{"metadata":{"transaction_key":"deprecated","request_id":"019e67c7-c5b7-7c53-b215-0eee3b2f7f97","sha256":"d4728315e1654d57b5d6d85bd1ea4a5b3c54aea59d292e92829ba3285b334d66","created":"2026-05-27T04:53:30.323Z","duration":2840.76,"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":11846,"output_tokens":162},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":13250,"output_tokens":13275},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":13250,"output_tokens":645}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Colin. It's Zaina from OQ. How are you? I'm very well. Thank you. How's your day been so far? Oh, fan fantastic. I had to book in just to go through your updated advice document. Is Nashville a good time there for you? Fan fantastic. Do you happen to have access to your emails at the moment? I know I had sent that one through already. Got it there. Fantastic. Have you had a chance to have a bit of a look through it? Yep. Yep. Alright. Yeah. Yeah. Perfect. Perfect. Yeah. Yeah. Absolutely. Absolutely. And with I know you were going back to the doctors over the last couple of days. How did that last appointment go for you? Yep. Fantastic. Fantastic. Back to full pay. Excellent. Fantastic. Well, good to hear that's what you've been aiming for. It's good to you're back early than you thought till you thought it would take a few more months. That's really good. Yeah. Yeah. Yeah. Of course. Yeah. Yes. Absolutely. Yeah. No. Absolutely. All good. All good. Well, let's run through this one for you. On the front of the document there, you will see it has been prepared for yourself, Colin Andrews, as of the twenty fifth of May. That's the one. Yeah. Definitely. Attach you alright? Sorry if I got a bit too fast for you. No. That's okay. Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide. So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment. On the front of the very bottom, it does have my license number registered for you. It's 1304394. I'm an authorized representative registered with Assic. To make this a bit easier, we're sort of scoping in areas of superannuation. We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope. So we're looking towards your retirement goals down the track here. So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll keep updating and changing it to reflect the changes in your circumstances as you get closer to it. Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings. We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney. You were really happy with how they are structured, so we're not looking to make any alterations to that side of the estate planning side of things for you. Okay? Perfect. Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the areas that I need to, and then I'll let you go back and have a really good review of things if you like. To make it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and I'll just sort of run you through the recommendations as we are going through. Okay? Perfect. You're right. That's the one? Perfect. So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you. So at the moment, one of the things we did sort of talk about was reducing your risk level. At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments. And we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment. So we're starting to step down and reduce that risk level gradually for you. We are looking to make a bit of an switch with the investments there. So you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying. So, essentially, we'll be selling off some of the Aveda shares cybersecurity. We still wanna hold about 4% of your total portfolio. We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio. With the health care side of things, we'll sell that completely down as well. We are gonna retain the S and P 500, so buying a bit more of that in there. I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested. So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well. So we do wanna hold about 25% there. One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index. So you're tracking the top 500 companies in The US. To be in that index, these companies actually have to meet a certain criteria. So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index. So yeah. Yep. Absolutely. Yeah. So you are always tracking the top 500 companies, which is really good to kind of know. Yeah. So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred. We're going to get rid of that investment completely, and we are also getting rid of Bennelong Australian Equities. It's the one that has been underperforming a bit in recent months there. Bennelong was meant to be more of an actively managed fund within your portfolio, and it was supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that. They've had some underlying issues, so we've reviewed them and decided they're not worth keeping in the portfolio. So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper. We're actually on the top of the next page. We're placing them with the a 200 here, so the BetaShares Australian 200. By doing this, the a 200 tracks the top 200 companies on the ASX. Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies on the Australian share market. So it's more of a passively managed fund. It's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well. Okay. Yeah. Perfect. We've also got down here for the JPMorgan Global Enhanced Research Index Fund there. We are gonna remove that from the portfolio wholly, and we've got some physical gold there. It has done really well. We're just rebalancing it back a little bit. At the moment, you've got about 10.54%. We just wanna hold 10% overall in the new portfolio. So it's just about selling a little bit of that off and spreading that across other areas. We've got the iShares Yield plus that one there is being completely sold down. And the bank hybrids, again, they are being removed completely as well. Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there. And bank hybrids over the next couple of years are actually gonna be phased out by the government. So we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather than in a couple of years. Once they're fully phased out, We have to make that change quickly. So we're just making the change whilst we're doing all the other changes here at the moment for you. Okay? Perfect. Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well. So, essentially, this is yeah, diversifying across the globe. Not The US because you have the S and P 500 there. That's why it's ex US. But it is, again, giving you diversification. So one of the important parts of diversifying your portfolio is not only having growth in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there. So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well. Okay? The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with. And then defensive investments wise, we've also got the core composite bonds in there. So bonds this is looking at bonds both corporate and government. It also has bank notes, and it also does have some diversification across the globe as well. So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important. You wanna have dividends and income produced out of your portfolio. That goes into your cash account, and we can reinvest that back into your portfolio for compounding. So bonds are really good. A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool. Okay. Beautiful. I try to keep that pretty brief. Not everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know. Happy to go further down for you. But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio. Okay. Yeah. Easy. All good. If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there. Yeah. Beautiful. So we're moving you down into that balanced growth environment. So starting to reduce your risk level gradually as you get closer to accessing super. So this risk profile generally sees at 20 oh, sorry. 70% in growth investments and 30% defensive. It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also some cash in there as well. So it's about diversifying there. With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments. So a bit overweighted with where we are at the moment, more in that growth kind of allocation. So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%. So it's about sort of a 5% variance from where that growth in defensive allocation for your risk profile is, but it's very much in line with that. And it's about just reducing your risk level a little bit, which is what this portfolio does for you. Does that make sense? Yep. Perfect. Excellent. We've also got here on the next page to see comparison table. So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment. With where you are currently, you're in that growth portfolio, which hasn't done too badly. You've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there. But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible. So the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there. So with making the changes to your investments as noted above, we actually noted that there's no capital gains. The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit. So it actually means that there's no CGT consequences your super fund has to account for, which is great. No additional tax for your super fund to worry about. So yeah. Absolutely. Absolutely. So it does mean the balance expected in the recommended would be about the same as the $311,002.79. We are retaining Hub twenty four, so there's no change in the investment fees there. Hub twenty four is still a great platform. There's no real major changes that needs to happen to that at the moment. We do wanna obviously keep checking things. We do reevaluate. We are looking at investments, other platforms out there, and we did consider a few. But the the capital gains cost of selling down your portfolio completely and moving to a new fund just doesn't really add up at all. So it ended up being too much. It's best to try and retain where you can and switch investments where you can as well. So Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's good. That's good. Yeah. Perfect. Yeah. Yep. Yep. Yeah. Perfect. Perfect. The good thing about the investment switch is you'll see your investment fees do drop. So we started off with the $12.58. It's down to $5.29 with the new portfolio. So it essentially saves $729 in investment fees for the first year, which is great. Any kind of saving on fees means that that money stays in your super in your portfolio growing towards your retirement, which is a a great advantage to the changes. The ongoing service fee, that does encounter a bit of growth there. That's why you see it goes up a little bit for this side of the projection table. We also factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income. And you'll see your insurance premiums going down there as well. So we've made that recommendation to reduce your life down to that 300,000, cancel your TBD, which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward. Okay? Excellent. We as we noted, we are looking to reduce that risk level a bit. So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio. So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you in a much greater position moving forward there. Okay. Perfect. Perfect. That's the sense of the projection side of things there. If you go down to the next page, page number 24, we've got the retirement income calculated there. So by looking at the changes that we are making, we're sort of projecting forward to retirement. We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well. So this sort of shows that with your super balance retiring at the age that you want to. And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both. But, realistically, we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there. And that's just factoring in your super and the expected pension side of things. We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we need to to make sure everything continues to work hard for you. Okay. Yeah. Beautiful. It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's it. Yeah. No. No. Definitely not. And, look, there's still plenty of time to to work towards it. And even when you go into this retirement years, your money remains invested. We look to draw down a pension and keep everything sort of still working harder for you. So it's just about, you know, creating that longevity and continuously altering and changing. And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on. You're going back into that full time work. But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR strategy, add additional contributions. Everything in the advice world is liquid. We can be moving things back and forth and altering the advice as we need to. So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself. So, yeah, doing well. All good. That's it. That's it. If you scroll down to page 25 there, Colin, you'll see that we've got the insurance side of things. So we did give you all those different quotes that had a bit of a chat about the insurance side of things. So at the moment, you do have your life and TPD covered there. You are happy just to cancel the TPD. It is the largest portion of the cost of your cover. And, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off. Your super balance does that, and then does also provide additional cover and carrier's still working as well. So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal. And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you. You are comfortable with reducing your life cover down to the $300,000 mark. Just making sure that if anything happens, yeah, that pays off the mortgage. That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do moving forward as well. So yeah. Absolutely. Yeah. So that does actually reduce your insurance payments quite drastically. We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00. So it is a huge difference. It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily. So that's 8,558 that stays in your super working harder for you. Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover. The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that. So you do get a refund if it does go through renewal. Okay. Yeah. Fantastic. As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here. And that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you. It's really important that any recommendations we make are in your best interest in working for your goals. Okay? Perfect. You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well. So I'll let you sort of run your eyes over those a bit later. They are a bit arduous, so take some time to read them over. And feel free to let me know if you do happen to have any questions there. Okay? Excellent. The next side of things is that transition to retirement side. If you go down to page number 30 for me, I'll take you through this one. Beautiful. So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you. You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there. So, essentially, looking at pre disability income. So with the payslip, we were able to go back and have a really good look. Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there. To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off. So we've looked at a as well. We've sort of had to minus those off. So we've looked at, essentially, what your income was. So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there. So that's just the current position. We're sort of not really worried about that at the moment because we're working on the proposed side of things. But, essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice. So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was. So we were able to look at your base salary is about $75,006.55 pre disability. You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis. We're gonna increase those up to $15,007.03 9. So it works out from a $100 per week. We increase your salary sacrifice to $302.67 per week. And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income. So we keep minusing those off, and that gives us your net employment income of about $32,008.07 3. To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works out to be about a $143.65 per week. And that brings you back to the $40,003.43, which is the net take home pay based on all of the above. Does that make sense? It's a lot of math. I'm so sorry. Yep. Yep. Yeah. Yeah. Yeah. Yep. Oh, that's really good. Yeah. Yeah. No. That's okay. So this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work. We've had to kind of do the math and work out what your pre disability income was based on the payslips provided. So when you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know. I can always come back, reevaluate the math a little bit, and we can always refresh it and move it back in and out. So there's no need to worry there. Yeah. Nice. Nice. Yeah. Yeah. Yeah. Yeah. Perfect. Well, if it does, let me know. Because as I said, we can refresh these. We can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do. So if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with the deductions going in there. And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there. So we've added those back in, but then also kept the post tax deductibles and the pretax deductibles coming out and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there. So it was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are. But we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to. Yeah. Yeah. We can roll back in and out of TTR pension phase and accumulation as often as we need to. The only main no. Yeah. No. We can refresh this as often as we like. We try to do it once a year. So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase because to start with, we're gonna do the investment switch anyway. So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you. That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in. Because then when we roll in, we try to give it a good year to make sure it's all kind of working to see the benefits. Yeah. And then kinda roll you back. The we can roll you back and forth as much as you want. There's no issues there. It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown. So works for you whenever we roll you back out of that pension phase. So I try to sort of make sure the numbers are on point before we kind of go forward into it. We can make some alterations once we're there, but it just makes it easier on you if we do that beforehand. So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes. I'll just run the numbers over again to double check that. And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through to you. Does that sound okay? Yep. Yep. Beautiful. Beautiful. But I've really enjoyed putting this together. It's been a lot of fun. Your payslip has been one of the most interesting. I've really enjoyed looking at it and just because it's been going out gradually over the past few months. But it's kinda cool to see you getting back on top and getting back to work over that time too. It's really fun. It has. Yeah. No. Yeah. Yeah. Yeah. Yeah. Yeah. No. It's good. Absolutely. Absolutely. But now it's good that you've at least had that downtime to let your body recuperate back to where it is now. So, hopefully, going back to work is the right thing. Yeah. Yeah. You're ready? No. That's really good. Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well. Makes a a bit of a difference to the budget, especially with the cost of living at the moment. It's pretty horrendous out there. So Yeah. No. Yep. Absolutely. Yeah. Absolutely. Most definitely. Yep. No. Absolutely. All good. If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury. But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there. We're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817. So it's a good increase on your contributions there. There's more money going into super. It does increase the income the tax side of things on the contributions. So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go up to 3,072, but you can sort of see the difference there. The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name. So, yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140. It reduces down after we increase salary sacrifice to 8,124. So you're saving easy just under, you know, $3 in tax there, and you're only increasing it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super. So it does make quite a bit of a difference on the tax side of things, which is good. And having more money inside Super, where it is concessionally tax, means that there's more money invested. So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in. So because it's tax free when it comes out, we can take less out than we need to put in. So you're putting more money in. It's taxed more concessionally, but then you're also saving on your insurance premiums and the fees for the investments, which as well. So all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time. Does that make sense? Yeah. Beautiful. We have outlined that the, again, the advantages, the disadvantages, the risks involved. Obviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy. So it does mean we do need to review the strategy when your income does happen to change to make sure it is working and in line. If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter. But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment. So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy. The benefits are, again, that you save a bit of tax. The tax inside of Super is 15% compared to your marginal tax rate. That's basically half your marginal tax rate, which is insane. So you do end up with more money invested and compounding forward towards your future goals. And these strategies can be altered and changed as we need to as well. So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you. Okay? Beautiful. Beautiful. Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there. The first one is the TTR pension account. The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there. You do pay the ongoing service fee of 1.6 oh, sorry. 1.1%. That will remain. It's that's the joint because you and Carrie are both clients. So 1.1% per annum, and that is deducted in smaller monthly increments there. So that is essentially prorated across the both accounts, the super and the TCR pension account. And that's sort of showing on page number 40. We've got another sort of fee comparison table there, and that shows the adviser fee spread across the two accounts there for you. We're opening up a secondary account. So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account. So you will pay a bit more in admin fees across the two investment fees across the two. But overall, the admin fees oh, sorry. The investment fees are still gonna be saved because the portfolio that we're investing in is overall cheaper. Okay? Beautiful. And then, yeah, the portfolio, we do sort of hope works a little bit harder for you. We can do catch ups as we're going through to see how things are working. Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a full annual review in twelve months? Would that be okay? Yep. Yep. Beautiful. And I'll make a note here that the first thing we'll look at doing take some time to read it through. Let me know if you do happen to have any questions there. We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and then we go into the pension account. So once you get your first payslip after going back, if you can just shoot that through to me, I can just run the numbers again. And if there's something I need to alter or change, I can just update that advice prior to us moving into the pension phase for you. Is that okay? Yeah. Beautiful. That's okay. I know it is a lot. Do you have any questions for me at the moment? Or Yeah. Yeah. Yeah. Perfect. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's perfect. Yeah. No. That's absolutely perfect. That's fantastic. Well, I'm glad that I was able to put this together for you. Again, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers. And if there's any alterations we need to make, I'll do that process rolling in the pension phase. It's very easy to update the advice document. And when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there. So you're comfortable still with your legal personal representative. I know everything goes through your will for the both of you. So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well. Okay? Yeah. Beautiful. Beautiful. Easy. That's basically everything I did have to run through, so feel free to have a read through the document. Let me know if you do happen to have any questions there. And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for you before you roll in the pension phase. Okay? Yeah. Yep. Yeah. That's absolutely fine. Take some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board. And then if you are, I would just get you to sign and return that all back for me. Okay? If you're comfortable and you just wanna proceed, you can sign and return it back to me. But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing, and give you a chance to yeah. Yep. Yeah. If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one. But I'll get you to sign this one first if you're comfortable taking it on board. Yep. Yep. Yeah. Absolutely. That's if we need to do another one. If if everything still stacks up with your new payslip, then we won't need to make any changes. We'll just proceed the way it is. Yeah. Yeah. Absolutely. Yeah. All good. So when are you you're back full time as of next week. Is that right? Oh, as of today? Fantastic. Fantastic. Yep. Okay. Perfect. Yep. Okay. Yeah. Fantastic. Fantastic. Good to see. Well, back full time, back Monday to Friday again. That'll be really good. Yeah. Yep. Yeah. Yeah. Yeah. And in the middle of the week too. Yeah. No. Perfect. All good. Well, I'm really happy that it's all worked out well for you. Back all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you. Reducing your risk is one of the most important things I wanna get started. And whenever I set up a pension, we start by just rolling over into the TTR pension account. That does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment. That way you're not increasing contributions prior to the first drawdown coming if it doesn't leave you late. So that's the way I tend to do those sorts of things. But, yeah, that'd be good. And, like, once you get your paces through, I'll run the numbers. And if there are changes, I'll let you know we need to change the advice prior to rolling into pension. If there's no changes, I'll let you know we're good to proceed, and we'll just keep going for you. Okay? Yeah. That's okay. Not a problem. I'm so sorry. I had to cancel last night and push the appointment. My last call took a bit longer than I was expecting. Yep. Yeah. Yeah. Sorry about that. Oh, you're a gem. Yeah. You're a gem, but no. Thank you so much for taking my call today. I hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that you do have. Happy to take a call anytime you need. Okay? My pleasure. Thanks so much, Cole. Have a good afternoon. See you later. Bye.","confidence":0.9975586,"words":[{"word":"hi","start":3.04,"end":3.28,"confidence":0.97216797,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.11942236125469208},{"word":"colin","start":3.28,"end":3.6799998,"confidence":0.8757324,"punctuated_word":"Colin.","sentiment":"neutral","sentiment_score":0.14939670264720917},{"word":"it's","start":3.6799998,"end":3.84,"confidence":0.98217773,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.17419204115867615},{"word":"zaina","start":3.84,"end":4.16,"confidence":0.56152344,"punctuated_word":"Zaina","sentiment":"neutral","sentiment_score":0.18077556788921356},{"word":"from","start":4.16,"end":4.4,"confidence":0.9658203,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17432039976119995},{"word":"oq","start":4.4,"end":4.7999997,"confidence":0.48697916,"punctuated_word":"OQ.","sentiment":"neutral","sentiment_score":0.16946527361869812},{"word":"how","start":4.7999997,"end":5.04,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.18484121561050415},{"word":"are","start":5.04,"end":5.2799997,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17199233174324036},{"word":"you","start":5.2799997,"end":5.7799997,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.17981407046318054},{"word":"i'm","start":7.44,"end":7.8399997,"confidence":0.9753418,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5946212410926819},{"word":"very","start":7.8399997,"end":8.16,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6516645550727844},{"word":"well","start":8.16,"end":8.48,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6403151750564575},{"word":"thank","start":8.48,"end":8.72,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6670653820037842},{"word":"you","start":8.72,"end":8.96,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5828343629837036},{"word":"how's","start":8.96,"end":9.28,"confidence":0.92163086,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.28945979475975037},{"word":"your","start":9.28,"end":9.44,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2168112546205521},{"word":"day","start":9.44,"end":9.599999,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.3183337152004242},{"word":"been","start":9.599999,"end":9.92,"confidence":0.7871094,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.20778946578502655},{"word":"so","start":9.92,"end":10.16,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19003944098949432},{"word":"far","start":10.16,"end":10.66,"confidence":0.99902344,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.21978864073753357},{"word":"oh","start":13.055,"end":13.375,"confidence":0.80859375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04260645434260368},{"word":"fan","start":13.375,"end":13.875,"confidence":0.8413086,"punctuated_word":"fan","sentiment":"positive","sentiment_score":0.4072968661785126},{"word":"fantastic","start":14.175,"end":14.675,"confidence":0.9890137,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5207926034927368},{"word":"i","start":15.215,"end":15.375,"confidence":0.75634766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27606433629989624},{"word":"had","start":15.375,"end":15.535,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.27612870931625366},{"word":"to","start":15.535,"end":15.695,"confidence":0.57910156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2962537407875061},{"word":"book","start":15.695,"end":15.935,"confidence":0.5439453,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2777975797653198},{"word":"in","start":15.935,"end":16.095001,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2924991846084595},{"word":"just","start":16.095001,"end":16.255001,"confidence":0.9472656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.302920401096344},{"word":"to","start":16.255001,"end":16.415,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17787612974643707},{"word":"go","start":16.415,"end":16.655,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2110697478055954},{"word":"through","start":16.655,"end":17.135,"confidence":0.9951172,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3409382700920105},{"word":"your","start":17.135,"end":17.455,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2474936991930008},{"word":"updated","start":17.455,"end":17.935001,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.281385600566864},{"word":"advice","start":17.935001,"end":18.335,"confidence":0.9267578,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2723516821861267},{"word":"document","start":18.335,"end":18.815,"confidence":0.99853516,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.25608575344085693},{"word":"is","start":18.815,"end":18.975,"confidence":0.9892578,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12223311513662338},{"word":"nashville","start":18.975,"end":19.215,"confidence":0.45385742,"punctuated_word":"Nashville","sentiment":"neutral","sentiment_score":0.15479686856269836},{"word":"a","start":19.215,"end":19.455,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1205165833234787},{"word":"good","start":19.455,"end":19.615,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.11608895659446716},{"word":"time","start":19.615,"end":19.855,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1577332764863968},{"word":"there","start":19.855,"end":20.095001,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14686138927936554},{"word":"for","start":20.095001,"end":20.255001,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15460318326950073},{"word":"you","start":20.255001,"end":20.755001,"confidence":0.99365234,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1355488896369934},{"word":"fan","start":22.654999,"end":23.135,"confidence":0.7011719,"punctuated_word":"Fan","sentiment":"neutral","sentiment_score":0.1555505096912384},{"word":"fantastic","start":23.375,"end":23.875,"confidence":0.9904785,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.199396088719368},{"word":"do","start":24.095001,"end":24.255001,"confidence":0.9941406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.036756549030542374},{"word":"you","start":24.255001,"end":24.415,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0392892062664032},{"word":"happen","start":24.415,"end":24.735,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.05138678103685379},{"word":"to","start":24.735,"end":24.907501,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04660063236951828},{"word":"have","start":24.907501,"end":25.08,"confidence":0.9902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0456913560628891},{"word":"access","start":25.08,"end":25.2,"confidence":0.9140625,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.04826526343822479},{"word":"to","start":25.2,"end":25.32,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026871193200349808},{"word":"your","start":25.32,"end":25.48,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.020765244960784912},{"word":"emails","start":25.48,"end":25.88,"confidence":0.91503906,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.03837717324495315},{"word":"at","start":25.88,"end":26.039999,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.034271664917469025},{"word":"the","start":26.039999,"end":26.119999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046194396913051605},{"word":"moment","start":26.119999,"end":26.36,"confidence":0.99853516,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.07035841047763824},{"word":"i","start":26.36,"end":26.52,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01345534436404705},{"word":"know","start":26.52,"end":26.68,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.010845225304365158},{"word":"i","start":26.68,"end":26.76,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01177690178155899},{"word":"had","start":26.76,"end":27.0,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.015227952972054482},{"word":"sent","start":27.0,"end":27.24,"confidence":0.9980469,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.025372454896569252},{"word":"that","start":27.24,"end":27.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03390411287546158},{"word":"one","start":27.4,"end":27.64,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0621841624379158},{"word":"through","start":27.64,"end":27.88,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09105045348405838},{"word":"already","start":27.88,"end":28.38,"confidence":0.9970703,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":0.08319434523582458},{"word":"got","start":28.84,"end":29.16,"confidence":0.97265625,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.06847774237394333},{"word":"it","start":29.16,"end":29.24,"confidence":0.95166016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10313117504119872},{"word":"there","start":29.24,"end":29.74,"confidence":0.79663086,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11730393767356873},{"word":"fantastic","start":29.8,"end":30.3,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3795749545097351},{"word":"have","start":30.6,"end":30.76,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.15977992117404938},{"word":"you","start":30.76,"end":30.92,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12804928421974182},{"word":"had","start":30.92,"end":31.08,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.14472295343875885},{"word":"a","start":31.08,"end":31.16,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1876240074634552},{"word":"chance","start":31.16,"end":31.4,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.21667315065860748},{"word":"to","start":31.4,"end":31.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12296625226736067},{"word":"have","start":31.56,"end":31.72,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1121576577425003},{"word":"a","start":31.72,"end":31.8,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17048399150371552},{"word":"bit","start":31.8,"end":31.96,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18248017132282257},{"word":"of","start":31.96,"end":32.04,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1985326111316681},{"word":"a","start":32.04,"end":32.12,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17080381512641907},{"word":"look","start":32.12,"end":32.36,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10671813786029816},{"word":"through","start":32.36,"end":32.52,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14616484940052032},{"word":"it","start":32.52,"end":33.02,"confidence":0.9980469,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.11629054695367812},{"word":"yep","start":37.0,"end":37.239998,"confidence":0.86572266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026529749855399132},{"word":"yep","start":37.239998,"end":37.739998,"confidence":0.9753418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023293673992156982},{"word":"alright","start":39.585,"end":40.085,"confidence":0.6368408,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.060316216200590134},{"word":"yeah","start":45.105,"end":45.605,"confidence":0.76586914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03822952136397362},{"word":"yeah","start":47.745,"end":48.245,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06224443763494491},{"word":"perfect","start":48.305,"end":48.805,"confidence":0.9946289,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.06114466115832329},{"word":"perfect","start":50.32,"end":50.82,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":-0.06779732555150986},{"word":"yeah","start":56.32,"end":56.82,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01940361224114895},{"word":"yeah","start":61.839996,"end":62.339996,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01080482453107834},{"word":"absolutely","start":63.155003,"end":63.655003,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.03947591036558151},{"word":"absolutely","start":64.835,"end":65.335,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.06512271612882614},{"word":"and","start":66.275,"end":66.595,"confidence":0.9589844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04081935435533523},{"word":"with","start":66.595,"end":66.755005,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03976617008447647},{"word":"i","start":66.835,"end":66.915,"confidence":0.9482422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03944527357816696},{"word":"know","start":66.915,"end":67.075005,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04554642736911774},{"word":"you","start":67.075005,"end":67.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02822520211338997},{"word":"were","start":67.235,"end":67.395004,"confidence":0.890625,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.02669889479875565},{"word":"going","start":67.395004,"end":67.555,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.02726352959871292},{"word":"back","start":67.555,"end":67.715004,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.016581393778324127},{"word":"to","start":67.715004,"end":67.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013117540627717972},{"word":"the","start":67.795,"end":68.035,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02112865447998047},{"word":"doctors","start":68.035,"end":68.435,"confidence":0.9550781,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.020016660913825035},{"word":"over","start":68.435,"end":68.555,"confidence":0.9819336,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0361206941306591},{"word":"the","start":68.555,"end":68.675,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0282149538397789},{"word":"last","start":68.675,"end":68.915,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.024381058290600777},{"word":"couple","start":68.915,"end":69.235,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03004811331629753},{"word":"of","start":69.235,"end":69.315,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02481609396636486},{"word":"days","start":69.315,"end":69.555,"confidence":0.982666,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.027209477499127388},{"word":"how","start":69.555,"end":69.715004,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.02947934903204441},{"word":"did","start":69.715004,"end":69.875,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.033159442245960236},{"word":"that","start":69.875,"end":70.035,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05930843949317932},{"word":"last","start":70.035,"end":70.355,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02159918285906315},{"word":"appointment","start":70.355,"end":70.835,"confidence":0.99902344,"punctuated_word":"appointment","sentiment":"neutral","sentiment_score":0.026370497420430183},{"word":"go","start":70.835,"end":71.075,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.040621571242809296},{"word":"for","start":71.075,"end":71.235,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01818898692727089},{"word":"you","start":71.235,"end":71.735,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.014457293786108494},{"word":"yep","start":74.435,"end":74.935,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09538697451353072},{"word":"fantastic","start":76.28,"end":76.78,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.1912774443626404},{"word":"fantastic","start":87.975,"end":88.475,"confidence":0.9501953,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3404198884963989},{"word":"back","start":90.215,"end":90.455,"confidence":0.8803711,"punctuated_word":"Back","sentiment":"neutral","sentiment_score":0.16041713953018188},{"word":"to","start":90.455,"end":90.615,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16897572576999664},{"word":"full","start":90.615,"end":90.935,"confidence":0.97314453,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2767338752746582},{"word":"pay","start":90.935,"end":91.255,"confidence":0.99609375,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.1771799623966217},{"word":"excellent","start":91.255,"end":91.755,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.435687780380249},{"word":"fantastic","start":91.895,"end":92.395,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4191528558731079},{"word":"well","start":92.615,"end":92.854996,"confidence":0.8894043,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.23380933701992035},{"word":"good","start":92.854996,"end":93.015,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3035355806350708},{"word":"to","start":93.015,"end":93.095,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3427402973175049},{"word":"hear","start":93.095,"end":93.335,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.304023802280426},{"word":"that's","start":93.335,"end":93.735,"confidence":0.84887695,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2661780118942261},{"word":"what","start":93.735,"end":93.895,"confidence":0.7236328,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2850162386894226},{"word":"you've","start":93.895,"end":94.215,"confidence":0.97924805,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2592132091522217},{"word":"been","start":94.215,"end":94.375,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2413163930177689},{"word":"aiming","start":94.375,"end":94.695,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.2530224323272705},{"word":"for","start":94.695,"end":94.935,"confidence":0.99609375,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.11572632193565369},{"word":"it's","start":94.935,"end":95.175,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.24782805144786835},{"word":"good","start":95.175,"end":95.415,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2998731732368469},{"word":"to","start":95.415,"end":95.575,"confidence":0.8388672,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33403897285461426},{"word":"you're","start":95.735,"end":95.895,"confidence":0.6845703,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3524494767189026},{"word":"back","start":95.895,"end":96.215,"confidence":0.9863281,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3456897437572479},{"word":"early","start":96.215,"end":96.534996,"confidence":0.66845703,"punctuated_word":"early","sentiment":"positive","sentiment_score":0.3908305764198303},{"word":"than","start":96.534996,"end":96.695,"confidence":0.96972656,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3724939227104187},{"word":"you","start":96.695,"end":96.854996,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26616692543029785},{"word":"thought","start":96.854996,"end":97.095,"confidence":0.9277344,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.22633212804794312},{"word":"till","start":97.095,"end":97.335,"confidence":0.64501953,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.26296526193618774},{"word":"you","start":97.335,"end":97.415,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21459928154945376},{"word":"thought","start":97.415,"end":97.655,"confidence":0.9941406,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.19440098106861117},{"word":"it","start":97.655,"end":97.735,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2924986183643341},{"word":"would","start":97.735,"end":97.895,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2717674970626831},{"word":"take","start":97.895,"end":98.135,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.18814922869205475},{"word":"a","start":98.135,"end":98.215,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25488796830177307},{"word":"few","start":98.215,"end":98.375,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.18085047602653503},{"word":"more","start":98.375,"end":98.615,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.20025332272052765},{"word":"months","start":98.615,"end":98.935,"confidence":0.9638672,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.2909553050994873},{"word":"that's","start":98.935,"end":99.175,"confidence":0.95751953,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4528183341026306},{"word":"really","start":99.175,"end":99.415,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4913424849510193},{"word":"good","start":99.415,"end":99.915,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4089506268501282},{"word":"yeah","start":100.135,"end":100.635,"confidence":0.8688965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09170565009117126},{"word":"yeah","start":107.72,"end":108.22,"confidence":0.7824707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06588572263717651},{"word":"yeah","start":112.52,"end":113.02,"confidence":0.9277344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04836598411202431},{"word":"of","start":113.08,"end":113.32,"confidence":0.9716797,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.09424301981925964},{"word":"course","start":113.32,"end":113.82,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.27847421169281006},{"word":"yeah","start":114.604996,"end":115.104996,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.228591650724411},{"word":"yes","start":118.845,"end":119.345,"confidence":0.9975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09403738379478456},{"word":"absolutely","start":119.485,"end":119.985,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.06733672320842743},{"word":"yeah","start":122.604996,"end":123.104996,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06908469647169113},{"word":"no","start":123.165,"end":123.665,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11783640831708908},{"word":"absolutely","start":123.725,"end":124.225,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4854026436805725},{"word":"all","start":124.765,"end":125.005,"confidence":0.8701172,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5644423365592957},{"word":"good","start":125.005,"end":125.325,"confidence":0.99365234,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5206127166748047},{"word":"all","start":125.325,"end":125.564995,"confidence":0.9770508,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.49541887640953064},{"word":"good","start":125.564995,"end":125.725,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.450340211391449},{"word":"well","start":125.725,"end":125.884995,"confidence":0.99658203,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.18121176958084104},{"word":"let's","start":125.884995,"end":126.205,"confidence":0.9921875,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.1617734283208847},{"word":"run","start":126.205,"end":126.445,"confidence":0.9892578,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.12918788194656372},{"word":"through","start":126.445,"end":126.604996,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14629489183425903},{"word":"this","start":126.604996,"end":126.845,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10852111130952836},{"word":"one","start":126.845,"end":127.085,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12337572127580644},{"word":"for","start":127.085,"end":127.325,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13969583809375763},{"word":"you","start":127.325,"end":127.825,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10692949593067168},{"word":"on","start":128.39,"end":128.71,"confidence":0.9536133,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.04537682980298996},{"word":"the","start":128.71,"end":128.79001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0438055582344532},{"word":"front","start":128.79001,"end":128.95,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.05160224810242653},{"word":"of","start":128.95,"end":129.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05179547518491745},{"word":"the","start":129.11,"end":129.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03783994913101196},{"word":"document","start":129.19,"end":129.51,"confidence":0.9970703,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.03477480262517929},{"word":"there","start":129.51,"end":129.75,"confidence":0.9169922,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0400148369371891},{"word":"you","start":129.75,"end":129.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04773137718439102},{"word":"will","start":129.91,"end":130.07,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05365458130836487},{"word":"see","start":130.07,"end":130.19,"confidence":0.98291016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.061287395656108856},{"word":"it","start":130.19,"end":130.31,"confidence":0.9448242,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04785299673676491},{"word":"has","start":130.31,"end":130.55,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04135890677571297},{"word":"been","start":130.55,"end":130.79001,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.041804127395153046},{"word":"prepared","start":130.79001,"end":131.11,"confidence":0.99902344,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.0494147390127182},{"word":"for","start":131.11,"end":131.27,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05128655582666397},{"word":"yourself","start":131.27,"end":131.67,"confidence":0.9020996,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.04595258831977844},{"word":"colin","start":131.67,"end":131.99,"confidence":0.8598633,"punctuated_word":"Colin","sentiment":"neutral","sentiment_score":0.050595782697200775},{"word":"andrews","start":131.99,"end":132.49,"confidence":0.75,"punctuated_word":"Andrews,","sentiment":"neutral","sentiment_score":0.0320187471807003},{"word":"as","start":132.55,"end":132.79001,"confidence":0.97998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.014945346862077711},{"word":"of","start":132.79001,"end":132.95,"confidence":0.8598633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009431803598999975},{"word":"the","start":132.95,"end":133.11,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0094682015478611},{"word":"twenty","start":133.11,"end":133.43001,"confidence":0.94921875,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.026171259582042698},{"word":"fifth","start":133.43001,"end":133.75,"confidence":0.92822266,"punctuated_word":"fifth","sentiment":"neutral","sentiment_score":0.027823911979794506},{"word":"of","start":133.75,"end":133.83,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005128326825797558},{"word":"may","start":133.83,"end":134.33,"confidence":0.9946289,"punctuated_word":"May.","sentiment":"neutral","sentiment_score":0.017965804785490036},{"word":"that's","start":134.71,"end":135.11,"confidence":0.9379883,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.027236774563789368},{"word":"the","start":135.11,"end":135.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01825379766523838},{"word":"one","start":135.27,"end":135.59,"confidence":0.8483887,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.03011120855808258},{"word":"yeah","start":135.59,"end":135.91,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08338522911071777},{"word":"definitely","start":135.91,"end":136.41,"confidence":0.9609375,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.09515240043401718},{"word":"attach","start":137.51,"end":137.99,"confidence":0.7692871,"punctuated_word":"Attach","sentiment":"neutral","sentiment_score":0.013124316930770874},{"word":"you","start":138.31,"end":138.39,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013979303650557997},{"word":"alright","start":138.39,"end":138.89,"confidence":0.9460449,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":0.02914607897400856},{"word":"sorry","start":139.91,"end":140.23,"confidence":0.98535156,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.06696446239948273},{"word":"if","start":140.23,"end":140.31,"confidence":0.8413086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0963079035282135},{"word":"i","start":140.31,"end":140.47,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11612138152122498},{"word":"got","start":140.47,"end":140.63,"confidence":0.22814941,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.12331625819206238},{"word":"a","start":140.63,"end":140.71,"confidence":0.42114258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24142861366271973},{"word":"bit","start":140.71,"end":140.95,"confidence":0.98828125,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2500917613506317},{"word":"too","start":140.95,"end":141.11,"confidence":0.99121094,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2814211845397949},{"word":"fast","start":141.11,"end":141.35,"confidence":0.9921875,"punctuated_word":"fast","sentiment":"neutral","sentiment_score":-0.22976762056350708},{"word":"for","start":141.35,"end":141.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.30740082263946533},{"word":"you","start":141.51,"end":142.01,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.252142995595932},{"word":"no","start":147.125,"end":147.445,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08270309120416641},{"word":"that's","start":147.445,"end":147.925,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.026478003710508347},{"word":"okay","start":147.925,"end":148.32501,"confidence":0.9975586,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.001944512128829956},{"word":"attached","start":148.32501,"end":148.725,"confidence":0.97680664,"punctuated_word":"Attached","sentiment":"neutral","sentiment_score":0.0367109477519989},{"word":"to","start":148.725,"end":148.88501,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0528125986456871},{"word":"the","start":148.88501,"end":149.04501,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052035458385944366},{"word":"rest","start":149.04501,"end":149.285,"confidence":0.7758789,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.06683529168367386},{"word":"of","start":149.285,"end":149.445,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0680650994181633},{"word":"the","start":149.445,"end":149.52501,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054599352180957794},{"word":"email","start":149.52501,"end":150.02501,"confidence":0.7763672,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.049620360136032104},{"word":"the","start":150.085,"end":150.32501,"confidence":0.9086914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0670720636844635},{"word":"other","start":150.32501,"end":150.565,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.059142835438251495},{"word":"documents","start":150.565,"end":150.96501,"confidence":0.9902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.04230955243110657},{"word":"that","start":150.96501,"end":151.04501,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06488066911697388},{"word":"you","start":151.04501,"end":151.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05437377467751503},{"word":"can","start":151.125,"end":151.365,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05794162675738335},{"word":"run","start":151.365,"end":151.52501,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.06902582943439484},{"word":"your","start":151.52501,"end":151.76501,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04256393760442734},{"word":"eyes","start":151.76501,"end":152.005,"confidence":0.81640625,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.04344087839126587},{"word":"over","start":152.005,"end":152.24501,"confidence":0.8952637,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.07425917685031891},{"word":"i","start":152.24501,"end":152.40501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13335351645946503},{"word":"do","start":152.40501,"end":152.565,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11735323071479796},{"word":"have","start":152.565,"end":153.065,"confidence":0.7475586,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.06373849511146545},{"word":"yeah","start":153.285,"end":153.60501,"confidence":0.7026367,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07616680860519409},{"word":"the","start":153.60501,"end":153.76501,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06341300904750824},{"word":"product","start":153.76501,"end":154.16501,"confidence":0.9526367,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.03815903887152672},{"word":"disclosure","start":154.16501,"end":154.645,"confidence":0.9873047,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.03937868773937225},{"word":"statements","start":154.645,"end":155.125,"confidence":0.95703125,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.03653455525636673},{"word":"for","start":155.125,"end":155.285,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0619276724755764},{"word":"you","start":155.285,"end":155.445,"confidence":0.9658203,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.054263707250356674},{"word":"a","start":155.445,"end":155.52501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05290976166725159},{"word":"copy","start":155.52501,"end":155.845,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.04420151934027672},{"word":"of","start":155.845,"end":156.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03590566664934158},{"word":"the","start":156.005,"end":156.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0327727384865284},{"word":"advice","start":156.085,"end":156.485,"confidence":0.9375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0372605100274086},{"word":"document","start":156.485,"end":156.96501,"confidence":0.9970703,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.05392937734723091},{"word":"the","start":156.96501,"end":157.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06866814196109772},{"word":"appendix","start":157.125,"end":157.60501,"confidence":0.99902344,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.05864366888999939},{"word":"with","start":157.60501,"end":157.76501,"confidence":0.57666016,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09115574508905412},{"word":"the","start":157.76501,"end":157.845,"confidence":0.94140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062384188175201416},{"word":"research","start":157.845,"end":158.32501,"confidence":0.921875,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.06376045942306519},{"word":"attached","start":158.32501,"end":158.61,"confidence":0.9892578,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.06901583820581436},{"word":"to","start":158.61,"end":158.77,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0820823609828949},{"word":"it","start":158.77,"end":158.93001,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07891258597373962},{"word":"as","start":158.93001,"end":159.09,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07942439615726471},{"word":"well","start":159.09,"end":159.59,"confidence":0.98583984,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.08177690207958221},{"word":"and","start":159.97,"end":160.29,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0773087590932846},{"word":"the","start":160.29,"end":160.45,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08588923513889313},{"word":"financial","start":160.45,"end":160.93001,"confidence":0.99609375,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.07204244285821915},{"word":"services","start":160.93001,"end":161.41,"confidence":0.98095703,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.04774058237671852},{"word":"guide","start":161.41,"end":161.65,"confidence":0.89404297,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.06575168669223785},{"word":"so","start":161.65,"end":161.81,"confidence":0.9243164,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13895928859710693},{"word":"you're","start":161.81,"end":161.89,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17114853858947754},{"word":"welcome","start":161.89,"end":162.21,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.2730410397052765},{"word":"to","start":162.21,"end":162.29,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1804298460483551},{"word":"sort","start":162.29,"end":162.45,"confidence":0.9614258,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1338241845369339},{"word":"of","start":162.45,"end":162.53,"confidence":0.96533203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15588665008544922},{"word":"run","start":162.53,"end":162.77,"confidence":0.9980469,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.13661286234855652},{"word":"your","start":162.77,"end":162.93,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1457936465740204},{"word":"eyes","start":162.93,"end":163.09,"confidence":0.9741211,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.15224584937095642},{"word":"to","start":163.09,"end":163.25,"confidence":0.5307617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1426161229610443},{"word":"those","start":163.25,"end":163.49,"confidence":0.99316406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11689993739128111},{"word":"if","start":163.49,"end":163.65,"confidence":0.91259766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12698468565940857},{"word":"you","start":163.65,"end":163.73,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09942230582237244},{"word":"wanted","start":163.73,"end":163.97,"confidence":0.97314453,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07819196581840515},{"word":"to","start":163.97,"end":164.13,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10117414593696594},{"word":"a","start":164.13,"end":164.21,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09824184328317642},{"word":"bit","start":164.21,"end":164.29,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06029365211725235},{"word":"later","start":164.29,"end":164.53,"confidence":0.99902344,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.1017431914806366},{"word":"on","start":164.53,"end":164.69,"confidence":0.9057617,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.11211644858121872},{"word":"but","start":164.69,"end":164.85,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11998693645000458},{"word":"we're","start":164.85,"end":165.01,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04496000334620476},{"word":"just","start":165.01,"end":165.17,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03920514136552811},{"word":"gonna","start":165.17,"end":165.41,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05291049927473068},{"word":"focus","start":165.41,"end":165.73,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.053017109632492065},{"word":"on","start":165.73,"end":165.89,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08129236102104187},{"word":"this","start":165.89,"end":166.13,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06914166361093521},{"word":"document","start":166.13,"end":166.61,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06308060884475708},{"word":"for","start":166.61,"end":166.77,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0529281422495842},{"word":"the","start":166.77,"end":166.85,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04073463752865791},{"word":"moment","start":166.85,"end":167.35,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.07620519399642944},{"word":"on","start":168.21,"end":168.53,"confidence":0.9980469,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.10052740573883057},{"word":"the","start":168.53,"end":168.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0863804817199707},{"word":"front","start":168.77,"end":169.01,"confidence":0.9980469,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.10536306351423264},{"word":"of","start":169.01,"end":169.17,"confidence":0.49951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1137433648109436},{"word":"the","start":169.17,"end":169.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09873434901237488},{"word":"very","start":169.25,"end":169.49,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.10647542774677277},{"word":"bottom","start":169.49,"end":169.81,"confidence":0.99560547,"punctuated_word":"bottom,","sentiment":"neutral","sentiment_score":0.12143051624298096},{"word":"it","start":169.81,"end":169.97,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11719191074371338},{"word":"does","start":169.97,"end":170.21,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10728783160448074},{"word":"have","start":170.21,"end":170.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09079553931951524},{"word":"my","start":170.37,"end":170.53,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08510883152484894},{"word":"license","start":170.53,"end":170.93,"confidence":0.94384766,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.08023571968078613},{"word":"number","start":170.93,"end":171.25,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.06265803426504135},{"word":"registered","start":171.25,"end":171.73,"confidence":0.9951172,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.08548091351985931},{"word":"for","start":171.73,"end":171.97,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09386488795280457},{"word":"you","start":171.97,"end":172.05,"confidence":0.9885254,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08698442578315735},{"word":"it's","start":172.05,"end":172.29,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.056223612278699875},{"word":"1304394","start":172.29,"end":174.37,"confidence":0.9995117,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.06796099245548248},{"word":"i'm","start":174.37,"end":174.555,"confidence":0.9807129,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.061436593532562256},{"word":"an","start":174.635,"end":174.715,"confidence":0.7836914,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06156221032142639},{"word":"authorized","start":174.715,"end":175.03499,"confidence":0.75390625,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.07670827955007553},{"word":"representative","start":175.03499,"end":175.53499,"confidence":0.99902344,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.0701785460114479},{"word":"registered","start":175.75499,"end":176.23499,"confidence":0.97314453,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.09172357618808746},{"word":"with","start":176.23499,"end":176.47499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0877259150147438},{"word":"assic","start":176.47499,"end":176.97499,"confidence":0.62609863,"punctuated_word":"Assic.","sentiment":"neutral","sentiment_score":0.08184650540351868},{"word":"to","start":178.39499,"end":178.555,"confidence":0.9199219,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.10032446682453156},{"word":"make","start":178.555,"end":178.795,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11144908517599106},{"word":"this","start":178.795,"end":178.95499,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08595171570777893},{"word":"a","start":178.95499,"end":179.03499,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1043587476015091},{"word":"bit","start":179.03499,"end":179.275,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08288882672786713},{"word":"easier","start":179.275,"end":179.59499,"confidence":0.99365234,"punctuated_word":"easier,","sentiment":"neutral","sentiment_score":0.1362125128507614},{"word":"we're","start":179.59499,"end":179.83499,"confidence":0.99365234,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09888394922018053},{"word":"sort","start":179.83499,"end":179.995,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07609741389751434},{"word":"of","start":179.995,"end":180.155,"confidence":0.9350586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08890184760093689},{"word":"scoping","start":180.155,"end":180.555,"confidence":0.9995117,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.061328500509262085},{"word":"in","start":180.555,"end":180.715,"confidence":0.95166016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0423753634095192},{"word":"areas","start":180.715,"end":181.03499,"confidence":0.99609375,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.03687649965286255},{"word":"of","start":181.03499,"end":181.19499,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03640144690871239},{"word":"superannuation","start":181.19499,"end":181.69499,"confidence":0.99194336,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.06079781800508499},{"word":"we","start":182.39499,"end":182.555,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06036057323217392},{"word":"are","start":182.555,"end":182.715,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06463800370693207},{"word":"looking","start":182.715,"end":182.95499,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06896688044071198},{"word":"at","start":182.95499,"end":183.11499,"confidence":0.8286133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04416276887059212},{"word":"personal","start":183.11499,"end":183.515,"confidence":0.61621094,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.05165053531527519},{"word":"insurances","start":183.515,"end":184.015,"confidence":0.91878253,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.04910220950841904},{"word":"your","start":184.155,"end":184.31499,"confidence":0.9003906,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0790984034538269},{"word":"life","start":184.31499,"end":184.555,"confidence":0.98291016,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.072445347905159},{"word":"integrity","start":184.555,"end":185.055,"confidence":0.4645996,"punctuated_word":"integrity","sentiment":"neutral","sentiment_score":0.07208922505378723},{"word":"you","start":185.19499,"end":185.355,"confidence":0.8701172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0922188237309456},{"word":"have","start":185.355,"end":185.515,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08342674374580383},{"word":"there","start":185.515,"end":185.67499,"confidence":0.9160156,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0683416873216629},{"word":"and","start":185.67499,"end":185.83499,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06463620066642761},{"word":"the","start":185.83499,"end":185.995,"confidence":0.88720703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06062640622258186},{"word":"estate","start":185.995,"end":186.39499,"confidence":0.98535156,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.06728288531303406},{"word":"planning","start":186.39499,"end":186.715,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.09305061399936676},{"word":"side","start":186.715,"end":186.95499,"confidence":0.7993164,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06550117582082748},{"word":"of","start":186.95499,"end":187.11499,"confidence":0.890625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07762415707111359},{"word":"things","start":187.11499,"end":187.355,"confidence":0.7183838,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.09185201674699783},{"word":"that's","start":187.355,"end":187.59499,"confidence":0.6505127,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08415250480175018},{"word":"being","start":187.59499,"end":187.83499,"confidence":0.8935547,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.09659145772457124},{"word":"factored","start":187.83499,"end":188.23499,"confidence":0.9980469,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.09522268176078796},{"word":"in","start":188.23499,"end":188.39499,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0788538008928299},{"word":"there","start":188.39499,"end":188.555,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07631905376911163},{"word":"as","start":188.555,"end":188.715,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.060304202139377594},{"word":"well","start":188.715,"end":189.21,"confidence":0.7753906,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05603205785155296},{"word":"and","start":189.77,"end":190.01001,"confidence":0.9633789,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.041564468294382095},{"word":"then","start":190.01001,"end":190.25,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.023650946095585823},{"word":"areas","start":190.25,"end":190.57,"confidence":0.99121094,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.03203381970524788},{"word":"that","start":190.57,"end":190.73001,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0008388794958591461},{"word":"were","start":190.73001,"end":190.89,"confidence":0.42944336,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.01334436982870102},{"word":"scoped","start":190.89,"end":191.13,"confidence":0.96777344,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.016516100615262985},{"word":"into","start":191.13,"end":191.45001,"confidence":0.98291016,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.003307569772005081},{"word":"a","start":191.45001,"end":191.53001,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003723597154021263},{"word":"limited","start":191.53001,"end":191.93001,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.00028656795620918274},{"word":"scope","start":191.93001,"end":192.25,"confidence":0.8664551,"punctuated_word":"scope.","sentiment":"neutral","sentiment_score":0.011283555999398232},{"word":"so","start":192.25,"end":192.41,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05518149212002754},{"word":"we're","start":192.41,"end":192.57,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06393156945705414},{"word":"looking","start":192.57,"end":192.97,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06641501933336258},{"word":"towards","start":192.97,"end":193.37001,"confidence":0.99609375,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.09995481371879578},{"word":"your","start":193.37001,"end":193.53,"confidence":0.9394531,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09766193479299544},{"word":"retirement","start":193.53,"end":194.03,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.0458001047372818},{"word":"goals","start":194.09001,"end":194.41,"confidence":0.99609375,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.07014917582273483},{"word":"down","start":194.41,"end":194.57,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05756048113107681},{"word":"the","start":194.57,"end":194.73001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05966215580701828},{"word":"track","start":194.73001,"end":194.97,"confidence":0.9902344,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.05883844941854477},{"word":"here","start":194.97,"end":195.47,"confidence":0.94750977,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.051987096667289734},{"word":"so","start":195.69,"end":195.93001,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04473434388637543},{"word":"we","start":195.93001,"end":196.09001,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06572823971509933},{"word":"scoped","start":196.09001,"end":196.41,"confidence":0.7524414,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.06256149709224701},{"word":"into","start":196.41,"end":196.73001,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04952220991253853},{"word":"a","start":196.73001,"end":196.81001,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04071909934282303},{"word":"limited","start":196.81001,"end":197.29001,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":0.014531840570271015},{"word":"scope","start":197.29001,"end":197.53,"confidence":0.9941406,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.02702365815639496},{"word":"just","start":197.53,"end":197.77,"confidence":0.60595703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.035613540560007095},{"word":"the","start":197.77,"end":198.01001,"confidence":0.40722656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05777512863278389},{"word":"retirement","start":198.01001,"end":198.51001,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.026127737015485764},{"word":"side","start":198.97,"end":199.29001,"confidence":0.94384766,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.046262841671705246},{"word":"of","start":199.29001,"end":199.37001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04496791213750839},{"word":"things","start":199.37001,"end":199.69,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.060771696269512177},{"word":"just","start":199.69,"end":199.85,"confidence":0.76708984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.041027456521987915},{"word":"to","start":199.85,"end":200.01001,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03940728306770325},{"word":"sort","start":200.01001,"end":200.25,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.036907218396663666},{"word":"of","start":200.25,"end":200.33,"confidence":0.72216797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05246898531913757},{"word":"show","start":200.33,"end":200.57,"confidence":0.9970703,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.04306824877858162},{"word":"where","start":200.57,"end":200.73001,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0597270131111145},{"word":"we're","start":200.73001,"end":200.97,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06379827111959457},{"word":"tracking","start":200.97,"end":201.37001,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.059914566576480865},{"word":"with","start":201.37001,"end":201.53,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06628960371017456},{"word":"the","start":201.53,"end":201.69,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0803360641002655},{"word":"advice","start":201.69,"end":202.19,"confidence":0.8796387,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.06533470004796982},{"word":"and","start":202.385,"end":202.625,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06379812955856323},{"word":"we'll","start":202.625,"end":202.78499,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08200742304325104},{"word":"keep","start":202.78499,"end":203.185,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.10740268230438232},{"word":"updating","start":203.185,"end":203.58499,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.09227386116981506},{"word":"and","start":203.58499,"end":203.825,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09331879019737244},{"word":"changing","start":203.825,"end":204.22499,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.12132083624601364},{"word":"it","start":204.22499,"end":204.385,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10823290050029756},{"word":"to","start":204.385,"end":204.545,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08387967944145203},{"word":"reflect","start":204.545,"end":204.94499,"confidence":0.99902344,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.06855735182762146},{"word":"the","start":204.94499,"end":205.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10673528909683228},{"word":"changes","start":205.025,"end":205.42499,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.08228516578674316},{"word":"in","start":205.42499,"end":205.58499,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09440460801124571},{"word":"your","start":205.58499,"end":205.905,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0954865962266922},{"word":"circumstances","start":205.905,"end":206.405,"confidence":0.99902344,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.09728959202766418},{"word":"as","start":206.625,"end":206.78499,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08358593285083771},{"word":"you","start":206.78499,"end":207.025,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08336657285690308},{"word":"get","start":207.025,"end":207.185,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08906327933073044},{"word":"closer","start":207.185,"end":207.665,"confidence":0.9980469,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.05252229422330856},{"word":"to","start":207.665,"end":207.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07321929931640625},{"word":"it","start":207.825,"end":208.325,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0623154379427433},{"word":"areas","start":209.025,"end":209.42499,"confidence":0.7441406,"punctuated_word":"Areas","sentiment":"neutral","sentiment_score":-0.004465935751795769},{"word":"that","start":209.42499,"end":209.58499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022180680185556412},{"word":"we're","start":209.58499,"end":209.825,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.03173614665865898},{"word":"not","start":209.825,"end":209.98499,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07325959950685501},{"word":"really","start":209.98499,"end":210.22499,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.08905667811632156},{"word":"looking","start":210.22499,"end":210.545,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0577649250626564},{"word":"at","start":210.545,"end":210.70499,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06934817880392075},{"word":"with","start":210.70499,"end":210.86499,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09412643313407898},{"word":"the","start":210.86499,"end":211.025,"confidence":0.61865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07357482612133026},{"word":"guide","start":211.105,"end":211.34499,"confidence":0.27856445,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":-0.040817148983478546},{"word":"to","start":211.34499,"end":211.50499,"confidence":0.80371094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07271328568458557},{"word":"the","start":211.50499,"end":211.58499,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03921537101268768},{"word":"advice","start":211.58499,"end":212.08499,"confidence":0.96240234,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.02891090512275696},{"word":"are","start":212.22499,"end":212.465,"confidence":0.5571289,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09092843532562256},{"word":"cash","start":212.465,"end":212.70499,"confidence":0.9951172,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.06935955584049225},{"word":"on","start":212.70499,"end":212.86499,"confidence":0.68896484,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07710946351289749},{"word":"budgeting","start":212.86499,"end":213.34499,"confidence":0.986084,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":-0.06580393761396408},{"word":"for","start":213.34499,"end":213.58499,"confidence":0.28173828,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13313549757003784},{"word":"savings","start":213.58499,"end":213.98499,"confidence":0.9921875,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":-0.08819721639156342},{"word":"we're","start":213.98499,"end":214.14499,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.07817897200584412},{"word":"not","start":214.14499,"end":214.385,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10358425974845886},{"word":"looking","start":214.385,"end":214.625,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.06304927170276642},{"word":"to","start":214.625,"end":214.78499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08705384284257889},{"word":"get","start":214.78499,"end":214.94499,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13354021310806274},{"word":"any","start":214.94499,"end":215.185,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.15778841078281405},{"word":"new","start":215.185,"end":215.34499,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.22441482543945312},{"word":"insurances","start":215.34499,"end":215.84499,"confidence":0.88964844,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.1812727153301239},{"word":"to","start":215.905,"end":216.14499,"confidence":0.28393555,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15847797691822052},{"word":"income","start":216.14499,"end":216.465,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.17279744148254397},{"word":"protection","start":216.465,"end":216.94499,"confidence":0.97509766,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.17134110629558563},{"word":"or","start":216.94499,"end":217.105,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2225135862827301},{"word":"trauma","start":217.105,"end":217.605,"confidence":0.7753906,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.11636186391115189},{"word":"and","start":218.34,"end":218.58,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05608043074607849},{"word":"you","start":218.58,"end":218.82,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006369426846504211},{"word":"do","start":218.82,"end":218.98,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0251946821808815},{"word":"have","start":218.98,"end":219.14,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0023440122604370117},{"word":"a","start":219.14,"end":219.3,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029827751219272617},{"word":"will","start":219.3,"end":219.54,"confidence":0.9873047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0323641262948513},{"word":"and","start":219.54,"end":219.7,"confidence":0.8413086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03919627144932747},{"word":"power","start":219.7,"end":219.94,"confidence":0.9760742,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.008690707385540009},{"word":"of","start":219.94,"end":220.02,"confidence":0.9350586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007577165961265564},{"word":"attorney","start":220.02,"end":220.42,"confidence":0.9758301,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.039314836263656616},{"word":"you","start":220.42,"end":220.5,"confidence":0.9223633,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1392839252948761},{"word":"were","start":220.5,"end":220.74,"confidence":0.91503906,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2861385643482208},{"word":"really","start":220.74,"end":220.98,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.294391393661499},{"word":"happy","start":220.98,"end":221.22,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.31633850932121277},{"word":"with","start":221.22,"end":221.46,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3740752339363098},{"word":"how","start":221.46,"end":221.62,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.3946976959705353},{"word":"they","start":221.62,"end":221.86,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3455178141593933},{"word":"are","start":221.86,"end":222.02,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.39198732376098633},{"word":"structured","start":222.02,"end":222.52,"confidence":0.80200195,"punctuated_word":"structured,","sentiment":"positive","sentiment_score":0.3867726922035218},{"word":"so","start":222.9,"end":223.14,"confidence":0.9194336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1385340690612793},{"word":"we're","start":223.14,"end":223.3,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02399328351020813},{"word":"not","start":223.3,"end":223.46,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.053491830825805664},{"word":"looking","start":223.46,"end":223.86,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.038437619805336},{"word":"to","start":223.86,"end":223.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06711713969707489},{"word":"make","start":223.94,"end":224.1,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.0942799225449562},{"word":"any","start":224.1,"end":224.42,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1088891699910164},{"word":"alterations","start":224.42,"end":224.92,"confidence":0.99609375,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":-0.10214179009199142},{"word":"to","start":224.98,"end":225.14,"confidence":0.96435547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13913805782794952},{"word":"that","start":225.14,"end":225.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05005446821451187},{"word":"side","start":225.38,"end":225.46,"confidence":0.9790039,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.0004528313875198364},{"word":"of","start":225.46,"end":225.62,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025885581970214844},{"word":"the","start":225.62,"end":225.78,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008291862905025482},{"word":"estate","start":225.78,"end":226.1,"confidence":0.99609375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.04852646589279175},{"word":"planning","start":226.1,"end":226.5,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.03740379214286804},{"word":"side","start":226.5,"end":226.74,"confidence":0.6826172,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.04448448121547699},{"word":"of","start":226.74,"end":226.9,"confidence":0.8691406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.053939931094646454},{"word":"things","start":226.9,"end":227.22,"confidence":0.9506836,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10846775025129318},{"word":"for","start":227.22,"end":227.46,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014336936175823212},{"word":"you","start":227.46,"end":227.86,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.06901256740093231},{"word":"okay","start":227.86,"end":228.36,"confidence":0.97265625,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0241681020706892},{"word":"perfect","start":230.355,"end":230.855,"confidence":0.97802734,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7056374549865723},{"word":"now","start":230.915,"end":231.415,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.42529842257499695},{"word":"to","start":232.115,"end":232.355,"confidence":0.6870117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32165661454200745},{"word":"make","start":232.355,"end":232.515,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3712839484214782},{"word":"it","start":232.515,"end":232.595,"confidence":0.9838867,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3770638108253479},{"word":"a","start":232.595,"end":232.675,"confidence":0.6591797,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36696094274520874},{"word":"bit","start":232.675,"end":232.835,"confidence":0.9873047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32233312726020813},{"word":"easier","start":232.835,"end":233.155,"confidence":1.0,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.3668903112411499},{"word":"for","start":233.155,"end":233.315,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3841070234775543},{"word":"you","start":233.315,"end":233.555,"confidence":0.99902344,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3450164794921875},{"word":"i","start":233.555,"end":233.715,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.324415922164917},{"word":"will","start":233.715,"end":233.875,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2755577862262726},{"word":"just","start":233.875,"end":234.115,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29825371503829956},{"word":"sort","start":234.115,"end":234.275,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.27661585807800293},{"word":"of","start":234.275,"end":234.355,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24233388900756836},{"word":"skip","start":234.355,"end":234.675,"confidence":0.9838867,"punctuated_word":"skip","sentiment":"neutral","sentiment_score":0.2317878007888794},{"word":"through","start":234.675,"end":234.835,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2043660432100296},{"word":"a","start":234.835,"end":234.915,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2003241777420044},{"word":"couple","start":234.915,"end":235.235,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.15181273221969604},{"word":"of","start":235.235,"end":235.395,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17049333453178406},{"word":"pages","start":235.395,"end":235.795,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.14392219483852386},{"word":"and","start":235.795,"end":236.035,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11677826941013336},{"word":"stick","start":236.035,"end":236.275,"confidence":0.9941406,"punctuated_word":"stick","sentiment":"neutral","sentiment_score":0.1510162353515625},{"word":"to","start":236.275,"end":236.435,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22938108444213867},{"word":"sort","start":236.435,"end":236.595,"confidence":0.9472656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22098855674266815},{"word":"of","start":236.595,"end":236.675,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22658158838748932},{"word":"the","start":236.675,"end":236.835,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20687080919742584},{"word":"areas","start":236.835,"end":237.155,"confidence":0.99902344,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.14024533331394196},{"word":"that","start":237.155,"end":237.395,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13078247010707855},{"word":"i","start":237.395,"end":237.475,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14297907054424286},{"word":"need","start":237.475,"end":237.715,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1596662551164627},{"word":"to","start":237.715,"end":237.875,"confidence":0.9328613,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.184078186750412},{"word":"and","start":237.875,"end":237.955,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20717844367027283},{"word":"then","start":237.955,"end":238.115,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2271224558353424},{"word":"i'll","start":238.115,"end":238.275,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2589588165283203},{"word":"let","start":238.275,"end":238.435,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.3127283453941345},{"word":"you","start":238.435,"end":238.595,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3109329044818878},{"word":"go","start":238.595,"end":238.755,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2870613932609558},{"word":"back","start":238.755,"end":238.915,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3395317494869232},{"word":"and","start":238.915,"end":239.075,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2905169427394867},{"word":"have","start":239.075,"end":239.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3331516981124878},{"word":"a","start":239.235,"end":239.395,"confidence":0.9760742,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3671538829803467},{"word":"really","start":239.395,"end":239.635,"confidence":0.9003906,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.39393043518066406},{"word":"good","start":239.635,"end":239.875,"confidence":0.98828125,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.35491982102394104},{"word":"review","start":239.875,"end":240.195,"confidence":1.0,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.37800276279449463},{"word":"of","start":240.195,"end":240.355,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3542218804359436},{"word":"things","start":240.355,"end":240.595,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3459734320640564},{"word":"if","start":240.595,"end":240.835,"confidence":0.9003906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32037127017974854},{"word":"you","start":240.835,"end":240.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.280331015586853},{"word":"like","start":240.915,"end":241.415,"confidence":0.9941406,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.2107531875371933},{"word":"to","start":242.035,"end":242.195,"confidence":0.99316406,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.12067832052707672},{"word":"make","start":242.195,"end":242.435,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12967267632484436},{"word":"it","start":242.435,"end":242.595,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1992778927087784},{"word":"a","start":242.595,"end":242.675,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22102147340774536},{"word":"bit","start":242.675,"end":243.06,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23085226118564608},{"word":"easier","start":243.38,"end":243.78,"confidence":0.9980469,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.23256367444992063},{"word":"on","start":243.78,"end":244.02,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29219090938568115},{"word":"you","start":244.02,"end":244.18,"confidence":0.9941406,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2559429109096527},{"word":"if","start":244.18,"end":244.34,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.266121506690979},{"word":"you","start":244.34,"end":244.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17470955848693848},{"word":"scroll","start":244.42,"end":244.73999,"confidence":0.984375,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.1419839859008789},{"word":"down","start":244.73999,"end":244.98,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1373574584722519},{"word":"to","start":244.98,"end":245.06,"confidence":0.9160156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12802182137966156},{"word":"page","start":245.06,"end":245.38,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0897384062409401},{"word":"number","start":245.38,"end":245.7,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1228705197572708},{"word":"19","start":245.7,"end":246.2,"confidence":0.9909668,"punctuated_word":"19,","sentiment":"neutral","sentiment_score":0.13017556071281433},{"word":"this","start":246.73999,"end":246.9,"confidence":0.98535156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1224064603447914},{"word":"is","start":246.9,"end":247.06,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11659049987792967},{"word":"where","start":247.06,"end":247.22,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09512083232402802},{"word":"i'll","start":247.22,"end":247.45999,"confidence":0.91064453,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14003345370292664},{"word":"sort","start":247.45999,"end":247.7,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1560969054698944},{"word":"of","start":247.7,"end":247.86,"confidence":0.57128906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1600429117679596},{"word":"start","start":247.86,"end":248.26,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1357036978006363},{"word":"looking","start":248.26,"end":248.58,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.15337775647640228},{"word":"at","start":248.58,"end":248.73999,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.133029043674469},{"word":"things","start":248.73999,"end":249.23999,"confidence":0.82958984,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.17853550612926483},{"word":"and","start":249.7,"end":249.94,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17213650047779083},{"word":"i'll","start":249.94,"end":250.09999,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15659162402153015},{"word":"just","start":250.09999,"end":250.26,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17983101308345795},{"word":"sort","start":250.26,"end":250.42,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16191500425338745},{"word":"of","start":250.42,"end":250.58,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15912362933158877},{"word":"run","start":250.58,"end":250.73999,"confidence":0.99609375,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.13418513536453247},{"word":"you","start":250.73999,"end":250.9,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10612009465694427},{"word":"through","start":250.9,"end":251.06,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16288861632347107},{"word":"the","start":251.06,"end":251.22,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1446715146303177},{"word":"recommendations","start":251.22,"end":251.72,"confidence":0.99609375,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.11405845731496812},{"word":"as","start":251.86,"end":252.02,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14680486917495728},{"word":"we","start":252.02,"end":252.26,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1042085513472557},{"word":"are","start":252.26,"end":252.42,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1201527938246727},{"word":"going","start":252.42,"end":252.73999,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1471342295408249},{"word":"through","start":252.73999,"end":253.23999,"confidence":1.0,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.09359994530677795},{"word":"okay","start":253.3,"end":253.8,"confidence":0.99609375,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07927227020263672},{"word":"perfect","start":255.54,"end":256.03998,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4057818055152893},{"word":"you're","start":257.94498,"end":258.185,"confidence":0.9597168,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2598167657852173},{"word":"right","start":258.185,"end":258.685,"confidence":0.8457031,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2185046672821045},{"word":"that's","start":261.705,"end":262.025,"confidence":0.9753418,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11704999208450316},{"word":"the","start":262.025,"end":262.185,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1473868489265442},{"word":"one","start":262.185,"end":262.50497,"confidence":0.85595703,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.16902826726436615},{"word":"perfect","start":262.50497,"end":263.00497,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3838490843772888},{"word":"so","start":263.22498,"end":263.72498,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1408783197402954},{"word":"this","start":264.425,"end":264.66498,"confidence":0.79003906,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13851265609264374},{"word":"one","start":264.66498,"end":264.985,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1487557888031006},{"word":"here","start":264.985,"end":265.38498,"confidence":0.9501953,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.16037055850028992},{"word":"essentially","start":265.38498,"end":265.865,"confidence":0.98657227,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.13170351088047028},{"word":"to","start":265.865,"end":266.025,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1349303424358368},{"word":"start","start":266.025,"end":266.26498,"confidence":0.99316406,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.14621111750602722},{"word":"the","start":266.26498,"end":266.425,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1614677757024765},{"word":"recommendations","start":266.425,"end":266.925,"confidence":0.9970703,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.17274069786071777},{"word":"off","start":266.985,"end":267.145,"confidence":0.95092773,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.12874434888362885},{"word":"we","start":267.145,"end":267.305,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14521805942058563},{"word":"are","start":267.305,"end":267.465,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.15185421705245972},{"word":"looking","start":267.465,"end":267.705,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.18914344906806943},{"word":"to","start":267.705,"end":267.