":"neutral","sentiment_score":0.0008025323040783405,"channel":0,"num_words":1,"start":245.31499,"end":245.64},{"sentences":[{"text":"apprentice.","start":245.375,"end":245.875,"sentiment":"neutral","sentiment_score":-0.005311291664838791},{"text":"Only an apprentice.","start":246.335,"end":247.395,"sentiment":"neutral","sentiment_score":-0.011196218430995941}],"sentiment":"neutral","sentiment_score":-0.009724986739456654,"channel":1,"num_words":4,"start":245.375,"end":247.395},{"sentences":[{"text":"Only an apprentice.","start":248.12,"end":248.92,"sentiment":"neutral","sentiment_score":-0.002860196866095066},{"text":"Yeah.","start":248.92,"end":249.31999,"sentiment":"neutral","sentiment_score":0.0714959129691124},{"text":"Perfect.","start":249.31999,"end":249.81999,"sentiment":"neutral","sentiment_score":0.29101815819740295},{"text":"And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or?","start":249.88,"end":259.095,"sentiment":"neutral","sentiment_score":0.054950634709426335}],"sentiment":"neutral","sentiment_score":0.056930142384953794,"channel":0,"num_words":40,"start":248.12,"end":259.095},{"sentences":[{"text":"Yeah.","start":259.13,"end":259.53,"sentiment":"neutral","sentiment_score":0.019087329506874084},{"text":"I'll oh, yeah.","start":259.53,"end":260.41,"sentiment":"neutral","sentiment_score":0.03282687192161878},{"text":"I will put another tradesman.","start":260.41,"end":261.87,"sentiment":"neutral","sentiment_score":0.03121839798986912}],"sentiment":"neutral","sentiment_score":0.030406659469008446,"channel":1,"num_words":9,"start":259.13,"end":261.87},{"sentences":[{"text":"Yeah.","start":262.855,"end":263.355,"sentiment":"neutral","sentiment_score":0.098673976957798},{"text":"Perfect.","start":264.935,"end":265.415,"sentiment":"positive","sentiment_score":0.37299615144729614},{"text":"Beautiful.","start":265.415,"end":265.915,"sentiment":"positive","sentiment_score":0.49674686789512634},{"text":"Excellent.","start":266.215,"end":266.715,"sentiment":"positive","sentiment_score":0.4556736350059509},{"text":"Good to","start":267.255,"end":267.735,"sentiment":"positive","sentiment_score":0.3970874547958374}],"sentiment":"positive","sentiment_score":0.36971092348297435,"channel":0,"num_words":6,"start":262.855,"end":267.735},{"sentences":[{"text":"Yeah.","start":267.61002,"end":268.11002,"sentiment":"neutral","sentiment_score":0.31945106387138367}],"sentiment":"neutral","sentiment_score":0.31945106387138367,"channel":1,"num_words":1,"start":267.61002,"end":268.11002},{"sentences":[{"text":"see.","start":267.735,"end":268.235,"sentiment":"neutral","sentiment_score":0.24361541867256165},{"text":"Excellent.","start":269.495,"end":269.995,"sentiment":"neutral","sentiment_score":0.32997798919677734},{"text":"The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report.","start":271.095,"end":277.72998,"sentiment":"neutral","sentiment_score":0.08007909713879875},{"text":"So it does show, obviously, that we've gone through that.","start":277.72998,"end":280.21,"sentiment":"neutral","sentiment_score":0.00988321304321289},{"text":"Your performance for this year is sort of sitting at a negative 1.65%.","start":280.21,"end":284.53,"sentiment":"neutral","sentiment_score":-0.13366064773156092}],"sentiment":"neutral","sentiment_score":0.0161803406663239,"channel":0,"num_words":48,"start":267.735,"end":284.53},{"sentences":[{"text":"That's for the last twelve months.","start":284.53,"end":286.22998,"sentiment":"neutral","sentiment_score":-0.08375103026628494},{"text":"But when I","start":286.54498,"end":287.025,"sentiment":"neutral","sentiment_score":-0.035203685984015465}],"sentiment":"neutral","sentiment_score":-0.06756858217219512,"channel":0,"num_words":9,"start":284.53,"end":287.025},{"sentences":[{"text":"Yep.","start":286.89,"end":287.39,"sentiment":"neutral","sentiment_score":-0.012127967551350594}],"sentiment":"neutral","sentiment_score":-0.012127967551350594,"channel":1,"num_words":1,"start":286.89,"end":287.39},{"sentences":[{"text":"kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%.","start":287.025,"end":297.905,"sentiment":"neutral","sentiment_score":0.01902237007660525},{"text":"So I just wanna keep reviewing that, making sure that it is recovering back.","start":297.905,"end":302.16,"sentiment":"neutral","sentiment_score":0.03306753121848617},{"text":"And if we don't see","start":302.16,"end":303.2,"sentiment":"neutral","sentiment_score":-0.02859736829996109}],"sentiment":"neutral","sentiment_score":0.018254473115558976,"channel":0,"num_words":54,"start":287.025,"end":303.2},{"sentences":[{"text":"Yeah.","start":303.045,"end":303.545,"sentiment":"neutral","sentiment_score":-0.02130115032196045}],"sentiment":"neutral","sentiment_score":-0.02130115032196045,"channel":1,"num_words":1,"start":303.045,"end":303.545},{"sentences":[{"text":"any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along.","start":303.2,"end":311.62,"sentiment":"neutral","sentiment_score":0.019953843339213302},{"text":"Okay?","start":311.76,"end":312.26,"sentiment":"neutral","sentiment_score":0.017153434455394745}],"sentiment":"neutral","sentiment_score":0.01985727751563335,"channel":0,"num_words":29,"start":303.2,"end":312.26},{"sentences":[{"text":"Okay.","start":312.25,"end":312.75,"sentiment":"neutral","sentiment_score":0.018172672018408775},{"text":"Yeah.","start":312.89,"end":313.39,"sentiment":"neutral","sentiment_score":0.017798593267798424}],"sentiment":"neutral","sentiment_score":0.0179856326431036,"channel":1,"num_words":2,"start":312.25,"end":313.39},{"sentences":[{"text":"To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young.","start":313.845,"end":319.92502,"sentiment":"neutral","sentiment_score":0.017037757849764256},{"text":"Are you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track?","start":319.92502,"end":327.385,"sentiment":"neutral","sentiment_score":0.028277869721681906}],"sentiment":"neutral","sentiment_score":0.023557022735476493,"channel":0,"num_words":50,"start":313.845,"end":327.385},{"sentences":[{"text":"Yeah.","start":328.95502,"end":329.035,"sentiment":"neutral","sentiment_score":0.012058762833476068},{"text":"Probably 60, I guess.","start":329.035,"end":330.895,"sentiment":"neutral","sentiment_score":0.012869295198470354}],"sentiment":"neutral","sentiment_score":0.012707188725471497,"channel":1,"num_words":5,"start":328.95502,"end":330.895},{"sentences":[{"text":"Yep.","start":331.38,"end":331.78,"sentiment":"neutral","sentiment_score":0.03272904083132744},{"text":"Yep.","start":331.78,"end":332.26,"sentiment":"neutral","sentiment_score":0.03926203772425651},{"text":"That's okay.","start":332.26,"end":333.08,"sentiment":"neutral","sentiment_score":0.0634459238499403},{"text":"And have you looked now you've just turned 44 there as well,","start":334.26,"end":337.06,"sentiment":"neutral","sentiment_score":0.028885736440618832}],"sentiment":"neutral","sentiment_score":0.03409448522143066,"channel":0,"num_words":16,"start":331.38,"end":337.06},{"sentences":[{"text":"Yeah.","start":336.95502,"end":337.45502,"sentiment":"neutral","sentiment_score":0.01367386430501938}],"sentiment":"neutral","sentiment_score":0.01367386430501938,"channel":1,"num_words":1,"start":336.95502,"end":337.45502},{"sentences":[{"text":"haven't you?","start":337.06,"end":337.88,"sentiment":"neutral","sentiment_score":0.014322225470095873}],"sentiment":"neutral","sentiment_score":0.014322225470095873,"channel":0,"num_words":2,"start":337.06,"end":337.88},{"sentences":[{"text":"Yeah.","start":337.595,"end":338.095,"sentiment":"neutral","sentiment_score":0.03987009823322296}],"sentiment":"neutral","sentiment_score":0.03987009823322296,"channel":1,"num_words":1,"start":337.595,"end":338.095},{"sentences":[{"text":"Happy","start":338.26,"end":338.66,"sentiment":"neutral","sentiment_score":0.10032495856285097}],"sentiment":"neutral","sentiment_score":0.10032495856285097,"channel":0,"num_words":1,"start":338.26,"end":338.66},{"sentences":[{"text":"Yeah.","start":338.34,"end":338.84,"sentiment":"neutral","sentiment_score":0.06226106733083725}],"sentiment":"neutral","sentiment_score":0.06226106733083725,"channel":1,"num_words":1,"start":338.34,"end":338.84},{"sentences":[{"text":"birthday.","start":338.66,"end":339.16,"sentiment":"neutral","sentiment_score":0.04349396750330925}],"sentiment":"neutral","sentiment_score":0.04349396750330925,"channel":0,"num_words":1,"start":338.66,"end":339.16},{"sentences":[{"text":"Yeah.","start":339.78,"end":340.18,"sentiment":"neutral","sentiment_score":0.03752323240041733}],"sentiment":"neutral","sentiment_score":0.03752323240041733,"channel":1,"num_words":1,"start":339.78,"end":340.18},{"sentences":[{"text":"Don't","start":340.02,"end":340.34,"sentiment":"neutral","sentiment_score":0.0015590924303978682}],"sentiment":"neutral","sentiment_score":0.0015590924303978682,"channel":0,"num_words":1,"start":340.02,"end":340.34},{"sentences":[{"text":"Thank","start":340.18,"end":340.5,"sentiment":"neutral","sentiment_score":-0.006593681871891022}],"sentiment":"neutral","sentiment_score":-0.006593681871891022,"channel":1,"num_words":1,"start":340.18,"end":340.5},{"sentences":[{"text":"worry.","start":340.34,"end":340.84,"sentiment":"neutral","sentiment_score":0.05389322340488434}],"sentiment":"neutral","sentiment_score":0.05389322340488434,"channel":0,"num_words":1,"start":340.34,"end":340.84},{"sentences":[{"text":"you.","start":340.5,"end":341.0,"sentiment":"neutral","sentiment_score":0.06333407759666443}],"sentiment":"neutral","sentiment_score":0.06333407759666443,"channel":1,"num_words":1,"start":340.5,"end":341.0},{"sentences":[{"text":"That's right.","start":341.375,"end":341.85498,"sentiment":"neutral","sentiment_score":0.038624106673523784},{"text":"I'm 41, so don't feel too bad.","start":341.85498,"end":343.85498,"sentiment":"neutral","sentiment_score":0.005211087209837777}],"sentiment":"neutral","sentiment_score":0.012636202646212446,"channel":0,"num_words":9,"start":341.375,"end":343.85498},{"sentences":[{"text":"Okay.","start":343.62,"end":344.12,"sentiment":"neutral","sentiment_score":0.19643612205982208}],"sentiment":"neutral","sentiment_score":0.19643612205982208,"channel":1,"num_words":1,"start":343.62,"end":344.12},{"sentences":[{"text":"I promise.","start":343.85498,"end":344.51498,"sentiment":"neutral","sentiment_score":0.193819560110569}],"sentiment":"neutral","sentiment_score":0.193819560110569,"channel":0,"num_words":2,"start":343.85498,"end":344.51498},{"sentences":[{"text":"Okay.","start":344.98,"end":345.46,"sentiment":"positive","sentiment_score":0.3718428313732147},{"text":"Good.","start":345.46,"end":345.96,"sentiment":"positive","sentiment_score":0.5962674617767334}],"sentiment":"positive","sentiment_score":0.48405514657497406,"channel":1,"num_words":2,"start":344.98,"end":345.96},{"sentences":[{"text":"They they say our forties are the are the best time of our life, so I'm taking that","start":346.495,"end":350.255,"sentiment":"positive","sentiment_score":0.41213559442096287}],"sentiment":"positive","sentiment_score":0.41213559442096287,"channel":0,"num_words":18,"start":346.495,"end":350.255},{"sentences":[{"text":"Yeah.","start":350.1,"end":350.6,"sentiment":"neutral","sentiment_score":0.2354820966720581}],"sentiment":"neutral","sentiment_score":0.2354820966720581,"channel":1,"num_words":1,"start":350.1,"end":350.6},{"sentences":[{"text":"on board.","start":350.255,"end":350.91498,"sentiment":"neutral","sentiment_score":0.274482786655426}],"sentiment":"neutral","sentiment_score":0.274482786655426,"channel":0,"num_words":2,"start":350.255,"end":350.91498},{"sentences":[{"text":"Yeah.","start":351.06,"end":351.56,"sentiment":"neutral","sentiment_score":0.27559638023376465},{"text":"Okay.","start":351.7,"end":352.1,"sentiment":"positive","sentiment_score":0.4078988432884216},{"text":"Thanks, guys.","start":352.1,"end":352.84,"sentiment":"positive","sentiment_score":0.6117935478687286}],"sentiment":"positive","sentiment_score":0.4767705798149109,"channel":1,"num_words":4,"start":351.06,"end":352.84},{"sentences":[{"text":"Yeah.","start":353.535,"end":354.035,"sentiment":"neutral","sentiment_score":0.21521428227424624},{"text":"So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there.","start":354.66,"end":363.3,"sentiment":"neutral","sentiment_score":0.0903138855042366},{"text":"So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39.","start":363.3,"end":373.145,"sentiment":"neutral","sentiment_score":0.06460297396727677},{"text":"So you are fairly on average for where most people of your age and stage are, which is good.","start":373.145,"end":378.745,"sentiment":"neutral","sentiment_score":0.22645661626991473},{"text":"It does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average.","start":378.745,"end":384.27,"sentiment":"neutral","sentiment_score":0.26531384817578574}],"sentiment":"neutral","sentiment_score":0.15027259710753701,"channel":0,"num_words":97,"start":353.535,"end":384.27},{"sentences":[{"text":"I","start":384.83,"end":384.99,"sentiment":"neutral","sentiment_score":0.064192034304142}],"sentiment":"neutral","sentiment_score":0.064192034304142,"channel":0,"num_words":1,"start":384.83,"end":384.99},{"sentences":[{"text":"Yeah.","start":384.955,"end":385.455,"sentiment":"neutral","sentiment_score":0.08766716718673706}],"sentiment":"neutral","sentiment_score":0.08766716718673706,"channel":1,"num_words":1,"start":384.955,"end":385.455},{"sentences":[{"text":"would definitely like to see it working a bit harder and building more,","start":384.99,"end":388.19,"sentiment":"neutral","sentiment_score":0.08638672473338935}],"sentiment":"neutral","sentiment_score":0.08638672473338935,"channel":0,"num_words":13,"start":384.99,"end":388.19},{"sentences":[{"text":"Yeah.","start":388.155,"end":388.655,"sentiment":"neutral","sentiment_score":0.09715993702411652}],"sentiment":"neutral","sentiment_score":0.09715993702411652,"channel":1,"num_words":1,"start":388.155,"end":388.655},{"sentences":[{"text":"but we'll keep working on that down the track for you.","start":388.19,"end":391.09,"sentiment":"neutral","sentiment_score":0.16423501142046668},{"text":"Okay?","start":391.15,"end":391.65,"sentiment":"neutral","sentiment_score":0.0746123194694519}],"sentiment":"neutral","sentiment_score":0.15676645375788212,"channel":0,"num_words":12,"start":388.19,"end":391.65},{"sentences":[{"text":"May I say Yep.","start":391.435,"end":392.735,"sentiment":"neutral","sentiment_score":0.08525611460208893}],"sentiment":"neutral","sentiment_score":0.08525611460208893,"channel":1,"num_words":4,"start":391.435,"end":392.735},{"sentences":[{"text":"Yeah.","start":392.59,"end":393.09,"sentiment":"neutral","sentiment_score":0.09756000339984894},{"text":"They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super.","start":393.87,"end":402.525,"sentiment":"neutral","sentiment_score":0.0988161955838618},{"text":"So we'll try to sort of keep building on that as much as we possibly can.","start":402.525,"end":406.38498,"sentiment":"neutral","sentiment_score":0.16879966668784618}],"sentiment":"neutral","sentiment_score":0.12677817922085524,"channel":0,"num_words":40,"start":392.59,"end":406.38498},{"sentences":[{"text":"Yeah.","start":405.98,"end":406.46002,"sentiment":"neutral","sentiment_score":0.3211258351802826},{"text":"Nice to get all of that.","start":406.46002,"end":408.08002,"sentiment":"positive","sentiment_score":0.649777352809906}],"sentiment":"positive","sentiment_score":0.6028271360056741,"channel":1,"num_words":7,"start":405.98,"end":408.08002},{"sentences":[{"text":"Absolutely.","start":408.60498,"end":409.10498,"sentiment":"positive","sentiment_score":0.5994377136230469},{"text":"Absolutely.","start":409.72498,"end":410.22498,"sentiment":"positive","sentiment_score":0.557489275932312},{"text":"I'll make it my goal.","start":410.44498,"end":411.405,"sentiment":"positive","sentiment_score":0.6330042600631713},{"text":"I want you to enjoy your retirement years.","start":411.405,"end":413.72498,"sentiment":"positive","sentiment_score":0.6261880025267601},{"text":"So when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married.","start":413.72498,"end":423.84998,"sentiment":"neutral","sentiment_score":0.16471288661504613}],"sentiment":"neutral","sentiment_score":0.3206392277709462,"channel":0,"num_words":44,"start":408.60498,"end":423.84998},{"sentences":[{"text":"Does your wife work as well?","start":423.84998,"end":425.21,"sentiment":"neutral","sentiment_score":0.07848804195721944},{"text":"Does she have super as well?","start":425.21,"end":426.99,"sentiment":"neutral","sentiment_score":0.0713087401042382}],"sentiment":"neutral","sentiment_score":0.07489839103072882,"channel":0,"num_words":12,"start":423.84998,"end":426.99},{"sentences":[{"text":"Yeah.","start":427.33002,"end":427.65002,"sentiment":"neutral","sentiment_score":0.0836741104722023},{"text":"She does.","start":427.65002,"end":428.55002,"sentiment":"neutral","sentiment_score":0.08288371562957764},{"text":"Oh, she's","start":428.61002,"end":429.35,"sentiment":"neutral","sentiment_score":0.050909578800201416}],"sentiment":"neutral","sentiment_score":0.07025213986635208,"channel":1,"num_words":5,"start":427.33002,"end":429.35},{"sentences":[{"text":"Yep.","start":429.21,"end":429.555,"sentiment":"neutral","sentiment_score":0.05047669634222984}],"sentiment":"neutral","sentiment_score":0.05047669634222984,"channel":0,"num_words":1,"start":429.21,"end":429.555},{"sentences":[{"text":"she's a nurse.","start":430.37003,"end":431.59003,"sentiment":"neutral","sentiment_score":0.045960319538911186}],"sentiment":"neutral","sentiment_score":0.045960319538911186,"channel":1,"num_words":3,"start":430.37003,"end":431.59003},{"sentences":[{"text":"Okay.","start":432.51498,"end":433.01498,"sentiment":"neutral","sentiment_score":0.14294826984405518},{"text":"Perfect.","start":433.315,"end":433.815,"sentiment":"neutral","sentiment_score":0.26976728439331055}],"sentiment":"neutral","sentiment_score":0.20635777711868286,"channel":0,"num_words":2,"start":432.51498,"end":433.815},{"sentences":[{"text":"Yeah.","start":433.65002,"end":434.15002,"sentiment":"neutral","sentiment_score":0.08265261352062225}],"sentiment":"neutral","sentiment_score":0.08265261352062225,"channel":1,"num_words":1,"start":433.65002,"end":434.15002},{"sentences":[{"text":"So she'd have a fairly","start":433.875,"end":434.835,"sentiment":"neutral","sentiment_score":0.028212735429406166}],"sentiment":"neutral","sentiment_score":0.028212735429406166,"channel":0,"num_words":5,"start":433.875,"end":434.835},{"sentences":[{"text":"Sorry.","start":434.61002,"end":435.11002,"sentiment":"neutral","sentiment_score":-0.0022131428122520447}],"sentiment":"neutral","sentiment_score":-0.0022131428122520447,"channel":1,"num_words":1,"start":434.61002,"end":435.11002},{"sentences":[{"text":"good super balance there as well.","start":434.835,"end":436.695,"sentiment":"neutral","sentiment_score":0.0797659270465374}],"sentiment":"neutral","sentiment_score":0.0797659270465374,"channel":0,"num_words":6,"start":434.835,"end":436.695},{"sentences":[{"text":"I'd hope so.","start":437.97,"end":438.85,"sentiment":"neutral","sentiment_score":0.060751485327879585},{"text":"Yeah.","start":438.85,"end":439.35,"sentiment":"neutral","sentiment_score":0.003302222117781639}],"sentiment":"neutral","sentiment_score":0.0463891695253551,"channel":1,"num_words":4,"start":437.97,"end":439.35},{"sentences":[{"text":"No.","start":440.35498,"end":440.595,"sentiment":"neutral","sentiment_score":-0.0512537881731987},{"text":"That's okay.","start":440.595,"end":441.235,"sentiment":"neutral","sentiment_score":-0.010056729894131422},{"text":"The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser.","start":441.235,"end":447.13,"sentiment":"neutral","sentiment_score":-0.016002376023679973},{"text":"Down the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par?","start":447.75,"end":457.83502,"sentiment":"neutral","sentiment_score":0.023644070234149696},{"text":"What you need to live on when you get to those areas?","start":457.83502,"end":460.415,"sentiment":"neutral","sentiment_score":0.0198539971994857}],"sentiment":"neutral","sentiment_score":0.008907301590079441,"channel":0,"num_words":80,"start":440.35498,"end":460.415},{"sentences":[{"text":"Realistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than","start":461.11502,"end":471.035,"sentiment":"neutral","sentiment_score":0.03734003073934998}],"sentiment":"neutral","sentiment_score":0.03734003073934998,"channel":0,"num_words":28,"start":461.11502,"end":471.035},{"sentences":[{"text":"Oh,","start":470.92502,"end":471.08502,"sentiment":"neutral","sentiment_score":-0.2369308769702911}],"sentiment":"neutral","sentiment_score":-0.2369308769702911,"channel":1,"num_words":1,"start":470.92502,"end":471.08502},{"sentences":[{"text":"depleting","start":471.035,"end":471.535,"sentiment":"neutral","sentiment_score":-0.246709942817688}],"sentiment":"neutral","sentiment_score":-0.246709942817688,"channel":0,"num_words":1,"start":471.035,"end":471.535},{"sentences":[{"text":"okay.","start":471.08502,"end":471.58502,"sentiment":"neutral","sentiment_score":-0.11403103172779085}],"sentiment":"neutral","sentiment_score":-0.11403103172779085,"channel":1,"num_words":1,"start":471.08502,"end":471.58502},{"sentences":[{"text":"one or the other.","start":471.595,"end":472.655,"sentiment":"neutral","sentiment_score":-0.06763557437807322},{"text":"The","start":473.11,"end":473.27,"sentiment":"neutral","sentiment_score":-0.0016018450260162354}],"sentiment":"neutral","sentiment_score":-0.05442882850766182,"channel":0,"num_words":5,"start":471.595,"end":473.27},{"sentences":[{"text":"Yeah.","start":473.245,"end":473.745,"sentiment":"neutral","sentiment_score":0.003618425689637661}],"sentiment":"neutral","sentiment_score":0.003618425689637661,"channel":1,"num_words":1,"start":473.245,"end":473.745},{"sentences":[{"text":"other thing I tend to look at is how old each of you are as well.","start":473.27,"end":477.99,"sentiment":"neutral","sentiment_score":-0.012162512517534196},{"text":"So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or","start":477.99,"end":490.565,"sentiment":"neutral","sentiment_score":0.005039362743010987}],"sentiment":"neutral","sentiment_score":0.0006001691273864239,"channel":0,"num_words":62,"start":473.27,"end":490.565},{"sentences":[{"text":"Alright.","start":490.5,"end":490.98,"sentiment":"neutral","sentiment_score":0.008849987760186195}],"sentiment":"neutral","sentiment_score":0.008849987760186195,"channel":1,"num_words":1,"start":490.5,"end":490.98},{"sentences":[{"text":"whether you","start":490.565,"end":491.125,"sentiment":"neutral","sentiment_score":0.0043370286002755165}],"sentiment":"neutral","sentiment_score":0.0043370286002755165,"channel":0,"num_words":2,"start":490.565,"end":491.125},{"sentences":[{"text":"Yeah.","start":490.98,"end":491.14,"sentiment":"neutral","sentiment_score":0.005817347206175327}],"sentiment":"neutral","sentiment_score":0.005817347206175327,"channel":1,"num_words":1,"start":490.98,"end":491.14},{"sentences":[{"text":"hold","start":491.125,"end":491.445,"sentiment":"neutral","sentiment_score":0.00482570193707943}],"sentiment":"neutral","sentiment_score":0.00482570193707943,"channel":0,"num_words":1,"start":491.125,"end":491.445},{"sentences":[{"text":"Well,","start":491.14,"end":491.64,"sentiment":"neutral","sentiment_score":0.0028201276436448097}],"sentiment":"neutral","sentiment_score":0.0028201276436448097,"channel":1,"num_words":1,"start":491.14,"end":491.64},{"sentences":[{"text":"off.","start":491.445,"end":491.925,"sentiment":"neutral","sentiment_score":0.005342027638107538},{"text":"So Yeah.","start":491.925,"end":493.065,"sentiment":"neutral","sentiment_score":0.016543300822377205}],"sentiment":"neutral","sentiment_score":0.012809543094287315,"channel":0,"num_words":3,"start":491.445,"end":493.065},{"sentences":[{"text":"six thirty six.","start":493.14,"end":495.64,"sentiment":"neutral","sentiment_score":0.014132725074887276}],"sentiment":"neutral","sentiment_score":0.014132725074887276,"channel":1,"num_words":3,"start":493.14,"end":495.64},{"sentences":[{"text":"Spring chicken.","start":498.245,"end":499.225,"sentiment":"neutral","sentiment_score":0.025998004712164402},{"text":"Do you think she's gonna wanna kinda retire at the same time as you or earlier?","start":503.22,"end":507.38,"sentiment":"neutral","sentiment_score":0.032065422274172306},{"text":"Do you think she'll probably work?","start":507.38,"end":508.92,"sentiment":"neutral","sentiment_score":0.007268067604551713}],"sentiment":"neutral","sentiment_score":0.02536046547659983,"channel":0,"num_words":24,"start":498.245,"end":508.92},{"sentences":[{"text":"Yes.","start":509.85498,"end":510.35498,"sentiment":"neutral","sentiment_score":0.0505448654294014}],"sentiment":"neutral","sentiment_score":0.0505448654294014,"channel":1,"num_words":1,"start":509.85498,"end":510.35498},{"sentences":[{"text":"Yeah.","start":514.165,"end":514.665,"sentiment":"neutral","sentiment_score":0.03932061791419983}],"sentiment":"neutral","sentiment_score":0.03932061791419983,"channel":0,"num_words":1,"start":514.165,"end":514.665},{"sentences":[{"text":"Possibly, we'll see how she goes.","start":514.82,"end":516.5,"sentiment":"neutral","sentiment_score":-0.005850213424613078},{"text":"I I just yeah.","start":516.5,"end":518.68005,"sentiment":"neutral","sentiment_score":-0.08836867474019527},{"text":"I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me.","start":519.54004,"end":525.96,"sentiment":"neutral","sentiment_score":-0.19332002960145472},{"text":"But","start":526.385,"end":526.885,"sentiment":"neutral","sentiment_score":0.00558045506477356}],"sentiment":"neutral","sentiment_score":-0.13707729407976713,"channel":1,"num_words":31,"start":514.82,"end":526.885},{"sentences":[{"text":"Oh, absolutely.","start":526.565,"end":527.315,"sentiment":"neutral","sentiment_score":0.04949006997048855},{"text":"Abs","start":529.08,"end":529.56,"sentiment":"neutral","sentiment_score":0.005205757915973663}],"sentiment":"neutral","sentiment_score":0.03472863261898359,"channel":0,"num_words":3,"start":526.565,"end":529.56},{"sentences":[{"text":"yeah.","start":529.905,"end":530.405,"sentiment":"neutral","sentiment_score":0.05939599871635437},{"text":"It would be nice if we could both retire at the same time, I guess.","start":531.905,"end":535.285,"sentiment":"neutral","sentiment_score":0.13434972191850345}],"sentiment":"neutral","sentiment_score":0.12966511421836913,"channel":1,"num_words":16,"start":529.905,"end":535.285},{"sentences":[{"text":"mhmm.","start":535.16003,"end":535.32,"sentiment":"neutral","sentiment_score":0.016602501273155212},{"text":"Yep.","start":535.32,"end":535.8,"sentiment":"neutral","sentiment_score":0.0634952038526535},{"text":"Yep.","start":535.8,"end":536.2,"sentiment":"neutral","sentiment_score":0.13031810522079468},{"text":"Absolutely.","start":536.2,"end":536.7,"sentiment":"positive","sentiment_score":0.4663739800453186},{"text":"Perfect.","start":537.24,"end":537.74,"sentiment":"positive","sentiment_score":0.622364342212677}],"sentiment":"neutral","sentiment_score":0.2598308265209198,"channel":0,"num_words":5,"start":535.16003,"end":537.74},{"sentences":[{"text":"And