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17172911763191223},{"word":"do","start":267.865,"end":267.94498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16471432149410248},{"word":"a","start":267.94498,"end":268.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16704997420310974},{"word":"bit","start":268.025,"end":268.185,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16910073161125183},{"word":"of","start":268.185,"end":268.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20521590113639832},{"word":"an","start":268.345,"end":268.50497,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20718896389007568},{"word":"investment","start":268.50497,"end":268.985,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1285855770111084},{"word":"switch","start":268.985,"end":269.305,"confidence":0.9970703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.09881240129470824},{"word":"for","start":269.305,"end":269.465,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14865688979625702},{"word":"you","start":269.465,"end":269.91,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1172359064221382},{"word":"so","start":270.39,"end":270.55002,"confidence":0.97998047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07465541362762451},{"word":"at","start":270.55002,"end":270.79,"confidence":0.8701172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0694621205329895},{"word":"the","start":270.79,"end":270.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09369786083698271},{"word":"moment","start":270.87,"end":271.19,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.10565157979726791},{"word":"one","start":271.19,"end":271.35,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09243714064359664},{"word":"of","start":271.35,"end":271.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10366390645503998},{"word":"the","start":271.43,"end":271.51,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11563768982887268},{"word":"things","start":271.51,"end":271.75,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15428125858306885},{"word":"we","start":271.75,"end":271.83002,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12503981590270996},{"word":"did","start":271.83002,"end":271.99,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.12664680182933807},{"word":"sort","start":271.99,"end":272.23,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12053246796131134},{"word":"of","start":272.23,"end":272.31,"confidence":0.79833984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11907284706830978},{"word":"talk","start":272.31,"end":272.55002,"confidence":0.9838867,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1165236383676529},{"word":"about","start":272.55002,"end":272.79,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1512458622455597},{"word":"was","start":272.79,"end":273.03,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12943226099014282},{"word":"reducing","start":273.03,"end":273.43,"confidence":0.9970703,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.09984616935253143},{"word":"your","start":273.43,"end":273.59,"confidence":0.890625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0665213018655777},{"word":"risk","start":273.59,"end":273.91,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03418290615081787},{"word":"level","start":273.91,"end":274.39,"confidence":1.0,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":0.0014307722449302671},{"word":"at","start":274.39,"end":274.55002,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.051345255225896835},{"word":"the","start":274.55002,"end":274.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06457354128360748},{"word":"moment","start":274.71,"end":275.03,"confidence":0.99560547,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.07511638849973679},{"word":"you","start":275.03,"end":275.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10447175800800323},{"word":"are","start":275.27,"end":275.51,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09127382934093475},{"word":"in","start":275.51,"end":275.67,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11121494323015212},{"word":"more","start":275.67,"end":275.91,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05293317511677742},{"word":"of","start":275.91,"end":276.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08699917793273926},{"word":"a","start":276.07,"end":276.39,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06514780223369598},{"word":"a","start":276.39,"end":276.55002,"confidence":0.93847656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05505320057272911},{"word":"growth","start":276.55002,"end":276.95,"confidence":0.9873047,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08167009055614471},{"word":"environment","start":276.95,"end":277.45,"confidence":0.9692383,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.09736394882202148},{"word":"which","start":277.59,"end":277.83002,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05898367241024971},{"word":"is","start":277.83002,"end":278.07,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07465848326683044},{"word":"a","start":278.07,"end":278.15,"confidence":0.6923828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07374633848667145},{"word":"eighty","start":278.15,"end":278.47,"confidence":0.9970703,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.05744133144617081},{"word":"twenty","start":278.47,"end":278.87,"confidence":0.9140625,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.07227709889411926},{"word":"split","start":278.87,"end":279.19,"confidence":0.96777344,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.04727144539356232},{"word":"between","start":279.19,"end":279.51,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.06807886064052582},{"word":"growth","start":279.51,"end":279.75,"confidence":0.91015625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09259145706892014},{"word":"and","start":279.75,"end":279.99,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08951456099748611},{"word":"defensive","start":279.99,"end":280.49,"confidence":0.9873047,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.04898342490196228},{"word":"investments","start":280.55,"end":281.05,"confidence":0.90063477,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.0560365654528141},{"word":"and","start":281.67,"end":281.83002,"confidence":0.81640625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06528627127408981},{"word":"we","start":281.83002,"end":281.99,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0831398218870163},{"word":"did","start":281.99,"end":282.15,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07392600923776627},{"word":"talk","start":282.15,"end":282.39,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07929803431034088},{"word":"about","start":282.39,"end":282.55,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06646601110696793},{"word":"with","start":282.55,"end":282.71,"confidence":0.93603516,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06327563524246216},{"word":"the","start":282.71,"end":282.87,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06155985593795776},{"word":"market","start":282.87,"end":283.19,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.06426496058702469},{"word":"ups","start":283.19,"end":283.35,"confidence":0.9819336,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.03995896875858307},{"word":"and","start":283.35,"end":283.51,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030257880687713623},{"word":"downs","start":283.51,"end":283.75,"confidence":0.99902344,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.04065348953008652},{"word":"with","start":283.75,"end":283.91,"confidence":0.8173828,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.00014099478721618652},{"word":"you","start":283.91,"end":284.07,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022649146616458893},{"word":"being","start":284.07,"end":284.23,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.017768360674381256},{"word":"a","start":284.23,"end":284.31,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002789665013551712},{"word":"bit","start":284.31,"end":284.565,"confidence":0.95410156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0035075321793556213},{"word":"closer","start":284.645,"end":284.805,"confidence":0.984375,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.004835695028305054},{"word":"to","start":284.805,"end":285.045,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037828072905540466},{"word":"your","start":285.045,"end":285.125,"confidence":0.5600586,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07065907120704651},{"word":"retirement","start":285.125,"end":285.625,"confidence":0.68408203,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.026571400463581085},{"word":"age","start":285.685,"end":285.925,"confidence":0.97998047,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.04721108824014664},{"word":"and","start":285.925,"end":286.085,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040890105068683624},{"word":"wanting","start":286.085,"end":286.405,"confidence":0.9951172,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.1017509177327156},{"word":"to","start":286.405,"end":286.48502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11338821053504944},{"word":"access","start":286.48502,"end":286.885,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.14298468828201294},{"word":"super","start":286.885,"end":287.385,"confidence":0.50146484,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.27423325181007385},{"word":"in","start":287.605,"end":287.765,"confidence":0.9267578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14691630005836487},{"word":"a","start":287.765,"end":287.925,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10733059048652648},{"word":"shorter","start":287.925,"end":288.245,"confidence":0.9970703,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":0.09596917778253557},{"word":"time","start":288.245,"end":288.48502,"confidence":0.96972656,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.12661820650100708},{"word":"frame","start":288.48502,"end":288.805,"confidence":0.84155273,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":0.1447075605392456},{"word":"looking","start":288.805,"end":289.045,"confidence":0.9941406,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.18942944705486295},{"word":"at","start":289.045,"end":289.20502,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13527530431747437},{"word":"reducing","start":289.20502,"end":289.685,"confidence":0.98291016,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.15191711485385895},{"word":"that","start":289.685,"end":289.845,"confidence":0.9716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07578153908252716},{"word":"risk","start":289.845,"end":290.085,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.06431449949741364},{"word":"and","start":290.085,"end":290.245,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14737778902053833},{"word":"moving","start":290.245,"end":290.565,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.297410249710083},{"word":"you","start":290.565,"end":290.645,"confidence":0.89746094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2800480127334595},{"word":"more","start":290.645,"end":290.885,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2077651023864746},{"word":"into","start":290.885,"end":291.125,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2709208130836487},{"word":"that","start":291.125,"end":291.285,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25967487692832947},{"word":"balanced","start":291.285,"end":291.685,"confidence":0.86572266,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.22504274547100067},{"word":"growth","start":291.685,"end":292.005,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3671796917915344},{"word":"environment","start":292.005,"end":292.505,"confidence":0.86157227,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.20454266667366028},{"word":"so","start":292.565,"end":292.725,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07548511773347855},{"word":"we're","start":292.725,"end":292.885,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10660530626773834},{"word":"starting","start":292.885,"end":293.285,"confidence":0.99902344,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.12429153174161912},{"word":"to","start":293.285,"end":293.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1364007294178009},{"word":"step","start":293.525,"end":293.845,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.14270231127738953},{"word":"down","start":293.845,"end":294.345,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.10091070830821992},{"word":"and","start":294.645,"end":294.885,"confidence":0.91015625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13671502470970154},{"word":"reduce","start":294.885,"end":295.20502,"confidence":0.9970703,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.08686962723731995},{"word":"that","start":295.20502,"end":295.365,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08480394631624222},{"word":"risk","start":295.365,"end":295.685,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.05923720449209213},{"word":"level","start":295.685,"end":296.005,"confidence":0.9902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.023012161254882812},{"word":"gradually","start":296.005,"end":296.505,"confidence":1.0,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.1797890663146973},{"word":"for","start":296.565,"end":296.805,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17663946747779846},{"word":"you","start":296.805,"end":297.305,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12981511652469635},{"word":"we","start":297.95,"end":298.27002,"confidence":0.96972656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.13063843548297882},{"word":"are","start":298.27002,"end":298.43002,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12466437369585036},{"word":"looking","start":298.43002,"end":298.67,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1957259476184845},{"word":"to","start":298.67,"end":298.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1934630274772644},{"word":"make","start":298.75,"end":298.99002,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1897306740283966},{"word":"a","start":298.99002,"end":299.07,"confidence":0.82373047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17444828152656555},{"word":"bit","start":299.07,"end":299.23,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20237454771995544},{"word":"of","start":299.23,"end":299.39,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24125052988529205},{"word":"an","start":299.39,"end":299.47,"confidence":0.65722656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19886329770088196},{"word":"switch","start":299.47,"end":299.79,"confidence":0.37817383,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.12956085801124573},{"word":"with","start":299.79,"end":299.95,"confidence":0.5029297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18352073431015015},{"word":"the","start":299.95,"end":300.11002,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15080526471138},{"word":"investments","start":300.11002,"end":300.59003,"confidence":0.8354492,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11743146181106567},{"word":"there","start":300.59003,"end":300.83002,"confidence":0.8129883,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04610716551542282},{"word":"so","start":300.83002,"end":300.99002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11966411769390106},{"word":"you'll","start":300.99002,"end":301.23,"confidence":0.99902344,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1273496448993683},{"word":"see","start":301.23,"end":301.39,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12488839030265808},{"word":"the","start":301.39,"end":301.47,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1098625510931015},{"word":"ones","start":301.47,"end":301.79,"confidence":0.9892578,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.07744640111923218},{"word":"in","start":301.79,"end":301.95,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07020895183086395},{"word":"red","start":301.95,"end":302.19,"confidence":0.9941406,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.08779707551002502},{"word":"are","start":302.19,"end":302.27002,"confidence":0.8730469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09397035837173462},{"word":"where","start":302.27002,"end":302.51,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07054632157087326},{"word":"we're","start":302.51,"end":302.67,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10674189776182176},{"word":"selling","start":302.67,"end":302.99002,"confidence":0.8391113,"punctuated_word":"selling,","sentiment":"neutral","sentiment_score":0.0727766901254654},{"word":"and","start":302.99002,"end":303.23,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09815729409456252},{"word":"the","start":303.23,"end":303.31003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1116672158241272},{"word":"ones","start":303.31003,"end":303.47,"confidence":0.984375,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.11932769417762756},{"word":"in","start":303.47,"end":303.63,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10363351553678513},{"word":"green","start":303.63,"end":303.87003,"confidence":0.98535156,"punctuated_word":"green","sentiment":"neutral","sentiment_score":0.15028339624404907},{"word":"are","start":303.87003,"end":304.03003,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11784538626670836},{"word":"what","start":304.03003,"end":304.19,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08164878189563751},{"word":"we're","start":304.19,"end":304.27002,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15397314727306366},{"word":"gonna","start":304.27002,"end":304.59003,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18607422709465027},{"word":"be","start":304.59003,"end":304.75,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14512968063354492},{"word":"buying","start":304.75,"end":305.25,"confidence":0.9980469,"punctuated_word":"buying.","sentiment":"neutral","sentiment_score":0.12104008346796036},{"word":"so","start":305.39,"end":305.63,"confidence":0.94091797,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09845658391714096},{"word":"essentially","start":305.63,"end":306.11002,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.07278012484312057},{"word":"we'll","start":306.11002,"end":306.35,"confidence":0.9946289,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08867093175649643},{"word":"be","start":306.35,"end":306.51,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12730148434638977},{"word":"selling","start":306.51,"end":306.83002,"confidence":0.9970703,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.07520616054534912},{"word":"off","start":306.83002,"end":307.23,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0011506862938404083},{"word":"some","start":307.23,"end":307.55002,"confidence":0.91259766,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.06665809452533722},{"word":"of","start":307.55002,"end":307.71002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06655772030353546},{"word":"the","start":307.71002,"end":308.21002,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08476592600345612},{"word":"aveda","start":308.51,"end":308.91,"confidence":0.68204755,"punctuated_word":"Aveda","sentiment":"neutral","sentiment_score":0.08903416246175766},{"word":"shares","start":308.91,"end":309.31003,"confidence":0.5571289,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.07183487713336945},{"word":"cybersecurity","start":309.31003,"end":309.81003,"confidence":0.86865234,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.0753336027264595},{"word":"we","start":310.11002,"end":310.27002,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10224919766187668},{"word":"still","start":310.27002,"end":310.43002,"confidence":0.9892578,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10433214902877808},{"word":"wanna","start":310.43002,"end":310.75,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1293884515762329},{"word":"hold","start":310.75,"end":310.99002,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.07488706707954407},{"word":"about","start":310.99002,"end":311.15002,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0718943178653717},{"word":"4%","start":311.15002,"end":311.63,"confidence":0.9995117,"punctuated_word":"4%","sentiment":"neutral","sentiment_score":0.09639151394367218},{"word":"of","start":311.63,"end":311.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04046822339296341},{"word":"your","start":311.79,"end":311.95,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05824877694249153},{"word":"total","start":311.95,"end":312.35,"confidence":0.9980469,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.05934049934148789},{"word":"portfolio","start":312.35,"end":312.85,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.06707680970430374},{"word":"we're","start":313.815,"end":314.055,"confidence":0.9951172,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.08877341449260712},{"word":"gonna","start":314.055,"end":314.29498,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1014287769794464},{"word":"be","start":314.29498,"end":314.535,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0941174179315567},{"word":"selling","start":314.535,"end":314.935,"confidence":0.99902344,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.0378866046667099},{"word":"off","start":314.935,"end":315.175,"confidence":0.9838867,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.02784157544374466},{"word":"the","start":315.175,"end":315.41498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05763909965753555},{"word":"india","start":315.41498,"end":315.735,"confidence":0.9790039,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.09998200088739397},{"word":"quality","start":315.735,"end":316.215,"confidence":0.87890625,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.08726324886083603},{"word":"etf","start":316.215,"end":316.69498,"confidence":0.9506836,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.0709133967757225},{"word":"investment","start":316.69498,"end":317.19498,"confidence":0.91845703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01364734023809433},{"word":"holding","start":317.255,"end":317.57498,"confidence":0.5605469,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.007444143295288086},{"word":"none","start":317.57498,"end":317.735,"confidence":0.9111328,"punctuated_word":"none","sentiment":"neutral","sentiment_score":-0.03242134302854538},{"word":"of","start":317.735,"end":317.895,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00033342093229293823},{"word":"that","start":317.895,"end":318.055,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006960868835449219},{"word":"in","start":318.055,"end":318.135,"confidence":0.8183594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01243409514427185},{"word":"the","start":318.135,"end":318.215,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06201368570327759},{"word":"newer","start":318.215,"end":318.615,"confidence":0.95703125,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":-0.007347617298364639},{"word":"portfolio","start":318.615,"end":319.115,"confidence":0.9633789,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.023912854492664337},{"word":"with","start":319.895,"end":320.215,"confidence":0.9902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.1007620170712471},{"word":"the","start":320.215,"end":320.455,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10470985621213912},{"word":"health","start":320.455,"end":320.69498,"confidence":0.8310547,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.14198604226112366},{"word":"care","start":320.69498,"end":320.935,"confidence":0.99902344,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.16322650015354156},{"word":"side","start":320.935,"end":321.175,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.11370242387056352},{"word":"of","start":321.175,"end":321.255,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1018335223197937},{"word":"things","start":321.255,"end":321.655,"confidence":0.99902344,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.1063869297504425},{"word":"we'll","start":321.655,"end":321.815,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.14298616349697113},{"word":"sell","start":321.815,"end":322.055,"confidence":0.9951172,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2727331817150116},{"word":"that","start":322.055,"end":322.29498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2098502218723297},{"word":"completely","start":322.29498,"end":322.775,"confidence":0.99902344,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.2603982985019684},{"word":"down","start":322.775,"end":323.095,"confidence":0.99316406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.08080966770648956},{"word":"as","start":323.095,"end":323.255,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08535073697566986},{"word":"well","start":323.255,"end":323.755,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.08848246186971664},{"word":"we","start":324.055,"end":324.215,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.00642511248588562},{"word":"are","start":324.215,"end":324.375,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.029279887676239017},{"word":"gonna","start":324.375,"end":324.615,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05846838653087616},{"word":"retain","start":324.615,"end":325.115,"confidence":0.9941406,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.12117736041545868},{"word":"the","start":325.495,"end":325.735,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1181083247065544},{"word":"s","start":325.735,"end":325.815,"confidence":0.8535156,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.08910296857357025},{"word":"and","start":325.815,"end":326.055,"confidence":0.93359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09734071046113968},{"word":"p","start":326.055,"end":326.29498,"confidence":0.9980469,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.1065293550491333},{"word":"500","start":326.29498,"end":326.85498,"confidence":0.8585205,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.16530610620975494},{"word":"so","start":326.85498,"end":327.095,"confidence":0.96533203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18584349751472473},{"word":"buying","start":327.095,"end":327.335,"confidence":0.9970703,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.13064807653427124},{"word":"a","start":327.335,"end":327.41498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1830550730228424},{"word":"bit","start":327.41498,"end":327.655,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10060882568359376},{"word":"more","start":327.655,"end":327.815,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11275678873062134},{"word":"of","start":327.815,"end":327.97498,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16674256324768066},{"word":"that","start":327.97498,"end":328.13498,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1594657152891159},{"word":"in","start":328.13498,"end":328.29498,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14040935039520264},{"word":"there","start":328.29498,"end":328.77,"confidence":0.9304199,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09635486453771593},{"word":"i","start":328.84998,"end":328.93,"confidence":0.6791992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03113137185573578},{"word":"know","start":328.93,"end":329.09,"confidence":0.9892578,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04805915057659149},{"word":"there","start":329.09,"end":329.25,"confidence":0.9589844,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.018124759197235107},{"word":"has","start":329.25,"end":329.41,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.05242203176021576},{"word":"been","start":329.41,"end":329.65,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04816347360610962},{"word":"a","start":329.65,"end":329.72998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02550499141216278},{"word":"bit","start":329.72998,"end":329.88998,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.023294523358345032},{"word":"of","start":329.88998,"end":329.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09890761226415634},{"word":"a","start":329.97,"end":330.05,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1376245617866516},{"word":"question","start":330.05,"end":330.44998,"confidence":1.0,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.054486729204654694},{"word":"about","start":330.44998,"end":330.69,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1121230274438858},{"word":"the","start":330.69,"end":330.93,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.13031381368637085},{"word":"us","start":330.93,"end":331.33,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.16868796944618225},{"word":"and","start":331.33,"end":331.56998,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0676255077123642},{"word":"how","start":331.56998,"end":331.81,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.05799400806427002},{"word":"it's","start":331.81,"end":331.97,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06619304418563843},{"word":"also","start":331.97,"end":332.37,"confidence":0.94140625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.05920550227165222},{"word":"going","start":332.37,"end":332.77,"confidence":0.8544922,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.00815609097480774},{"word":"but","start":332.77,"end":333.00998,"confidence":0.88305664,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.06737513840198517},{"word":"realistically","start":333.00998,"end":333.50998,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.2220672219991684},{"word":"it","start":333.88998,"end":334.12997,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35921159386634827},{"word":"is","start":334.12997,"end":334.28998,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35879576206207275},{"word":"still","start":334.28998,"end":334.44998,"confidence":0.92578125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3294569253921509},{"word":"a","start":334.44998,"end":334.53,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4193333387374878},{"word":"really","start":334.53,"end":334.77,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5368786454200745},{"word":"good","start":334.77,"end":334.93,"confidence":0.9951172,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4661386013031006},{"word":"place","start":334.93,"end":335.16998,"confidence":0.9980469,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.39396387338638306},{"word":"to","start":335.16998,"end":335.33,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3537546396255493},{"word":"be","start":335.33,"end":335.49,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32750290632247925},{"word":"invested","start":335.49,"end":335.97,"confidence":0.9482422,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.27120232582092285},{"word":"so","start":335.97,"end":336.21,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2391524314880371},{"word":"it","start":336.21,"end":336.28998,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19489897787570953},{"word":"does","start":336.28998,"end":336.53,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12301407754421234},{"word":"have","start":336.53,"end":336.77,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1365654468536377},{"word":"ups","start":336.77,"end":336.93,"confidence":0.97802734,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.14557170867919922},{"word":"and","start":336.93,"end":337.09,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04590098559856415},{"word":"downs","start":337.09,"end":337.40997,"confidence":0.9970703,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.09338141977787018},{"word":"in","start":337.40997,"end":337.49,"confidence":0.92822266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13999204337596893},{"word":"the","start":337.49,"end":337.65,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11478947103023528},{"word":"shorter","start":337.65,"end":338.05,"confidence":0.9892578,"punctuated_word":"shorter","sentiment":"neutral","sentiment_score":-0.1734285056591034},{"word":"term","start":338.05,"end":338.28998,"confidence":0.92333984,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.07137342542409897},{"word":"but","start":338.28998,"end":338.53,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.023140549659729004},{"word":"over","start":338.53,"end":338.77,"confidence":0.9760742,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20825542509555817},{"word":"the","start":338.77,"end":338.93,"confidence":0.92089844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.158889040350914},{"word":"longer","start":338.93,"end":339.25,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.15092454850673676},{"word":"term","start":339.25,"end":339.56998,"confidence":0.984375,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":0.24437759816646576},{"word":"international","start":339.56998,"end":340.06998,"confidence":0.9892578,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.27787020802497864},{"word":"equity","start":340.12997,"end":340.61,"confidence":0.6645508,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.32162222266197205},{"word":"still","start":340.61,"end":341.00998,"confidence":0.99609375,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.33366408944129944},{"word":"do","start":341.00998,"end":341.16998,"confidence":0.86279297,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4844033122062683},{"word":"really","start":341.16998,"end":341.56998,"confidence":0.9951172,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.458822101354599},{"word":"perform","start":341.56998,"end":342.05,"confidence":0.99609375,"punctuated_word":"perform","sentiment":"positive","sentiment_score":0.3937947750091553},{"word":"very","start":342.05,"end":342.28998,"confidence":0.9628906,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.42704206705093384},{"word":"very","start":342.28998,"end":342.53,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5190736055374146},{"word":"well","start":342.53,"end":343.03,"confidence":0.97265625,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2628757953643799},{"word":"so","start":343.795,"end":344.035,"confidence":0.95410156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1262371838092804},{"word":"we","start":344.035,"end":344.195,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13498929142951965},{"word":"do","start":344.195,"end":344.355,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14813482761383057},{"word":"wanna","start":344.355,"end":344.595,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.21520684659481049},{"word":"hold","start":344.595,"end":344.835,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1352681815624237},{"word":"about","start":344.835,"end":345.075,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10635464638471603},{"word":"25%","start":345.075,"end":346.115,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.18677571415901184},{"word":"there","start":346.115,"end":346.615,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16409209370613098},{"word":"one","start":346.915,"end":347.075,"confidence":0.98095703,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.11565729975700378},{"word":"of","start":347.075,"end":347.155,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07954809814691544},{"word":"the","start":347.155,"end":347.235,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1161440759897232},{"word":"other","start":347.235,"end":347.395,"confidence":0.9892578,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13204896450042725},{"word":"things","start":347.395,"end":347.635,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1372917741537094},{"word":"i","start":347.635,"end":347.795,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1233745813369751},{"word":"do","start":347.795,"end":347.955,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17044822871685028},{"word":"like","start":347.955,"end":348.195,"confidence":0.9838867,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.20907878875732425},{"word":"to","start":348.195,"end":348.275,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23807330429553983},{"word":"kinda","start":348.275,"end":348.51498,"confidence":0.69677734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2663043141365051},{"word":"point","start":348.51498,"end":348.755,"confidence":0.9951172,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.22807934880256653},{"word":"out","start":348.755,"end":348.915,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3074512183666229},{"word":"is","start":348.915,"end":349.155,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23514720797538757},{"word":"with","start":349.155,"end":349.315,"confidence":0.9580078,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21247749030590057},{"word":"the","start":349.315,"end":349.475,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14263522624969482},{"word":"s","start":349.475,"end":349.635,"confidence":0.9277344,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.08890479803085327},{"word":"and","start":349.635,"end":349.795,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08526541292667389},{"word":"p","start":349.795,"end":350.035,"confidence":1.0,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.07435429096221924},{"word":"500","start":350.035,"end":350.775,"confidence":0.98950195,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.11996802687644958},{"word":"this","start":351.075,"end":351.315,"confidence":0.9770508,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1381567120552063},{"word":"investment","start":351.315,"end":351.715,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12746348977088928},{"word":"is","start":351.715,"end":351.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15028148889541626},{"word":"tracking","start":351.875,"end":352.275,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.14486569166183472},{"word":"an","start":352.275,"end":352.435,"confidence":0.9536133,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14766336977481842},{"word":"index","start":352.435,"end":352.915,"confidence":0.8430176,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":0.12232649326324464},{"word":"so","start":352.915,"end":353.075,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11094224452972412},{"word":"you're","start":353.075,"end":353.235,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11804291605949402},{"word":"tracking","start":353.235,"end":353.555,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.09537637233734132},{"word":"the","start":353.555,"end":353.715,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1001717522740364},{"word":"top","start":353.715,"end":353.955,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0937633141875267},{"word":"500","start":353.955,"end":354.595,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.06847820430994034},{"word":"companies","start":354.595,"end":355.075,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.06788001209497452},{"word":"in","start":355.075,"end":355.235,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06405453383922577},{"word":"the","start":355.235,"end":355.475,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04838251695036888},{"word":"us","start":355.475,"end":355.975,"confidence":0.9904785,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.05069768056273461},{"word":"to","start":356.72,"end":356.88,"confidence":0.9980469,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.07525630295276642},{"word":"be","start":356.88,"end":357.04,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07047748565673828},{"word":"in","start":357.04,"end":357.36002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05442332476377487},{"word":"that","start":357.36002,"end":357.68002,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058053597807884216},{"word":"index","start":357.68002,"end":358.18002,"confidence":0.9941406,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.05024315416812897},{"word":"these","start":358.48,"end":358.72,"confidence":0.9589844,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.013827234506607056},{"word":"companies","start":358.72,"end":359.2,"confidence":0.9970703,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.023090794682502747},{"word":"actually","start":359.2,"end":359.36002,"confidence":0.9873047,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0357726588845253},{"word":"have","start":359.36002,"end":359.6,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.042549848556518555},{"word":"to","start":359.6,"end":359.68002,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025861062109470367},{"word":"meet","start":359.68002,"end":359.84003,"confidence":0.9941406,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.04823654145002365},{"word":"a","start":359.84003,"end":359.92,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057607512921094894},{"word":"certain","start":359.92,"end":360.32,"confidence":0.9970703,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.021853238344192505},{"word":"criteria","start":360.32,"end":360.82,"confidence":0.9736328,"punctuated_word":"criteria.","sentiment":"neutral","sentiment_score":-0.0001504644751548767},{"word":"so","start":361.28003,"end":361.52002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03662790358066559},{"word":"if","start":361.52002,"end":361.76,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09775001555681229},{"word":"they","start":361.76,"end":361.92,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15123268961906433},{"word":"don't","start":361.92,"end":362.16,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1329057812690735},{"word":"meet","start":362.16,"end":362.32,"confidence":0.9941406,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.0907437652349472},{"word":"the","start":362.32,"end":362.56003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11471249163150787},{"word":"criteria","start":362.56003,"end":363.06003,"confidence":0.9980469,"punctuated_word":"criteria,","sentiment":"neutral","sentiment_score":-0.1360255479812622},{"word":"they're","start":363.12003,"end":363.44,"confidence":0.9785156,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.1760237216949463},{"word":"removed","start":363.44,"end":363.76,"confidence":0.99902344,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.29280057549476624},{"word":"from","start":363.76,"end":364.0,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.28550970554351807},{"word":"the","start":364.0,"end":364.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1643013060092926},{"word":"index","start":364.16,"end":364.64,"confidence":1.0,"punctuated_word":"index","sentiment":"neutral","sentiment_score":-0.17283184826374054},{"word":"and","start":364.64,"end":364.80002,"confidence":0.8251953,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11763827502727509},{"word":"therefore","start":364.80002,"end":365.2,"confidence":0.6948242,"punctuated_word":"therefore","sentiment":"neutral","sentiment_score":-0.05125739425420761},{"word":"removed","start":365.2,"end":365.52002,"confidence":0.8828125,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.15207046270370483},{"word":"from","start":365.52002,"end":365.84003,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1274535059928894},{"word":"these","start":365.84003,"end":366.08002,"confidence":0.9707031,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.08327597379684448},{"word":"investments","start":366.08002,"end":366.56003,"confidence":0.99121094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.08483661711215973},{"word":"that","start":366.56003,"end":366.80002,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.056597791612148285},{"word":"track","start":366.80002,"end":367.04,"confidence":0.93115234,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.05712801218032837},{"word":"the","start":367.04,"end":367.2,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03877127915620804},{"word":"index","start":367.2,"end":367.68002,"confidence":0.99194336,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":-0.03831629455089569},{"word":"so","start":367.68002,"end":368.18002,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01740511879324913},{"word":"yeah","start":368.72,"end":369.22,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.054775115102529526},{"word":"yep","start":370.775,"end":371.275,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.2439396232366562},{"word":"absolutely","start":372.375,"end":372.875,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1543239802122116},{"word":"yeah","start":373.25497,"end":373.57498,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1106523871421814},{"word":"so","start":373.57498,"end":373.735,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09048519283533096},{"word":"you","start":373.735,"end":373.895,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1999788135290146},{"word":"are","start":373.895,"end":374.13498,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17278394103050232},{"word":"always","start":374.13498,"end":374.375,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.251342236995697},{"word":"tracking","start":374.375,"end":374.69498,"confidence":0.99121094,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.15654639899730682},{"word":"the","start":374.69498,"end":374.85498,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17388328909873962},{"word":"top","start":374.85498,"end":375.09497,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.15282544493675232},{"word":"500","start":375.09497,"end":375.655,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1560945212841034},{"word":"companies","start":375.655,"end":376.13498,"confidence":0.96240234,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.17209577560424805},{"word":"which","start":376.13498,"end":376.375,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.26793959736824036},{"word":"is","start":376.375,"end":376.53497,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3747115135192871},{"word":"really","start":376.53497,"end":376.775,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.45834219455718994},{"word":"good","start":376.775,"end":377.01498,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.34253501892089844},{"word":"to","start":377.01498,"end":377.175,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35576242208480835},{"word":"kind","start":377.175,"end":377.335,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.32659706473350525},{"word":"of","start":377.335,"end":377.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30540338158607483},{"word":"know","start":377.495,"end":377.995,"confidence":0.99658203,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.26764029264450073},{"word":"yeah","start":378.055,"end":378.555,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07006612420082092},{"word":"so","start":379.655,"end":379.895,"confidence":0.8671875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021323248744010925},{"word":"with","start":379.895,"end":380.13498,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06123808398842811},{"word":"the","start":380.13498,"end":380.29498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04804497957229614},{"word":"rest","start":380.29498,"end":380.53497,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":-0.031407326459884644},{"word":"of","start":380.53497,"end":380.615,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04610901698470116},{"word":"them","start":380.615,"end":380.775,"confidence":0.9941406,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.04899202287197113},{"word":"we've","start":380.775,"end":381.01498,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.01421724073588848},{"word":"got","start":381.01498,"end":381.175,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02016450837254524},{"word":"the","start":381.175,"end":381.655,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01616750657558441},{"word":"beta","start":381.655,"end":381.97498,"confidence":0.41357422,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":-0.006178431212902069},{"word":"shares","start":381.97498,"end":382.375,"confidence":0.94384766,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.034428998827934265},{"word":"rafi","start":382.375,"end":382.775,"confidence":0.58239746,"punctuated_word":"Rafi","sentiment":"neutral","sentiment_score":-0.005147404037415981},{"word":"a","start":382.775,"end":382.935,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01365228183567524},{"word":"200","start":382.935,"end":383.57498,"confidence":0.9980469,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.0067701637744903564},{"word":"there","start":383.57498,"end":384.07498,"confidence":0.7751465,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.021698955446481705},{"word":"the","start":384.25998,"end":384.66,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.038599275052547455},{"word":"australian","start":384.66,"end":385.06,"confidence":0.9951172,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.00653780996799469},{"word":"two","start":385.06,"end":385.22,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.03377194330096245},{"word":"hundred","start":385.22,"end":385.46,"confidence":0.9655762,"punctuated_word":"hundred.","sentiment":"neutral","sentiment_score":-0.04111907631158829},{"word":"we're","start":385.46,"end":385.69998,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.10842911899089812},{"word":"going","start":385.69998,"end":385.94,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.10327328741550446},{"word":"to","start":385.94,"end":386.02,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08354881405830383},{"word":"get","start":386.02,"end":386.18,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1343129724264145},{"word":"rid","start":386.18,"end":386.34,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.17602142691612244},{"word":"of","start":386.34,"end":386.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1385791003704071},{"word":"that","start":386.5,"end":386.66,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11955349147319794},{"word":"investment","start":386.66,"end":387.16,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.14209778606891632},{"word":"completely","start":387.22,"end":387.72,"confidence":0.9133301,"punctuated_word":"completely,","sentiment":"neutral","sentiment_score":-0.037104107439517975},{"word":"and","start":387.78,"end":388.02,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.028919897973537445},{"word":"we","start":388.02,"end":388.18,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07530811429023743},{"word":"are","start":388.18,"end":388.34,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06085857003927231},{"word":"also","start":388.34,"end":388.66,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.08018618822097778},{"word":"getting","start":388.66,"end":388.9,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.09422817081212996},{"word":"rid","start":388.9,"end":389.13998,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.19127067923545835},{"word":"of","start":389.13998,"end":389.22,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22666685283184052},{"word":"bennelong","start":389.22,"end":389.72,"confidence":0.75927734,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.20013678073883057},{"word":"australian","start":389.78,"end":390.18,"confidence":0.96777344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.02842472493648529},{"word":"equities","start":390.18,"end":390.66,"confidence":0.77766925,"punctuated_word":"Equities.","sentiment":"neutral","sentiment_score":-0.0936543345451355},{"word":"it's","start":390.66,"end":390.82,"confidence":0.9914551,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.19254574179649353},{"word":"the","start":390.82,"end":390.97998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20555339753627777},{"word":"one","start":390.97998,"end":391.13998,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.28416386246681213},{"word":"that","start":391.13998,"end":391.3,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.29582223296165466},{"word":"has","start":391.3,"end":391.53998,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.37198713421821594},{"word":"been","start":391.53998,"end":391.78,"confidence":1.0,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3876180052757263},{"word":"underperforming","start":391.78,"end":392.28,"confidence":0.99072266,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.4610668420791626},{"word":"a","start":392.58,"end":392.66,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4073212742805481},{"word":"bit","start":392.66,"end":392.9,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3495842218399048},{"word":"in","start":392.9,"end":393.13998,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.38758209347724915},{"word":"recent","start":393.13998,"end":393.53998,"confidence":0.99902344,"punctuated_word":"recent","sentiment":"negative","sentiment_score":-0.400190532207489},{"word":"months","start":393.53998,"end":393.86,"confidence":0.9941406,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.2838522791862488},{"word":"there","start":393.86,"end":394.36,"confidence":0.97021484,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.20581190288066864},{"word":"bennelong","start":394.9,"end":395.4,"confidence":0.9719238,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.037194810807704926},{"word":"was","start":395.86,"end":396.02,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06157376617193222},{"word":"meant","start":396.02,"end":396.25998,"confidence":0.9980469,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.01824519783258438},{"word":"to","start":396.25998,"end":396.41998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016983792185783386},{"word":"be","start":396.41998,"end":396.58,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.011568322777748108},{"word":"more","start":396.58,"end":396.74,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0011568963527679443},{"word":"of","start":396.74,"end":396.82,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.026720941066741943},{"word":"an","start":396.82,"end":396.97998,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0456436350941658},{"word":"actively","start":396.97998,"end":397.47998,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.09945271909236908},{"word":"managed","start":397.53998,"end":398.02,"confidence":0.9970703,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.02033136785030365},{"word":"fund","start":398.02,"end":398.25998,"confidence":0.9980469,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.02596917748451233},{"word":"within","start":398.25998,"end":398.58,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.026593275368213657},{"word":"your","start":398.58,"end":398.9,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09012353420257568},{"word":"portfolio","start":398.9,"end":399.4,"confidence":0.92626953,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03340153396129608},{"word":"and","start":400.125,"end":400.285,"confidence":0.9536133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05565958470106125},{"word":"it","start":400.285,"end":400.36502,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05128208547830582},{"word":"was","start":400.36502,"end":400.685,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02281907945871353},{"word":"supposed","start":400.685,"end":401.005,"confidence":0.97802734,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.09729717671871184},{"word":"to","start":401.005,"end":401.165,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07687756419181824},{"word":"be","start":401.165,"end":401.64502,"confidence":0.9838867,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06240963190793991},{"word":"the","start":401.80502,"end":401.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04768636077642441},{"word":"idea","start":401.965,"end":402.36502,"confidence":0.99902344,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.02792598307132721},{"word":"of","start":402.36502,"end":402.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02496020868420601},{"word":"this","start":402.445,"end":402.685,"confidence":0.87353516,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.01385992392897606},{"word":"sort","start":402.685,"end":402.845,"confidence":0.9277344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0021444186568260193},{"word":"of","start":402.845,"end":402.92502,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03418155014514923},{"word":"active","start":402.92502,"end":403.325,"confidence":0.99902344,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.06035109609365463},{"word":"management","start":403.325,"end":403.725,"confidence":0.99902344,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.030178755521774292},{"word":"or","start":403.725,"end":403.885,"confidence":0.8769531,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04098910838365555},{"word":"the","start":403.885,"end":403.965,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052313923835754395},{"word":"active","start":403.965,"end":404.285,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.057634659111499786},{"word":"manager","start":404.285,"end":404.685,"confidence":0.9091797,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.039801225066185},{"word":"for","start":404.685,"end":404.765,"confidence":0.95947266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05517035350203514},{"word":"bennelong","start":404.765,"end":405.245,"confidence":0.7871094,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.03413582965731621},{"word":"was","start":405.245,"end":405.405,"confidence":0.8442383,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03242030367255211},{"word":"that","start":405.405,"end":405.48502,"confidence":0.72509766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0236330758780241},{"word":"they're","start":405.48502,"end":405.565,"confidence":0.94555664,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.01919446885585785},{"word":"meant","start":405.565,"end":405.725,"confidence":0.98828125,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.011751048266887665},{"word":"to","start":405.725,"end":405.885,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015436511486768724},{"word":"be","start":405.885,"end":405.965,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.028203114867210388},{"word":"buying","start":405.965,"end":406.285,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.05270678177475929},{"word":"and","start":406.285,"end":406.36502,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.003470025956630707},{"word":"selling","start":406.36502,"end":406.765,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.011305727064609528},{"word":"investments","start":406.765,"end":407.165,"confidence":0.6557617,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.025676675140857697},{"word":"and","start":407.165,"end":407.325,"confidence":0.95166016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05048843100667},{"word":"trying","start":407.325,"end":407.565,"confidence":0.8017578,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04916851222515106},{"word":"to","start":407.565,"end":407.725,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.062179163098335266},{"word":"outperform","start":407.725,"end":408.20502,"confidence":0.98999023,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.06667691469192505},{"word":"against","start":408.20502,"end":408.605,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.0927916169166565},{"word":"the","start":408.605,"end":408.765,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03233598172664642},{"word":"market","start":408.765,"end":409.08502,"confidence":0.9716797,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.04617428034543991},{"word":"or","start":409.08502,"end":409.245,"confidence":0.95410156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.005960524082183838},{"word":"the","start":409.245,"end":409.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014017283916473389},{"word":"index","start":409.405,"end":409.80502,"confidence":0.9951172,"punctuated_word":"index","sentiment":"neutral","sentiment_score":-0.04026360809803009},{"word":"that","start":409.80502,"end":409.885,"confidence":0.90283203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011051196604967116},{"word":"they're","start":409.885,"end":410.125,"confidence":0.99365234,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.02497844025492668},{"word":"trying","start":410.125,"end":410.285,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.0066317059099674225},{"word":"to","start":410.285,"end":410.785,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.000966012477874756},{"word":"track","start":411.005,"end":411.505,"confidence":0.7390137,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.003069082275032997},{"word":"but","start":411.725,"end":412.14,"confidence":0.96240234,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09295187890529633},{"word":"they","start":412.22,"end":412.38,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1958516538143158},{"word":"haven't","start":412.38,"end":412.54,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.25705063343048096},{"word":"been","start":412.54,"end":412.7,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2764691412448883},{"word":"able","start":412.7,"end":413.02002,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.25372621417045593},{"word":"to","start":413.02002,"end":413.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23768216371536255},{"word":"do","start":413.1,"end":413.34003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2091854214668274},{"word":"that","start":413.34003,"end":413.5,"confidence":0.97875977,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.20180587470531464},{"word":"they've","start":413.5,"end":413.66,"confidence":0.9790039,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":-0.3103084862232208},{"word":"had","start":413.66,"end":413.82,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.26929834485054016},{"word":"some","start":413.82,"end":414.06003,"confidence":0.99902344,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.34939107298851013},{"word":"underlying","start":414.06003,"end":414.56003,"confidence":0.99902344,"punctuated_word":"underlying","sentiment":"neutral","sentiment_score":-0.32148587703704834},{"word":"issues","start":414.62003,"end":415.02002,"confidence":0.7973633,"punctuated_word":"issues,","sentiment":"negative","sentiment_score":-0.37737125158309937},{"word":"so","start":415.02002,"end":415.26,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.31732964515686035},{"word":"we've","start":415.26,"end":415.58002,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.3119451403617859},{"word":"reviewed","start":415.58002,"end":415.98,"confidence":0.99902344,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":-0.2766239643096924},{"word":"them","start":415.98,"end":416.14,"confidence":0.99902344,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.38197433948516846},{"word":"and","start":416.14,"end":416.30002,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3245195746421814},{"word":"decided","start":416.30002,"end":416.78003,"confidence":0.9892578,"punctuated_word":"decided","sentiment":"negative","sentiment_score":-0.4088782072067261},{"word":"they're","start":416.78003,"end":417.02002,"confidence":0.9946289,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.4865373075008392},{"word":"not","start":417.02002,"end":417.18002,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5275515913963318},{"word":"worth","start":417.18002,"end":417.42,"confidence":1.0,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.4213546812534332},{"word":"keeping","start":417.42,"end":417.74002,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"negative","sentiment_score":-0.5447120666503906},{"word":"in","start":417.74002,"end":417.90002,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5669894218444824},{"word":"the","start":417.90002,"end":418.14,"confidence":0.99609375,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4819675087928772},{"word":"portfolio","start":418.14,"end":418.64,"confidence":0.9921875,"punctuated_word":"portfolio.","sentiment":"negative","sentiment_score":-0.3731909394264221},{"word":"so","start":419.58002,"end":419.74002,"confidence":0.94189453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.055691178888082504},{"word":"we","start":419.74002,"end":419.90002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03885123133659363},{"word":"are","start":419.90002,"end":420.14,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07028396427631378},{"word":"gonna","start":420.14,"end":420.46002,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.031999096274375916},{"word":"replace","start":420.46002,"end":420.86002,"confidence":0.9980469,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.08102007955312729},{"word":"them","start":420.86002,"end":421.18002,"confidence":0.94677734,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.03713488578796387},{"word":"and","start":421.18002,"end":421.34003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019234664738178253},{"word":"we're","start":421.34003,"end":421.58002,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03980574011802673},{"word":"replacing","start":421.58002,"end":422.06003,"confidence":0.9980469,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.006463445723056793},{"word":"them","start":422.06003,"end":422.30002,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.03631780296564102},{"word":"with","start":422.30002,"end":422.54,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.010685555636882782},{"word":"something","start":422.54,"end":422.86002,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.00979660451412201},{"word":"a","start":422.86002,"end":422.94,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038486309349536896},{"word":"little","start":422.94,"end":423.18002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04824169725179672},{"word":"bit","start":423.18002,"end":423.42,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.027111217379570007},{"word":"better","start":423.42,"end":423.74002,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.032818011939525604},{"word":"so","start":423.74002,"end":423.98,"confidence":0.43579102,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09481463581323624},{"word":"also","start":424.14,"end":424.46002,"confidence":0.6191406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1300358772277832},{"word":"cheaper","start":424.46002,"end":424.96002,"confidence":0.99316406,"punctuated_word":"cheaper.","sentiment":"neutral","sentiment_score":0.09254668653011322},{"word":"we're","start":425.345,"end":425.58502,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.19201800227165225},{"word":"actually","start":425.58502,"end":425.90503,"confidence":0.98095703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.200162872672081},{"word":"on","start":425.90503,"end":426.225,"confidence":0.65625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2268755733966827},{"word":"the","start":426.225,"end":426.385,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2258284091949463},{"word":"top","start":426.385,"end":426.545,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.30612921714782715},{"word":"of","start":426.545,"end":426.785,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2584327757358551},{"word":"the","start":426.785,"end":426.945,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2274624705314636},{"word":"next","start":426.945,"end":427.18503,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19355908036231995},{"word":"page","start":427.18503,"end":427.665,"confidence":0.6850586,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.16990356147289276},{"word":"we're","start":427.665,"end":427.90503,"confidence":0.94677734,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1311991810798645},{"word":"placing","start":427.90503,"end":428.225,"confidence":0.9633789,"punctuated_word":"placing","sentiment":"neutral","sentiment_score":0.1289309561252594},{"word":"them","start":428.225,"end":428.46503,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.09425871819257736},{"word":"with","start":428.46503,"end":428.545,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08703926205635071},{"word":"the","start":428.545,"end":428.785,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10889032483100893},{"word":"a","start":428.785,"end":429.02502,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10544414073228836},{"word":"200","start":429.02502,"end":429.505,"confidence":0.9980469,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.12439926713705064},{"word":"here","start":429.505,"end":429.74503,"confidence":0.6796875,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.09091052412986755},{"word":"so","start":429.74503,"end":429.90503,"confidence":0.90478516,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08898776769638062},{"word":"the","start":429.90503,"end":429.98502,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09730581939220428},{"word":"betashares","start":429.98502,"end":430.48502,"confidence":0.7340088,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.08748843520879745},{"word":"australian","start":430.70502,"end":431.20502,"confidence":0.96777344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.09669778496026991},{"word":"200","start":431.265,"end":431.92502,"confidence":0.993042,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.08600500226020813},{"word":"by","start":433.18503,"end":433.505,"confidence":0.8535156,"punctuated_word":"By","sentiment":"neutral","sentiment_score":0.08104370534420013},{"word":"doing","start":433.505,"end":433.825,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.09026218950748444},{"word":"this","start":433.825,"end":434.225,"confidence":0.99609375,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.11277835071086884},{"word":"the","start":434.225,"end":434.46503,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12320499122142792},{"word":"a","start":434.46503,"end":434.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13750213384628296},{"word":"200","start":434.625,"end":435.18503,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.12087666243314744},{"word":"tracks","start":435.18503,"end":435.505,"confidence":0.9604492,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.11458273977041245},{"word":"the","start":435.505,"end":435.665,"confidence":0.9375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12535691261291504},{"word":"top","start":435.665,"end":435.90503,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.14085689187049866},{"word":"200","start":435.90503,"end":436.46503,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.15480691194534302},{"word":"companies","start":436.46503,"end":436.86502,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.11038047820329666},{"word":"on","start":436.86502,"end":437.105,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16098561882972717},{"word":"the","start":437.105,"end":437.265,"confidence":0.9140625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16491460800170898},{"word":"asx","start":437.265,"end":437.765,"confidence":0.8963216,"punctuated_word":"ASX.","sentiment":"neutral","sentiment_score":0.12314435094594955},{"word":"been","start":438.65,"end":439.05,"confidence":0.6772461,"punctuated_word":"Been","sentiment":"neutral","sentiment_score":0.08298495411872864},{"word":"along","start":439.05,"end":439.55,"confidence":0.8642578,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.09350839257240295},{"word":"generally","start":440.01,"end":440.41,"confidence":0.38623047,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.08298718184232712},{"word":"held","start":440.41,"end":440.65,"confidence":0.9526367,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.10038620233535768},{"word":"between","start":440.65,"end":441.05,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.10123006254434586},{"word":"15","start":441.05,"end":441.44998,"confidence":0.99609375,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.14826397597789764},{"word":"to","start":441.44998,"end":441.61,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055111564695835114},{"word":"30","start":441.61,"end":441.93,"confidence":0.9980469,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.11489973962306976},{"word":"different","start":441.93,"end":442.25,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0963391214609146},{"word":"investment","start":442.25,"end":442.73,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.030863001942634583},{"word":"options","start":442.73,"end":443.21,"confidence":0.78564453,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.08510847389698029},{"word":"whereas","start":443.21,"end":443.44998,"confidence":0.9760742,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.09138491004705428},{"word":"the","start":443.44998,"end":443.61,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08409851789474487},{"word":"a","start":443.61,"end":443.85,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13856664299964905},{"word":"200","start":443.85,"end":444.33,"confidence":0.9411621,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.14676788449287417},{"word":"you've","start":444.33,"end":444.83,"confidence":0.97143555,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.21310298144817352},{"word":"increased","start":445.53,"end":446.01,"confidence":0.88134766,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.2621276080608368},{"word":"the","start":446.01,"end":446.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25322237610816956},{"word":"diversification","start":446.49,"end":446.99,"confidence":0.9926758,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.2655072808265686},{"word":"by","start":447.44998,"end":447.77,"confidence":0.8852539,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.18804405629634857},{"word":"having","start":447.77,"end":448.16998,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2355061173439026},{"word":"exposures","start":448.16998,"end":448.57,"confidence":0.58447266,"punctuated_word":"exposures","sentiment":"neutral","sentiment_score":0.18688616156578064},{"word":"to","start":448.57,"end":448.72998,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1969510167837143},{"word":"the","start":448.72998,"end":448.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16250792145729065},{"word":"top","start":448.81,"end":449.05,"confidence":0.9980469,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.13547749817371368},{"word":"200","start":449.05,"end":449.61,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.16596336662769318},{"word":"companies","start":449.61,"end":450.11,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.10223519802093506},{"word":"on","start":450.16998,"end":450.33,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1294395923614502},{"word":"the","start":450.33,"end":450.57,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11417233198881148},{"word":"australian","start":450.57,"end":451.07,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.13894863426685333},{"word":"share","start":451.13,"end":451.44998,"confidence":0.96435547,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.13500633835792542},{"word":"market","start":451.44998,"end":451.85,"confidence":0.920166,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.11958019435405733},{"word":"so","start":451.85,"end":452.295,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15275758504867554},{"word":"it's","start":452.375,"end":452.535,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2255483865737915},{"word":"more","start":452.535,"end":452.695,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.20808358490467072},{"word":"of","start":452.695,"end":452.77502,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21474948525428772},{"word":"a","start":452.77502,"end":452.855,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.260485976934433},{"word":"passively","start":452.855,"end":453.33502,"confidence":0.78271484,"punctuated_word":"passively","sentiment":"neutral","sentiment_score":0.29345154762268066},{"word":"managed","start":453.33502,"end":453.815,"confidence":0.98095703,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.21983139216899872},{"word":"fund","start":453.815,"end":453.975,"confidence":0.92285156,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.21581265330314636},{"word":"it's","start":453.975,"end":454.21503,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3899703919887543},{"word":"actually","start":454.21503,"end":454.535,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3972183167934418},{"word":"cheaper","start":454.535,"end":454.93503,"confidence":0.9951172,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.4348873198032379},{"word":"to","start":454.93503,"end":455.015,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3481406569480896},{"word":"hold","start":455.015,"end":455.33502,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.2906554341316223},{"word":"in","start":455.33502,"end":455.415,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31719285249710083},{"word":"your","start":455.415,"end":455.655,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3244844973087311},{"word":"portfolio","start":455.655,"end":456.155,"confidence":0.94921875,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2810712158679962},{"word":"but","start":456.695,"end":456.93503,"confidence":0.6254883,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.31672826409339905},{"word":"it's","start":456.93503,"end":457.095,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3607088327407837},{"word":"also","start":457.095,"end":457.33502,"confidence":0.9970703,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.36670982837677},{"word":"helping","start":457.33502,"end":457.655,"confidence":0.98535156,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.42400062084198},{"word":"to","start":457.655,"end":457.815,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33275270462036133},{"word":"provide","start":457.815,"end":458.135,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.3488057851791382},{"word":"greater","start":458.135,"end":458.535,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.37158364057540894},{"word":"diversification","start":458.535,"end":459.035,"confidence":0.9477539,"punctuated_word":"diversification,","sentiment":"positive","sentiment_score":0.390535444021225},{"word":"which","start":459.415,"end":459.655,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.45259252190589905},{"word":"is","start":459.655,"end":459.815,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.362004816532135},{"word":"important","start":459.815,"end":460.295,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2614820897579193},{"word":"as","start":460.295,"end":460.535,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35063156485557556},{"word":"well","start":460.535,"end":461.015,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.197402685880661},{"word":"okay","start":461.015,"end":461.515,"confidence":0.6364746,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06742769479751587},{"word":"yeah","start":462.375,"end":462.875,"confidence":0.9597168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2417265772819519},{"word":"perfect","start":463.095,"end":463.595,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40680626034736633},{"word":"we've","start":464.82,"end":465.06,"confidence":0.98999023,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.14256955683231354},{"word":"also","start":465.06,"end":465.38,"confidence":0.9892578,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10806860029697418},{"word":"got","start":465.38,"end":465.69998,"confidence":0.98828125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.127210795879364},{"word":"down","start":465.69998,"end":465.94,"confidence":0.9199219,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.012604370713233948},{"word":"here","start":465.94,"end":466.1,"confidence":0.9941406,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.031116869300603867},{"word":"for","start":466.1,"end":466.26,"confidence":0.58203125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.002080857753753662},{"word":"the","start":466.26,"end":466.41998,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01450299471616745},{"word":"jpmorgan","start":466.41998,"end":466.91998,"confidence":0.3203125,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":-0.007275998592376709},{"word":"global","start":467.62,"end":468.02,"confidence":0.79248047,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.015880219638347626},{"word":"enhanced","start":468.02,"end":468.5,"confidence":0.82373047,"punctuated_word":"Enhanced","sentiment":"neutral","sentiment_score":0.04905951768159866},{"word":"research","start":468.5,"end":468.98,"confidence":0.98291016,"punctuated_word":"Research","sentiment":"neutral","sentiment_score":0.035013191401958466},{"word":"index","start":468.98,"end":469.38,"confidence":0.83203125,"punctuated_word":"Index","sentiment":"neutral","sentiment_score":0.018362686038017273},{"word":"fund","start":469.38,"end":469.62,"confidence":0.8803711,"punctuated_word":"Fund","sentiment":"neutral","sentiment_score":-0.008290484547615051},{"word":"there","start":469.62,"end":469.86,"confidence":0.9042969,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0013888366520404816},{"word":"we","start":469.86,"end":469.94,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.028969965875148773},{"word":"are","start":469.94,"end":470.1,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.044292695820331573},{"word":"gonna","start":470.1,"end":470.41998,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.026157759130001068},{"word":"remove","start":470.41998,"end":470.74,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.028690151870250705},{"word":"that","start":470.74,"end":470.9,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.086426742374897},{"word":"from","start":470.9,"end":471.06,"confidence":0.9951172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1079750657081604},{"word":"the","start":471.06,"end":471.22,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07262053340673447},{"word":"portfolio","start":471.22,"end":471.72,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.12884342670440674},{"word":"wholly","start":471.86,"end":472.36,"confidence":0.9267578,"punctuated_word":"wholly,","sentiment":"neutral","sentiment_score":-0.008239957503974438},{"word":"and","start":473.3,"end":473.62,"confidence":0.9375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09874250739812852},{"word":"we've","start":473.62,"end":473.86,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.23883859813213348},{"word":"got","start":473.86,"end":474.02,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31494197249412537},{"word":"some","start":474.02,"end":474.26,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2231939733028412},{"word":"physical","start":474.26,"end":474.74,"confidence":0.9970703,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.2811230719089508},{"word":"gold","start":474.74,"end":474.97998,"confidence":0.90234375,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.2512529194355011},{"word":"there","start":474.97998,"end":475.22,"confidence":0.8833008,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2416943162679672},{"word":"it","start":475.22,"end":475.3,"confidence":0.5239258,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.513855516910553},{"word":"has","start":475.3,"end":475.46,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5021181106567383},{"word":"done","start":475.46,"end":475.78,"confidence":0.99902344,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.5081295371055603},{"word":"really","start":475.78,"end":476.02,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5327680110931396},{"word":"well","start":476.02,"end":476.26,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.39226269721984863},{"word":"we're","start":476.26,"end":476.41998,"confidence":0.9980469,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1476714164018631},{"word":"just","start":476.41998,"end":476.66,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0992770940065384},{"word":"rebalancing","start":476.66,"end":477.16,"confidence":0.99576825,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.04203018918633461},{"word":"it","start":477.3,"end":477.46,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009037628769874573},{"word":"back","start":477.46,"end":477.69998,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.02832284569740295},{"word":"a","start":477.69998,"end":477.78,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0010883957147598269},{"word":"little","start":477.78,"end":478.02,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.029922962188720703},{"word":"bit","start":478.02,"end":478.26,"confidence":0.99560547,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.024467889219522476},{"word":"at","start":478.26,"end":478.41998,"confidence":0.99609375,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.02644946426153183},{"word":"the","start":478.41998,"end":478.58,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017110027372837067},{"word":"moment","start":478.58,"end":478.82,"confidence":0.9941406,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.00812443345785141},{"word":"you've","start":478.82,"end":479.06,"confidence":0.9851074,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.005494838114827871},{"word":"got","start":479.06,"end":479.22,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.014673881232738497},{"word":"about","start":479.22,"end":479.445,"confidence":0.5048828,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.011480778455734251},{"word":"10.54%","start":479.525,"end":480.965,"confidence":0.9953125,"punctuated_word":"10.54%.","sentiment":"neutral","sentiment_score":0.027023715898394585},{"word":"we","start":480.965,"end":481.125,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.014757223427295685},{"word":"just","start":481.125,"end":481.36502,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014315187931060793},{"word":"wanna","start":481.36502,"end":481.605,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.008923131972551346},{"word":"hold","start":481.605,"end":481.845,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.02663028985261917},{"word":"10%","start":481.845,"end":482.565,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.060297928750514984},{"word":"overall","start":482.565,"end":483.045,"confidence":0.99316406,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.056069426238536835},{"word":"in","start":483.045,"end":483.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06378240883350372},{"word":"the","start":483.125,"end":483.285,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05071660876274109},{"word":"new","start":483.285,"end":483.605,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.01703968644142151},{"word":"portfolio","start":483.605,"end":484.105,"confidence":0.77685547,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.01897193118929863},{"word":"so","start":484.64502,"end":484.885,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01558917760848999},{"word":"it's","start":484.885,"end":485.045,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010857279412448406},{"word":"just","start":485.045,"end":485.285,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.014443710446357729},{"word":"about","start":485.285,"end":485.785,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005986467003822327},{"word":"selling","start":485.92502,"end":486.245,"confidence":0.83203125,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.05262184888124466},{"word":"a","start":486.245,"end":486.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015965361148118973},{"word":"little","start":486.325,"end":486.565,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0006119310855865479},{"word":"bit","start":486.565,"end":486.805,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.00012649595737457275},{"word":"of","start":486.805,"end":486.885,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01674531400203705},{"word":"that","start":486.885,"end":487.045,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006888255476951599},{"word":"off","start":487.045,"end":487.20502,"confidence":0.89453125,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03614799678325653},{"word":"and","start":487.20502,"end":487.445,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.015209205448627472},{"word":"spreading","start":487.445,"end":487.765,"confidence":1.0,"punctuated_word":"spreading","sentiment":"neutral","sentiment_score":0.13073062896728516},{"word":"that","start":487.765,"end":488.005,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028113149106502533},{"word":"across","start":488.005,"end":488.405,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.05020751059055328},{"word":"other","start":488.405,"end":488.725,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0003116726875305176},{"word":"areas","start":488.725,"end":489.225,"confidence":0.9995117,"punctuated_word":"areas.","sentiment":"neutral","sentiment_score":-0.0031242258846759796},{"word":"we've","start":490.565,"end":490.885,"confidence":0.94433594,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.07889130711555481},{"word":"got","start":490.885,"end":491.045,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04273074120283127},{"word":"the","start":491.045,"end":491.36502,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09916865080595016},{"word":"ishares","start":491.36502,"end":491.845,"confidence":0.98706055,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":-0.10157282650470734},{"word":"yield","start":491.845,"end":492.245,"confidence":0.79711914,"punctuated_word":"Yield","sentiment":"neutral","sentiment_score":-0.08954145014286041},{"word":"plus","start":492.245,"end":492.565,"confidence":0.57910156,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.09029592573642732},{"word":"that","start":492.565,"end":492.805,"confidence":0.6489258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08627229183912277},{"word":"one","start":492.805,"end":492.965,"confidence":0.96875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13140955567359924},{"word":"there","start":492.965,"end":493.20502,"confidence":0.96777344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.11789098381996156},{"word":"is","start":493.20502,"end":493.36502,"confidence":0.53515625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16911181807518005},{"word":"being","start":493.36502,"end":493.525,"confidence":0.9790039,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.21476545929908752},{"word":"completely","start":493.525,"end":494.025,"confidence":0.9873047,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.14094305038452148},{"word":"sold","start":494.165,"end":494.565,"confidence":0.9951172,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.29483288526535034},{"word":"down","start":494.565,"end":495.065,"confidence":0.7303467,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.14485175907611847},{"word":"and","start":495.33,"end":495.57,"confidence":0.9550781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07855935394763947},{"word":"the","start":495.57,"end":496.05,"confidence":0.90527344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14112889766693115},{"word":"bank","start":496.05,"end":496.44998,"confidence":0.7709961,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.10453400015830994},{"word":"hybrids","start":496.44998,"end":496.85,"confidence":0.86499023,"punctuated_word":"hybrids,","sentiment":"neutral","sentiment_score":-0.12267588078975676},{"word":"again","start":496.85,"end":497.09,"confidence":0.99609375,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.09066079556941986},{"word":"they","start":497.09,"end":497.33,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.18423433601856232},{"word":"are","start":497.33,"end":497.49,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1730874627828598},{"word":"being","start":497.49,"end":497.65,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.21696937084198},{"word":"removed","start":497.65,"end":498.15,"confidence":0.99902344,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.14783704280853271},{"word":"completely","start":498.21,"end":498.69,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.10155168175697328},{"word":"as","start":498.69,"end":498.85,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05672141909599304},{"word":"well","start":498.85,"end":499.35,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03427911177277565},{"word":"both","start":499.88998,"end":500.13,"confidence":0.84277344,"punctuated_word":"Both","sentiment":"neutral","sentiment_score":0.035941869020462036},{"word":"investments","start":500.13,"end":500.63,"confidence":0.98095703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.025936320424079895},{"word":"are","start":500.77,"end":500.93,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.26497840881347656},{"word":"really","start":500.93,"end":501.16998,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1978095769882202},{"word":"good","start":501.16998,"end":501.49,"confidence":0.8972168,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.2160159796476364},{"word":"haven't","start":501.49,"end":501.81,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.013009220361709596},{"word":"performed","start":501.81,"end":502.29,"confidence":0.99902344,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.03623683750629425},{"word":"poorly","start":502.29,"end":502.79,"confidence":0.9602051,"punctuated_word":"poorly,","sentiment":"neutral","sentiment_score":-0.0085025355219841},{"word":"but","start":503.09,"end":503.25,"confidence":0.9707031,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.011566489934921265},{"word":"we","start":503.25,"end":503.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04389716684818268},{"word":"are","start":503.41,"end":503.57,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07629746198654175},{"word":"just","start":503.57,"end":503.81,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0666361004114151},{"word":"sort","start":503.81,"end":503.97,"confidence":0.95947266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.059515804052352905},{"word":"of","start":503.97,"end":504.13,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04464702308177948},{"word":"rebalancing","start":504.13,"end":504.63,"confidence":0.9970703,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.02330639585852623},{"word":"and","start":504.77,"end":504.93,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04903027415275574},{"word":"moving","start":504.93,"end":505.25,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1292933225631714},{"word":"the","start":505.25,"end":505.41,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.145420104265213},{"word":"funds","start":505.41,"end":505.72998,"confidence":0.99316406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.037338241934776306},{"word":"across","start":505.72998,"end":506.05,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.16409750282764435},{"word":"and","start":506.05,"end":506.21,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.151357501745224},{"word":"into","start":506.21,"end":506.61,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08592234551906586},{"word":"other","start":506.61,"end":506.85,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.11055755615234376},{"word":"areas","start":506.85,"end":507.35,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.13847041130065918},{"word":"for","start":507.945,"end":508.105,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10460158437490465},{"word":"your","start":508.105,"end":508.425,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11277185380458832},{"word":"defensive","start":508.425,"end":508.925,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.01505395770072937},{"word":"investments","start":508.985,"end":509.385,"confidence":0.54589844,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.010749474167823792},{"word":"there","start":509.385,"end":509.625,"confidence":0.8510742,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.025210697203874588},{"word":"and","start":509.625,"end":509.865,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03979012742638588},{"word":"bank","start":509.865,"end":510.185,"confidence":0.8730469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.0815383568406105},{"word":"hybrids","start":510.185,"end":510.665,"confidence":0.98828125,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.07554517686367035},{"word":"over","start":510.665,"end":510.905,"confidence":0.7265625,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.12821802496910095},{"word":"the","start":510.905,"end":510.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13979914784431458},{"word":"next","start":510.985,"end":511.225,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.16842129826545715},{"word":"couple","start":511.225,"end":511.465,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.1694282442331314},{"word":"of","start":511.465,"end":511.625,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15765798091888428},{"word":"years","start":511.625,"end":511.865,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12331730127334596},{"word":"are","start":511.865,"end":511.945,"confidence":0.8198242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2090345174074173},{"word":"actually","start":511.945,"end":512.265,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.12652525305747986},{"word":"gonna","start":512.265,"end":512.585,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16129140555858612},{"word":"be","start":512.585,"end":512.665,"confidence":0.9526367,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19554921984672544},{"word":"phased","start":512.665,"end":512.985,"confidence":0.9980469,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.13377144932746887},{"word":"out","start":512.985,"end":513.225,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.21810120344161987},{"word":"by","start":513.225,"end":513.385,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.15141688287258148},{"word":"the","start":513.385,"end":513.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10384061932563782},{"word":"government","start":513.625,"end":514.105,"confidence":0.79248047,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":-0.05695945397019386},{"word":"so","start":514.105,"end":514.585,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04153754934668541},{"word":"we're","start":514.585,"end":514.825,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07235401123762131},{"word":"taking","start":514.825,"end":515.145,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0999031662940979},{"word":"a","start":515.145,"end":515.225,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09235255420207976},{"word":"stance","start":515.225,"end":515.625,"confidence":0.9526367,"punctuated_word":"stance","sentiment":"neutral","sentiment_score":-0.11611580848693848},{"word":"to","start":515.625,"end":515.705,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06709747761487961},{"word":"look","start":515.705,"end":515.945,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.061581939458847046},{"word":"at","start":515.945,"end":516.025,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1134692057967186},{"word":"removing","start":516.025,"end":516.505,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.148478165268898},{"word":"them","start":516.505,"end":516.745,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.18062172830104828},{"word":"now","start":516.745,"end":516.985,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.13794979453086853},{"word":"whilst","start":516.985,"end":517.305,"confidence":0.9580078,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.06695614755153656},{"word":"we","start":517.305,"end":517.46497,"confidence":0.9819336,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05096522718667984},{"word":"are","start":517.46497,"end":517.705,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07081446051597595},{"word":"making","start":517.705,"end":518.025,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.04635528847575188},{"word":"changes","start":518.025,"end":518.425,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.051078252494335175},{"word":"to","start":518.425,"end":518.