are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy","start":538.52,"end":547.415,"sentiment":"neutral","sentiment_score":0.18585480727029569}],"sentiment":"neutral","sentiment_score":0.18585480727029569,"channel":0,"num_words":33,"start":538.52,"end":547.415},{"sentences":[{"text":"If","start":547.25,"end":547.57,"sentiment":"neutral","sentiment_score":0.0940106213092804}],"sentiment":"neutral","sentiment_score":0.0940106213092804,"channel":1,"num_words":1,"start":547.25,"end":547.57},{"sentences":[{"text":"in","start":547.415,"end":547.57495,"sentiment":"neutral","sentiment_score":0.03404952585697174}],"sentiment":"neutral","sentiment_score":0.03404952585697174,"channel":0,"num_words":1,"start":547.415,"end":547.57495},{"sentences":[{"text":"I","start":547.57,"end":547.73,"sentiment":"neutral","sentiment_score":0.07506634294986725}],"sentiment":"neutral","sentiment_score":0.07506634294986725,"channel":1,"num_words":1,"start":547.57,"end":547.73},{"sentences":[{"text":"your","start":547.57495,"end":547.735,"sentiment":"neutral","sentiment_score":0.06330478191375732}],"sentiment":"neutral","sentiment_score":0.06330478191375732,"channel":0,"num_words":1,"start":547.57495,"end":547.735},{"sentences":[{"text":"could","start":547.73,"end":547.97,"sentiment":"neutral","sentiment_score":0.0947067141532898}],"sentiment":"neutral","sentiment_score":0.0947067141532898,"channel":1,"num_words":1,"start":547.73,"end":547.97},{"sentences":[{"text":"job?","start":547.735,"end":548.235,"sentiment":"neutral","sentiment_score":0.08914357423782349},{"text":"Yeah?","start":548.855,"end":549.355,"sentiment":"neutral","sentiment_score":0.06779734790325165}],"sentiment":"neutral","sentiment_score":0.07847046107053757,"channel":0,"num_words":2,"start":547.735,"end":549.355},{"sentences":[{"text":"yeah.","start":548.93,"end":549.17,"sentiment":"neutral","sentiment_score":0.06066243723034859},{"text":"If I could.","start":549.17,"end":550.14996,"sentiment":"neutral","sentiment_score":0.07191838199893634},{"text":"Yeah.","start":552.285,"end":552.685,"sentiment":"neutral","sentiment_score":0.03976770490407944},{"text":"Unless I win a lotto or something, but yeah.","start":552.685,"end":555.505,"sentiment":"neutral","sentiment_score":-0.023267738935020234},{"text":"Looks yeah.","start":557.165,"end":557.885,"sentiment":"neutral","sentiment_score":0.05748316831886768}],"sentiment":"neutral","sentiment_score":0.013858873397111893,"channel":1,"num_words":16,"start":548.93,"end":557.885},{"sentences":[{"text":"Say the 60.","start":557.885,"end":558.785,"sentiment":"neutral","sentiment_score":0.0555357870956262}],"sentiment":"neutral","sentiment_score":0.0555357870956262,"channel":1,"num_words":3,"start":557.885,"end":558.785},{"sentences":[{"text":"Yep.","start":559.58997,"end":560.08997,"sentiment":"neutral","sentiment_score":0.15403300523757937},{"text":"Perfect.","start":560.14996,"end":560.64996,"sentiment":"positive","sentiment_score":0.5480000376701355},{"text":"Beautiful.","start":561.35,"end":561.85,"sentiment":"positive","sentiment_score":0.6381713151931763},{"text":"I'll just sorta note that down there for you.","start":562.07,"end":563.91,"sentiment":"positive","sentiment_score":0.3378845916854011},{"text":"Fantastic.","start":563.91,"end":564.41,"sentiment":"positive","sentiment_score":0.3572647273540497}],"sentiment":"positive","sentiment_score":0.36449464697104234,"channel":0,"num_words":13,"start":559.58997,"end":564.41},{"sentences":[{"text":"Sorry.","start":566.165,"end":566.565,"sentiment":"neutral","sentiment_score":0.046935223042964935},{"text":"And just sorry.","start":566.565,"end":571.045,"sentiment":"neutral","sentiment_score":0.0005217070380846659},{"text":"The other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build?","start":571.045,"end":577.685,"sentiment":"neutral","sentiment_score":0.06322057323594546},{"text":"Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income?","start":577.685,"end":591.48004,"sentiment":"neutral","sentiment_score":0.06917746782302857},{"text":"Do you have any idea of how have you thought about","start":591.48004,"end":593.805,"sentiment":"neutral","sentiment_score":-0.043619834733280266}],"sentiment":"neutral","sentiment_score":0.05171225720303173,"channel":0,"num_words":94,"start":566.165,"end":593.805},{"sentences":[{"text":"No.","start":594.47504,"end":594.875,"sentiment":"neutral","sentiment_score":-0.14327551424503326},{"text":"I haven't.","start":594.875,"end":595.53503,"sentiment":"neutral","sentiment_score":-0.17499493807554245}],"sentiment":"neutral","sentiment_score":-0.16442179679870605,"channel":1,"num_words":3,"start":594.47504,"end":595.53503},{"sentences":[{"text":"Sorry.","start":596.52496,"end":596.925,"sentiment":"neutral","sentiment_score":-0.02192142978310585},{"text":"I'm gonna ask all the questions you've never","start":596.925,"end":598.52496,"sentiment":"neutral","sentiment_score":-0.00031985563691705465}],"sentiment":"neutral","sentiment_score":-0.002720030542049143,"channel":0,"num_words":9,"start":596.52496,"end":598.52496},{"sentences":[{"text":"Yeah.","start":598.47003,"end":598.87,"sentiment":"neutral","sentiment_score":-0.008349256590008736}],"sentiment":"neutral","sentiment_score":-0.008349256590008736,"channel":1,"num_words":1,"start":598.47003,"end":598.87},{"sentences":[{"text":"thought about","start":598.52496,"end":599.165,"sentiment":"neutral","sentiment_score":-0.012328193057328463}],"sentiment":"neutral","sentiment_score":-0.012328193057328463,"channel":0,"num_words":2,"start":598.52496,"end":599.165},{"sentences":[{"text":"No.","start":598.87,"end":599.37,"sentiment":"neutral","sentiment_score":-0.04981854557991028}],"sentiment":"neutral","sentiment_score":-0.04981854557991028,"channel":1,"num_words":1,"start":598.87,"end":599.37},{"sentences":[{"text":"answering.","start":599.165,"end":599.665,"sentiment":"neutral","sentiment_score":-0.02614673599600792}],"sentiment":"neutral","sentiment_score":-0.02614673599600792,"channel":0,"num_words":1,"start":599.165,"end":599.665},{"sentences":[{"text":"But I do have I do have three boys and, you know, I have one girl that's still in school, but","start":599.59,"end":607.61005,"sentiment":"neutral","sentiment_score":0.02604150851922376}],"sentiment":"neutral","sentiment_score":0.02604150851922376,"channel":1,"num_words":21,"start":599.59,"end":607.61005},{"sentences":[{"text":"Yep.","start":607.725,"end":608.225,"sentiment":"neutral","sentiment_score":0.10298844426870346}],"sentiment":"neutral","sentiment_score":0.10298844426870346,"channel":0,"num_words":1,"start":607.725,"end":608.225},{"sentences":[{"text":"they","start":608.32495,"end":608.40497,"sentiment":"neutral","sentiment_score":0.1917749047279358}],"sentiment":"neutral","sentiment_score":0.1917749047279358,"channel":1,"num_words":1,"start":608.32495,"end":608.40497},{"sentences":[{"text":"Yep.","start":608.365,"end":608.865,"sentiment":"neutral","sentiment_score":0.2741159200668335}],"sentiment":"neutral","sentiment_score":0.2741159200668335,"channel":0,"num_words":1,"start":608.365,"end":608.865},{"sentences":[{"text":"will have fun.","start":608.40497,"end":609.045,"sentiment":"positive","sentiment_score":0.4430057605107625},{"text":"Maybe one of them wants to give it a go.","start":609.045,"end":613.305,"sentiment":"neutral","sentiment_score":0.2247958943247795}],"sentiment":"neutral","sentiment_score":0.2751520172907756,"channel":1,"num_words":13,"start":608.40497,"end":613.305},{"sentences":[{"text":"Yeah.","start":613.67004,"end":613.99005,"sentiment":"neutral","sentiment_score":0.30827587842941284},{"text":"Beautiful.","start":613.99005,"end":614.49005,"sentiment":"positive","sentiment_score":0.6674489974975586},{"text":"So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the","start":614.63,"end":619.59,"sentiment":"positive","sentiment_score":0.353361662891176}],"sentiment":"positive","sentiment_score":0.36681174039840697,"channel":0,"num_words":20,"start":613.67004,"end":619.59},{"sentences":[{"text":"Yeah.","start":619.52496,"end":620.02496,"sentiment":"neutral","sentiment_score":0.19721350073814392}],"sentiment":"neutral","sentiment_score":0.19721350073814392,"channel":1,"num_words":1,"start":619.52496,"end":620.02496},{"sentences":[{"text":"business in the family.","start":619.59,"end":620.73004,"sentiment":"neutral","sentiment_score":0.22750048711895943},{"text":"Yep.","start":620.87006,"end":621.285,"sentiment":"neutral","sentiment_score":0.12782180309295654}],"sentiment":"neutral","sentiment_score":0.20756475031375884,"channel":0,"num_words":5,"start":619.59,"end":621.285},{"sentences":[{"text":"Yeah.","start":621.285,"end":621.52496,"sentiment":"neutral","sentiment_score":0.1481984555721283},{"text":"That's right.","start":621.52496,"end":622.50494,"sentiment":"neutral","sentiment_score":0.19253817200660706}],"sentiment":"neutral","sentiment_score":0.17775826652844748,"channel":1,"num_words":3,"start":621.285,"end":622.50494},{"sentences":[{"text":"Yeah.","start":623.045,"end":623.44495,"sentiment":"neutral","sentiment_score":0.29514190554618835},{"text":"Beautiful.","start":623.44495,"end":623.94495,"sentiment":"positive","sentiment_score":0.5679812431335449},{"text":"Well, hopefully, one of them wants to take on that.","start":624.485,"end":626.805,"sentiment":"neutral","sentiment_score":0.286786749958992},{"text":"That would be fantastic to see everything you've built and worked so hard for continues for them.","start":626.805,"end":632.02496,"sentiment":"positive","sentiment_score":0.7106959188685698}],"sentiment":"positive","sentiment_score":0.5452696989322531,"channel":0,"num_words":29,"start":623.045,"end":632.02496},{"sentences":[{"text":"Yes.","start":632.63,"end":633.13,"sentiment":"neutral","sentiment_score":0.30283021926879883}],"sentiment":"neutral","sentiment_score":0.30283021926879883,"channel":1,"num_words":1,"start":632.63,"end":633.13},{"sentences":[{"text":"Yeah.","start":633.76495,"end":634.245,"sentiment":"positive","sentiment_score":0.3963604867458343},{"text":"Excellent.","start":634.245,"end":634.745,"sentiment":"positive","sentiment_score":0.6129106283187866},{"text":"Lovely.","start":635.045,"end":635.545,"sentiment":"positive","sentiment_score":0.5389422178268433},{"text":"The next document you'll see in there oh, sorry.","start":636.23,"end":638.47,"sentiment":"neutral","sentiment_score":0.06482462833325069},{"text":"The one before we were looking at with your super balance, it also has your insurances attached there.","start":638.47,"end":643.52997,"sentiment":"neutral","sentiment_score":0.034428941603336066}],"sentiment":"neutral","sentiment_score":0.09171186455835899,"channel":0,"num_words":30,"start":633.76495,"end":643.52997},{"sentences":[{"text":"So now with","start":643.67,"end":644.38995,"sentiment":"neutral","sentiment_score":0.036386522154013314}],"sentiment":"neutral","sentiment_score":0.036386522154013314,"channel":0,"num_words":3,"start":643.67,"end":644.38995},{"sentences":[{"text":"Yep.","start":644.175,"end":644.675,"sentiment":"neutral","sentiment_score":0.034258827567100525}],"sentiment":"neutral","sentiment_score":0.034258827567100525,"channel":1,"num_words":1,"start":644.175,"end":644.675},{"sentences":[{"text":"your insurance cover, you've got your life and your total permanent disability cover.","start":644.38995,"end":648.62994,"sentiment":"neutral","sentiment_score":0.05485589916889484},{"text":"So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745.","start":648.62994,"end":658.305,"sentiment":"neutral","sentiment_score":0.03867310109107118},{"text":"If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000.","start":659.165,"end":674.82996,"sentiment":"neutral","sentiment_score":0.08535800713959128},{"text":"In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover?","start":675.52997,"end":682.885,"sentiment":"neutral","sentiment_score":0.019958756803985563}],"sentiment":"neutral","sentiment_score":0.054122937526905314,"channel":0,"num_words":106,"start":644.38995,"end":682.885},{"sentences":[{"text":"Oh, I wanted to pay out my mortgage.","start":684.55,"end":686.47003,"sentiment":"neutral","sentiment_score":0.03643854521214962},{"text":"I mean, missus","start":686.47003,"end":687.59,"sentiment":"neutral","sentiment_score":0.09307406346003215}],"sentiment":"neutral","sentiment_score":0.05188459564339031,"channel":1,"num_words":11,"start":684.55,"end":687.59},{"sentences":[{"text":"Yep.","start":687.185,"end":687.685,"sentiment":"neutral","sentiment_score":0.1282248497009277}],"sentiment":"neutral","sentiment_score":0.1282248497009277,"channel":0,"num_words":1,"start":687.185,"end":687.685},{"sentences":[{"text":"doesn't have to worry about the mortgage and the kids.","start":687.59,"end":690.17004,"sentiment":"neutral","sentiment_score":0.06917446479201317}],"sentiment":"neutral","sentiment_score":0.06917446479201317,"channel":1,"num_words":10,"start":687.59,"end":690.17004},{"sentences":[{"text":"Yep.","start":690.625,"end":691.125,"sentiment":"neutral","sentiment_score":0.05688845366239548}],"sentiment":"neutral","sentiment_score":0.05688845366239548,"channel":0,"num_words":1,"start":690.625,"end":691.125},{"sentences":[{"text":"And don't know, really.","start":690.71,"end":696.15,"sentiment":"neutral","sentiment_score":0.015020182356238365},{"text":"Maybe