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03767457231879234},{"word":"your","start":518.585,"end":518.825,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.038357701152563095},{"word":"portfolio","start":518.825,"end":519.325,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.06255361437797546},{"word":"rather","start":519.545,"end":519.865,"confidence":0.82714844,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.056427523493766785},{"word":"than","start":519.865,"end":520.025,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05481843650341034},{"word":"in","start":520.025,"end":520.185,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06634406745433807},{"word":"a","start":520.185,"end":520.265,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09170182049274445},{"word":"couple","start":520.265,"end":520.505,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.09561270475387572},{"word":"of","start":520.505,"end":520.665,"confidence":0.91015625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08957473188638687},{"word":"years","start":520.665,"end":521.145,"confidence":0.72094727,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.09397047758102416},{"word":"once","start":521.145,"end":521.46497,"confidence":0.95166016,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.118547223508358},{"word":"they're","start":521.46497,"end":521.625,"confidence":0.9851074,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.15482044219970703},{"word":"fully","start":521.625,"end":522.025,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.14857862889766693},{"word":"phased","start":522.025,"end":522.425,"confidence":0.99902344,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.13210529088974},{"word":"out","start":522.425,"end":522.925,"confidence":0.9892578,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.14410337805747986},{"word":"we","start":523.17,"end":523.29,"confidence":0.96240234,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.15849345922470093},{"word":"have","start":523.29,"end":523.41,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14916503429412842},{"word":"to","start":523.41,"end":523.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1420392394065857},{"word":"make","start":523.57,"end":523.89,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1054203286767006},{"word":"that","start":523.89,"end":524.05,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13810214400291443},{"word":"change","start":524.05,"end":524.45,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1264704465866089},{"word":"quickly","start":524.45,"end":524.85,"confidence":0.8378906,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":-0.08256067335605621},{"word":"so","start":524.85,"end":525.35,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004589647054672241},{"word":"we're","start":525.73,"end":525.97,"confidence":0.9758301,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.010819307528436184},{"word":"just","start":525.97,"end":526.37,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05891665071249008},{"word":"making","start":526.37,"end":526.77,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.025018513202667236},{"word":"the","start":526.77,"end":526.85,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019483670592308044},{"word":"change","start":526.85,"end":527.08997,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.03978811949491501},{"word":"whilst","start":527.08997,"end":527.41,"confidence":0.7397461,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.0735851526260376},{"word":"we're","start":527.41,"end":527.57,"confidence":0.94311523,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06088697165250778},{"word":"doing","start":527.57,"end":527.89,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.05567530542612076},{"word":"all","start":527.89,"end":527.97,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07604405283927917},{"word":"the","start":527.97,"end":528.13,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056156422942876816},{"word":"other","start":528.13,"end":528.29,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.02131614461541176},{"word":"changes","start":528.29,"end":528.69,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.03655780851840973},{"word":"here","start":528.69,"end":528.93,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0287751667201519},{"word":"at","start":528.93,"end":529.01,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.036823175847530365},{"word":"the","start":529.01,"end":529.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04298631101846695},{"word":"moment","start":529.17,"end":529.57,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.05347244068980217},{"word":"for","start":529.57,"end":529.73,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.054648060351610184},{"word":"you","start":529.73,"end":530.13,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04058235138654709},{"word":"okay","start":530.13,"end":530.63,"confidence":0.91918945,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.03461956977844238},{"word":"perfect","start":532.05,"end":532.55,"confidence":0.98706055,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5722284913063049},{"word":"buying","start":533.49,"end":533.89,"confidence":0.9538574,"punctuated_word":"Buying","sentiment":"neutral","sentiment_score":0.23441606760025024},{"word":"into","start":533.89,"end":534.29,"confidence":0.97998047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21134155988693237},{"word":"the","start":534.29,"end":534.45,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17948004603385925},{"word":"european","start":534.45,"end":534.95,"confidence":1.0,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.14973773062229156},{"word":"exposure","start":535.01,"end":535.51,"confidence":0.92822266,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.13654303550720215},{"word":"with","start":535.57,"end":535.73,"confidence":0.9770508,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1954549551010132},{"word":"the","start":535.73,"end":535.97,"confidence":0.8833008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20560002326965332},{"word":"ishares","start":535.97,"end":536.47,"confidence":0.97558594,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.20166972279548645},{"word":"europe","start":536.585,"end":536.905,"confidence":0.85302734,"punctuated_word":"Europe,","sentiment":"neutral","sentiment_score":0.2136450707912445},{"word":"we","start":536.905,"end":536.985,"confidence":0.55615234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.26020169258117676},{"word":"have","start":536.985,"end":537.305,"confidence":0.62597656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23387199640274048},{"word":"about","start":537.305,"end":537.545,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24862834811210632},{"word":"seven","start":537.545,"end":537.865,"confidence":0.9980469,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.28937816619873047},{"word":"percent","start":537.865,"end":538.105,"confidence":0.99902344,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.25692564249038696},{"word":"of","start":538.105,"end":538.185,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19994254410266876},{"word":"your","start":538.185,"end":538.34503,"confidence":0.9199219,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28714561462402344},{"word":"total","start":538.34503,"end":538.665,"confidence":0.8354492,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.24655693769454956},{"word":"portfolio","start":538.665,"end":539.165,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1781807690858841},{"word":"invested","start":539.385,"end":539.885,"confidence":0.84399414,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.2172299921512604},{"word":"exposure","start":540.665,"end":541.145,"confidence":0.99121094,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.1233927607536316},{"word":"into","start":541.145,"end":541.385,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2326352447271347},{"word":"japan","start":541.385,"end":541.865,"confidence":1.0,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.14838531613349917},{"word":"there","start":541.865,"end":542.025,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.3120638430118561},{"word":"as","start":542.025,"end":542.265,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27173930406570435},{"word":"well","start":542.265,"end":542.425,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.24563711881637573},{"word":"with","start":542.425,"end":542.665,"confidence":0.88671875,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3419964015483856},{"word":"about","start":542.665,"end":542.905,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.30899128317832947},{"word":"3%","start":542.905,"end":543.465,"confidence":0.9995117,"punctuated_word":"3%","sentiment":"positive","sentiment_score":0.3469430208206177},{"word":"of","start":543.465,"end":543.545,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21335406601428983},{"word":"your","start":543.545,"end":543.705,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27164292335510254},{"word":"total","start":543.705,"end":544.105,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.21039089560508728},{"word":"portfolio","start":544.105,"end":544.605,"confidence":0.9567871,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2264244556427002},{"word":"and","start":544.985,"end":545.225,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26335498690605164},{"word":"the","start":545.225,"end":545.385,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2817056179046631},{"word":"vanguard","start":545.385,"end":545.885,"confidence":0.99609375,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.2008812725543976},{"word":"or","start":545.945,"end":546.185,"confidence":0.6538086,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2261134386062622},{"word":"world","start":546.185,"end":546.505,"confidence":0.9589844,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.21881741285324097},{"word":"ex","start":546.505,"end":546.985,"confidence":0.34472656,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.21513952314853668},{"word":"us","start":546.985,"end":547.485,"confidence":0.9951172,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.1263156682252884},{"word":"index","start":547.625,"end":548.025,"confidence":0.8730469,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.1832910180091858},{"word":"as","start":548.025,"end":548.185,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.267627090215683},{"word":"well","start":548.185,"end":548.425,"confidence":0.9921875,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.23949430882930756},{"word":"so","start":548.425,"end":548.665,"confidence":0.9223633,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.25755369663238525},{"word":"essentially","start":548.665,"end":549.145,"confidence":0.9980469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.24424323439598083},{"word":"this","start":549.145,"end":549.305,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2963130474090576},{"word":"is","start":549.305,"end":549.805,"confidence":0.9863281,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2890968918800354},{"word":"yeah","start":550.22003,"end":550.54004,"confidence":0.96875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.3183031678199768},{"word":"diversifying","start":550.54004,"end":551.04004,"confidence":0.9941406,"punctuated_word":"diversifying","sentiment":"neutral","sentiment_score":0.255706787109375},{"word":"across","start":551.18,"end":551.5,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.2565346658229828},{"word":"the","start":551.5,"end":551.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2529515027999878},{"word":"globe","start":551.74,"end":552.24,"confidence":0.7687988,"punctuated_word":"globe.","sentiment":"neutral","sentiment_score":0.218097060918808},{"word":"not","start":553.02,"end":553.26,"confidence":0.8510742,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.06294974684715271},{"word":"the","start":553.26,"end":553.42004,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.016388244926929474},{"word":"us","start":553.42004,"end":553.66003,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.020496822893619537},{"word":"because","start":553.66003,"end":553.9,"confidence":0.6611328,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03531432896852493},{"word":"you","start":553.9,"end":553.98004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1057162955403328},{"word":"have","start":553.98004,"end":554.22003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07757194340229034},{"word":"the","start":554.22003,"end":554.38,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04520435258746147},{"word":"s","start":554.38,"end":554.46,"confidence":0.875,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.014688238501548769},{"word":"and","start":554.46,"end":554.62,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03777775168418884},{"word":"p","start":554.62,"end":554.86,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.060946978628635406},{"word":"500","start":554.86,"end":555.42004,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1058138757944107},{"word":"there","start":555.42004,"end":555.58,"confidence":0.71875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07197900116443634},{"word":"that's","start":555.58,"end":555.74,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1225661039352417},{"word":"why","start":555.74,"end":555.98004,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.11379168927669524},{"word":"it's","start":555.98004,"end":556.22003,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09981659054756165},{"word":"ex","start":556.22003,"end":556.46,"confidence":0.94189453,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.0659988671541214},{"word":"us","start":556.46,"end":556.96,"confidence":0.83447266,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.03915984183549881},{"word":"but","start":557.26,"end":557.5,"confidence":0.98828125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17238277196884155},{"word":"it","start":557.5,"end":557.58,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.221244215965271},{"word":"is","start":557.58,"end":557.74,"confidence":0.87475586,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.23065555095672607},{"word":"again","start":557.74,"end":558.06,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.24373476207256317},{"word":"giving","start":558.06,"end":558.3,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2882988154888153},{"word":"you","start":558.3,"end":558.46,"confidence":0.98291016,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35217735171318054},{"word":"diversification","start":558.46,"end":558.96,"confidence":0.9195964,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.2757856547832489},{"word":"so","start":559.42004,"end":559.58,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3957301080226898},{"word":"one","start":559.58,"end":559.82,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4566554725170135},{"word":"of","start":559.82,"end":559.9,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3751588761806488},{"word":"the","start":559.9,"end":560.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3990419805049896},{"word":"important","start":560.06,"end":560.46,"confidence":1.0,"punctuated_word":"important","sentiment":"positive","sentiment_score":0.35323166847229004},{"word":"parts","start":560.46,"end":560.78,"confidence":0.98291016,"punctuated_word":"parts","sentiment":"positive","sentiment_score":0.4505336582660675},{"word":"of","start":560.78,"end":560.94,"confidence":0.9790039,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4488479793071747},{"word":"diversifying","start":560.94,"end":561.44,"confidence":1.0,"punctuated_word":"diversifying","sentiment":"positive","sentiment_score":0.3503696918487549},{"word":"your","start":561.58,"end":561.82,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41056281328201294},{"word":"portfolio","start":561.82,"end":562.3,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2886916697025299},{"word":"is","start":562.3,"end":562.54004,"confidence":0.99316406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.36875519156455994},{"word":"not","start":562.54004,"end":562.7,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2852286100387573},{"word":"only","start":562.7,"end":562.86,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11745689064264296},{"word":"having","start":562.86,"end":563.26,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.27689993381500244},{"word":"growth","start":563.26,"end":563.5,"confidence":0.9819336,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1589521765708923},{"word":"in","start":563.5,"end":563.66003,"confidence":0.68310547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27896255254745483},{"word":"defensive","start":563.66003,"end":564.16003,"confidence":0.97314453,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.0903402417898178},{"word":"investments","start":564.3,"end":564.78,"confidence":0.8078613,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.13334739208221436},{"word":"but","start":564.78,"end":565.02,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2343446910381317},{"word":"also","start":565.02,"end":565.52,"confidence":0.8647461,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2155197262763977},{"word":"different","start":565.785,"end":566.185,"confidence":0.9921875,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.26613569259643555},{"word":"investments","start":566.185,"end":566.505,"confidence":0.99121094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1321190744638443},{"word":"from","start":566.505,"end":566.825,"confidence":0.6557617,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17790080606937408},{"word":"different","start":566.825,"end":567.225,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.18099521100521088},{"word":"countries","start":567.225,"end":567.70496,"confidence":0.99853516,"punctuated_word":"countries,","sentiment":"neutral","sentiment_score":0.18340721726417544},{"word":"different","start":567.70496,"end":568.105,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.21143928170204165},{"word":"areas","start":568.105,"end":568.505,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.1844051033258438},{"word":"looking","start":568.505,"end":568.745,"confidence":0.59716797,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2196766585111618},{"word":"at","start":568.745,"end":569.245,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21442168951034543},{"word":"already","start":569.625,"end":570.125,"confidence":0.9770508,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2967463731765747},{"word":"built","start":570.185,"end":570.685,"confidence":0.9970703,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.23735980689525604},{"word":"markets","start":571.385,"end":571.885,"confidence":0.9873047,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.17246364057064056},{"word":"as","start":571.945,"end":572.185,"confidence":0.80566406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.240017831325531},{"word":"well","start":572.185,"end":572.345,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.26757532358169556},{"word":"as","start":572.345,"end":572.58496,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2691146433353424},{"word":"up","start":572.58496,"end":572.745,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.36106204986572266},{"word":"and","start":572.745,"end":572.90497,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28748464584350586},{"word":"coming","start":572.90497,"end":573.225,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.2534158527851105},{"word":"markets","start":573.225,"end":573.545,"confidence":0.9921875,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.25103560090065},{"word":"as","start":573.545,"end":573.70496,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31165388226509094},{"word":"well","start":573.70496,"end":573.945,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3266966640949249},{"word":"for","start":573.945,"end":574.105,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3103284239768982},{"word":"a","start":574.105,"end":574.185,"confidence":0.96972656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3664735555648804},{"word":"bit","start":574.185,"end":574.345,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32605886459350586},{"word":"of","start":574.345,"end":574.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3599250912666321},{"word":"additional","start":574.505,"end":574.985,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.27573737502098083},{"word":"growth","start":574.985,"end":575.385,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.34174367785453796},{"word":"there","start":575.385,"end":575.70496,"confidence":0.9746094,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.32254156470298767},{"word":"so","start":575.70496,"end":576.20496,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.48378172516822815},{"word":"this","start":576.90497,"end":577.14496,"confidence":0.9921875,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5254730582237244},{"word":"does","start":577.14496,"end":577.46497,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5042242407798767},{"word":"help","start":577.46497,"end":577.70496,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5431206226348877},{"word":"to","start":577.70496,"end":578.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5556007623672485},{"word":"overall","start":578.105,"end":578.605,"confidence":0.91503906,"punctuated_word":"overall","sentiment":"positive","sentiment_score":0.5560410618782043},{"word":"increase","start":578.90497,"end":579.305,"confidence":0.9980469,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.6147105097770691},{"word":"your","start":579.305,"end":579.805,"confidence":0.36889648,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6412695646286011},{"word":"increase","start":580.185,"end":580.665,"confidence":0.87597656,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.6231387257575989},{"word":"your","start":580.665,"end":581.165,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6563278436660767},{"word":"diversification","start":581.60004,"end":582.10004,"confidence":0.9280599,"punctuated_word":"diversification,","sentiment":"positive","sentiment_score":0.5101562738418579},{"word":"which","start":582.4,"end":582.64,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.49984368681907654},{"word":"helps","start":582.64,"end":582.88,"confidence":0.9970703,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.5098057389259338},{"word":"to","start":582.88,"end":582.96,"confidence":0.9013672,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5333442687988281},{"word":"mitigate","start":582.96,"end":583.44,"confidence":1.0,"punctuated_word":"mitigate","sentiment":"positive","sentiment_score":0.38334211707115173},{"word":"long","start":583.44,"end":583.68005,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.24315425753593445},{"word":"term","start":583.68005,"end":583.92004,"confidence":1.0,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.3614667356014252},{"word":"market","start":583.92004,"end":584.32,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.14914238452911377},{"word":"risk","start":584.32,"end":584.64,"confidence":0.9658203,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08758263289928436},{"word":"as","start":584.64,"end":584.80005,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5287594795227051},{"word":"well","start":584.80005,"end":585.28,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.41883543133735657},{"word":"okay","start":585.28,"end":585.78,"confidence":0.96972656,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.16955751180648804},{"word":"the","start":587.36005,"end":587.52,"confidence":0.8647461,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1520260125398636},{"word":"next","start":587.52,"end":587.84,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1346697211265564},{"word":"page","start":587.84,"end":588.08,"confidence":0.9667969,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.11334407329559326},{"word":"there","start":588.08,"end":588.24005,"confidence":0.91503906,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1266024112701416},{"word":"we've","start":588.24005,"end":588.48004,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12087546288967133},{"word":"got","start":588.48004,"end":588.64,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10449832677841188},{"word":"the","start":588.64,"end":588.72003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11090712994337082},{"word":"beta","start":588.72003,"end":589.04004,"confidence":0.69091797,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.10382445156574248},{"word":"shares","start":589.04004,"end":589.36005,"confidence":0.9614258,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.07406654208898544},{"word":"a","start":589.36005,"end":589.52,"confidence":0.95166016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1025599092245102},{"word":"200","start":589.52,"end":590.08,"confidence":0.98461914,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.11208371818065643},{"word":"which","start":590.08,"end":590.32,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.12727321684360504},{"word":"is","start":590.32,"end":590.48004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09211796522140504},{"word":"what","start":590.48004,"end":590.56006,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08710862696170807},{"word":"we're","start":590.56006,"end":590.80005,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12688615918159485},{"word":"essentially","start":590.80005,"end":591.30005,"confidence":0.984375,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.10868056863546371},{"word":"replacing","start":591.36005,"end":591.86005,"confidence":0.99902344,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":0.06488335132598877},{"word":"van","start":591.92004,"end":592.08,"confidence":0.18884277,"punctuated_word":"Van","sentiment":"neutral","sentiment_score":0.07233455032110214},{"word":"along","start":592.08,"end":592.48004,"confidence":0.29296875,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.08452120423316956},{"word":"with","start":592.48004,"end":592.98004,"confidence":0.81396484,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.08825533837080002},{"word":"and","start":593.2,"end":593.36005,"confidence":0.98095703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12166734039783478},{"word":"then","start":593.36005,"end":593.86005,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1333451122045517},{"word":"defensive","start":593.92004,"end":594.42004,"confidence":0.8540039,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.11123508214950562},{"word":"investments","start":594.56006,"end":595.06006,"confidence":0.96533203,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06764312088489532},{"word":"wise","start":595.12006,"end":595.62006,"confidence":0.9946289,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.17624932527542114},{"word":"we've","start":595.90497,"end":596.14496,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.17933228611946106},{"word":"also","start":596.14496,"end":596.545,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1468801200389862},{"word":"got","start":596.545,"end":596.70496,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16543099284172058},{"word":"the","start":596.70496,"end":596.865,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1330849975347519},{"word":"core","start":596.865,"end":597.105,"confidence":0.9199219,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1481279283761978},{"word":"composite","start":597.105,"end":597.605,"confidence":0.97265625,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.17909127473831177},{"word":"bonds","start":597.665,"end":597.985,"confidence":0.9375,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.12701764702796936},{"word":"in","start":597.985,"end":598.225,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1387832760810852},{"word":"there","start":598.225,"end":598.545,"confidence":0.95654297,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14206162095069885},{"word":"so","start":598.545,"end":598.945,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1795421540737152},{"word":"bonds","start":598.945,"end":599.26495,"confidence":0.77978516,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.17587167024612427},{"word":"this","start":599.345,"end":599.505,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1829094439744949},{"word":"is","start":599.505,"end":599.665,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1651947945356369},{"word":"looking","start":599.665,"end":599.90497,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.170225128531456},{"word":"at","start":599.90497,"end":600.065,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1535106897354126},{"word":"bonds","start":600.065,"end":600.46497,"confidence":0.96972656,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.1443011462688446},{"word":"both","start":600.46497,"end":600.70496,"confidence":0.4350586,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.17617955803871155},{"word":"corporate","start":600.70496,"end":601.20496,"confidence":0.2800293,"punctuated_word":"corporate","sentiment":"neutral","sentiment_score":0.17878182232379913},{"word":"and","start":601.26495,"end":601.505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15908440947532654},{"word":"government","start":601.505,"end":602.005,"confidence":0.9941406,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":0.17090588808059692},{"word":"it","start":602.225,"end":602.46497,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1812869608402252},{"word":"also","start":602.46497,"end":602.785,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14257586002349854},{"word":"has","start":602.785,"end":603.02496,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.16709765791893005},{"word":"bank","start":603.02496,"end":603.345,"confidence":0.9980469,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.16988906264305115},{"word":"notes","start":603.345,"end":603.665,"confidence":0.86035156,"punctuated_word":"notes,","sentiment":"neutral","sentiment_score":0.1924973726272583},{"word":"and","start":603.665,"end":603.82495,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23921628296375275},{"word":"it","start":603.82495,"end":603.90497,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25123000144958496},{"word":"also","start":603.90497,"end":604.305,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19898903369903564},{"word":"does","start":604.305,"end":604.545,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2756991386413574},{"word":"have","start":604.545,"end":604.785,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27649229764938354},{"word":"some","start":604.785,"end":605.285,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.22906552255153656},{"word":"diversification","start":605.665,"end":606.165,"confidence":0.9995117,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.2650787830352783},{"word":"across","start":606.46497,"end":606.785,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.2607700228691101},{"word":"the","start":606.785,"end":606.945,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2880374789237976},{"word":"globe","start":606.945,"end":607.26495,"confidence":0.9970703,"punctuated_word":"globe","sentiment":"neutral","sentiment_score":0.26039350032806396},{"word":"as","start":607.26495,"end":607.425,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32808294892311096},{"word":"well","start":607.425,"end":607.665,"confidence":0.86279297,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2635449469089508},{"word":"so","start":607.665,"end":607.90497,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3110811710357666},{"word":"making","start":607.90497,"end":608.14496,"confidence":0.97802734,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3545558452606201},{"word":"sure","start":608.14496,"end":608.305,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.39808210730552673},{"word":"that","start":608.305,"end":608.46497,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4328378438949585},{"word":"we're","start":608.46497,"end":608.625,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4108278155326843},{"word":"not","start":608.625,"end":608.785,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.3422544598579407},{"word":"only","start":608.785,"end":609.02496,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.14619368314743042},{"word":"having","start":609.02496,"end":609.345,"confidence":0.99902344,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3604718148708343},{"word":"growth","start":609.345,"end":609.665,"confidence":0.97998047,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.25529396533966064},{"word":"investments","start":609.665,"end":610.165,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.18027205765247345},{"word":"to","start":610.225,"end":610.38495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2701910138130188},{"word":"get","start":610.38495,"end":610.56,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3088865280151367},{"word":"that","start":610.64,"end":610.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3008311092853546},{"word":"additional","start":610.96,"end":611.36,"confidence":0.9980469,"punctuated_word":"additional","sentiment":"positive","sentiment_score":0.3424433469772339},{"word":"growth","start":611.36,"end":611.68,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3838472664356232},{"word":"that","start":611.68,"end":611.84,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39392518997192383},{"word":"you're","start":611.84,"end":612.08,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4476587474346161},{"word":"after","start":612.08,"end":612.32,"confidence":1.0,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.4288712441921234},{"word":"and","start":612.32,"end":612.48,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31503790616989136},{"word":"get","start":612.48,"end":612.72,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.42796146869659424},{"word":"good","start":612.72,"end":612.96,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4076393842697144},{"word":"returns","start":612.96,"end":613.36,"confidence":0.8952637,"punctuated_word":"returns,","sentiment":"positive","sentiment_score":0.4617997705936432},{"word":"but","start":613.36,"end":613.6,"confidence":0.95703125,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.4000072777271271},{"word":"some","start":613.6,"end":613.76,"confidence":0.9970703,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3870787024497986},{"word":"defensive","start":613.76,"end":614.26,"confidence":0.9902344,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.2543875575065613},{"word":"investments","start":614.32,"end":614.82,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.17955224215984344},{"word":"for","start":614.88,"end":615.38,"confidence":0.98828125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.353623628616333},{"word":"long","start":615.52,"end":615.76,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.3597383201122284},{"word":"term","start":615.76,"end":616.08,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.31809017062187195},{"word":"market","start":616.08,"end":616.58,"confidence":0.9892578,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2404097318649292},{"word":"volatility","start":616.88,"end":617.38,"confidence":0.94921875,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":0.15293782949447632},{"word":"mitigation","start":617.52,"end":618.02,"confidence":0.95214844,"punctuated_word":"mitigation,","sentiment":"neutral","sentiment_score":0.31337466835975647},{"word":"making","start":618.56,"end":618.8,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4672174155712128},{"word":"sure","start":618.8,"end":618.96,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4589746594429016},{"word":"we're","start":618.96,"end":619.12,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4386830329895019},{"word":"getting","start":619.12,"end":619.36,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.44314250349998474},{"word":"some","start":619.36,"end":619.68,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3445666432380676},{"word":"income","start":619.68,"end":620.0,"confidence":0.99902344,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.391771137714386},{"word":"in","start":620.0,"end":620.16,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39815783500671387},{"word":"there","start":620.16,"end":620.4,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3719109892845154},{"word":"as","start":620.4,"end":620.56,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3997219502925873},{"word":"well","start":620.56,"end":620.8,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.42893683910369873},{"word":"because","start":620.8,"end":621.2,"confidence":0.4880371,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3591078519821167},{"word":"income","start":621.2,"end":621.6,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.5079824924468994},{"word":"is","start":621.6,"end":621.76,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.43972980976104736},{"word":"really","start":621.76,"end":622.0,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.465169757604599},{"word":"important","start":622.0,"end":622.5,"confidence":0.99658203,"punctuated_word":"important.","sentiment":"positive","sentiment_score":0.4350220561027527},{"word":"you","start":622.56,"end":622.8,"confidence":0.9980469,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4185442328453064},{"word":"wanna","start":622.8,"end":623.175,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.436911940574646},{"word":"have","start":623.33496,"end":623.575,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.468046098947525},{"word":"dividends","start":623.575,"end":624.075,"confidence":0.5083008,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.47389745712280273},{"word":"and","start":624.375,"end":624.615,"confidence":0.95947266,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4173586666584015},{"word":"income","start":624.615,"end":624.935,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.4254995286464691},{"word":"produced","start":624.935,"end":625.255,"confidence":0.6220703,"punctuated_word":"produced","sentiment":"positive","sentiment_score":0.483586847782135},{"word":"out","start":625.255,"end":625.495,"confidence":0.9707031,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3805769979953766},{"word":"of","start":625.495,"end":625.575,"confidence":0.96435547,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4195181727409363},{"word":"your","start":625.575,"end":625.815,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38090670108795166},{"word":"portfolio","start":625.815,"end":626.315,"confidence":0.81591797,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.3517875671386719},{"word":"that","start":626.535,"end":626.695,"confidence":0.99902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.40785181522369385},{"word":"goes","start":626.695,"end":627.015,"confidence":1.0,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.4326663911342621},{"word":"into","start":627.015,"end":627.255,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4839639961719513},{"word":"your","start":627.255,"end":627.755,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4804511964321137},{"word":"cash","start":627.975,"end":628.295,"confidence":1.0,"punctuated_word":"cash","sentiment":"positive","sentiment_score":0.4052860140800476},{"word":"account","start":628.295,"end":628.535,"confidence":0.94311523,"punctuated_word":"account,","sentiment":"positive","sentiment_score":0.39243537187576294},{"word":"and","start":628.535,"end":628.695,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3954864144325256},{"word":"we","start":628.695,"end":628.935,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.44521093368530273},{"word":"can","start":628.935,"end":629.255,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.44286447763442993},{"word":"reinvest","start":629.255,"end":629.755,"confidence":0.9941406,"punctuated_word":"reinvest","sentiment":"positive","sentiment_score":0.42775601148605347},{"word":"that","start":629.815,"end":630.055,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4375346601009369},{"word":"back","start":630.055,"end":630.21497,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5107067823410034},{"word":"into","start":630.21497,"end":630.535,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4299831688404083},{"word":"your","start":630.535,"end":630.695,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4471449851989746},{"word":"portfolio","start":630.695,"end":631.195,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3199770450592041},{"word":"for","start":631.33496,"end":631.575,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4582381844520569},{"word":"compounding","start":631.575,"end":632.075,"confidence":0.9920247,"punctuated_word":"compounding.","sentiment":"positive","sentiment_score":0.46555638313293457},{"word":"so","start":632.21497,"end":632.71497,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7422012090682983},{"word":"bonds","start":633.175,"end":633.575,"confidence":0.8354492,"punctuated_word":"bonds","sentiment":"positive","sentiment_score":0.7324932813644409},{"word":"are","start":633.575,"end":633.735,"confidence":0.98291016,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.7572824954986572},{"word":"really","start":633.735,"end":633.975,"confidence":0.97265625,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7910789847373962},{"word":"good","start":633.975,"end":634.455,"confidence":0.78759766,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.05151332542300224},{"word":"a","start":634.455,"end":634.535,"confidence":0.82666016,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.1907311379909515},{"word":"bit","start":634.535,"end":634.77496,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.21428483724594116},{"word":"like","start":634.77496,"end":635.015,"confidence":0.9838867,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21063783764839172},{"word":"term","start":635.015,"end":635.255,"confidence":0.79003906,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.14609117805957794},{"word":"deposits","start":635.255,"end":635.735,"confidence":0.88720703,"punctuated_word":"deposits,","sentiment":"neutral","sentiment_score":0.14103056490421295},{"word":"they","start":635.735,"end":635.97,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2538803517818451},{"word":"pay","start":635.97,"end":636.20996,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1905050277709961},{"word":"income","start":636.20996,"end":636.61,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1497427523136139},{"word":"payments","start":636.61,"end":637.08997,"confidence":0.99902344,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.1741576790809631},{"word":"either","start":637.08997,"end":637.32996,"confidence":0.82177734,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.16900716722011566},{"word":"monthly","start":637.32996,"end":637.73,"confidence":0.99902344,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.11347948014736176},{"word":"or","start":637.73,"end":637.97,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09540347754955292},{"word":"quarterly","start":637.97,"end":638.47,"confidence":1.0,"punctuated_word":"quarterly","sentiment":"neutral","sentiment_score":0.1340368092060089},{"word":"depending","start":638.52997,"end":638.85,"confidence":0.8432617,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.2006969153881073},{"word":"on","start":638.85,"end":639.00995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2256780117750168},{"word":"the","start":639.00995,"end":639.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16576717793941498},{"word":"bond","start":639.17,"end":639.41,"confidence":0.9941406,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":0.12478072941303252},{"word":"they","start":639.41,"end":639.91,"confidence":0.96875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.206913024187088},{"word":"are","start":640.20996,"end":640.44995,"confidence":0.89501953,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.16062480211257937},{"word":"and","start":640.44995,"end":640.61,"confidence":0.92578125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21608157455921173},{"word":"that","start":640.61,"end":640.76996,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3405698537826538},{"word":"money","start":640.76996,"end":641.08997,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3298436403274536},{"word":"can","start":641.08997,"end":641.25,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3252624571323395},{"word":"be","start":641.25,"end":641.49,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.44247955083847046},{"word":"reinvested","start":641.49,"end":641.99,"confidence":0.99560547,"punctuated_word":"reinvested","sentiment":"positive","sentiment_score":0.35649794340133667},{"word":"back","start":642.12994,"end":642.29,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4432655870914459},{"word":"into","start":642.29,"end":642.61,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.34614747762680054},{"word":"your","start":642.61,"end":642.85,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3190464973449707},{"word":"portfolio","start":642.85,"end":643.35,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1962895393371582},{"word":"for","start":643.41,"end":643.64996,"confidence":0.9741211,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34193944931030273},{"word":"compounding","start":643.64996,"end":644.14996,"confidence":0.95247394,"punctuated_word":"compounding,","sentiment":"positive","sentiment_score":0.3724895715713501},{"word":"which","start":644.20996,"end":644.44995,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5766969323158264},{"word":"is","start":644.44995,"end":644.61,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6552366018295288},{"word":"really","start":644.61,"end":644.85,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6551595330238342},{"word":"cool","start":644.85,"end":645.35,"confidence":1.0,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.48894840478897095},{"word":"okay","start":645.41,"end":645.91,"confidence":0.7944336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1428643763065338},{"word":"beautiful","start":647.00995,"end":647.50995,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5361573100090027},{"word":"i","start":648.365,"end":648.44495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32784685492515564},{"word":"try","start":648.44495,"end":648.685,"confidence":0.93603516,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.3595018684864044},{"word":"to","start":648.685,"end":648.76495,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3605180978775024},{"word":"keep","start":648.76495,"end":649.00494,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2794765830039978},{"word":"that","start":649.00494,"end":649.245,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3680496513843536},{"word":"pretty","start":649.245,"end":649.485,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.25150471925735474},{"word":"brief","start":649.485,"end":649.805,"confidence":0.97680664,"punctuated_word":"brief.","sentiment":"neutral","sentiment_score":0.18763920664787292},{"word":"not","start":649.805,"end":649.96497,"confidence":0.9863281,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.05303327739238739},{"word":"everyone's","start":649.96497,"end":650.285,"confidence":0.96533203,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.033295392990112305},{"word":"that","start":650.285,"end":650.605,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03148805350065231},{"word":"interested","start":650.605,"end":651.00494,"confidence":1.0,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":-0.025387853384017944},{"word":"in","start":651.00494,"end":651.165,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03420315682888031},{"word":"all","start":651.165,"end":651.32495,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06604026257991791},{"word":"those","start":651.32495,"end":651.565,"confidence":0.9770508,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03775215148925781},{"word":"investment","start":651.565,"end":651.96497,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.006702214479446411},{"word":"options","start":651.96497,"end":652.365,"confidence":0.7866211,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.007300224155187607},{"word":"but","start":652.365,"end":652.52496,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03408840671181679},{"word":"if","start":652.52496,"end":652.605,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10393067449331284},{"word":"there","start":652.605,"end":652.76495,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15214921534061432},{"word":"is","start":652.76495,"end":652.925,"confidence":0.6015625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13575798273086548},{"word":"anything","start":652.925,"end":653.40497,"confidence":0.9562988,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.14514805376529694},{"word":"like","start":653.40497,"end":653.805,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1302279233932495},{"word":"in","start":653.805,"end":653.96497,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0843672901391983},{"word":"further","start":653.96497,"end":654.285,"confidence":0.9941406,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.08150605857372284},{"word":"detail","start":654.285,"end":654.685,"confidence":0.99902344,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.0974983274936676},{"word":"you","start":654.685,"end":654.845,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10778246819972992},{"word":"want","start":654.845,"end":655.165,"confidence":0.9980469,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.08701012283563614},{"word":"you're","start":655.165,"end":655.32495,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14398746192455292},{"word":"welcome","start":655.32495,"end":655.64496,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.2331065982580185},{"word":"to","start":655.64496,"end":655.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22332900762557983},{"word":"let","start":655.805,"end":655.96497,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2403981536626816},{"word":"me","start":655.96497,"end":656.125,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2155579775571823},{"word":"know","start":656.125,"end":656.285,"confidence":0.9807129,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.2390688359737396},{"word":"happy","start":656.285,"end":656.605,"confidence":0.8828125,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.5496679544448853},{"word":"to","start":656.605,"end":656.76495,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4665720164775848},{"word":"go","start":656.76495,"end":656.925,"confidence":0.99902344,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.41754385828971863},{"word":"further","start":656.925,"end":657.32495,"confidence":0.9980469,"punctuated_word":"further","sentiment":"positive","sentiment_score":0.4068445861339569},{"word":"down","start":657.32495,"end":657.64496,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.5065101385116577},{"word":"for","start":657.64496,"end":657.805,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46331459283828735},{"word":"you","start":657.805,"end":658.305,"confidence":0.8745117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.39899787306785583},{"word":"but","start":658.52496,"end":658.685,"confidence":0.62158203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2304600179195404},{"word":"this","start":658.685,"end":658.845,"confidence":0.48168945,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18741831183433533},{"word":"is","start":658.845,"end":659.00494,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1751675009727478},{"word":"giving","start":659.00494,"end":659.245,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.19206291437149048},{"word":"you","start":659.245,"end":659.40497,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1962658613920212},{"word":"a","start":659.40497,"end":659.565,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16336415708065033},{"word":"brief","start":659.565,"end":659.805,"confidence":1.0,"punctuated_word":"brief","sentiment":"neutral","sentiment_score":0.18000110983848572},{"word":"overview","start":659.805,"end":660.20496,"confidence":1.0,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.24076257646083832},{"word":"of","start":660.20496,"end":660.365,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23806793987751007},{"word":"essentially","start":660.365,"end":660.845,"confidence":0.61279297,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.2417612075805664},{"word":"what","start":660.845,"end":661.08496,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.27522051334381104},{"word":"we're","start":661.08496,"end":661.245,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20701941847801208},{"word":"swapping","start":661.245,"end":661.64496,"confidence":0.99121094,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.16228845715522766},{"word":"out","start":661.64496,"end":661.96497,"confidence":0.9824219,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.1956176459789276},{"word":"putting","start":661.96497,"end":662.285,"confidence":0.9980469,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.1887616515159607},{"word":"in","start":662.285,"end":662.365,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1968469470739365},{"word":"there","start":662.365,"end":662.865,"confidence":0.96777344,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.26719892024993896},{"word":"and","start":663.565,"end":663.88495,"confidence":0.9091797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2220337986946106},{"word":"what's","start":663.88495,"end":664.26,"confidence":0.99609375,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.17289942502975464},{"word":"gonna","start":664.34,"end":664.5,"confidence":0.98828125,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16102194786071777},{"word":"change","start":664.5,"end":664.74,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.14101102948188782},{"word":"with","start":664.74,"end":664.98,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07892341166734695},{"word":"your","start":664.98,"end":665.22003,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13979710638523102},{"word":"portfolio","start":665.22003,"end":665.72003,"confidence":0.9946289,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.08301354944705963},{"word":"okay","start":666.10004,"end":666.60004,"confidence":0.5463867,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08015825599431992},{"word":"yeah","start":667.46,"end":667.96,"confidence":0.88134766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1321398764848709},{"word":"easy","start":668.9,"end":669.4,"confidence":0.8327637,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.36023443937301636},{"word":"all","start":669.62,"end":669.78,"confidence":0.97802734,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5367080569267273},{"word":"good","start":669.78,"end":670.28,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3992069363594055},{"word":"if","start":670.74,"end":670.9,"confidence":0.9370117,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19663210213184357},{"word":"you","start":670.9,"end":671.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13451187312602997},{"word":"scroll","start":671.06,"end":671.46,"confidence":0.9980469,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.1422346979379654},{"word":"down","start":671.46,"end":671.7,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14564330875873566},{"word":"to","start":671.7,"end":671.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13569295406341553},{"word":"the","start":671.78,"end":671.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12786750495433807},{"word":"next","start":671.94,"end":672.26,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07500497251749039},{"word":"page","start":672.26,"end":672.5,"confidence":0.9921875,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08206120878458023},{"word":"there","start":672.5,"end":672.74,"confidence":0.9902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11315637826919556},{"word":"for","start":672.74,"end":672.98,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09192167967557908},{"word":"me","start":672.98,"end":673.06,"confidence":0.9975586,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.10262122750282288},{"word":"you'll","start":673.06,"end":673.3,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09730586409568788},{"word":"see","start":673.3,"end":673.46,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11344476789236067},{"word":"you've","start":673.46,"end":673.62,"confidence":0.98217773,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09160660207271576},{"word":"got","start":673.62,"end":673.78,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1051461473107338},{"word":"your","start":673.78,"end":674.02,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08925078064203262},{"word":"asset","start":674.02,"end":674.34,"confidence":0.98828125,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.07977110892534256},{"word":"allocation","start":674.34,"end":674.84,"confidence":0.68652344,"punctuated_word":"allocation,","sentiment":"neutral","sentiment_score":0.08029438555240631},{"word":"the","start":674.98,"end":675.14,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09861713647842409},{"word":"proposed","start":675.14,"end":675.64,"confidence":0.99316406,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.06649681180715561},{"word":"asset","start":675.7,"end":676.02,"confidence":0.9970703,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05387996509671211},{"word":"allocation","start":676.02,"end":676.52,"confidence":0.99902344,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.054680656641721725},{"word":"table","start":676.58,"end":676.98,"confidence":0.99316406,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.09261788427829742},{"word":"there","start":676.98,"end":677.48,"confidence":0.99658203,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07283604890108109},{"word":"yeah","start":679.045,"end":679.365,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.28497081995010376},{"word":"beautiful","start":679.365,"end":679.865,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4729080498218536},{"word":"so","start":680.005,"end":680.245,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2473767250776291},{"word":"we're","start":680.245,"end":680.40497,"confidence":0.96850586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2632290720939636},{"word":"moving","start":680.40497,"end":680.725,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2834869623184204},{"word":"you","start":680.725,"end":680.805,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24489596486091617},{"word":"down","start":680.805,"end":681.125,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.22493129968643188},{"word":"into","start":681.125,"end":681.285,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2320314198732376},{"word":"that","start":681.285,"end":681.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28264063596725464},{"word":"balanced","start":681.525,"end":681.925,"confidence":0.88671875,"punctuated_word":"balanced","sentiment":"neutral","sentiment_score":0.23452940583229065},{"word":"growth","start":681.925,"end":682.325,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.33570659160614014},{"word":"environment","start":682.325,"end":682.825,"confidence":0.7553711,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.26706409454345703},{"word":"so","start":682.885,"end":683.205,"confidence":0.8144531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13055618107318878},{"word":"starting","start":683.205,"end":683.525,"confidence":0.66308594,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.12480615079402924},{"word":"to","start":683.525,"end":683.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17278432846069336},{"word":"reduce","start":683.605,"end":684.005,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.1172262579202652},{"word":"your","start":684.005,"end":684.165,"confidence":0.94921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10924455523490906},{"word":"risk","start":684.165,"end":684.485,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.02329161763191223},{"word":"level","start":684.485,"end":684.805,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.02632933109998703},{"word":"gradually","start":684.805,"end":685.205,"confidence":0.99902344,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.1288030445575714},{"word":"as","start":685.205,"end":685.445,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13072487711906433},{"word":"you","start":685.445,"end":685.525,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11902378499507904},{"word":"get","start":685.525,"end":685.765,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09453698992729188},{"word":"closer","start":685.765,"end":686.085,"confidence":0.98095703,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.06830734759569168},{"word":"to","start":686.085,"end":686.245,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0615101121366024},{"word":"accessing","start":686.245,"end":686.745,"confidence":0.9980469,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.09170230478048325},{"word":"super","start":686.885,"end":687.385,"confidence":0.7519531,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.14577463269233704},{"word":"so","start":687.605,"end":687.765,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07670196890830994},{"word":"this","start":687.765,"end":688.005,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08865990489721298},{"word":"risk","start":688.005,"end":688.325,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05048452317714691},{"word":"profile","start":688.325,"end":688.805,"confidence":0.99902344,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.05602189525961876},{"word":"generally","start":688.805,"end":689.305,"confidence":0.9707031,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.06445129215717316},{"word":"sees","start":689.365,"end":689.7,"confidence":0.4790039,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.07389721274375916},{"word":"at","start":689.78,"end":689.94,"confidence":0.43676758,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08847586065530777},{"word":"20","start":689.94,"end":690.02,"confidence":0.9760742,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.10448035597801208},{"word":"oh","start":690.10004,"end":690.18,"confidence":0.73876953,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.11842569708824158},{"word":"sorry","start":690.18,"end":690.5,"confidence":0.6879883,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.0785675197839737},{"word":"70%","start":690.5,"end":691.22003,"confidence":0.9951172,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.08615344762802124},{"word":"in","start":691.22003,"end":691.38,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11887933313846588},{"word":"growth","start":691.38,"end":691.78,"confidence":0.9536133,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07986991107463837},{"word":"investments","start":691.78,"end":692.28,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06750377267599106},{"word":"and","start":692.34,"end":692.58,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09453993290662766},{"word":"30%","start":692.58,"end":693.3,"confidence":0.9482422,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.1406626254320145},{"word":"defensive","start":693.3,"end":693.8,"confidence":0.6809082,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":0.08891262859106064},{"word":"it's","start":694.5,"end":694.66003,"confidence":0.6212158,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.09168866276741028},{"word":"things","start":694.66003,"end":694.9,"confidence":0.99316406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09579171240329742},{"word":"like","start":694.9,"end":695.14,"confidence":0.9863281,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08711116760969162},{"word":"australian","start":695.14,"end":695.54004,"confidence":0.9863281,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.09239538013935088},{"word":"equities","start":695.54004,"end":696.02,"confidence":0.9508464,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.09345169365406036},{"word":"international","start":696.02,"end":696.52,"confidence":0.9951172,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.0826474130153656},{"word":"equities","start":696.66003,"end":697.14,"confidence":0.8417969,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.09489766508340836},{"word":"property","start":697.14,"end":697.64,"confidence":0.9597168,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08602927625179291},{"word":"and","start":697.7,"end":698.2,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10054535418748856},{"word":"growth","start":698.42,"end":698.82,"confidence":0.93847656,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09145978838205338},{"word":"assets","start":698.82,"end":699.32,"confidence":0.7841797,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.0881488248705864},{"word":"so","start":699.78,"end":699.86,"confidence":0.71875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08990681916475296},{"word":"growth","start":699.86,"end":700.18,"confidence":0.8769531,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.07131623476743698},{"word":"alternatives","start":700.18,"end":700.68,"confidence":0.96972656,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.056569699198007584},{"word":"like","start":700.9,"end":701.14,"confidence":0.7216797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08045007288455963},{"word":"gold","start":701.14,"end":701.46,"confidence":0.99316406,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.09545063227415083},{"word":"and","start":701.46,"end":701.62,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07102327793836594},{"word":"silver","start":701.62,"end":702.12,"confidence":0.8076172,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.08657070994377136},{"word":"and","start":702.415,"end":702.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06367185711860657},{"word":"then","start":702.655,"end":702.895,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07398682832717896},{"word":"defensive","start":702.895,"end":703.395,"confidence":0.9921875,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.04988402873277664},{"word":"assets","start":703.455,"end":703.775,"confidence":0.96435547,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.06985042989253998},{"word":"of","start":703.775,"end":703.935,"confidence":0.3413086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07746803760528564},{"word":"things","start":703.935,"end":704.175,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07516206800937653},{"word":"like","start":704.175,"end":704.415,"confidence":0.9506836,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07535403221845627},{"word":"fixed","start":704.415,"end":704.735,"confidence":0.9980469,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.07707472145557404},{"word":"interest","start":704.735,"end":705.235,"confidence":0.96972656,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.10341691970825195},{"word":"other","start":706.015,"end":706.335,"confidence":0.99121094,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09234166890382768},{"word":"defensive","start":706.335,"end":706.835,"confidence":0.99902344,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.07300209999084473},{"word":"things","start":706.975,"end":707.295,"confidence":0.9941406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09057451784610748},{"word":"like","start":707.295,"end":707.615,"confidence":0.94140625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07895564287900925},{"word":"bank","start":707.615,"end":707.935,"confidence":0.99609375,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.06255916506052017},{"word":"notes","start":707.935,"end":708.255,"confidence":0.8120117,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.05296962708234787},{"word":"and","start":708.255,"end":708.415,"confidence":0.7211914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08774330466985703},{"word":"things","start":708.415,"end":708.735,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07463231682777405},{"word":"like","start":708.735,"end":708.895,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06669710576534271},{"word":"that","start":708.895,"end":709.055,"confidence":0.9580078,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10785219818353652},{"word":"and","start":709.055,"end":709.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09554192423820496},{"word":"then","start":709.215,"end":709.375,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10960783064365388},{"word":"also","start":709.375,"end":709.695,"confidence":0.8935547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10889339447021484},{"word":"some","start":709.695,"end":709.935,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10086677223443984},{"word":"cash","start":709.935,"end":710.175,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.13610689342021942},{"word":"in","start":710.175,"end":710.335,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0992496907711029},{"word":"there","start":710.335,"end":710.575,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.13320821523666382},{"word":"as","start":710.575,"end":710.735,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10862070322036745},{"word":"well","start":710.735,"end":711.135,"confidence":0.9885254,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10131144523620604},{"word":"so","start":711.135,"end":711.635,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11106861382722856},{"word":"it's","start":711.695,"end":711.935,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14320814609527588},{"word":"about","start":711.935,"end":712.335,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1378924995660782},{"word":"diversifying","start":712.335,"end":712.835,"confidence":1.0,"punctuated_word":"diversifying","sentiment":"neutral","sentiment_score":0.14933383464813232},{"word":"there","start":713.135,"end":713.635,"confidence":0.9614258,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1391679346561432},{"word":"with","start":713.695,"end":713.935,"confidence":1.0,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.13248346745967865},{"word":"your","start":713.935,"end":714.175,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1397343873977661},{"word":"existing","start":714.175,"end":714.675,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.09623366594314577},{"word":"portfolio","start":714.735,"end":715.235,"confidence":0.8210449,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.10677284002304076},{"word":"the","start":715.375,"end":715.455,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11653034389019012},{"word":"way","start":715.455,"end":715.615,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1257086545228958},{"word":"you","start":715.615,"end":715.695,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12697957456111908},{"word":"are","start":715.695,"end":715.775,"confidence":0.6074219,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10540494322776794},{"word":"at","start":715.775,"end":715.935,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09977590292692184},{"word":"the","start":715.935,"end":716.09503,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1040334552526474},{"word":"moment","start":716.09503,"end":716.335,"confidence":0.9970703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.10229837149381638},{"word":"you're","start":716.335,"end":716.495,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09488951414823532},{"word":"actually","start":716.495,"end":716.895,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.08753425627946854},{"word":"81.35%","start":716.895,"end":718.47,"confidence":0.9600423,"punctuated_word":"81.35%","sentiment":"neutral","sentiment_score":0.07463446259498596},{"word":"in","start":718.47,"end":718.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09529490768909454},{"word":"those","start":718.63,"end":718.87,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05616580694913864},{"word":"growth","start":718.87,"end":719.19,"confidence":0.9760742,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06713797152042389},{"word":"investments","start":719.19,"end":719.69,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.052400797605514526},{"word":"and","start":719.75,"end":719.99,"confidence":0.72021484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05668387562036514},{"word":"about","start":719.99,"end":720.31,"confidence":0.7192383,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07068885862827301},{"word":"18.65%","start":720.31,"end":721.82996,"confidence":0.99726564,"punctuated_word":"18.65%","sentiment":"neutral","sentiment_score":0.06224000081419945},{"word":"in","start":721.82996,"end":721.99,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07719298452138901},{"word":"defensive","start":721.99,"end":722.49,"confidence":0.99902344,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.034512437880039215},{"word":"investments","start":722.63,"end":723.13,"confidence":0.8774414,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.025856541469693184},{"word":"so","start":723.19,"end":723.69,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0412849560379982},{"word":"a","start":723.75,"end":723.91,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02506311424076557},{"word":"bit","start":723.91,"end":724.14996,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.020631611347198486},{"word":"overweighted","start":724.14996,"end":724.64996,"confidence":0.8718262,"punctuated_word":"overweighted","sentiment":"neutral","sentiment_score":0.004230506718158722},{"word":"with","start":724.79,"end":725.02997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03272933512926102},{"word":"where","start":725.02997,"end":725.26996,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.025439076125621796},{"word":"we","start":725.26996,"end":725.43,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014694415032863615},{"word":"are","start":725.43,"end":725.58997,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.004238195717334747},{"word":"at","start":725.58997,"end":725.67,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.005838625133037567},{"word":"the","start":725.67,"end":725.75,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016707517206668854},{"word":"moment","start":725.75,"end":726.23,"confidence":0.94189453,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.020721763372421265},{"word":"more","start":726.23,"end":726.38995,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009838659316301346},{"word":"in","start":726.38995,"end":726.47,"confidence":0.2783203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007670439779758453},{"word":"that","start":726.47,"end":726.70996,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019291125237941745},{"word":"growth","start":726.70996,"end":727.11,"confidence":0.984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0012571215629577637},{"word":"kind","start":727.11,"end":727.26996,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.005727425217628479},{"word":"of","start":727.26996,"end":727.43,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006056249141693115},{"word":"allocation","start":727.43,"end":727.93,"confidence":0.99658203,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.02085012011229992},{"word":"so","start":729.43,"end":729.58997,"confidence":0.7451172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07634862512350082},{"word":"with","start":729.58997,"end":729.82996,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08824951946735382},{"word":"the","start":729.82996,"end":729.99,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10171477496623992},{"word":"proposed","start":729.99,"end":730.49,"confidence":0.99609375,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.13239525258541107},{"word":"changes","start":730.55,"end":731.02997,"confidence":0.99853516,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.10595542192459106},{"word":"it'll","start":731.02997,"end":731.35,"confidence":0.99609375,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.12478813529014587},{"word":"see","start":731.35,"end":731.51,"confidence":0.9741211,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.130587637424469},{"word":"us","start":731.51,"end":731.67,"confidence":0.99609375,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13081754744052887},{"word":"reduce","start":731.67,"end":732.17,"confidence":0.99609375,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.07542558014392853},{"word":"your","start":732.23,"end":732.47,"confidence":0.9741211,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07651866972446442},{"word":"growth","start":732.47,"end":732.97,"confidence":0.96875,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0020204633474349976},{"word":"exposure","start":733.085,"end":733.405,"confidence":0.9951172,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.014382340013980864},{"word":"down","start":733.405,"end":733.485,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07909509539604187},{"word":"to","start":733.485,"end":733.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08015725761651993},{"word":"65%","start":733.805,"end":735.025,"confidence":0.99902344,"punctuated_word":"65%","sentiment":"neutral","sentiment_score":0.09026883542537688},{"word":"and","start":735.325,"end":735.405,"confidence":0.8432617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08720026910305023},{"word":"then","start":735.405,"end":735.565,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08901901543140411},{"word":"bring","start":735.565,"end":735.805,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.11354032158851624},{"word":"your","start":735.805,"end":736.045,"confidence":0.9536133,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09573747217655182},{"word":"defensive","start":736.045,"end":736.545,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.05834878981113434},{"word":"investments","start":736.605,"end":737.005,"confidence":0.984375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05619696155190468},{"word":"up","start":737.005,"end":737.245,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08701933920383453},{"word":"to","start":737.245,"end":737.405,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08271826803684235},{"word":"35%","start":737.405,"end":738.365,"confidence":0.9949544,"punctuated_word":"35%.","sentiment":"neutral","sentiment_score":0.07508109509944916},{"word":"so","start":738.365,"end":738.84503,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05377441644668579},{"word":"it's","start":738.84503,"end":739.165,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05903775244951248},{"word":"about","start":739.165,"end":739.485,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06786293536424637},{"word":"sort","start":739.485,"end":739.645,"confidence":0.8173828,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06002766266465187},{"word":"of","start":739.645,"end":739.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07357122749090195},{"word":"a","start":739.885,"end":739.965,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08150729537010193},{"word":"5%","start":739.965,"end":740.525,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.055999092757701874},{"word":"variance","start":740.525,"end":741.005,"confidence":0.9941406,"punctuated_word":"variance","sentiment":"neutral","sentiment_score":0.04301764816045761},{"word":"from","start":741.005,"end":741.245,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03653508052229881},{"word":"where","start":741.245,"end":741.485,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.029088564217090607},{"word":"that","start":741.485,"end":741.645,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048734452575445175},{"word":"growth","start":741.645,"end":741.965,"confidence":0.93603516,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03831691294908523},{"word":"in","start":741.965,"end":742.125,"confidence":0.61865234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029797598719596863},{"word":"defensive","start":742.125,"end":742.605,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.017388567328453064},{"word":"allocation","start":742.605,"end":743.105,"confidence":0.9951172,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.062404245138168335},{"word":"for","start":743.165,"end":743.325,"confidence":0.55126953,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0355934239923954},{"word":"your","start":743.325,"end":743.565,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06508319079875946},{"word":"risk","start":743.565,"end":743.805,"confidence":0.9760742,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.006656050682067871},{"word":"profile","start":743.805,"end":744.205,"confidence":0.99902344,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.009650841355323792},{"word":"is","start":744.205,"end":744.445,"confidence":0.9267578,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.052260205149650574},{"word":"but","start":744.445,"end":744.605,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08373361825942993},{"word":"it's","start":744.605,"end":744.84503,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12309744209051132},{"word":"very","start":744.84503,"end":745.165,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.13323932886123657},{"word":"much","start":745.165,"end":745.405,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14718109369277954},{"word":"in","start":745.405,"end":745.645,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1278982013463974},{"word":"line","start":745.645,"end":745.885,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.154381662607193},{"word":"with","start":745.885,"end":746.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1743098795413971},{"word":"that","start":746.045,"end":746.545,"confidence":0.7895508,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12655535340309143},{"word":"and","start":747.06,"end":747.14,"confidence":0.97265625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13021306693553925},{"word":"it's","start":747.14,"end":747.46,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15683162212371826},{"word":"about","start":747.46,"end":747.78,"confidence":0.99316406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15273238718509674},{"word":"just","start":747.78,"end":748.02,"confidence":0.8535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18826651573181152},{"word":"reducing","start":748.02,"end":748.5,"confidence":1.0,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.15358558297157288},{"word":"your","start":748.5,"end":748.66003,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12855291366577148},{"word":"risk","start":748.66003,"end":748.98004,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.008356578648090363},{"word":"level","start":748.98004,"end":749.38,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.026898734271526337},{"word":"a","start":749.38,"end":749.46,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17798268795013428},{"word":"little","start":749.46,"end":749.62,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17245113849639893},{"word":"bit","start":749.62,"end":749.78,"confidence":0.9460449,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.17901745438575745},{"word":"which","start":749.78,"end":750.02,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21538309752941132},{"word":"is","start":750.02,"end":750.10004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17734138667583466},{"word":"what","start":750.10004,"end":750.34,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17611904442310333},{"word":"this","start":750.34,"end":750.58,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.254241406917572},{"word":"portfolio","start":750.58,"end":751.08,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.13437439501285553},{"word":"does","start":751.3,"end":751.62,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.26996082067489624},{"word":"for","start":751.62,"end":751.78,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.237214595079422},{"word":"you","start":751.78,"end":752.18,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10873106867074966},{"word":"does","start":752.18,"end":752.34,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.12384775280952454},{"word":"that","start":752.34,"end":752.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16725599765777588},{"word":"make","start":752.58,"end":752.74,"confidence":0.9863281,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13204747438430786},{"word":"sense","start":752.74,"end":753.24,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1046050414443016},{"word":"yep","start":754.58,"end":755.08,"confidence":0.72229004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10961611568927764},{"word":"perfect","start":755.22003,"end":755.72003,"confidence":0.9838867,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5484768748283386},{"word":"excellent","start":756.26,"end":756.76,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.38882672786712646},{"word":"we've","start":757.86005,"end":758.18,"confidence":0.98583984,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.10508237779140472},{"word":"also","start":758.18,"end":758.58,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09816213697195052},{"word":"got","start":758.58,"end":758.9,"confidence":0.9873047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09406008571386336},{"word":"here","start":758.9,"end":759.4,"confidence":0.99609375,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.07156813144683838},{"word":"on","start":759.54004,"end":759.7,"confidence":0.50097656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07532242685556412},{"word":"the","start":759.7,"end":759.86005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08240971714258194},{"word":"next","start":759.86005,"end":760.10004,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.044990718364715576},{"word":"page","start":760.10004,"end":760.34,"confidence":0.9790039,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.060715753585100174},{"word":"to","start":760.34,"end":760.5,"confidence":0.26782227,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04927679151296616},{"word":"see","start":760.5,"end":760.74,"confidence":0.35595703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.042018238455057144},{"word":"comparison","start":760.74,"end":761.24,"confidence":0.92333984,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.06661640852689743},{"word":"table","start":761.62,"end":762.02,"confidence":0.8876953,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.05329067260026932},{"word":"so","start":762.02,"end":762.495,"confidence":0.8183594,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11070769280195236},{"word":"essentially","start":762.65497,"end":762.975,"confidence":0.9980469,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10272045433521272},{"word":"having","start":762.975,"end":763.375,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.12895691394805908},{"word":"a","start":763.375,"end":763.455,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13438788056373596},{"word":"look","start":763.455,"end":763.695,"confidence":0.9794922,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.10672810673713684},{"word":"you'll","start":763.695,"end":763.855,"confidence":0.9914551,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.11862505972385406},{"word":"see","start":763.855,"end":764.015,"confidence":0.9838867,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13080385327339172},{"word":"you've","start":764.015,"end":764.175,"confidence":0.888916,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11867569386959076},{"word":"got","start":764.175,"end":764.415,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14807744324207306},{"word":"your","start":764.415,"end":764.495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14881019294261932},{"word":"current","start":764.495,"end":764.975,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.094472736120224},{"word":"portfolio","start":764.975,"end":765.475,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07532183080911636},{"word":"on","start":765.615,"end":765.775,"confidence":0.9111328,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15311706066131592},{"word":"the","start":765.775,"end":765.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13028347492218018},{"word":"first","start":765.935,"end":766.255,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0939640998840332},{"word":"column","start":766.255,"end":766.575,"confidence":1.0,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.1287078857421875},{"word":"there","start":766.575,"end":766.895,"confidence":0.8239746,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11965331435203552},{"word":"noting","start":766.895,"end":767.21497,"confidence":0.99609375,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.1440340280532837},{"word":"your","start":767.21497,"end":767.455,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15087443590164185},{"word":"current","start":767.455,"end":767.775,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08939623087644577},{"word":"balance","start":767.775,"end":768.175,"confidence":0.9016113,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.12278991937637328},{"word":"the","start":768.175,"end":768.415,"confidence":0.9243164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15768054127693176},{"word":"admin","start":768.415,"end":768.815,"confidence":0.9980469,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.10862933844327928},{"word":"fees","start":768.815,"end":769.21497,"confidence":0.98999023,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.0949135348200798},{"word":"investment","start":769.21497,"end":769.695,"confidence":0.99316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07012571394443512},{"word":"fees","start":769.695,"end":770.015,"confidence":0.9904785,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.1007990837097168},{"word":"any","start":770.015,"end":770.335,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10626792907714844},{"word":"other","start":770.335,"end":770.495,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09921969473361968},{"word":"fees","start":770.495,"end":770.815,"confidence":0.9707031,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.08322807401418686},{"word":"applicable","start":770.815,"end":771.315,"confidence":0.8330078,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":0.0821310505270958},{"word":"that","start":771.375,"end":771.535,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12558947503566742},{"word":"you","start":771.535,"end":771.695,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13564850389957428},{"word":"are","start":771.695,"end":771.855,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09560959786176682},{"word":"currently","start":771.855,"end":772.335,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.09414592385292052},{"word":"paying","start":772.335,"end":772.835,"confidence":0.9667969,"punctuated_word":"paying,","sentiment":"neutral","sentiment_score":0.14607638120651245},{"word":"the","start":773.135,"end":773.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16527417302131653},{"word":"ongoing","start":773.295,"end":773.795,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1549704372882843},{"word":"service","start":773.855,"end":774.175,"confidence":0.9921875,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.12305596470832823},{"word":"fee","start":774.175,"end":774.415,"confidence":0.9316406,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.15208856761455536},{"word":"for","start":774.415,"end":774.575,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1390979140996933},{"word":"us","start":774.575,"end":774.815,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.17616158723831177},{"word":"looking","start":774.815,"end":775.055,"confidence":0.9199219,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.19197073578834536},{"word":"after","start":775.055,"end":775.375,"confidence":0.9863281,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.20853367447853088},{"word":"everything","start":775.375,"end":775.855,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2945459485054016},{"word":"for","start":775.855,"end":776.095,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21217158436775208},{"word":"you","start":776.095,"end":776.52,"confidence":0.9746094,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.19157662987709043},{"word":"and","start":776.60004,"end":776.68,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1643076241016388},{"word":"then","start":776.68,"end":776.92004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17135846614837646},{"word":"also","start":776.92004,"end":777.16003,"confidence":0.8925781,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11883677542209624},{"word":"your","start":777.16003,"end":777.48004,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15703755617141724},{"word":"contributions","start":777.48004,"end":777.98004,"confidence":0.984375,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.14200343191623688},{"word":"going","start":778.12,"end":778.44,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.15265057981014252},{"word":"in","start":778.44,"end":778.68,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1254483461380005},{"word":"as","start":778.68,"end":778.84,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1450100690126419},{"word":"well","start":778.84,"end":779.34,"confidence":0.8256836,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13607680797576904},{"word":"and","start":779.72003,"end":779.88,"confidence":0.75146484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12426846474409103},{"word":"then","start":779.88,"end":780.04004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1557425558567047},{"word":"your","start":780.04004,"end":780.36005,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13327838480472565},{"word":"insurance","start":780.36005,"end":780.76,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10809023678302764},{"word":"premiums","start":780.76,"end":781.24,"confidence":0.9741211,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.1036536619067192},{"word":"at","start":781.24,"end":781.4,"confidence":0.8959961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10000930726528168},{"word":"the","start":781.4,"end":781.48004,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1552891582250595},{"word":"current","start":781.48004,"end":781.80005,"confidence":0.99316406,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.11046498268842696},{"word":"rate","start":781.80005,"end":782.04004,"confidence":0.9243164,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.11816417425870895},{"word":"there","start":782.04004,"end":782.28,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.12080036103725432},{"word":"at","start":782.28,"end":782.44,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11980926990509032},{"word":"the","start":782.44,"end":782.60004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1121777668595314},{"word":"moment","start":782.60004,"end":783.10004,"confidence":0.7927246,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.10515324771404266},{"word":"with","start":783.72003,"end":784.04004,"confidence":0.94140625,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.09680701792240144},{"word":"where","start":784.04004,"end":784.2,"confidence":0.99121094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09940849989652634},{"word":"you","start":784.2,"end":784.44,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1716875582933426},{"word":"are","start":784.44,"end":784.68,"confidence":0.69677734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11669041216373444},{"word":"currently","start":784.68,"end":785.08,"confidence":0.79956055,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.10877404361963272},{"word":"you're","start":785.08,"end":785.24,"confidence":0.98706055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15036121010780334},{"word":"in","start":785.24,"end":785.32,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1394883245229721},{"word":"that","start":785.32,"end":785.48004,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1614537239074707},{"word":"growth","start":785.48004,"end":785.88,"confidence":0.8251953,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2094135880470276},{"word":"portfolio","start":785.88,"end":786.38,"confidence":0.9248047,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1088169366121292},{"word":"which","start":786.52,"end":786.76,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06752829998731613},{"word":"hasn't","start":786.76,"end":787.08,"confidence":0.9995117,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.1028856486082077},{"word":"done","start":787.08,"end":787.32,"confidence":0.98535156,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.09972631931304932},{"word":"too","start":787.32,"end":787.48004,"confidence":0.9902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.00020450353622436523},{"word":"badly","start":787.48004,"end":787.80005,"confidence":0.95166016,"punctuated_word":"badly.","sentiment":"neutral","sentiment_score":0.05602791905403137},{"word":"you've","start":787.80005,"end":788.04004,"confidence":0.9980469,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.29752594232559204},{"word":"had","start":788.04004,"end":788.28,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3433831036090851},{"word":"a","start":788.28,"end":788.36005,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46715399622917175},{"word":"really","start":788.36005,"end":788.60004,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4306757152080536},{"word":"good","start":788.60004,"end":789.015,"confidence":0.9941406,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5069559216499329},{"word":"couple","start":789.335,"end":789.655,"confidence":0.4555664,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.5148325562477112},{"word":"of","start":789.655,"end":789.97504,"confidence":0.9819336,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49021342396736145},{"word":"years","start":789.97504,"end":790.215,"confidence":0.88134766,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.4672839939594269},{"word":"of","start":790.215,"end":790.375,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4885357320308686},{"word":"returns","start":790.375,"end":790.85504,"confidence":0.99121094,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.519782543182373},{"word":"there","start":790.85504,"end":791.09503,"confidence":0.9555664,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.33636149764060974},{"word":"and","start":791.09503,"end":791.335,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19762593507766724},{"word":"this","start":791.335,"end":791.655,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.324339359998703},{"word":"current","start":791.655,"end":792.055,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.27463942766189575},{"word":"portfolio","start":792.055,"end":792.555,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17256948351860046},{"word":"has","start":792.695,"end":792.935,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.29217836260795593},{"word":"averaged","start":792.935,"end":793.41504,"confidence":0.99316406,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.31783029437065125},{"word":"about","start":793.41504,"end":793.655,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2342173159122467},{"word":"11.73%","start":793.655,"end":795.335,"confidence":0.9873047,"punctuated_word":"11.73%","sentiment":"neutral","sentiment_score":0.24424833059310913},{"word":"over","start":795.335,"end":795.575,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25360575318336487},{"word":"the","start":795.575,"end":795.735,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21545454859733584},{"word":"past","start":795.735,"end":796.055,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.1988930851221085},{"word":"three","start":796.055,"end":796.29504,"confidence":0.99609375,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1712748408317566},{"word":"years","start":796.29504,"end":796.695,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1820344477891922},{"word":"there","start":796.695,"end":797.195,"confidence":0.99316406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14262054860591888},{"word":"but","start":797.655,"end":797.895,"confidence":0.6821289,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13015970587730408},{"word":"because","start":797.895,"end":798.215,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05500970035791397},{"word":"we","start":798.215,"end":798.375,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10842490196228027},{"word":"are","start":798.375,"end":798.615,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1062999665737152},{"word":"wanting","start":798.615,"end":798.935,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.19824734330177307},{"word":"to","start":798.935,"end":799.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.172053724527359},{"word":"look","start":799.015,"end":799.175,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15057697892189026},{"word":"at","start":799.175,"end":799.495,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11328132450580596},{"word":"making","start":799.495,"end":799.815,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.20937806367874143},{"word":"changes","start":799.815,"end":800.315,"confidence":0.9638672,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1828460544347763},{"word":"reducing","start":800.375,"end":800.875,"confidence":1.0,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.120010606944561},{"word":"risk","start":801.015,"end":801.335,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.08470958471298218},{"word":"level","start":801.335,"end":801.835,"confidence":0.9904785,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.014950521290302277},{"word":"it's","start":802.25,"end":802.49,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12920896708965302},{"word":"important","start":802.49,"end":802.89,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1017417162656784},{"word":"that","start":802.89,"end":803.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17716406285762787},{"word":"we","start":803.05,"end":803.29,"confidence":1.0,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.1956358700990677},{"word":"you","start":803.29,"end":803.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22080166637897491},{"word":"know","start":803.45,"end":803.77,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19349074363708496},{"word":"do","start":803.77,"end":804.01,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18267375230789185},{"word":"so","start":804.01,"end":804.25,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2192942053079605},{"word":"in","start":804.25,"end":804.41,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22093847393989563},{"word":"the","start":804.41,"end":804.