just this kid's school fees.","start":696.15,"end":698.07,"sentiment":"neutral","sentiment_score":-0.0018936562119051814},{"text":"Like, it's probably next year, it's gonna be about 65,000 a year.","start":698.07,"end":704.385,"sentiment":"neutral","sentiment_score":0.0139275254526486},{"text":"And then after once a girl goes into her school, it's probably gonna be up near the 75.","start":704.385,"end":710.16504,"sentiment":"neutral","sentiment_score":0.004748230567201972}],"sentiment":"neutral","sentiment_score":0.007532931194873527,"channel":1,"num_words":40,"start":690.71,"end":710.16504},{"sentences":[{"text":"Yeah.","start":710.76495,"end":711.165,"sentiment":"neutral","sentiment_score":0.021563954651355743},{"text":"Wow.","start":711.165,"end":711.665,"sentiment":"neutral","sentiment_score":0.015527348034083843}],"sentiment":"neutral","sentiment_score":0.018545651342719793,"channel":0,"num_words":2,"start":710.76495,"end":711.665},{"sentences":[{"text":"You know?","start":711.185,"end":711.66504,"sentiment":"neutral","sentiment_score":0.0034525785595178604},{"text":"So as long as it","start":711.66504,"end":712.54504,"sentiment":"neutral","sentiment_score":0.006982693821191788}],"sentiment":"neutral","sentiment_score":0.005974089460713523,"channel":1,"num_words":7,"start":711.185,"end":712.54504},{"sentences":[{"text":"Yeah.","start":712.52496,"end":713.02496,"sentiment":"neutral","sentiment_score":0.009122581221163273}],"sentiment":"neutral","sentiment_score":0.009122581221163273,"channel":0,"num_words":1,"start":712.52496,"end":713.02496},{"sentences":[{"text":"can cover their school fees.","start":712.54504,"end":714.085,"sentiment":"neutral","sentiment_score":0.003435881808400154}],"sentiment":"neutral","sentiment_score":0.003435881808400154,"channel":1,"num_words":5,"start":712.54504,"end":714.085},{"sentences":[{"text":"Yep.","start":714.605,"end":714.925,"sentiment":"neutral","sentiment_score":0.0040775081142783165},{"text":"Are they in private school?","start":714.925,"end":716.285,"sentiment":"neutral","sentiment_score":-0.009067533537745476},{"text":"Are they?","start":716.285,"end":716.76495,"sentiment":"neutral","sentiment_score":-0.009496212936937809},{"text":"Or","start":716.76495,"end":717.26495,"sentiment":"neutral","sentiment_score":-0.008197242394089699}],"sentiment":"neutral","sentiment_score":-0.007605536426934931,"channel":0,"num_words":9,"start":714.605,"end":717.26495},{"sentences":[{"text":"Yeah.","start":717.46,"end":717.86,"sentiment":"neutral","sentiment_score":-0.0027604885399341583},{"text":"They are.","start":717.86,"end":718.6,"sentiment":"neutral","sentiment_score":-0.007155979983508587}],"sentiment":"neutral","sentiment_score":-0.005690816168983777,"channel":1,"num_words":3,"start":717.46,"end":718.6},{"sentences":[{"text":"yeah.","start":718.925,"end":719.425,"sentiment":"neutral","sentiment_score":0.009192708879709244},{"text":"Yep.","start":719.485,"end":719.805,"sentiment":"neutral","sentiment_score":0.010277928784489632},{"text":"And with the mortgage, I had you owing about 500,000 on that.","start":719.805,"end":723.26,"sentiment":"neutral","sentiment_score":-0.016589908162131906},{"text":"What do you owe on the mortgage currently?","start":723.26,"end":725.04,"sentiment":"neutral","sentiment_score":-0.03625312843360007}],"sentiment":"neutral","sentiment_score":-0.021346967625008387,"channel":0,"num_words":22,"start":718.925,"end":725.04},{"sentences":[{"text":"I think it's, like, $4.85 or something.","start":726.02,"end":728.76,"sentiment":"neutral","sentiment_score":-0.020728320814669132}],"sentiment":"neutral","sentiment_score":-0.020728320814669132,"channel":1,"num_words":7,"start":726.02,"end":728.76},{"sentences":[{"text":"Okay.","start":729.89996,"end":730.38,"sentiment":"neutral","sentiment_score":0.04820845276117325},{"text":"So if we base it on 485,000.","start":730.38,"end":733.1,"sentiment":"neutral","sentiment_score":0.058395239391497204},{"text":"So as an example, if you were to pass away today, that $740,007.04 7 is paid out.","start":733.1,"end":739.625,"sentiment":"neutral","sentiment_score":0.03353379568194642},{"text":"It covers 485,000 of the mortgage.","start":739.625,"end":742.665,"sentiment":"neutral","sentiment_score":0.04655874582628409},{"text":"It leaves around about $255,007.47.","start":742.665,"end":746.84503,"sentiment":"neutral","sentiment_score":0.019742070883512496}],"sentiment":"neutral","sentiment_score":0.03903090234638916,"channel":0,"num_words":36,"start":729.89996,"end":746.84503},{"sentences":[{"text":"That could be paid less for your family there.","start":747.065,"end":749.645,"sentiment":"neutral","sentiment_score":0.02680875899063216},{"text":"Do you think that would be enough for them to sort of survive on for a bit longer?","start":751.13,"end":755.45,"sentiment":"neutral","sentiment_score":0.1869266074564722},{"text":"Would you wanna kinda review the life amount you have to boost the benefit?","start":755.45,"end":759.29004,"sentiment":"neutral","sentiment_score":0.20092974177428655},{"text":"How do you feel about that?","start":759.29004,"end":760.75,"sentiment":"neutral","sentiment_score":0.05647248153885206}],"sentiment":"neutral","sentiment_score":0.14378317104692154,"channel":0,"num_words":47,"start":747.065,"end":760.75},{"sentences":[{"text":"Oh, shit.","start":766.765,"end":768.16003,"sentiment":"negative","sentiment_score":-0.5336962342262268}],"sentiment":"negative","sentiment_score":-0.5336962342262268,"channel":1,"num_words":2,"start":766.765,"end":768.16003},{"sentences":[{"text":"Sorry.","start":768.26495,"end":768.76495,"sentiment":"negative","sentiment_score":-0.4396761655807495}],"sentiment":"negative","sentiment_score":-0.4396761655807495,"channel":0,"num_words":1,"start":768.26495,"end":768.76495},{"sentences":[{"text":"No.","start":769.9,"end":770.38,"sentiment":"negative","sentiment_score":-0.4265214800834656},{"text":"It probably would be, I guess.","start":770.38,"end":772.4,"sentiment":"negative","sentiment_score":-0.36554161210854846},{"text":"If I they'd probably downsize the house anyway if I","start":772.54004,"end":777.36005,"sentiment":"neutral","sentiment_score":-0.2787370100617409}],"sentiment":"neutral","sentiment_score":-0.31806713255012736,"channel":1,"num_words":17,"start":769.9,"end":777.36005},{"sentences":[{"text":"Yep.","start":776.90497,"end":777.3,"sentiment":"neutral","sentiment_score":-0.10620266199111938}],"sentiment":"neutral","sentiment_score":-0.10620266199111938,"channel":0,"num_words":1,"start":776.90497,"end":777.3},{"sentences":[{"text":"you know?","start":777.98004,"end":778.54004,"sentiment":"neutral","sentiment_score":-0.09058182314038277},{"text":"So I'd","start":778.54004,"end":779.60004,"sentiment":"neutral","sentiment_score":-0.033377259969711304}],"sentiment":"neutral","sentiment_score":-0.061979541555047035,"channel":1,"num_words":4,"start":777.98004,"end":779.60004},{"sentences":[{"text":"Yep.","start":779.14,"end":779.64,"sentiment":"neutral","sentiment_score":-0.02399427816271782}],"sentiment":"neutral","sentiment_score":-0.02399427816271782,"channel":0,"num_words":1,"start":779.14,"end":779.64},{"sentences":[{"text":"say that house is probably currently maybe worth 1.67.","start":779.66003,"end":786.33496,"sentiment":"neutral","sentiment_score":-0.0669173068470425},{"text":"You know?","start":786.555,"end":787.21497,"sentiment":"neutral","sentiment_score":-0.041575461626052856}],"sentiment":"neutral","sentiment_score":-0.06230969862504439,"channel":1,"num_words":11,"start":779.66003,"end":787.21497},{"sentences":[{"text":"Mhmm.","start":786.82,"end":787.32,"sentiment":"neutral","sentiment_score":-0.024383658543229103},{"text":"Yep.","start":787.86,"end":788.36,"sentiment":"neutral","sentiment_score":0.003215799806639552}],"sentiment":"neutral","sentiment_score":-0.010583929368294775,"channel":0,"num_words":2,"start":786.82,"end":788.36},{"sentences":[{"text":"If we were to sell it tomorrow, depending on what Elbow does with their house prices.","start":788.475,"end":793.935,"sentiment":"neutral","sentiment_score":-0.07594393519684672},{"text":"But the I probably would I'll be would be looking at, you know, so that I think it'd be right.","start":793.995,"end":800.39,"sentiment":"neutral","sentiment_score":-0.036848100973293184},{"text":"The","start":800.85004,"end":801.09,"sentiment":"neutral","sentiment_score":0.04613927751779556}],"sentiment":"neutral","sentiment_score":-0.05151150554317881,"channel":1,"num_words":37,"start":788.475,"end":801.09},{"sentences":[{"text":"Yep.","start":800.995,"end":801.315,"sentiment":"neutral","sentiment_score":0.04172908887267113}],"sentiment":"neutral","sentiment_score":0.04172908887267113,"channel":0,"num_words":1,"start":800.995,"end":801.315},{"sentences":[{"text":"5","start":801.09,"end":801.33,"sentiment":"neutral","sentiment_score":0.045982472598552704}],"sentiment":"neutral","sentiment_score":0.045982472598552704,"channel":1,"num_words":1,"start":801.09,"end":801.33},{"sentences":[{"text":"That's","start":801.315,"end":801.555,"sentiment":"neutral","sentiment_score":0.05635378882288933}],"sentiment":"neutral","sentiment_score":0.05635378882288933,"channel":0,"num_words":1,"start":801.315,"end":801.555},{"sentences":[{"text":"100.","start":801.33,"end":801.65,"sentiment":"neutral","sentiment_score":0.05212071165442467}],"sentiment":"neutral","sentiment_score":0.05212071165442467,"channel":1,"num_words":1,"start":801.33,"end":801.65},{"sentences":[{"text":"it.","start":801.555,"end":802.055,"sentiment":"neutral","sentiment_score":0.038389839231967926}],"sentiment":"neutral","sentiment_score":0.038389839231967926,"channel":0,"num_words":1,"start":801.555,"end":802.055},{"sentences":[{"text":"Is it 500","start":801.65,"end":802.61005,"sentiment":"neutral","sentiment_score":0.0376619187494119}],"sentiment":"neutral","sentiment_score":0.0376619187494119,"channel":1,"num_words":3,"start":801.65,"end":802.61005},{"sentences":[{"text":"Yeah.","start":802.51495,"end":803.01495,"sentiment":"neutral","sentiment_score":0.04217096418142319}],"sentiment":"neutral","sentiment_score":0.04217096418142319,"channel":0,"num_words":1,"start":802.51495,"end":803.01495},{"sentences":[{"text":"for the life insurance?","start":802.61005,"end":803.75,"sentiment":"neutral","sentiment_score":0.04570485092699528}],"sentiment":"neutral","sentiment_score":0.04570485092699528,"channel":1,"num_words":4,"start":802.61005,"end":803.75},{"sentences":[{"text":"Yeah.","start":805.71497,"end":806.21497,"sentiment":"neutral","sentiment_score":0.05039016529917717},{"text":"Yeah.","start":806.355,"end":806.855,"sentiment":"neutral","sentiment_score":0.052610501646995544},{"text":"5","start":807.02,"end":807.26,"sentiment":"neutral","sentiment_score":0.04056624695658684}],"sentiment":"neutral","sentiment_score":0.04785563796758652,"channel":0,"num_words":3,"start":805.71497,"end":807.26},{"sentences":[{"text":"Yeah.","start":807.17004,"end":807.67004,"sentiment":"neutral","sentiment_score":0.04560883343219757}],"sentiment":"neutral","sentiment_score":0.04560883343219757,"channel":1,"num_words":1,"start":807.17004,"end":807.67004},{"sentences":[{"text":"193 and then an extra 147, which is your super balance","start":807.26,"end":811.74,"sentiment":"neutral","sentiment_score":0.06792988526550206}],"sentiment":"neutral","sentiment_score":0.06792988526550206,"channel":0,"num_words":11,"start":807.26,"end":811.74},{"sentences":[{"text":"3","start":811.60504,"end":812.10504,"sentiment":"neutral","sentiment_score":0.08718164265155792}],"sentiment":"neutral","sentiment_score":0.08718164265155792,"channel":1,"num_words":1,"start":811.60504,"end":812.10504},{"sentences":[{"text":"paid out as well.","start":811.74,"end":812.96,"sentiment":"neutral","sentiment_score":0.07922709919512272},{"text":"Yeah.","start":813.1,"end":813.58,"sentiment":"neutral","sentiment_score":0.06659144163131714},{"text":"Yeah.","start":813.58,"end":814.08,"sentiment":"neutral","sentiment_score":0.07978765666484833},{"text":"That's okay.","start":814.94,"end":815.82,"sentiment":"neutral","sentiment_score":0.13504260033369064},{"text":"If you if you want, you","start":815.82,"end":817.02,"sentiment":"neutral","sentiment_score":0.05788661912083626}],"sentiment":"neutral","sentiment_score":0.07719231503350395,"channel":0,"num_words":14,"start":811.74,"end":817.02},{"sentences":[{"text":"5.","start":816.965,"end":817.205,"sentiment":"neutral","sentiment_score":0.07160491496324539}],"sentiment":"neutral","sentiment_score":0.07160491496324539,"channel":1,"num_words":1,"start":816.965,"end":817.205},{"sentences":[{"text":"can","start":817.02,"end":817.26,"sentiment":"neutral","sentiment_score":0.03730040788650513}],"sentiment":"neutral","sentiment_score":0.03730040788650513,"channel":0,"num_words":1,"start":817.02,"end":817.26},{"sentences":[{"text":"What","start":817.205,"end":817.365,"sentiment":"neutral","sentiment_score":0.020674750208854675}],"sentiment":"neutral","sentiment_score":0.020674750208854675,"channel":1,"num_words":1,"start":817.205,"end":817.365},{"sentences":[{"text":"always","start":817.26,"end":817.76,"sentiment":"neutral","sentiment_score":0.024391505867242813}],"sentiment":"neutral","sentiment_score":0.024391505867242813,"channel":0,"num_words":1,"start":817.26,"end":817.76},{"sentences":[{"text":"is it","start":817.365,"end":817.84503,"sentiment":"neutral","sentiment_score":0.010698933154344559}],"sentiment":"neutral","sentiment_score":0.010698933154344559,"channel":1,"num_words":2,"start":817.365,"end":817.84503},{"sentences":[{"text":"sit","start":817.82,"end":818.06,"sentiment":"neutral","sentiment_score":0.03771941363811493}],"sentiment":"neutral","sentiment_score":0.03771941363811493,"channel":0,"num_words":1,"start":817.82,"end":818.06},{"sentences":[{"text":"what is","start":817.84503,"end":818.16504,"sentiment":"neutral","sentiment_score":-0.0033026542514562607}],"sentiment":"neutral","sentiment_score":-0.0033026542514562607,"channel":1,"num_words":2,"start":817.84503,"end":818.16504},{"sentences":[{"text":"on","start":818.06,"end":818.22003,"sentiment":"neutral","sentiment_score":8.169561624526978e-6}],"sentiment":"neutral","sentiment_score":8.169561624526978e-6,"channel":0,"num_words":1,"start":818.06,"end":818.22003},{"sentences":[{"text":"it","start":818.16504,"end":818.48505,"sentiment":"neutral","sentiment_score":-0.0002776198089122772}],"sentiment":"neutral","sentiment_score":-0.0002776198089122772,"channel":1,"num_words":1,"start":818.16504,"end":818.48505},{"sentences":[{"text":"that for the","start":818.22003,"end":818.7,"sentiment":"neutral","sentiment_score":-0.017669447387258213}],"sentiment":"neutral","sentiment_score":-0.017669447387258213,"channel":0,"num_words":3,"start":818.22003,"end":818.7},{"sentences":[{"text":"what","start":818.48505,"end":818.72504,"sentiment":"neutral","sentiment_score":-0.011699521914124489}],"sentiment":"neutral","sentiment_score":-0.011699521914124489,"channel":1,"num_words":1,"start":818.48505,"end":818.72504},{"sentences":[{"text":"moi.","start":818.7,"end":819.2,"sentiment":"neutral","sentiment_score":-0.00837605819106102}],"sentiment":"neutral","sentiment_score":-0.00837605819106102,"channel":0,"num_words":1,"start":818.7,"end":819.2},{"sentences":[{"text":"is it","start":818.72504,"end":819.385,"sentiment":"neutral","sentiment_score":-0.03232086729258299}],"sentiment":"neutral","sentiment_score":-0.03232086729258299,"channel":1,"num_words":2,"start":818.72504,"end":819.385},{"sentences":[{"text":"Sorry.","start":819.225,"end":819.725,"sentiment":"neutral","sentiment_score":-0.08669517934322357}],"sentiment":"neutral","sentiment_score":-0.08669517934322357,"channel":0,"num_words":1,"start":819.225,"end":819.725},{"sentences":[{"text":"what is it change by check putting it up at that higher bracket?","start":819.765,"end":823.365,"sentiment":"neutral","sentiment_score":-0.07107857041634046},{"text":"Is it just a higher fee?","start":823.365,"end":824.905,"sentiment":"neutral","sentiment_score":-0.09305188804864883}],"sentiment":"neutral","sentiment_score":-0.07801751282654311,"channel":1,"num_words":19,"start":819.765,"end":824.905},{"sentences":[{"text":"It does increase the cost of it.","start":825.785,"end":827.625,"sentiment":"neutral","sentiment_score":-0.1460349570427622},{"text":"I can jump into the insurer and have a quick look for you.","start":827.625,"end":831.38495,"sentiment":"neutral","sentiment_score":0.003933392178553801},{"text":"If you want, we can sort of assess and look at what the cost difference might be.","start":831.38495,"end":836.2,"sentiment":"neutral","sentiment_score":-0.008138022659456028},{"text":"Two","start":837.22003,"end":837.72003,"sentiment":"neutral","sentiment_score":-0.04055831953883171}],"sentiment":"neutral","sentiment_score":-0.03026356067704527,"channel":0,"num_words":38,"start":825.785,"end":837.72003},{"sentences":[{"text":"Yeah.","start":837.48,"end":837.98,"sentiment":"neutral","sentiment_score":-0.030727919191122055}],"sentiment":"neutral","sentiment_score":-0.030727919191122055,"channel":1,"num_words":1,"start":837.48,"end":837.98},{"sentences":[{"text":"seconds.","start":837.94,"end":838.44,"sentiment":"neutral","sentiment_score":-0.03623469918966293}],"sentiment":"neutral","sentiment_score":-0.03623469918966293,"channel":0,"num_words":1,"start":837.94,"end":838.44},{"sentences":[{"text":"Because I'm busy.","start":838.12,"end":839.24,"sentiment":"neutral","sentiment_score":-0.19310198724269867},{"text":"I'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and","start":839.24,"end":849.635,"sentiment":"neutral","sentiment_score":-0.22906563333843066}],"sentiment":"neutral","sentiment_score":-0.2249159818658462,"channel":1,"num_words":26,"start":838.12,"end":849.635},{"sentences":[{"text":"Yeah.","start":850.59503,"end":851.09503,"sentiment":"neutral","sentiment_score":-0.07176388055086136}],"sentiment":"neutral","sentiment_score":-0.07176388055086136,"channel":0,"num_words":1,"start":850.59503,"end":851.09503},{"sentences":[{"text":"but I think it'd be good to see before I get then I can compare with the other companies.","start":850.73505,"end":855.69,"sentiment":"neutral","sentiment_score":-0.05156006566003749},{"text":"Because I think I'm with me or Susan or Nei or","start":855.69,"end":858.01,"sentiment":"neutral","sentiment_score":-0.011258903467519716}],"sentiment":"neutral","sentiment_score":-0.03678297285611431,"channel":1,"num_words":30,"start":850.73505,"end":858.01},{"sentences":[{"text":"Yeah.","start":858.74,"end":859.24,"sentiment":"neutral","sentiment_score":0.0022203009575605392},{"text":"Neos is the insurer.","start":859.3,"end":860.6,"sentiment":"neutral","sentiment_score":0.0002124952152371411},{"text":"Absolutely.","start":860.74,"end":861.24,"sentiment":"neutral","sentiment_score":0.03629585355520248},{"text":"Yeah.","start":862.18,"end":862.68,"sentiment":"neutral","sentiment_score":-0.005052080377936363}],"sentiment":"neutral","sentiment_score":0.004902007856539317,"channel":0,"num_words":7,"start":858.74,"end":862.68},{"sentences":[{"text":"I","start":862.61,"end":863.11,"sentiment":"neutral","sentiment_score":-0.05560147389769554}],"sentiment":"neutral","sentiment_score":-0.05560147389769554,"channel":1,"num_words":1,"start":862.61,"end":863.11},{"sentences":[{"text":"I'm just logging in.","start":862.74,"end":864.02,"sentiment":"neutral","sentiment_score":-0.0653914138674736},{"text":"Won't be one second.","start":864.02,"end":865.14,"sentiment":"neutral","sentiment_score":-0.1725621297955513},{"text":"So sorry.","start":865.14,"end":865.88,"sentiment":"neutral","sentiment_score":-0.07350555062294006}],"sentiment":"neutral","sentiment_score":-0.10988252758979797,"channel":0,"num_words":10,"start":862.74,"end":865.88},{"sentences":[{"text":"think I'm expecting","start":867.20996,"end":868.6,"sentiment":"neutral","sentiment_score":-0.04171465585629145}],"sentiment":"neutral","sentiment_score":-0.04171465585629145,"channel":1,"num_words":3,"start":867.20996,"end":868.6},{"sentences":[{"text":"Yeah.","start":872.895,"end":873.135,"sentiment":"neutral","sentiment_score":0.07581216841936111},{"text":"That's correct.","start":873.135,"end":874.11505,"sentiment":"neutral","sentiment_score":0.2260839119553566},{"text":"Yeah.","start":874.17505,"end":874.67505,"sentiment":"neutral","sentiment_score":0.09854092448949814},{"text":"Pardon me.","start":874.73505,"end":875.215,"sentiment":"neutral","sentiment_score":-0.07947192154824734},{"text":"And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3¢.","start":875.215,"end":894.75,"sentiment":"neutral","sentiment_score":-0.020394413922058076}],"sentiment":"neutral","sentiment_score":-0.009668167426504871,"channel":0,"num_words":56,"start":872.895,"end":894.75},{"sentences":[{"text":"So, realistically, for your agent stage and the level of cover you have, that is quite expensive.","start":894.75,"end":901.385,"sentiment":"negative","sentiment_score":-0.3882424603490269},{"text":"I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for","start":901.685,"end":910.245,"sentiment":"neutral","sentiment_score":-0.1480876007117331}],"sentiment":"neutral","sentiment_score":-0.24766400592719637,"channel":0,"num_words":41,"start":894.75,"end":910.245},{"sentences":[{"text":"Yeah.","start":910.22,"end":910.62,"sentiment":"neutral","sentiment_score":0.05683684721589088}],"sentiment":"neutral","sentiment_score":0.05683684721589088,"channel":1,"num_words":1,"start":910.22,"end":910.62},{"sentences":[{"text":"you to","start":910.245,"end":910.645,"sentiment":"neutral","sentiment_score":0.024805549532175064}],"sentiment":"neutral","sentiment_score":0.024805549532175064,"channel":0,"num_words":2,"start":910.245,"end":910.645},{"sentences":[{"text":"Because","start":910.62,"end":910.86,"sentiment":"neutral","sentiment_score":0.05167292058467865}],"sentiment":"neutral","sentiment_score":0.05167292058467865,"channel":1,"num_words":1,"start":910.62,"end":910.86},{"sentences":[{"text":"maybe","start":910.645,"end":911.045,"sentiment":"neutral","sentiment_score":0.017213746905326843}],"sentiment":"neutral","sentiment_score":0.017213746905326843,"channel":0,"num_words":1,"start":910.645,"end":911.045},{"sentences":[{"text":"that's","start":910.86,"end":911.18,"sentiment":"neutral","sentiment_score":0.016667228192090988}],"sentiment":"neutral","sentiment_score":0.016667228192090988,"channel":1,"num_words":1,"start":910.86,"end":911.18},{"sentences":[{"text":"give","start":911.045,"end":911.205,"sentiment":"neutral","sentiment_score":0.005218982696533203}],"sentiment":"neutral","sentiment_score":0.005218982696533203,"channel":0,"num_words":1,"start":911.045,"end":911.205},{"sentences":[{"text":"quite","start":911.18,"end":911.5,"sentiment":"neutral","sentiment_score":-0.03050921857357025}],"sentiment":"neutral","sentiment_score":-0.03050921857357025,"channel":1,"num_words":1,"start":911.18,"end":911.5},{"sentences":[{"text":"you more","start":911.205,"end":911.685,"sentiment":"neutral","sentiment_score":-0.01218598335981369}],"sentiment":"neutral","sentiment_score":-0.01218598335981369,"channel":0,"num_words":2,"start":911.205,"end":911.685},{"sentences":[{"text":"good.","start":911.5,"end":911.66,"sentiment":"neutral","sentiment_score":0.013882745057344437},{"text":"Yeah.","start":911.66,"end":912.16,"sentiment":"neutral","sentiment_score":-0.02260507084429264}],"sentiment":"neutral","sentiment_score":-0.004361162893474102,"channel":1,"num_words":2,"start":911.5,"end":912.16},{"sentences":[{"text":"cover.","start":911.685,"end":912.185,"sentiment":"neutral","sentiment_score":0.05601361766457558},{"text":"Absolutely.","start":913.03,"end":913.53,"sentiment":"neutral","sentiment_score":0.057209499180316925},{"text":"I mean, realistically,","start":913.67,"end":914.65,"sentiment":"neutral","sentiment_score":0.015301480113218227}],"sentiment":"neutral","sentiment_score":0.03182551143690944,"channel":0,"num_words":5,"start":911.685,"end":914.65},{"sentences":[{"text":"Yeah.","start":914.94,"end":915.25995,"sentiment":"neutral","sentiment_score":-0.029125120490789413}],"sentiment":"neutral","sentiment_score":-0.029125120490789413,"channel":1,"num_words":1,"start":914.94,"end":915.25995},{"sentences":[{"text":"when","start":915.11,"end":915.27,"sentiment":"neutral","sentiment_score":-0.05602550506591797}],"sentiment":"neutral","sentiment_score":-0.05602550506591797,"channel":0,"num_words":1,"start":915.11,"end":915.27},{"sentences":[{"text":"I","start":915.25995,"end":915.5,"sentiment":"neutral","sentiment_score":-0.02881333976984024}],"sentiment":"neutral","sentiment_score":-0.02881333976984024,"channel":1,"num_words":1,"start":915.25995,"end":915.5},{"sentences":[{"text":"you're","start":915.27,"end":915.51,"sentiment":"neutral","sentiment_score":-0.031467460095882416}],"sentiment":"neutral","sentiment_score":-0.031467460095882416,"channel":0,"num_words":1,"start":915.27,"end":915.51},{"sentences":[{"text":"should've","start":915.5,"end":915.74,"sentiment":"neutral","sentiment_score":-0.039840590208768845}],"sentiment":"neutral","sentiment_score":-0.039840590208768845,"channel":1,"num_words":1,"start":915.5,"end":915.74},{"sentences":[{"text":"sort of","start":915.51,"end":915.83,"sentiment":"neutral","sentiment_score":-0.04790673032402992}],"sentiment":"neutral","sentiment_score":-0.04790673032402992,"channel":0,"num_words":2,"start":915.51,"end":915.83},{"sentences":[{"text":"told","start":915.74,"end":915.98,"sentiment":"neutral","sentiment_score":-0.029816213995218277}],"sentiment":"neutral","sentiment_score":-0.029816213995218277,"channel":1,"num_words":1,"start":915.74,"end":915.98},{"sentences":[{"text":"in your","start":915.83,"end":916.23,"sentiment":"neutral","sentiment_score":-0.017538420855998993}],"sentiment":"neutral","sentiment_score":-0.017538420855998993,"channel":0,"num_words":2,"start":915.83,"end":916.23},{"sentences":[{"text":"that","start":915.98,"end":916.37994,"sentiment":"neutral","sentiment_score":-0.029865823686122894}],"sentiment":"neutral","sentiment_score":-0.029865823686122894,"channel":1,"num_words":1,"start":915.98,"end":916.37994},{"sentences":[{"text":"fifties","start":916.23,"end":916.73,"sentiment":"neutral","sentiment_score":-0.009788289666175842}],"sentiment":"neutral","sentiment_score":-0.009788289666175842,"channel":0,"num_words":1,"start":916.23,"end":916.73},{"sentences":[{"text":"a few longs ago.","start":916.37994,"end":917.51996,"sentiment":"neutral","sentiment_score":-0.003929932601749897}],"sentiment":"neutral","sentiment_score":-0.003929932601749897,"channel":1,"num_words":4,"start":916.37994,"end":917.51996},{"sentences":[{"text":"yeah.","start":917.99,"end":918.39,"sentiment":"neutral","sentiment_score":0.09802863001823424},{"text":"That's