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18412885069847107},{"word":"best","start":804.49,"end":804.73,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.12599974870681763},{"word":"manner","start":804.73,"end":805.13,"confidence":0.9863281,"punctuated_word":"manner","sentiment":"neutral","sentiment_score":0.21155309677124023},{"word":"possible","start":805.13,"end":805.63,"confidence":0.9975586,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.09164166450500488},{"word":"so","start":805.77,"end":806.27,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05172475427389145},{"word":"the","start":806.41,"end":806.57,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11282189190387726},{"word":"good","start":806.57,"end":806.73,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.29352033138275146},{"word":"thing","start":806.73,"end":806.97,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.369958758354187},{"word":"is","start":806.97,"end":807.47,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24865393340587616},{"word":"when","start":807.52997,"end":807.77,"confidence":0.8618164,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.29798275232315063},{"word":"we","start":807.77,"end":808.27,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1962465941905975},{"word":"when","start":808.41,"end":808.64996,"confidence":0.73828125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15549235045909882},{"word":"we","start":808.64996,"end":808.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13095924258232117},{"word":"do","start":808.89,"end":809.13,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1575174480676651},{"word":"look","start":809.13,"end":809.37,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.103541299700737},{"word":"at","start":809.37,"end":809.45,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08878865838050842},{"word":"making","start":809.45,"end":809.85,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.07891303300857544},{"word":"changes","start":809.85,"end":810.33,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.099726565182209},{"word":"in","start":810.33,"end":810.41,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11085447669029236},{"word":"your","start":810.41,"end":810.64996,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1149062067270279},{"word":"portfolio","start":810.64996,"end":811.14996,"confidence":0.9995117,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.0825517550110817},{"word":"we","start":811.21,"end":811.45,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12573939561843872},{"word":"do","start":811.45,"end":811.61,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14106319844722748},{"word":"factor","start":811.61,"end":812.01,"confidence":0.8881836,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.08807458728551865},{"word":"in","start":812.01,"end":812.17,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1112615242600441},{"word":"the","start":812.17,"end":812.25,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09485894441604614},{"word":"tax","start":812.25,"end":812.64996,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12194119393825532},{"word":"consequences","start":812.64996,"end":813.14996,"confidence":0.99902344,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.04874644428491592},{"word":"for","start":813.29,"end":813.52997,"confidence":0.90722656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.031328603625297546},{"word":"doing","start":813.52997,"end":813.85,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06920347362756729},{"word":"so","start":813.85,"end":814.305,"confidence":0.8901367,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.08026490360498428},{"word":"and","start":814.385,"end":814.46497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10367624461650848},{"word":"that","start":814.46497,"end":814.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1362755298614502},{"word":"would","start":814.705,"end":814.785,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1351137012243271},{"word":"normally","start":814.785,"end":815.265,"confidence":1.0,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.13418690860271454},{"word":"show","start":815.265,"end":815.505,"confidence":0.99609375,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.11743000149726868},{"word":"here","start":815.505,"end":815.665,"confidence":0.9941406,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11378423869609831},{"word":"in","start":815.665,"end":815.825,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10427521914243698},{"word":"that","start":815.825,"end":816.065,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11454952508211136},{"word":"different","start":816.065,"end":816.385,"confidence":0.77978516,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.05148808658123016},{"word":"column","start":816.385,"end":816.705,"confidence":0.9980469,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.03150903061032295},{"word":"at","start":816.705,"end":816.865,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08425342291593552},{"word":"the","start":816.865,"end":817.02496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1059526801109314},{"word":"top","start":817.02496,"end":817.265,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.08921200782060623},{"word":"there","start":817.265,"end":817.585,"confidence":0.9970703,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1149418205022812},{"word":"so","start":817.585,"end":818.085,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14459717273712158},{"word":"with","start":818.305,"end":818.46497,"confidence":0.93115234,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15555992722511292},{"word":"making","start":818.46497,"end":818.865,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1942117810249329},{"word":"the","start":818.865,"end":818.945,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.192067950963974},{"word":"changes","start":818.945,"end":819.425,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.14537130296230316},{"word":"to","start":819.425,"end":819.665,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15222184360027313},{"word":"your","start":819.665,"end":819.90497,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16388627886772156},{"word":"investments","start":819.90497,"end":820.40497,"confidence":0.9921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.07254158705472946},{"word":"as","start":820.545,"end":820.785,"confidence":0.93603516,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17958971858024597},{"word":"noted","start":820.785,"end":821.105,"confidence":0.9980469,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.1389281451702118},{"word":"above","start":821.105,"end":821.505,"confidence":0.9970703,"punctuated_word":"above,","sentiment":"neutral","sentiment_score":0.13592472672462463},{"word":"we","start":821.505,"end":821.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14848966896533966},{"word":"actually","start":821.665,"end":821.985,"confidence":0.9902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.14638832211494446},{"word":"noted","start":821.985,"end":822.225,"confidence":0.7338867,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.16255953907966614},{"word":"that","start":822.225,"end":822.385,"confidence":0.84716797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17527669668197632},{"word":"there's","start":822.385,"end":822.625,"confidence":0.9621582,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12603898346424103},{"word":"no","start":822.625,"end":822.865,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02555147558450699},{"word":"capital","start":822.865,"end":823.265,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.2636529803276062},{"word":"gains","start":823.265,"end":823.765,"confidence":0.9694824,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":-0.03802292421460152},{"word":"the","start":824.545,"end":824.945,"confidence":0.8691406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08297830075025558},{"word":"the","start":824.945,"end":825.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08045561611652374},{"word":"losses","start":825.105,"end":825.585,"confidence":0.9902344,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":-0.04438798129558563},{"word":"that","start":825.585,"end":825.745,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1223408430814743},{"word":"been","start":825.745,"end":826.065,"confidence":0.25219727,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1245393007993698},{"word":"along","start":826.065,"end":826.53,"confidence":0.99316406,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.10565518587827682},{"word":"and","start":826.69,"end":826.93005,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15233349800109863},{"word":"any","start":826.93005,"end":827.25,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1459982842206955},{"word":"other","start":827.25,"end":827.49005,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1530626118183136},{"word":"investments","start":827.49005,"end":827.89,"confidence":0.8491211,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.04198095202445984},{"word":"that","start":827.89,"end":828.05005,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14118659496307373},{"word":"are","start":828.05005,"end":828.13,"confidence":0.9472656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12893274426460266},{"word":"down","start":828.13,"end":828.45,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04628240317106247},{"word":"have","start":828.45,"end":828.69,"confidence":0.9453125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17105001211166382},{"word":"seen","start":828.69,"end":829.09,"confidence":0.8378906,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.15757715702056885},{"word":"have","start":829.09,"end":829.41003,"confidence":0.9316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15031008422374725},{"word":"offset","start":829.41003,"end":829.81006,"confidence":0.9980469,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.04541760683059693},{"word":"the","start":829.81006,"end":829.97003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16042764484882355},{"word":"gains","start":829.97003,"end":830.37006,"confidence":0.9970703,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.15205328166484833},{"word":"that","start":830.37006,"end":830.53,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1804349571466446},{"word":"we","start":830.53,"end":831.03,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19770890474319455},{"word":"might","start":831.33,"end":831.49005,"confidence":0.83740234,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.16406068205833435},{"word":"be","start":831.49005,"end":831.99005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2726755738258362},{"word":"cementing","start":832.69,"end":833.19,"confidence":0.97680664,"punctuated_word":"cementing","sentiment":"neutral","sentiment_score":0.2564014196395874},{"word":"by","start":833.33,"end":833.81006,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2205708771944046},{"word":"moving","start":833.81006,"end":834.21,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1927516609430313},{"word":"some","start":834.21,"end":834.37006,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.21390452980995175},{"word":"of","start":834.37006,"end":834.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22111740708351135},{"word":"the","start":834.45,"end":834.61005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24844083189964297},{"word":"other","start":834.61005,"end":834.85004,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.22033441066741943},{"word":"investments","start":834.85004,"end":835.33,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.06913813203573227},{"word":"and","start":835.33,"end":835.57,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18579179048538208},{"word":"rebalancing","start":835.57,"end":836.07,"confidence":0.9954427,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.22443586587905884},{"word":"a","start":836.21,"end":836.37006,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1973141133785248},{"word":"little","start":836.37006,"end":836.61005,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13019013404846191},{"word":"bit","start":836.61005,"end":837.11005,"confidence":0.92407227,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.12647904455661774},{"word":"so","start":837.41003,"end":837.57,"confidence":0.9506836,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.44005346298217773},{"word":"it","start":837.57,"end":837.73004,"confidence":0.9863281,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4616578221321106},{"word":"actually","start":837.73004,"end":838.05005,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.42626163363456726},{"word":"means","start":838.05005,"end":838.29004,"confidence":0.99902344,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.4230743050575256},{"word":"that","start":838.29004,"end":838.45,"confidence":0.9951172,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5177540183067322},{"word":"there's","start":838.45,"end":838.69,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.45343488454818726},{"word":"no","start":838.69,"end":838.93005,"confidence":0.99902344,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3512682616710663},{"word":"cgt","start":838.93005,"end":839.43005,"confidence":0.9160156,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.15584981441497803},{"word":"consequences","start":839.49005,"end":839.99005,"confidence":0.99316406,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.1201748624444008},{"word":"your","start":840.21,"end":840.45,"confidence":0.96533203,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4857604801654816},{"word":"super","start":840.45,"end":840.85004,"confidence":0.8989258,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4724162220954895},{"word":"fund","start":840.85004,"end":841.09,"confidence":0.9350586,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.46762555837631226},{"word":"has","start":841.09,"end":841.41003,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4318421185016632},{"word":"to","start":841.41003,"end":841.57,"confidence":0.9892578,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42344310879707336},{"word":"account","start":841.57,"end":841.89,"confidence":1.0,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.36487922072410583},{"word":"for","start":841.89,"end":842.05005,"confidence":0.9538574,"punctuated_word":"for,","sentiment":"positive","sentiment_score":0.4845772385597229},{"word":"which","start":842.05005,"end":842.29004,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5177462697029114},{"word":"is","start":842.29004,"end":842.505,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6338927745819092},{"word":"great","start":842.505,"end":842.905,"confidence":0.9812012,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6502703428268433},{"word":"no","start":842.905,"end":842.985,"confidence":0.9980469,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.3789193332195282},{"word":"additional","start":842.985,"end":843.485,"confidence":0.99902344,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.11771172285079956},{"word":"tax","start":843.545,"end":843.78503,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.18091538548469543},{"word":"for","start":843.78503,"end":843.945,"confidence":0.9741211,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3622717261314392},{"word":"your","start":843.945,"end":844.185,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4562695026397705},{"word":"super","start":844.185,"end":844.425,"confidence":0.99609375,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3453251123428345},{"word":"fund","start":844.425,"end":844.665,"confidence":0.9863281,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.29305732250213623},{"word":"to","start":844.665,"end":844.825,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15486909449100494},{"word":"worry","start":844.825,"end":845.145,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.1564893275499344},{"word":"about","start":845.145,"end":845.545,"confidence":0.9711914,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.24794012308120728},{"word":"so","start":845.545,"end":845.625,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5301854610443115},{"word":"yeah","start":847.065,"end":847.545,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2972533702850342},{"word":"absolutely","start":847.545,"end":848.045,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3615888059139252},{"word":"absolutely","start":848.425,"end":848.925,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.28833478689193726},{"word":"so","start":849.305,"end":849.465,"confidence":0.94384766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24170731008052823},{"word":"it","start":849.465,"end":849.625,"confidence":0.87060547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2348250448703766},{"word":"does","start":849.625,"end":849.865,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.23865628242492676},{"word":"mean","start":849.865,"end":850.025,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.2391088455915451},{"word":"the","start":850.025,"end":850.265,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23225852847099304},{"word":"balance","start":850.265,"end":850.665,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.2097409665584564},{"word":"expected","start":850.665,"end":851.065,"confidence":0.99902344,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.23594892024993896},{"word":"in","start":851.065,"end":851.225,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19276678562164307},{"word":"the","start":851.225,"end":851.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22392383217811584},{"word":"recommended","start":851.385,"end":851.885,"confidence":0.9790039,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2666267454624176},{"word":"would","start":851.945,"end":852.105,"confidence":0.95166016,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16296224296092987},{"word":"be","start":852.105,"end":852.265,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17188800871372223},{"word":"about","start":852.265,"end":852.505,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19326700270175937},{"word":"the","start":852.505,"end":852.665,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2012215256690979},{"word":"same","start":852.665,"end":852.905,"confidence":0.99121094,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2276601344347},{"word":"as","start":852.905,"end":853.145,"confidence":0.8857422,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.264848530292511},{"word":"the","start":853.145,"end":853.225,"confidence":0.6152344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2424985468387604},{"word":"$311,002.79","start":853.225,"end":855.805,"confidence":0.9846924,"punctuated_word":"$311,002.79.","sentiment":"neutral","sentiment_score":0.1880505084991455},{"word":"we","start":856.47,"end":856.70996,"confidence":0.95410156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.17215190827846527},{"word":"are","start":856.70996,"end":856.95,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1376129686832428},{"word":"retaining","start":856.95,"end":857.35,"confidence":0.9980469,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.1546000838279724},{"word":"hub","start":857.35,"end":857.67,"confidence":0.7207031,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.21787679195404053},{"word":"twenty","start":857.67,"end":857.91,"confidence":0.99609375,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2060015499591827},{"word":"four","start":857.91,"end":858.23,"confidence":0.80249023,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.1647849082946777},{"word":"so","start":858.23,"end":858.73,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13645172119140625},{"word":"there's","start":858.79,"end":859.02997,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1704220175743103},{"word":"no","start":859.02997,"end":859.27,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.1140681803226471},{"word":"change","start":859.27,"end":859.58997,"confidence":0.9970703,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.05338270217180252},{"word":"in","start":859.58997,"end":859.75,"confidence":0.515625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06969359517097473},{"word":"the","start":859.75,"end":859.91,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16554780304431915},{"word":"investment","start":859.91,"end":860.39,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07039960473775864},{"word":"fees","start":860.39,"end":860.70996,"confidence":0.58691406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.09936587512493134},{"word":"there","start":860.70996,"end":861.20996,"confidence":0.9975586,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16570092737674713},{"word":"hub","start":861.35,"end":861.58997,"confidence":0.9589844,"punctuated_word":"Hub","sentiment":"positive","sentiment_score":0.5165755748748779},{"word":"twenty","start":861.58997,"end":861.83,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.4662977159023285},{"word":"four","start":861.83,"end":861.95,"confidence":1.0,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.5269849300384521},{"word":"is","start":861.95,"end":862.07,"confidence":0.72265625,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4834118783473969},{"word":"still","start":862.07,"end":862.31,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4844895005226135},{"word":"a","start":862.31,"end":862.39,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5735448598861694},{"word":"great","start":862.39,"end":862.63,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6389148831367493},{"word":"platform","start":862.63,"end":863.11,"confidence":0.9980469,"punctuated_word":"platform.","sentiment":"positive","sentiment_score":0.5087790489196777},{"word":"there's","start":863.11,"end":863.35,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.18244144320487976},{"word":"no","start":863.35,"end":863.51,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.12453825026750565},{"word":"real","start":863.51,"end":863.75,"confidence":0.99902344,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.04868122935295105},{"word":"major","start":863.75,"end":864.07,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.02878157794475555},{"word":"changes","start":864.07,"end":864.47,"confidence":0.99316406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.053152695298194885},{"word":"that","start":864.47,"end":864.70996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.037289097905159},{"word":"needs","start":864.70996,"end":864.95,"confidence":0.9873047,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.0058723390102386475},{"word":"to","start":864.95,"end":865.02997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021039746701717377},{"word":"happen","start":865.02997,"end":865.35,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.01029077172279358},{"word":"to","start":865.35,"end":865.51,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03694808483123779},{"word":"that","start":865.51,"end":865.75,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12606239318847656},{"word":"at","start":865.75,"end":865.83,"confidence":0.90527344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07602882385253906},{"word":"the","start":865.83,"end":865.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1182750165462494},{"word":"moment","start":865.91,"end":866.41,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1329289674758911},{"word":"we","start":866.55,"end":866.70996,"confidence":0.96972656,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04918055981397629},{"word":"do","start":866.70996,"end":866.87,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05401035398244858},{"word":"wanna","start":866.87,"end":867.19,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04543764889240265},{"word":"obviously","start":867.19,"end":867.58997,"confidence":0.6503906,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03899350017309189},{"word":"keep","start":867.58997,"end":867.83,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05321866273880005},{"word":"checking","start":867.83,"end":868.14996,"confidence":0.99902344,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.0631319209933281},{"word":"things","start":868.14996,"end":868.64996,"confidence":0.9995117,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.04244798794388771},{"word":"we","start":868.775,"end":869.09503,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02395692840218544},{"word":"do","start":869.09503,"end":869.335,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03176932781934738},{"word":"reevaluate","start":869.335,"end":869.835,"confidence":0.9156901,"punctuated_word":"reevaluate.","sentiment":"neutral","sentiment_score":0.017073409631848335},{"word":"we","start":870.135,"end":870.375,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.012254498898983002},{"word":"are","start":870.375,"end":870.53503,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00437590479850769},{"word":"looking","start":870.53503,"end":870.775,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.01035386323928833},{"word":"at","start":870.775,"end":870.935,"confidence":0.91015625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02456342801451683},{"word":"investments","start":870.935,"end":871.435,"confidence":0.7324219,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.005993487313389778},{"word":"other","start":871.575,"end":871.815,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0025802478194236755},{"word":"platforms","start":871.815,"end":872.315,"confidence":1.0,"punctuated_word":"platforms","sentiment":"neutral","sentiment_score":0.03659532219171524},{"word":"out","start":872.455,"end":872.615,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.010073009878396988},{"word":"there","start":872.615,"end":872.775,"confidence":0.9440918,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0018725786358118055},{"word":"and","start":872.775,"end":872.935,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0024375133216381073},{"word":"we","start":872.935,"end":873.09503,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004441309720277786},{"word":"did","start":873.09503,"end":873.335,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.005461364984512329},{"word":"consider","start":873.335,"end":873.815,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.026266567409038544},{"word":"a","start":873.815,"end":873.97504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0280428659170866},{"word":"few","start":873.97504,"end":874.295,"confidence":0.842041,"punctuated_word":"few.","sentiment":"neutral","sentiment_score":-0.025041673332452778},{"word":"but","start":874.295,"end":874.795,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09541716426610948},{"word":"the","start":874.935,"end":875.435,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2134811133146286},{"word":"the","start":875.655,"end":875.895,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24404168128967285},{"word":"capital","start":875.895,"end":876.375,"confidence":0.99316406,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.4473109841346741},{"word":"gains","start":876.375,"end":876.695,"confidence":0.99121094,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.3207836151123047},{"word":"cost","start":876.695,"end":876.935,"confidence":0.90234375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.31648796796798706},{"word":"of","start":876.935,"end":877.09503,"confidence":0.4802246,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.377017080783844},{"word":"selling","start":877.09503,"end":877.415,"confidence":0.98828125,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.3844276070594787},{"word":"down","start":877.415,"end":877.655,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.21495965123176575},{"word":"your","start":877.655,"end":877.895,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.34581127762794495},{"word":"portfolio","start":877.895,"end":878.395,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2743718922138214},{"word":"completely","start":878.695,"end":879.175,"confidence":0.9941406,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.28909435868263245},{"word":"and","start":879.175,"end":879.335,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3182087242603302},{"word":"moving","start":879.335,"end":879.655,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"negative","sentiment_score":-0.33386316895484924},{"word":"to","start":879.655,"end":879.815,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.30657753348350525},{"word":"a","start":879.815,"end":879.97504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30457818508148193},{"word":"new","start":879.97504,"end":880.215,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.25534752011299133},{"word":"fund","start":880.215,"end":880.715,"confidence":0.9980469,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2032652497291565},{"word":"just","start":880.935,"end":881.175,"confidence":0.9770508,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.662384033203125},{"word":"doesn't","start":881.175,"end":881.415,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"negative","sentiment_score":-0.6189171671867371},{"word":"really","start":881.415,"end":881.735,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.6230351328849792},{"word":"add","start":881.735,"end":881.97504,"confidence":1.0,"punctuated_word":"add","sentiment":"negative","sentiment_score":-0.5985836386680603},{"word":"up","start":881.97504,"end":882.135,"confidence":0.9970703,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.6215501427650452},{"word":"at","start":882.135,"end":882.295,"confidence":0.9921875,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.688134491443634},{"word":"all","start":882.295,"end":882.53503,"confidence":0.7883301,"punctuated_word":"all.","sentiment":"negative","sentiment_score":-0.6028256416320801},{"word":"so","start":882.53503,"end":882.855,"confidence":0.9951172,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.4951245188713074},{"word":"it","start":882.855,"end":883.015,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.595653772354126},{"word":"ended","start":883.015,"end":883.335,"confidence":0.9536133,"punctuated_word":"ended","sentiment":"negative","sentiment_score":-0.5561815500259399},{"word":"up","start":883.335,"end":883.495,"confidence":0.9980469,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.5625417232513428},{"word":"being","start":883.495,"end":883.815,"confidence":0.9980469,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.5776285529136658},{"word":"too","start":883.815,"end":884.055,"confidence":0.99902344,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.5990909337997437},{"word":"much","start":884.055,"end":884.295,"confidence":0.9975586,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.19646821916103363},{"word":"it's","start":884.295,"end":884.67,"confidence":0.8911133,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14605914056301117},{"word":"best","start":884.91,"end":885.02997,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.14389880001544952},{"word":"to","start":885.02997,"end":885.14996,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1865500807762146},{"word":"try","start":885.14996,"end":885.47,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.20645654201507568},{"word":"and","start":885.47,"end":885.63,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23528558015823364},{"word":"retain","start":885.63,"end":886.02997,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.16451118886470795},{"word":"where","start":886.02997,"end":886.26996,"confidence":0.9838867,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.26927879452705383},{"word":"you","start":886.26996,"end":886.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2647975981235504},{"word":"can","start":886.35,"end":886.67,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23720453679561615},{"word":"and","start":886.67,"end":886.82996,"confidence":0.9199219,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2868770360946655},{"word":"switch","start":886.82996,"end":887.14996,"confidence":0.9970703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.15952718257904053},{"word":"investments","start":887.14996,"end":887.64996,"confidence":0.99121094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1630953848361969},{"word":"where","start":887.70996,"end":887.95,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.30702921748161316},{"word":"you","start":887.95,"end":888.11,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34990832209587097},{"word":"can","start":888.11,"end":888.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3115391433238983},{"word":"as","start":888.35,"end":888.51,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28236472606658936},{"word":"well","start":888.51,"end":888.82996,"confidence":0.9790039,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2058889865875244},{"word":"so","start":888.82996,"end":889.32996,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17058943212032318},{"word":"yeah","start":899.885,"end":900.385,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0012521129101514816},{"word":"yeah","start":903.085,"end":903.585,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06224323436617851},{"word":"yeah","start":907.805,"end":908.305,"confidence":0.78393555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013246512040495872},{"word":"yeah","start":917.98004,"end":918.48004,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021893871948122975},{"word":"yeah","start":919.10004,"end":919.60004,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02233920246362686},{"word":"yeah","start":923.275,"end":923.59503,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.036922886967659},{"word":"that's","start":923.59503,"end":923.91504,"confidence":0.984375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07828635722398758},{"word":"good","start":923.91504,"end":924.395,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2495007961988449},{"word":"that's","start":924.395,"end":924.715,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28825464844703674},{"word":"good","start":924.715,"end":925.215,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4251829981803894},{"word":"yeah","start":926.875,"end":927.375,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15670081973075867},{"word":"perfect","start":927.515,"end":928.015,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4050379395484924},{"word":"yeah","start":928.47504,"end":928.97504,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19146063923835752},{"word":"yep","start":931.275,"end":931.775,"confidence":0.9824219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23765268921852112},{"word":"yep","start":934.64996,"end":935.14996,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14050185680389404},{"word":"yeah","start":936.49,"end":936.97,"confidence":0.9316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31207430362701416},{"word":"perfect","start":936.97,"end":937.47,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5190427303314209},{"word":"perfect","start":937.61,"end":938.11,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5185228586196899},{"word":"the","start":939.20996,"end":939.44995,"confidence":0.72314453,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4335366487503052},{"word":"good","start":939.44995,"end":939.61,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5709325075149536},{"word":"thing","start":939.61,"end":939.85,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.6063688397407532},{"word":"about","start":939.85,"end":940.08997,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5160775780677795},{"word":"the","start":940.08997,"end":940.25,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5045764446258545},{"word":"investment","start":940.25,"end":940.73,"confidence":0.83203125,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.36779552698135376},{"word":"switch","start":940.73,"end":941.05,"confidence":0.90771484,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.29685676097869873},{"word":"is","start":941.05,"end":941.20996,"confidence":0.9921875,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4943251311779022},{"word":"you'll","start":941.20996,"end":941.44995,"confidence":0.9421387,"punctuated_word":"you'll","sentiment":"positive","sentiment_score":0.5150368809700012},{"word":"see","start":941.44995,"end":941.61,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5526654720306396},{"word":"your","start":941.61,"end":941.76996,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.48332536220550537},{"word":"investment","start":941.76996,"end":942.26996,"confidence":0.9838867,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2909008860588074},{"word":"fees","start":942.32996,"end":942.57,"confidence":0.9301758,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4077191948890686},{"word":"do","start":942.57,"end":942.81,"confidence":0.96875,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4159827530384064},{"word":"drop","start":942.81,"end":943.20996,"confidence":0.95996094,"punctuated_word":"drop.","sentiment":"positive","sentiment_score":0.38361936807632446},{"word":"so","start":943.20996,"end":943.44995,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28365546464920044},{"word":"we","start":943.44995,"end":943.69,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30140334367752075},{"word":"started","start":943.69,"end":944.01,"confidence":0.93115234,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.3288803696632385},{"word":"off","start":944.01,"end":944.25,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.262082576751709},{"word":"with","start":944.25,"end":944.41,"confidence":0.5551758,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.33749085664749146},{"word":"the","start":944.41,"end":944.49,"confidence":0.88964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3176942467689514},{"word":"$12.58","start":944.49,"end":945.375,"confidence":0.9401245,"punctuated_word":"$12.58.","sentiment":"neutral","sentiment_score":0.30646830797195435},{"word":"it's","start":945.375,"end":945.53503,"confidence":0.99121094,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3526768684387207},{"word":"down","start":945.53503,"end":945.855,"confidence":0.9770508,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.29218021035194397},{"word":"to","start":945.855,"end":946.015,"confidence":0.97509766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39564886689186096},{"word":"$5.29","start":946.015,"end":946.735,"confidence":0.998291,"punctuated_word":"$5.29","sentiment":"positive","sentiment_score":0.4180744290351868},{"word":"with","start":946.735,"end":946.895,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3725875616073608},{"word":"the","start":946.895,"end":947.055,"confidence":0.7182617,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3937053680419922},{"word":"new","start":947.055,"end":947.295,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.29644426703453064},{"word":"portfolio","start":947.295,"end":947.795,"confidence":0.8120117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.31551092863082886},{"word":"so","start":947.855,"end":948.015,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4317113757133484},{"word":"it","start":948.015,"end":948.175,"confidence":0.9194336,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5161066651344299},{"word":"essentially","start":948.175,"end":948.675,"confidence":0.9707031,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.4624960720539093},{"word":"saves","start":948.735,"end":949.055,"confidence":0.86035156,"punctuated_word":"saves","sentiment":"positive","sentiment_score":0.4741962254047394},{"word":"$729","start":949.055,"end":950.675,"confidence":0.9993164,"punctuated_word":"$729","sentiment":"positive","sentiment_score":0.6263694763183594},{"word":"in","start":950.895,"end":951.055,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5905356407165527},{"word":"investment","start":951.055,"end":951.555,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.3005548119544983},{"word":"fees","start":951.615,"end":951.935,"confidence":0.98535156,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4683234691619873},{"word":"for","start":951.935,"end":952.09503,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5539470911026001},{"word":"the","start":952.09503,"end":952.255,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5186873078346252},{"word":"first","start":952.255,"end":952.495,"confidence":0.99902344,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.4903866946697235},{"word":"year","start":952.495,"end":952.735,"confidence":0.9885254,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.5795696973800659},{"word":"which","start":952.735,"end":952.97504,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5932798385620117},{"word":"is","start":952.97504,"end":953.215,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6361168622970581},{"word":"great","start":953.215,"end":953.53503,"confidence":0.99853516,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6561181545257568},{"word":"any","start":953.53503,"end":953.775,"confidence":0.9970703,"punctuated_word":"Any","sentiment":"positive","sentiment_score":0.5063375234603882},{"word":"kind","start":953.775,"end":954.015,"confidence":0.7480469,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4289845824241638},{"word":"of","start":954.015,"end":954.175,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.48839130997657776},{"word":"saving","start":954.175,"end":954.575,"confidence":0.99609375,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.47767582535743713},{"word":"on","start":954.575,"end":954.815,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5294418334960938},{"word":"fees","start":954.815,"end":955.135,"confidence":0.9892578,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4301193952560425},{"word":"means","start":955.135,"end":955.375,"confidence":0.9980469,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.39777031540870667},{"word":"that","start":955.375,"end":955.615,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.41262173652648926},{"word":"that","start":955.615,"end":956.09503,"confidence":0.97509766,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4390157461166382},{"word":"money","start":956.09503,"end":956.495,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4672081470489502},{"word":"stays","start":956.495,"end":956.815,"confidence":1.0,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.4353766441345215},{"word":"in","start":956.815,"end":956.895,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48783209919929504},{"word":"your","start":956.895,"end":957.135,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4673404693603515},{"word":"super","start":957.135,"end":957.375,"confidence":0.3803711,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5436743497848511},{"word":"in","start":957.455,"end":957.615,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.477501928806305},{"word":"your","start":957.615,"end":957.775,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.41846829652786255},{"word":"portfolio","start":957.775,"end":958.275,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.33686572313308716},{"word":"growing","start":958.575,"end":958.895,"confidence":0.81347656,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.453632652759552},{"word":"towards","start":958.895,"end":959.295,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.35169631242752075},{"word":"your","start":959.295,"end":959.53503,"confidence":0.9838867,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3465023636817932},{"word":"retirement","start":959.53503,"end":960.015,"confidence":0.9848633,"punctuated_word":"retirement,","sentiment":"positive","sentiment_score":0.4106205701828003},{"word":"which","start":960.015,"end":960.175,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.45034950971603394},{"word":"is","start":960.175,"end":960.335,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4414895176887512},{"word":"a","start":960.335,"end":960.6,"confidence":0.9506836,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48689723014831543},{"word":"a","start":960.68,"end":960.92,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4840100407600403},{"word":"great","start":960.92,"end":961.24,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5421394109725952},{"word":"advantage","start":961.24,"end":961.74,"confidence":1.0,"punctuated_word":"advantage","sentiment":"positive","sentiment_score":0.4694565832614898},{"word":"to","start":961.88,"end":962.12,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4969900250434875},{"word":"the","start":962.12,"end":962.27997,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5143412351608276},{"word":"changes","start":962.27997,"end":962.77997,"confidence":0.98168945,"punctuated_word":"changes.","sentiment":"positive","sentiment_score":0.44506123661994934},{"word":"the","start":963.56,"end":963.8,"confidence":0.6748047,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.17392617464065552},{"word":"ongoing","start":963.8,"end":964.27997,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.21873754262924192},{"word":"service","start":964.27997,"end":964.68,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1881287693977356},{"word":"fee","start":964.68,"end":965.18,"confidence":0.96728516,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.2046213150024414},{"word":"that","start":965.39996,"end":965.63995,"confidence":0.9741211,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17324437201023102},{"word":"does","start":965.63995,"end":966.04,"confidence":0.98535156,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12461014091968536},{"word":"encounter","start":966.04,"end":966.51996,"confidence":0.9951172,"punctuated_word":"encounter","sentiment":"neutral","sentiment_score":0.09250220656394958},{"word":"a","start":966.51996,"end":966.6,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12759371101856232},{"word":"bit","start":966.6,"end":966.76,"confidence":0.96777344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1204921081662178},{"word":"of","start":966.76,"end":966.92,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1325984001159668},{"word":"growth","start":966.92,"end":967.24,"confidence":0.98828125,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.21440042555332184},{"word":"there","start":967.24,"end":967.39996,"confidence":0.7199707,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1586306095123291},{"word":"that's","start":967.39996,"end":967.63995,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1953340470790863},{"word":"why","start":967.63995,"end":967.95996,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.18892954289913175},{"word":"you","start":967.95996,"end":968.12,"confidence":0.9760742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24324797093868256},{"word":"see","start":968.12,"end":968.62,"confidence":0.6713867,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2560276985168457},{"word":"it","start":968.83997,"end":969.07996,"confidence":0.67333984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2586800456047058},{"word":"goes","start":969.07996,"end":969.31995,"confidence":0.91503906,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.28324809670448303},{"word":"up","start":969.31995,"end":969.48,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24594153463840485},{"word":"a","start":969.48,"end":969.63995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2318543791770935},{"word":"little","start":969.63995,"end":969.88,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.16798493266105652},{"word":"bit","start":969.88,"end":970.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20774072408676147},{"word":"for","start":970.12,"end":970.36,"confidence":0.4086914,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22559861838817596},{"word":"this","start":970.36,"end":970.6,"confidence":0.8310547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.215106800198555},{"word":"side","start":970.6,"end":970.75995,"confidence":0.9160156,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.19867852330207825},{"word":"of","start":970.75995,"end":970.92,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20129358768463135},{"word":"the","start":970.92,"end":971.0,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1934853345155716},{"word":"projection","start":971.0,"end":971.5,"confidence":0.9941406,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.16793419420719147},{"word":"table","start":971.56,"end":971.95996,"confidence":0.9975586,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.19306538999080655},{"word":"we","start":971.95996,"end":972.45996,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15619370341300964},{"word":"also","start":972.51996,"end":972.92,"confidence":0.54003906,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15205132961273193},{"word":"factor","start":972.92,"end":973.24,"confidence":0.9140625,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.17506849765777588},{"word":"in","start":973.24,"end":973.39996,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1929853558540344},{"word":"the","start":973.39996,"end":973.56,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19902239739894867},{"word":"first","start":973.56,"end":973.8,"confidence":0.9980469,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.15591362118721008},{"word":"year's","start":973.8,"end":974.04,"confidence":0.96118164,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.16403882205486298},{"word":"growth","start":974.04,"end":974.27997,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18802201747894287},{"word":"there","start":974.27997,"end":974.44,"confidence":0.9140625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19357728958129883},{"word":"to","start":974.44,"end":974.6,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2005513608455658},{"word":"show","start":974.6,"end":974.75995,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.17649254202842712},{"word":"you","start":974.75995,"end":974.92,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18297961354255676},{"word":"what","start":974.92,"end":975.07996,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19801223278045657},{"word":"the","start":975.07996,"end":975.24,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16000433266162872},{"word":"estimated","start":975.24,"end":975.74,"confidence":0.98291016,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.1494496762752533},{"word":"would","start":975.8,"end":975.95996,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17823542654514313},{"word":"be","start":975.95996,"end":976.45996,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1769915670156479},{"word":"and","start":976.805,"end":976.96497,"confidence":0.875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16839225590229034},{"word":"then","start":976.96497,"end":977.20496,"confidence":0.9892578,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17568278312683103},{"word":"net","start":977.20496,"end":977.52496,"confidence":0.78564453,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.22676622867584229},{"word":"contributions","start":977.52496,"end":978.02496,"confidence":0.9003906,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.18622708320617676},{"word":"there","start":978.165,"end":978.325,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1822977066040039},{"word":"as","start":978.325,"end":978.485,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18600210547447205},{"word":"well","start":978.485,"end":978.725,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.21761690080165863},{"word":"based","start":978.725,"end":979.045,"confidence":0.9902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.21479643881320953},{"word":"on","start":979.045,"end":979.285,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2203085571527481},{"word":"your","start":979.285,"end":979.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1742585003376007},{"word":"income","start":979.685,"end":980.185,"confidence":0.7993164,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.18556948006153107},{"word":"and","start":980.485,"end":980.565,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23814938962459564},{"word":"you'll","start":980.565,"end":980.805,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.256086528301239},{"word":"see","start":980.805,"end":980.96497,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3129167854785919},{"word":"your","start":980.96497,"end":981.20496,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25177961587905884},{"word":"insurance","start":981.20496,"end":981.685,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.24581286311149597},{"word":"premiums","start":981.685,"end":982.165,"confidence":0.73095703,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.2620795667171478},{"word":"going","start":982.165,"end":982.485,"confidence":0.99902344,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.33335748314857483},{"word":"down","start":982.485,"end":982.64496,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23692040145397184},{"word":"there","start":982.64496,"end":982.96497,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22323107719421387},{"word":"as","start":982.96497,"end":983.125,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2192332893610001},{"word":"well","start":983.125,"end":983.445,"confidence":0.8925781,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19768378138542175},{"word":"so","start":983.445,"end":983.945,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2206123322248459},{"word":"we've","start":984.08496,"end":984.325,"confidence":0.951416,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.21779677271842957},{"word":"made","start":984.325,"end":984.565,"confidence":0.99902344,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.201752245426178},{"word":"that","start":984.565,"end":984.805,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2472817599773407},{"word":"recommendation","start":984.805,"end":985.305,"confidence":0.9941406,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.2026582956314087},{"word":"to","start":985.605,"end":985.765,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05978233739733696},{"word":"reduce","start":985.765,"end":986.165,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.042531758546829224},{"word":"your","start":986.165,"end":986.485,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07203512638807297},{"word":"life","start":986.485,"end":986.725,"confidence":0.9902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.14053502678871155},{"word":"down","start":986.725,"end":986.96497,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07971493899822235},{"word":"to","start":986.96497,"end":987.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05534157156944275},{"word":"that","start":987.125,"end":987.285,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.041683800518512726},{"word":"300,000","start":987.285,"end":988.325,"confidence":0.9781087,"punctuated_word":"300,000,","sentiment":"neutral","sentiment_score":-0.0448191910982132},{"word":"cancel","start":988.325,"end":988.725,"confidence":0.99609375,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.0663842186331749},{"word":"your","start":988.725,"end":988.96497,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0825572982430458},{"word":"tbd","start":988.96497,"end":989.46497,"confidence":0.95581055,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.11675574630498886},{"word":"which","start":989.605,"end":989.925,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.16638320684432983},{"word":"reduces","start":989.925,"end":990.425,"confidence":0.9941406,"punctuated_word":"reduces","sentiment":"neutral","sentiment_score":0.15922477841377258},{"word":"your","start":990.485,"end":990.64496,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22284658253192904},{"word":"overall","start":990.64496,"end":991.045,"confidence":1.0,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.08430949598550797},{"word":"insurance","start":991.045,"end":991.545,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06945309787988663},{"word":"premiums","start":991.605,"end":992.105,"confidence":0.6538086,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.17283466458320618},{"word":"and","start":992.52,"end":992.68005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2451921105384827},{"word":"keeps","start":992.68005,"end":993.08,"confidence":0.9658203,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":0.27563416957855225},{"word":"a","start":993.08,"end":993.16003,"confidence":0.6123047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31533005833625793},{"word":"bit","start":993.16003,"end":993.4,"confidence":0.83251953,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2501751184463501},{"word":"of","start":993.4,"end":993.48004,"confidence":0.8183594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28574851155281067},{"word":"extra","start":993.48004,"end":993.80005,"confidence":0.99902344,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.278235524892807},{"word":"money","start":993.80005,"end":994.12006,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3359503746032715},{"word":"sitting","start":994.12006,"end":994.36005,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"positive","sentiment_score":0.35293787717819214},{"word":"in","start":994.36005,"end":994.52,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.351958304643631},{"word":"that","start":994.52,"end":994.84,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3107377290725708},{"word":"super","start":994.84,"end":995.16003,"confidence":0.80615234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.27399829030036926},{"word":"fund","start":995.16003,"end":995.4,"confidence":0.94970703,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.3062676787376404},{"word":"for","start":995.4,"end":995.64,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2740948796272278},{"word":"you","start":995.64,"end":995.96,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2576942443847656},{"word":"compounding","start":995.96,"end":996.46,"confidence":0.9904785,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.31492409110069275},{"word":"forward","start":996.60004,"end":997.10004,"confidence":0.98657227,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.23458489775657657},{"word":"okay","start":997.16003,"end":997.66003,"confidence":0.95703125,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1509484499692917},{"word":"excellent","start":998.84,"end":999.34,"confidence":0.9946289,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6410079002380371},{"word":"we","start":1000.28,"end":1000.60004,"confidence":0.78125,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.49651214480400085},{"word":"as","start":1001.56006,"end":1001.72003,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48409971594810486},{"word":"we","start":1001.72003,"end":1001.96,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.43999096751213074},{"word":"noted","start":1001.96,"end":1002.28,"confidence":0.8935547,"punctuated_word":"noted,","sentiment":"positive","sentiment_score":0.4145951271057129},{"word":"we","start":1002.28,"end":1002.44,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4340457022190094},{"word":"are","start":1002.44,"end":1002.60004,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29097259044647217},{"word":"looking","start":1002.60004,"end":1002.84,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.26665621995925903},{"word":"to","start":1002.84,"end":1003.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2540130317211151},{"word":"reduce","start":1003.0,"end":1003.32,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.16733908653259277},{"word":"that","start":1003.32,"end":1003.56006,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16953188180923462},{"word":"risk","start":1003.56006,"end":1003.80005,"confidence":0.984375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08073823153972626},{"word":"level","start":1003.80005,"end":1004.04004,"confidence":0.9921875,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.054670944809913635},{"word":"a","start":1004.04004,"end":1004.12006,"confidence":0.9091797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28758907318115234},{"word":"bit","start":1004.12006,"end":1004.36005,"confidence":0.90527344,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.21294938027858737},{"word":"so","start":1004.36005,"end":1004.52,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3194164037704468},{"word":"moving","start":1004.52,"end":1004.76,"confidence":0.99121094,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.3636425733566284},{"word":"into","start":1004.76,"end":1005.0,"confidence":0.83251953,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3820644617080689},{"word":"the","start":1005.0,"end":1005.16003,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3893056809902191},{"word":"balanced","start":1005.16003,"end":1005.56006,"confidence":0.8496094,"punctuated_word":"balanced","sentiment":"positive","sentiment_score":0.358291357755661},{"word":"growth","start":1005.56006,"end":1005.88,"confidence":0.9819336,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4419865310192108},{"word":"environment","start":1005.88,"end":1006.38,"confidence":1.0,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.45499226450920105},{"word":"there","start":1006.44,"end":1006.875,"confidence":0.83691406,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.3212752342224121},{"word":"and","start":1006.955,"end":1007.115,"confidence":0.9819336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4079313576221466},{"word":"this","start":1007.115,"end":1007.355,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.6260032057762146},{"word":"portfolio","start":1007.355,"end":1007.855,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.49463632702827454},{"word":"over","start":1008.075,"end":1008.395,"confidence":0.84765625,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5767711997032166},{"word":"the","start":1008.395,"end":1008.555,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5963006615638733},{"word":"past","start":1008.555,"end":1008.715,"confidence":1.0,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.5546423196792603},{"word":"three","start":1008.715,"end":1009.035,"confidence":0.9863281,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.5310319066047668},{"word":"years","start":1009.035,"end":1009.355,"confidence":0.99902344,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.5683596730232239},{"word":"has","start":1009.355,"end":1009.515,"confidence":0.9873047,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.566742479801178},{"word":"actually","start":1009.515,"end":1009.835,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5674558877944946},{"word":"seen","start":1009.835,"end":1010.335,"confidence":1.0,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.6151949763298035},{"word":"a","start":1010.555,"end":1010.795,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6100219488143921},{"word":"greater","start":1010.795,"end":1011.275,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4845893979072571},{"word":"return","start":1011.275,"end":1011.775,"confidence":0.9909668,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.5931951403617859},{"word":"a","start":1011.835,"end":1012.075,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5815513134002686},{"word":"greater","start":1012.075,"end":1012.395,"confidence":1.0,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4942363202571869},{"word":"level","start":1012.395,"end":1012.715,"confidence":1.0,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.5480453968048096},{"word":"of","start":1012.715,"end":1012.875,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5425629615783691},{"word":"growth","start":1012.875,"end":1013.375,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6124119758605957},{"word":"than","start":1013.915,"end":1014.235,"confidence":0.8330078,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4417850375175476},{"word":"the","start":1014.235,"end":1014.475,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5012992024421692},{"word":"current","start":1014.475,"end":1014.795,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.2676500678062439},{"word":"portfolio","start":1014.795,"end":1015.295,"confidence":0.9057617,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.3239220082759857},{"word":"so","start":1015.435,"end":1015.835,"confidence":0.99365234,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.34008705615997314},{"word":"you","start":1015.835,"end":1016.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28508222103118896},{"word":"know","start":1016.075,"end":1016.315,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.366443395614624},{"word":"projecting","start":1016.315,"end":1016.795,"confidence":0.9921875,"punctuated_word":"projecting","sentiment":"positive","sentiment_score":0.48995906114578247},{"word":"that","start":1016.795,"end":1016.955,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4880129396915436},{"word":"forward","start":1016.955,"end":1017.275,"confidence":0.97509766,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.4924148917198181},{"word":"on","start":1017.275,"end":1017.435,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4864856004714966},{"word":"the","start":1017.435,"end":1017.515,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44353777170181274},{"word":"next","start":1017.515,"end":1017.755,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.40329283475875854},{"word":"page","start":1017.755,"end":1018.075,"confidence":0.9760742,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.3949574828147888},{"word":"there","start":1018.075,"end":1018.395,"confidence":0.6784668,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3771994411945343},{"word":"if","start":1018.395,"end":1018.555,"confidence":0.99609375,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4787968099117279},{"word":"this","start":1018.555,"end":1018.795,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5243611335754395},{"word":"portfolio","start":1018.795,"end":1019.295,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.39635005593299866},{"word":"could","start":1019.435,"end":1019.595,"confidence":0.9970703,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4790831506252289},{"word":"retain","start":1019.595,"end":1020.075,"confidence":0.9980469,"punctuated_word":"retain","sentiment":"positive","sentiment_score":0.47696879506111145},{"word":"that","start":1020.075,"end":1020.235,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5000775456428528},{"word":"kinda","start":1020.235,"end":1020.635,"confidence":0.50146484,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.4242631793022156},{"word":"growth","start":1020.635,"end":1021.035,"confidence":0.98291016,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5406427979469299},{"word":"over","start":1021.035,"end":1021.355,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4906557202339173},{"word":"the","start":1021.355,"end":1021.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4450344741344452},{"word":"next","start":1021.435,"end":1021.835,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.37094616889953613},{"word":"sort","start":1021.835,"end":1021.995,"confidence":0.93603516,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3354038894176483},{"word":"of","start":1021.995,"end":1022.4,"confidence":0.9838867,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3766716420650482},{"word":"three","start":1022.88,"end":1023.12,"confidence":0.8305664,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.3223515748977661},{"word":"to","start":1023.12,"end":1023.28,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32030192017555237},{"word":"five","start":1023.28,"end":1023.60004,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.30421990156173706},{"word":"years","start":1023.60004,"end":1023.92004,"confidence":0.8730469,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.3843828737735748},{"word":"you","start":1023.92004,"end":1024.0801,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44802793860435486},{"word":"can","start":1024.0801,"end":1024.3201,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3794647753238678},{"word":"sort","start":1024.3201,"end":1024.48,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.33998608589172363},{"word":"of","start":1024.48,"end":1024.64,"confidence":0.92578125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3548050820827484},{"word":"see","start":1024.64,"end":1024.88,"confidence":0.9970703,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4017612934112549},{"word":"where","start":1024.88,"end":1025.04,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.31970593333244324},{"word":"that","start":1025.04,"end":1025.28,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40846821665763855},{"word":"could","start":1025.28,"end":1025.52,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3735547363758087},{"word":"end","start":1025.52,"end":1025.68,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.4102311432361603},{"word":"up","start":1025.68,"end":1025.92,"confidence":0.8215332,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.39866358041763306},{"word":"and","start":1025.92,"end":1026.0801,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.44981497526168823},{"word":"it","start":1026.0801,"end":1026.16,"confidence":0.9892578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5401842594146729},{"word":"can","start":1026.16,"end":1026.4,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5354332327842712},{"word":"put","start":1026.4,"end":1026.56,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.582045316696167},{"word":"you","start":1026.56,"end":1026.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5720692873001099},{"word":"in","start":1026.72,"end":1026.88,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.640445351600647},{"word":"a","start":1026.88,"end":1026.9601,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.557345986366272},{"word":"much","start":1026.9601,"end":1027.2001,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5021792054176331},{"word":"greater","start":1027.2001,"end":1027.52,"confidence":0.9980469,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.3769160211086273},{"word":"position","start":1027.52,"end":1028.0,"confidence":1.0,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.5035674571990967},{"word":"moving","start":1028.0,"end":1028.3201,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.4672845005989074},{"word":"forward","start":1028.3201,"end":1028.64,"confidence":0.9970703,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.565474808216095},{"word":"there","start":1028.64,"end":1029.14,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4231888353824615},{"word":"okay","start":1029.2001,"end":1029.7001,"confidence":0.97216797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21526236832141876},{"word":"perfect","start":1031.92,"end":1032.42,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5092576146125793},{"word":"perfect","start":1032.8,"end":1033.3,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5024016499519348},{"word":"that's","start":1034.56,"end":1034.72,"confidence":0.95458984,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.33097246289253235},{"word":"the","start":1034.72,"end":1034.955,"confidence":0.7626953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2754470705986023},{"word":"sense","start":1035.0349,"end":1035.115,"confidence":0.79248047,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.194785013794899},{"word":"of","start":1035.115,"end":1035.355,"confidence":0.96777344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2175883650779724},{"word":"the","start":1035.355,"end":1035.4349,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21207469701766968},{"word":"projection","start":1035.4349,"end":1035.9149,"confidence":0.97314453,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.227711483836174},{"word":"side","start":1035.9149,"end":1036.075,"confidence":0.9980469,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.19896364212036133},{"word":"of","start":1036.075,"end":1036.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1883372068405151},{"word":"things","start":1036.235,"end":1036.475,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2453981041908264},{"word":"there","start":1036.475,"end":1036.875,"confidence":0.98706055,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.19527754187583923},{"word":"if","start":1036.875,"end":1037.115,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16768766939640045},{"word":"you","start":1037.115,"end":1037.2749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15181587636470795},{"word":"go","start":1037.2749,"end":1037.515,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13554728031158447},{"word":"down","start":1037.515,"end":1037.835,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12515659630298617},{"word":"to","start":1037.835,"end":1037.995,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14070867002010343},{"word":"the","start":1037.995,"end":1038.495,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13342031836509705},{"word":"next","start":1038.5549,"end":1038.955,"confidence":0.9140625,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.141882061958313},{"word":"page","start":1038.955,"end":1039.2749,"confidence":0.9916992,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.11097849905490877},{"word":"page","start":1039.2749,"end":1039.515,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1078498438000679},{"word":"number","start":1039.515,"end":1039.755,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.11638928204774857},{"word":"24","start":1039.755,"end":1040.235,"confidence":0.99902344,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.09071531146764757},{"word":"we've","start":1040.235,"end":1040.475,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12202149629592896},{"word":"got","start":1040.475,"end":1040.635,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14378127455711365},{"word":"the","start":1040.635,"end":1040.7949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12848639488220215},{"word":"retirement","start":1040.7949,"end":1041.2949,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.0838572233915329},{"word":"income","start":1041.355,"end":1041.835,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12263157963752748},{"word":"calculated","start":1041.835,"end":1042.335,"confidence":0.7578125,"punctuated_word":"calculated","sentiment":"neutral","sentiment_score":0.1277991533279419},{"word":"there","start":1042.3949,"end":1042.715,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11631588637828828},{"word":"so","start":1042.715,"end":1043.195,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.167179137468338},{"word":"by","start":1043.195,"end":1043.4349,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1558801531791687},{"word":"looking","start":1043.4349,"end":1043.755,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1542177051305771},{"word":"at","start":1043.755,"end":1043.835,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15881375968456268},{"word":"the","start":1043.835,"end":1044.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18471400439739227},{"word":"changes","start":1044.075,"end":1044.3949,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.18072347342967987},{"word":"that","start":1044.3949,"end":1044.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19426444172859192},{"word":"we","start":1044.635,"end":1044.7949,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1940402388572693},{"word":"are","start":1044.7949,"end":1044.955,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.209283784031868},{"word":"making","start":1044.955,"end":1045.2749,"confidence":0.97631836,"punctuated_word":"making,","sentiment":"neutral","sentiment_score":0.23649273812770844},{"word":"we're","start":1045.2749,"end":1045.515,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.23783890902996063},{"word":"sort","start":1045.515,"end":1045.6749,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21997199952602384},{"word":"of","start":1045.6749,"end":1045.835,"confidence":0.95166016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24882987141609192},{"word":"projecting","start":1045.835,"end":1046.315,"confidence":0.99609375,"punctuated_word":"projecting","sentiment":"neutral","sentiment_score":0.22747567296028137},{"word":"forward","start":1046.315,"end":1046.5549,"confidence":0.9526367,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.2829197645187378},{"word":"to","start":1046.5549,"end":1046.7949,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31038573384284973},{"word":"retirement","start":1046.7949,"end":1047.2949,"confidence":0.9926758,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.2171939313411713},{"word":"we","start":1048.0499,"end":1048.21,"confidence":0.9838867,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1799415796995163},{"word":"are","start":1048.21,"end":1048.5299,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2150130718946457},{"word":"basically","start":1048.5299,"end":1049.0099,"confidence":0.94970703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2138986438512802},{"word":"assuming","start":1049.0099,"end":1049.4099,"confidence":0.99902344,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.22757798433303833},{"word":"that","start":1049.4099,"end":1049.57,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2308134287595749},{"word":"you","start":1049.57,"end":1049.6499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2059502154588699},{"word":"guys","start":1049.6499,"end":1049.97,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.19388386607170105},{"word":"are","start":1049.97,"end":1050.0499,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18465355038642883},{"word":"gonna","start":1050.0499,"end":1050.2899,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2171725630760193},{"word":"be","start":1050.2899,"end":1050.5299,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19163845479488373},{"word":"also","start":1050.5299,"end":1050.7699,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14230990409851074},{"word":"eligible","start":1050.7699,"end":1051.25,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.18641726672649384},{"word":"for","start":1051.25,"end":1051.49,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18487171828746796},{"word":"part","start":1051.49,"end":1051.73,"confidence":0.65625,"punctuated_word":"Part","sentiment":"neutral","sentiment_score":0.14699958264827728},{"word":"h","start":1051.73,"end":1051.8899,"confidence":0.57714844,"punctuated_word":"h","sentiment":"neutral","sentiment_score":0.19372719526290896},{"word":"pension","start":1051.8899,"end":1052.37,"confidence":0.9980469,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.15594637393951416},{"word":"down","start":1052.37,"end":1052.5299,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16664496064186096},{"word":"the","start":1052.5299,"end":1052.69,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19676463305950165},{"word":"track","start":1052.69,"end":1052.85,"confidence":0.9970703,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.15704986453056335},{"word":"there","start":1052.85,"end":1053.09,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20036835968494415},{"word":"as","start":1053.09,"end":1053.1699,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.216313898563385},{"word":"well","start":1053.1699,"end":1053.4099,"confidence":0.9555664,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18914251029491425},{"word":"so","start":1053.4099,"end":1053.57,"confidence":0.66308594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16620948910713196},{"word":"this","start":1053.57,"end":1053.6499,"confidence":0.7324219,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14076043665409088},{"word":"sort","start":1053.6499,"end":1053.8099,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1569395661354065},{"word":"of","start":1053.8099,"end":1054.0499,"confidence":0.7597656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12851588428020477},{"word":"shows","start":1054.0499,"end":1054.2899,"confidence":0.9941406,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.1013289988040924},{"word":"that","start":1054.2899,"end":1054.7699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1351601481437683},{"word":"with","start":1054.7699,"end":1054.9299,"confidence":0.96777344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11590176075696944},{"word":"your","start":1054.9299,"end":1055.25,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15133684873580933},{"word":"super","start":1055.25,"end":1055.49,"confidence":0.9536133,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14778824150562286},{"word":"balance","start":1055.49,"end":1055.99,"confidence":0.93847656,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1279233992099762},{"word":"retiring","start":1056.0499,"end":1056.5299,"confidence":0.5566406,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":0.13617588579654694},{"word":"at","start":1056.5299,"end":1056.69,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11297717690467834},{"word":"the","start":1056.69,"end":1056.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.151230126619339},{"word":"age","start":1056.85,"end":1057.0099,"confidence":0.9970703,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11534319818019868},{"word":"that","start":1057.0099,"end":1057.1699,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1522878110408783},{"word":"you","start":1057.1699,"end":1057.4099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16781584918498993},{"word":"want","start":1057.4099,"end":1057.6499,"confidence":0.9941406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.15126007795333862},{"word":"to","start":1057.6499,"end":1058.1499,"confidence":0.68273926,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.13809528946876526},{"word":"and","start":1058.69,"end":1059.0099,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1275225430727005},{"word":"i","start":1059.0099,"end":1059.09,"confidence":0.7817383,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13574007153511047},{"word":"when","start":1059.33,"end":1059.49,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1420040875673294},{"word":"we","start":1059.49,"end":1059.6499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13501054048538208},{"word":"get","start":1059.6499,"end":1059.8099,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11964528262615204},{"word":"to","start":1059.8099,"end":1059.97,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1298999786376953},{"word":"that","start":1059.97,"end":1060.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12211368978023528},{"word":"point","start":1060.13,"end":1060.37,"confidence":0.9995117,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.12659946084022522},{"word":"i'll","start":1060.37,"end":1060.5299,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12910959124565125},{"word":"look","start":1060.5299,"end":1060.69,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11223595589399338},{"word":"at","start":1060.69,"end":1060.85,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09458495676517488},{"word":"what's","start":1060.85,"end":1061.09,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.08957475423812866},{"word":"happening","start":1061.09,"end":1061.49,"confidence":0.99902344,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.10128715634346008},{"word":"with","start":1061.49,"end":1061.6499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07556398957967758},{"word":"both","start":1061.6499,"end":1061.8099,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.11754406988620758},{"word":"of","start":1061.8099,"end":1061.97,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1036192774772644},{"word":"your","start":1061.97,"end":1062.13,"confidence":0.9326172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1282429397106171},{"word":"supers","start":1062.13,"end":1062.45,"confidence":0.86816406,"punctuated_word":"supers,","sentiment":"neutral","sentiment_score":0.12157422304153442},{"word":"and","start":1062.45,"end":1062.61,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1396830826997757},{"word":"we'll","start":1062.61,"end":1062.7699,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.16965119540691376},{"word":"do","start":1062.7699,"end":1063.0099,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19699767231941223},{"word":"a","start":1063.0099,"end":1063.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1715017557144165},{"word":"joint","start":1063.09,"end":1063.395,"confidence":0.9980469,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.17637112736701965},{"word":"plan","start":1063.395,"end":1063.635,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1676543951034546},{"word":"with","start":1063.635,"end":1063.795,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1687888354063034},{"word":"yourself","start":1063.795,"end":1064.1951,"confidence":0.99316406,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.23542341589927673},{"word":"and","start":1064.1951,"end":1064.435,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1615637242794037},{"word":"carrie","start":1064.435,"end":1064.755,"confidence":0.8198242,"punctuated_word":"Carrie","sentiment":"neutral","sentiment_score":0.15063272416591644},{"word":"and","start":1064.755,"end":1064.995,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15926478803157806},{"word":"look","start":1064.995,"end":1065.235,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1899670511484146},{"word":"at","start":1065.235,"end":1065.3151,"confidence":0.99902344,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.15826919674873352},{"word":"you","start":1065.3151,"end":1065.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12846523523330688},{"word":"know","start":1065.475,"end":1065.975,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13041532039642334},{"word":"how","start":1066.035,"end":1066.1951,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.14370116591453552},{"word":"much","start":1066.1951,"end":1066.435,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13590702414512634},{"word":"pension","start":1066.435,"end":1066.755,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.09879139065742493},{"word":"we","start":1066.755,"end":1066.915,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14569132030010223},{"word":"can","start":1066.915,"end":1066.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1502949744462967},{"word":"get","start":1066.995,"end":1067.235,"confidence":0.99658203,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.1394764930009842},{"word":"how","start":1067.235,"end":1067.475,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17901809513568878},{"word":"we","start":1067.475,"end":1067.635,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1557386815547943},{"word":"shelter","start":1067.635,"end":1068.035,"confidence":0.94189453,"punctuated_word":"shelter,","sentiment":"neutral","sentiment_score":0.14439964294433594},{"word":"how","start":1068.035,"end":1068.1951,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1950480341911316},{"word":"we","start":1068.1951,"end":1068.355,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1729193478822708},{"word":"draw","start":1068.355,"end":1068.675,"confidence":0.9921875,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.1584136188030243},{"word":"down","start":1068.675,"end":1068.915,"confidence":0.9379883,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.15427979826927185},{"word":"and","start":1068.915,"end":1069.155,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2186778336763382},{"word":"how","start":1069.155,"end":1069.395,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.25453048944473267},{"word":"we","start":1069.395,"end":1069.635,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25870805978775024},{"word":"make","start":1069.635,"end":1069.795,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.28275948762893677},{"word":"it","start":1069.795,"end":1069.9551,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25349459052085876},{"word":"work","start":1069.9551,"end":1070.1951,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.24743923544883728},{"word":"for","start":1070.1951,"end":1070.355,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20757395029067993},{"word":"you","start":1070.355,"end":1070.595,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2609001398086548},{"word":"both","start":1070.595,"end":1071.095,"confidence":0.98876953,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.16609367728233335},{"word":"but","start":1071.555,"end":1071.875,"confidence":0.81933594,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07838942110538483},{"word":"realistically","start":1071.875,"end":1072.375,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.10429482161998747},{"word":"we're","start":1072.595,"end":1072.835,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.16546933352947235},{"word":"on","start":1072.835,"end":1073.0751,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20971855521202087},{"word":"track","start":1073.0751,"end":1073.3151,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.2372855544090271},{"word":"to","start":1073.3151,"end":1073.475,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18531951308250427},{"word":"be","start":1073.475,"end":1073.635,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19581885635852816},{"word":"able","start":1073.635,"end":1073.875,"confidence":0.9892578,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.18153071403503415},{"word":"to","start":1073.875,"end":1073.9551,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20950791239738464},{"word":"draw","start":1073.9551,"end":1074.275,"confidence":0.9770508,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.17301565408706665},{"word":"to","start":1074.275,"end":1074.435,"confidence":0.25878906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12528297305107117},{"word":"that","start":1074.435,"end":1074.675,"confidence":0.74853516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10587559640407562},{"word":"$49,005.21","start":1074.675,"end":1076.675,"confidence":0.9975586,"punctuated_word":"$49,005.21","sentiment":"neutral","sentiment_score":0.1148061379790306},{"word":"on","start":1076.675,"end":1076.835,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1439094841480255},{"word":"a","start":1076.835,"end":1076.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.125046968460083},{"word":"yearly","start":1076.915,"end":1077.395,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.12442132830619812},{"word":"basis","start":1077.395,"end":1077.795,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.11809992790222168},{"word":"between","start":1077.795,"end":1078.275,"confidence":0.9892578,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.148189514875412},{"word":"super","start":1078.275,"end":1078.775,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1513337790966034},{"word":"and","start":1079.1,"end":1079.26,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1276724934577942},{"word":"age","start":1079.26,"end":1079.58,"confidence":0.7607422,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11555042862892152},{"word":"pension","start":1079.58,"end":1079.98,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.12142112106084824},{"word":"to","start":1079.98,"end":1080.14,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14668801426887512},{"word":"get","start":1080.14,"end":1080.2999,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1753069907426834},{"word":"your","start":1080.2999,"end":1080.54,"confidence":0.77441406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20864364504814148},{"word":"longevity","start":1080.54,"end":1081.04,"confidence":0.99902344,"punctuated_word":"longevity","sentiment":"neutral","sentiment_score":0.19416746497154236},{"word":"and","start":1081.1,"end":1081.34,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21418796479701996},{"word":"keep","start":1081.34,"end":1081.58,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2291097640991211},{"word":"everything","start":1081.58,"end":1081.98,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.20150434970855713},{"word":"sort","start":1081.98,"end":1082.14,"confidence":0.9428711,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10720622539520264},{"word":"of","start":1082.14,"end":1082.2999,"confidence":0.8618164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14557503163814545},{"word":"working","start":1082.2999,"end":1082.62,"confidence":0.9980469,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2034929990768433},{"word":"till","start":1082.62,"end":1082.86,"confidence":0.74072266,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.19741149246692655},{"word":"about","start":1082.86,"end":1083.1,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1210155189037323},{"word":"the","start":1083.1,"end":1083.26,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12682102620601654},{"word":"age","start":1083.26,"end":1083.58,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.13122084736824036},{"word":"of","start":1083.58,"end":1083.66,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11585529148578644},{"word":"90","start":1083.66,"end":1084.0599,"confidence":0.9970703,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.10494263470172882},{"word":"there","start":1084.0599,"end":1084.2999,"confidence":0.8015137,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0939951315522194},{"word":"and","start":1084.2999,"end":1084.46,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0888245552778244},{"word":"that's","start":1084.46,"end":1084.7,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10838788747787476},{"word":"just","start":1084.7,"end":1084.94,"confidence":0.8496094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1128118634223938},{"word":"factoring","start":1084.94,"end":1085.34,"confidence":0.99316406,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.135085329413414},{"word":"in","start":1085.34,"end":1085.58,"confidence":0.9550781,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13454967737197876},{"word":"your","start":1085.58,"end":1085.9,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15001200139522552},{"word":"super","start":1085.9,"end":1086.4,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16621585190296173},{"word":"and","start":1086.78,"end":1086.94,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.138870507478714},{"word":"the","start":1086.94,"end":1087.1799,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19355224072933197},{"word":"expected","start":1087.1799,"end":1087.66,"confidence":0.9921875,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.18657316267490387},{"word":"pension","start":1087.66,"end":1088.14,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.12853755056858063},{"word":"side","start":1088.14,"end":1088.2999,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1116967350244522},{"word":"of","start":1088.2999,"end":1088.46,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10069510340690611},{"word":"things","start":1088.46,"end":1088.96,"confidence":0.9970703,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.12578390538692474},{"word":"we'll","start":1089.66,"end":1089.98,"confidence":0.8786621,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.10932181775569916},{"word":"keep","start":1089.98,"end":1090.2999,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.12846077978610992},{"word":"checking","start":1090.2999,"end":1090.78,"confidence":0.99902344,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.12310604751110076},{"word":"to","start":1090.78,"end":1090.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07112918794155121},{"word":"see","start":1090.94,"end":1091.1,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0990825966000557},{"word":"how","start":1091.1,"end":1091.26,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08585882186889648},{"word":"things","start":1091.26,"end":1091.58,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13678038120269775},{"word":"are","start":1091.58,"end":1091.74,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1244681179523468},{"word":"going","start":1091.74,"end":1092.0599,"confidence":0.9645996,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.14368093013763428},{"word":"keep","start":1092.0599,"end":1092.38,"confidence":0.98535156,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1434365063905716},{"word":"updating","start":1092.38,"end":1092.78,"confidence":0.99902344,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.11056597530841827},{"word":"the","start":1092.78,"end":1092.94,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14492067694664},{"word":"advice","start":1092.94,"end":1093.44,"confidence":0.91503906,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.13030880689620972},{"word":"and","start":1093.485,"end":1093.645,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12016438692808153},{"word":"keep","start":1093.645,"end":1093.725,"confidence":0.986084,"punctuated_word":"keep,","sentiment":"neutral","sentiment_score":0.12657201290130615},{"word":"you","start":1093.725,"end":1093.965,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08659476041793823},{"word":"know","start":1093.965,"end":1094.045,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10669638216495514},{"word":"changing","start":1094.045,"end":1094.545,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.1610773503780365},{"word":"things","start":1094.6849,"end":1095.1849,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0968627855181694},{"word":"as","start":1095.245,"end":1095.405,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08519481867551804},{"word":"we","start":1095.405,"end":1095.645,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0791897103190422},{"word":"need","start":1095.645,"end":1095.885,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02068135142326355},{"word":"to","start":1095.885,"end":1096.385,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03917638212442398},{"word":"to","start":1096.445,"end":1096.525,"confidence":0.9375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02429226040840149},{"word":"make","start":1096.525,"end":1096.765,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.0032724663615226746},{"word":"sure","start":1096.765,"end":1096.9249,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0023068636655807495},{"word":"everything","start":1096.9249,"end":1097.405,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.03961825370788574},{"word":"continues","start":1097.405,"end":1097.905,"confidence":0.99902344,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.016883239150047302},{"word":"to","start":1097.965,"end":1098.045,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017597831785678864},{"word":"work","start":1098.045,"end":1098.285,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07278639078140259},{"word":"hard","start":1098.285,"end":1098.525,"confidence":1.0,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":0.099526047706604},{"word":"for","start":1098.525,"end":1098.765,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08982235938310623},{"word":"you","start":1098.765,"end":1099.265,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06734266877174377},{"word":"okay","start":1099.325,"end":1099.825,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19990618526935575},{"word":"yeah","start":1100.845,"end":1101.345,"confidence":0.8808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24902018904685977},{"word":"beautiful","start":1101.405,"end":1101.8049,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.08197420090436935},{"word":"it's","start":1101.8049,"end":1101.965,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7395980358123779},{"word":"kinda","start":1101.965,"end":1102.205,"confidence":0.9892578,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.7995376586914062},{"word":"nice","start":1102.205,"end":1102.525,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7873125672340393},{"word":"to","start":1102.525,"end":1102.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.814923882484436},{"word":"see","start":1102.605,"end":1102.845,"confidence":1.0,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.8090313673019409},{"word":"where","start":1102.845,"end":1103.005,"confidence":0.99902344,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.7835148572921753},{"word":"we're","start":1103.005,"end":1103.245,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.7976397275924683},{"word":"tracking","start":1103.245,"end":1103.645,"confidence":1.0,"punctuated_word":"tracking","sentiment":"positive","sentiment_score":0.7446496486663818},{"word":"for","start":1103.645,"end":1103.885,"confidence":0.9770508,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7193518877029419},{"word":"based","start":1103.885,"end":1104.125,"confidence":0.98535156,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.7249709367752075},{"word":"on","start":1104.125,"end":1104.205,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.8290372490882874},{"word":"the","start":1104.205,"end":1104.