okay.","start":918.39,"end":919.03,"sentiment":"neutral","sentiment_score":0.08501556515693665},{"text":"So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher.","start":919.03,"end":924.01,"sentiment":"neutral","sentiment_score":-0.0971006140822456},{"text":"But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so.","start":924.47003,"end":930.695,"sentiment":"neutral","sentiment_score":-0.1497600322419947}],"sentiment":"neutral","sentiment_score":-0.11012551836345506,"channel":0,"num_words":46,"start":917.99,"end":930.695},{"sentences":[{"text":"Yeah.","start":930.355,"end":930.855,"sentiment":"neutral","sentiment_score":0.007846200838685036},{"text":"Hey.","start":930.995,"end":931.395,"sentiment":"neutral","sentiment_score":0.008649427443742752}],"sentiment":"neutral","sentiment_score":0.008247814141213894,"channel":1,"num_words":2,"start":930.355,"end":931.395},{"sentences":[{"text":"I'm","start":931.39496,"end":931.71497,"sentiment":"neutral","sentiment_score":0.010403667576611042}],"sentiment":"neutral","sentiment_score":0.010403667576611042,"channel":0,"num_words":1,"start":931.39496,"end":931.71497},{"sentences":[{"text":"Can I","start":931.395,"end":931.715,"sentiment":"neutral","sentiment_score":0.019100680947303772}],"sentiment":"neutral","sentiment_score":0.019100680947303772,"channel":1,"num_words":2,"start":931.395,"end":931.715},{"sentences":[{"text":"just","start":931.71497,"end":932.115,"sentiment":"neutral","sentiment_score":0.011462200433015823}],"sentiment":"neutral","sentiment_score":0.011462200433015823,"channel":0,"num_words":1,"start":931.71497,"end":932.115},{"sentences":[{"text":"just hurry up there for two seconds?","start":931.715,"end":933.555,"sentiment":"neutral","sentiment_score":0.00933428667485714},{"text":"Can","start":933.555,"end":933.715,"sentiment":"neutral","sentiment_score":0.015146346762776377}],"sentiment":"neutral","sentiment_score":0.010060794185847044,"channel":1,"num_words":8,"start":931.715,"end":933.715},{"sentences":[{"text":"yeah.","start":933.635,"end":934.035,"sentiment":"neutral","sentiment_score":0.006308656185865402}],"sentiment":"neutral","sentiment_score":0.006308656185865402,"channel":0,"num_words":1,"start":933.635,"end":934.035},{"sentences":[{"text":"I just","start":933.715,"end":934.115,"sentiment":"neutral","sentiment_score":0.002002251334488392}],"sentiment":"neutral","sentiment_score":0.002002251334488392,"channel":1,"num_words":2,"start":933.715,"end":934.115},{"sentences":[{"text":"Of","start":934.035,"end":934.195,"sentiment":"neutral","sentiment_score":-0.006343847140669823}],"sentiment":"neutral","sentiment_score":-0.006343847140669823,"channel":0,"num_words":1,"start":934.035,"end":934.195},{"sentences":[{"text":"answer","start":934.115,"end":934.355,"sentiment":"neutral","sentiment_score":0.0006457753479480743}],"sentiment":"neutral","sentiment_score":0.0006457753479480743,"channel":1,"num_words":1,"start":934.115,"end":934.355},{"sentences":[{"text":"course.","start":934.195,"end":934.695,"sentiment":"neutral","sentiment_score":0.0006595849990844727}],"sentiment":"neutral","sentiment_score":0.0006595849990844727,"channel":0,"num_words":1,"start":934.195,"end":934.695},{"sentences":[{"text":"this call?","start":934.355,"end":935.175,"sentiment":"neutral","sentiment_score":-0.0004771142266690731},{"text":"It's just","start":935.315,"end":936.03503,"sentiment":"neutral","sentiment_score":0.012273436412215233}],"sentiment":"neutral","sentiment_score":0.00589816109277308,"channel":1,"num_words":4,"start":934.355,"end":936.03503},{"sentences":[{"text":"Yeah.","start":935.71497,"end":936.21497,"sentiment":"neutral","sentiment_score":0.011253567412495611}],"sentiment":"neutral","sentiment_score":0.011253567412495611,"channel":0,"num_words":1,"start":935.71497,"end":936.21497},{"sentences":[{"text":"the message just in case something's happened.","start":936.03503,"end":938.615,"sentiment":"neutral","sentiment_score":-0.004998115024396351}],"sentiment":"neutral","sentiment_score":-0.004998115024396351,"channel":1,"num_words":7,"start":936.03503,"end":938.615},{"sentences":[{"text":"That's","start":938.915,"end":939.235,"sentiment":"neutral","sentiment_score":0.012220739386975763}],"sentiment":"neutral","sentiment_score":0.012220739386975763,"channel":0,"num_words":1,"start":938.915,"end":939.235},{"sentences":[{"text":"I'll give","start":939.1,"end":939.34,"sentiment":"neutral","sentiment_score":0.022036246489733458}],"sentiment":"neutral","sentiment_score":0.022036246489733458,"channel":1,"num_words":2,"start":939.1,"end":939.34},{"sentences":[{"text":"okay.","start":939.235,"end":939.555,"sentiment":"neutral","sentiment_score":0.01604636386036873}],"sentiment":"neutral","sentiment_score":0.01604636386036873,"channel":0,"num_words":1,"start":939.235,"end":939.555},{"sentences":[{"text":"you","start":939.34,"end":939.42,"sentiment":"neutral","sentiment_score":-0.015700384974479675}],"sentiment":"neutral","sentiment_score":-0.015700384974479675,"channel":1,"num_words":1,"start":939.34,"end":939.42},{"sentences":[{"text":"Did you want","start":939.555,"end":940.11,"sentiment":"neutral","sentiment_score":-0.0164788452287515}],"sentiment":"neutral","sentiment_score":-0.0164788452287515,"channel":0,"num_words":3,"start":939.555,"end":940.11},{"sentences":[{"text":"I'll bring back two seconds.","start":939.82,"end":941.18,"sentiment":"neutral","sentiment_score":-0.02507639303803444}],"sentiment":"neutral","sentiment_score":-0.02507639303803444,"channel":1,"num_words":5,"start":939.82,"end":941.18},{"sentences":[{"text":"me","start":941.14996,"end":941.31,"sentiment":"neutral","sentiment_score":-0.0969606265425682}],"sentiment":"neutral","sentiment_score":-0.0969606265425682,"channel":0,"num_words":1,"start":941.14996,"end":941.31},{"sentences":[{"text":"No.","start":941.18,"end":941.68,"sentiment":"neutral","sentiment_score":-0.09296240657567978}],"sentiment":"neutral","sentiment_score":-0.09296240657567978,"channel":1,"num_words":1,"start":941.18,"end":941.68},{"sentences":[{"text":"yeah.","start":941.47,"end":941.97,"sentiment":"neutral","sentiment_score":-0.06994982063770294}],"sentiment":"neutral","sentiment_score":-0.06994982063770294,"channel":0,"num_words":1,"start":941.47,"end":941.97},{"sentences":[{"text":"Oh, hang up now.","start":942.14,"end":943.12,"sentiment":"neutral","sentiment_score":-0.07775573432445526}],"sentiment":"neutral","sentiment_score":-0.07775573432445526,"channel":1,"num_words":4,"start":942.14,"end":943.12},{"sentences":[{"text":"You","start":943.47,"end":943.55,"sentiment":"neutral","sentiment_score":-0.034435536712408066}],"sentiment":"neutral","sentiment_score":-0.034435536712408066,"channel":0,"num_words":1,"start":943.47,"end":943.55},{"sentences":[{"text":"It's","start":943.5,"end":943.74,"sentiment":"neutral","sentiment_score":-0.037554558366537094}],"sentiment":"neutral","sentiment_score":-0.037554558366537094,"channel":1,"num_words":1,"start":943.5,"end":943.74},{"sentences":[{"text":"oh,","start":943.70996,"end":944.02997,"sentiment":"neutral","sentiment_score":-0.028742358088493347}],"sentiment":"neutral","sentiment_score":-0.028742358088493347,"channel":0,"num_words":1,"start":943.70996,"end":944.02997},{"sentences":[{"text":"just","start":943.74,"end":944.24,"sentiment":"neutral","sentiment_score":-0.025090891867876053}],"sentiment":"neutral","sentiment_score":-0.025090891867876053,"channel":1,"num_words":1,"start":943.74,"end":944.24},{"sentences":[{"text":"yeah.","start":944.02997,"end":944.52997,"sentiment":"neutral","sentiment_score":-0.06029460206627846}],"sentiment":"neutral","sentiment_score":-0.06029460206627846,"channel":0,"num_words":1,"start":944.02997,"end":944.52997},{"sentences":[{"text":"her mother got airlifted last night to the Toowoomba Hospital, very out west.","start":944.3,"end":948.32,"sentiment":"neutral","sentiment_score":-0.05841699815713442},{"text":"And so she's taken off early the in the hours of this morning, they're gonna be with them.","start":948.7,"end":953.92,"sentiment":"neutral","sentiment_score":-0.08670470863580704}],"sentiment":"neutral","sentiment_score":-0.07484212037055724,"channel":1,"num_words":31,"start":944.3,"end":953.92},{"sentences":[{"text":"I'm so sorry.","start":954.745,"end":955.465,"sentiment":"neutral","sentiment_score":-0.10712313155333202},{"text":"Did you wanna","start":955.465,"end":956.265,"sentiment":"neutral","sentiment_score":-0.0507703460752964}],"sentiment":"neutral","sentiment_score":-0.0789467388143142,"channel":0,"num_words":6,"start":954.745,"end":956.265},{"sentences":[{"text":"Yeah.","start":955.97504,"end":956.135,"sentiment":"neutral","sentiment_score":-0.021855659782886505},{"text":"Yeah.","start":956.135,"end":956.375,"sentiment":"neutral","sentiment_score":-0.029168181121349335}],"sentiment":"neutral","sentiment_score":-0.02551192045211792,"channel":1,"num_words":2,"start":955.97504,"end":956.375},{"sentences":[{"text":"hang","start":956.265,"end":956.505,"sentiment":"neutral","sentiment_score":-0.0519564263522625}],"sentiment":"neutral","sentiment_score":-0.0519564263522625,"channel":0,"num_words":1,"start":956.265,"end":956.505},{"sentences":[{"text":"No.","start":956.375,"end":956.615,"sentiment":"neutral","sentiment_score":-0.04000711441040039}],"sentiment":"neutral","sentiment_score":-0.04000711441040039,"channel":1,"num_words":1,"start":956.375,"end":956.615},{"sentences":[{"text":"up","start":956.505,"end":956.66504,"sentiment":"neutral","sentiment_score":0.044436998665332794}],"sentiment":"neutral","sentiment_score":0.044436998665332794,"channel":0,"num_words":1,"start":956.505,"end":956.66504},{"sentences":[{"text":"That's","start":956.615,"end":956.855,"sentiment":"neutral","sentiment_score":0.08372952789068222}],"sentiment":"neutral","sentiment_score":0.08372952789068222,"channel":1,"num_words":1,"start":956.615,"end":956.855},{"sentences":[{"text":"and make","start":956.66504,"end":957.065,"sentiment":"neutral","sentiment_score":0.0965225026011467}],"sentiment":"neutral","sentiment_score":0.0965225026011467,"channel":0,"num_words":2,"start":956.66504,"end":957.065},{"sentences":[{"text":"good.","start":956.855,"end":957.355,"sentiment":"neutral","sentiment_score":0.03240562230348587}],"sentiment":"neutral","sentiment_score":0.03240562230348587,"channel":1,"num_words":1,"start":956.855,"end":957.355},{"sentences":[{"text":"that phone call, and I can give you a callback in a minute?","start":957.065,"end":959.78503,"sentiment":"neutral","sentiment_score":-0.010850757360458374},{"text":"I don't","start":959.78503,"end":960.185,"sentiment":"neutral","sentiment_score":-0.06270357966423035}],"sentiment":"neutral","sentiment_score":-0.017764467000961303,"channel":0,"num_words":15,"start":957.065,"end":960.185},{"sentences":[{"text":"In","start":960.055,"end":960.215,"sentiment":"neutral","sentiment_score":-0.045709218829870224}],"sentiment":"neutral","sentiment_score":-0.045709218829870224,"channel":1,"num_words":1,"start":960.055,"end":960.215},{"sentences":[{"text":"mind.","start":960.185,"end":960.685,"sentiment":"neutral","sentiment_score":-0.05131656676530838}],"sentiment":"neutral","sentiment_score":-0.05131656676530838,"channel":0,"num_words":1,"start":960.185,"end":960.685},{"sentences":[{"text":"just, like yeah.","start":960.215,"end":961.335,"sentiment":"neutral","sentiment_score":-0.034113013496001564},{"text":"In five minutes?","start":961.335,"end":962.47504,"sentiment":"neutral","sentiment_score":-0.03690724695722262},{"text":"She's just","start":962.53503,"end":963.015,"sentiment":"neutral","sentiment_score":-0.042177073657512665}],"sentiment":"neutral","sentiment_score":-0.037176866084337234,"channel":1,"num_words":8,"start":960.215,"end":963.015},{"sentences":[{"text":"Yeah.","start":962.98505,"end":963.385,"sentiment":"neutral","sentiment_score":-0.056496039032936096}],"sentiment":"neutral","sentiment_score":-0.056496039032936096,"channel":0,"num_words":1,"start":962.98505,"end":963.385},{"sentences":[{"text":"trying, like,","start":963.015,"end":963.575,"sentiment":"neutral","sentiment_score":-0.05908561870455742}],"sentiment":"neutral","sentiment_score":-0.05908561870455742,"channel":1,"num_words":2,"start":963.015,"end":963.575},{"sentences":[{"text":"Absolutely.","start":963.385,"end":963.885,"sentiment":"neutral","sentiment_score":-0.06014707684516907}],"sentiment":"neutral","sentiment_score":-0.06014707684516907,"channel":0,"num_words":1,"start":963.385,"end":963.885},{"sentences":[{"text":"four times and whether something's happening.","start":963.575,"end":965.91504,"sentiment":"neutral","sentiment_score":-0.06537474226206541}],"sentiment":"neutral","sentiment_score":-0.06537474226206541,"channel":1,"num_words":6,"start":963.575,"end":965.91504},{"sentences":[{"text":"Not a problem.","start":966.6769,"end":967.47687,"sentiment":"neutral","sentiment_score":0.0399616447587808},{"text":"I'll call you back","start":967.47687,"end":968.1969,"sentiment":"neutral","sentiment_score":0.01787725416943431}],"sentiment":"neutral","sentiment_score":0.027341992993439947,"channel":0,"num_words":7,"start":966.6769,"end":968.1969},{"sentences":[{"text":"Yeah.","start":968.0869,"end":968.3269,"sentiment":"neutral","sentiment_score":-0.01505627203732729}],"sentiment":"neutral","sentiment_score":-0.01505627203732729,"channel":1,"num_words":1,"start":968.0869,"end":968.3269},{"sentences":[{"text":"in","start":968.1969,"end":968.4369,"sentiment":"neutral","sentiment_score":-0.054654672741889954}],"sentiment":"neutral","sentiment_score":-0.054654672741889954,"channel":0,"num_words":1,"start":968.1969,"end":968.4369},{"sentences":[{"text":"Sorry.","start":968.3269,"end":968.8269,"sentiment":"neutral","sentiment_score":-0.031845804303884506}],"sentiment":"neutral","sentiment_score":-0.031845804303884506,"channel":1,"num_words":1,"start":968.3269,"end":968.8269},{"sentences":[{"text":"about