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7649540901184082},{"word":"current","start":1104.365,"end":1104.6849,"confidence":1.0,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.7024083137512207},{"word":"projections","start":1104.6849,"end":1105.1849,"confidence":0.9980469,"punctuated_word":"projections","sentiment":"positive","sentiment_score":0.7814227342605591},{"word":"and","start":1105.245,"end":1105.485,"confidence":0.984375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7702310085296631},{"word":"the","start":1105.485,"end":1105.645,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7784063220024109},{"word":"outcomes","start":1105.645,"end":1106.125,"confidence":0.920166,"punctuated_word":"outcomes,","sentiment":"positive","sentiment_score":0.6906081438064575},{"word":"and","start":1106.125,"end":1106.58,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6852750182151794},{"word":"it","start":1106.74,"end":1106.8999,"confidence":0.984375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7476487159729004},{"word":"gives","start":1106.8999,"end":1106.98,"confidence":1.0,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.7051552534103394},{"word":"you","start":1106.98,"end":1107.0599,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8061926364898682},{"word":"a","start":1107.0599,"end":1107.14,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7407299280166626},{"word":"little","start":1107.14,"end":1107.38,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.6904774904251099},{"word":"bit","start":1107.38,"end":1107.5399,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.6881274580955505},{"word":"of","start":1107.5399,"end":1107.62,"confidence":0.94189453,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6866153478622437},{"word":"light","start":1107.62,"end":1107.86,"confidence":0.9760742,"punctuated_word":"light","sentiment":"positive","sentiment_score":0.6462534070014954},{"word":"at","start":1107.86,"end":1107.94,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6933265328407288},{"word":"the","start":1107.94,"end":1108.0199,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7329882979393005},{"word":"end","start":1108.0199,"end":1108.1799,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.6994311213493347},{"word":"of","start":1108.1799,"end":1108.22,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7597870230674744},{"word":"the","start":1108.22,"end":1108.26,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.772861897945404},{"word":"tunnel","start":1108.26,"end":1108.58,"confidence":0.99902344,"punctuated_word":"tunnel","sentiment":"positive","sentiment_score":0.7860009670257568},{"word":"that","start":1108.58,"end":1108.82,"confidence":0.9667969,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7099732160568237},{"word":"everything","start":1108.82,"end":1109.14,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.858867883682251},{"word":"you've","start":1109.14,"end":1109.38,"confidence":0.9946289,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.8117443919181824},{"word":"worked","start":1109.38,"end":1109.62,"confidence":0.9980469,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.8102024793624878},{"word":"so","start":1109.62,"end":1109.7799,"confidence":0.9951172,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.809033215045929},{"word":"hard","start":1109.7799,"end":1110.1,"confidence":1.0,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.8210206627845764},{"word":"for","start":1110.1,"end":1110.4199,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8405023217201233},{"word":"is","start":1110.4199,"end":1110.74,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7369848489761353},{"word":"coming","start":1110.74,"end":1111.0599,"confidence":1.0,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.7092716097831726},{"word":"to","start":1111.0599,"end":1111.22,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7311104536056519},{"word":"fruition","start":1111.22,"end":1111.72,"confidence":0.95458984,"punctuated_word":"fruition.","sentiment":"positive","sentiment_score":0.6458802223205566},{"word":"yep","start":1131.01,"end":1131.51,"confidence":0.73791504,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03651846945285797},{"word":"yep","start":1135.33,"end":1135.83,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004500679671764374},{"word":"yeah","start":1143.505,"end":1144.005,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04743021726608277},{"word":"yeah","start":1145.505,"end":1146.005,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0055971331894397736},{"word":"yeah","start":1152.145,"end":1152.645,"confidence":0.85595703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03877146169543266},{"word":"yeah","start":1160.8,"end":1161.3,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006904358044266701},{"word":"yeah","start":1189.5901,"end":1190.0901,"confidence":0.8015137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07061885297298431},{"word":"yeah","start":1200.485,"end":1200.805,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012536611407995224},{"word":"yeah","start":1200.805,"end":1201.305,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012460451573133469},{"word":"that's","start":1204.02,"end":1204.26,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0251547247171402},{"word":"it","start":1204.26,"end":1204.76,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03629053384065628},{"word":"yeah","start":1205.14,"end":1205.64,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007883694022893906},{"word":"no","start":1208.5,"end":1208.9801,"confidence":0.9946289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27533411979675293},{"word":"no","start":1208.9801,"end":1209.3,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.27280521392822266},{"word":"definitely","start":1209.3,"end":1209.8,"confidence":0.99902344,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":-0.20024871826171875},{"word":"not","start":1210.02,"end":1210.42,"confidence":0.97998047,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.08750593662261963},{"word":"and","start":1210.42,"end":1210.66,"confidence":0.60131836,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.07925988733768463},{"word":"look","start":1210.66,"end":1210.9,"confidence":0.9926758,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.13365215063095093},{"word":"there's","start":1210.9,"end":1211.14,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.22125643491744995},{"word":"still","start":1211.14,"end":1211.38,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21153858304023743},{"word":"plenty","start":1211.38,"end":1211.7001,"confidence":0.99902344,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.2610876262187958},{"word":"of","start":1211.7001,"end":1211.8601,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2312430590391159},{"word":"time","start":1211.8601,"end":1212.1001,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.28018873929977417},{"word":"to","start":1212.1001,"end":1212.3401,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2959590554237366},{"word":"to","start":1212.3401,"end":1212.5,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2909912168979645},{"word":"work","start":1212.5,"end":1212.7401,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.23921966552734375},{"word":"towards","start":1212.7401,"end":1213.14,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3573870360851288},{"word":"it","start":1213.14,"end":1213.38,"confidence":0.8063965,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2329746037721634},{"word":"and","start":1213.38,"end":1213.6201,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16959863901138306},{"word":"even","start":1213.6201,"end":1213.78,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.14833208918571472},{"word":"when","start":1213.78,"end":1213.9401,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11807948350906372},{"word":"you","start":1213.9401,"end":1214.1001,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1861877143383026},{"word":"go","start":1214.1001,"end":1214.26,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14239376783370972},{"word":"into","start":1214.26,"end":1214.5,"confidence":0.9838867,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12792138755321503},{"word":"this","start":1214.5,"end":1214.66,"confidence":0.53515625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1415073275566101},{"word":"retirement","start":1214.66,"end":1215.06,"confidence":0.70996094,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.03642375022172928},{"word":"years","start":1215.06,"end":1215.4601,"confidence":0.6068115,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.0808660238981247},{"word":"your","start":1215.4601,"end":1215.54,"confidence":0.9633789,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11421958357095718},{"word":"money","start":1215.54,"end":1216.005,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.11981713771820068},{"word":"remains","start":1216.245,"end":1216.645,"confidence":0.99902344,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.08627410233020782},{"word":"invested","start":1216.645,"end":1217.125,"confidence":0.9206543,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.034466300159692764},{"word":"we","start":1217.125,"end":1217.285,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07658053934574127},{"word":"look","start":1217.285,"end":1217.445,"confidence":0.9428711,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08555085957050323},{"word":"to","start":1217.445,"end":1217.605,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14895105361938477},{"word":"draw","start":1217.605,"end":1217.765,"confidence":0.9790039,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.08758652210235596},{"word":"down","start":1217.765,"end":1218.005,"confidence":0.9658203,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08110825717449188},{"word":"a","start":1218.005,"end":1218.085,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08717638999223709},{"word":"pension","start":1218.085,"end":1218.405,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.008582651615142822},{"word":"and","start":1218.405,"end":1218.5651,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0244433730840683},{"word":"keep","start":1218.5651,"end":1218.805,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11175014078617096},{"word":"everything","start":1218.805,"end":1219.205,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.10178616642951964},{"word":"sort","start":1219.205,"end":1219.365,"confidence":0.4387207,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0048597753047943115},{"word":"of","start":1219.365,"end":1219.525,"confidence":0.82470703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0720142275094986},{"word":"still","start":1219.525,"end":1219.765,"confidence":0.9863281,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0931052267551422},{"word":"working","start":1219.765,"end":1220.165,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.13322536647319794},{"word":"harder","start":1220.165,"end":1220.5651,"confidence":0.9980469,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.10845920443534852},{"word":"for","start":1220.5651,"end":1220.805,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1485966593027115},{"word":"you","start":1220.805,"end":1221.125,"confidence":0.9538574,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10480069369077682},{"word":"so","start":1221.125,"end":1221.625,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14193277060985565},{"word":"it's","start":1222.085,"end":1222.245,"confidence":0.9145508,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24546918272972107},{"word":"just","start":1222.245,"end":1222.485,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23033203184604645},{"word":"about","start":1222.485,"end":1222.645,"confidence":0.99316406,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.2148798555135727},{"word":"you","start":1222.645,"end":1222.805,"confidence":0.9633789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20491653680801392},{"word":"know","start":1222.805,"end":1222.965,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.25364136695861816},{"word":"creating","start":1222.965,"end":1223.365,"confidence":0.99902344,"punctuated_word":"creating","sentiment":"positive","sentiment_score":0.372046023607254},{"word":"that","start":1223.365,"end":1223.525,"confidence":0.9838867,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40220770239830017},{"word":"longevity","start":1223.525,"end":1224.025,"confidence":0.9980469,"punctuated_word":"longevity","sentiment":"positive","sentiment_score":0.3980693221092224},{"word":"and","start":1224.165,"end":1224.405,"confidence":0.98535156,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.39469659328460693},{"word":"continuously","start":1224.405,"end":1224.905,"confidence":0.9980469,"punctuated_word":"continuously","sentiment":"positive","sentiment_score":0.41597163677215576},{"word":"altering","start":1225.125,"end":1225.445,"confidence":1.0,"punctuated_word":"altering","sentiment":"positive","sentiment_score":0.5010194778442383},{"word":"and","start":1225.445,"end":1225.685,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4189767837524414},{"word":"changing","start":1225.685,"end":1226.085,"confidence":0.87646484,"punctuated_word":"changing.","sentiment":"positive","sentiment_score":0.3954534828662872},{"word":"and","start":1226.085,"end":1226.165,"confidence":0.89453125,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1863759160041809},{"word":"i","start":1226.165,"end":1226.325,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1615060567855835},{"word":"mean","start":1226.325,"end":1226.645,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.1938604861497879},{"word":"with","start":1226.645,"end":1226.805,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20755815505981445},{"word":"your","start":1226.805,"end":1227.125,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19940873980522156},{"word":"income","start":1227.125,"end":1227.525,"confidence":0.99194336,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.12936654686927795},{"word":"you've","start":1227.525,"end":1227.845,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1261528730392456},{"word":"been","start":1227.845,"end":1228.345,"confidence":0.99609375,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.10697229206562042},{"word":"you","start":1228.4299,"end":1228.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08363552391529083},{"word":"know","start":1228.59,"end":1228.75,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08181142807006836},{"word":"up","start":1228.75,"end":1228.83,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11470868438482285},{"word":"and","start":1228.83,"end":1229.07,"confidence":0.8852539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03734992444515228},{"word":"down","start":1229.07,"end":1229.39,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08104074001312256},{"word":"a","start":1229.39,"end":1229.47,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05264952406287193},{"word":"little","start":1229.47,"end":1229.71,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02824203670024872},{"word":"bit","start":1229.71,"end":1229.87,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.011785410344600676},{"word":"with","start":1229.87,"end":1230.03,"confidence":0.9873047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.014712028205394743},{"word":"income","start":1230.03,"end":1230.4299,"confidence":0.93847656,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02368692308664322},{"word":"wise","start":1230.4299,"end":1230.6699,"confidence":0.86279297,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.05221860855817795},{"word":"over","start":1230.6699,"end":1230.91,"confidence":0.8964844,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1259724497795105},{"word":"the","start":1230.91,"end":1230.99,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09054688364267348},{"word":"last","start":1230.99,"end":1231.23,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08869990706443787},{"word":"year","start":1231.23,"end":1231.47,"confidence":0.9316406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.09714017808437347},{"word":"with","start":1231.47,"end":1231.5499,"confidence":0.8540039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14402428269386292},{"word":"everything","start":1231.5499,"end":1231.95,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.16158241033554077},{"word":"you've","start":1231.95,"end":1232.19,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15132184326648712},{"word":"got","start":1232.19,"end":1232.35,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1506013572216034},{"word":"going","start":1232.35,"end":1232.6699,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.18717586994171145},{"word":"on","start":1232.6699,"end":1233.1699,"confidence":0.97143555,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10655577480793},{"word":"you're","start":1233.23,"end":1233.47,"confidence":0.8522949,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10241901129484177},{"word":"going","start":1233.47,"end":1233.7899,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11489523202180862},{"word":"back","start":1233.7899,"end":1233.95,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13846662640571594},{"word":"into","start":1233.95,"end":1234.11,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07704553753137589},{"word":"that","start":1234.11,"end":1234.35,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11477676779031754},{"word":"full","start":1234.35,"end":1234.51,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.15027588605880737},{"word":"time","start":1234.51,"end":1234.75,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11022786796092988},{"word":"work","start":1234.75,"end":1234.99,"confidence":0.7050781,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.07146348059177399},{"word":"but","start":1234.99,"end":1235.15,"confidence":0.99121094,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.179500550031662},{"word":"if","start":1235.15,"end":1235.23,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23274123668670657},{"word":"you","start":1235.23,"end":1235.39,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20524142682552335},{"word":"get","start":1235.39,"end":1235.63,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2067633867263794},{"word":"changes","start":1235.63,"end":1236.03,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.13696163892745972},{"word":"to","start":1236.03,"end":1236.11,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2025792896747589},{"word":"your","start":1236.11,"end":1236.27,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16730381548404694},{"word":"income","start":1236.27,"end":1236.59,"confidence":0.99853516,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.1181412637233734},{"word":"we","start":1236.59,"end":1236.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1739111840724945},{"word":"can","start":1236.75,"end":1236.91,"confidence":0.9838867,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1914614737033844},{"word":"always","start":1236.91,"end":1237.23,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2023511528968811},{"word":"come","start":1237.23,"end":1237.39,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.21031855046749115},{"word":"back","start":1237.39,"end":1237.5499,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.21139444410800937},{"word":"and","start":1237.5499,"end":1237.71,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12964069843292236},{"word":"refresh","start":1237.71,"end":1238.19,"confidence":1.0,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.12798190116882324},{"word":"pensions","start":1238.19,"end":1238.6699,"confidence":0.970459,"punctuated_word":"pensions,","sentiment":"neutral","sentiment_score":0.14818039536476135},{"word":"refresh","start":1238.6699,"end":1239.07,"confidence":1.0,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.10350891947746275},{"word":"the","start":1239.07,"end":1239.23,"confidence":0.77685547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15117383003234863},{"word":"ttr","start":1239.23,"end":1239.71,"confidence":0.91064453,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.09170186519622804},{"word":"strategy","start":1239.71,"end":1240.21,"confidence":0.9770508,"punctuated_word":"strategy,","sentiment":"neutral","sentiment_score":0.1806902289390564},{"word":"add","start":1240.525,"end":1240.765,"confidence":0.9873047,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.12989568710327148},{"word":"additional","start":1240.765,"end":1241.245,"confidence":0.9770508,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.06417739391326904},{"word":"contributions","start":1241.245,"end":1241.745,"confidence":0.96777344,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.08437968045473099},{"word":"everything","start":1241.965,"end":1242.465,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.10076789557933807},{"word":"in","start":1242.765,"end":1242.925,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11394204944372176},{"word":"the","start":1242.925,"end":1243.085,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10775084793567656},{"word":"advice","start":1243.085,"end":1243.485,"confidence":0.96777344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11895229667425156},{"word":"world","start":1243.485,"end":1243.725,"confidence":0.8222656,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.1126827672123909},{"word":"is","start":1243.725,"end":1243.885,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10078082978725432},{"word":"liquid","start":1243.885,"end":1244.285,"confidence":0.99658203,"punctuated_word":"liquid.","sentiment":"neutral","sentiment_score":0.126478910446167},{"word":"we","start":1244.285,"end":1244.365,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1731811761856079},{"word":"can","start":1244.365,"end":1244.605,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2396339327096939},{"word":"be","start":1244.605,"end":1244.845,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.219716414809227},{"word":"moving","start":1244.845,"end":1245.085,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.20719587802886963},{"word":"things","start":1245.085,"end":1245.325,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.19332565367221832},{"word":"back","start":1245.325,"end":1245.565,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18727833032608032},{"word":"and","start":1245.565,"end":1245.645,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18281517922878265},{"word":"forth","start":1245.645,"end":1245.965,"confidence":1.0,"punctuated_word":"forth","sentiment":"neutral","sentiment_score":0.14192324876785278},{"word":"and","start":1245.965,"end":1246.125,"confidence":0.8510742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2008655816316605},{"word":"altering","start":1246.125,"end":1246.525,"confidence":0.8354492,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.1918642520904541},{"word":"the","start":1246.525,"end":1246.6849,"confidence":0.86865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13766273856163025},{"word":"advice","start":1246.6849,"end":1247.165,"confidence":0.9819336,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1329936683177948},{"word":"as","start":1247.165,"end":1247.325,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18054510653018951},{"word":"we","start":1247.325,"end":1247.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08377984166145325},{"word":"need","start":1247.485,"end":1247.8049,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.11035040020942688},{"word":"to","start":1247.8049,"end":1248.045,"confidence":0.95654297,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.11216789484024048},{"word":"so","start":1248.045,"end":1248.545,"confidence":0.99316406,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.18956159055233},{"word":"you","start":1249.085,"end":1249.245,"confidence":0.5336914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1919628083705902},{"word":"know","start":1249.245,"end":1249.485,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2083087861537933},{"word":"we're","start":1249.485,"end":1249.725,"confidence":0.98950195,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2538437843322754},{"word":"just","start":1249.725,"end":1249.965,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2863095700740814},{"word":"working","start":1249.965,"end":1250.285,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.33282801508903503},{"word":"towards","start":1250.285,"end":1250.765,"confidence":0.99609375,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3525485694408417},{"word":"a","start":1250.765,"end":1250.925,"confidence":0.51904297,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3984464406967163},{"word":"certain","start":1250.925,"end":1251.245,"confidence":0.98535156,"punctuated_word":"certain","sentiment":"positive","sentiment_score":0.34247076511383057},{"word":"goal","start":1251.245,"end":1251.565,"confidence":0.99902344,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.3285517394542694},{"word":"here","start":1251.565,"end":1251.885,"confidence":0.9970703,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3627833127975464},{"word":"to","start":1251.885,"end":1252.045,"confidence":0.8803711,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34033507108688354},{"word":"get","start":1252.045,"end":1252.205,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.33706438541412354},{"word":"as","start":1252.205,"end":1252.365,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31698834896087646},{"word":"much","start":1252.365,"end":1252.605,"confidence":0.9970703,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.40281516313552856},{"word":"into","start":1252.605,"end":1252.845,"confidence":0.6621094,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.42730697989463806},{"word":"super","start":1252.845,"end":1253.165,"confidence":0.91259766,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.47976505756378174},{"word":"as","start":1253.165,"end":1253.43,"confidence":0.9770508,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26974284648895264},{"word":"possible","start":1253.51,"end":1253.8301,"confidence":0.7883301,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.33009999990463257},{"word":"to","start":1253.8301,"end":1253.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4024631679058075},{"word":"get","start":1253.91,"end":1253.9901,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3685778379440307},{"word":"your","start":1253.9901,"end":1254.2301,"confidence":0.5097656,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4299001097679138},{"word":"super","start":1254.2301,"end":1254.4701,"confidence":0.9921875,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4213350713253021},{"word":"to","start":1254.4701,"end":1254.63,"confidence":0.74902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3990212082862854},{"word":"work","start":1254.63,"end":1254.87,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.28237465023994446},{"word":"as","start":1254.87,"end":1254.9501,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3123118579387665},{"word":"hard","start":1254.9501,"end":1255.27,"confidence":0.99609375,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.3982146978378296},{"word":"as","start":1255.27,"end":1255.3501,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22523222863674164},{"word":"possible","start":1255.3501,"end":1255.75,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.2957720160484314},{"word":"with","start":1255.75,"end":1255.9901,"confidence":0.9267578,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.38160279393196106},{"word":"the","start":1255.9901,"end":1256.0701,"confidence":0.9506836,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39858078956604},{"word":"goal","start":1256.0701,"end":1256.39,"confidence":1.0,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.4550681710243225},{"word":"of","start":1256.39,"end":1256.55,"confidence":0.97998047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5306651592254639},{"word":"you","start":1256.55,"end":1256.7101,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5585874319076538},{"word":"enjoying","start":1256.7101,"end":1257.1901,"confidence":0.9980469,"punctuated_word":"enjoying","sentiment":"positive","sentiment_score":0.630928099155426},{"word":"the","start":1257.1901,"end":1257.43,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6139252185821533},{"word":"next","start":1257.43,"end":1257.91,"confidence":0.99560547,"punctuated_word":"next,","sentiment":"positive","sentiment_score":0.4883261024951935},{"word":"you","start":1257.91,"end":1258.0701,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42466074228286743},{"word":"know","start":1258.0701,"end":1258.39,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.5074409246444702},{"word":"twenty","start":1258.39,"end":1258.79,"confidence":0.98999023,"punctuated_word":"twenty,","sentiment":"positive","sentiment_score":0.520017147064209},{"word":"thirty","start":1258.79,"end":1259.1101,"confidence":0.99902344,"punctuated_word":"thirty,","sentiment":"positive","sentiment_score":0.3979367315769195},{"word":"forty","start":1259.1101,"end":1259.51,"confidence":0.9951172,"punctuated_word":"forty","sentiment":"positive","sentiment_score":0.4629118144512177},{"word":"years","start":1259.51,"end":1259.75,"confidence":0.99902344,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.5151110887527466},{"word":"of","start":1259.75,"end":1259.9901,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.588175892829895},{"word":"retirement","start":1259.9901,"end":1260.4901,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.5013238191604614},{"word":"and","start":1260.87,"end":1261.3501,"confidence":0.8618164,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4361644387245178},{"word":"taking","start":1261.3501,"end":1261.75,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.5290654897689819},{"word":"a","start":1261.75,"end":1261.91,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.47603142261505127},{"word":"breather","start":1261.91,"end":1262.31,"confidence":0.9995117,"punctuated_word":"breather","sentiment":"positive","sentiment_score":0.49662911891937256},{"word":"for","start":1262.31,"end":1262.55,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4251922369003296},{"word":"yourself","start":1262.55,"end":1263.05,"confidence":0.97436523,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.396278977394104},{"word":"so","start":1263.27,"end":1263.77,"confidence":0.7770996,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11099226772785188},{"word":"yeah","start":1264.2301,"end":1264.7301,"confidence":0.9909668,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1071586161851883},{"word":"doing","start":1265.03,"end":1265.3501,"confidence":0.9194336,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3612782955169678},{"word":"well","start":1265.3501,"end":1265.8501,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.32064929604530334},{"word":"all","start":1267.8301,"end":1268.2301,"confidence":0.7246094,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.050067394971847534},{"word":"good","start":1268.2301,"end":1268.7301,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.11677981913089752},{"word":"that's","start":1270.0349,"end":1270.4349,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09168969094753264},{"word":"it","start":1270.4349,"end":1270.835,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08995369076728821},{"word":"that's","start":1270.835,"end":1271.1549,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08100913465023041},{"word":"it","start":1271.1549,"end":1271.6549,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0486140102148056},{"word":"if","start":1272.355,"end":1272.595,"confidence":0.80371094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.011001866310834885},{"word":"you","start":1272.595,"end":1272.835,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016300883144140244},{"word":"scroll","start":1272.835,"end":1273.1549,"confidence":0.9951172,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.007086239755153656},{"word":"down","start":1273.1549,"end":1273.3949,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.018064845353364944},{"word":"to","start":1273.3949,"end":1273.5549,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015716329216957092},{"word":"page","start":1273.5549,"end":1273.955,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.01900765486061573},{"word":"25","start":1273.955,"end":1274.595,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.02265871874988079},{"word":"there","start":1274.595,"end":1274.835,"confidence":0.9926758,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.02811913564801216},{"word":"colin","start":1274.835,"end":1275.335,"confidence":0.91967773,"punctuated_word":"Colin,","sentiment":"neutral","sentiment_score":0.0267574992030859},{"word":"you'll","start":1276.115,"end":1276.355,"confidence":0.9926758,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.01718010939657688},{"word":"see","start":1276.355,"end":1276.6749,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.036238037049770355},{"word":"that","start":1276.6749,"end":1276.9149,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.006967213004827499},{"word":"we've","start":1276.9149,"end":1277.075,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.027158543467521667},{"word":"got","start":1277.075,"end":1277.315,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.023165583610534668},{"word":"the","start":1277.315,"end":1277.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04231812432408333},{"word":"insurance","start":1277.475,"end":1277.955,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.039317503571510315},{"word":"side","start":1277.955,"end":1278.115,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.027426984161138535},{"word":"of","start":1278.115,"end":1278.2749,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.016568481922149658},{"word":"things","start":1278.2749,"end":1278.5149,"confidence":0.9814453,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.02713640406727791},{"word":"so","start":1278.5149,"end":1278.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023832660168409348},{"word":"we","start":1278.755,"end":1278.9149,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.033854804933071136},{"word":"did","start":1278.9149,"end":1279.075,"confidence":0.99316406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04210986942052841},{"word":"give","start":1279.075,"end":1279.315,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.044547189027071},{"word":"you","start":1279.315,"end":1279.3949,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05836353451013565},{"word":"all","start":1279.3949,"end":1279.5549,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.060287535190582275},{"word":"those","start":1279.5549,"end":1279.7949,"confidence":0.96533203,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04250156879425049},{"word":"different","start":1279.7949,"end":1280.115,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0030213147401809692},{"word":"quotes","start":1280.115,"end":1280.355,"confidence":0.9951172,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":-0.0035292617976665497},{"word":"that","start":1280.355,"end":1280.595,"confidence":0.3918457,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0334600992500782},{"word":"had","start":1280.595,"end":1280.755,"confidence":0.97509766,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03507951647043228},{"word":"a","start":1280.755,"end":1280.835,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015198638662695885},{"word":"bit","start":1280.835,"end":1280.995,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02080560475587845},{"word":"of","start":1280.995,"end":1281.075,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007675834000110626},{"word":"a","start":1281.075,"end":1281.1549,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006012978032231331},{"word":"chat","start":1281.1549,"end":1281.3949,"confidence":0.9560547,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.0025643371045589447},{"word":"about","start":1281.3949,"end":1281.5549,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.034802697598934174},{"word":"the","start":1281.5549,"end":1281.715,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04379492253065109},{"word":"insurance","start":1281.715,"end":1282.195,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.0450950562953949},{"word":"side","start":1282.195,"end":1282.4349,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.03450711816549301},{"word":"of","start":1282.4349,"end":1282.5149,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.019694417715072632},{"word":"things","start":1282.5149,"end":1282.9149,"confidence":0.986084,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.02959054708480835},{"word":"so","start":1282.9149,"end":1283.28,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018137268722057343},{"word":"at","start":1283.76,"end":1283.88,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06655064225196838},{"word":"the","start":1283.88,"end":1284.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0617624931037426},{"word":"moment","start":1284.0,"end":1284.3201,"confidence":0.98999023,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.03864853456616402},{"word":"you","start":1284.3201,"end":1284.48,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011157646775245668},{"word":"do","start":1284.48,"end":1284.72,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.024882569909095764},{"word":"have","start":1284.72,"end":1284.88,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012317776679992676},{"word":"your","start":1284.88,"end":1285.04,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02515307068824768},{"word":"life","start":1285.04,"end":1285.28,"confidence":0.9707031,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.05263815075159073},{"word":"and","start":1285.28,"end":1285.4401,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05466549098491669},{"word":"tpd","start":1285.4401,"end":1285.9401,"confidence":0.92749023,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.04256824404001236},{"word":"covered","start":1286.0,"end":1286.3201,"confidence":0.6513672,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.013373322784900664},{"word":"there","start":1286.3201,"end":1286.56,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.030443601310253143},{"word":"you","start":1286.56,"end":1286.72,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04566317796707153},{"word":"are","start":1286.72,"end":1286.88,"confidence":0.52197266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08429929614067078},{"word":"happy","start":1286.88,"end":1287.12,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.11921079456806184},{"word":"just","start":1287.12,"end":1287.36,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08288335800170898},{"word":"to","start":1287.36,"end":1287.4401,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17835213243961334},{"word":"cancel","start":1287.4401,"end":1287.8401,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.25834113359451294},{"word":"the","start":1287.8401,"end":1288.0801,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2926340401172638},{"word":"tpd","start":1288.0801,"end":1288.5801,"confidence":0.9980469,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":-0.16820113360881803},{"word":"it","start":1288.64,"end":1288.88,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.24468952417373657},{"word":"is","start":1288.88,"end":1289.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17350704967975616},{"word":"the","start":1289.12,"end":1289.2001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1363704800605774},{"word":"largest","start":1289.2001,"end":1289.7001,"confidence":0.97998047,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":-0.10875702649354936},{"word":"portion","start":1289.76,"end":1290.26,"confidence":0.46289062,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":-0.10819859057664873},{"word":"of","start":1290.3201,"end":1290.48,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07465776801109314},{"word":"the","start":1290.48,"end":1290.64,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08555015176534653},{"word":"cost","start":1290.64,"end":1290.88,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.07513821125030518},{"word":"of","start":1290.88,"end":1291.04,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0902445986866951},{"word":"your","start":1291.04,"end":1291.2001,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11511397361755372},{"word":"cover","start":1291.2001,"end":1291.7001,"confidence":0.9379883,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.07900620996952057},{"word":"and","start":1292.16,"end":1292.3201,"confidence":0.8791504,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.014534611254930496},{"word":"realistically","start":1292.3201,"end":1292.8201,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.02195359580218792},{"word":"if","start":1293.04,"end":1293.2001,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07855324447154999},{"word":"anything","start":1293.2001,"end":1293.6,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06148994714021683},{"word":"did","start":1293.6,"end":1293.92,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03806322067975998},{"word":"happen","start":1293.92,"end":1294.42,"confidence":0.99560547,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.000559687614440918},{"word":"you","start":1294.8,"end":1295.04,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015085414052009584},{"word":"just","start":1295.04,"end":1295.28,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05326168239116669},{"word":"sort","start":1295.28,"end":1295.36,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.021188125014305115},{"word":"of","start":1295.36,"end":1295.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027530498802661896},{"word":"wanted","start":1295.52,"end":1295.8401,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.032404132187366486},{"word":"to","start":1295.8401,"end":1295.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040251679718494415},{"word":"make","start":1295.92,"end":1296.0801,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.021953262388706207},{"word":"sure","start":1296.0801,"end":1296.24,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04864523559808731},{"word":"the","start":1296.24,"end":1296.4,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011922687292099},{"word":"mortgage","start":1296.4,"end":1296.88,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.027982428669929504},{"word":"could","start":1296.88,"end":1297.04,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.02195495367050171},{"word":"be","start":1297.04,"end":1297.2001,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.044645920395851135},{"word":"fully","start":1297.2001,"end":1297.4401,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.1068209707736969},{"word":"paid","start":1297.4401,"end":1297.68,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.010547712445259094},{"word":"off","start":1297.68,"end":1297.8401,"confidence":0.9675293,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.024366632103919983},{"word":"your","start":1297.8401,"end":1298.0801,"confidence":0.9863281,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.1872318983078003},{"word":"super","start":1298.0801,"end":1298.48,"confidence":0.94970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22623726725578308},{"word":"balance","start":1298.48,"end":1298.775,"confidence":0.921875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.14891840517520905},{"word":"does","start":1298.935,"end":1299.175,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.20546546578407288},{"word":"that","start":1299.175,"end":1299.675,"confidence":0.8054199,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14259284734725952},{"word":"and","start":1300.215,"end":1300.4551,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14708580076694489},{"word":"then","start":1300.4551,"end":1300.6951,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1775130033493042},{"word":"does","start":1300.6951,"end":1300.935,"confidence":0.9135742,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12903320789337158},{"word":"also","start":1300.935,"end":1301.3351,"confidence":0.98535156,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08334100991487503},{"word":"provide","start":1301.3351,"end":1301.655,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.1017485111951828},{"word":"additional","start":1301.655,"end":1302.055,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.0693427324295044},{"word":"cover","start":1302.055,"end":1302.375,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04944073408842087},{"word":"and","start":1302.375,"end":1302.535,"confidence":0.5288086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08408139646053314},{"word":"carrier's","start":1302.535,"end":1303.015,"confidence":0.5238037,"punctuated_word":"carrier's","sentiment":"neutral","sentiment_score":0.08589406311511993},{"word":"still","start":1303.015,"end":1303.255,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13772766292095184},{"word":"working","start":1303.255,"end":1303.5751,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.10935871303081512},{"word":"as","start":1303.5751,"end":1303.8151,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04760397598147392},{"word":"well","start":1303.8151,"end":1304.055,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12970590591430664},{"word":"so","start":1304.055,"end":1304.535,"confidence":0.9980469,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.22788190841674805},{"word":"you","start":1304.535,"end":1304.615,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2206699550151825},{"word":"know","start":1304.615,"end":1305.015,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.265951544046402},{"word":"if","start":1305.015,"end":1305.175,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.31460466980934143},{"word":"you","start":1305.175,"end":1305.3351,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2401072084903717},{"word":"weren't","start":1305.3351,"end":1305.655,"confidence":0.9970703,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":0.1836775243282318},{"word":"able","start":1305.655,"end":1305.895,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.18033356964588165},{"word":"to","start":1305.895,"end":1305.975,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16154348850250244},{"word":"work","start":1305.975,"end":1306.215,"confidence":0.9873047,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.16659466922283173},{"word":"through","start":1306.215,"end":1306.295,"confidence":0.6748047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15346942842006683},{"word":"the","start":1306.295,"end":1306.4551,"confidence":0.90478516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11201461404561996},{"word":"tpd","start":1306.4551,"end":1306.935,"confidence":0.9641927,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.13907597959041595},{"word":"we'd","start":1306.935,"end":1307.175,"confidence":0.8322754,"punctuated_word":"we'd","sentiment":"positive","sentiment_score":0.38367959856987},{"word":"be","start":1307.175,"end":1307.255,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4468381404876709},{"word":"able","start":1307.255,"end":1307.415,"confidence":0.96972656,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4467663764953614},{"word":"to","start":1307.415,"end":1307.495,"confidence":0.99121094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42691007256507874},{"word":"get","start":1307.495,"end":1307.735,"confidence":0.98095703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4019493460655213},{"word":"access","start":1307.735,"end":1308.055,"confidence":0.99609375,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.41076308488845825},{"word":"to","start":1308.055,"end":1308.135,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4327990114688874},{"word":"your","start":1308.135,"end":1308.375,"confidence":0.99316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43045467138290405},{"word":"super","start":1308.375,"end":1308.6951,"confidence":0.38354492,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5189204216003418},{"word":"at","start":1308.6951,"end":1308.775,"confidence":0.94140625,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5046053528785706},{"word":"this","start":1308.775,"end":1308.935,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.467024028301239},{"word":"point","start":1308.935,"end":1309.3351,"confidence":0.7702637,"punctuated_word":"point,","sentiment":"positive","sentiment_score":0.4614405035972595},{"word":"and","start":1309.5751,"end":1309.8151,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5298383831977844},{"word":"saving","start":1309.8151,"end":1310.215,"confidence":0.99902344,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.4767670035362244},{"word":"on","start":1310.215,"end":1310.375,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6089564561843872},{"word":"those","start":1310.375,"end":1310.615,"confidence":0.99316406,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.49116384983062744},{"word":"premiums","start":1310.615,"end":1311.115,"confidence":0.99609375,"punctuated_word":"premiums","sentiment":"positive","sentiment_score":0.4630044996738434},{"word":"means","start":1311.175,"end":1311.415,"confidence":0.9921875,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.44737708568573},{"word":"that","start":1311.415,"end":1311.5751,"confidence":0.34277344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4597775936126709},{"word":"more","start":1311.5751,"end":1311.735,"confidence":0.96875,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4769408106803894},{"word":"money","start":1311.735,"end":1312.055,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4798177480697632},{"word":"stays","start":1312.055,"end":1312.295,"confidence":0.99609375,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.4931856095790863},{"word":"inside","start":1312.295,"end":1312.6951,"confidence":1.0,"punctuated_word":"inside","sentiment":"positive","sentiment_score":0.5861979126930237},{"word":"your","start":1312.6951,"end":1312.855,"confidence":0.96435547,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5396686792373657},{"word":"super","start":1312.855,"end":1313.255,"confidence":0.98828125,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6090482473373413},{"word":"working","start":1313.255,"end":1313.5751,"confidence":0.9394531,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6103342175483704},{"word":"harder","start":1313.5751,"end":1313.895,"confidence":0.99316406,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.5571512579917908},{"word":"and","start":1313.895,"end":1314.055,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5111894607543945},{"word":"growing","start":1314.055,"end":1314.45,"confidence":0.99902344,"punctuated_word":"growing","sentiment":"positive","sentiment_score":0.6386882662773132},{"word":"towards","start":1314.9299,"end":1315.25,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.6410523056983948},{"word":"your","start":1315.25,"end":1315.4099,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6153021454811096},{"word":"goal","start":1315.4099,"end":1315.8899,"confidence":0.8388672,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.1836255639791489},{"word":"and","start":1315.8899,"end":1316.13,"confidence":0.8144531,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.034016791731119156},{"word":"if","start":1316.13,"end":1316.2899,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02829246036708355},{"word":"you","start":1316.2899,"end":1316.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06781615316867828},{"word":"were","start":1316.45,"end":1316.69,"confidence":0.99121094,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.08059296011924744},{"word":"ever","start":1316.69,"end":1317.01,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.04531227797269821},{"word":"permanently","start":1317.01,"end":1317.49,"confidence":0.77001953,"punctuated_word":"permanently","sentiment":"neutral","sentiment_score":-0.13512511551380155},{"word":"incapacitated","start":1317.49,"end":1317.99,"confidence":0.9905599,"punctuated_word":"incapacitated,","sentiment":"neutral","sentiment_score":-0.140387162566185},{"word":"we'd","start":1318.13,"end":1318.45,"confidence":0.89697266,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.07252994179725647},{"word":"look","start":1318.45,"end":1318.69,"confidence":0.98291016,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.06794236600399017},{"word":"to","start":1318.69,"end":1318.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04737559333443642},{"word":"get","start":1318.85,"end":1319.01,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05823435261845589},{"word":"that","start":1319.01,"end":1319.1699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0894448310136795},{"word":"released","start":1319.1699,"end":1319.49,"confidence":0.63378906,"punctuated_word":"released","sentiment":"neutral","sentiment_score":-0.0670083686709404},{"word":"so","start":1319.49,"end":1319.73,"confidence":0.9536133,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.023559696972370148},{"word":"you","start":1319.73,"end":1319.8099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01814517378807068},{"word":"could","start":1319.8099,"end":1319.97,"confidence":0.9892578,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.011111237108707428},{"word":"pay","start":1319.97,"end":1320.13,"confidence":0.94384766,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04589070752263069},{"word":"out","start":1320.13,"end":1320.21,"confidence":0.9370117,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.008591502904891968},{"word":"your","start":1320.21,"end":1320.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0037722811102867126},{"word":"mortgage","start":1320.37,"end":1320.85,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.050216011703014374},{"word":"and","start":1320.85,"end":1321.09,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006137080490589142},{"word":"and","start":1321.09,"end":1321.33,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.017870530486106873},{"word":"draw","start":1321.33,"end":1321.57,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.014661058783531187},{"word":"some","start":1321.57,"end":1321.8099,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.027186565101146695},{"word":"income","start":1321.8099,"end":1322.13,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04610276222229004},{"word":"out","start":1322.13,"end":1322.2899,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05557838827371597},{"word":"of","start":1322.2899,"end":1322.45,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010912612080574036},{"word":"there","start":1322.45,"end":1322.69,"confidence":0.9604492,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.031612470746040344},{"word":"for","start":1322.69,"end":1322.85,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06118893623352051},{"word":"you","start":1322.85,"end":1323.35,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.019339222460985184},{"word":"you","start":1324.61,"end":1324.7699,"confidence":0.9506836,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.13386747241020203},{"word":"are","start":1324.7699,"end":1325.09,"confidence":0.5888672,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12446919828653336},{"word":"comfortable","start":1325.09,"end":1325.57,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.09631642699241638},{"word":"with","start":1325.57,"end":1325.73,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2301934659481049},{"word":"reducing","start":1325.73,"end":1326.13,"confidence":0.9970703,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.15392819046974182},{"word":"your","start":1326.13,"end":1326.37,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17732471227645874},{"word":"life","start":1326.37,"end":1326.5299,"confidence":0.9633789,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.10287149250507356},{"word":"cover","start":1326.5299,"end":1326.85,"confidence":0.9863281,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1197255402803421},{"word":"down","start":1326.85,"end":1327.01,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2391105890274048},{"word":"to","start":1327.01,"end":1327.1699,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23071148991584775},{"word":"the","start":1327.1699,"end":1327.33,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24098055064678192},{"word":"$300,000","start":1327.33,"end":1328.61,"confidence":0.99853516,"punctuated_word":"$300,000","sentiment":"neutral","sentiment_score":0.2539413273334503},{"word":"mark","start":1328.61,"end":1329.045,"confidence":0.69970703,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":0.15413589775562286},{"word":"just","start":1329.285,"end":1329.525,"confidence":0.87353516,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04814736172556877},{"word":"making","start":1329.525,"end":1329.765,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.015075496397912502},{"word":"sure","start":1329.765,"end":1330.005,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.012416938319802284},{"word":"that","start":1330.005,"end":1330.245,"confidence":0.7709961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007882276549935341},{"word":"if","start":1330.245,"end":1330.3251,"confidence":0.7817383,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05852634459733963},{"word":"anything","start":1330.3251,"end":1330.7251,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11042067408561708},{"word":"happens","start":1330.7251,"end":1331.2251,"confidence":0.7849121,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.05222929269075394},{"word":"yeah","start":1331.285,"end":1331.6051,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10619480907917024},{"word":"that","start":1331.6051,"end":1331.8451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.140522763133049},{"word":"pays","start":1331.8451,"end":1332.165,"confidence":1.0,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.10000897198915482},{"word":"off","start":1332.165,"end":1332.405,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.07986059039831161},{"word":"the","start":1332.405,"end":1332.5651,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10055042803287506},{"word":"mortgage","start":1332.5651,"end":1333.0651,"confidence":0.9580078,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.09835706651210784},{"word":"that","start":1333.4451,"end":1333.685,"confidence":0.921875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1410035938024521},{"word":"plus","start":1333.685,"end":1333.925,"confidence":0.8911133,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.15562006831169128},{"word":"your","start":1333.925,"end":1334.165,"confidence":0.6972656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18606291711330417},{"word":"super","start":1334.165,"end":1334.485,"confidence":0.7163086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.25336599349975586},{"word":"is","start":1334.485,"end":1334.645,"confidence":0.9614258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18530842661857605},{"word":"then","start":1334.645,"end":1334.885,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18885259330272677},{"word":"also","start":1334.885,"end":1335.2051,"confidence":0.9941406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17895792424678802},{"word":"paid","start":1335.2051,"end":1335.4451,"confidence":0.984375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.16041502356529236},{"word":"out","start":1335.4451,"end":1335.685,"confidence":0.85253906,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2405171096324921},{"word":"to","start":1335.685,"end":1335.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18010301887989044},{"word":"give","start":1335.765,"end":1336.005,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2519473433494568},{"word":"carrie","start":1336.005,"end":1336.485,"confidence":0.7416992,"punctuated_word":"Carrie","sentiment":"neutral","sentiment_score":0.1928749531507492},{"word":"some","start":1336.485,"end":1336.9651,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.24976687133312225},{"word":"additional","start":1336.9651,"end":1337.4651,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.2271713763475418},{"word":"benefit","start":1337.685,"end":1338.185,"confidence":0.87353516,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.19804850220680237},{"word":"to","start":1338.3251,"end":1338.5651,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.201411172747612},{"word":"let","start":1338.5651,"end":1338.7251,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.18656635284423828},{"word":"her","start":1338.7251,"end":1338.9651,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.12366246432065964},{"word":"sort","start":1338.9651,"end":1339.125,"confidence":0.97314453,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0927412286400795},{"word":"of","start":1339.125,"end":1339.285,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1407562643289566},{"word":"take","start":1339.285,"end":1339.525,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1498240977525711},{"word":"some","start":1339.525,"end":1339.685,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1038769707083702},{"word":"time","start":1339.685,"end":1339.925,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05964478850364685},{"word":"off","start":1339.925,"end":1340.165,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0630941241979599},{"word":"and","start":1340.165,"end":1340.3251,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.044369205832481384},{"word":"grieve","start":1340.3251,"end":1340.7251,"confidence":0.9555664,"punctuated_word":"grieve","sentiment":"neutral","sentiment_score":0.031200096011161804},{"word":"and","start":1340.7251,"end":1341.125,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04360131174325943},{"word":"and","start":1341.125,"end":1341.4451,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06533189117908478},{"word":"work","start":1341.4451,"end":1341.685,"confidence":0.99121094,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.04657056927680969},{"word":"out","start":1341.685,"end":1341.8451,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07187363505363464},{"word":"what","start":1341.8451,"end":1342.0851,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13485607504844666},{"word":"she","start":1342.0851,"end":1342.245,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0863306075334549},{"word":"wants","start":1342.245,"end":1342.485,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.07362329214811325},{"word":"to","start":1342.485,"end":1342.645,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07243011891841888},{"word":"do","start":1342.645,"end":1342.885,"confidence":0.9902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04940807819366455},{"word":"moving","start":1342.885,"end":1343.125,"confidence":0.93115234,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.08259183168411255},{"word":"forward","start":1343.125,"end":1343.4451,"confidence":0.9980469,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.11993879079818726},{"word":"as","start":1343.4451,"end":1343.6051,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.019354183226823807},{"word":"well","start":1343.6051,"end":1344.1051,"confidence":0.98535156,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.05510687083005905},{"word":"so","start":1345.16,"end":1345.32,"confidence":0.3984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14638906717300415},{"word":"yeah","start":1345.4,"end":1345.7999,"confidence":0.87841797,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1830352544784546},{"word":"absolutely","start":1345.7999,"end":1346.2999,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2997250556945801},{"word":"yeah","start":1348.2,"end":1348.6799,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25607413053512573},{"word":"so","start":1348.6799,"end":1348.9199,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2845112383365631},{"word":"that","start":1348.9199,"end":1349.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32947251200675964},{"word":"does","start":1349.16,"end":1349.4,"confidence":0.97509766,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3284913897514343},{"word":"actually","start":1349.4,"end":1349.72,"confidence":0.98095703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.3246472477912903},{"word":"reduce","start":1349.72,"end":1350.12,"confidence":0.9951172,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.19354364275932312},{"word":"your","start":1350.12,"end":1350.36,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.280534952878952},{"word":"insurance","start":1350.36,"end":1350.84,"confidence":0.97509766,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.115290105342865},{"word":"payments","start":1350.84,"end":1351.34,"confidence":0.35839844,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.1264733076095581},{"word":"quite","start":1351.4,"end":1351.7999,"confidence":0.9970703,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.23751580715179443},{"word":"drastically","start":1351.7999,"end":1352.2999,"confidence":0.9995117,"punctuated_word":"drastically.","sentiment":"neutral","sentiment_score":0.2009773850440979},{"word":"we","start":1352.36,"end":1352.44,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.250301331281662},{"word":"go","start":1352.44,"end":1352.6,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.28037551045417786},{"word":"from","start":1352.6,"end":1353.0,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2759982943534851},{"word":"a","start":1353.0,"end":1353.16,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2573022246360779},{"word":"yearly","start":1353.16,"end":1353.48,"confidence":0.98828125,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.18663878738880155},{"word":"premium","start":1353.48,"end":1353.96,"confidence":0.99609375,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.09622792899608612},{"word":"of","start":1353.96,"end":1354.12,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1419295221567154},{"word":"$14,007.02","start":1354.12,"end":1355.64,"confidence":0.9868164,"punctuated_word":"$14,007.02","sentiment":"neutral","sentiment_score":0.09348978847265244},{"word":"$6.09","start":1355.64,"end":1356.28,"confidence":0.9995117,"punctuated_word":"$6.09","sentiment":"neutral","sentiment_score":0.07958753407001495},{"word":"6","start":1356.28,"end":1356.52,"confidence":1.0,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.0762716680765152},{"word":"to","start":1356.52,"end":1356.6799,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1138760969042778},{"word":"$4,006.58","start":1356.6799,"end":1358.475,"confidence":0.9694824,"punctuated_word":"$4,006.58,","sentiment":"neutral","sentiment_score":0.10683401674032213},{"word":"and","start":1359.115,"end":1359.595,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13362754881381989},{"word":"the","start":1359.595,"end":1359.9149,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1496822088956833},{"word":"expected","start":1359.9149,"end":1360.4149,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.14407220482826233},{"word":"withdrawal","start":1361.035,"end":1361.355,"confidence":0.6928711,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.11721418797969818},{"word":"from","start":1361.355,"end":1361.595,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09211905300617218},{"word":"your","start":1361.595,"end":1361.755,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10368921607732771},{"word":"super","start":1361.755,"end":1362.075,"confidence":0.9248047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13689598441123962},{"word":"will","start":1362.075,"end":1362.235,"confidence":0.7675781,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14303545653820038},{"word":"be","start":1362.235,"end":1362.395,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16718876361846924},{"word":"$3.09","start":1362.395,"end":1362.955,"confidence":1.0,"punctuated_word":"$3.09","sentiment":"neutral","sentiment_score":0.11633996665477753},{"word":"$6.00","start":1362.955,"end":1363.6749,"confidence":0.9884033,"punctuated_word":"$6.00.","sentiment":"neutral","sentiment_score":0.14665919542312622},{"word":"so","start":1363.6749,"end":1364.1749,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.39098960161209106},{"word":"it","start":1364.235,"end":1364.395,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5393534898757935},{"word":"is","start":1364.395,"end":1364.5549,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5260886549949646},{"word":"a","start":1364.5549,"end":1364.715,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5902198553085327},{"word":"huge","start":1364.715,"end":1365.195,"confidence":1.0,"punctuated_word":"huge","sentiment":"positive","sentiment_score":0.6162124276161194},{"word":"difference","start":1365.195,"end":1365.595,"confidence":0.91674805,"punctuated_word":"difference.","sentiment":"positive","sentiment_score":0.533312201499939},{"word":"it's","start":1365.595,"end":1365.835,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5386747717857361},{"word":"saving","start":1365.835,"end":1366.155,"confidence":0.99316406,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.4152076840400696},{"word":"of","start":1366.155,"end":1366.315,"confidence":0.93359375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4283854961395264},{"word":"over","start":1366.315,"end":1366.5549,"confidence":0.9980469,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.498190701007843},{"word":"$8,000","start":1366.5549,"end":1367.515,"confidence":0.9995117,"punctuated_word":"$8,000","sentiment":"positive","sentiment_score":0.4134790599346161},{"word":"for","start":1367.515,"end":1367.6749,"confidence":0.9819336,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4444193243980408},{"word":"the","start":1367.6749,"end":1367.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38608184456825256},{"word":"year","start":1367.835,"end":1368.075,"confidence":0.9980469,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.3580200970172882},{"word":"for","start":1368.075,"end":1368.315,"confidence":0.9604492,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3809046745300293},{"word":"the","start":1368.315,"end":1368.475,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3698837757110596},{"word":"premiums","start":1368.475,"end":1368.975,"confidence":0.96972656,"punctuated_word":"premiums","sentiment":"positive","sentiment_score":0.3408151865005493},{"word":"and","start":1369.4349,"end":1369.6749,"confidence":0.9038086,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3557666540145874},{"word":"does","start":1369.6749,"end":1369.995,"confidence":0.94189453,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2749066948890686},{"word":"reduce","start":1369.995,"end":1370.395,"confidence":0.9667969,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.2302129566669464},{"word":"it","start":1370.395,"end":1370.5549,"confidence":0.9506836,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20866896212100983},{"word":"back","start":1370.5549,"end":1370.875,"confidence":0.9951172,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2138809859752655},{"word":"very","start":1370.875,"end":1371.115,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1840999722480774},{"word":"heavily","start":1371.115,"end":1371.615,"confidence":0.94140625,"punctuated_word":"heavily.","sentiment":"neutral","sentiment_score":0.2814738154411316},{"word":"so","start":1371.755,"end":1372.255,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2300894558429718},{"word":"that's","start":1372.91,"end":1373.3099,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2380943298339844},{"word":"8,558","start":1373.3099,"end":1375.15,"confidence":0.99930245,"punctuated_word":"8,558","sentiment":"neutral","sentiment_score":0.23317930102348328},{"word":"that","start":1375.15,"end":1375.39,"confidence":0.9589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19351071119308472},{"word":"stays","start":1375.39,"end":1375.63,"confidence":0.9921875,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.16850267350673676},{"word":"in","start":1375.63,"end":1375.87,"confidence":0.9633789,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16557356715202332},{"word":"your","start":1375.87,"end":1376.11,"confidence":0.97265625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21455737948417664},{"word":"super","start":1376.11,"end":1376.51,"confidence":0.8925781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20105214416980743},{"word":"working","start":1376.51,"end":1376.83,"confidence":0.9760742,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1597156673669815},{"word":"harder","start":1376.83,"end":1377.23,"confidence":0.9819336,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.1605445146560669},{"word":"for","start":1377.23,"end":1377.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20474429428577423},{"word":"you","start":1377.39,"end":1377.89,"confidence":0.7717285,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2438519299030304},{"word":"because","start":1378.19,"end":1378.59,"confidence":0.9716797,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0514322891831398},{"word":"the","start":1378.59,"end":1378.99,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013683870434761047},{"word":"the","start":1378.99,"end":1379.15,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02721701562404633},{"word":"insurance","start":1379.15,"end":1379.63,"confidence":0.9970703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.09200455248355864},{"word":"premiums","start":1379.63,"end":1380.03,"confidence":0.9941406,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.1146152913570404},{"word":"probably","start":1380.03,"end":1380.35,"confidence":0.9819336,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.10855165123939514},{"word":"have","start":1380.35,"end":1380.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11483108252286912},{"word":"already","start":1380.51,"end":1380.83,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.11024098843336104},{"word":"gone","start":1380.83,"end":1381.15,"confidence":1.0,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.15853029489517212},{"word":"through","start":1381.15,"end":1381.65,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.1405232548713684},{"word":"the","start":1382.03,"end":1382.19,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12993693351745603},{"word":"renewal","start":1382.19,"end":1382.69,"confidence":0.99902344,"punctuated_word":"renewal","sentiment":"neutral","sentiment_score":-0.18406876921653748},{"word":"process","start":1382.75,"end":1383.25,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.13366523385047913},{"word":"so","start":1383.63,"end":1384.03,"confidence":0.77563477,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.018924154341220856},{"word":"essentially","start":1384.03,"end":1384.4299,"confidence":0.99560547,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.004401803016662598},{"word":"what","start":1384.4299,"end":1384.59,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04365579038858414},{"word":"we","start":1384.59,"end":1384.75,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.088750459253788},{"word":"do","start":1384.75,"end":1384.99,"confidence":0.9819336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12412675470113754},{"word":"is","start":1384.99,"end":1385.15,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09260498732328416},{"word":"we'll","start":1385.15,"end":1385.505,"confidence":0.99316406,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1449442207813263},{"word":"get","start":1385.585,"end":1385.745,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18157103657722473},{"word":"you","start":1385.745,"end":1385.905,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1501936912536621},{"word":"to","start":1385.905,"end":1385.985,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2145484983921051},{"word":"sign","start":1385.985,"end":1386.465,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.037132784724235535},{"word":"the","start":1386.465,"end":1386.705,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1335577815771103},{"word":"quote","start":1386.705,"end":1387.025,"confidence":0.97509766,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.0711323618888855},{"word":"to","start":1387.025,"end":1387.105,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1221628412604332},{"word":"say","start":1387.105,"end":1387.265,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13082942366600037},{"word":"you're","start":1387.265,"end":1387.505,"confidence":0.9916992,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12208419293165208},{"word":"happy","start":1387.505,"end":1387.745,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.053829126060009},{"word":"to","start":1387.745,"end":1387.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05621325969696045},{"word":"cancel","start":1387.825,"end":1388.305,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.032638952136039734},{"word":"the","start":1388.305,"end":1388.465,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10084709525108336},{"word":"tbd","start":1388.465,"end":1388.965,"confidence":0.7626953,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.08807729929685593},{"word":"and","start":1389.105,"end":1389.345,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015746518969535828},{"word":"reduce","start":1389.345,"end":1389.745,"confidence":0.9838867,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.017265304923057556},{"word":"the","start":1389.745,"end":1389.905,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.048199303448200226},{"word":"life","start":1389.905,"end":1390.145,"confidence":0.9921875,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.14066970348358154},{"word":"cover","start":1390.145,"end":1390.645,"confidence":0.99194336,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.01676521822810173},{"word":"the","start":1390.945,"end":1391.105,"confidence":0.7841797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06387143582105637},{"word":"insurance","start":1391.105,"end":1391.585,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0033072009682655334},{"word":"company","start":1391.585,"end":1391.905,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.05587014555931091},{"word":"will","start":1391.905,"end":1392.145,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08053942024707794},{"word":"then","start":1392.145,"end":1392.305,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1019609272480011},{"word":"go","start":1392.305,"end":1392.465,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.030759021639823914},{"word":"and","start":1392.465,"end":1392.705,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0058433786034584045},{"word":"cancel","start":1392.705,"end":1393.185,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.05646773427724838},{"word":"the","start":1393.185,"end":1393.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015480637550354004},{"word":"tbd","start":1393.345,"end":1393.825,"confidence":0.9057617,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":-0.011059361509978771},{"word":"and","start":1393.825,"end":1393.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10419036448001862},{"word":"they'll","start":1393.985,"end":1394.225,"confidence":0.88427734,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.06752525269985199},{"word":"just","start":1394.225,"end":1394.465,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.148914635181427},{"word":"refund","start":1394.465,"end":1394.945,"confidence":0.9902344,"punctuated_word":"refund","sentiment":"neutral","sentiment_score":0.03685407340526581},{"word":"back","start":1394.945,"end":1395.185,"confidence":0.89990234,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.04478757083415985},{"word":"to","start":1395.185,"end":1395.265,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07273296266794205},{"word":"your","start":1395.265,"end":1395.505,"confidence":0.8857422,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09542936086654664},{"word":"super","start":1395.505,"end":1396.005,"confidence":0.88671875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10753771662712096},{"word":"the","start":1396.305,"end":1396.545,"confidence":0.76708984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10478976368904114},{"word":"prorated","start":1396.545,"end":1397.045,"confidence":0.95133466,"punctuated_word":"prorated","sentiment":"neutral","sentiment_score":0.0674164742231369},{"word":"amount","start":1397.185,"end":1397.425,"confidence":0.9970703,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.04756703227758408},{"word":"for","start":1397.425,"end":1397.585,"confidence":0.9536133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06633971631526947},{"word":"that","start":1397.585,"end":1397.825,"confidence":0.87109375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06148970499634743},{"word":"so","start":1397.825,"end":1397.985,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11600950360298155},{"word":"you","start":1397.985,"end":1398.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11001280695199966},{"word":"do","start":1398.145,"end":1398.305,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09266754239797592},{"word":"get","start":1398.305,"end":1398.465,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05339419096708298},{"word":"a","start":1398.465,"end":1398.545,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053922805935144424},{"word":"refund","start":1398.545,"end":1398.945,"confidence":1.0,"punctuated_word":"refund","sentiment":"neutral","sentiment_score":0.04884845018386841},{"word":"if","start":1398.945,"end":1399.105,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02618950791656971},{"word":"it","start":1399.105,"end":1399.185,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.023110508918762207},{"word":"does","start":1399.185,"end":1399.505,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.035032615065574646},{"word":"go","start":1399.505,"end":1399.665,"confidence":0.98095703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.006607018411159515},{"word":"through","start":1399.665,"end":1399.905,"confidence":0.98095703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.016927938908338547},{"word":"renewal","start":1399.905,"end":1400.405,"confidence":0.85253906,"punctuated_word":"renewal.","sentiment":"neutral","sentiment_score":0.0075827706605196},{"word":"okay","start":1400.625,"end":1401.125,"confidence":0.8640137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04687899351119995},{"word":"yeah","start":1401.42,"end":1401.92,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06170487403869629},{"word":"fantastic","start":1402.9401,"end":1403.4401,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5658504962921143},{"word":"as","start":1404.54,"end":1404.78,"confidence":0.6147461,"punctuated_word":"As","sentiment":"positive","sentiment_score":0.3441269099712372},{"word":"you","start":1404.78,"end":1405.02,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3511304557323456},{"word":"are","start":1405.02,"end":1405.18,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.35765379667282104},{"word":"kind","start":1405.18,"end":1405.42,"confidence":0.80322266,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.29691916704177856},{"word":"of","start":1405.42,"end":1405.5801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2974367141723633},{"word":"taking","start":1405.5801,"end":1405.9,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.2895627021789551},{"word":"time","start":1405.9,"end":1406.14,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2790661156177521},{"word":"later","start":1406.14,"end":1406.4601,"confidence":0.9760742,"punctuated_word":"later","sentiment":"positive","sentiment_score":0.3467836081981659},{"word":"to","start":1406.4601,"end":1406.62,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3010130226612091},{"word":"sort","start":1406.62,"end":1406.78,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28930988907814026},{"word":"of","start":1406.78,"end":1406.9401,"confidence":0.62597656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2972465753555298},{"word":"go","start":1406.9401,"end":1407.1001,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.25046923756599426},{"word":"through","start":1407.1001,"end":1407.3401,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.307724267244339},{"word":"and","start":1407.3401,"end":1407.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27372512221336365},{"word":"read","start":1407.5,"end":1407.8201,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.21663382649421692},{"word":"everything","start":1407.8201,"end":1408.3201,"confidence":0.97314453,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.265459269285202},{"word":"as","start":1408.7001,"end":1408.9401,"confidence":0.9838867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2728460729122162},{"word":"with","start":1408.9401,"end":1409.18,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2973165214061737},{"word":"all","start":1409.18,"end":1409.3401,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3422340452671051},{"word":"of","start":1409.3401,"end":1409.5,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27604296803474426},{"word":"these","start":1409.5,"end":1409.8201,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2767435908317566},{"word":"recommendations","start":1409.8201,"end":1410.3201,"confidence":0.99853516,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":0.25773176550865173},{"word":"i","start":1410.62,"end":1410.7001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2987968921661377},{"word":"have","start":1410.7001,"end":1410.9401,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34942683577537537},{"word":"what's","start":1410.9401,"end":1411.1001,"confidence":0.9970703,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.24200068414211273},{"word":"called","start":1411.1001,"end":1411.3401,"confidence":0.9980469,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.2242245376110077},{"word":"a","start":1411.3401,"end":1411.5,"confidence":0.80566406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29350632429122925},{"word":"best","start":1411.5,"end":1411.7401,"confidence":0.99609375,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.13768087327480316},{"word":"interest","start":1411.7401,"end":1412.14,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.13216865062713623},{"word":"duty","start":1412.14,"end":1412.54,"confidence":0.98291016,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.19437015056610107},{"word":"in","start":1412.54,"end":1412.7001,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2151550650596619},{"word":"here","start":1412.7001,"end":1413.195,"confidence":0.74450684,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.22283518314361572},{"word":"and","start":1413.2749,"end":1413.5149,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2426214814186096},{"word":"that","start":1413.5149,"end":1413.6749,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2103838473558426},{"word":"essentially","start":1413.6749,"end":1414.1749,"confidence":0.78808594,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.17390795052051544},{"word":"is","start":1414.235,"end":1414.475,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17744237184524536},{"word":"just","start":1414.475,"end":1414.6349,"confidence":0.75390625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18659451603889465},{"word":"noting","start":1414.6349,"end":1415.0349,"confidence":0.984375,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.13600468635559082},{"word":"down","start":1415.0349,"end":1415.2749,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17384284734725952},{"word":"how","start":1415.2749,"end":1415.5149,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1925474554300308},{"word":"and","start":1415.5149,"end":1415.6749,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2094571441411972},{"word":"why","start":1415.6749,"end":1415.9149,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.17304426431655884},{"word":"these","start":1415.9149,"end":1416.1549,"confidence":0.99121094,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2890082895755768},{"word":"recommendations","start":1416.1549,"end":1416.6549,"confidence":1.0,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.24964985251426697},{"word":"are","start":1416.955,"end":1417.115,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.25391849875450134},{"word":"made","start":1417.115,"end":1417.355,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.26775288581848145},{"word":"in","start":1417.355,"end":1417.5149,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29977864027023315},{"word":"your","start":1417.5149,"end":1417.755,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.332634836435318},{"word":"best","start":1417.755,"end":1418.075,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.22917549312114716},{"word":"interest","start":1418.075,"end":1418.575,"confidence":0.921875,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.29415374994277954},{"word":"and","start":1419.2749,"end":1419.5149,"confidence":0.6542969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3223397135734558},{"word":"making","start":1419.5149,"end":1419.835,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.263832151889801},{"word":"sure","start":1419.835,"end":1419.995,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2755887508392334},{"word":"that","start":1419.995,"end":1420.235,"confidence":0.8984375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.25438323616981506},{"word":"you","start":1420.235,"end":1420.3949,"confidence":0.7792969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24263933300971985},{"word":"know","start":1420.3949,"end":1420.6349,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2693614959716797},{"word":"we're","start":1420.6349,"end":1420.875,"confidence":0.9890137,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3454136848449707},{"word":"linking","start":1420.875,"end":1421.2749,"confidence":0.9941406,"punctuated_word":"linking","sentiment":"positive","sentiment_score":0.3646555542945862},{"word":"it","start":1421.2749,"end":1421.355,"confidence":0.9873047,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34940120577812195},{"word":"back","start":1421.355,"end":1421.595,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.36239591240882874},{"word":"to","start":1421.595,"end":1421.6749,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3784233033657074},{"word":"your","start":1421.6749,"end":1421.835,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3900037705898285},{"word":"goals","start":1421.835,"end":1422.235,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.29363515973091125},{"word":"and","start":1422.235,"end":1422.5549,"confidence":0.9716797,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45804718136787415},{"word":"how","start":1422.5549,"end":1422.7949,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.4604724049568176},{"word":"this","start":1422.7949,"end":1423.115,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.46822068095207214},{"word":"works","start":1423.115,"end":1423.5149,"confidence":1.0,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.4562186002731323},{"word":"for","start":1423.5149,"end":1423.6749,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4251999258995056},{"word":"you","start":1423.6749,"end":1423.9149,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3436447083950043},{"word":"it's","start":1423.9149,"end":1424.1549,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.29936695098876953},{"word":"really","start":1424.1549,"end":1424.315,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.31328609585762024},{"word":"important","start":1424.315,"end":1424.715,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2337535321712494},{"word":"that","start":1424.715,"end":1424.875,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31950533390045166},{"word":"any","start":1424.875,"end":1425.115,"confidence":1.0,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.36339226365089417},{"word":"recommendations","start":1425.115,"end":1425.615,"confidence":0.9980469,"punctuated_word":"recommendations","sentiment":"positive","sentiment_score":0.3426830768585205},{"word":"we","start":1425.835,"end":1426.075,"confidence":0.984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2525879144668579},{"word":"make","start":1426.075,"end":1426.315,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.30075693130493164},{"word":"are","start":1426.315,"end":1426.5549,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3233492076396942},{"word":"in","start":1426.5549,"end":1426.715,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.313646137714386},{"word":"your","start":1426.715,"end":1426.875,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3266713619232178},{"word":"best","start":1426.875,"end":1427.115,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2411993443965912},{"word":"interest","start":1427.115,"end":1427.5149,"confidence":0.95703125,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.32067713141441345},{"word":"in","start":1427.5149,"end":1427.595,"confidence":0.6826172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.35226136445999146},{"word":"working","start":1427.595,"end":1427.995,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.4276899993419647},{"word":"for","start":1427.995,"end":1428.1549,"confidence":0.7573242,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43852171301841736},{"word":"your","start":1428.1549,"end":1428.3949,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4041225016117096},{"word":"goals","start":1428.3949,"end":1428.81,"confidence":0.99902344,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.2906193733215332},{"word":"okay","start":1429.05,"end":1429.55,"confidence":0.84716797,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1388995200395584},{"word":"perfect","start":1431.3701,"end":1431.8701,"confidence":0.9667969,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.027216080576181412},{"word":"you've","start":1432.25,"end":1432.65,"confidence":0.9289551,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.005327550228685141},{"word":"also","start":1432.65,"end":1432.89,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.00860266387462616},{"word":"got","start":1432.89,"end":1433.05,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.001626536250114441},{"word":"in","start":1433.05,"end":1433.29,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008150123059749603},{"word":"there","start":1433.29,"end":1433.53,"confidence":0.9892578,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03261231631040573},{"word":"the","start":1433.53,"end":1433.6901,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00791238248348236},{"word":"advantages","start":1433.6901,"end":1434.1901,"confidence":0.9560547,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.06514137238264084},{"word":"the","start":1434.3301,"end":1434.4901,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03085397183895111},{"word":"disadvantages","start":1434.4901,"end":1434.9901,"confidence":0.9951172,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.10036854445934296},{"word":"the","start":1435.2101,"end":1435.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07911871373653412},{"word":"risks","start":1435.29,"end":1435.77,"confidence":0.9980469,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.12552088499069214},{"word":"of","start":1435.77,"end":1436.01,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05140244215726853},{"word":"each","start":1436.01,"end":1436.17,"confidence":0.99609375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.03325696289539337},{"word":"of","start":1436.17,"end":1436.25,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02486521750688553},{"word":"the","start":1436.25,"end":1436.4901,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0043525174260139465},{"word":"strategies","start":1436.4901,"end":1436.9901,"confidence":0.75341797,"punctuated_word":"strategies,","sentiment":"neutral","sentiment_score":-0.06614451110363007},{"word":"and","start":1437.05,"end":1437.2101,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02019471675157547},{"word":"the","start":1437.2101,"end":1437.4501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08732035011053085},{"word":"alternatives","start":1437.4501,"end":1437.9501,"confidence":0.99316406,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":-0.01647130399942398},{"word":"that","start":1438.01,"end":1438.17,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05379052460193634},{"word":"i","start":1438.17,"end":1438.3301,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04730091989040375},{"word":"may","start":1438.3301,"end":1438.4901,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.036012645810842514},{"word":"have","start":1438.4901,"end":1438.65,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03739960491657257},{"word":"considered","start":1438.65,"end":1439.13,"confidence":0.9980469,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.01496817171573639},{"word":"as","start":1439.13,"end":1439.3701,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02797897905111313},{"word":"well","start":1439.3701,"end":1439.6101,"confidence":0.9501953,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.015292763710021973},{"word":"so","start":1439.6101,"end":1439.8501,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04958000034093857},{"word":"i'll","start":1439.8501,"end":1440.01,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07848194241523743},{"word":"let","start":1440.01,"end":1440.17,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07708746939897537},{"word":"you","start":1440.17,"end":1440.3301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11927498877048492},{"word":"sort","start":1440.3301,"end":1440.4901,"confidence":0.9560547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1238679438829422},{"word":"of","start":1440.4901,"end":1440.65,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13435746729373932},{"word":"run","start":1440.65,"end":1440.81,"confidence":0.99609375,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.07171498984098434},{"word":"your","start":1440.81,"end":1441.05,"confidence":0.9819336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12249860912561417},{"word":"eyes","start":1441.05,"end":1441.335,"confidence":0.9970703,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.10927021503448486},{"word":"over","start":1441.335,"end":1441.6549,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10783585906028748},{"word":"those","start":1441.6549,"end":1441.815,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11094791442155838},{"word":"a","start":1441.815,"end":1442.0549,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08862366527318954},{"word":"bit","start":1442.0549,"end":1442.2949,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07366824895143509},{"word":"later","start":1442.2949,"end":1442.695,"confidence":0.99853516,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.0863393247127533},{"word":"they","start":1442.695,"end":1442.855,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.01228468120098114},{"word":"are","start":1442.855,"end":1442.975,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.025016017258167267},{"word":"a","start":1442.975,"end":1443.095,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015900079160928726},{"word":"bit","start":1443.095,"end":1443.335,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04538997262716293},{"word":"arduous","start":1443.335,"end":1443.835,"confidence":0.9630534,"punctuated_word":"arduous,","sentiment":"neutral","sentiment_score":-0.13271042704582214},{"word":"so","start":1443.895,"end":1444.215,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.04022366553544998},{"word":"take","start":1444.215,"end":1444.375,"confidence":0.9658203,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.017475053668022156},{"word":"some","start":1444.375,"end":1444.615,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.011274203658103945},{"word":"time","start":1444.615,"end":1444.9349,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.021560952067375183},{"word":"to","start":1444.9349,"end":1445.015,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04979097843170166},{"word":"read","start":1445.015,"end":1445.255,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.014332681894302368},{"word":"them","start":1445.255,"end":1445.4149,"confidence":0.99609375,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.05664382129907608},{"word":"over","start":1445.4149,"end":1445.9149,"confidence":0.7766113,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":-0.0033732913434505463},{"word":"and","start":1446.135,"end":1446.375,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.118594191968441},{"word":"feel","start":1446.375,"end":1446.615,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.131354957818985},{"word":"free","start":1446.615,"end":1446.855,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.17427492141723633},{"word":"to","start":1446.855,"end":1446.9349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15236176550388336},{"word":"let","start":1446.9349,"end":1447.095,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14623871445655823},{"word":"me","start":1447.095,"end":1447.255,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17766305804252625},{"word":"know","start":1447.255,"end":1447.4149,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.21525853872299192},{"word":"if","start":1447.4149,"end":1447.495,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2248651683330536},{"word":"you","start":1447.495,"end":1447.735,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2367679476737976},{"word":"do","start":1447.735,"end":1447.895,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1867878884077072},{"word":"happen","start":1447.895,"end":1448.215,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.17949256300926208},{"word":"to","start":1448.215,"end":1448.375,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21607305109500885},{"word":"have","start":1448.375,"end":1448.5349,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1966395378112793},{"word":"any","start":1448.5349,"end":1448.7749,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19417467713356015},{"word":"questions","start":1448.7749,"end":1449.255,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.14389725029468536},{"word":"there","start":1449.255,"end":1449.6549,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09609901905059814},{"word":"okay","start":1449.6549,"end":1450.1549,"confidence":0.80810547,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.09224902093410492},{"word":"excellent","start":1452.135,"end":1452.635,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7337254285812378},{"word":"the","start":1454.18,"end":1454.34,"confidence":0.95166016,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4989198446273804},{"word":"next","start":1454.34,"end":1454.66,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.3559533357620239},{"word":"side","start":1454.66,"end":1454.9,"confidence":0.32910156,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2779354453086853},{"word":"of","start":1454.9,"end":1455.0599,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28642532229423523},{"word":"things","start":1455.0599,"end":1455.3,"confidence":0.9980469,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3877684772014618},{"word":"is","start":1455.3,"end":1455.46,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2640548050403595},{"word":"that","start":1455.46,"end":1455.78,"confidence":0.9370117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1993035078048706},{"word":"transition","start":1455.78,"end":1456.28,"confidence":0.9819336,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.2107655256986618},{"word":"to","start":1456.34,"end":1456.5,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16963574290275574},{"word":"retirement","start":1456.5,"end":1457.0,"confidence":0.9873047,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.16740593314170835},{"word":"side","start":1457.3,"end":1457.8,"confidence":0.9902344,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.1442801058292389},{"word":"if","start":1458.1,"end":1458.34,"confidence":0.9770508,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1537237912416458},{"word":"you","start":1458.34,"end":1458.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1407124251127243},{"word":"go","start":1458.42,"end":1458.74,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11406365782022476},{"word":"down","start":1458.74,"end":1458.98,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12162236124277116},{"word":"to","start":1458.98,"end":1459.14,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10897159576416016},{"word":"page","start":1459.14,"end":1459.62,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09511395543813704},{"word":"number","start":1459.62,"end":1459.94,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.13842888176441193},{"word":"30","start":1459.94,"end":1460.26,"confidence":0.9970703,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.12983672320842743},{"word":"for","start":1460.26,"end":1460.5,"confidence":0.96875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14454779028892517},{"word":"me","start":1460.5,"end":1460.66,"confidence":0.9946289,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.15509045124053955},{"word":"i'll","start":1460.66,"end":1460.82,"confidence":0.8461914,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20343396067619324},{"word":"take","start":1460.82,"end":1461.0599,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.19200825691223145},{"word":"you","start":1461.0599,"end":1461.38,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19414427876472473},{"word":"through","start":1461.38,"end":1461.62,"confidence":0.9902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17917853593826294},{"word":"this","start":1461.62,"end":1461.94,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15285520255565643},{"word":"one","start":1461.94,"end":1462.44,"confidence":0.99902344,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.13456957042217255},{"word":"beautiful","start":1464.5,"end":1465.0,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5943088531494141},{"word":"so","start":1465.78,"end":1466.02,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29566138982772827},{"word":"with","start":1466.02,"end":1466.18,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36443471908569336},{"word":"this","start":1466.18,"end":1466.42,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3197881877422333},{"word":"one","start":1466.42,"end":1466.58,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.3021538555622101},{"word":"here","start":1466.58,"end":1466.82,"confidence":0.99853516,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.2967674136161804},{"word":"we're","start":1466.82,"end":1467.0599,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2269602119922638},{"word":"looking","start":1467.0599,"end":1467.3,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21354952454566956},{"word":"to","start":1467.3,"end":1467.615,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22864632308483124},{"word":"set","start":1467.695,"end":1467.775,"confidence":0.9633789,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.22728821635246277},{"word":"up","start":1467.775,"end":1468.015,"confidence":0.9892578,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.26421064138412476},{"word":"the","start":1468.015,"end":1468.175,"confidence":0.6699219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26929980516433716},{"word":"transition","start":1468.175,"end":1468.675,"confidence":0.96240234,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.21604137122631073},{"word":"time","start":1468.815,"end":1469.135,"confidence":0.81933594,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.24434822797775269},{"word":"strategy","start":1469.135,"end":1469.635,"confidence":0.5410156,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.229869544506073},{"word":"where","start":1469.695,"end":1469.9349,"confidence":0.95703125,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.24113796651363373},{"word":"we","start":1469.9349,"end":1470.095,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2857016623020172},{"word":"can","start":1470.095,"end":1470.335,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.33957913517951965},{"word":"increase","start":1470.335,"end":1470.735,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.3179660439491272},{"word":"your","start":1470.735,"end":1471.0549,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3472006916999817},{"word":"contributions","start":1471.0549,"end":1471.5549,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.28959667682647705},{"word":"into","start":1471.9349,"end":1472.255,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3051227331161499},{"word":"super","start":1472.255,"end":1472.755,"confidence":0.96777344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3933267891407013},{"word":"and","start":1472.895,"end":1473.135,"confidence":0.8886719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2981032431125641},{"word":"also","start":1473.135,"end":1473.455,"confidence":0.8935547,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3581555485725403},{"word":"draw","start":1473.455,"end":1473.695,"confidence":0.99902344,"punctuated_word":"draw","sentiment":"positive","sentiment_score":0.4145428538322449},{"word":"a","start":1473.695,"end":1473.775,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.353660523891449},{"word":"little","start":1473.775,"end":1474.015,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29217827320098877},{"word":"bit","start":1474.015,"end":1474.175,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3192143738269806},{"word":"of","start":1474.175,"end":1474.335,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32112112641334534},{"word":"income","start":1474.335,"end":1474.735,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3665087819099426},{"word":"out","start":1474.735,"end":1474.975,"confidence":0.96435547,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3315400779247284},{"word":"to","start":1474.975,"end":1475.215,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3610849678516388},{"word":"replenish","start":1475.215,"end":1475.695,"confidence":1.0,"punctuated_word":"replenish","sentiment":"positive","sentiment_score":0.3341085612773895},{"word":"things","start":1475.695,"end":1476.095,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.37676694989204407},{"word":"for","start":1476.095,"end":1476.335,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3096756637096405},{"word":"you","start":1476.335,"end":1476.835,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23604443669319153},{"word":"you","start":1477.215,"end":1477.455,"confidence":0.93408203,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07989136874675751},{"word":"essentially","start":1477.455,"end":1477.9349,"confidence":0.78759766,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.10053753852844238},{"word":"were","start":1477.9349,"end":1478.095,"confidence":0.984375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08575509488582611},{"word":"looking","start":1478.095,"end":1478.415,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11345122009515762},{"word":"to","start":1478.415,"end":1478.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11853179335594176},{"word":"try","start":1478.575,"end":1478.895,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.10929223895072936},{"word":"and","start":1478.895,"end":1479.135,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13467374444007874},{"word":"get","start":1479.135,"end":1479.535,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0916958600282669},{"word":"the","start":1479.535,"end":1479.775,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11202244460582732},{"word":"income","start":1479.775,"end":1480.255,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.13695503771305084},{"word":"back","start":1480.255,"end":1480.655,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10611262172460556},{"word":"from","start":1480.655,"end":1480.815,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07533934712409973},{"word":"your","start":1480.815,"end":1481.215,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0630437508225441},{"word":"pre","start":1481.215,"end":1481.715,"confidence":0.8857422,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.0651407316327095},{"word":"injury","start":1481.9349,"end":1482.4349,"confidence":0.7973633,"punctuated_word":"injury,","sentiment":"neutral","sentiment_score":0.03818002715706825},{"word":"so","start":1483.12,"end":1483.28,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04531791806221008},{"word":"not","start":1483.28,"end":1483.6,"confidence":0.9111328,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0444001778960228},{"word":"sort","start":1483.6,"end":1483.6799,"confidence":0.8100586,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.031935133039951324},{"word":"of","start":1483.6799,"end":1483.84,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048369526863098145},{"word":"factoring","start":1483.84,"end":1484.24,"confidence":0.9926758,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.040621619671583176},{"word":"in","start":1484.24,"end":1484.32,"confidence":0.94628906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006751522421836853},{"word":"what","start":1484.32,"end":1484.48,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01801297813653946},{"word":"you're","start":1484.48,"end":1484.64,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01676543802022934},{"word":"currently","start":1484.64,"end":1485.12,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.05101107060909271},{"word":"making","start":1485.12,"end":1485.44,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.026982732117176056},{"word":"from","start":1485.44,"end":1485.76,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.001421324908733368},{"word":"super","start":1485.76,"end":1486.1599,"confidence":0.8562012,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.05151181295514107},{"word":"but","start":1486.1599,"end":1486.32,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05676194280385971},{"word":"more","start":1486.32,"end":1486.5599,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03829058259725571},{"word":"looking","start":1486.5599,"end":1486.7999,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06478212773799896},{"word":"at","start":1486.7999,"end":1486.96,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06238654255867005},{"word":"trying","start":1486.96,"end":1487.28,"confidence":0.9873047,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.04878567159175873},{"word":"to","start":1487.28,"end":1487.36,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06853865832090378},{"word":"get","start":1487.36,"end":1487.52,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.024376772344112396},{"word":"your","start":1487.52,"end":1488.0,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0730925053358078},{"word":"income","start":1488.0,"end":1488.4,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.08859767019748688},{"word":"back","start":1488.4,"end":1488.64,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09401918947696686},{"word":"to","start":1488.64,"end":1488.7999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11098197102546692},{"word":"what","start":1488.7999,"end":1488.96,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08475205302238464},{"word":"it","start":1488.96,"end":1489.12,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07679597288370132},{"word":"was","start":1489.12,"end":1489.44,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05009216070175171},{"word":"prior","start":1489.44,"end":1489.84,"confidence":1.0,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.015747904777526855},{"word":"to","start":1489.84,"end":1490.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01054692268371582},{"word":"you","start":1490.08,"end":1490.24,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0004341080784797669},{"word":"being","start":1490.24,"end":1490.5599,"confidence":0.9892578,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.00895284116268158},{"word":"off","start":1490.5599,"end":1490.72,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03815492242574692},{"word":"work","start":1490.72,"end":1491.2,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06258034706115723},{"word":"due","start":1491.2,"end":1491.44,"confidence":0.9873047,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.049446552991867065},{"word":"to","start":1491.44,"end":1491.52,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015056639909744264},{"word":"your","start":1491.52,"end":1491.6799,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.020216643810272217},{"word":"injury","start":1491.6799,"end":1492.08,"confidence":0.99902344,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.0006483197212219238},{"word":"there","start":1492.08,"end":1492.58,"confidence":0.9362793,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0262138731777668},{"word":"so","start":1493.0399,"end":1493.2,"confidence":0.87060547,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1600976288318634},{"word":"essentially","start":1493.2,"end":1493.6799,"confidence":0.99853516,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.11262494325637816},{"word":"looking","start":1493.6799,"end":1493.9199,"confidence":0.95166016,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10379686951637268},{"word":"at","start":1493.9199,"end":1494.08,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08225613832473755},{"word":"pre","start":1494.08,"end":1494.32,"confidence":0.5678711,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.09655599296092988},{"word":"disability","start":1494.32,"end":1494.82,"confidence":0.9980469,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.05583972856402397},{"word":"income","start":1494.96,"end":1495.44,"confidence":0.95825195,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.12571924924850464},{"word":"so","start":1495.44,"end":1495.6799,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2111730724573135},{"word":"with","start":1495.6799,"end":1495.84,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28025245666503906},{"word":"the","start":1495.84,"end":1496.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2754240036010742},{"word":"payslip","start":1496.0,"end":1496.4,"confidence":0.7400716,"punctuated_word":"payslip,","sentiment":"neutral","sentiment_score":0.2798464894294739},{"word":"we","start":1496.4,"end":1496.5599,"confidence":0.9892578,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3696671724319458},{"word":"were","start":1496.5599,"end":1496.72,"confidence":0.98828125,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.4434744119644165},{"word":"able","start":1496.72,"end":1496.96,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4507327377796173},{"word":"to","start":1496.96,"end":1497.12,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.455290287733078},{"word":"go","start":1497.12,"end":1497.28,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4450925886631012},{"word":"back","start":1497.28,"end":1497.44,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.44553324580192566},{"word":"and","start":1497.44,"end":1497.6799,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4827294945716858},{"word":"have","start":1497.6799,"end":1497.84,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4465417265892029},{"word":"a","start":1497.84,"end":1497.9199,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.37459683418273926},{"word":"really","start":1497.9199,"end":1498.24,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.45079442858695984},{"word":"good","start":1498.24,"end":1498.4,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4062688946723938},{"word":"look","start":1498.4,"end":1498.695,"confidence":0.9807129,"punctuated_word":"look.","sentiment":"positive","sentiment_score":0.3498551845550537},{"word":"essentially","start":1499.815,"end":1500.315,"confidence":0.9746094,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.201696515083313},{"word":"what","start":1500.375,"end":1500.455,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2356438189744949},{"word":"we're","start":1500.455,"end":1500.615,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.25285568833351135},{"word":"gonna","start":1500.615,"end":1500.855,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2834094762802124},{"word":"be","start":1500.855,"end":1501.0149,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2645685374736786},{"word":"able","start":1501.0149,"end":1501.255,"confidence":0.9506836,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.29525303840637207},{"word":"to","start":1501.255,"end":1501.335,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2849314510822296},{"word":"do","start":1501.335,"end":1501.575,"confidence":0.7338867,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2440895438194275},{"word":"because","start":1501.575,"end":1501.815,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2308125197887421},{"word":"your","start":1501.815,"end":1501.975,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2829166650772095},{"word":"balance","start":1501.975,"end":1502.2949,"confidence":0.99316406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.20809538662433624},{"word":"is","start":1502.2949,"end":1502.375,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28778737783432007},{"word":"a","start":1502.375,"end":1502.455,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2508040964603424},{"word":"little","start":1502.455,"end":1502.695,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12518708407878876},{"word":"bit","start":1502.695,"end":1502.855,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13512617349624634},{"word":"higher","start":1502.855,"end":1503.255,"confidence":0.99609375,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":0.20397904515266416},{"word":"we're","start":1503.255,"end":1503.495,"confidence":0.9946289,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2784389555454254},{"word":"gonna","start":1503.495,"end":1503.815,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.3023257255554199},{"word":"roll","start":1503.815,"end":1504.0549,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.29675960540771484},{"word":"a","start":1504.0549,"end":1504.215,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21255499124526975},{"word":"$186,007.59","start":1504.215,"end":1507.0149,"confidence":0.99959314,"punctuated_word":"$186,007.59","sentiment":"neutral","sentiment_score":0.1859983503818512},{"word":"into","start":1507.0149,"end":1507.5149,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1899860203266144},{"word":"the","start":1507.8949,"end":1508.0549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.196072056889534},{"word":"hub","start":1508.0549,"end":1508.375,"confidence":0.6879883,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.20227354764938352},{"word":"24","start":1508.375,"end":1509.195,"confidence":0.99316406,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.20106241106987},{"word":"pcr","start":1510.0549,"end":1510.5549,"confidence":0.26342773,"punctuated_word":"PCR","sentiment":"neutral","sentiment_score":0.1893560141324997},{"word":"pension","start":1510.615,"end":1511.0149,"confidence":0.9921875,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.16016483306884766},{"word":"account","start":1511.0149,"end":1511.4149,"confidence":0.88427734,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.20904389023780823},{"word":"the","start":1511.4149,"end":1511.6549,"confidence":0.7836914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25229746103286743},{"word":"transition","start":1511.6549,"end":1512.1349,"confidence":0.93603516,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.2454201877117157},{"word":"to","start":1512.1349,"end":1512.2949,"confidence":0.7583008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18885935842990875},{"word":"retirement","start":1512.2949,"end":1512.695,"confidence":0.9921875,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.17672094702720642},{"word":"pension","start":1512.695,"end":1513.1749,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1768738031387329},{"word":"account","start":1513.1749,"end":1513.6749,"confidence":0.8598633,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.2155379056930542},{"word":"and","start":1513.87,"end":1514.0299,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2479647547006607},{"word":"that'll","start":1514.0299,"end":1514.27,"confidence":0.97314453,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.24700585007667544},{"word":"retain","start":1514.27,"end":1514.75,"confidence":0.97802734,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.20235475897789},{"word":"about","start":1514.75,"end":1514.99,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15168604254722595},{"word":"a","start":1514.99,"end":1515.1499,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19314199686050415},{"word":"123,500","start":1515.1499,"end":1517.1499,"confidence":0.9988839,"punctuated_word":"123,500","sentiment":"neutral","sentiment_score":0.17467060685157776},{"word":"in","start":1517.1499,"end":1517.3099,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16251063346862793},{"word":"the","start":1517.3099,"end":1517.5499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14654433727264404},{"word":"accumulation","start":1517.5499,"end":1518.0499,"confidence":0.99316406,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.16573011875152588},{"word":"side","start":1518.35,"end":1518.59,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14683829247951508},{"word":"of","start":1518.59,"end":1518.75,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1441771537065506},{"word":"things","start":1518.75,"end":1519.07,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14439813792705536},{"word":"there","start":1519.07,"end":1519.57,"confidence":0.9885254,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11105743050575256},{"word":"to","start":1520.9099,"end":1521.1499,"confidence":0.87890625,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.05947243422269821},{"word":"have","start":1521.1499,"end":1521.39,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0711413323879242},{"word":"a","start":1521.39,"end":1521.47,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04193786904215813},{"word":"really","start":1521.47,"end":1521.71,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12932321429252625},{"word":"good","start":1521.71,"end":1521.87,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1555292308330536},{"word":"look","start":1521.87,"end":1522.19,"confidence":0.8574219,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.14285126328468323},{"word":"when","start":1522.19,"end":1522.35,"confidence":0.9863281,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12165361642837524},{"word":"we","start":1522.35,"end":1522.51,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0734555646777153},{"word":"had","start":1522.51,"end":1522.6699,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.08782762289047241},{"word":"a","start":1522.6699,"end":1522.75,"confidence":0.9140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07125205546617508},{"word":"look","start":1522.75,"end":1522.99,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.006859332323074341},{"word":"at","start":1522.99,"end":1523.07,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.019015692174434665},{"word":"your","start":1523.07,"end":1523.3099,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019275926053524017},{"word":"pace","start":1523.3099,"end":1523.71,"confidence":0.42834473,"punctuated_word":"pace,","sentiment":"neutral","sentiment_score":0.017863817512989044},{"word":"because","start":1523.71,"end":1524.11,"confidence":0.2932129,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.013225272297859192},{"word":"you","start":1524.11,"end":1524.35,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02283206582069397},{"word":"are","start":1524.35,"end":1524.6699,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.010806463658809662},{"word":"already","start":1524.6699,"end":1525.1499,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.04730670899152756},{"word":"salary","start":1525.1499,"end":1525.63,"confidence":0.9970703,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.10372865200042725},{"word":"sacrificing","start":1525.63,"end":1526.13,"confidence":0.9970703,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.08568999171257019},{"word":"and","start":1526.27,"end":1526.51,"confidence":0.77685547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07203590869903564},{"word":"you","start":1526.51,"end":1526.6699,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05530059337615967},{"word":"do","start":1526.6699,"end":1526.9099,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012412801384925842},{"word":"have","start":1526.9099,"end":1527.07,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.016187019646167755},{"word":"some","start":1527.07,"end":1527.0747,"confidence":0.9580078,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0770103931427002},{"word":"post","start":1527.0747,"end":1527.0793,"confidence":0.95410156,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.07481241226196289},{"word":"tax","start":1527.0793,"end":1527.0841,"confidence":0.89501953,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.024194985628128052},{"word":"deductions","start":1527.0841,"end":1527.0887,"confidence":0.9580078,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":-0.03155788779258728},{"word":"as","start":1527.0887,"end":1527.0935,"confidence":0.50390625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08081133663654327},{"word":"well","start":1527.0935,"end":1527.0981,"confidence":0.74243164,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.06429879367351532},{"word":"we've","start":1527.0981,"end":1527.1029,"confidence":0.79418945,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.08334387838840485},{"word":"sort","start":1527.1029,"end":1527.1075,"confidence":0.7963867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10275763273239136},{"word":"of","start":1527.1075,"end":1527.1123,"confidence":0.8413086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09638703614473344},{"word":"had","start":1527.1123,"end":1527.117,"confidence":0.82910156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07684467732906342},{"word":"to","start":1527.117,"end":1527.1217,"confidence":0.8339844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06873899698257446},{"word":"minus","start":1527.1217,"end":1527.1263,"confidence":0.70410156,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.07489502429962158},{"word":"those","start":1527.1263,"end":1527.1311,"confidence":0.82714844,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.1382664442062378},{"word":"off","start":1527.1311,"end":1527.1357,"confidence":0.87402344,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.07959821820259094},{"word":"so","start":1527.1357,"end":1527.1405,"confidence":0.9370117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.028202079236507416},{"word":"we've","start":1527.1405,"end":1527.1451,"confidence":0.89575195,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.022854462265968323},{"word":"looked","start":1527.1451,"end":1527.1499,"confidence":0.7783203,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.03860373795032501},{"word":"at","start":1527.1499,"end":1527.3999,"confidence":0.8964844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05898772180080414},{"word":"a","start":1527.3999,"end":1527.8999,"confidence":0.7158203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02852802351117134},{"word":"as","start":1530.205,"end":1530.405,"confidence":0.62939453,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.027700185775756836},{"word":"well","start":1530.405,"end":1530.605,"confidence":0.73291016,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.011117352172732351},{"word":"we've","start":1530.605,"end":1530.8049,"confidence":0.8703613,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.03850722685456276},{"word":"sort","start":1530.8049,"end":1531.005,"confidence":0.7988281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09292013943195344},{"word":"of","start":1531.005,"end":1531.205,"confidence":0.8833008,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07545129954814911},{"word":"had","start":1531.205,"end":1531.4049,"confidence":0.9003906,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07661263644695282},{"word":"to","start":1531.4049,"end":1531.645,"confidence":0.88671875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06132432073354721},{"word":"minus","start":1531.645,"end":1531.965,"confidence":0.5776367,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.07876738905906677},{"word":"those","start":1531.965,"end":1532.2849,"confidence":0.8354492,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.12204129993915558},{"word":"off","start":1532.2849,"end":1532.445,"confidence":0.7426758,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.0905267745256424},{"word":"so","start":1532.445,"end":1532.605,"confidence":0.87841797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03350192680954933},{"word":"we've","start":1532.605,"end":1532.6849,"confidence":0.9033203,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.026140302419662476},{"word":"looked","start":1532.6849,"end":1533.005,"confidence":0.9013672,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.049842722713947296},{"word":"at","start":1533.005,"end":1533.1649,"confidence":0.75512695,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.03931194916367531},{"word":"essentially","start":1533.1649,"end":1533.6649,"confidence":0.92041016,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.01846441440284252},{"word":"what","start":1534.445,"end":1534.605,"confidence":0.58935547,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03204457089304924},{"word":"your","start":1534.605,"end":1535.005,"confidence":0.81933594,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05167360603809357},{"word":"income","start":1535.005,"end":1535.505,"confidence":0.83447266,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.05703171342611313},{"word":"was","start":1535.605,"end":1536.105,"confidence":0.84350586,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.04464269429445267},{"word":"so","start":1536.205,"end":1536.325,"confidence":0.83740234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0047120340168476105},{"word":"what","start":1536.325,"end":1536.445,"confidence":0.8183594,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.025771502405405045},{"word":"we've","start":1536.445,"end":1536.945,"confidence":0.9362793,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.01925819180905819},{"word":"used","start":1537.565,"end":1537.885,"confidence":0.9111328,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.03990545868873596},{"word":"to","start":1537.885,"end":1538.365,"confidence":0.87841797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027975350618362427},{"word":"get","start":1538.365,"end":1538.445,"confidence":0.8935547,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.024434968829154968},{"word":"the","start":1538.445,"end":1538.605,"confidence":0.87841797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019369252026081085},{"word":"figure","start":1538.605,"end":1538.9249,"confidence":0.89453125,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.015605103224515917},{"word":"in","start":1538.9249,"end":1539.085,"confidence":0.8671875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014361053705215454},{"word":"the","start":1539.085,"end":1539.1649,"confidence":0.89208984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01006004586815834},{"word":"proposed","start":1539.1649,"end":1539.645,"confidence":0.5500488,"punctuated_word":"proposed,","sentiment":"neutral","sentiment_score":-0.005785372108221054},{"word":"the","start":1539.645,"end":1539.885,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02625036984682083},{"word":"current","start":1539.885,"end":1540.205,"confidence":0.810791,"punctuated_word":"current,","sentiment":"neutral","sentiment_score":-0.033370669931173325},{"word":"basically","start":1540.205,"end":1540.705,"confidence":0.94140625,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.011797197163105013},{"word":"what","start":1540.765,"end":1540.9249,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03690565377473831},{"word":"you've","start":1540.9249,"end":1541.1649,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.05702756345272064},{"word":"been","start":1541.1649,"end":1541.4049,"confidence":0.99121094,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07349090278148651},{"word":"getting","start":1541.4049,"end":1541.9049,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.06504475325345993},{"word":"over","start":1542.1,"end":1542.34,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.07712265104055405},{"word":"the","start":1542.34,"end":1542.4199,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0737282782793045},{"word":"last","start":1542.4199,"end":1542.82,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.062393590807914734},{"word":"couple","start":1542.82,"end":1543.0599,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.10334005951881409},{"word":"of","start":1543.0599,"end":1543.22,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08706124126911163},{"word":"months","start":1543.22,"end":1543.5399,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.09419825673103333},{"word":"with","start":1543.5399,"end":1543.7799,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1046283394098282},{"word":"the","start":1543.7799,"end":1544.1,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10629968345165253},{"word":"reduction","start":1544.1,"end":1544.6,"confidence":0.99902344,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":-0.11971469223499298},{"word":"in","start":1544.74,"end":1544.98,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13449949026107788},{"word":"your","start":1544.98,"end":1545.2999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1359456181526184},{"word":"wages","start":1545.2999,"end":1545.7799,"confidence":0.9970703,"punctuated_word":"wages","sentiment":"neutral","sentiment_score":-0.1841181069612503},{"word":"there","start":1545.7799,"end":1546.1,"confidence":0.7487793,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.07828497886657715},{"word":"so","start":1546.1,"end":1546.2599,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0019428245723247528},{"word":"that's","start":1546.2599,"end":1546.58,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.005803899373859167},{"word":"just","start":1546.58,"end":1546.82,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.006797850131988525},{"word":"the","start":1546.82,"end":1546.98,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017564699053764343},{"word":"current","start":1546.98,"end":1547.3799,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.022896498441696167},{"word":"position","start":1547.3799,"end":1547.86,"confidence":0.9975586,"punctuated_word":"position.","sentiment":"neutral","sentiment_score":-0.02803090214729309},{"word":"we're","start":1547.86,"end":1548.0199,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.005416959524154663},{"word":"sort","start":1548.0199,"end":1548.1799,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.011495068669319153},{"word":"of","start":1548.1799,"end":1548.4199,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03090706467628479},{"word":"not","start":1548.4199,"end":1548.5,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.058008819818496704},{"word":"really","start":1548.5,"end":1548.74,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1642887443304062},{"word":"worried","start":1548.74,"end":1549.0599,"confidence":0.99902344,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.20429940521717072},{"word":"about","start":1549.0599,"end":1549.2999,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1981296539306641},{"word":"that","start":1549.2999,"end":1549.46,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.263563334941864},{"word":"at","start":1549.46,"end":1549.5399,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09104667603969574},{"word":"the","start":1549.5399,"end":1549.7,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030331462621688843},{"word":"moment","start":1549.7,"end":1550.0199,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.057923078536987305},{"word":"because","start":1550.0199,"end":1550.2599,"confidence":0.8183594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.036011919379234314},{"word":"we're","start":1550.2599,"end":1550.5,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08076751232147217},{"word":"working","start":1550.5,"end":1550.74,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.14627259969711304},{"word":"on","start":1550.74,"end":1550.8999,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1444089114665985},{"word":"the","start":1550.8999,"end":1551.0599,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17000886797904968},{"word":"proposed","start":1551.0599,"end":1551.46,"confidence":0.9951172,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.17352592945098877},{"word":"side","start":1551.46,"end":1551.62,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.23206236958503723},{"word":"of","start":1551.62,"end":1551.7799,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.249598890542984},{"word":"things","start":1551.7799,"end":1552.2799,"confidence":0.96435547,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.12950176000595093},{"word":"but","start":1553.0599,"end":1553.22,"confidence":0.8642578,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.11990684270858765},{"word":"essentially","start":1553.22,"end":1553.72,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.08552570641040802},{"word":"to","start":1554.115,"end":1554.355,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1352204978466034},{"word":"get","start":1554.355,"end":1554.595,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1548348218202591},{"word":"your","start":1554.595,"end":1555.095,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16389012336730957},{"word":"base","start":1555.315,"end":1555.715,"confidence":0.9472656,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.16020971536636353},{"word":"salary","start":1555.715,"end":1556.215,"confidence":0.99853516,"punctuated_word":"salary,","sentiment":"neutral","sentiment_score":0.1335904598236084},{"word":"we","start":1556.595,"end":1556.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13884025812149048},{"word":"went","start":1556.755,"end":1557.075,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.189866840839386},{"word":"off","start":1557.075,"end":1557.3949,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.13172592222690582},{"word":"your","start":1557.3949,"end":1557.715,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12272737920284273},{"word":"earnings","start":1557.715,"end":1558.195,"confidence":0.9892578,"punctuated_word":"earnings","sentiment":"neutral","sentiment_score":0.10474492609500884},{"word":"minus","start":1558.195,"end":1558.595,"confidence":0.96240234,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.08203702419996262},{"word":"the","start":1558.595,"end":1558.755,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04856865853071213},{"word":"deductions","start":1558.755,"end":1559.235,"confidence":0.9970703,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":0.025988422334194183},{"word":"and","start":1559.235,"end":1559.475,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.018099769949913025},{"word":"salary","start":1559.475,"end":1559.955,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.011174991726875303},{"word":"sacrifice","start":1559.955,"end":1560.4349,"confidence":0.7397461,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":0.045813292264938354},{"word":"so","start":1560.4349,"end":1560.6749,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11512365937232973},{"word":"we","start":1560.6749,"end":1560.995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1245998591184616},{"word":"minus","start":1560.995,"end":1561.475,"confidence":0.7402344,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.1285412609577179},{"word":"off","start":1561.475,"end":1561.635,"confidence":0.96533203,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.11049723625183104},{"word":"the","start":1561.635,"end":1561.7949,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13323213160037994},{"word":"salary","start":1561.7949,"end":1562.195,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.02840675413608551},{"word":"sacrifice","start":1562.195,"end":1562.695,"confidence":0.9941406,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.026776254177093502},{"word":"you're","start":1562.755,"end":1562.995,"confidence":0.9848633,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19221584498882296},{"word":"already","start":1562.995,"end":1563.315,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2666902542114258},{"word":"making","start":1563.315,"end":1563.715,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.18083903193473816},{"word":"and","start":1563.715,"end":1563.955,"confidence":0.6635742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1285368800163269},{"word":"any","start":1563.955,"end":1564.2749,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14457327127456665},{"word":"pre","start":1564.2749,"end":1564.515,"confidence":0.984375,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.11980978399515152},{"word":"and","start":1564.515,"end":1564.6749,"confidence":0.7963867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.042963653802871704},{"word":"post","start":1564.6749,"end":1564.995,"confidence":0.99902344,"punctuated_word":"post","sentiment":"neutral","sentiment_score":-0.007985375821590424},{"word":"tax","start":1564.995,"end":1565.315,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11891204118728638},{"word":"deductions","start":1565.315,"end":1565.815,"confidence":0.8725586,"punctuated_word":"deductions,","sentiment":"neutral","sentiment_score":0.11334745585918428},{"word":"and","start":1566.42,"end":1566.66,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19101038575172424},{"word":"that","start":1566.66,"end":1566.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1984306126832962},{"word":"gave","start":1566.9,"end":1567.14,"confidence":1.0,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.1822371631860733},{"word":"us","start":1567.14,"end":1567.64,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.23171797394752505},{"word":"and","start":1568.26,"end":1568.5,"confidence":0.6298828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2875192165374756},{"word":"that","start":1568.5,"end":1568.7401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23831799626350403},{"word":"gave","start":1568.7401,"end":1568.9,"confidence":1.0,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.20113524794578552},{"word":"us","start":1568.9,"end":1569.2201,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2298840582370758},{"word":"essentially","start":1569.2201,"end":1569.62,"confidence":0.7207031,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.23281511664390564},{"word":"what","start":1569.62,"end":1569.8601,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.309353232383728},{"word":"your","start":1569.8601,"end":1570.1001,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29644349217414856},{"word":"net","start":1570.1001,"end":1570.3401,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.27075904607772827},{"word":"income","start":1570.3401,"end":1570.7401,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.24969482421875},{"word":"was","start":1570.7401,"end":1571.06,"confidence":0.9951172,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.1871600896120071},{"word":"so","start":1571.06,"end":1571.4601,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19213126599788663},{"word":"we","start":1571.4601,"end":1571.7001,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22530841827392575},{"word":"were","start":1571.7001,"end":1571.8601,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.28032246232032776},{"word":"able","start":1571.8601,"end":1572.02,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.30832749605178833},{"word":"to","start":1572.02,"end":1572.18,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21932607889175415},{"word":"look","start":1572.18,"end":1572.3401,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2037955671548843},{"word":"at","start":1572.3401,"end":1572.5801,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17882047593593595},{"word":"your","start":1572.5801,"end":1572.8201,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19933649897575376},{"word":"base","start":1572.8201,"end":1573.06,"confidence":0.9980469,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.16875380277633667},{"word":"salary","start":1573.06,"end":1573.54,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.17131920158863068},{"word":"is","start":1573.54,"end":1573.78,"confidence":0.6040039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17974121868610382},{"word":"about","start":1573.78,"end":1574.1001,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16961243748664856},{"word":"$75,006.55","start":1574.1001,"end":1576.42,"confidence":0.998291,"punctuated_word":"$75,006.55","sentiment":"neutral","sentiment_score":0.15179364383220673},{"word":"pre","start":1576.42,"end":1576.7401,"confidence":0.6665039,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.17394867539405823},{"word":"disability","start":1576.7401,"end":1577.2401,"confidence":0.9916992,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":0.08891560137271881},{"word":"you're","start":1577.9401,"end":1578.18,"confidence":0.95166016,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14974775910377502},{"word":"already","start":1578.18,"end":1578.5,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.23479828238487244},{"word":"making","start":1578.5,"end":1578.8201,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.22050847113132477},{"word":"salary","start":1578.8201,"end":1579.3,"confidence":0.9892578,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.11953402310609818},{"word":"sacrifice","start":1579.3,"end":1579.8,"confidence":0.9790039,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.1346888691186905},{"word":"contributions","start":1579.8601,"end":1580.3601,"confidence":0.9941406,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2283647656440735},{"word":"of","start":1580.5801,"end":1580.8201,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21065384149551392},{"word":"$55,200","start":1580.8201,"end":1582.905,"confidence":0.9689331,"punctuated_word":"$55,200","sentiment":"neutral","sentiment_score":0.21505951881408691},{"word":"for","start":1582.905,"end":1583.065,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15452376008033752},{"word":"the","start":1583.065,"end":1583.225,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1660384237766266},{"word":"year","start":1583.225,"end":1583.5449,"confidence":0.8898926,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.15893633663654327},{"word":"so","start":1583.5449,"end":1583.705,"confidence":0.9863281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10887065529823305},{"word":"a","start":1583.705,"end":1583.785,"confidence":0.9580078,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15404212474822998},{"word":"$100","start":1583.785,"end":1584.345,"confidence":1.0,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.19389590620994568},{"word":"on","start":1584.345,"end":1584.4249,"confidence":0.8671875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.200622096657753},{"word":"a","start":1584.4249,"end":1584.585,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17762896418571472},{"word":"weekly","start":1584.585,"end":1584.905,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.12171918153762816},{"word":"basis","start":1584.905,"end":1585.405,"confidence":0.9980469,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.14944924414157867},{"word":"we're","start":1585.945,"end":1586.1849,"confidence":0.9736328,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.19541876018047333},{"word":"gonna","start":1586.1849,"end":1586.505,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.24268785119056704},{"word":"increase","start":1586.505,"end":1586.985,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.1919165700674057},{"word":"those","start":1586.985,"end":1587.385,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2490219622850418},{"word":"up","start":1587.385,"end":1587.625,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1648654043674469},{"word":"to","start":1587.625,"end":1587.785,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14303651452064514},{"word":"$15,007.03","start":1587.785,"end":1589.5449,"confidence":0.9977213,"punctuated_word":"$15,007.03","sentiment":"neutral","sentiment_score":0.15968145430088043},{"word":"9","start":1589.5449,"end":1589.785,"confidence":0.8166504,"punctuated_word":"9.","sentiment":"neutral","sentiment_score":0.13137021660804749},{"word":"so","start":1589.785,"end":1590.025,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1828482151031494},{"word":"it","start":1590.025,"end":1590.105,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25032684206962585},{"word":"works","start":1590.105,"end":1590.4249,"confidence":0.9941406,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.3327469527721405},{"word":"out","start":1590.4249,"end":1590.585,"confidence":0.890625,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.312248557806015},{"word":"from","start":1590.585,"end":1590.825,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27525413036346436},{"word":"a","start":1590.825,"end":1590.985,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29791563749313354},{"word":"$100","start":1590.985,"end":1591.625,"confidence":0.9995117,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.29109513759613037},{"word":"per","start":1591.625,"end":1591.945,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.22772645950317383},{"word":"week","start":1591.945,"end":1592.4249,"confidence":0.9770508,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.22346706688404083},{"word":"we","start":1592.4249,"end":1592.585,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.29422441124916077},{"word":"increase","start":1592.585,"end":1592.985,"confidence":0.90771484,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.3701607286930084},{"word":"your","start":1592.985,"end":1593.225,"confidence":0.9633789,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3831605315208435},{"word":"salary","start":1593.225,"end":1593.705,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.2504242956638336},{"word":"sacrifice","start":1593.705,"end":1594.1849,"confidence":0.98535156,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.2997171878814697},{"word":"to","start":1594.1849,"end":1594.4249,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35796278715133667},{"word":"$302.67","start":1594.4249,"end":1596.345,"confidence":0.9925944,"punctuated_word":"$302.67","sentiment":"neutral","sentiment_score":0.3256909251213074},{"word":"per","start":1596.345,"end":1596.585,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.26111069321632385},{"word":"week","start":1596.585,"end":1597.02,"confidence":0.75390625,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.26059064269065857},{"word":"and","start":1597.8201,"end":1598.06,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26404863595962524},{"word":"then","start":1598.06,"end":1598.56,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18393640220165253},{"word":"you've","start":1598.62,"end":1598.86,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.24884483218193057},{"word":"got","start":1598.86,"end":1599.02,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.258414626121521},{"word":"your","start":1599.02,"end":1599.26,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2193601131439209},{"word":"salary","start":1599.26,"end":1599.66,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.16200533509254456},{"word":"packaging","start":1599.66,"end":1600.16,"confidence":0.92871094,"punctuated_word":"packaging,","sentiment":"neutral","sentiment_score":0.20316174626350403},{"word":"and","start":1600.78,"end":1601.02,"confidence":0.55810547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24740299582481384},{"word":"you've","start":1601.02,"end":1601.26,"confidence":0.9914551,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.25542041659355164},{"word":"already","start":1601.26,"end":1601.5,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.3107295036315918},{"word":"got","start":1601.5,"end":1601.74,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2487716972827911},{"word":"some","start":1601.74,"end":1602.22,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18125540018081665},{"word":"your","start":1602.3,"end":1602.54,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1883859783411026},{"word":"tax","start":1602.54,"end":1602.86,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.19381816685199735},{"word":"there","start":1602.86,"end":1603.18,"confidence":0.76464844,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.19194597005844116},{"word":"and","start":1603.18,"end":1603.34,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2240314781665802},{"word":"you've","start":1603.34,"end":1603.5,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2548481822013855},{"word":"already","start":1603.5,"end":1603.8201,"confidence":0.75341797,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2785126268863678},{"word":"got","start":1603.8201,"end":1604.14,"confidence":0.60009766,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2682153880596161},{"word":"some","start":1604.14,"end":1604.38,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1937345266342163},{"word":"post","start":1604.38,"end":1604.78,"confidence":0.9838867,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.11464238911867142},{"word":"tax","start":1604.78,"end":1605.18,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12760862708091736},{"word":"deductibles","start":1605.18,"end":1605.68,"confidence":0.9362793,"punctuated_word":"deductibles","sentiment":"neutral","sentiment_score":0.2010430544614792},{"word":"that","start":1605.74,"end":1605.9,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22353139519691467},{"word":"are","start":1605.9,"end":1606.06,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18426863849163055},{"word":"coming","start":1606.06,"end":1606.3,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1929495334625244},{"word":"out","start":1606.3,"end":1606.46,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16453075408935547},{"word":"of","start":1606.46,"end":1606.62,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1561795473098755},{"word":"your","start":1606.62,"end":1606.86,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13755345344543457},{"word":"income","start":1606.86,"end":1607.26,"confidence":0.8161621,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.13292619585990906},{"word":"so","start":1607.26,"end":1607.42,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16274544596672058},{"word":"we","start":1607.42,"end":1607.5801,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1629592776298523},{"word":"keep","start":1607.5801,"end":1607.8201,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.19742417335510257},{"word":"minusing","start":1607.8201,"end":1608.3201,"confidence":0.9777832,"punctuated_word":"minusing","sentiment":"neutral","sentiment_score":0.20361801981925964},{"word":"those","start":1608.38,"end":1608.7001,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.19758552312850952},{"word":"off","start":1608.7001,"end":1609.035,"confidence":0.9445801,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.1471758782863617},{"word":"and","start":1609.435,"end":1609.515,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21487998962402344},{"word":"that","start":1609.515,"end":1609.8351,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22763660550117493},{"word":"gives","start":1609.8351,"end":1610.155,"confidence":1.0,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.20021140575408936},{"word":"us","start":1610.155,"end":1610.395,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.22415490448474884},{"word":"your","start":1610.395,"end":1610.7151,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2904108166694641},{"word":"net","start":1610.7151,"end":1611.115,"confidence":0.9970703,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.29320091009140015},{"word":"employment","start":1611.115,"end":1611.615,"confidence":0.99902344,"punctuated_word":"employment","sentiment":"neutral","sentiment_score":0.23469069600105288},{"word":"income","start":1611.675,"end":1611.995,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3512369990348816},{"word":"of","start":1611.995,"end":1612.155,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22647972404956815},{"word":"about","start":1612.155,"end":1612.475,"confidence":0.8959961,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21697673201560977},{"word":"$32,008.07","start":1612.475,"end":1614.235,"confidence":0.99035645,"punctuated_word":"$32,008.07","sentiment":"neutral","sentiment_score":0.20427249372005463},{"word":"3","start":1614.235,"end":1614.735,"confidence":0.9758301,"punctuated_word":"3.","sentiment":"neutral","sentiment_score":0.1671086847782135},{"word":"to","start":1615.355,"end":1615.675,"confidence":0.6801758,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.18119874596595764},{"word":"kinda","start":1615.675,"end":1615.995,"confidence":0.9921875,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2019158750772476},{"word":"get","start":1615.995,"end":1616.155,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23740582168102264},{"word":"you","start":1616.155,"end":1616.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2425429075956345},{"word":"back","start":1616.395,"end":1616.635,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.19848087430000305},{"word":"to","start":1616.635,"end":1616.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22046303749084473},{"word":"your","start":1616.795,"end":1617.115,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18873330950737},{"word":"current","start":1617.115,"end":1617.5951,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.20909905433654785},{"word":"take","start":1617.5951,"end":1617.8351,"confidence":0.99121094,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.19840870797634125},{"word":"home","start":1617.8351,"end":1618.0751,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.11308281123638152},{"word":"pay","start":1618.0751,"end":1618.3151,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.1383566856384277},{"word":"or","start":1618.3151,"end":1618.635,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1866031438112259},{"word":"your","start":1618.635,"end":1618.795,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1807829886674881},{"word":"take","start":1618.795,"end":1619.035,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1596352756023407},{"word":"home","start":1619.035,"end":1619.1951,"confidence":0.9980469,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0904468446969986},{"word":"pay","start":1619.1951,"end":1619.435,"confidence":0.99609375,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.14979204535484314},{"word":"pre","start":1619.435,"end":1619.8351,"confidence":0.6972656,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.16320285201072693},{"word":"disability","start":1619.8351,"end":1620.235,"confidence":0.9609375,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":0.1538892686367035},{"word":"which","start":1620.235,"end":1620.475,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.22811460494995117},{"word":"is","start":1620.475,"end":1620.635,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19595229625701904},{"word":"at","start":1620.635,"end":1620.795,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1988404542207718},{"word":"the","start":1620.795,"end":1620.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20930080115795135},{"word":"bottom","start":1620.875,"end":1621.1951,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.19476467370986936},{"word":"there","start":1621.1951,"end":1621.65,"confidence":0.99560547,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.19202899932861328},{"word":"we","start":1621.73,"end":1621.81,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17960411310195923},{"word":"just","start":1621.81,"end":1622.05,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2110111862421036},{"word":"need","start":1622.05,"end":1622.13,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19643300771713257},{"word":"to","start":1622.13,"end":1622.29,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18296313285827637},{"word":"withdraw","start":1622.29,"end":1622.77,"confidence":1.0,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":0.10281918942928314},{"word":"on","start":1622.77,"end":1622.93,"confidence":0.93115234,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1690901666879654},{"word":"a","start":1622.93,"end":1623.01,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20981146395206451},{"word":"yearly","start":1623.01,"end":1623.41,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.17649099230766296},{"word":"basis","start":1623.41,"end":1623.81,"confidence":0.99902344,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.1835551410913467},{"word":"7,470","start":1623.81,"end":1625.91,"confidence":0.9914551,"punctuated_word":"7,470","sentiment":"neutral","sentiment_score":0.21398386359214783},{"word":"from","start":1625.97,"end":1626.37,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16638067364692688},{"word":"the","start":1626.37,"end":1626.53,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1838664412498474},{"word":"pension","start":1626.53,"end":1627.01,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.10280413180589676},{"word":"account","start":1627.01,"end":1627.51,"confidence":0.9448242,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.14988675713539124},{"word":"which","start":1627.65,"end":1627.89,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.21113421022892},{"word":"works","start":1627.89,"end":1628.13,"confidence":0.99316406,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.2153245210647583},{"word":"out","start":1628.13,"end":1628.29,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1983334124088287},{"word":"to","start":1628.29,"end":1628.37,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21179723739624023},{"word":"be","start":1628.37,"end":1628.61,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20260706543922424},{"word":"about","start":1628.61,"end":1628.85,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18788672983646393},{"word":"a","start":1628.85,"end":1629.01,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19678056240081787},{"word":"$143.65","start":1629.01,"end":1631.01,"confidence":0.9713542,"punctuated_word":"$143.65","sentiment":"neutral","sentiment_score":0.20810161530971527},{"word":"per","start":1631.01,"end":1631.25,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.1533413678407669},{"word":"week","start":1631.25,"end":1631.75,"confidence":0.7529297,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.17048947513103485},{"word":"and","start":1631.81,"end":1632.05,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.251314640045166},{"word":"that","start":1632.05,"end":1632.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24986165761947632},{"word":"brings","start":1632.29,"end":1632.61,"confidence":1.0,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.21279992163181305},{"word":"you","start":1632.61,"end":1632.77,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2588675320148468},{"word":"back","start":1632.77,"end":1632.93,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.25468748807907104},{"word":"to","start":1632.93,"end":1633.09,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22690244019031525},{"word":"the","start":1633.09,"end":1633.25,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28045737743377686},{"word":"$40,003.43","start":1633.25,"end":1634.93,"confidence":0.9907837,"punctuated_word":"$40,003.43,","sentiment":"positive","sentiment_score":0.3375682830810547},{"word":"which","start":1634.93,"end":1635.17,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.32678768038749695},{"word":"is","start":1635.17,"end":1635.3301,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2017782032489777},{"word":"the","start":1635.3301,"end":1635.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23593711853027344},{"word":"net","start":1635.49,"end":1635.81,"confidence":0.9980469,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.3134024441242218},{"word":"take","start":1635.81,"end":1636.05,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.29313015937805176},{"word":"home","start":1636.05,"end":1636.37,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.181486576795578},{"word":"pay","start":1636.37,"end":1636.6901,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.24195854365825653},{"word":"based","start":1636.6901,"end":1637.01,"confidence":0.9970703,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.2859043478965759},{"word":"on","start":1637.01,"end":1637.445,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.264447957277298},{"word":"all","start":1637.5249,"end":1637.6849,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2145293951034546},{"word":"of","start":1637.6849,"end":1637.8049,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.272389680147171},{"word":"the","start":1637.8049,"end":1637.9249,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21557824313640592},{"word":"above","start":1637.9249,"end":1638.4249,"confidence":0.9926758,"punctuated_word":"above.","sentiment":"neutral","sentiment_score":0.1841769814491272},{"word":"does","start":1638.485,"end":1638.725,"confidence":0.9921875,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.13455034792423248},{"word":"that","start":1638.725,"end":1638.965,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19423410296440125},{"word":"make","start":1638.965,"end":1639.125,"confidence":0.82177734,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10812370479106904},{"word":"sense","start":1639.125,"end":1639.625,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.06951847672462463},{"word":"it's","start":1641.365,"end":1641.605,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06476739048957825},{"word":"a","start":1641.605,"end":1641.6849,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03264116868376732},{"word":"lot","start":1641.6849,"end":1641.9249,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.0048832520842552185},{"word":"of","start":1641.9249,"end":1642.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06987971067428589},{"word":"math","start":1642.005,"end":1642.325,"confidence":0.99609375,"punctuated_word":"math.","sentiment":"neutral","sentiment_score":-0.028158001601696014},{"word":"i'm","start":1642.325,"end":1642.485,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15877920389175415},{"word":"so","start":1642.485,"end":1642.725,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.18507730960845947},{"word":"sorry","start":1642.725,"end":1643.225,"confidence":1.0,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.1963557004928589},{"word":"yep","start":1649.7,"end":1650.2,"confidence":0.7661133,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01873280666768551},{"word":"yep","start":1650.5,"end":1651.0,"confidence":0.9562988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08690808713436127},{"word":"yeah","start":1659.5399,"end":1659.94,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11021555215120316},{"word":"yeah","start":1659.94,"end":1660.44,"confidence":0.9399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07431317120790482},{"word":"yeah","start":1663.235,"end":1663.735,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0806659534573555},{"word":"yep","start":1668.995,"end":1669.395,"confidence":0.9291992,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4374535977840424},{"word":"oh","start":1669.395,"end":1669.715,"confidence":0.7973633,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5891616344451904},{"word":"that's","start":1669.715,"end":1670.035,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6627139449119568},{"word":"really","start":1670.035,"end":1670.355,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7468764781951904},{"word":"good","start":1670.355,"end":1670.855,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6589820384979248},{"word":"yeah","start":1671.155,"end":1671.655,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.37394827604293823},{"word":"yeah","start":1672.595,"end":1673.095,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1500624418258667},{"word":"no","start":1673.155,"end":1673.315,"confidence":0.986084,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.034615952521562576},{"word":"that's","start":1673.315,"end":1673.715,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18636518716812137},{"word":"okay","start":1673.715,"end":1674.215,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12583337724208832},{"word":"so","start":1674.62,"end":1674.78,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0993850603699684},{"word":"this","start":1674.78,"end":1674.9401,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14270499348640442},{"word":"is","start":1674.9401,"end":1675.02,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.116726353764534},{"word":"because","start":1675.02,"end":1675.5,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1147773340344429},{"word":"your","start":1675.5,"end":1675.74,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15128850936889648},{"word":"your","start":1675.74,"end":1676.06,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12788832187652588},{"word":"current","start":1676.06,"end":1676.38,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.07712671160697937},{"word":"payslips","start":1676.38,"end":1676.86,"confidence":0.9173177,"punctuated_word":"payslips","sentiment":"neutral","sentiment_score":0.11010189354419708},{"word":"are","start":1676.86,"end":1676.9401,"confidence":0.73876953,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14698827266693115},{"word":"all","start":1676.9401,"end":1677.18,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12952373921871185},{"word":"kind","start":1677.18,"end":1677.42,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06405890733003616},{"word":"of","start":1677.42,"end":1677.5801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11978419125080109},{"word":"got","start":1677.5801,"end":1677.74,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12689314782619476},{"word":"that","start":1677.74,"end":1677.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1379011571407318},{"word":"95%","start":1677.98,"end":1678.9401,"confidence":0.9996745,"punctuated_word":"95%","sentiment":"neutral","sentiment_score":0.1302837431430817},{"word":"because","start":1678.9401,"end":1679.26,"confidence":0.9038086,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08397302776575089},{"word":"you're","start":1679.26,"end":1679.42,"confidence":0.9807129,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09849220514297484},{"word":"still","start":1679.42,"end":1679.92,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.037393368780612946},{"word":"not","start":1680.3,"end":1680.62,"confidence":0.8461914,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.017538100481033325},{"word":"a","start":1680.62,"end":1680.7001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035157155245542526},{"word":"100%","start":1680.7001,"end":1681.3401,"confidence":0.9995117,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.08211369812488556},{"word":"back","start":1681.3401,"end":1681.5801,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.02176172286272049},{"word":"to","start":1681.5801,"end":1681.74,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007524602115154266},{"word":"work","start":1681.74,"end":1681.98,"confidence":0.99853516,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.001243695616722107},{"word":"we've","start":1681.98,"end":1682.2201,"confidence":0.99853516,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.03668715059757233},{"word":"had","start":1682.2201,"end":1682.38,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.044425614178180695},{"word":"to","start":1682.38,"end":1682.54,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09031578153371812},{"word":"kind","start":1682.54,"end":1682.7001,"confidence":0.95410156,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10637664794921876},{"word":"of","start":1682.7001,"end":1682.78,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12921789288520813},{"word":"do","start":1682.78,"end":1682.9401,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07523339241743088},{"word":"the","start":1682.9401,"end":1683.1001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11059480905532836},{"word":"math","start":1683.1001,"end":1683.3401,"confidence":0.9902344,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.12921440601348877},{"word":"and","start":1683.3401,"end":1683.5801,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03538631647825241},{"word":"work","start":1683.5801,"end":1683.8201,"confidence":0.9863281,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06942860037088394},{"word":"out","start":1683.8201,"end":1683.98,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08847396075725555},{"word":"what","start":1683.98,"end":1684.14,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.059106528759002686},{"word":"your","start":1684.14,"end":1684.38,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01853969693183899},{"word":"pre","start":1684.38,"end":1684.7001,"confidence":0.6953125,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":-0.02788139134645462},{"word":"disability","start":1684.7001,"end":1685.2001,"confidence":0.9941406,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.04024789109826088},{"word":"income","start":1685.26,"end":1685.5801,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.044044919312000275},{"word":"was","start":1685.5801,"end":1685.9,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01136396825313568},{"word":"based","start":1685.9,"end":1686.14,"confidence":0.9980469,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.03626098111271858},{"word":"on","start":1686.14,"end":1686.2201,"confidence":0.82958984,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.051982901990413666},{"word":"the","start":1686.2201,"end":1686.38,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030648887157440186},{"word":"payslips","start":1686.38,"end":1686.88,"confidence":0.9710286,"punctuated_word":"payslips","sentiment":"neutral","sentiment_score":0.0287697222083807},{"word":"provided","start":1686.9401,"end":1687.4401,"confidence":0.96191406,"punctuated_word":"provided.","sentiment":"neutral","sentiment_score":0.0646401196718216},{"word":"so","start":1687.5,"end":1687.965,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08617623150348663},{"word":"when","start":1688.2849,"end":1688.445,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04835743084549904},{"word":"you","start":1688.445,"end":1688.605,"confidence":0.9394531,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04458705335855484},{"word":"do","start":1688.605,"end":1688.9249,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05587678402662277},{"word":"happen","start":1688.9249,"end":1689.1649,"confidence":0.99316406,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.029208526015281677},{"word":"to","start":1689.1649,"end":1689.325,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022917453199625015},{"word":"go","start":1689.325,"end":1689.485,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.006058856844902039},{"word":"back","start":1689.485,"end":1689.645,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.012445542961359024},{"word":"to","start":1689.645,"end":1689.8049,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0033971108496189117},{"word":"work","start":1689.8049,"end":1690.125,"confidence":0.98999023,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.02052689716219902},{"word":"if","start":1690.125,"end":1690.2849,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.030826343223452568},{"word":"you","start":1690.2849,"end":1690.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002237275242805481},{"word":"find","start":1690.365,"end":1690.605,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.0002117902040481567},{"word":"there","start":1690.605,"end":1690.765,"confidence":0.68115234,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.000536106526851654},{"word":"is","start":1690.765,"end":1691.005,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04584888368844986},{"word":"any","start":1691.005,"end":1691.245,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.002959661185741425},{"word":"kind","start":1691.245,"end":1691.4049,"confidence":0.9526367,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07429961860179901},{"word":"of","start":1691.4049,"end":1691.645,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.061036430299282074},{"word":"discrepancy","start":1691.645,"end":1692.125,"confidence":0.99902344,"punctuated_word":"discrepancy","sentiment":"neutral","sentiment_score":-0.14069680869579315},{"word":"in","start":1692.125,"end":1692.2849,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18287014961242676},{"word":"your","start":1692.2849,"end":1692.445,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09395072609186172},{"word":"take","start":1692.445,"end":1692.6849,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.08436373621225357},{"word":"home","start":1692.6849,"end":1692.845,"confidence":0.99902344,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.10378225147724152},{"word":"pay","start":1692.845,"end":1693.085,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.134854257106781},{"word":"when","start":1693.085,"end":1693.325,"confidence":0.9428711,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07609432935714722},{"word":"you're","start":1693.325,"end":1693.485,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.062051158398389816},{"word":"back","start":1693.485,"end":1693.645,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.060539018362760544},{"word":"on","start":1693.645,"end":1693.8049,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07345499098300934},{"word":"that","start":1693.8049,"end":1694.0449,"confidence":0.8857422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.061796240508556366},{"word":"full","start":1694.0449,"end":1694.2849,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.03930436074733734},{"word":"time","start":1694.2849,"end":1694.525,"confidence":0.9980469,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.06637943536043167},{"word":"income","start":1694.525,"end":1694.845,"confidence":0.9675293,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.04992571473121643},{"word":"if","start":1694.845,"end":1695.345,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02240060642361641},{"word":"things","start":1695.4049,"end":1695.725,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.12034811824560164},{"word":"change","start":1695.725,"end":1696.0449,"confidence":0.97802734,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1432616412639618},{"word":"a","start":1696.0449,"end":1696.125,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11863651871681212},{"word":"little","start":1696.125,"end":1696.365,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10296288132667542},{"word":"bit","start":1696.365,"end":1696.605,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1378604620695114},{"word":"and","start":1696.605,"end":1696.845,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09243114292621613},{"word":"this","start":1696.845,"end":1697.1649,"confidence":0.99121094,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1312292218208313},{"word":"hasn't","start":1697.1649,"end":1697.565,"confidence":0.99853516,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.06088681519031525},{"word":"quite","start":1697.565,"end":1697.965,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.08022958785295486},{"word":"met","start":1697.965,"end":1698.205,"confidence":0.99609375,"punctuated_word":"met","sentiment":"neutral","sentiment_score":-0.10609730333089828},{"word":"that","start":1698.205,"end":1698.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02038627862930298},{"word":"requirement","start":1698.365,"end":1698.865,"confidence":0.99902344,"punctuated_word":"requirement,","sentiment":"neutral","sentiment_score":-0.02923021838068962},{"word":"let","start":1699.005,"end":1699.245,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0015569105744361875},{"word":"me","start":1699.245,"end":1699.4049,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.006449811160564423},{"word":"know","start":1699.4049,"end":1699.645,"confidence":0.99853516,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.0027333684265613556},{"word":"i","start":1699.645,"end":1699.725,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004204072058200836},{"word":"can","start":1699.725,"end":1699.965,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02886622399091721},{"word":"always","start":1699.965,"end":1700.2849,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.03873832523822784},{"word":"come","start":1700.2849,"end":1700.525,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.016351237893104553},{"word":"back","start":1700.525,"end":1700.91,"confidence":0.9941406,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":-0.014026686549186708},{"word":"reevaluate","start":1701.23,"end":1701.73,"confidence":0.9975586,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":-0.013186948373913763},{"word":"the","start":1701.87,"end":1702.03,"confidence":0.9135742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.016786731779575348},{"word":"math","start":1702.03,"end":1702.35,"confidence":0.9091797,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.031731076538562775},{"word":"a","start":1702.35,"end":1702.43,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02468840405344963},{"word":"little","start":1702.43,"end":1702.67,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03585278242826462},{"word":"bit","start":1702.67,"end":1703.15,"confidence":0.9794922,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.043734610080718994},{"word":"and","start":1703.31,"end":1703.4701,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04462527483701706},{"word":"we","start":1703.4701,"end":1703.63,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04545676335692406},{"word":"can","start":1703.63,"end":1703.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05797524377703667},{"word":"always","start":1703.79,"end":1704.27,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.06139254942536354},{"word":"refresh","start":1704.27,"end":1704.67,"confidence":0.99902344,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.03363870456814766},{"word":"it","start":1704.67,"end":1704.8301,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03774748370051384},{"word":"and","start":1704.8301,"end":1704.99,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014857906848192217},{"word":"move","start":1704.99,"end":1705.23,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.03746015578508377},{"word":"it","start":1705.23,"end":1705.31,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05096941068768501},{"word":"back","start":1705.31,"end":1705.4701,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.005093038082122803},{"word":"in","start":1705.4701,"end":1705.7101,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0029709674417972565},{"word":"and","start":1705.7101,"end":1705.79,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00875202938914299},{"word":"out","start":1705.79,"end":1706.03,"confidence":0.8808594,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.013574616983532906},{"word":"so","start":1706.03,"end":1706.35,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03861675411462784},{"word":"there's","start":1706.35,"end":1706.5901,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.027260299772024155},{"word":"no","start":1706.5901,"end":1706.8301,"confidence":0.9892578,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0278521366417408},{"word":"need","start":1706.8301,"end":1707.0701,"confidence":0.97314453,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.008270464837551117},{"word":"to","start":1707.0701,"end":1707.15,"confidence":0.9013672,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019007772207260132},{"word":"worry","start":1707.15,"end":1707.4701,"confidence":0.9863281,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.0196605920791626},{"word":"there","start":1707.4701,"end":1707.9701,"confidence":0.9248047,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.027452176436781883},{"word":"yeah","start":1708.1901,"end":1708.6901,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06422612816095352},{"word":"nice","start":1725.98,"end":1726.3799,"confidence":0.9472656,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4972155690193176},{"word":"nice","start":1726.3799,"end":1726.8799,"confidence":0.9951172,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4649600684642792},{"word":"yeah","start":1742.215,"end":1742.715,"confidence":0.94262695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09348378330469131},{"word":"yeah","start":1743.575,"end":1744.075,"confidence":0.8847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11371535807847977},{"word":"yeah","start":1745.095,"end":1745.175,"confidence":0.8520508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17135319113731384},{"word":"yeah","start":1745.175,"end":1745.255,"confidence":0.77246094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29473963379859924},{"word":"perfect","start":1745.255,"end":1745.735,"confidence":0.9914551,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5103011131286621},{"word":"well","start":1745.735,"end":1745.975,"confidence":0.9970703,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.22622299194335935},{"word":"if","start":1745.975,"end":1746.135,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2298997938632965},{"word":"it","start":1746.135,"end":1746.215,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20832164585590365},{"word":"does","start":1746.215,"end":1746.535,"confidence":0.83251953,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":0.18257884681224823},{"word":"let","start":1746.535,"end":1746.695,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14602342247962952},{"word":"me","start":1746.695,"end":1746.855,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16519847512245178},{"word":"know","start":1746.855,"end":1747.095,"confidence":0.71643066,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.18119868636131287},{"word":"because","start":1747.095,"end":1747.415,"confidence":0.99609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.10027464479207993},{"word":"as","start":1747.415,"end":1747.575,"confidence":0.81152344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12004678696393968},{"word":"i","start":1747.575,"end":1747.655,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1225878894329071},{"word":"said","start":1747.655,"end":1747.895,"confidence":0.9794922,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.13909263908863068},{"word":"we","start":1747.895,"end":1748.135,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13877712190151217},{"word":"can","start":1748.135,"end":1748.295,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2028179168701172},{"word":"refresh","start":1748.295,"end":1748.795,"confidence":0.99902344,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.14490649104118347},{"word":"these","start":1748.855,"end":1749.095,"confidence":0.9506836,"punctuated_word":"these.","sentiment":"neutral","sentiment_score":0.14880406856536865},{"word":"we","start":1749.095,"end":1749.335,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.18261826038360596},{"word":"can","start":1749.335,"end":1749.495,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2183745950460434},{"word":"always","start":1749.495,"end":1749.995,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.23633961379528048},{"word":"roll","start":1750.5599,"end":1750.88,"confidence":0.95703125,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.18277886509895325},{"word":"you","start":1750.88,"end":1751.2799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21566633880138397},{"word":"with","start":1751.44,"end":1751.6799,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23746736347675323},{"word":"the","start":1751.6799,"end":1751.84,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22700738906860352},{"word":"ttr","start":1751.84,"end":1752.32,"confidence":0.8371582,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.12309689074754716},{"word":"pensions","start":1752.32,"end":1752.64,"confidence":0.68725586,"punctuated_word":"pensions,","sentiment":"neutral","sentiment_score":0.1909901797771454},{"word":"we","start":1752.64,"end":1752.7999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28458043932914734},{"word":"can","start":1752.7999,"end":1752.96,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26343834400177},{"word":"roll","start":1752.96,"end":1753.2,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.16527311503887177},{"word":"back","start":1753.2,"end":1753.44,"confidence":0.9970703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2064945548772812},{"word":"and","start":1753.44,"end":1753.5199,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20669658482074735},{"word":"forth","start":1753.5199,"end":1753.84,"confidence":1.0,"punctuated_word":"forth","sentiment":"neutral","sentiment_score":0.15080010890960693},{"word":"in","start":1753.84,"end":1754.0,"confidence":0.9526367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20257586240768433},{"word":"and","start":1754.0,"end":1754.1599,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2095648348331451},{"word":"out","start":1754.1599,"end":1754.32,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1851206123828888},{"word":"of","start":1754.32,"end":1754.48,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1998288631439209},{"word":"accumulation","start":1754.48,"end":1754.98,"confidence":0.95703125,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.15081575512886047},{"word":"as","start":1755.0399,"end":1755.2799,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24787555634975433},{"word":"much","start":1755.2799,"end":1755.5199,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.248806893825531},{"word":"as","start":1755.5199,"end":1755.6,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26123714447021484},{"word":"we","start":1755.6,"end":1755.76,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2863084375858307},{"word":"need","start":1755.76,"end":1755.9199,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2987268567085266},{"word":"to","start":1755.9199,"end":1756.1599,"confidence":0.86328125,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2805890738964081},{"word":"and","start":1756.1599,"end":1756.3999,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34429341554641724},{"word":"it's","start":1756.3999,"end":1756.64,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.39279139041900635},{"word":"a","start":1756.64,"end":1756.7999,"confidence":0.93408203,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42387449741363525},{"word":"very","start":1756.7999,"end":1757.2799,"confidence":0.9211426,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.4783778190612793},{"word":"very","start":1757.2799,"end":1757.6,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5481526255607605},{"word":"easy","start":1757.6,"end":1757.9199,"confidence":0.99902344,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.557891845703125},{"word":"process","start":1757.9199,"end":1758.3999,"confidence":1.0,"punctuated_word":"process","sentiment":"positive","sentiment_score":0.41265982389450073},{"word":"to","start":1758.3999,"end":1758.5599,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47703444957733154},{"word":"do","start":1758.5599,"end":1758.7999,"confidence":0.9970703,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.32642075419425964},{"word":"so","start":1758.7999,"end":1759.2999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13314227759838104},{"word":"if","start":1759.6,"end":1759.76,"confidence":0.9394531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0802089124917984},{"word":"at","start":1759.76,"end":1759.9199,"confidence":0.88720703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14521825313568115},{"word":"any","start":1759.9199,"end":1760.1599,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.12995097041130066},{"word":"point","start":1760.1599,"end":1760.3999,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.12660497426986694},{"word":"you","start":1760.3999,"end":1760.5599,"confidence":0.9086914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15608112514019012},{"word":"feel","start":1760.5599,"end":1760.7999,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.254368394613266},{"word":"like","start":1760.7999,"end":1760.96,"confidence":0.97314453,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.33989423513412476},{"word":"it's","start":1760.96,"end":1761.12,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3427790105342865},{"word":"not","start":1761.12,"end":1761.36,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.35958942770957947},{"word":"quite","start":1761.36,"end":1761.6,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.43763506412506104},{"word":"meeting","start":1761.6,"end":1761.9199,"confidence":0.8222656,"punctuated_word":"meeting","sentiment":"negative","sentiment_score":-0.47417789697647095},{"word":"it","start":1761.9199,"end":1762.0,"confidence":0.5209961,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.34539276361465454},{"word":"or","start":1762.0,"end":1762.485,"confidence":0.94189453,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.35367557406425476},{"word":"the","start":1762.565,"end":1762.725,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3927925527095794},{"word":"income","start":1762.725,"end":1762.965,"confidence":1.0,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.5746528506278992},{"word":"might","start":1762.965,"end":1763.205,"confidence":1.0,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.34598955512046814},{"word":"be","start":1763.205,"end":1763.445,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4067635536193848},{"word":"off","start":1763.445,"end":1763.6849,"confidence":0.9921875,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.4767301082611084},{"word":"a","start":1763.6849,"end":1763.765,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3699622452259064},{"word":"little","start":1763.765,"end":1764.005,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.3208645284175873},{"word":"bit","start":1764.005,"end":1764.505,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3815920948982239},{"word":"because","start":1764.725,"end":1765.045,"confidence":0.44433594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2859686315059662},{"word":"you","start":1765.045,"end":1765.125,"confidence":0.46801758,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35751813650131226},{"word":"all","start":1765.205,"end":1765.445,"confidence":0.99902344,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.39352911710739136},{"word":"the","start":1765.445,"end":1765.525,"confidence":0.8886719,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3560907244682312},{"word":"all","start":1765.525,"end":1765.6849,"confidence":0.99902344,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.35560399293899536},{"word":"the","start":1765.6849,"end":1765.845,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3260868787765503},{"word":"payslips","start":1765.845,"end":1766.325,"confidence":0.8984375,"punctuated_word":"payslips","sentiment":"negative","sentiment_score":-0.35990965366363525},{"word":"have","start":1766.325,"end":1766.565,"confidence":0.98828125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.24247793853282928},{"word":"got","start":1766.565,"end":1766.725,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.3094485402107239},{"word":"a","start":1766.725,"end":1766.8049,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23511311411857605},{"word":"little","start":1766.8049,"end":1767.045,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2061313688755035},{"word":"bit","start":1767.045,"end":1767.205,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.25385892391204834},{"word":"of","start":1767.205,"end":1767.365,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3049325942993164},{"word":"difference","start":1767.365,"end":1767.6849,"confidence":0.9941406,"punctuated_word":"difference","sentiment":"negative","sentiment_score":-0.35842686891555786},{"word":"in","start":1767.6849,"end":1767.765,"confidence":0.9091797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23850339651107788},{"word":"the","start":1767.765,"end":1767.9249,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19350498914718628},{"word":"income","start":1767.9249,"end":1768.245,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.3057529628276825},{"word":"with","start":1768.245,"end":1768.405,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14339527487754822},{"word":"the","start":1768.405,"end":1768.565,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3177112936973572},{"word":"deductions","start":1768.565,"end":1769.045,"confidence":0.9941406,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":0.29339852929115295},{"word":"going","start":1769.045,"end":1769.365,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.19137471914291385},{"word":"in","start":1769.365,"end":1769.525,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31748121976852417},{"word":"there","start":1769.525,"end":1769.6849,"confidence":0.7609863,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1994966417551041},{"word":"and","start":1769.6849,"end":1769.9249,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22469960153102875},{"word":"because","start":1769.9249,"end":1770.245,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.24690133333206177},{"word":"you've","start":1770.245,"end":1770.405,"confidence":0.83813477,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.35407423973083496},{"word":"been","start":1770.405,"end":1770.905,"confidence":0.8852539,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.395337849855423},{"word":"gradually","start":1770.965,"end":1771.465,"confidence":0.94970703,"punctuated_word":"gradually","sentiment":"positive","sentiment_score":0.47457998991012573},{"word":"getting","start":1771.525,"end":1771.765,"confidence":1.0,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.40291592478752136},{"word":"back","start":1771.765,"end":1771.9249,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3355349600315094},{"word":"up","start":1771.9249,"end":1772.085,"confidence":0.9941406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3273794949054718},{"word":"to","start":1772.085,"end":1772.245,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.394031286239624},{"word":"that","start":1772.245,"end":1772.405,"confidence":0.47143555,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4893121421337128},{"word":"100%","start":1772.405,"end":1773.125,"confidence":0.99194336,"punctuated_word":"100%,","sentiment":"positive","sentiment_score":0.4051584601402282},{"word":"you","start":1773.125,"end":1773.205,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4089423716068268},{"word":"can","start":1773.205,"end":1773.445,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34320369362831116},{"word":"sort","start":1773.445,"end":1773.6849,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3592093586921692},{"word":"of","start":1773.6849,"end":1773.845,"confidence":0.7529297,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39415258169174194},{"word":"see","start":1773.845,"end":1774.345,"confidence":0.97265625,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4236067533493042},{"word":"the","start":1774.8049,"end":1774.965,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32309672236442566},{"word":"difference","start":1774.965,"end":1775.465,"confidence":0.9597168,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.30597570538520813},{"word":"the","start":1775.8,"end":1776.04,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3430774211883545},{"word":"reductions","start":1776.04,"end":1776.52,"confidence":0.9614258,"punctuated_word":"reductions","sentiment":"neutral","sentiment_score":0.17554230988025665},{"word":"of","start":1776.52,"end":1776.68,"confidence":0.74658203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17761696875095367},{"word":"your","start":1776.68,"end":1776.92,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13351145386695862},{"word":"wage","start":1776.92,"end":1777.16,"confidence":0.9770508,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":0.0728563517332077},{"word":"there","start":1777.16,"end":1777.48,"confidence":0.97802734,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17456117272377014},{"word":"so","start":1777.48,"end":1777.64,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1816272139549255},{"word":"we've","start":1777.64,"end":1777.88,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.20542484521865845},{"word":"added","start":1777.88,"end":1778.2001,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.16254070401191711},{"word":"those","start":1778.2001,"end":1778.6,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2928677499294281},{"word":"back","start":1778.6,"end":1778.84,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.245110347867012},{"word":"in","start":1778.84,"end":1779.34,"confidence":0.9025879,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.20719271898269653},{"word":"but","start":1779.48,"end":1779.64,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18730248510837555},{"word":"then","start":1779.64,"end":1779.8,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1871046721935272},{"word":"also","start":1779.8,"end":1780.2001,"confidence":0.91503906,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16551610827445984},{"word":"kept","start":1780.2001,"end":1780.52,"confidence":0.91259766,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":0.1836179345846176},{"word":"the","start":1780.52,"end":1780.