five minutes.","start":968.4369,"end":969.15686,"sentiment":"neutral","sentiment_score":-0.027516100866099198},{"text":"Is that okay?","start":969.15686,"end":969.8769,"sentiment":"neutral","sentiment_score":0.03311822066704432},{"text":"No.","start":969.8769,"end":970.1169,"sentiment":"neutral","sentiment_score":-0.26068636775016785},{"text":"You're fine.","start":970.1169,"end":970.9369,"sentiment":"neutral","sentiment_score":-0.05841808021068573}],"sentiment":"neutral","sentiment_score":-0.04007957430763377,"channel":0,"num_words":9,"start":968.4369,"end":970.9369},{"sentences":[{"text":"Yeah.","start":971.12695,"end":971.2069,"sentiment":"positive","sentiment_score":0.3438015282154083},{"text":"Wonderful.","start":971.2069,"end":971.7069,"sentiment":"positive","sentiment_score":0.7949756383895874}],"sentiment":"positive","sentiment_score":0.5693885833024979,"channel":1,"num_words":2,"start":971.12695,"end":971.7069},{"sentences":[{"text":"All good.","start":971.47687,"end":971.95685,"sentiment":"positive","sentiment_score":0.766583114862442}],"sentiment":"positive","sentiment_score":0.766583114862442,"channel":0,"num_words":2,"start":971.47687,"end":971.95685},{"sentences":[{"text":"Thank","start":971.7669,"end":972.0069,"sentiment":"positive","sentiment_score":0.8188086748123169}],"sentiment":"positive","sentiment_score":0.8188086748123169,"channel":1,"num_words":1,"start":971.7669,"end":972.0069},{"sentences":[{"text":"I'll","start":971.95685,"end":972.03687,"sentiment":"positive","sentiment_score":0.7381950616836548}],"sentiment":"positive","sentiment_score":0.7381950616836548,"channel":0,"num_words":1,"start":971.95685,"end":972.03687},{"sentences":[{"text":"you.","start":972.0069,"end":972.5069,"sentiment":"positive","sentiment_score":0.5903640985488892}],"sentiment":"positive","sentiment_score":0.5903640985488892,"channel":1,"num_words":1,"start":972.0069,"end":972.5069},{"sentences":[{"text":"talk that's okay, Heath.","start":972.03687,"end":973.5569,"sentiment":"neutral","sentiment_score":0.32328639551997185},{"text":"I'll talk to you in a minute.","start":973.5569,"end":974.6969,"sentiment":"neutral","sentiment_score":0.19798831854547774}],"sentiment":"neutral","sentiment_score":0.24355125562711197,"channel":0,"num_words":11,"start":972.03687,"end":974.6969},{"sentences":[{"text":"Okay.","start":974.8869,"end":975.2069,"sentiment":"neutral","sentiment_score":0.08423939347267151},{"text":"Bye.","start":975.2069,"end":975.7069,"sentiment":"neutral","sentiment_score":-0.11045875400304794}],"sentiment":"neutral","sentiment_score":-0.013109680265188217,"channel":1,"num_words":2,"start":974.8869,"end":975.7069}]},"summary":{"result":"success","short":"The speaker discusses the possibility of updating the customer's portfolio and business structure, including updating personal advice and business structure to alleviate workload on sales and contributions. They emphasize the importance of balancing retirement age and workload on sales and consider the retirement age and stage to determine the optimal balance between them. The speaker provides information about the customer's retirement plans and insurance coverage, reassessing their policy at a later time, and discusses the benefits of their current life insurance policy. They also offer to call the customer back in a few minutes to discuss their retirement benefits and home and mortgage insurance."},"intents":{"segments":[{"text":"I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of Yep. contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay?","start_word":343,"end_word":402,"intents":[{"intent":"Update personal advice","confidence_score":0.49154437}]},{"text":"I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of Yep. contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay? Yeah.","start_word":343,"end_word":403,"intents":[{"intent":"Reassess portfolio","confidence_score":0.29695135}]},{"text":"Last estimated income we had you on was about 186,000. Do you feel like that's fairly accurate for what you should be earning this year as well? Or Yeah.","start_word":429,"end_word":457,"intents":[{"intent":"Assess income","confidence_score":0.12628587}]},{"text":"If you like, what we can do is I can sorta catch up with you in February. We'll do a bit of catch up, reassess everything. And then because, Yep.","start_word":538,"end_word":567,"intents":[{"intent":"Plan catch up","confidence_score":0.021102367}]},{"text":"hopefully, you may have done your tax by then, we can Yes.","start_word":568,"end_word":579,"intents":[{"intent":"Adjust tax return","confidence_score":0.004069312}]},{"text":"So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense. Yeah.","start_word":604,"end_word":665,"intents":[{"intent":"Update business structure","confidence_score":0.17919154}]},{"text":"And work is picking up nicely. What kinda hours do you work on a regular average week, do you think?","start_word":685,"end_word":704,"intents":[{"intent":"Assess work and learning","confidence_score":1.3221246e-7}]},{"text":"So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there.","start_word":1066,"end_word":1091,"intents":[{"intent":"Assess super balance balance and super balance","confidence_score":2.805538e-7}]},{"text":"Do you think she's gonna wanna kinda retire at the same time as you or earlier? Do you think she'll probably work? Yes.","start_word":1518,"end_word":1540,"intents":[{"intent":"Consider retirement plans","confidence_score":0.0018928593}]},{"text":"So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the Yeah. business in the family.","start_word":1819,"end_word":1841,"intents":[{"intent":"Provide transitional wealth","confidence_score":0.6839383}]},{"text":"your insurance cover, you've got your life and your total permanent disability cover. So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745. If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000.","start_word":1910,"end_word":1984,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.12802225}]},{"text":"Oh, I wanted to pay out my mortgage. I mean, missus Yep. doesn't have to worry about the mortgage and the kids. Yep.","start_word":2016,"end_word":2038,"intents":[{"intent":"Pay out mortgage","confidence_score":0.24610516}]},{"text":"can cover their school fees. Yep.","start_word":2089,"end_word":2094,"intents":[{"intent":"Cover school fees","confidence_score":0.35302085}]},{"text":"Are they in private school? Are they? Or Yeah.","start_word":2095,"end_word":2103,"intents":[{"intent":"Provide contact information","confidence_score":0.00012988337}]},{"text":"I think it's, like, $4.85 or something. Okay.","start_word":2129,"end_word":2136,"intents":[{"intent":"Base quote","confidence_score":0.000046133344},{"intent":"Review cost","confidence_score":0.09379886}]},{"text":"Would you wanna kinda review the life amount you have to boost the benefit? How do you feel about that?","start_word":2198,"end_word":2217,"intents":[{"intent":"Review life amount","confidence_score":0.45457187}]},{"text":"but I think it'd be good to see before I get then I can compare with the other companies.","start_word":2442,"end_word":2460,"intents":[{"intent":"Compare quotes","confidence_score":0.22999051}]},{"text":"I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for Yeah.","start_word":2566,"end_word":2590,"intents":[{"intent":"Reassess insurance policy","confidence_score":0.006085884}]},{"text":"that phone call, and I can give you a callback in a minute?","start_word":2772,"end_word":2784,"intents":[{"intent":"Ask for callback","confidence_score":0.0059063127}]}]},"sentiments":{"segments":[{"text":"Hello? Oh, I see Mimi. No. Mimi. Hi, Maybe. So Ethan. This yes. is Dana again. So I'm I so don't sorry. know what's going on there. Just call You're me out again. that's absolutely fine. If it does cut out, I'll keep calling you Okay. back, so don't worry. No issues Okay. at all. Easy. All done.","start_word":0,"end_word":57,"sentiment":"neutral","sentiment_score":0.026325982064008713},{"text":"All Perfect. done. Easy.","start_word":58,"end_word":61,"sentiment":"positive","sentiment_score":0.500396728515625},{"text":"So, look, honestly, it it is an important that I'm Yeah. honest and open with you, and the markets haven't been great this year. We have also Yeah. had That's the underperforming understandable. investment, but it is good that we're seeing a better recovery there. Yeah. So depending on the outcome of today, I'd like to sort of make sure we do a a catch up in the next sort of six months with you just to sort of reassess how the portfolio is recovering from that change, Yep. and then Yeah. maybe look at whether we've gotta make any further changes. Does that sound okay with you? That's yeah.","start_word":62,"end_word":171,"sentiment":"neutral","sentiment_score":0.04813434183597565},{"text":"Perfect. Fantastic. Yeah. Excellent. Excellent.","start_word":172,"end_word":176,"sentiment":"positive","sentiment_score":0.487947553396225},{"text":"The other thing to sort of look at is I've had a bit of a look at the contribution side of things. You don't have any Oh, contributions I did. None. going in at the moment. Oh, I don't. But I'm still I'm trying to form a company at the moment so Okay. I can pay myself a wage. So at the moment, Yep. I'm I've been trading as a sole trader, and I need to form it sooner or later because I'm getting smashed attacks anyway. Yep. And Yep. then I can pay myself super. Yep. Yeah. Yes. I should Perfect. be doing it now, but yeah. That's okay. Honestly, we don't judge, and life gets very busy, especially having children. Oh, no. Yeah. Alright. All Yeah. good. Is that something you're sort of hoping to maybe do over the next six months? Do you feel Yeah. like you should be yep. Yep. Yep.","start_word":177,"end_word":331,"sentiment":"neutral","sentiment_score":0.009781642816960812},{"text":"Beautiful. Yep. Definitely. Excellent. Send me that, please. I'll make perfect.","start_word":332,"end_word":342,"sentiment":"positive","sentiment_score":0.586631178855896},{"text":"I'll make a note here that in the catch up in six months, we'll reassess and look at what's happening with your portfolio there, but we'll also maybe re revisit the the company structure and the paying of Yep. contributions and see what that looks like for you and maybe update personal advice to your flex. Does that sound okay? Yeah. 100%. Yeah.","start_word":343,"end_word":405,"sentiment":"neutral","sentiment_score":0.13198336958885193},{"text":"Beautiful. So it sounds like with your growing, business is going quite well at the moment.","start_word":406,"end_word":421,"sentiment":"positive","sentiment_score":0.3968311846256256},{"text":"I'm here. Yeah. Yep. Yep. That's okay. Last estimated income we had you on was about 186,000. Do you feel like that's fairly accurate for what you should be earning this year as well? Or Yeah. Yeah. It's probably more, I guess. yep. Yep. But That's okay. yeah. Yep. No. That's okay. Oh, We can no. keep No. that I as haven't it is. done my track yet this year or other. So I know. Yeah. Yeah. I That's think the last alright. I think the previous oh, not last year. Last year's might Mhmm. have been somewhere around the 200 possibly. Okay. Yep. Perfect. And this year, yeah. Hold on. I get it. That's alright. If you like, what we can do is I can sorta catch up with you in February. We'll do a bit of catch up, reassess everything. And then because, Yep. hopefully, you may have done your tax by then, we can Yes. have a look at what your income was and see if the company structure's changing and maybe look at what you're gonna pay yourself. So when you do your tax return, maybe speak to your accountant about the updating of your business structure and look at sort of what kinda income you might like to be able to pay yourself each year based on that because that will certainly factor in the contributions that you'll be paying into super as well, if that makes sense. Yeah. Yeah. Yeah.","start_word":422,"end_word":667,"sentiment":"neutral","sentiment_score":0.05458419397473335},{"text":"Fantastic. Excellent.","start_word":668,"end_word":669,"sentiment":"positive","sentiment_score":0.5239269733428955},{"text":"And you're a builder by trade. Is that right? I am. Yes. Yeah.","start_word":670,"end_word":682,"sentiment":"neutral","sentiment_score":0.18987390169730553},{"text":"Beautiful. Excellent. And work is picking up nicely.","start_word":683,"end_word":690,"sentiment":"positive","sentiment_score":0.6236199736595154},{"text":"What kinda hours do you work on a regular average week, do you think? And an average rate, Yeah. maybe 65. Yeah. Wow. And is it just you, or do you have others working with you, apprentices and people that you I'm maybe just contract not an out? apprentice. Only an apprentice. Only an apprentice. Yeah. Perfect. And when you kind of update the business structure, you're sort of hoping to take on more in the way of employees and apprentices to kind of alleviate the the workload on your sales or? Yeah. I'll oh, yeah. I will put another tradesman. Yeah.","start_word":691,"end_word":792,"sentiment":"neutral","sentiment_score":0.04136047139763832},{"text":"Perfect. Beautiful. Excellent. Good to Yeah.","start_word":793,"end_word":798,"sentiment":"positive","sentiment_score":0.4083910584449768},{"text":"see. Excellent. The next document you'll have in that email, if you are able to look at it there, is the asset performance detail report. So it does show, obviously, that we've gone through that. Your performance for this year is sort of sitting at a negative 1.65%. That's for the last twelve months. But when I Yep. kinda look at the last three months from when we made the change from the Bennelong investment to the Australian 200, we have seen that recovery point, and it has recovered back by about 6%. So I just wanna keep reviewing that, making sure that it is recovering back. And if we don't see Yeah. any additional growth over the next six months, we maybe look at swapping the investment again and maybe look at contributions down the track to help you along. Okay? Okay. Yeah. To kinda show you where you're at, so having a look at your circumstances, now you're I mean, you're so young. Are you sorta hoping to be able to access super at around about age 60, or what's your kinda goal age of being able to retire down the track? Yeah. Probably 60, I guess. Yep. Yep. That's okay. And have you looked now you've just turned 44 there as well, Yeah. haven't you? Yeah. Happy Yeah. birthday. Yeah. Don't Thank worry. you. That's right. I'm 41, so don't feel too bad. Okay. I promise.","start_word":799,"end_word":1037,"sentiment":"neutral","sentiment_score":0.021663525418444657},{"text":"Okay. Good. They they say our forties are the are the best time of our life, so I'm taking that Yeah.","start_word":1038,"end_word":1058,"sentiment":"positive","sentiment_score":0.40560492873191833},{"text":"on board. Yeah.","start_word":1059,"end_word":1061,"sentiment":"neutral","sentiment_score":0.27949485182762146},{"text":"Okay. Thanks, guys.","start_word":1062,"end_word":1064,"sentiment":"positive","sentiment_score":0.5438286662101746},{"text":"Yeah. So, realistically, having a look at your balance there, the average super balance for someone of your age and stage is around about a 140,680 there. So with your super balance, so where it is sitting at the moment, I just need to go back to the right document, We're sitting at about a $147,002.39. So you are fairly on average for where most people of your age and stage are, which is good. It does mean that you're not lacking, that your super balance is working, and your super is keeping up with the average. I Yeah. would definitely like to see it working a bit harder and building more, Yeah. but we'll keep working on that down the track for you. Okay? May I say Yep. Yeah. They sort of say by the age of 60, 65, you should have about 490,000 or by 65 around about 600,000 in super. So we'll try to sort of keep building on that as much as we possibly can. Yeah.","start_word":1065,"end_word":1234,"sentiment":"neutral","sentiment_score":0.1353811472654343},{"text":"Nice to get all of that. Absolutely. Absolutely. I'll make it my goal. I want you to enjoy your retirement years.","start_word":1235,"end_word":1255,"sentiment":"positive","sentiment_score":0.622994065284729},{"text":"So when you kind of just sort of look at your circumstances with your goal there as well with your super, is your I've got here that you're married. Does your wife work as well? Does she have super as well? Yeah. She does. Oh, she's Yep. she's a nurse. Okay. Perfect. Yeah. So she'd have a fairly Sorry. good super balance there as well. I'd hope so. Yeah. No. That's okay. The main sort of reason I look at that as well is as you get closer, because, admittedly, at the moment, we're just your adviser. Down the track when we get to get to those retirement years, it is always worth looking at the difference in super balance between yourself and your wife to look at who's got a higher balance, Are you on par? What you need to live on when you get to those areas? Realistically, you sort of wanna try and maybe proportionately draw out of the two supers so that you keep them both working as long as possible rather than Oh, depleting okay. one or the other. The Yeah. other thing I tend to look at is how old each of you are as well. So if she's, you know, a couple of years younger than you or older than you and she might retire before or after you, it's also worth looking at the difference in balances and whether you just start drawing from one rather than the other or Alright. whether you Yeah. hold Well, off. So Yeah. six thirty six. Spring chicken. Do you think she's gonna wanna kinda retire at the same time as you or earlier? Do you think she'll probably work? Yes. Yeah. Possibly, we'll see how she goes. I I just yeah. I'll burn myself out by the time I'm, you know, 60 doing this, so I need someone to help me. But Oh, absolutely. Abs yeah. It would be nice if we could both retire at the same time, I guess. mhmm. Yep. Yep.","start_word":1256,"end_word":1594,"sentiment":"neutral","sentiment_score":0.01948364849331456},{"text":"Absolutely. Perfect.","start_word":1595,"end_word":1596,"sentiment":"positive","sentiment_score":0.5443691611289978},{"text":"And are you happy for me to work on 60 as an age to access super currently, or do you think you'd realistically maybe work a little bit longer if you were happy If in I your could job? Yeah? yeah. If I could. Yeah. Unless I win a lotto or something, but yeah. Looks yeah. Say the 60. Yep.","start_word":1597,"end_word":1656,"sentiment":"neutral","sentiment_score":0.10769862681627274},{"text":"Perfect. Beautiful. I'll just sorta note that down there for you. Fantastic.","start_word":1657,"end_word":1668,"sentiment":"positive","sentiment_score":0.40203917026519775},{"text":"Sorry. And just sorry. The other thing I'm looking at here is just with the business, do you sort of have a a plan for how you want that to grow and build? Are you sort of hoping that when you transition the business into a company and start having employees there that they that that you'll probably sell that down the track, or do you think you might try to hold on to the business and keep it working in earning income? Do you have any idea of how have you thought about No. I haven't. Sorry. I'm gonna ask all the questions you've never Yeah. thought about No. answering. But I do have I do have three boys and, you know, I have one girl that's still in school, but Yep. they Yep.","start_word":1669,"end_word":1803,"sentiment":"neutral","sentiment_score":0.0353389324689353},{"text":"will have fun.","start_word":1804,"end_word":1806,"sentiment":"positive","sentiment_score":0.4288111925125122},{"text":"Maybe one of them wants to give it a go. Yeah.","start_word":1807,"end_word":1817,"sentiment":"neutral","sentiment_score":0.22735020518302915},{"text":"Beautiful. So, hopefully, provide that as a bit of a a transitional of wealth and, you know, keep the Yeah.","start_word":1818,"end_word":1837,"sentiment":"positive","sentiment_score":0.36151495575904846},{"text":"business in the family. Yep. Yeah. That's right. Yeah.","start_word":1838,"end_word":1846,"sentiment":"neutral","sentiment_score":0.2001280039548874},{"text":"Beautiful.","start_word":1847,"end_word":1847,"sentiment":"positive","sentiment_score":0.5679812431335449},{"text":"Well, hopefully, one of them wants to take on that.","start_word":1848,"end_word":1857,"sentiment":"neutral","sentiment_score":0.2983441948890686},{"text":"That would be fantastic to see everything you've built and worked so hard for continues for them.","start_word":1858,"end_word":1874,"sentiment":"positive","sentiment_score":0.7047554850578308},{"text":"Yes.","start_word":1875,"end_word":1875,"sentiment":"neutral","sentiment_score":0.30283021926879883},{"text":"Yeah. Excellent. Lovely.","start_word":1876,"end_word":1878,"sentiment":"positive","sentiment_score":0.5160711407661438},{"text":"The next document you'll see in there oh, sorry. The one before we were looking at with your super balance, it also has your insurances attached there. So now with Yep. your insurance cover, you've got your life and your total permanent disability cover. So with your current life benefit, if you were to pass away today, the life benefit pays out 593,745. If you think about that scenario and with your life cover, if you were to also pass away today, your super balance is paid out on top of that to your beneficiaries, which essentially means that that they could receive around about 740,000. In the event of, say, you passing, what is it that you where do you want that money paid to, and what is it that you're hoping to have that cover? Oh, I wanted to pay out my mortgage. I mean, missus Yep. doesn't have to worry about the mortgage and the kids. Yep. And don't know, really. Maybe just this kid's school fees. Like, it's probably next year, it's gonna be about 65,000 a year. And then after once a girl goes into her school, it's probably gonna be up near the 75. Yeah. Wow. You know? So as long as it Yeah. can cover their school fees. Yep. Are they in private school? Are they? Or Yeah. They are. yeah. Yep. And with the mortgage, I had you owing about 500,000 on that. What do you owe on the mortgage currently? I think it's, like, $4.85 or something. Okay. So if we base it on 485,000. So as an example, if you were to pass away today, that $740,007.04 7 is paid out. It covers 485,000 of the mortgage. It leaves around about $255,007.47. That could be paid less for your family there. Do you think that would be enough for them to sort of survive on for a bit longer? Would you wanna kinda review the life amount you have to boost the benefit? How do you feel about that?","start_word":1879,"end_word":2217,"sentiment":"neutral","sentiment_score":0.04540622089288931},{"text":"Oh, shit. Sorry. No. It probably would be, I guess.","start_word":2218,"end_word":2227,"sentiment":"negative","sentiment_score":-0.4382876753807068},{"text":"If I they'd probably downsize the house anyway if I Yep. you know? So I'd Yep. say that house is probably currently maybe worth 1.67. You know? Mhmm. Yep. If we were to sell it tomorrow, depending on what Elbow does with their house prices. But the I probably would I'll be would be looking at, you know, so that I think it'd be right. The Yep. 5 That's 100. it. Is it 500 Yeah. for the life insurance? Yeah. Yeah. 5 Yeah. 193 and then an extra 147, which is your super balance 3 paid out as well. Yeah. Yeah. That's okay. If you if you want, you 5. can What always is it sit what is on it that for the what moi. is it Sorry. what is it change by check putting it up at that higher bracket? Is it just a higher fee? It does increase the cost of it. I can jump into the insurer and have a quick look for you. If you want, we can sort of assess and look at what the cost difference might be. Two Yeah. seconds. Because I'm busy. I'm actually getting fucked with other people trying to ring me and, you know, so many out of all that's lost insurance and Yeah. but I think it'd be good to see before I get then I can compare with the other companies. Because I think I'm with me or Susan or Nei or Yeah. Neos is the insurer. Absolutely. Yeah. I I'm just logging in. Won't be one second. So sorry. think I'm expecting Yeah. That's correct. Yeah. Pardon me. And, yeah, look, your insurance premiums, when you think about the life, the TPD, and the income protection, your current insurance premiums, you are paying well, the insurer is receiving about 9,400, and the amount that you've paid out if you're super for this year is about 7,990 and 3<unk>.","start_word":2228,"end_word":2550,"sentiment":"neutral","sentiment_score":-0.045374872073554215},{"text":"So, realistically, for your agent stage and the level of cover you have, that is quite expensive.","start_word":2550,"end_word":2567,"sentiment":"negative","sentiment_score":-0.37524545192718506},{"text":"I can go back and maybe reassess the insurances and also maybe your health and reassess whether there's a better policy out there for Yeah. you to Because maybe that's give quite you more good. Yeah. cover. Absolutely. I mean, realistically, Yeah. when I you're should've sort of told in your that fifties a few longs ago. yeah. That's okay. So when you're sort of in your fifties and sixties, we kind of expect your insurance premiums to be much higher. But, realistically, at your age and stage, they should not be this high unless there's some kind of reason for doing so. Yeah. Hey. I'm Can I just just hurry up there for two seconds? Can yeah. I just Of answer course. this call? It's just Yeah. the message just in case something's happened. That's I'll give okay. you Did you want I'll bring back two seconds. me No. yeah. Oh, hang up now. You It's oh, just yeah. her mother got airlifted last night to the Toowoomba Hospital, very out west. And so she's taken off early the in the hours of this morning, they're gonna be with them. I'm so sorry. Did you wanna Yeah. Yeah. hang No. up That's and make good. that phone call, and I can give you a callback in a minute? I don't In mind. just, like yeah. In five minutes? She's just Yeah. trying, like, Absolutely. four times and whether something's happening. Not a problem. I'll call you back Yeah. in Sorry. about five minutes. Is that okay? No. You're fine.","start_word":2567,"end_word":2825,"sentiment":"neutral","sentiment_score":-0.04900761040711495},{"text":"Yeah. Wonderful. All good. Thank I'll you.","start_word":2826,"end_word":2832,"sentiment":"positive","sentiment_score":0.6749362945556641},{"text":"talk that's okay, Heath. I'll talk to you in a minute. Okay. Bye.","start_word":2833,"end_word":2845,"sentiment":"neutral","sentiment_score":0.2107524871826172}],"average":{"sentiment":"neutral","sentiment_score":0.05460026493778935}}}}