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19665713608264923},{"word":"post","start":1780.68,"end":1780.92,"confidence":0.99121094,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.21351303160190585},{"word":"tax","start":1780.92,"end":1781.3201,"confidence":0.98828125,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13271023333072662},{"word":"deductibles","start":1781.3201,"end":1781.8201,"confidence":0.99658203,"punctuated_word":"deductibles","sentiment":"neutral","sentiment_score":0.2077878713607788},{"word":"and","start":1781.96,"end":1782.12,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1889076828956604},{"word":"the","start":1782.12,"end":1782.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17972975969314575},{"word":"pretax","start":1782.36,"end":1782.84,"confidence":0.9152832,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.18338342010974884},{"word":"deductibles","start":1782.84,"end":1783.34,"confidence":0.951416,"punctuated_word":"deductibles","sentiment":"neutral","sentiment_score":0.16667762398719788},{"word":"coming","start":1783.56,"end":1783.88,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.14726302027702332},{"word":"out","start":1783.88,"end":1784.38,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15261995792388916},{"word":"and","start":1784.68,"end":1784.84,"confidence":0.56640625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1597563922405243},{"word":"also","start":1784.84,"end":1785.24,"confidence":0.85253906,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1214752048254013},{"word":"not","start":1785.24,"end":1785.48,"confidence":0.8461914,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13657745718955994},{"word":"factored","start":1785.48,"end":1785.8,"confidence":0.96362305,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.09138654172420502},{"word":"in","start":1785.8,"end":1786.28,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06674607843160629},{"word":"that","start":1786.28,"end":1786.4401,"confidence":0.76416016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03965878486633301},{"word":"salary","start":1786.4401,"end":1786.92,"confidence":0.40576172,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.14548301696777344},{"word":"sacrifice","start":1786.92,"end":1787.4,"confidence":0.9404297,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":-0.11411858350038528},{"word":"you're","start":1787.4,"end":1787.64,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.023030754178762436},{"word":"currently","start":1787.64,"end":1788.04,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.10839007794857024},{"word":"doing","start":1788.04,"end":1788.54,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.05031575262546539},{"word":"because","start":1789.015,"end":1789.255,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04096108675003052},{"word":"you're","start":1789.255,"end":1789.495,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0743802934885025},{"word":"already","start":1789.495,"end":1789.735,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.013481616973876951},{"word":"missing","start":1789.735,"end":1790.0549,"confidence":1.0,"punctuated_word":"missing","sentiment":"neutral","sentiment_score":-0.13980600237846377},{"word":"that","start":1790.0549,"end":1790.295,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08219459652900696},{"word":"kind","start":1790.295,"end":1790.535,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1695728600025177},{"word":"of","start":1790.535,"end":1790.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11888067424297331},{"word":"money","start":1790.695,"end":1791.015,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.11402265727519988},{"word":"from","start":1791.015,"end":1791.255,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07664117217063904},{"word":"your","start":1791.255,"end":1791.495,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02839230000972748},{"word":"pay","start":1791.495,"end":1791.735,"confidence":0.9902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.12354034185409546},{"word":"there","start":1791.735,"end":1792.0549,"confidence":0.9753418,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.002979487180709839},{"word":"so","start":1792.0549,"end":1792.5549,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12220799922943117},{"word":"it","start":1792.695,"end":1792.855,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18894803524017337},{"word":"was","start":1792.855,"end":1792.9349,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16349105536937714},{"word":"just","start":1792.9349,"end":1793.095,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20355752110481265},{"word":"a","start":1793.095,"end":1793.255,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17164796590805054},{"word":"bit","start":1793.255,"end":1793.415,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.15733563899993896},{"word":"of","start":1793.415,"end":1793.895,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12493427842855452},{"word":"working","start":1793.895,"end":1794.295,"confidence":0.90771484,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.12057102471590042},{"word":"it","start":1794.295,"end":1794.375,"confidence":0.81640625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15547747910022736},{"word":"a","start":1794.375,"end":1794.455,"confidence":0.72802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20064985752105713},{"word":"lot","start":1794.455,"end":1794.775,"confidence":0.9633789,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":0.20235753059387207},{"word":"doing","start":1794.775,"end":1794.9349,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2505141496658325},{"word":"the","start":1794.9349,"end":1795.095,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25176215171813965},{"word":"math","start":1795.095,"end":1795.415,"confidence":0.95092773,"punctuated_word":"math,","sentiment":"neutral","sentiment_score":0.25535452365875244},{"word":"and","start":1795.415,"end":1795.575,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2690540850162506},{"word":"breaking","start":1795.575,"end":1795.895,"confidence":1.0,"punctuated_word":"breaking","sentiment":"neutral","sentiment_score":0.2667762339115143},{"word":"it","start":1795.895,"end":1796.0549,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2420252114534378},{"word":"back","start":1796.0549,"end":1796.295,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.22044894099235535},{"word":"down","start":1796.295,"end":1796.535,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2267719060182571},{"word":"to","start":1796.535,"end":1796.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2712271213531494},{"word":"the","start":1796.695,"end":1796.9349,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2458459585905075},{"word":"basics","start":1796.9349,"end":1797.415,"confidence":0.9707031,"punctuated_word":"basics","sentiment":"neutral","sentiment_score":0.1810193806886673},{"word":"to","start":1797.415,"end":1797.575,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22448083758354187},{"word":"work","start":1797.575,"end":1797.815,"confidence":0.9941406,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20363128185272217},{"word":"out","start":1797.815,"end":1797.975,"confidence":0.93603516,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24435803294181824},{"word":"where","start":1797.975,"end":1798.135,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.16399377584457395},{"word":"you","start":1798.135,"end":1798.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.192587748169899},{"word":"are","start":1798.375,"end":1798.875,"confidence":0.86450195,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.1479014754295349},{"word":"but","start":1799.175,"end":1799.335,"confidence":0.95166016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1403772532939911},{"word":"we","start":1799.335,"end":1799.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10851962864398956},{"word":"can","start":1799.495,"end":1799.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13767153024673462},{"word":"always","start":1799.735,"end":1800.0549,"confidence":0.9367676,"punctuated_word":"always,","sentiment":"neutral","sentiment_score":0.15505896508693695},{"word":"if","start":1800.0549,"end":1800.295,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1817680150270462},{"word":"we","start":1800.295,"end":1800.375,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13878771662712097},{"word":"need","start":1800.375,"end":1800.66,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13076098263263702},{"word":"to","start":1800.66,"end":1800.9,"confidence":0.94091797,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.11477436125278472},{"word":"roll","start":1800.9,"end":1801.06,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.09280109405517578},{"word":"you","start":1801.06,"end":1801.14,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11115612089633942},{"word":"back","start":1801.14,"end":1801.3,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10195609927177428},{"word":"into","start":1801.3,"end":1801.78,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08052755147218704},{"word":"accumulation","start":1801.78,"end":1802.28,"confidence":0.9851074,"punctuated_word":"accumulation,","sentiment":"neutral","sentiment_score":0.12392277270555496},{"word":"rerun","start":1802.5801,"end":1803.06,"confidence":0.99902344,"punctuated_word":"rerun","sentiment":"neutral","sentiment_score":0.12684759497642517},{"word":"the","start":1803.06,"end":1803.2201,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1014736145734787},{"word":"numbers","start":1803.2201,"end":1803.54,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.06514780968427658},{"word":"again","start":1803.54,"end":1803.78,"confidence":0.84765625,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.11945413053035736},{"word":"and","start":1803.78,"end":1804.02,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10410542786121368},{"word":"then","start":1804.02,"end":1804.26,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10605353116989136},{"word":"roll","start":1804.26,"end":1804.42,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.062236517667770386},{"word":"you","start":1804.42,"end":1804.5801,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0853564441204071},{"word":"back","start":1804.5801,"end":1804.8201,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07355070114135742},{"word":"over","start":1804.8201,"end":1805.14,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09160500764846802},{"word":"to","start":1805.14,"end":1805.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06236341968178749},{"word":"pension","start":1805.38,"end":1805.78,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.08012871444225311},{"word":"and","start":1805.78,"end":1806.02,"confidence":0.87060547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06827828288078308},{"word":"start","start":1806.02,"end":1806.3401,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.07437420636415482},{"word":"again","start":1806.3401,"end":1806.5801,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.10504774004220964},{"word":"if","start":1806.5801,"end":1806.8201,"confidence":0.98535156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1090218797326088},{"word":"we","start":1806.8201,"end":1806.9,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.058898720890283585},{"word":"have","start":1806.9,"end":1807.06,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07072724401950836},{"word":"to","start":1807.06,"end":1807.56,"confidence":0.9975586,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.042794231325387955},{"word":"yeah","start":1808.98,"end":1809.3,"confidence":0.9711914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10321035981178284},{"word":"yeah","start":1809.3,"end":1809.54,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.128773033618927},{"word":"we","start":1809.54,"end":1809.7001,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12959536910057068},{"word":"can","start":1809.7001,"end":1809.9401,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1502805054187775},{"word":"roll","start":1809.9401,"end":1810.18,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.09560097754001616},{"word":"back","start":1810.18,"end":1810.3401,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11413851380348206},{"word":"in","start":1810.3401,"end":1810.5801,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10121361911296844},{"word":"and","start":1810.5801,"end":1810.74,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10001694411039352},{"word":"out","start":1810.74,"end":1810.9,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12871123850345612},{"word":"of","start":1810.9,"end":1811.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12167627364397048},{"word":"ttr","start":1811.38,"end":1811.78,"confidence":0.6828613,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.06634004414081573},{"word":"pension","start":1811.78,"end":1812.18,"confidence":0.99316406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.06901124864816666},{"word":"phase","start":1812.18,"end":1812.42,"confidence":0.9658203,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.110090434551239},{"word":"and","start":1812.42,"end":1812.5801,"confidence":0.8911133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09121774137020112},{"word":"accumulation","start":1812.5801,"end":1813.0801,"confidence":0.9873047,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.087649866938591},{"word":"as","start":1813.2201,"end":1813.38,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11882871389389038},{"word":"often","start":1813.38,"end":1813.7001,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.08823367953300476},{"word":"as","start":1813.7001,"end":1813.86,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.012386348098516464},{"word":"we","start":1813.86,"end":1813.9401,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006743874400854111},{"word":"need","start":1813.9401,"end":1814.18,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01182638481259346},{"word":"to","start":1814.18,"end":1814.68,"confidence":0.99902344,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.007055221125483513},{"word":"the","start":1814.9,"end":1815.14,"confidence":0.9941406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03141041100025177},{"word":"only","start":1815.14,"end":1815.62,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.058064140379428864},{"word":"main","start":1815.62,"end":1816.12,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.12494677305221558},{"word":"no","start":1818.975,"end":1819.475,"confidence":0.9604492,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.18521812558174133},{"word":"yeah","start":1820.015,"end":1820.335,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02308473363518715},{"word":"no","start":1820.335,"end":1820.575,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.040873948484659195},{"word":"we","start":1820.575,"end":1820.735,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.006859667599201202},{"word":"can","start":1820.735,"end":1820.975,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.034913212060928345},{"word":"refresh","start":1820.975,"end":1821.455,"confidence":1.0,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":-0.008024662733078003},{"word":"this","start":1821.455,"end":1821.615,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.005990162491798401},{"word":"as","start":1821.615,"end":1821.7749,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04443749785423279},{"word":"often","start":1821.7749,"end":1822.095,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.05791769176721573},{"word":"as","start":1822.095,"end":1822.255,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12451951205730438},{"word":"we","start":1822.255,"end":1822.4149,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1268211007118225},{"word":"like","start":1822.4149,"end":1822.6549,"confidence":0.98950195,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.1182478666305542},{"word":"we","start":1822.6549,"end":1822.815,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08762948960065842},{"word":"try","start":1822.815,"end":1823.0549,"confidence":0.99316406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.1259562522172928},{"word":"to","start":1823.0549,"end":1823.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10663460195064545},{"word":"do","start":1823.135,"end":1823.2949,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09262873232364656},{"word":"it","start":1823.2949,"end":1823.455,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1216077283024788},{"word":"once","start":1823.455,"end":1823.7749,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10494759678840636},{"word":"a","start":1823.7749,"end":1823.855,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07764875888824463},{"word":"year","start":1823.855,"end":1824.255,"confidence":0.9172363,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06848139315843582},{"word":"so","start":1824.255,"end":1824.755,"confidence":0.9536133,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0960877686738968},{"word":"realistically","start":1824.815,"end":1825.315,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.11531370878219604},{"word":"if","start":1825.5349,"end":1825.695,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13236868381500244},{"word":"we","start":1825.695,"end":1825.855,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10159875452518465},{"word":"sort","start":1825.855,"end":1826.015,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11256450414657591},{"word":"of","start":1826.015,"end":1826.335,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1262524574995041},{"word":"start","start":1826.335,"end":1826.575,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.09061984717845915},{"word":"doing","start":1826.575,"end":1826.815,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.10894212126731873},{"word":"this","start":1826.815,"end":1827.135,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13381943106651306},{"word":"in","start":1827.135,"end":1827.215,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11001555621623992},{"word":"the","start":1827.215,"end":1827.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1316845864057541},{"word":"next","start":1827.375,"end":1827.615,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1120632067322731},{"word":"couple","start":1827.615,"end":1827.9349,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.10418500006198884},{"word":"of","start":1827.9349,"end":1828.015,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1115923672914505},{"word":"weeks","start":1828.015,"end":1828.255,"confidence":0.9951172,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.11820165812969208},{"word":"it'd","start":1828.255,"end":1828.575,"confidence":0.7746582,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.1386016458272934},{"word":"be","start":1828.575,"end":1828.735,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16062206029891968},{"word":"good","start":1828.735,"end":1828.895,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.13245347142219543},{"word":"to","start":1828.895,"end":1829.0549,"confidence":0.9160156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16257044672966003},{"word":"probably","start":1829.0549,"end":1829.375,"confidence":0.5776367,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15649136900901794},{"word":"just","start":1829.375,"end":1829.615,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11621128022670746},{"word":"see","start":1829.615,"end":1829.695,"confidence":0.3869629,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09259012341499329},{"word":"like","start":1829.7749,"end":1829.9349,"confidence":0.9733887,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10011617839336397},{"word":"if","start":1829.9349,"end":1830.015,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0898759663105011},{"word":"you're","start":1830.015,"end":1830.255,"confidence":0.9790039,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.053394995629787445},{"word":"going","start":1830.255,"end":1830.495,"confidence":0.99121094,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04537060856819153},{"word":"back","start":1830.495,"end":1830.6549,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.04530252888798714},{"word":"to","start":1830.6549,"end":1830.815,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025199055671691895},{"word":"wake","start":1830.815,"end":1831.2,"confidence":0.55810547,"punctuated_word":"wake","sentiment":"neutral","sentiment_score":0.052412249147892},{"word":"to","start":1831.2,"end":1831.44,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04824899882078171},{"word":"work","start":1831.44,"end":1831.6799,"confidence":0.9716797,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.039631593972444534},{"word":"next","start":1831.6799,"end":1832.1799,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06937156617641449},{"word":"week","start":1832.32,"end":1832.82,"confidence":0.9880371,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.1439911127090454},{"word":"if","start":1833.0399,"end":1833.2799,"confidence":0.6166992,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1792631447315216},{"word":"you","start":1833.2799,"end":1833.44,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14703725278377533},{"word":"can","start":1833.44,"end":1833.6,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11436120420694353},{"word":"just","start":1833.6,"end":1833.9199,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13336002826690674},{"word":"maybe","start":1833.9199,"end":1834.3999,"confidence":0.94921875,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1438387632369995},{"word":"shoot","start":1834.3999,"end":1834.6399,"confidence":0.8769531,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.11473335325717926},{"word":"me","start":1834.6399,"end":1834.72,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14067527651786804},{"word":"through","start":1834.72,"end":1834.96,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1358141303062439},{"word":"an","start":1834.96,"end":1835.2,"confidence":0.67041016,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13409332931041718},{"word":"updated","start":1835.2,"end":1835.7,"confidence":0.9194336,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.10070990025997162},{"word":"when","start":1836.08,"end":1836.24,"confidence":0.57470703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14202404022216797},{"word":"you","start":1836.24,"end":1836.3999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1318512111902237},{"word":"get","start":1836.3999,"end":1836.5599,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11331534385681152},{"word":"your","start":1836.5599,"end":1836.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13321781158447266},{"word":"first","start":1836.88,"end":1837.12,"confidence":0.9970703,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10977679491043092},{"word":"pay","start":1837.12,"end":1837.36,"confidence":0.5942383,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07387039065361023},{"word":"slip","start":1837.36,"end":1837.6799,"confidence":0.9970703,"punctuated_word":"slip","sentiment":"neutral","sentiment_score":0.10887095332145692},{"word":"and","start":1837.6799,"end":1837.84,"confidence":0.7817383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17096738517284393},{"word":"it","start":1837.84,"end":1838.0,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17826727032661438},{"word":"shows","start":1838.0,"end":1838.5,"confidence":0.99902344,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.1267697513103485},{"word":"your","start":1838.6399,"end":1838.7999,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1489184945821762},{"word":"total","start":1838.7999,"end":1839.2,"confidence":0.99902344,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.17794296145439148},{"word":"income","start":1839.2,"end":1839.6,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.13234741985797882},{"word":"back","start":1839.6,"end":1839.84,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1627633571624756},{"word":"on","start":1839.84,"end":1840.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1556723266839981},{"word":"a","start":1840.0,"end":1840.1599,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1424967497587204},{"word":"100%","start":1840.1599,"end":1840.7999,"confidence":0.9067383,"punctuated_word":"100%,","sentiment":"neutral","sentiment_score":0.1541513204574585},{"word":"i","start":1840.7999,"end":1840.96,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15659931302070618},{"word":"can","start":1840.96,"end":1841.2,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15217512845993042},{"word":"always","start":1841.2,"end":1841.5199,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.16962376236915588},{"word":"just","start":1841.5199,"end":1841.76,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1490265429019928},{"word":"double","start":1841.76,"end":1842.0,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.12902599573135376},{"word":"check","start":1842.0,"end":1842.24,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.10574914515018465},{"word":"those","start":1842.24,"end":1842.48,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11435890942811966},{"word":"numbers","start":1842.48,"end":1842.88,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.06003091484308243},{"word":"before","start":1842.88,"end":1843.12,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08331678807735443},{"word":"we","start":1843.12,"end":1843.2799,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.052256010472774506},{"word":"roll","start":1843.2799,"end":1843.5199,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.060949429869651794},{"word":"into","start":1843.5199,"end":1843.84,"confidence":0.97802734,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04259109124541283},{"word":"pension","start":1843.84,"end":1844.24,"confidence":0.8803711,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.04243498295545578},{"word":"phase","start":1844.24,"end":1844.715,"confidence":0.99316406,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.08643440902233124},{"word":"because","start":1845.195,"end":1845.595,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11123145371675491},{"word":"to","start":1845.595,"end":1845.755,"confidence":0.83447266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11254793405532836},{"word":"start","start":1845.755,"end":1845.995,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.08641382306814194},{"word":"with","start":1845.995,"end":1846.1549,"confidence":0.9855957,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.1265406608581543},{"word":"we're","start":1846.1549,"end":1846.395,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14266625046730042},{"word":"gonna","start":1846.395,"end":1846.5549,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17542403936386108},{"word":"do","start":1846.5549,"end":1846.715,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1514466106891632},{"word":"the","start":1846.715,"end":1846.875,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14066509902477264},{"word":"investment","start":1846.875,"end":1847.355,"confidence":0.9350586,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06464982032775879},{"word":"switch","start":1847.355,"end":1847.835,"confidence":0.9980469,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.08997870981693268},{"word":"anyway","start":1847.835,"end":1848.335,"confidence":0.9819336,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.13865303993225098},{"word":"so","start":1849.4349,"end":1849.9349,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2124098539352417},{"word":"if","start":1850.235,"end":1850.395,"confidence":0.91748047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21499517560005188},{"word":"you","start":1850.395,"end":1850.5549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19512048363685608},{"word":"wanna","start":1850.5549,"end":1850.7949,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2204376757144928},{"word":"send","start":1850.7949,"end":1851.0349,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1722300797700882},{"word":"that","start":1851.0349,"end":1851.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1856035590171814},{"word":"to","start":1851.195,"end":1851.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1710875928401947},{"word":"me","start":1851.355,"end":1851.515,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18869099020957947},{"word":"once","start":1851.515,"end":1851.755,"confidence":0.9716797,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1928434818983078},{"word":"you've","start":1851.755,"end":1851.9149,"confidence":0.7819824,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1930067837238312},{"word":"got","start":1851.9149,"end":1852.075,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19261252880096436},{"word":"your","start":1852.075,"end":1852.235,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18199579417705536},{"word":"first","start":1852.235,"end":1852.475,"confidence":0.9941406,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.14449651539325714},{"word":"pay","start":1852.475,"end":1852.715,"confidence":0.51171875,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.11279164999723434},{"word":"slip","start":1852.715,"end":1852.955,"confidence":0.9951172,"punctuated_word":"slip","sentiment":"neutral","sentiment_score":0.1302744448184967},{"word":"there","start":1852.955,"end":1853.115,"confidence":0.98828125,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.21468400955200195},{"word":"i","start":1853.115,"end":1853.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2564582824707031},{"word":"can","start":1853.275,"end":1853.4349,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2195872813463211},{"word":"always","start":1853.4349,"end":1853.6749,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.25369971990585327},{"word":"just","start":1853.6749,"end":1853.835,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21215061843395233},{"word":"double","start":1853.835,"end":1854.075,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1652050018310547},{"word":"check","start":1854.075,"end":1854.315,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.13942530751228333},{"word":"the","start":1854.315,"end":1854.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15793344378471377},{"word":"numbers","start":1854.395,"end":1854.7949,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.11854113638401031},{"word":"before","start":1854.7949,"end":1855.115,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.15826788544654846},{"word":"we","start":1855.115,"end":1855.275,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14072328805923462},{"word":"run","start":1855.275,"end":1855.4349,"confidence":0.83203125,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.1303848773241043},{"word":"before","start":1855.595,"end":1855.9149,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1300586611032486},{"word":"we","start":1855.9149,"end":1856.075,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13860248029232025},{"word":"roll","start":1856.075,"end":1856.315,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.16555321216583252},{"word":"into","start":1856.315,"end":1856.5549,"confidence":0.9770508,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13266083598136902},{"word":"pension","start":1856.5549,"end":1857.0549,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1225852593779564},{"word":"phase","start":1857.115,"end":1857.4349,"confidence":0.9980469,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.2180795967578888},{"word":"for","start":1857.4349,"end":1857.595,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3334316313266754},{"word":"you","start":1857.595,"end":1858.05,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2612963616847992},{"word":"that","start":1858.53,"end":1858.77,"confidence":0.9658203,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2027048617601395},{"word":"way","start":1858.77,"end":1859.0901,"confidence":0.86987305,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.27867764234542847},{"word":"if","start":1859.0901,"end":1859.25,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2572214603424072},{"word":"there","start":1859.25,"end":1859.49,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22197847068309784},{"word":"are","start":1859.49,"end":1859.65,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1962226778268814},{"word":"any","start":1859.65,"end":1859.9701,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18979810178279877},{"word":"changes","start":1859.9701,"end":1860.29,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.14486290514469147},{"word":"that","start":1860.29,"end":1860.53,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18043845891952515},{"word":"needs","start":1860.53,"end":1860.65,"confidence":0.7519531,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.14140810072422028},{"word":"to","start":1860.65,"end":1860.77,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18057742714881897},{"word":"be","start":1860.77,"end":1860.93,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19221724569797516},{"word":"made","start":1860.93,"end":1861.17,"confidence":0.9526367,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.20444361865520477},{"word":"to","start":1861.17,"end":1861.3301,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1818581372499466},{"word":"those","start":1861.3301,"end":1861.49,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15735487639904022},{"word":"numbers","start":1861.49,"end":1861.89,"confidence":0.99609375,"punctuated_word":"numbers,","sentiment":"neutral","sentiment_score":0.20286720991134644},{"word":"we","start":1861.89,"end":1862.13,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23005926609039307},{"word":"do","start":1862.13,"end":1862.29,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1936179995536804},{"word":"them","start":1862.29,"end":1862.53,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1916678845882416},{"word":"now","start":1862.53,"end":1862.8501,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2138021290302277},{"word":"before","start":1862.8501,"end":1863.17,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.12145256996154784},{"word":"we","start":1863.17,"end":1863.3301,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09004789590835571},{"word":"roll","start":1863.3301,"end":1863.5701,"confidence":0.9921875,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.102418452501297},{"word":"in","start":1863.5701,"end":1863.89,"confidence":0.78222656,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.06605951488018036},{"word":"because","start":1863.89,"end":1864.13,"confidence":0.9892578,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05079902708530426},{"word":"then","start":1864.13,"end":1864.29,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05120505392551422},{"word":"when","start":1864.29,"end":1864.53,"confidence":0.97802734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04865183308720589},{"word":"we","start":1864.53,"end":1864.6101,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11791715770959854},{"word":"roll","start":1864.6101,"end":1864.8501,"confidence":0.9921875,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.1120530292391777},{"word":"in","start":1864.8501,"end":1865.0901,"confidence":0.99365234,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.10362744331359865},{"word":"we","start":1865.0901,"end":1865.25,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13336245715618134},{"word":"try","start":1865.25,"end":1865.49,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.246512308716774},{"word":"to","start":1865.49,"end":1865.5701,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2649223804473877},{"word":"give","start":1865.5701,"end":1865.7301,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2784455120563507},{"word":"it","start":1865.7301,"end":1865.9701,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25282737612724304},{"word":"a","start":1865.9701,"end":1866.05,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3289546072483063},{"word":"good","start":1866.05,"end":1866.37,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3758570849895478},{"word":"year","start":1866.37,"end":1866.6901,"confidence":0.99902344,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.41347554326057434},{"word":"to","start":1866.6901,"end":1866.93,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3031931519508362},{"word":"make","start":1866.93,"end":1867.0901,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.26570186018943787},{"word":"sure","start":1867.0901,"end":1867.3301,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3208361864089966},{"word":"it's","start":1867.3301,"end":1867.49,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3024950325489044},{"word":"all","start":1867.49,"end":1867.7301,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19195395708084104},{"word":"kind","start":1867.7301,"end":1867.9701,"confidence":0.9863281,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16881956160068512},{"word":"of","start":1867.9701,"end":1868.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1974596381187439},{"word":"working","start":1868.13,"end":1868.53,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.17131422460079193},{"word":"to","start":1868.53,"end":1868.6901,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.154372438788414},{"word":"see","start":1868.6901,"end":1868.93,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11529111862182616},{"word":"the","start":1868.93,"end":1869.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2541978657245636},{"word":"benefits","start":1869.01,"end":1869.51,"confidence":0.7697754,"punctuated_word":"benefits.","sentiment":"neutral","sentiment_score":0.270709753036499},{"word":"yeah","start":1870.365,"end":1870.685,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05689913034439087},{"word":"and","start":1870.685,"end":1871.005,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04073984548449516},{"word":"then","start":1871.005,"end":1871.325,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02382444590330124},{"word":"kinda","start":1871.325,"end":1871.645,"confidence":0.6923828,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.014654027298092842},{"word":"roll","start":1871.645,"end":1871.965,"confidence":0.9863281,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.016589883714914322},{"word":"you","start":1871.965,"end":1872.125,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0031443722546100616},{"word":"back","start":1872.125,"end":1872.625,"confidence":0.97753906,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.01883034221827984},{"word":"the","start":1872.925,"end":1873.325,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04152626916766167},{"word":"we","start":1873.645,"end":1873.725,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.141032874584198},{"word":"can","start":1873.725,"end":1873.965,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1817743182182312},{"word":"roll","start":1873.965,"end":1874.205,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.15480276942253113},{"word":"you","start":1874.205,"end":1874.365,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15882115066051483},{"word":"back","start":1874.365,"end":1874.525,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16592656075954437},{"word":"and","start":1874.525,"end":1874.685,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17546430230140686},{"word":"forth","start":1874.685,"end":1874.925,"confidence":1.0,"punctuated_word":"forth","sentiment":"neutral","sentiment_score":0.1215929239988327},{"word":"as","start":1874.925,"end":1875.085,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19211585819721225},{"word":"much","start":1875.085,"end":1875.325,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14583250880241394},{"word":"as","start":1875.325,"end":1875.485,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20593754947185516},{"word":"you","start":1875.485,"end":1875.565,"confidence":0.90771484,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2247185260057449},{"word":"want","start":1875.565,"end":1875.805,"confidence":0.9980469,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.20784282684326172},{"word":"there's","start":1875.805,"end":1876.045,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.25814610719680786},{"word":"no","start":1876.045,"end":1876.205,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2587725818157196},{"word":"issues","start":1876.205,"end":1876.605,"confidence":0.99316406,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.1748708188533783},{"word":"there","start":1876.605,"end":1876.765,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2005265951156616},{"word":"it's","start":1876.765,"end":1877.005,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19696959853172305},{"word":"more","start":1877.005,"end":1877.325,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1764785200357437},{"word":"just","start":1877.325,"end":1877.725,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15272773802280426},{"word":"if","start":1877.725,"end":1877.885,"confidence":0.9243164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16846685111522677},{"word":"you","start":1877.885,"end":1878.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13984589278697968},{"word":"haven't","start":1878.525,"end":1878.845,"confidence":0.982666,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.12611746788024902},{"word":"taken","start":1878.845,"end":1879.245,"confidence":0.9980469,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.12178681790828703},{"word":"the","start":1879.245,"end":1879.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11187615990638732},{"word":"minimum","start":1879.405,"end":1879.885,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.08212119340896606},{"word":"pension","start":1879.885,"end":1880.385,"confidence":0.9980469,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.050387904047966},{"word":"requirement","start":1880.445,"end":1880.945,"confidence":0.9453125,"punctuated_word":"requirement","sentiment":"neutral","sentiment_score":0.0659911185503006},{"word":"for","start":1881.005,"end":1881.165,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07139524817466736},{"word":"the","start":1881.165,"end":1881.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09142603725194932},{"word":"year","start":1881.325,"end":1881.805,"confidence":0.9108887,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12572544813156128},{"word":"they","start":1881.805,"end":1881.965,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1154613196849823},{"word":"actually","start":1881.965,"end":1882.365,"confidence":0.9819336,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.09401168674230576},{"word":"give","start":1882.365,"end":1882.605,"confidence":0.9838867,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09044845402240752},{"word":"you","start":1882.605,"end":1882.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14648596942424774},{"word":"extra","start":1882.765,"end":1883.245,"confidence":0.43579102,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.07968820631504059},{"word":"drawdown","start":1883.245,"end":1883.745,"confidence":0.7237956,"punctuated_word":"drawdown.","sentiment":"neutral","sentiment_score":0.0874510332942009},{"word":"so","start":1883.965,"end":1884.465,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11112482100725174},{"word":"works","start":1884.8201,"end":1885.06,"confidence":0.9301758,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.1975872218608856},{"word":"for","start":1885.06,"end":1885.14,"confidence":0.84277344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14459015429019928},{"word":"you","start":1885.14,"end":1885.64,"confidence":0.9453125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14334584772586825},{"word":"whenever","start":1886.5801,"end":1886.98,"confidence":0.87841797,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.0177580825984478},{"word":"we","start":1886.98,"end":1887.14,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.044195543974637985},{"word":"roll","start":1887.14,"end":1887.38,"confidence":0.99609375,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.08817567676305771},{"word":"you","start":1887.38,"end":1887.54,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10688240081071854},{"word":"back","start":1887.54,"end":1887.78,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11185263097286224},{"word":"out","start":1887.78,"end":1887.86,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24656003713607788},{"word":"of","start":1887.86,"end":1888.02,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.286406010389328},{"word":"that","start":1888.02,"end":1888.18,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2647530138492584},{"word":"pension","start":1888.18,"end":1888.66,"confidence":0.9980469,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.07918938994407654},{"word":"phase","start":1888.66,"end":1889.06,"confidence":0.9577637,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.12784625589847565},{"word":"so","start":1889.06,"end":1889.56,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32063424587249756},{"word":"i","start":1889.9401,"end":1890.1,"confidence":0.8051758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19736984372138977},{"word":"try","start":1890.1,"end":1890.3401,"confidence":0.94384766,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.21289199590682983},{"word":"to","start":1890.3401,"end":1890.5,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1972355544567108},{"word":"sort","start":1890.5,"end":1890.66,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2049165815114975},{"word":"of","start":1890.66,"end":1890.8201,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2189474254846573},{"word":"make","start":1890.8201,"end":1890.98,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1257578581571579},{"word":"sure","start":1890.98,"end":1891.2201,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1128545179963112},{"word":"the","start":1891.2201,"end":1891.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16708120703697205},{"word":"numbers","start":1891.38,"end":1891.78,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.1709882616996765},{"word":"are","start":1891.78,"end":1891.9401,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1346251368522644},{"word":"on","start":1891.9401,"end":1892.1,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15512514114379883},{"word":"point","start":1892.1,"end":1892.5,"confidence":0.9970703,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.13365799188613892},{"word":"before","start":1892.5,"end":1892.8201,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.13511696457862854},{"word":"we","start":1892.8201,"end":1893.06,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11654201149940492},{"word":"kind","start":1893.06,"end":1893.3,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1098777800798416},{"word":"of","start":1893.3,"end":1893.4601,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14636394381523132},{"word":"go","start":1893.4601,"end":1893.7001,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1645683795213699},{"word":"forward","start":1893.7001,"end":1894.02,"confidence":0.99609375,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.1640089452266693},{"word":"into","start":1894.02,"end":1894.3401,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13576680421829224},{"word":"it","start":1894.3401,"end":1894.5,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1442834436893463},{"word":"we","start":1894.5,"end":1894.66,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09222206473350524},{"word":"can","start":1894.66,"end":1894.9,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1291595995426178},{"word":"make","start":1894.9,"end":1895.14,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1325278282165527},{"word":"some","start":1895.14,"end":1895.4601,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1163640171289444},{"word":"alterations","start":1895.4601,"end":1895.9601,"confidence":0.9970703,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.1305260956287384},{"word":"once","start":1896.1,"end":1896.42,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1436154842376709},{"word":"we're","start":1896.42,"end":1896.66,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1303889900445938},{"word":"there","start":1896.66,"end":1896.9,"confidence":0.98950195,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12219983339309692},{"word":"but","start":1896.9,"end":1897.245,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1592019349336624},{"word":"it","start":1897.405,"end":1897.565,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1261284500360489},{"word":"just","start":1897.565,"end":1897.725,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1444590836763382},{"word":"makes","start":1897.725,"end":1897.885,"confidence":0.99902344,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.13494421541690826},{"word":"it","start":1897.885,"end":1898.045,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1778058260679245},{"word":"easier","start":1898.045,"end":1898.445,"confidence":0.94921875,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.19137711822986603},{"word":"on","start":1898.445,"end":1898.6849,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17417101562023163},{"word":"you","start":1898.6849,"end":1898.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17990481853485107},{"word":"if","start":1898.845,"end":1899.085,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19196099042892456},{"word":"we","start":1899.085,"end":1899.585,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14357207715511322},{"word":"do","start":1899.725,"end":1899.885,"confidence":0.703125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13805855810642242},{"word":"that","start":1899.885,"end":1900.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16624465584754944},{"word":"beforehand","start":1900.125,"end":1900.625,"confidence":0.9975586,"punctuated_word":"beforehand.","sentiment":"neutral","sentiment_score":0.12907728552818298},{"word":"so","start":1901.005,"end":1901.405,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09885509312152864},{"word":"what","start":1901.405,"end":1901.565,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10022740066051485},{"word":"i'd","start":1901.565,"end":1901.725,"confidence":0.8366699,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.10949371755123138},{"word":"probably","start":1901.725,"end":1902.125,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.12127949297428132},{"word":"just","start":1902.125,"end":1902.285,"confidence":0.94628906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1203792691230774},{"word":"suggest","start":1902.285,"end":1902.6849,"confidence":1.0,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":0.0936254858970642},{"word":"is","start":1902.6849,"end":1903.005,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07994824647903442},{"word":"if","start":1903.005,"end":1903.085,"confidence":0.95703125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09666698426008224},{"word":"you","start":1903.085,"end":1903.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08482509106397629},{"word":"can","start":1903.165,"end":1903.325,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08720527589321136},{"word":"get","start":1903.325,"end":1903.565,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0670875534415245},{"word":"when","start":1903.645,"end":1903.885,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08335347473621368},{"word":"you","start":1903.885,"end":1903.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10195384174585342},{"word":"get","start":1903.965,"end":1904.125,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08123989403247833},{"word":"your","start":1904.125,"end":1904.285,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09628220647573472},{"word":"first","start":1904.285,"end":1904.525,"confidence":0.99609375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08510486781597137},{"word":"payslip","start":1904.525,"end":1905.005,"confidence":0.8449707,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.07329274713993073},{"word":"if","start":1905.245,"end":1905.405,"confidence":0.9550781,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1201123148202896},{"word":"you're","start":1905.405,"end":1905.565,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10243508219718932},{"word":"back","start":1905.565,"end":1905.805,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09585690498352052},{"word":"to","start":1905.805,"end":1905.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09323576092720032},{"word":"work","start":1905.885,"end":1906.125,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.098639577627182},{"word":"next","start":1906.125,"end":1906.365,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09995941817760468},{"word":"week","start":1906.365,"end":1906.845,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.11933128535747528},{"word":"on","start":1906.845,"end":1907.085,"confidence":0.7246094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13072581589221954},{"word":"a","start":1907.085,"end":1907.245,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13465231657028198},{"word":"100%","start":1907.245,"end":1907.805,"confidence":0.99902344,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.14201650023460388},{"word":"of","start":1907.805,"end":1907.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11993332952260972},{"word":"your","start":1907.885,"end":1908.125,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13026870787143707},{"word":"income","start":1908.125,"end":1908.445,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12645983695983887},{"word":"again","start":1908.445,"end":1908.765,"confidence":0.98413086,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1279597282409668},{"word":"you","start":1908.765,"end":1909.005,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11196618527173996},{"word":"grab","start":1909.005,"end":1909.245,"confidence":0.9135742,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":0.12864121794700625},{"word":"your","start":1909.245,"end":1909.405,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08869665861129761},{"word":"first","start":1909.405,"end":1909.645,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06916770339012146},{"word":"payslip","start":1909.645,"end":1910.125,"confidence":0.92073566,"punctuated_word":"payslip,","sentiment":"neutral","sentiment_score":0.07356895506381989},{"word":"shoot","start":1910.125,"end":1910.365,"confidence":0.98828125,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.09847841411828996},{"word":"it","start":1910.365,"end":1910.525,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10326848179101944},{"word":"through","start":1910.525,"end":1910.765,"confidence":0.9902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08243153989315033},{"word":"to","start":1910.765,"end":1910.845,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09941203147172928},{"word":"me","start":1910.845,"end":1911.005,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14085444808006287},{"word":"as","start":1911.005,"end":1911.165,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12305189669132233},{"word":"soon","start":1911.165,"end":1911.325,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.1386190503835678},{"word":"as","start":1911.325,"end":1911.485,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12071522325277328},{"word":"it","start":1911.485,"end":1911.565,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1169663518667221},{"word":"comes","start":1911.565,"end":1912.065,"confidence":0.8718262,"punctuated_word":"comes.","sentiment":"neutral","sentiment_score":0.09515380859375},{"word":"i'll","start":1912.67,"end":1912.83,"confidence":0.92944336,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07175640761852264},{"word":"just","start":1912.83,"end":1913.07,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0913342535495758},{"word":"run","start":1913.07,"end":1913.3099,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.06577396392822266},{"word":"the","start":1913.3099,"end":1913.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05975548177957535},{"word":"numbers","start":1913.47,"end":1913.79,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.0537092387676239},{"word":"over","start":1913.79,"end":1914.03,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05081476271152496},{"word":"again","start":1914.03,"end":1914.27,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.07288967072963715},{"word":"to","start":1914.27,"end":1914.51,"confidence":0.35253906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07661207765340805},{"word":"double","start":1914.51,"end":1914.83,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.05929245054721832},{"word":"check","start":1914.83,"end":1915.15,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.0706770047545433},{"word":"that","start":1915.15,"end":1915.3099,"confidence":0.87475586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06722764670848846},{"word":"and","start":1915.3099,"end":1915.5499,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05958191677927971},{"word":"if","start":1915.5499,"end":1915.71,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04094813019037247},{"word":"i","start":1915.71,"end":1915.87,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02272690460085869},{"word":"feel","start":1915.87,"end":1916.11,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.001560162752866745},{"word":"there","start":1916.11,"end":1916.19,"confidence":0.9316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.01272834837436676},{"word":"needs","start":1916.19,"end":1916.51,"confidence":0.9980469,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.014454435557127},{"word":"to","start":1916.51,"end":1916.59,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02044810727238655},{"word":"be","start":1916.59,"end":1916.71,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.023247431963682175},{"word":"a","start":1916.71,"end":1916.83,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025063181295990944},{"word":"bit","start":1916.83,"end":1916.99,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02471413090825081},{"word":"of","start":1916.99,"end":1917.07,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04214685037732124},{"word":"an","start":1917.07,"end":1917.23,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03504616767168045},{"word":"alteration","start":1917.23,"end":1917.73,"confidence":0.99902344,"punctuated_word":"alteration","sentiment":"neutral","sentiment_score":0.026676727458834648},{"word":"to","start":1917.95,"end":1918.11,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04127805307507515},{"word":"it","start":1918.11,"end":1918.61,"confidence":0.9980469,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.05397837609052658},{"word":"i","start":1918.91,"end":1918.99,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0756455585360527},{"word":"can","start":1918.99,"end":1919.23,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07885076105594635},{"word":"update","start":1919.23,"end":1919.5499,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06767013669013977},{"word":"the","start":1919.5499,"end":1919.71,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07307259738445282},{"word":"advice","start":1919.71,"end":1920.11,"confidence":0.97998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05389191955327988},{"word":"really","start":1920.11,"end":1920.35,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.10435765981674194},{"word":"quickly","start":1920.35,"end":1920.75,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.11021587997674942},{"word":"and","start":1920.75,"end":1920.91,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08563724160194397},{"word":"resend","start":1920.91,"end":1921.3099,"confidence":0.9926758,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.0798574760556221},{"word":"it","start":1921.3099,"end":1921.47,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11435389518737792},{"word":"to","start":1921.47,"end":1921.63,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1175650954246521},{"word":"you","start":1921.63,"end":1921.87,"confidence":0.93530273,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09230796247720718},{"word":"reissue","start":1921.87,"end":1922.37,"confidence":0.9916992,"punctuated_word":"reissue","sentiment":"neutral","sentiment_score":0.07345308363437653},{"word":"the","start":1922.4299,"end":1922.59,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07001303136348724},{"word":"numbers","start":1922.59,"end":1922.99,"confidence":0.97509766,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.052129313349723816},{"word":"through","start":1922.99,"end":1923.23,"confidence":0.98535156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04839444160461426},{"word":"to","start":1923.23,"end":1923.39,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045756496489048},{"word":"you","start":1923.39,"end":1923.63,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.035821519792079926},{"word":"does","start":1923.63,"end":1923.79,"confidence":0.97509766,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.028270168229937553},{"word":"that","start":1923.79,"end":1924.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04334896430373192},{"word":"sound","start":1924.03,"end":1924.27,"confidence":0.9970703,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.03572247177362442},{"word":"okay","start":1924.27,"end":1924.77,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.049224402755498886},{"word":"yep","start":1924.83,"end":1925.33,"confidence":0.7039795,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04953829199075699},{"word":"yep","start":1926.495,"end":1926.975,"confidence":0.8959961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18812237679958344},{"word":"beautiful","start":1926.975,"end":1927.475,"confidence":0.9890137,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.496721476316452},{"word":"beautiful","start":1927.775,"end":1928.275,"confidence":0.99609375,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.543910026550293},{"word":"but","start":1928.3351,"end":1928.495,"confidence":0.9980469,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.5104057192802429},{"word":"i've","start":1928.495,"end":1928.735,"confidence":0.8183594,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.6247574090957642},{"word":"really","start":1928.735,"end":1928.895,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.671191930770874},{"word":"enjoyed","start":1928.895,"end":1929.2151,"confidence":0.9951172,"punctuated_word":"enjoyed","sentiment":"positive","sentiment_score":0.6700384616851807},{"word":"putting","start":1929.2151,"end":1929.4551,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.7291868925094604},{"word":"this","start":1929.4551,"end":1929.615,"confidence":0.99609375,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7199088931083679},{"word":"together","start":1929.615,"end":1930.015,"confidence":0.99853516,"punctuated_word":"together.","sentiment":"positive","sentiment_score":0.6998654007911682},{"word":"it's","start":1930.015,"end":1930.175,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7208568453788757},{"word":"been","start":1930.175,"end":1930.3351,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.7374605536460876},{"word":"a","start":1930.3351,"end":1930.415,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7341886758804321},{"word":"lot","start":1930.415,"end":1930.5751,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.7268763184547424},{"word":"of","start":1930.5751,"end":1930.655,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7049851417541504},{"word":"fun","start":1930.655,"end":1930.895,"confidence":0.9980469,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.6557198762893677},{"word":"your","start":1930.895,"end":1931.135,"confidence":0.9902344,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.5538684725761414},{"word":"payslip","start":1931.135,"end":1931.535,"confidence":0.90185547,"punctuated_word":"payslip","sentiment":"positive","sentiment_score":0.5274747014045715},{"word":"has","start":1931.535,"end":1931.775,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6316830515861511},{"word":"been","start":1931.775,"end":1932.275,"confidence":0.9970703,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6264570355415344},{"word":"one","start":1932.495,"end":1932.655,"confidence":0.99609375,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5517868995666504},{"word":"of","start":1932.655,"end":1932.8151,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5124276876449585},{"word":"the","start":1932.8151,"end":1932.975,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4739322662353515},{"word":"most","start":1932.975,"end":1933.295,"confidence":1.0,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.4110543131828308},{"word":"interesting","start":1933.295,"end":1933.795,"confidence":0.99902344,"punctuated_word":"interesting.","sentiment":"positive","sentiment_score":0.4697939455509186},{"word":"i've","start":1933.855,"end":1934.0951,"confidence":0.9909668,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.5877606868743896},{"word":"really","start":1934.0951,"end":1934.3351,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5901252627372742},{"word":"enjoyed","start":1934.3351,"end":1934.8151,"confidence":0.99902344,"punctuated_word":"enjoyed","sentiment":"positive","sentiment_score":0.5794864892959595},{"word":"looking","start":1934.8151,"end":1935.055,"confidence":0.9790039,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6345458030700684},{"word":"at","start":1935.055,"end":1935.2151,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.681803286075592},{"word":"it","start":1935.2151,"end":1935.375,"confidence":0.99121094,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6332976818084717},{"word":"and","start":1935.375,"end":1935.535,"confidence":0.32348633,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5662225484848022},{"word":"just","start":1935.535,"end":1935.6951,"confidence":0.98291016,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4851206839084625},{"word":"because","start":1935.6951,"end":1935.855,"confidence":0.96875,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.40521395206451416},{"word":"it's","start":1935.855,"end":1936.0951,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4646666944026947},{"word":"been","start":1936.0951,"end":1936.255,"confidence":0.98291016,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4409085810184479},{"word":"going","start":1936.255,"end":1936.5751,"confidence":0.9980469,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5114063024520874},{"word":"out","start":1936.5751,"end":1936.735,"confidence":0.70751953,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.42095205187797546},{"word":"gradually","start":1936.735,"end":1937.235,"confidence":0.9453125,"punctuated_word":"gradually","sentiment":"positive","sentiment_score":0.479556679725647},{"word":"over","start":1937.295,"end":1937.535,"confidence":0.91259766,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.48394498229026794},{"word":"the","start":1937.535,"end":1937.615,"confidence":0.9667969,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43130502104759216},{"word":"past","start":1937.615,"end":1937.855,"confidence":0.9980469,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.3992423117160797},{"word":"few","start":1937.855,"end":1938.0951,"confidence":0.9941406,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.3449508547782898},{"word":"months","start":1938.0951,"end":1938.3351,"confidence":0.7734375,"punctuated_word":"months.","sentiment":"positive","sentiment_score":0.4216472506523132},{"word":"but","start":1938.3351,"end":1938.75,"confidence":0.9970703,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.5206697583198547},{"word":"it's","start":1938.91,"end":1939.15,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5620450973510742},{"word":"kinda","start":1939.15,"end":1939.39,"confidence":0.9667969,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.5934110283851624},{"word":"cool","start":1939.39,"end":1939.63,"confidence":0.9980469,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.6828173398971558},{"word":"to","start":1939.63,"end":1939.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6991126537322998},{"word":"see","start":1939.71,"end":1940.03,"confidence":0.9980469,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.7015446424484253},{"word":"you","start":1940.03,"end":1940.27,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6933906078338623},{"word":"getting","start":1940.27,"end":1940.59,"confidence":0.98095703,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.6810807585716248},{"word":"back","start":1940.59,"end":1940.83,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.622951328754425},{"word":"on","start":1940.83,"end":1940.99,"confidence":0.9970703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6374053955078125},{"word":"top","start":1940.99,"end":1941.31,"confidence":0.90478516,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.6622405648231506},{"word":"and","start":1941.31,"end":1941.55,"confidence":0.9091797,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6187841296195984},{"word":"getting","start":1941.55,"end":1941.87,"confidence":0.9951172,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.6423110961914062},{"word":"back","start":1941.87,"end":1942.11,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5755634903907776},{"word":"to","start":1942.11,"end":1942.27,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5339695811271667},{"word":"work","start":1942.27,"end":1942.59,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.5083709359169006},{"word":"over","start":1942.59,"end":1942.83,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6736583709716797},{"word":"that","start":1942.83,"end":1943.07,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5848866105079651},{"word":"time","start":1943.07,"end":1943.31,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.508755087852478},{"word":"too","start":1943.31,"end":1943.55,"confidence":0.765625,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5416392683982849},{"word":"it's","start":1943.55,"end":1943.87,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6289107203483582},{"word":"really","start":1943.87,"end":1944.11,"confidence":0.9980469,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5897512435913086},{"word":"fun","start":1944.11,"end":1944.61,"confidence":0.9995117,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.5025199055671692},{"word":"it","start":1951.3251,"end":1951.5651,"confidence":0.67285156,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.042212069034576416},{"word":"has","start":1951.5651,"end":1952.0651,"confidence":0.9951172,"punctuated_word":"has.","sentiment":"neutral","sentiment_score":-0.041598375886678696},{"word":"yeah","start":1952.125,"end":1952.625,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06822335720062256},{"word":"no","start":1955.805,"end":1956.305,"confidence":0.77075195,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07492765039205551},{"word":"yeah","start":1958.685,"end":1959.185,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.048704445362091064},{"word":"yeah","start":1966.86,"end":1967.36,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18719545006752017},{"word":"yeah","start":1985.035,"end":1985.3551,"confidence":0.8852539,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08863221108913422},{"word":"yeah","start":1985.3551,"end":1985.8551,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1256999373435974},{"word":"yeah","start":2000.0249,"end":2000.5249,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14805391430854797},{"word":"no","start":2001.705,"end":2002.0249,"confidence":0.86376953,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.010591313242912292},{"word":"it's","start":2002.0249,"end":2002.105,"confidence":0.84521484,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1289706528186798},{"word":"good","start":2002.105,"end":2002.605,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.10446137189865112},{"word":"absolutely","start":2004.2649,"end":2004.7649,"confidence":0.9946289,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2913769781589508},{"word":"absolutely","start":2005.385,"end":2005.885,"confidence":0.97680664,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.3041535019874573},{"word":"but","start":2006.105,"end":2006.345,"confidence":0.99902344,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.33718910813331604},{"word":"now","start":2006.345,"end":2006.505,"confidence":0.41796875,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.4440836012363434},{"word":"it's","start":2006.505,"end":2006.585,"confidence":0.98339844,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5059093832969666},{"word":"good","start":2006.585,"end":2006.825,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5923619866371155},{"word":"that","start":2006.825,"end":2006.9049,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5676898956298828},{"word":"you've","start":2006.9049,"end":2007.225,"confidence":0.986084,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.614105224609375},{"word":"at","start":2007.225,"end":2007.3049,"confidence":0.9111328,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5004248023033142},{"word":"least","start":2007.3049,"end":2007.5449,"confidence":1.0,"punctuated_word":"least","sentiment":"positive","sentiment_score":0.4338904023170471},{"word":"had","start":2007.5449,"end":2007.705,"confidence":0.9326172,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5643378496170044},{"word":"that","start":2007.705,"end":2007.945,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5218209624290466},{"word":"downtime","start":2007.945,"end":2008.345,"confidence":0.92578125,"punctuated_word":"downtime","sentiment":"positive","sentiment_score":0.431054413318634},{"word":"to","start":2008.345,"end":2008.505,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4331685304641723},{"word":"let","start":2008.505,"end":2008.745,"confidence":0.99902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.41018253564834595},{"word":"your","start":2008.745,"end":2008.825,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43478086590766907},{"word":"body","start":2008.825,"end":2009.1449,"confidence":1.0,"punctuated_word":"body","sentiment":"positive","sentiment_score":0.4087672233581543},{"word":"recuperate","start":2009.1449,"end":2009.6449,"confidence":0.99609375,"punctuated_word":"recuperate","sentiment":"positive","sentiment_score":0.4566091299057007},{"word":"back","start":2009.705,"end":2009.945,"confidence":0.9902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4336732625961304},{"word":"to","start":2009.945,"end":2010.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4708268344402313},{"word":"where","start":2010.105,"end":2010.2649,"confidence":1.0,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.45246392488479614},{"word":"it","start":2010.2649,"end":2010.505,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5019811391830444},{"word":"is","start":2010.505,"end":2010.6649,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4122834801673889},{"word":"now","start":2010.6649,"end":2010.985,"confidence":0.74523926,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.35103780031204224},{"word":"so","start":2010.985,"end":2011.225,"confidence":0.83374023,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1423855423927307},{"word":"hopefully","start":2011.225,"end":2011.725,"confidence":0.9995117,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.12119577825069427},{"word":"going","start":2011.7849,"end":2012.105,"confidence":0.9658203,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10461783409118652},{"word":"back","start":2012.105,"end":2012.2649,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09814783930778503},{"word":"to","start":2012.2649,"end":2012.4249,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08334900438785553},{"word":"work","start":2012.4249,"end":2012.745,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.12302672117948532},{"word":"is","start":2012.745,"end":2012.985,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07899480313062668},{"word":"the","start":2012.985,"end":2013.1449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10421713441610336},{"word":"right","start":2013.1449,"end":2013.385,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.16956408321857452},{"word":"thing","start":2013.385,"end":2013.885,"confidence":0.9951172,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.14516103267669678},{"word":"yeah","start":2014.0249,"end":2014.5249,"confidence":0.8671875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11770646274089812},{"word":"yeah","start":2016.0,"end":2016.5,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10872090607881546},{"word":"you're","start":2018.8,"end":2019.04,"confidence":0.84936523,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10742676258087158},{"word":"ready","start":2019.04,"end":2019.54,"confidence":0.93603516,"punctuated_word":"ready?","sentiment":"neutral","sentiment_score":0.08720250427722931},{"word":"no","start":2021.3601,"end":2021.76,"confidence":0.97436523,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.07487260550260544},{"word":"that's","start":2021.76,"end":2022.16,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.37141191959381104},{"word":"really","start":2022.16,"end":2022.4801,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.45568010210990906},{"word":"good","start":2022.4801,"end":2022.8,"confidence":0.98535156,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3911468982696533},{"word":"really","start":2022.8,"end":2023.12,"confidence":0.97265625,"punctuated_word":"Really","sentiment":"positive","sentiment_score":0.6694030165672302},{"word":"happy","start":2023.12,"end":2023.52,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6454864144325256},{"word":"for","start":2023.52,"end":2023.68,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6633468866348267},{"word":"you","start":2023.68,"end":2023.76,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7146619558334351},{"word":"that","start":2023.76,"end":2024.0,"confidence":0.9819336,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6795068979263306},{"word":"things","start":2024.0,"end":2024.24,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.7279791235923767},{"word":"are","start":2024.24,"end":2024.4,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.7025608420372009},{"word":"going","start":2024.4,"end":2024.64,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.7414067983627319},{"word":"back","start":2024.64,"end":2024.88,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.7528263330459595},{"word":"the","start":2024.88,"end":2025.04,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5575586557388306},{"word":"way","start":2025.04,"end":2025.2001,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.6178590059280396},{"word":"they","start":2025.2001,"end":2025.4401,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.5656735897064209},{"word":"are","start":2025.4401,"end":2025.6001,"confidence":0.8840332,"punctuated_word":"are,","sentiment":"positive","sentiment_score":0.5099684000015259},{"word":"and","start":2025.6001,"end":2025.92,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4347376823425293},{"word":"i","start":2025.92,"end":2026.0801,"confidence":0.88964844,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.53166264295578},{"word":"know","start":2026.0801,"end":2026.24,"confidence":0.9941406,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.611177384853363},{"word":"it","start":2026.24,"end":2026.64,"confidence":0.8569336,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5938069224357605},{"word":"definitely","start":2026.64,"end":2026.9601,"confidence":0.45629883,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6261707544326782},{"word":"helps","start":2026.9601,"end":2027.3601,"confidence":0.9970703,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.5922902226448059},{"word":"financially","start":2027.3601,"end":2027.8601,"confidence":0.9921875,"punctuated_word":"financially","sentiment":"positive","sentiment_score":0.7126885056495667},{"word":"to","start":2027.92,"end":2028.0,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5045554041862488},{"word":"get","start":2028.0,"end":2028.16,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.49420005083084106},{"word":"back","start":2028.16,"end":2028.4,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5052946209907532},{"word":"full","start":2028.4,"end":2028.64,"confidence":0.9980469,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.5335933566093445},{"word":"time","start":2028.64,"end":2028.88,"confidence":0.9980469,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5795824527740479},{"word":"as","start":2028.88,"end":2029.04,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.483079731464386},{"word":"well","start":2029.04,"end":2029.4401,"confidence":0.892334,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3384966254234314},{"word":"makes","start":2029.4401,"end":2029.76,"confidence":0.84277344,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":0.05258508026599884},{"word":"a","start":2029.76,"end":2030.175,"confidence":0.7558594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06512197852134705},{"word":"a","start":2030.175,"end":2030.3351,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01916255429387093},{"word":"bit","start":2030.3351,"end":2030.5751,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.03290225565433502},{"word":"of","start":2030.5751,"end":2030.615,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03821994364261627},{"word":"a","start":2030.615,"end":2030.655,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03762449324131012},{"word":"difference","start":2030.655,"end":2031.135,"confidence":0.9970703,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.004569143056869507},{"word":"to","start":2031.135,"end":2031.2151,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04487574100494385},{"word":"the","start":2031.2151,"end":2031.375,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015120059251785278},{"word":"budget","start":2031.375,"end":2031.6951,"confidence":0.8491211,"punctuated_word":"budget,","sentiment":"neutral","sentiment_score":-0.058052800595760345},{"word":"especially","start":2031.6951,"end":2032.015,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.10975496470928192},{"word":"with","start":2032.015,"end":2032.255,"confidence":0.984375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13413912057876587},{"word":"the","start":2032.255,"end":2032.415,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1697622537612915},{"word":"cost","start":2032.415,"end":2032.655,"confidence":0.6123047,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.11410681903362274},{"word":"of","start":2032.655,"end":2032.7351,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20490609109401703},{"word":"living","start":2032.7351,"end":2033.055,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.20882663130760193},{"word":"at","start":2033.055,"end":2033.2151,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.24553918838500977},{"word":"the","start":2033.2151,"end":2033.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17687132954597473},{"word":"moment","start":2033.295,"end":2033.535,"confidence":0.95996094,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.15975788235664368},{"word":"it's","start":2033.535,"end":2033.6951,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.5966978073120117},{"word":"pretty","start":2033.6951,"end":2033.935,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.5747630000114441},{"word":"horrendous","start":2033.935,"end":2034.415,"confidence":1.0,"punctuated_word":"horrendous","sentiment":"negative","sentiment_score":-0.6193506121635437},{"word":"out","start":2034.415,"end":2034.655,"confidence":0.9970703,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.575408399105072},{"word":"there","start":2034.655,"end":2034.895,"confidence":0.97094727,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.5490940809249878},{"word":"so","start":2034.895,"end":2035.395,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.18488912284374237},{"word":"yeah","start":2037.775,"end":2038.275,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05917789787054062},{"word":"no","start":2039.295,"end":2039.795,"confidence":0.779541,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07458806037902832},{"word":"yep","start":2044.11,"end":2044.61,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01117897778749466},{"word":"absolutely","start":2046.83,"end":2047.33,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.036190055310726166},{"word":"yeah","start":2056.205,"end":2056.705,"confidence":0.91748047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04675017297267914},{"word":"absolutely","start":2056.7651,"end":2057.2651,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.36175304651260376},{"word":"most","start":2057.725,"end":2058.205,"confidence":1.0,"punctuated_word":"Most","sentiment":"positive","sentiment_score":0.358532190322876},{"word":"definitely","start":2058.205,"end":2058.705,"confidence":1.0,"punctuated_word":"definitely.","sentiment":"positive","sentiment_score":0.3730720579624176},{"word":"yep","start":2059.0051,"end":2059.405,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2301412522792816},{"word":"no","start":2059.405,"end":2059.725,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.16324782371520996},{"word":"absolutely","start":2059.725,"end":2060.225,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.38793250918388367},{"word":"all","start":2060.5251,"end":2060.845,"confidence":0.9970703,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6006867289543152},{"word":"good","start":2060.845,"end":2061.345,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5720497369766235},{"word":"if","start":2061.885,"end":2062.0452,"confidence":0.81933594,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1912241131067276},{"word":"you","start":2062.0452,"end":2062.205,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10671371221542358},{"word":"just","start":2062.205,"end":2062.445,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12408043444156648},{"word":"go","start":2062.445,"end":2062.685,"confidence":0.87841797,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09783041477203368},{"word":"down","start":2062.685,"end":2062.925,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09069588780403136},{"word":"to","start":2062.925,"end":2063.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07467725872993469},{"word":"the","start":2063.085,"end":2063.165,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06811884790658951},{"word":"next","start":2063.165,"end":2063.485,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04947198927402496},{"word":"page","start":2063.485,"end":2063.725,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0516975000500679},{"word":"there","start":2063.725,"end":2063.965,"confidence":0.9614258,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06160475313663483},{"word":"the","start":2063.965,"end":2064.125,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050658442080020905},{"word":"next","start":2064.125,"end":2064.445,"confidence":0.9838867,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04451609775424003},{"word":"sort","start":2064.445,"end":2064.685,"confidence":0.71972656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.044488575309515},{"word":"of","start":2064.685,"end":2064.845,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03837721794843674},{"word":"two","start":2064.845,"end":2064.925,"confidence":0.9838867,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04538806527853012},{"word":"tables","start":2064.925,"end":2065.3252,"confidence":0.8703613,"punctuated_word":"tables,","sentiment":"neutral","sentiment_score":0.03962896764278412},{"word":"the","start":2065.3252,"end":2065.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05418940261006355},{"word":"top","start":2065.485,"end":2065.725,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.0521039180457592},{"word":"table","start":2065.725,"end":2066.0452,"confidence":0.99902344,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.05904900282621384},{"word":"just","start":2066.0452,"end":2066.365,"confidence":0.98095703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04528843238949776},{"word":"outlines","start":2066.365,"end":2066.865,"confidence":0.9970703,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.043790653347969055},{"word":"essentially","start":2067.78,"end":2068.28,"confidence":0.9760742,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.05319542810320854},{"word":"the","start":2068.5,"end":2068.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0415998250246048},{"word":"difference","start":2068.74,"end":2069.1401,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.03822316229343414},{"word":"in","start":2069.1401,"end":2069.3,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04929189756512642},{"word":"the","start":2069.3,"end":2069.3801,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05816912651062012},{"word":"sales","start":2069.3801,"end":2069.7,"confidence":0.45141602,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.037564828991889954},{"word":"stack","start":2069.7,"end":2070.02,"confidence":0.2241211,"punctuated_word":"stack","sentiment":"neutral","sentiment_score":0.05525965243577957},{"word":"and","start":2070.02,"end":2070.26,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03301876783370972},{"word":"the","start":2070.26,"end":2070.42,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04150291532278061},{"word":"draw","start":2070.42,"end":2070.6602,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.01725941151380539},{"word":"downs","start":2070.6602,"end":2070.9001,"confidence":0.6591797,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.03572240471839905},{"word":"and","start":2070.9001,"end":2071.06,"confidence":0.8339844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054323695600032806},{"word":"how","start":2071.06,"end":2071.22,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05683350563049317},{"word":"we","start":2071.22,"end":2071.46,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.056601136922836304},{"word":"kinda","start":2071.46,"end":2071.78,"confidence":0.96435547,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07275032252073288},{"word":"keep","start":2071.78,"end":2072.02,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0645020380616188},{"word":"your","start":2072.02,"end":2072.26,"confidence":0.89990234,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12372288107872008},{"word":"take","start":2072.26,"end":2072.42,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09994705021381378},{"word":"home","start":2072.42,"end":2072.74,"confidence":0.9970703,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.08192087709903717},{"word":"pay","start":2072.74,"end":2073.06,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08364425599575043},{"word":"at","start":2073.06,"end":2073.22,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07729426771402359},{"word":"the","start":2073.22,"end":2073.3801,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08471629023551941},{"word":"level","start":2073.3801,"end":2073.7,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.10771998763084412},{"word":"it","start":2073.7,"end":2073.86,"confidence":0.82714844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07220196723937988},{"word":"was","start":2073.86,"end":2074.26,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04101146012544632},{"word":"pre","start":2074.26,"end":2074.74,"confidence":0.6660156,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.046054963022470474},{"word":"this","start":2074.74,"end":2074.9001,"confidence":0.2861328,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0224134624004364},{"word":"pre","start":2075.06,"end":2075.56,"confidence":0.8671875,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.004657573997974396},{"word":"injury","start":2075.62,"end":2076.12,"confidence":0.8737793,"punctuated_word":"injury.","sentiment":"neutral","sentiment_score":0.02977844700217247},{"word":"but","start":2077.22,"end":2077.46,"confidence":0.9589844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06764991581439972},{"word":"this","start":2077.46,"end":2077.7,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0592276006937027},{"word":"sort","start":2077.7,"end":2077.86,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08124688267707825},{"word":"of","start":2077.86,"end":2078.02,"confidence":0.9316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0689818263053894},{"word":"shows","start":2078.02,"end":2078.26,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.05665278807282448},{"word":"you","start":2078.26,"end":2078.5,"confidence":0.6711426,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.068794384598732},{"word":"so","start":2078.5,"end":2078.74,"confidence":0.49609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10079699754714966},{"word":"with","start":2078.74,"end":2078.98,"confidence":0.9267578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0982660874724388},{"word":"your","start":2078.98,"end":2079.48,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08481673896312714},{"word":"original","start":2080.655,"end":2081.135,"confidence":1.0,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.05378646403551102},{"word":"income","start":2081.135,"end":2081.635,"confidence":0.99194336,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0739201009273529},{"word":"your","start":2081.775,"end":2082.175,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0930190086364746},{"word":"normal","start":2082.175,"end":2082.575,"confidence":0.9980469,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.10078135132789612},{"word":"employer","start":2082.575,"end":2082.9749,"confidence":0.90234375,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.03740592673420906},{"word":"sg","start":2082.9749,"end":2083.295,"confidence":0.42456055,"punctuated_word":"SG","sentiment":"neutral","sentiment_score":0.05755363404750824},{"word":"contributions","start":2083.295,"end":2083.795,"confidence":0.9921875,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.05886607617139816},{"word":"would","start":2083.935,"end":2084.095,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08632595092058182},{"word":"be","start":2084.095,"end":2084.255,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08582472801208496},{"word":"up","start":2084.255,"end":2084.415,"confidence":0.97509766,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.05398103594779968},{"word":"to","start":2084.415,"end":2084.4949,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06686343252658844},{"word":"about","start":2084.4949,"end":2084.815,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06827066838741302},{"word":"9,079","start":2084.815,"end":2086.335,"confidence":0.93007815,"punctuated_word":"9,079","sentiment":"neutral","sentiment_score":0.06825979799032211},{"word":"there","start":2086.335,"end":2086.835,"confidence":0.986084,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0713118314743042},{"word":"we're","start":2086.9749,"end":2087.215,"confidence":0.9797363,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.14067667722702026},{"word":"increasing","start":2087.215,"end":2087.695,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.1745409369468689},{"word":"your","start":2087.695,"end":2087.935,"confidence":0.9243164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22829130291938785},{"word":"salary","start":2087.935,"end":2088.335,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.09837735444307329},{"word":"sacrifice","start":2088.335,"end":2088.835,"confidence":0.9667969,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.11898289620876312},{"word":"from","start":2088.895,"end":2089.135,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16329103708267212},{"word":"the","start":2089.135,"end":2089.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12469668686389924},{"word":"5,200","start":2089.295,"end":2090.575,"confidence":0.99975586,"punctuated_word":"5,200","sentiment":"neutral","sentiment_score":0.1265656352043152},{"word":"to","start":2090.575,"end":2090.815,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08348843455314636},{"word":"$15.07","start":2090.815,"end":2091.615,"confidence":0.99560547,"punctuated_word":"$15.07","sentiment":"neutral","sentiment_score":0.10565648972988129},{"word":"$3.09","start":2091.615,"end":2092.175,"confidence":0.9904785,"punctuated_word":"$3.09","sentiment":"neutral","sentiment_score":0.14492841064929962},{"word":"over","start":2092.175,"end":2092.415,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20731870830059052},{"word":"the","start":2092.415,"end":2092.4949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12947078049182892},{"word":"course","start":2092.4949,"end":2092.815,"confidence":1.0,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.16047537326812744},{"word":"of","start":2092.815,"end":2092.9749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1525886356830597},{"word":"the","start":2092.9749,"end":2093.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12928950786590576},{"word":"year","start":2093.135,"end":2093.55,"confidence":0.9104004,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.15888193249702454},{"word":"and","start":2093.71,"end":2093.95,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1998669058084488},{"word":"that","start":2093.95,"end":2094.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17808040976524353},{"word":"increases","start":2094.19,"end":2094.6702,"confidence":0.83740234,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":0.15870662033557892},{"word":"your","start":2094.6702,"end":2094.99,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.224496066570282},{"word":"contributions","start":2094.99,"end":2095.49,"confidence":0.9970703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.17461946606636047},{"word":"from","start":2095.71,"end":2096.19,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21581889688968656},{"word":"what","start":2096.19,"end":2096.43,"confidence":0.8959961,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20700885355472565},{"word":"would","start":2096.43,"end":2096.59,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17108909785747528},{"word":"be","start":2096.59,"end":2096.75,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22060903906822205},{"word":"$13,007.03","start":2096.75,"end":2098.43,"confidence":0.99495447,"punctuated_word":"$13,007.03","sentiment":"neutral","sentiment_score":0.1608058661222458},{"word":"6","start":2098.43,"end":2098.83,"confidence":1.0,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.1417923867702484},{"word":"up","start":2098.83,"end":2098.99,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14291495084762573},{"word":"to","start":2098.99,"end":2099.1501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17835532128810885},{"word":"24,817","start":2099.1501,"end":2101.49,"confidence":0.9958496,"punctuated_word":"24,817.","sentiment":"neutral","sentiment_score":0.18310627341270447},{"word":"so","start":2101.55,"end":2101.95,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5086561441421509},{"word":"it's","start":2101.95,"end":2102.19,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6244121789932251},{"word":"a","start":2102.19,"end":2102.35,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6607257723808289},{"word":"good","start":2102.35,"end":2102.59,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6460665464401245},{"word":"increase","start":2102.59,"end":2102.99,"confidence":1.0,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.7557907700538635},{"word":"on","start":2102.99,"end":2103.1501,"confidence":0.9267578,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.8163577318191528},{"word":"your","start":2103.1501,"end":2103.3901,"confidence":0.9921875,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7504017949104309},{"word":"contributions","start":2103.3901,"end":2103.8901,"confidence":0.95166016,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.6639097332954407},{"word":"there","start":2104.03,"end":2104.19,"confidence":0.63183594,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.6126865148544312},{"word":"there's","start":2104.19,"end":2104.43,"confidence":0.8186035,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.32194387912750244},{"word":"more","start":2104.43,"end":2104.6702,"confidence":0.6533203,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.25819337368011475},{"word":"money","start":2104.6702,"end":2105.07,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.28801214694976807},{"word":"going","start":2105.07,"end":2105.3901,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.37123599648475647},{"word":"into","start":2105.3901,"end":2105.87,"confidence":0.984375,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3708241581916809},{"word":"super","start":2105.87,"end":2106.37,"confidence":0.8557129,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.35139936208724976},{"word":"it","start":2107.035,"end":2107.115,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.235424280166626},{"word":"does","start":2107.115,"end":2107.4348,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1978209912776947},{"word":"increase","start":2107.4348,"end":2107.835,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.19979402422904968},{"word":"the","start":2107.835,"end":2107.9949,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23717635869979856},{"word":"income","start":2107.9949,"end":2108.4749,"confidence":0.5751953,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12499625980854034},{"word":"the","start":2108.635,"end":2108.9548,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07818686217069626},{"word":"tax","start":2108.9548,"end":2109.275,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.17338016629219055},{"word":"side","start":2109.275,"end":2109.515,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.16090849041938782},{"word":"of","start":2109.515,"end":2109.595,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1194859966635704},{"word":"things","start":2109.595,"end":2110.095,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10061460733413696},{"word":"on","start":2110.2349,"end":2110.4749,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11149901896715164},{"word":"the","start":2110.4749,"end":2110.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10032450407743454},{"word":"contributions","start":2110.795,"end":2111.295,"confidence":0.7145996,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.06282830238342285},{"word":"so","start":2111.595,"end":2112.095,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11485966295003892},{"word":"what","start":2112.155,"end":2112.315,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11319327354431152},{"word":"you","start":2112.315,"end":2112.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11162570118904114},{"word":"would","start":2112.555,"end":2112.7148,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0991927832365036},{"word":"currently","start":2112.7148,"end":2113.115,"confidence":0.9980469,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.05105037987232208},{"word":"be","start":2113.115,"end":2113.1948,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07479740679264069},{"word":"paying","start":2113.1948,"end":2113.4348,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.059689827263355255},{"word":"at","start":2113.4348,"end":2113.675,"confidence":0.8286133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08433637022972107},{"word":"2,060","start":2113.675,"end":2114.795,"confidence":0.8918457,"punctuated_word":"2,060","sentiment":"neutral","sentiment_score":0.10467317700386047},{"word":"based","start":2114.795,"end":2115.035,"confidence":0.9770508,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.09389916062355042},{"word":"on","start":2115.035,"end":2115.1948,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10679075866937636},{"word":"your","start":2115.1948,"end":2115.675,"confidence":0.8496094,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.09746739268302916},{"word":"you","start":2115.675,"end":2115.835,"confidence":0.8964844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0701112300157547},{"word":"know","start":2115.835,"end":2116.155,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08096897602081299},{"word":"current","start":2116.155,"end":2116.655,"confidence":0.98291016,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.05027804151177406},{"word":"employer","start":2117.355,"end":2117.755,"confidence":0.8496094,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.05795963481068611},{"word":"contributions","start":2117.755,"end":2118.255,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.05698799341917038},{"word":"and","start":2118.7148,"end":2119.2148,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0697544664144516},{"word":"current","start":2120.13,"end":2120.45,"confidence":0.9921875,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.04791068285703659},{"word":"salary","start":2120.45,"end":2120.95,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.039763838052749634},{"word":"sacrifice","start":2121.01,"end":2121.51,"confidence":0.84228516,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":0.08874915540218353},{"word":"it","start":2121.65,"end":2121.8098,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14271624386310575},{"word":"does","start":2121.8098,"end":2122.0498,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.13628816604614258},{"word":"go","start":2122.0498,"end":2122.2898,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11112377047538756},{"word":"up","start":2122.2898,"end":2122.3699,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13703061640262604},{"word":"to","start":2122.3699,"end":2122.5298,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13718239963054657},{"word":"3,072","start":2122.5298,"end":2124.0498,"confidence":0.9477051,"punctuated_word":"3,072,","sentiment":"neutral","sentiment_score":0.11061999201774596},{"word":"but","start":2124.0498,"end":2124.45,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06133054941892624},{"word":"you","start":2124.45,"end":2124.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03214532136917114},{"word":"can","start":2124.69,"end":2124.7698,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05263816937804222},{"word":"sort","start":2124.7698,"end":2125.01,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04543212056159973},{"word":"of","start":2125.01,"end":2125.17,"confidence":0.8286133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035940490663051605},{"word":"see","start":2125.17,"end":2125.3298,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05092963203787803},{"word":"the","start":2125.3298,"end":2125.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027968399226665497},{"word":"difference","start":2125.49,"end":2125.97,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.03167027235031128},{"word":"there","start":2125.97,"end":2126.3699,"confidence":0.9926758,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.030482925474643707},{"word":"the","start":2126.3699,"end":2126.8699,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04970642924308777},{"word":"the","start":2127.25,"end":2127.49,"confidence":0.7446289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08477479964494705},{"word":"tax","start":2127.49,"end":2127.99,"confidence":0.9873047,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.043655335903167725},{"word":"at","start":2128.13,"end":2128.21,"confidence":0.7109375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11167947202920914},{"word":"15%","start":2128.21,"end":2129.01,"confidence":0.9980469,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":-0.04635458439588547},{"word":"on","start":2129.01,"end":2129.17,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09180154651403429},{"word":"the","start":2129.17,"end":2129.3298,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09754714369773863},{"word":"super","start":2129.3298,"end":2129.65,"confidence":0.9921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0504123717546463},{"word":"contributions","start":2129.65,"end":2130.15,"confidence":0.93847656,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.021959155797958377},{"word":"is","start":2130.2898,"end":2130.5298,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10206650197505952},{"word":"only","start":2130.5298,"end":2130.8499,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.13792778551578522},{"word":"very","start":2130.8499,"end":2131.0898,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.1322215497493744},{"word":"minimal","start":2131.0898,"end":2131.5698,"confidence":0.99902344,"punctuated_word":"minimal","sentiment":"neutral","sentiment_score":-0.1938803791999817},{"word":"compared","start":2131.5698,"end":2131.89,"confidence":0.9970703,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.1108727604150772},{"word":"to","start":2131.89,"end":2132.0498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0856921523809433},{"word":"what","start":2132.0498,"end":2132.21,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.047299765050411224},{"word":"you","start":2132.21,"end":2132.3699,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019811101257801056},{"word":"would","start":2132.3699,"end":2132.6099,"confidence":0.9448242,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.029991336166858673},{"word":"be","start":2132.6099,"end":2132.7698,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03915829211473465},{"word":"paying","start":2132.7698,"end":2133.01,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.01546565443277359},{"word":"in","start":2133.01,"end":2133.17,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05354416370391846},{"word":"your","start":2133.17,"end":2133.41,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.027661152184009552},{"word":"own","start":2133.41,"end":2133.65,"confidence":0.9980469,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.024829059839248657},{"word":"name","start":2133.65,"end":2134.0498,"confidence":0.982666,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":-0.03814273700118065},{"word":"so","start":2134.0498,"end":2134.5498,"confidence":0.94873047,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.03686780482530594},{"word":"yeah","start":2136.2751,"end":2136.5952,"confidence":0.9699707,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.060456015169620514},{"word":"so","start":2136.5952,"end":2136.8352,"confidence":0.9785156,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.061784714460372925},{"word":"like","start":2136.8352,"end":2137.0752,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06818599998950958},{"word":"with","start":2137.0752,"end":2137.3152,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08110916614532471},{"word":"the","start":2137.3152,"end":2137.5552,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08689233660697937},{"word":"pre","start":2137.5552,"end":2138.0552,"confidence":0.64404297,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.06203864514827728},{"word":"disability","start":2138.115,"end":2138.615,"confidence":0.9980469,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.014301002025604248},{"word":"income","start":2138.675,"end":2138.995,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0636693686246872},{"word":"on","start":2138.995,"end":2139.155,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10520344972610474},{"word":"the","start":2139.155,"end":2139.3152,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.090115025639534},{"word":"proposed","start":2139.3152,"end":2139.8152,"confidence":0.9941406,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.09521932899951936},{"word":"base","start":2140.2751,"end":2140.5952,"confidence":0.5751953,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.0942077860236168},{"word":"salary","start":2140.5952,"end":2141.0752,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.06902103126049042},{"word":"of","start":2141.0752,"end":2141.235,"confidence":0.7763672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10357408225536346},{"word":"$75,006.55","start":2141.235,"end":2143.235,"confidence":0.99890137,"punctuated_word":"$75,006.55","sentiment":"neutral","sentiment_score":0.11037930101156236},{"word":"there","start":2143.235,"end":2143.735,"confidence":0.91918945,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.08172114938497543},{"word":"the","start":2143.875,"end":2144.0352,"confidence":0.8857422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0018522590398788452},{"word":"tax","start":2144.0352,"end":2144.355,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06310604512691498},{"word":"on","start":2144.355,"end":2144.5151,"confidence":0.90283203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.012453198432922363},{"word":"the","start":2144.5151,"end":2144.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0007460489869117737},{"word":"income","start":2144.675,"end":2145.175,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.02251209318637848},{"word":"or","start":2147.235,"end":2147.475,"confidence":0.45629883,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04117634147405624},{"word":"the","start":2147.475,"end":2147.715,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03569933772087097},{"word":"current","start":2147.715,"end":2148.0352,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02463415265083313},{"word":"scenario","start":2148.0352,"end":2148.435,"confidence":0.87231445,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.057903166860342026},{"word":"even","start":2148.435,"end":2148.675,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.06535902619361877},{"word":"though","start":2148.675,"end":2148.8352,"confidence":0.984375,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.041465580463409424},{"word":"it's","start":2148.8352,"end":2148.995,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07779240608215332},{"word":"a","start":2148.995,"end":2149.0752,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09751038253307344},{"word":"little","start":2149.0752,"end":2149.235,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.052493706345558167},{"word":"bit","start":2149.235,"end":2149.395,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.056601159274578094},{"word":"lower","start":2149.395,"end":2149.875,"confidence":0.93359375,"punctuated_word":"lower,","sentiment":"neutral","sentiment_score":0.07328741252422333},{"word":"current","start":2149.875,"end":2150.195,"confidence":0.94921875,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.10268530994653702},{"word":"tax","start":2150.195,"end":2150.49,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12316393107175828},{"word":"is","start":2150.57,"end":2150.73,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12817484140396118},{"word":"10,140","start":2150.73,"end":2152.59,"confidence":0.9868571,"punctuated_word":"10,140.","sentiment":"neutral","sentiment_score":0.15913236141204834},{"word":"it","start":2152.77,"end":2153.27,"confidence":0.71435547,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.18522290885448456},{"word":"reduces","start":2153.45,"end":2153.95,"confidence":0.9951172,"punctuated_word":"reduces","sentiment":"neutral","sentiment_score":0.12647375464439392},{"word":"down","start":2154.17,"end":2154.49,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15956363081932068},{"word":"after","start":2154.49,"end":2154.81,"confidence":0.9902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.18923351168632507},{"word":"we","start":2154.81,"end":2154.97,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15765629708766937},{"word":"increase","start":2154.97,"end":2155.3699,"confidence":0.71875,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.12273934483528136},{"word":"salary","start":2155.3699,"end":2155.8699,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.05070623755455017},{"word":"sacrifice","start":2155.93,"end":2156.43,"confidence":0.96777344,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.10244934260845184},{"word":"to","start":2156.81,"end":2157.05,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14335685968399048},{"word":"8,124","start":2157.05,"end":2159.13,"confidence":0.981829,"punctuated_word":"8,124.","sentiment":"neutral","sentiment_score":0.11861535161733627},{"word":"so","start":2159.13,"end":2159.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18048906326293945},{"word":"you're","start":2159.77,"end":2160.09,"confidence":0.99365234,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3282672166824341},{"word":"saving","start":2160.09,"end":2160.59,"confidence":1.0,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.35205695033073425},{"word":"easy","start":2161.05,"end":2161.3699,"confidence":0.48754883,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.41155603528022766},{"word":"just","start":2161.3699,"end":2161.61,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17030884325504303},{"word":"under","start":2161.61,"end":2162.01,"confidence":0.9499512,"punctuated_word":"under,","sentiment":"neutral","sentiment_score":0.1974450051784515},{"word":"you","start":2162.01,"end":2162.17,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10933893918991087},{"word":"know","start":2162.17,"end":2162.41,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1159757524728775},{"word":"$3","start":2162.41,"end":2163.05,"confidence":0.9995117,"punctuated_word":"$3","sentiment":"neutral","sentiment_score":0.12986701726913452},{"word":"in","start":2163.05,"end":2163.29,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09671875089406969},{"word":"tax","start":2163.29,"end":2163.61,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12439201027154922},{"word":"there","start":2163.61,"end":2164.11,"confidence":0.88378906,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0957927703857422},{"word":"and","start":2164.65,"end":2164.89,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06617747247219086},{"word":"you're","start":2164.89,"end":2165.13,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07342802733182907},{"word":"only","start":2165.13,"end":2165.45,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.018607866019010544},{"word":"increasing","start":2165.45,"end":2165.93,"confidence":0.9980469,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.02891724370419979},{"word":"it","start":2165.93,"end":2166.43,"confidence":0.9458008,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09098989516496658},{"word":"yeah","start":2166.625,"end":2166.945,"confidence":0.99902344,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12502357363700867},{"word":"increasing","start":2166.945,"end":2167.425,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.1585424840450287},{"word":"it","start":2167.425,"end":2167.5051,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16022378206253052},{"word":"by","start":2167.5051,"end":2167.745,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.10576283931732178},{"word":"less","start":2167.745,"end":2167.905,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.14681366086006165},{"word":"than","start":2167.905,"end":2168.0652,"confidence":0.99609375,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.15211865305900574},{"word":"a","start":2168.0652,"end":2168.225,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15644200146198273},{"word":"thousand","start":2168.225,"end":2168.5452,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.1504037380218506},{"word":"dollars","start":2168.5452,"end":2168.865,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.157710462808609},{"word":"when","start":2168.865,"end":2169.105,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1811428964138031},{"word":"it","start":2169.105,"end":2169.185,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.180829256772995},{"word":"is","start":2169.185,"end":2169.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1258656531572342},{"word":"taxed","start":2169.425,"end":2169.745,"confidence":0.9819336,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.18264272809028623},{"word":"inside","start":2169.745,"end":2170.225,"confidence":0.9970703,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.1996212899684906},{"word":"super","start":2170.225,"end":2170.625,"confidence":0.57873535,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.1671554446220398},{"word":"so","start":2170.625,"end":2171.105,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27192074060440063},{"word":"it","start":2171.105,"end":2171.2651,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29000183939933777},{"word":"does","start":2171.2651,"end":2171.5051,"confidence":0.99316406,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.33600062131881714},{"word":"make","start":2171.5051,"end":2171.745,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22693248093128204},{"word":"quite","start":2171.745,"end":2171.905,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.39240995049476624},{"word":"a","start":2171.905,"end":2171.985,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35791587829589844},{"word":"bit","start":2171.985,"end":2172.225,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2257414609193802},{"word":"of","start":2172.225,"end":2172.3052,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28749826550483704},{"word":"a","start":2172.3052,"end":2172.465,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2945694923400879},{"word":"difference","start":2172.465,"end":2172.7852,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.2220902144908905},{"word":"on","start":2172.7852,"end":2172.945,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2994599938392639},{"word":"the","start":2172.945,"end":2173.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2709740400314331},{"word":"tax","start":2173.105,"end":2173.425,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.30945101380348206},{"word":"side","start":2173.425,"end":2173.665,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.3129590153694153},{"word":"of","start":2173.665,"end":2173.745,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.31010526418685913},{"word":"things","start":2173.745,"end":2174.0652,"confidence":0.95874023,"punctuated_word":"things,","sentiment":"positive","sentiment_score":0.3690773844718933},{"word":"which","start":2174.0652,"end":2174.3052,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5065431594848633},{"word":"is","start":2174.3052,"end":2174.385,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5721093416213989},{"word":"good","start":2174.385,"end":2174.885,"confidence":0.8725586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4161936640739441},{"word":"and","start":2175.345,"end":2175.5852,"confidence":0.96875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2941652536392212},{"word":"having","start":2175.5852,"end":2175.905,"confidence":0.99902344,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3452530801296234},{"word":"more","start":2175.905,"end":2176.225,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.28603461384773254},{"word":"money","start":2176.225,"end":2176.625,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.29189634323120117},{"word":"inside","start":2176.625,"end":2177.105,"confidence":1.0,"punctuated_word":"inside","sentiment":"positive","sentiment_score":0.3885148763656616},{"word":"super","start":2177.105,"end":2177.605,"confidence":0.73876953,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.30388009548187256},{"word":"where","start":2178.145,"end":2178.385,"confidence":0.96875,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.31003063917160034},{"word":"it","start":2178.385,"end":2178.5452,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4077943563461304},{"word":"is","start":2178.5452,"end":2178.705,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3253331184387207},{"word":"concessionally","start":2178.705,"end":2179.205,"confidence":0.9538574,"punctuated_word":"concessionally","sentiment":"neutral","sentiment_score":0.26384466886520386},{"word":"tax","start":2179.345,"end":2179.65,"confidence":0.5949707,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.23885135352611545},{"word":"means","start":2179.89,"end":2180.13,"confidence":0.6166992,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.19680118560791016},{"word":"that","start":2180.13,"end":2180.21,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2169826477766037},{"word":"there's","start":2180.21,"end":2180.45,"confidence":0.99316406,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.25659364461898804},{"word":"more","start":2180.45,"end":2180.69,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2251540571451187},{"word":"money","start":2180.69,"end":2181.01,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.19979295134544373},{"word":"invested","start":2181.01,"end":2181.49,"confidence":0.97631836,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.030235381796956062},{"word":"so","start":2181.49,"end":2181.65,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055451586842536926},{"word":"when","start":2181.65,"end":2181.8098,"confidence":0.9863281,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.012307651340961456},{"word":"you","start":2181.8098,"end":2181.97,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03467072546482086},{"word":"think","start":2181.97,"end":2182.21,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04142500460147858},{"word":"about","start":2182.21,"end":2182.45,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03675948828458786},{"word":"the","start":2182.45,"end":2182.93,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04942122846841812},{"word":"increasing","start":2182.93,"end":2183.41,"confidence":0.99609375,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.12839674949645996},{"word":"of","start":2183.41,"end":2183.5698,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09297813475131989},{"word":"the","start":2183.5698,"end":2183.8098,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10886771231889723},{"word":"contributions","start":2183.8098,"end":2184.3098,"confidence":0.9589844,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.1122535988688469},{"word":"as","start":2184.5298,"end":2184.69,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11095577478408812},{"word":"much","start":2184.69,"end":2184.93,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14419914782047272},{"word":"as","start":2184.93,"end":2185.0898,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1389411836862564},{"word":"you're","start":2185.0898,"end":2185.25,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1676507443189621},{"word":"taking","start":2185.25,"end":2185.5698,"confidence":0.99902344,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.1892549991607666},{"word":"a","start":2185.5698,"end":2185.65,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1334236115217209},{"word":"little","start":2185.65,"end":2185.89,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07505793869495392},{"word":"bit","start":2185.89,"end":2186.13,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07208756357431412},{"word":"out","start":2186.13,"end":2186.2898,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.13246598839759827},{"word":"to","start":2186.2898,"end":2186.5298,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08823636174201965},{"word":"replenish","start":2186.5298,"end":2187.01,"confidence":0.99609375,"punctuated_word":"replenish","sentiment":"neutral","sentiment_score":0.1641353815793991},{"word":"your","start":2187.01,"end":2187.17,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13230636715888977},{"word":"income","start":2187.17,"end":2187.65,"confidence":0.99902344,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.07377637922763824},{"word":"you're","start":2187.65,"end":2187.8098,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01619737595319748},{"word":"not","start":2187.8098,"end":2188.0498,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.02407100796699524},{"word":"taking","start":2188.0498,"end":2188.45,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.010948210954666138},{"word":"out","start":2188.45,"end":2188.69,"confidence":0.9902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.030928701162338257},{"word":"as","start":2188.69,"end":2188.8499,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02101534605026245},{"word":"much","start":2188.8499,"end":2189.01,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01422002911567688},{"word":"as","start":2189.01,"end":2189.17,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06350287050008774},{"word":"you're","start":2189.17,"end":2189.41,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11614090204238892},{"word":"putting","start":2189.41,"end":2189.8098,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.13359278440475464},{"word":"in","start":2189.8098,"end":2190.13,"confidence":0.97314453,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.09066356718540192},{"word":"so","start":2190.13,"end":2190.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.189825102686882},{"word":"because","start":2190.8499,"end":2191.0898,"confidence":0.59033203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1557685285806656},{"word":"it's","start":2191.0898,"end":2191.41,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3446440100669861},{"word":"tax","start":2191.41,"end":2191.73,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.48812416195869446},{"word":"free","start":2191.73,"end":2191.97,"confidence":0.9941406,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.3513096570968628},{"word":"when","start":2191.97,"end":2192.13,"confidence":0.88671875,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.38414445519447327},{"word":"it","start":2192.13,"end":2192.2898,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3944758176803589},{"word":"comes","start":2192.2898,"end":2192.69,"confidence":1.0,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.35119643807411194},{"word":"out","start":2192.69,"end":2193.19,"confidence":0.99853516,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.3091210126876831},{"word":"we","start":2193.2751,"end":2193.435,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2672894597053528},{"word":"can","start":2193.435,"end":2193.595,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2778806686401367},{"word":"take","start":2193.595,"end":2193.915,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.5033766031265259},{"word":"less","start":2193.915,"end":2194.235,"confidence":0.9980469,"punctuated_word":"less","sentiment":"positive","sentiment_score":0.386104553937912},{"word":"out","start":2194.235,"end":2194.395,"confidence":0.9892578,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5090384483337402},{"word":"than","start":2194.395,"end":2194.635,"confidence":0.9921875,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4236942231655121},{"word":"we","start":2194.635,"end":2194.7952,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.46353310346603394},{"word":"need","start":2194.7952,"end":2194.955,"confidence":1.0,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.4912025034427643},{"word":"to","start":2194.955,"end":2195.0352,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4458531141281128},{"word":"put","start":2195.0352,"end":2195.195,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.3650556802749634},{"word":"in","start":2195.195,"end":2195.355,"confidence":0.8347168,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.35311681032180786},{"word":"so","start":2195.355,"end":2195.5151,"confidence":0.99609375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.49165773391723633},{"word":"you're","start":2195.5151,"end":2195.675,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5406819581985474},{"word":"putting","start":2195.675,"end":2195.995,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.5584383010864258},{"word":"more","start":2195.995,"end":2196.235,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5499318242073059},{"word":"money","start":2196.235,"end":2196.475,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.6599612832069397},{"word":"in","start":2196.475,"end":2196.635,"confidence":0.8469238,"punctuated_word":"in.","sentiment":"positive","sentiment_score":0.6231645345687866},{"word":"it's","start":2196.635,"end":2196.955,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5169504284858704},{"word":"taxed","start":2196.955,"end":2197.2751,"confidence":0.87353516,"punctuated_word":"taxed","sentiment":"positive","sentiment_score":0.537369430065155},{"word":"more","start":2197.2751,"end":2197.5151,"confidence":0.9980469,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4085547029972077},{"word":"concessionally","start":2197.5151,"end":2198.0151,"confidence":0.82128906,"punctuated_word":"concessionally,","sentiment":"positive","sentiment_score":0.43833455443382263},{"word":"but","start":2198.955,"end":2199.115,"confidence":0.63183594,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.4402279555797577},{"word":"then","start":2199.115,"end":2199.2751,"confidence":0.9980469,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.5526978969573975},{"word":"you're","start":2199.2751,"end":2199.5151,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.656835675239563},{"word":"also","start":2199.5151,"end":2199.835,"confidence":0.9980469,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.6229169964790344},{"word":"saving","start":2199.835,"end":2200.3152,"confidence":0.9892578,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.5701463222503662},{"word":"on","start":2200.3152,"end":2200.395,"confidence":0.9970703,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.7358667254447937},{"word":"your","start":2200.395,"end":2200.635,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7066962122917175},{"word":"insurance","start":2200.635,"end":2201.115,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"positive","sentiment_score":0.6426839232444763},{"word":"premiums","start":2201.115,"end":2201.615,"confidence":0.9951172,"punctuated_word":"premiums","sentiment":"positive","sentiment_score":0.6569705605506897},{"word":"and","start":2201.675,"end":2201.835,"confidence":0.9892578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6368089914321899},{"word":"the","start":2201.835,"end":2202.075,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6666377782821655},{"word":"fees","start":2202.075,"end":2202.395,"confidence":0.93115234,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.6146947741508484},{"word":"for","start":2202.395,"end":2202.5552,"confidence":0.9819336,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6529726386070251},{"word":"the","start":2202.5552,"end":2202.715,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6359955668449402},{"word":"investments","start":2202.715,"end":2203.215,"confidence":0.45214844,"punctuated_word":"investments,","sentiment":"positive","sentiment_score":0.5359002351760864},{"word":"which","start":2203.355,"end":2203.5151,"confidence":0.9770508,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6221938729286194},{"word":"as","start":2203.5151,"end":2203.835,"confidence":0.6694336,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6087058782577515},{"word":"well","start":2203.835,"end":2204.335,"confidence":0.9946289,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5088086128234863},{"word":"so","start":2204.475,"end":2204.7952,"confidence":0.9951172,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5707062482833862},{"word":"all","start":2204.7952,"end":2204.875,"confidence":0.9291992,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5999948978424072},{"word":"in","start":2204.875,"end":2205.0352,"confidence":0.9863281,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5124688148498535},{"word":"all","start":2205.0352,"end":2205.2751,"confidence":0.98779297,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.59055495262146},{"word":"you","start":2205.2751,"end":2205.435,"confidence":0.9760742,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7391083836555481},{"word":"end","start":2205.435,"end":2205.595,"confidence":0.93847656,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.7518024444580078},{"word":"up","start":2205.595,"end":2205.7551,"confidence":0.9165039,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.728624165058136},{"word":"with","start":2205.7551,"end":2205.995,"confidence":0.9941406,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8278382420539856},{"word":"more","start":2205.995,"end":2206.155,"confidence":0.9790039,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7807013988494873},{"word":"money","start":2206.155,"end":2206.65,"confidence":0.97509766,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.7497963309288025},{"word":"retained","start":2206.73,"end":2207.0498,"confidence":0.9370117,"punctuated_word":"retained","sentiment":"positive","sentiment_score":0.8193178772926331},{"word":"inside","start":2207.0498,"end":2207.5298,"confidence":0.59729004,"punctuated_word":"inside,","sentiment":"positive","sentiment_score":0.777434766292572},{"word":"so","start":2207.5298,"end":2207.6099,"confidence":0.5180664,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.645443320274353},{"word":"if","start":2207.6099,"end":2207.69,"confidence":0.6152344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.758674681186676},{"word":"they're","start":2207.69,"end":2207.93,"confidence":0.80493164,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.773707389831543},{"word":"compounding","start":2207.93,"end":2208.43,"confidence":0.99853516,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.7742542028427124},{"word":"working","start":2208.5698,"end":2208.89,"confidence":0.54833984,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.7394134402275085},{"word":"harder","start":2208.89,"end":2209.2898,"confidence":0.9951172,"punctuated_word":"harder","sentiment":"positive","sentiment_score":0.7287790775299072},{"word":"for","start":2209.2898,"end":2209.5298,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7801206707954407},{"word":"you","start":2209.5298,"end":2209.69,"confidence":0.92211914,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.7339152097702026},{"word":"which","start":2209.69,"end":2210.01,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6676328182220459},{"word":"puts","start":2210.01,"end":2210.25,"confidence":0.7919922,"punctuated_word":"puts","sentiment":"positive","sentiment_score":0.6459197998046875},{"word":"you","start":2210.25,"end":2210.49,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7676330804824829},{"word":"in","start":2210.49,"end":2210.65,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.774885356426239},{"word":"that","start":2210.65,"end":2210.8098,"confidence":0.8881836,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6746925115585327},{"word":"better","start":2210.8098,"end":2211.0498,"confidence":0.9951172,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6150599718093872},{"word":"position","start":2211.0498,"end":2211.5298,"confidence":0.99902344,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.7222059369087219},{"word":"in","start":2211.5298,"end":2211.69,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6328218579292297},{"word":"a","start":2211.69,"end":2211.77,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5731518268585205},{"word":"couple","start":2211.77,"end":2212.01,"confidence":1.0,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.5026940107345581},{"word":"of","start":2212.01,"end":2212.0898,"confidence":0.9013672,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5385693311691284},{"word":"years'","start":2212.0898,"end":2212.41,"confidence":0.8413086,"punctuated_word":"years'","sentiment":"positive","sentiment_score":0.5120477080345154},{"word":"time","start":2212.41,"end":2212.8098,"confidence":0.98999023,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.43642985820770264},{"word":"does","start":2212.8098,"end":2213.0498,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.14897789061069489},{"word":"that","start":2213.0498,"end":2213.21,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.234115868806839},{"word":"make","start":2213.21,"end":2213.45,"confidence":0.9819336,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1599598228931427},{"word":"sense","start":2213.45,"end":2213.95,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1082669198513031},{"word":"yeah","start":2214.3298,"end":2214.8298,"confidence":0.9638672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03241824731230736},{"word":"beautiful","start":2216.89,"end":2217.39,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5882493257522583},{"word":"we","start":2218.3298,"end":2218.5698,"confidence":0.8413086,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20841574668884277},{"word":"have","start":2218.5698,"end":2218.8098,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09037437289953232},{"word":"outlined","start":2218.8098,"end":2219.3098,"confidence":0.9970703,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.16335904598236084},{"word":"that","start":2219.3699,"end":2219.77,"confidence":0.8442383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17021426558494568},{"word":"the","start":2219.77,"end":2219.93,"confidence":0.6977539,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.06200039386749267},{"word":"again","start":2219.93,"end":2220.17,"confidence":0.99853516,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.08052316308021545},{"word":"the","start":2220.17,"end":2220.41,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06857145577669144},{"word":"advantages","start":2220.41,"end":2220.91,"confidence":0.8679199,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.06821274757385254},{"word":"the","start":2221.085,"end":2221.2449,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03556780517101288},{"word":"disadvantages","start":2221.2449,"end":2221.7449,"confidence":0.99560547,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.09539759159088136},{"word":"the","start":2221.8848,"end":2221.9648,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06222344934940338},{"word":"risks","start":2221.9648,"end":2222.365,"confidence":0.9970703,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.14664959907531738},{"word":"involved","start":2222.365,"end":2222.865,"confidence":0.98999023,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":-0.07707414031028748},{"word":"obviously","start":2223.325,"end":2223.7249,"confidence":0.95458984,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.12295427918434144},{"word":"some","start":2223.7249,"end":2223.9648,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2295634001493454},{"word":"of","start":2223.9648,"end":2224.045,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28018203377723694},{"word":"the","start":2224.045,"end":2224.2048,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22677169740200043},{"word":"biggest","start":2224.2048,"end":2224.525,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.3266752362251282},{"word":"risks","start":2224.525,"end":2224.9248,"confidence":0.9980469,"punctuated_word":"risks","sentiment":"negative","sentiment_score":-0.3393271863460541},{"word":"are","start":2224.9248,"end":2225.1648,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2688923478126526},{"word":"that","start":2225.1648,"end":2225.6648,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2411985993385315},{"word":"if","start":2225.8848,"end":2226.045,"confidence":0.9003906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.31483227014541626},{"word":"your","start":2226.045,"end":2226.285,"confidence":0.99609375,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4485092759132385},{"word":"income","start":2226.285,"end":2226.605,"confidence":1.0,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.4649106562137604},{"word":"changes","start":2226.605,"end":2227.085,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.34092527627944946},{"word":"in","start":2227.085,"end":2227.2449,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3113378882408142},{"word":"the","start":2227.2449,"end":2227.4048,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25059011578559875},{"word":"shortest","start":2227.4048,"end":2227.7249,"confidence":0.8774414,"punctuated_word":"shortest","sentiment":"neutral","sentiment_score":-0.1699054092168808},{"word":"term","start":2227.7249,"end":2228.045,"confidence":0.82788086,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.169629767537117},{"word":"it","start":2228.045,"end":2228.2048,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23246043920516968},{"word":"can","start":2228.2048,"end":2228.4448,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2334731817245483},{"word":"have","start":2228.4448,"end":2228.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2254878580570221},{"word":"an","start":2228.605,"end":2228.765,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2249927520751953},{"word":"effect","start":2228.765,"end":2229.1648,"confidence":0.9873047,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.2298993468284607},{"word":"on","start":2229.1648,"end":2229.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.23401479423046112},{"word":"the","start":2229.325,"end":2229.565,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18696840107440948},{"word":"strategy","start":2229.565,"end":2229.9648,"confidence":0.7932129,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":-0.24585852026939392},{"word":"so","start":2229.9648,"end":2230.2048,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004331052303314209},{"word":"it","start":2230.2048,"end":2230.285,"confidence":0.92578125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01933581382036209},{"word":"does","start":2230.285,"end":2230.4448,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.0036410391330718994},{"word":"mean","start":2230.4448,"end":2230.6848,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.003830045461654663},{"word":"we","start":2230.6848,"end":2230.845,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.032115302979946136},{"word":"do","start":2230.845,"end":2231.005,"confidence":0.96240234,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.01028502732515335},{"word":"need","start":2231.005,"end":2231.1648,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.05474303662776947},{"word":"to","start":2231.1648,"end":2231.325,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0655006468296051},{"word":"review","start":2231.325,"end":2231.825,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.0890396237373352},{"word":"the","start":2232.045,"end":2232.2048,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08422493189573288},{"word":"strategy","start":2232.2048,"end":2232.7048,"confidence":1.0,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":-0.05213954299688339},{"word":"when","start":2232.765,"end":2232.9248,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.013802409172058104},{"word":"your","start":2232.9248,"end":2233.1648,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0041221678256988525},{"word":"income","start":2233.1648,"end":2233.565,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.013030089437961578},{"word":"does","start":2233.565,"end":2233.8848,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15247760713100433},{"word":"happen","start":2233.8848,"end":2234.2048,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.10248607397079468},{"word":"to","start":2234.2048,"end":2234.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12221342325210573},{"word":"change","start":2234.365,"end":2234.6848,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.12571042776107788},{"word":"to","start":2234.6848,"end":2234.845,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11970600485801695},{"word":"make","start":2234.845,"end":2235.005,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06268509477376938},{"word":"sure","start":2235.005,"end":2235.2449,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06125025451183319},{"word":"it","start":2235.2449,"end":2235.325,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20917193591594696},{"word":"is","start":2235.325,"end":2235.565,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15676382184028623},{"word":"working","start":2235.565,"end":2235.8848,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.24478736519813535},{"word":"and","start":2235.8848,"end":2236.045,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14397937059402466},{"word":"in","start":2236.045,"end":2236.285,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16452616453170776},{"word":"line","start":2236.285,"end":2236.785,"confidence":0.99902344,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.07184165716171265},{"word":"if","start":2237.31,"end":2237.55,"confidence":0.98535156,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.17296025156974792},{"word":"there","start":2237.55,"end":2237.79,"confidence":0.78222656,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.23870064318180084},{"word":"is","start":2237.79,"end":2237.9502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26360923051834106},{"word":"a","start":2237.9502,"end":2238.11,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3044469952583313},{"word":"discrepancy","start":2238.11,"end":2238.61,"confidence":1.0,"punctuated_word":"discrepancy","sentiment":"negative","sentiment_score":-0.43210679292678833},{"word":"on","start":2238.75,"end":2238.9102,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.4249179363250733},{"word":"your","start":2238.9102,"end":2239.07,"confidence":0.9970703,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.37329530715942383},{"word":"income","start":2239.07,"end":2239.3901,"confidence":1.0,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.3551937937736511},{"word":"and","start":2239.3901,"end":2239.55,"confidence":0.9316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1948706805706024},{"word":"you","start":2239.55,"end":2239.71,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14416170120239258},{"word":"find","start":2239.71,"end":2239.9502,"confidence":0.9716797,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.19691601395606995},{"word":"it","start":2239.9502,"end":2240.03,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2784038484096527},{"word":"doesn't","start":2240.03,"end":2240.4302,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.23860904574394223},{"word":"really","start":2240.4302,"end":2240.6702,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.39317184686660767},{"word":"hurt","start":2240.6702,"end":2240.9102,"confidence":0.9970703,"punctuated_word":"hurt","sentiment":"negative","sentiment_score":-0.44313880801200867},{"word":"that","start":2240.9102,"end":2241.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.331976979970932},{"word":"much","start":2241.07,"end":2241.3901,"confidence":0.99316406,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.28815680742263794},{"word":"then","start":2241.3901,"end":2241.79,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09765081107616425},{"word":"it","start":2241.79,"end":2241.9502,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17679747939109802},{"word":"doesn't","start":2241.9502,"end":2242.27,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.1620612591505051},{"word":"matter","start":2242.27,"end":2242.51,"confidence":0.97314453,"punctuated_word":"matter.","sentiment":"neutral","sentiment_score":-0.1810021996498108},{"word":"but","start":2242.51,"end":2242.63,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.15414252877235413},{"word":"i","start":2242.63,"end":2242.75,"confidence":0.93603516,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2436857670545578},{"word":"think","start":2242.75,"end":2242.99,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.28636327385902405},{"word":"for","start":2242.99,"end":2243.23,"confidence":0.9013672,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21049824357032776},{"word":"you","start":2243.23,"end":2243.3901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2603710889816284},{"word":"guys","start":2243.3901,"end":2243.87,"confidence":0.96191406,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":-0.13948674499988556},{"word":"if","start":2243.87,"end":2244.03,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2356330156326294},{"word":"your","start":2244.03,"end":2244.27,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3538473844528198},{"word":"income","start":2244.27,"end":2244.75,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.31394708156585693},{"word":"does","start":2244.75,"end":2245.25,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.20195700228214264},{"word":"remain","start":2245.79,"end":2246.11,"confidence":0.96972656,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":-0.32958751916885376},{"word":"at","start":2246.11,"end":2246.1902,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3168264627456665},{"word":"the","start":2246.1902,"end":2246.35,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2997843325138092},{"word":"lowest","start":2246.35,"end":2246.6702,"confidence":0.6147461,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":-0.18082991242408752},{"word":"side","start":2246.6702,"end":2246.9102,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.243473619222641},{"word":"of","start":2246.9102,"end":2247.07,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2088789939880371},{"word":"things","start":2247.07,"end":2247.55,"confidence":0.79296875,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.20427414774894712},{"word":"as","start":2247.55,"end":2247.79,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14079919457435608},{"word":"you","start":2247.79,"end":2247.9502,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2027914673089981},{"word":"and","start":2247.9502,"end":2248.11,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2796917259693146},{"word":"carrie","start":2248.11,"end":2248.4302,"confidence":0.88671875,"punctuated_word":"Carrie","sentiment":"neutral","sentiment_score":-0.1681724339723587},{"word":"have","start":2248.4302,"end":2248.59,"confidence":0.9111328,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11877807229757308},{"word":"mentioned","start":2248.59,"end":2248.9102,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":-0.07755709439516068},{"word":"in","start":2248.9102,"end":2249.07,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1815524250268936},{"word":"the","start":2249.07,"end":2249.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2117124944925308},{"word":"past","start":2249.23,"end":2249.55,"confidence":0.9970703,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":-0.2530956268310547},{"word":"it","start":2249.55,"end":2249.71,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5210776925086975},{"word":"does","start":2249.71,"end":2250.03,"confidence":1.0,"punctuated_word":"does","sentiment":"negative","sentiment_score":-0.427616834640503},{"word":"have","start":2250.03,"end":2250.1902,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.4320366680622101},{"word":"a","start":2250.1902,"end":2250.27,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.43443021178245544},{"word":"little","start":2250.27,"end":2250.51,"confidence":1.0,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.3950669467449188},{"word":"bit","start":2250.51,"end":2250.59,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.47939175367355347},{"word":"of","start":2250.59,"end":2250.75,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5603497624397278},{"word":"a","start":2250.75,"end":2250.83,"confidence":0.9892578,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5280897617340088},{"word":"hit","start":2250.83,"end":2250.99,"confidence":0.9951172,"punctuated_word":"hit","sentiment":"negative","sentiment_score":-0.5939369201660156},{"word":"on","start":2250.99,"end":2251.07,"confidence":0.9980469,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5329569578170776},{"word":"your","start":2251.07,"end":2251.23,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5912115573883057},{"word":"budget","start":2251.23,"end":2251.6301,"confidence":0.98291016,"punctuated_word":"budget","sentiment":"negative","sentiment_score":-0.5138882398605347},{"word":"at","start":2251.6301,"end":2251.71,"confidence":0.96533203,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5033312439918518},{"word":"the","start":2251.71,"end":2251.79,"confidence":0.8520508,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4701498746871948},{"word":"moment","start":2251.79,"end":2252.1902,"confidence":0.90112305,"punctuated_word":"moment.","sentiment":"negative","sentiment_score":-0.4660062789916992},{"word":"so","start":2252.1902,"end":2252.6902,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11535203456878662},{"word":"it","start":2252.9648,"end":2253.2048,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1459304839372635},{"word":"is","start":2253.2048,"end":2253.285,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13467706739902496},{"word":"wise","start":2253.285,"end":2253.765,"confidence":0.97265625,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.12261942028999329},{"word":"to","start":2253.765,"end":2253.845,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10000844299793243},{"word":"kinda","start":2253.845,"end":2254.165,"confidence":0.6621094,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.09891605377197266},{"word":"review","start":2254.165,"end":2254.645,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.11416082084178925},{"word":"that","start":2254.645,"end":2254.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17875397205352783},{"word":"prior","start":2254.885,"end":2255.125,"confidence":0.8886719,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":-0.09319978952407836},{"word":"to","start":2255.125,"end":2255.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10010862350463869},{"word":"going","start":2255.285,"end":2255.525,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12608106434345245},{"word":"into","start":2255.525,"end":2255.845,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.12942777574062347},{"word":"the","start":2255.845,"end":2256.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1061616837978363},{"word":"pension","start":2256.005,"end":2256.405,"confidence":0.984375,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.0737493634223938},{"word":"just","start":2256.405,"end":2256.645,"confidence":0.95947266,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.031449735164642334},{"word":"to","start":2256.645,"end":2256.7249,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05880475044250488},{"word":"make","start":2256.7249,"end":2256.9648,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04125656187534332},{"word":"sure","start":2256.9648,"end":2257.2048,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03788129985332489},{"word":"that","start":2257.2048,"end":2257.7048,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048011839389801025},{"word":"your","start":2258.005,"end":2258.2449,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07736586034297943},{"word":"income","start":2258.2449,"end":2258.7449,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09592553973197936},{"word":"is","start":2258.805,"end":2259.045,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0844201147556305},{"word":"staying","start":2259.045,"end":2259.4448,"confidence":0.9941406,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.16386227309703827},{"word":"where","start":2259.4448,"end":2259.765,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.27852898836135864},{"word":"we","start":2259.765,"end":2259.925,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08061744272708893},{"word":"expect","start":2259.925,"end":2260.325,"confidence":0.97509766,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.17840991914272308},{"word":"it","start":2260.325,"end":2260.4849,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0979124754667282},{"word":"to","start":2260.4849,"end":2260.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0028366297483444214},{"word":"be","start":2260.565,"end":2260.805,"confidence":0.9433594,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.1243792474269867},{"word":"and","start":2260.805,"end":2261.045,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0710827112197876},{"word":"then","start":2261.045,"end":2261.2048,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15062612295150757},{"word":"we","start":2261.2048,"end":2261.365,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07768101990222931},{"word":"can","start":2261.365,"end":2261.525,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08576416969299316},{"word":"always","start":2261.525,"end":2261.845,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.12351790070533752},{"word":"make","start":2261.845,"end":2262.165,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08697684109210968},{"word":"smaller","start":2262.165,"end":2262.645,"confidence":0.4921875,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.09466522932052612},{"word":"alterations","start":2262.645,"end":2263.145,"confidence":0.9980469,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.10106974840164185},{"word":"as","start":2263.285,"end":2263.4448,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17429021000862122},{"word":"we","start":2263.4448,"end":2263.605,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09470152854919434},{"word":"need","start":2263.605,"end":2263.845,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.151657372713089},{"word":"to","start":2263.845,"end":2264.085,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09863226115703584},{"word":"to","start":2264.085,"end":2264.165,"confidence":0.93603516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12659674882888794},{"word":"the","start":2264.165,"end":2264.405,"confidence":0.8432617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07743541896343231},{"word":"strategy","start":2264.405,"end":2264.905,"confidence":1.0,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.07339842617511749},{"word":"the","start":2266.65,"end":2266.89,"confidence":0.9760742,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.31560325622558594},{"word":"benefits","start":2266.89,"end":2267.39,"confidence":0.9970703,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.4661058187484741},{"word":"are","start":2267.45,"end":2267.69,"confidence":0.96435547,"punctuated_word":"are,","sentiment":"positive","sentiment_score":0.45201945304870605},{"word":"again","start":2267.69,"end":2268.01,"confidence":0.99853516,"punctuated_word":"again,","sentiment":"positive","sentiment_score":0.5622754096984863},{"word":"that","start":2268.01,"end":2268.17,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5682271718978882},{"word":"you","start":2268.17,"end":2268.33,"confidence":0.9951172,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6474462151527405},{"word":"save","start":2268.33,"end":2268.49,"confidence":0.9892578,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.5244174003601074},{"word":"a","start":2268.49,"end":2268.65,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5598809719085693},{"word":"bit","start":2268.65,"end":2268.89,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3769347071647644},{"word":"of","start":2268.89,"end":2269.05,"confidence":0.9941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6066105961799622},{"word":"tax","start":2269.05,"end":2269.29,"confidence":0.6883545,"punctuated_word":"tax.","sentiment":"positive","sentiment_score":0.5867372751235962},{"word":"the","start":2269.29,"end":2269.45,"confidence":0.72265625,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.46069806814193726},{"word":"tax","start":2269.45,"end":2269.69,"confidence":0.98535156,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4582859575748443},{"word":"inside","start":2269.69,"end":2270.0898,"confidence":0.86279297,"punctuated_word":"inside","sentiment":"positive","sentiment_score":0.3773233890533447},{"word":"of","start":2270.0898,"end":2270.17,"confidence":0.25268555,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3961898982524872},{"word":"super","start":2270.17,"end":2270.57,"confidence":0.46166992,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.45985686779022217},{"word":"is","start":2270.57,"end":2270.73,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3687783777713776},{"word":"15%","start":2270.73,"end":2271.53,"confidence":0.9941406,"punctuated_word":"15%","sentiment":"positive","sentiment_score":0.5029473900794983},{"word":"compared","start":2271.53,"end":2271.8499,"confidence":0.99902344,"punctuated_word":"compared","sentiment":"positive","sentiment_score":0.3341015577316284},{"word":"to","start":2271.8499,"end":2272.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.335323303937912},{"word":"your","start":2272.01,"end":2272.17,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34226757287979126},{"word":"marginal","start":2272.17,"end":2272.65,"confidence":0.7392578,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.17584042251110077},{"word":"tax","start":2272.65,"end":2272.97,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3182472288608551},{"word":"rate","start":2272.97,"end":2273.47,"confidence":0.9819336,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.32944363355636597},{"word":"that's","start":2273.93,"end":2274.25,"confidence":0.98217773,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4258946180343628},{"word":"basically","start":2274.25,"end":2274.73,"confidence":0.95703125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2651093602180481},{"word":"half","start":2274.73,"end":2274.97,"confidence":0.9941406,"punctuated_word":"half","sentiment":"positive","sentiment_score":0.5237299799919128},{"word":"your","start":2274.97,"end":2275.13,"confidence":0.93359375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4418615996837616},{"word":"marginal","start":2275.13,"end":2275.6099,"confidence":0.9892578,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.29591840505599976},{"word":"tax","start":2275.6099,"end":2275.93,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4298427104949951},{"word":"rate","start":2275.93,"end":2276.43,"confidence":0.9729004,"punctuated_word":"rate,","sentiment":"positive","sentiment_score":0.4274546504020691},{"word":"which","start":2276.49,"end":2276.73,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4017624855041504},{"word":"is","start":2276.73,"end":2277.05,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4048410654067993},{"word":"insane","start":2277.05,"end":2277.55,"confidence":0.93066406,"punctuated_word":"insane.","sentiment":"positive","sentiment_score":0.4394162595272064},{"word":"so","start":2278.365,"end":2278.605,"confidence":0.97509766,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5756680369377136},{"word":"you","start":2278.605,"end":2278.765,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6382546424865723},{"word":"do","start":2278.765,"end":2278.845,"confidence":0.9941406,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5778295993804932},{"word":"end","start":2278.845,"end":2279.085,"confidence":0.99609375,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.655440092086792},{"word":"up","start":2279.085,"end":2279.165,"confidence":0.9819336,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6238226890563965},{"word":"with","start":2279.165,"end":2279.405,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6479469537734985},{"word":"more","start":2279.405,"end":2279.565,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5801907181739807},{"word":"money","start":2279.565,"end":2280.065,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4001869261264801},{"word":"invested","start":2280.365,"end":2280.845,"confidence":0.9951172,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.55606609582901},{"word":"and","start":2280.845,"end":2281.085,"confidence":0.5385742,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6592254638671875},{"word":"compounding","start":2281.085,"end":2281.585,"confidence":0.99902344,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.6333544850349426},{"word":"forward","start":2281.645,"end":2281.965,"confidence":0.7319336,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.657116711139679},{"word":"towards","start":2281.965,"end":2282.285,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.6474875807762146},{"word":"your","start":2282.285,"end":2282.525,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6758338809013367},{"word":"future","start":2282.525,"end":2282.925,"confidence":1.0,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.5606870651245117},{"word":"goals","start":2282.925,"end":2283.425,"confidence":0.71777344,"punctuated_word":"goals.","sentiment":"positive","sentiment_score":0.5499933362007141},{"word":"and","start":2283.885,"end":2284.045,"confidence":0.9716797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.33001115918159485},{"word":"these","start":2284.045,"end":2284.285,"confidence":0.99609375,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4474186599254608},{"word":"strategies","start":2284.285,"end":2284.785,"confidence":1.0,"punctuated_word":"strategies","sentiment":"positive","sentiment_score":0.4245647192001343},{"word":"can","start":2284.845,"end":2285.085,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3470262289047241},{"word":"be","start":2285.085,"end":2285.325,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4157785773277282},{"word":"altered","start":2285.325,"end":2285.645,"confidence":0.99121094,"punctuated_word":"altered","sentiment":"positive","sentiment_score":0.5315049886703491},{"word":"and","start":2285.645,"end":2285.805,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27929526567459106},{"word":"changed","start":2285.805,"end":2286.285,"confidence":0.99609375,"punctuated_word":"changed","sentiment":"positive","sentiment_score":0.43495845794677734},{"word":"as","start":2286.285,"end":2286.445,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4303454458713531},{"word":"we","start":2286.445,"end":2286.685,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.404241144657135},{"word":"need","start":2286.685,"end":2286.845,"confidence":1.0,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.4098213016986847},{"word":"to","start":2286.845,"end":2287.085,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3082241415977478},{"word":"as","start":2287.085,"end":2287.245,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3229356110095978},{"word":"well","start":2287.245,"end":2287.565,"confidence":0.93652344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.02709733508527279},{"word":"so","start":2287.565,"end":2288.065,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03668718785047531},{"word":"we","start":2288.525,"end":2288.685,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04143642634153366},{"word":"will","start":2288.685,"end":2289.165,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03824659809470177},{"word":"review","start":2289.165,"end":2289.565,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05029910057783127},{"word":"it","start":2289.565,"end":2289.885,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.043536826968193054},{"word":"after","start":2289.885,"end":2290.125,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03095591813325882},{"word":"twelve","start":2290.125,"end":2290.445,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03554585576057434},{"word":"months","start":2290.445,"end":2290.945,"confidence":0.80566406,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.05435209721326828},{"word":"and","start":2291.0051,"end":2291.165,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05364332348108291},{"word":"then","start":2291.165,"end":2291.645,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05562768131494522},{"word":"if","start":2291.645,"end":2291.805,"confidence":0.97998047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07272624969482422},{"word":"we","start":2291.805,"end":2291.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06185324117541313},{"word":"need","start":2291.965,"end":2292.205,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.060485951602458954},{"word":"to","start":2292.205,"end":2292.445,"confidence":0.982666,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06060013175010681},{"word":"we","start":2292.445,"end":2292.525,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06700477749109268},{"word":"can","start":2292.525,"end":2292.765,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0670851543545723},{"word":"always","start":2292.765,"end":2293.085,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.0832599550485611},{"word":"go","start":2293.085,"end":2293.325,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06967145949602127},{"word":"back","start":2293.325,"end":2293.77,"confidence":0.9975586,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.05980080366134643},{"word":"refresh","start":2294.09,"end":2294.49,"confidence":1.0,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.04323413595557213},{"word":"it","start":2294.49,"end":2294.97,"confidence":0.99853516,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.06459596753120422},{"word":"change","start":2294.97,"end":2295.29,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.059180013835430145},{"word":"the","start":2295.29,"end":2295.53,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058181487023830414},{"word":"contributions","start":2295.53,"end":2296.03,"confidence":0.99658203,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.05044852942228317},{"word":"change","start":2296.25,"end":2296.57,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.06798657029867172},{"word":"what's","start":2296.57,"end":2296.8901,"confidence":0.9941406,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05029721558094025},{"word":"coming","start":2296.8901,"end":2297.1301,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.03885737061500549},{"word":"out","start":2297.1301,"end":2297.53,"confidence":0.97021484,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.059438180178403854},{"word":"and","start":2297.53,"end":2297.69,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06102725863456726},{"word":"make","start":2297.69,"end":2297.93,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08589714765548706},{"word":"sure","start":2297.93,"end":2298.17,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08529181778430939},{"word":"that","start":2298.17,"end":2298.33,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08916134387254715},{"word":"we're","start":2298.33,"end":2298.57,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08295708894729614},{"word":"always","start":2298.57,"end":2298.8901,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.07980071008205414},{"word":"altering","start":2298.8901,"end":2299.37,"confidence":0.99316406,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.07604297995567322},{"word":"it","start":2299.37,"end":2299.53,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08536768704652786},{"word":"in","start":2299.53,"end":2299.61,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06129084527492523},{"word":"line","start":2299.61,"end":2299.85,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.06983771175146103},{"word":"with","start":2299.85,"end":2300.01,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06190933659672737},{"word":"what's","start":2300.01,"end":2300.25,"confidence":0.99853516,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.055051468312740326},{"word":"happening","start":2300.25,"end":2300.65,"confidence":0.9223633,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.07151402533054352},{"word":"with","start":2300.65,"end":2300.81,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05007098615169525},{"word":"you","start":2300.81,"end":2301.21,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.051167942583560944},{"word":"okay","start":2301.21,"end":2301.71,"confidence":0.779541,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04580634832382202},{"word":"beautiful","start":2303.85,"end":2304.35,"confidence":0.986084,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6763055920600891},{"word":"beautiful","start":2304.81,"end":2305.31,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5802551507949829},{"word":"essentially","start":2306.33,"end":2306.83,"confidence":0.9086914,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.15315541625022888},{"word":"the","start":2306.97,"end":2307.1301,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12422364205121994},{"word":"only","start":2307.1301,"end":2307.29,"confidence":0.9790039,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.08403952419757843},{"word":"other","start":2307.29,"end":2307.45,"confidence":0.9248047,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07590475678443909},{"word":"thing","start":2307.45,"end":2307.69,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06768740713596344},{"word":"to","start":2307.69,"end":2307.77,"confidence":0.8911133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05806045979261398},{"word":"sort","start":2307.77,"end":2308.01,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07877778261899948},{"word":"of","start":2308.01,"end":2308.17,"confidence":0.7480469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07394709438085556},{"word":"show","start":2308.17,"end":2308.33,"confidence":0.9980469,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.04937224090099335},{"word":"you","start":2308.33,"end":2308.57,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08453340828418732},{"word":"is","start":2308.57,"end":2308.73,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06279383599758148},{"word":"if","start":2308.73,"end":2308.8901,"confidence":0.91748047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08630874752998352},{"word":"you","start":2308.8901,"end":2308.97,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08158949017524719},{"word":"go","start":2308.97,"end":2309.1301,"confidence":0.9160156,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05755346268415451},{"word":"down","start":2309.1301,"end":2309.29,"confidence":0.98291016,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08775707334280014},{"word":"to","start":2309.29,"end":2309.505,"confidence":0.41625977,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08513292670249939},{"word":"page","start":2309.585,"end":2309.7449,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09300625324249268},{"word":"number","start":2309.7449,"end":2309.9849,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.12087423354387283},{"word":"38","start":2309.9849,"end":2310.865,"confidence":0.9987793,"punctuated_word":"38,","sentiment":"neutral","sentiment_score":0.0829278752207756},{"word":"it","start":2310.865,"end":2311.105,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08479797840118408},{"word":"does","start":2311.105,"end":2311.4248,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07241857051849365},{"word":"have","start":2311.4248,"end":2311.585,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08056651055812836},{"word":"a","start":2311.585,"end":2311.7449,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06471731513738632},{"word":"breakdown","start":2311.7449,"end":2312.2449,"confidence":0.9970703,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.05263008549809456},{"word":"of","start":2312.545,"end":2312.785,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05850712954998016},{"word":"the","start":2312.785,"end":2313.105,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.055309947580099106},{"word":"investments","start":2313.105,"end":2313.605,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.02671630121767521},{"word":"and","start":2313.825,"end":2313.9849,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.057999297976493835},{"word":"how","start":2313.9849,"end":2314.2249,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.061319731175899506},{"word":"they'll","start":2314.2249,"end":2314.4648,"confidence":0.7961426,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.06200557574629784},{"word":"look","start":2314.4648,"end":2314.785,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06323445588350296},{"word":"between","start":2314.785,"end":2315.105,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.06089317053556442},{"word":"the","start":2315.105,"end":2315.1848,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06190916895866394},{"word":"two","start":2315.1848,"end":2315.4248,"confidence":0.96875,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.05256079137325287},{"word":"different","start":2315.4248,"end":2315.7449,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04551303386688232},{"word":"accounts","start":2315.7449,"end":2316.2249,"confidence":0.98535156,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.03510124236345291},{"word":"there","start":2316.2249,"end":2316.7249,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04626785218715668},{"word":"the","start":2317.265,"end":2317.505,"confidence":0.7685547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03171943500638008},{"word":"first","start":2317.505,"end":2317.7449,"confidence":0.9921875,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03830490633845329},{"word":"one","start":2317.7449,"end":2318.1448,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04509799927473068},{"word":"is","start":2318.1448,"end":2318.3848,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03582817688584328},{"word":"the","start":2318.3848,"end":2318.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04925588518381119},{"word":"ttr","start":2318.625,"end":2319.025,"confidence":0.93115234,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.04349445179104805},{"word":"pension","start":2319.025,"end":2319.505,"confidence":0.9941406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.042267151176929474},{"word":"account","start":2319.505,"end":2319.825,"confidence":0.84155273,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.04353940486907959},{"word":"the","start":2319.825,"end":2319.9849,"confidence":0.9838867,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05807417631149292},{"word":"investments","start":2319.9849,"end":2320.4849,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.030312614515423775},{"word":"are","start":2320.7048,"end":2320.865,"confidence":0.9667969,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.043707575649023056},{"word":"as","start":2320.865,"end":2321.105,"confidence":0.9741211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07732617855072021},{"word":"per","start":2321.105,"end":2321.345,"confidence":0.96875,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.08459021151065826},{"word":"the","start":2321.345,"end":2321.505,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06554441154003143},{"word":"switch","start":2321.505,"end":2321.9048,"confidence":0.96435547,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.048306096345186234},{"word":"noted","start":2321.9048,"end":2322.2249,"confidence":0.9980469,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.07911057025194168},{"word":"above","start":2322.2249,"end":2322.7249,"confidence":0.88720703,"punctuated_word":"above,","sentiment":"neutral","sentiment_score":0.08066060394048691},{"word":"but","start":2322.94,"end":2323.18,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06618740409612656},{"word":"just","start":2323.18,"end":2323.26,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06994126737117767},{"word":"showing","start":2323.26,"end":2323.66,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.0674624815583229},{"word":"that","start":2323.66,"end":2323.9001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06906893104314804},{"word":"you'll","start":2323.9001,"end":2324.06,"confidence":0.99560547,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.07396785169839859},{"word":"see","start":2324.06,"end":2324.3801,"confidence":0.97631836,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.09370851516723631},{"word":"you","start":2324.3801,"end":2324.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07359486818313599},{"word":"know","start":2324.54,"end":2324.94,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08297999948263168},{"word":"the","start":2324.94,"end":2325.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07268914580345154},{"word":"investments","start":2325.18,"end":2325.66,"confidence":0.97509766,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.027646273374557495},{"word":"between","start":2325.66,"end":2325.9001,"confidence":0.9951172,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.03500109538435936},{"word":"the","start":2325.9001,"end":2326.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04703207686543465},{"word":"two","start":2326.06,"end":2326.22,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04786146432161331},{"word":"different","start":2326.22,"end":2326.54,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.03793114423751831},{"word":"accounts","start":2326.54,"end":2326.94,"confidence":0.9941406,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.04008860141038895},{"word":"there","start":2326.94,"end":2327.44,"confidence":0.9243164,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04463514685630798},{"word":"you","start":2327.98,"end":2328.1401,"confidence":0.7285156,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.037270016968250275},{"word":"do","start":2328.1401,"end":2328.22,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.031073233112692833},{"word":"pay","start":2328.22,"end":2328.46,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.03712330758571625},{"word":"the","start":2328.46,"end":2328.7,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03161485493183136},{"word":"ongoing","start":2328.7,"end":2329.18,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.022554779425263405},{"word":"service","start":2329.18,"end":2329.58,"confidence":0.9980469,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.009485650807619097},{"word":"fee","start":2329.58,"end":2329.74,"confidence":0.99902344,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.02977757155895233},{"word":"of","start":2329.74,"end":2329.98,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016400933265686035},{"word":"1.6","start":2329.98,"end":2330.7,"confidence":0.9871419,"punctuated_word":"1.6","sentiment":"neutral","sentiment_score":0.02910085767507553},{"word":"oh","start":2330.94,"end":2331.02,"confidence":0.7408447,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.04309133440256119},{"word":"sorry","start":2331.02,"end":2331.34,"confidence":0.88793945,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.012818465009331703},{"word":"1.1%","start":2331.34,"end":2332.96,"confidence":0.98813474,"punctuated_word":"1.1%.","sentiment":"neutral","sentiment_score":0.028348319232463837},{"word":"that","start":2333.58,"end":2333.82,"confidence":0.9873047,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.022646034136414528},{"word":"will","start":2333.82,"end":2334.1401,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03042982518672943},{"word":"remain","start":2334.1401,"end":2334.6401,"confidence":0.7277832,"punctuated_word":"remain.","sentiment":"neutral","sentiment_score":0.028084691613912582},{"word":"it's","start":2334.7,"end":2334.94,"confidence":0.8034668,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04157990962266922},{"word":"that's","start":2335.02,"end":2335.26,"confidence":0.99316406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.044314514845609665},{"word":"the","start":2335.26,"end":2335.42,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03976855054497719},{"word":"joint","start":2335.42,"end":2335.82,"confidence":0.9970703,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.055109113454818726},{"word":"because","start":2335.82,"end":2336.1401,"confidence":0.82128906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04180355370044708},{"word":"you","start":2336.1401,"end":2336.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07969126850366592},{"word":"and","start":2336.3,"end":2336.46,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05267342925071716},{"word":"carrie","start":2336.46,"end":2336.78,"confidence":0.7714844,"punctuated_word":"Carrie","sentiment":"neutral","sentiment_score":0.04621416702866554},{"word":"are","start":2336.78,"end":2337.02,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05240366235375405},{"word":"both","start":2337.02,"end":2337.345,"confidence":0.9980469,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06523875147104263},{"word":"clients","start":2337.345,"end":2337.665,"confidence":0.74609375,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":0.031934697180986404},{"word":"so","start":2337.665,"end":2337.825,"confidence":0.6855469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03424745053052902},{"word":"1.1%","start":2337.825,"end":2339.265,"confidence":0.99785155,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.03893192112445831},{"word":"per","start":2339.265,"end":2339.425,"confidence":0.9873047,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.04642646014690399},{"word":"annum","start":2339.425,"end":2339.925,"confidence":0.9479167,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.04322778433561325},{"word":"and","start":2340.145,"end":2340.305,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05402405187487602},{"word":"that","start":2340.305,"end":2340.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05322098731994629},{"word":"is","start":2340.385,"end":2340.625,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04450329393148422},{"word":"deducted","start":2340.625,"end":2341.105,"confidence":0.99121094,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.041401199996471405},{"word":"in","start":2341.105,"end":2341.185,"confidence":0.94189453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04867081344127655},{"word":"smaller","start":2341.185,"end":2341.505,"confidence":0.7631836,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.04064001142978668},{"word":"monthly","start":2341.505,"end":2341.9849,"confidence":0.9970703,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.03021472878754139},{"word":"increments","start":2341.9849,"end":2342.465,"confidence":0.98828125,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.0326889231801033},{"word":"there","start":2342.465,"end":2342.625,"confidence":0.96606445,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.034123506397008896},{"word":"so","start":2342.625,"end":2342.785,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03870531544089317},{"word":"that","start":2342.785,"end":2342.945,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.046257540583610535},{"word":"is","start":2342.945,"end":2343.265,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04197058826684952},{"word":"essentially","start":2343.265,"end":2343.665,"confidence":0.96972656,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.04561962187290192},{"word":"prorated","start":2343.665,"end":2344.165,"confidence":0.92041016,"punctuated_word":"prorated","sentiment":"neutral","sentiment_score":0.04172810912132263},{"word":"across","start":2344.305,"end":2344.625,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.04099886491894722},{"word":"the","start":2344.625,"end":2344.785,"confidence":0.8852539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043759141117334366},{"word":"both","start":2344.785,"end":2345.025,"confidence":0.984375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04280642420053482},{"word":"accounts","start":2345.025,"end":2345.345,"confidence":0.7753906,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.051369473338127136},{"word":"the","start":2345.345,"end":2345.585,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07098446041345596},{"word":"super","start":2345.585,"end":2345.825,"confidence":0.7973633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06072764843702316},{"word":"and","start":2345.825,"end":2346.065,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05133067071437836},{"word":"the","start":2346.065,"end":2346.145,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07577662914991379},{"word":"tcr","start":2346.145,"end":2346.645,"confidence":0.86743164,"punctuated_word":"TCR","sentiment":"neutral","sentiment_score":0.026949439197778705},{"word":"pension","start":2346.705,"end":2347.105,"confidence":0.9941406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.035862814635038376},{"word":"account","start":2347.105,"end":2347.605,"confidence":0.83447266,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.03458673506975174},{"word":"and","start":2348.145,"end":2348.305,"confidence":0.7348633,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.036610718816518784},{"word":"that's","start":2348.305,"end":2348.625,"confidence":0.9277344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04430421441793442},{"word":"sort","start":2348.625,"end":2348.865,"confidence":0.89501953,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04246434569358826},{"word":"of","start":2348.865,"end":2349.025,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.038626812398433685},{"word":"showing","start":2349.025,"end":2349.505,"confidence":0.99902344,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.04403003305196762},{"word":"on","start":2349.505,"end":2350.005,"confidence":0.9819336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.046569183468818665},{"word":"page","start":2350.35,"end":2350.75,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.05334000289440155},{"word":"number","start":2350.75,"end":2351.1501,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.056636158376932144},{"word":"40","start":2351.1501,"end":2351.55,"confidence":0.9506836,"punctuated_word":"40.","sentiment":"neutral","sentiment_score":0.04752672463655472},{"word":"we've","start":2351.55,"end":2351.79,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.06252580136060715},{"word":"got","start":2351.79,"end":2352.11,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07753637433052063},{"word":"another","start":2352.11,"end":2352.4302,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.050291527062654495},{"word":"sort","start":2352.4302,"end":2352.6702,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.044967859983444214},{"word":"of","start":2352.6702,"end":2352.83,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0461752749979496},{"word":"fee","start":2352.83,"end":2353.07,"confidence":0.8520508,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.052491672337055206},{"word":"comparison","start":2353.07,"end":2353.57,"confidence":0.99902344,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.03409114480018616},{"word":"table","start":2353.79,"end":2354.11,"confidence":0.99902344,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.04816699773073197},{"word":"there","start":2354.11,"end":2354.61,"confidence":0.9436035,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.06822288036346436},{"word":"and","start":2355.07,"end":2355.2302,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05810762569308281},{"word":"that","start":2355.2302,"end":2355.3901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0792953372001648},{"word":"shows","start":2355.3901,"end":2355.79,"confidence":0.9970703,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.05748818814754486},{"word":"the","start":2355.79,"end":2356.03,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048800669610500336},{"word":"adviser","start":2356.03,"end":2356.51,"confidence":0.9394531,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.043559711426496506},{"word":"fee","start":2356.51,"end":2356.75,"confidence":0.8178711,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.05035455897450447},{"word":"spread","start":2356.75,"end":2357.07,"confidence":0.9980469,"punctuated_word":"spread","sentiment":"neutral","sentiment_score":0.040207553654909134},{"word":"across","start":2357.07,"end":2357.3901,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.03112415410578251},{"word":"the","start":2357.3901,"end":2357.55,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04606473445892334},{"word":"two","start":2357.55,"end":2357.7102,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04320119693875313},{"word":"accounts","start":2357.7102,"end":2358.11,"confidence":0.9970703,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.03665174916386604},{"word":"there","start":2358.11,"end":2358.35,"confidence":0.9819336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06355594098567963},{"word":"for","start":2358.35,"end":2358.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06367179751396179},{"word":"you","start":2358.51,"end":2359.01,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0565168596804142},{"word":"we're","start":2359.87,"end":2360.1902,"confidence":0.9914551,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.05628952383995056},{"word":"opening","start":2360.1902,"end":2360.6702,"confidence":1.0,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.06536173820495605},{"word":"up","start":2360.6702,"end":2360.83,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08131927251815796},{"word":"a","start":2360.83,"end":2361.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07815185934305191},{"word":"secondary","start":2361.07,"end":2361.57,"confidence":1.0,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.07985647767782211},{"word":"account","start":2361.6301,"end":2361.9502,"confidence":0.85424805,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.0572708435356617},{"word":"so","start":2361.9502,"end":2362.1902,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07119064778089523},{"word":"it","start":2362.1902,"end":2362.35,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07000654190778732},{"word":"does","start":2362.35,"end":2362.59,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07233348488807678},{"word":"mean","start":2362.59,"end":2362.99,"confidence":0.9980469,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.05572978779673576},{"word":"once","start":2362.99,"end":2363.2302,"confidence":0.6958008,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.07709123939275742},{"word":"we","start":2363.2302,"end":2363.4702,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06277724355459213},{"word":"open","start":2363.4702,"end":2363.7102,"confidence":0.90722656,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.048980459570884705},{"word":"the","start":2363.7102,"end":2363.87,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06113412231206894},{"word":"two","start":2363.87,"end":2364.03,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.048735760152339935},{"word":"accounts","start":2364.03,"end":2364.35,"confidence":0.9855957,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.0467168390750885},{"word":"you","start":2364.35,"end":2364.51,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06644914299249649},{"word":"have","start":2364.51,"end":2364.83,"confidence":0.64160156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06489162147045135},{"word":"one","start":2364.83,"end":2365.07,"confidence":0.8535156,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0661877989768982},{"word":"ttr","start":2365.07,"end":2365.55,"confidence":0.6542969,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.03223269060254097},{"word":"pension","start":2365.55,"end":2366.05,"confidence":0.9980469,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.031645745038986206},{"word":"account","start":2366.085,"end":2366.325,"confidence":0.9831543,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.0441906563937664},{"word":"one","start":2366.325,"end":2366.4849,"confidence":0.98828125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0632123202085495},{"word":"super","start":2366.4849,"end":2366.9849,"confidence":0.96240234,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04856166988611221},{"word":"accumulation","start":2367.045,"end":2367.545,"confidence":0.7973633,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.05243014171719551},{"word":"account","start":2367.765,"end":2368.085,"confidence":0.75634766,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.03858580440282822},{"word":"so","start":2368.085,"end":2368.2449,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04640587046742439},{"word":"you","start":2368.2449,"end":2368.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04893416166305542},{"word":"will","start":2368.405,"end":2368.565,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.049957275390625},{"word":"pay","start":2368.565,"end":2368.7249,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04254014790058136},{"word":"a","start":2368.7249,"end":2368.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0526241660118103},{"word":"bit","start":2368.885,"end":2369.045,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.015508294105529783},{"word":"more","start":2369.045,"end":2369.205,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.009985335171222689},{"word":"in","start":2369.205,"end":2369.365,"confidence":0.9370117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029606319963932037},{"word":"admin","start":2369.365,"end":2369.765,"confidence":0.9941406,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.04026681929826737},{"word":"fees","start":2369.765,"end":2370.085,"confidence":0.9892578,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.028774453327059742},{"word":"across","start":2370.085,"end":2370.405,"confidence":0.9970703,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.019539497792720795},{"word":"the","start":2370.405,"end":2370.565,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02108468860387802},{"word":"two","start":2370.565,"end":2370.885,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.020577680319547653},{"word":"investment","start":2370.885,"end":2371.365,"confidence":0.8232422,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.007245905697345734},{"word":"fees","start":2371.365,"end":2371.865,"confidence":0.984375,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.021215738728642464},{"word":"across","start":2372.405,"end":2372.7249,"confidence":0.5209961,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.03552447631955147},{"word":"the","start":2372.7249,"end":2372.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03363554924726486},{"word":"two","start":2372.885,"end":2373.125,"confidence":0.9226074,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.025308698415756226},{"word":"but","start":2373.125,"end":2373.445,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0536934919655323},{"word":"overall","start":2373.445,"end":2373.945,"confidence":0.7507324,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.058154214173555374},{"word":"the","start":2374.325,"end":2374.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058315109461545944},{"word":"admin","start":2374.565,"end":2374.885,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.015241749584674835},{"word":"fees","start":2374.885,"end":2375.205,"confidence":0.94628906,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.025958947837352753},{"word":"oh","start":2375.365,"end":2375.445,"confidence":0.6846924,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.06934972107410431},{"word":"sorry","start":2375.445,"end":2375.685,"confidence":0.9394531,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.03222300857305527},{"word":"the","start":2375.685,"end":2375.845,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0835181251168251},{"word":"investment","start":2375.845,"end":2376.325,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02543843537569046},{"word":"fees","start":2376.325,"end":2376.565,"confidence":0.97265625,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05999581515789032},{"word":"are","start":2376.565,"end":2376.7249,"confidence":0.8364258,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07104605436325073},{"word":"still","start":2376.7249,"end":2376.9648,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09886100888252258},{"word":"gonna","start":2376.9648,"end":2377.205,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13070158660411835},{"word":"be","start":2377.205,"end":2377.445,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1121036484837532},{"word":"saved","start":2377.445,"end":2377.945,"confidence":0.9970703,"punctuated_word":"saved","sentiment":"neutral","sentiment_score":0.06331436336040497},{"word":"because","start":2378.4849,"end":2378.885,"confidence":0.9404297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0566735565662384},{"word":"the","start":2378.885,"end":2379.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1483445167541504},{"word":"portfolio","start":2379.285,"end":2379.785,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08980917185544968},{"word":"that","start":2379.925,"end":2380.085,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.165187805891037},{"word":"we're","start":2380.085,"end":2380.325,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14893360435962677},{"word":"investing","start":2380.325,"end":2380.7249,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.07911046594381332},{"word":"in","start":2380.7249,"end":2380.9648,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1167830154299736},{"word":"is","start":2380.9648,"end":2381.205,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.099357008934021},{"word":"overall","start":2381.205,"end":2381.685,"confidence":0.98095703,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.1190689504146576},{"word":"cheaper","start":2381.685,"end":2382.06,"confidence":0.9304199,"punctuated_word":"cheaper.","sentiment":"neutral","sentiment_score":0.07406209409236908},{"word":"okay","start":2382.62,"end":2383.12,"confidence":0.92700195,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05844661593437195},{"word":"beautiful","start":2384.54,"end":2385.04,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.28563112020492554},{"word":"and","start":2385.98,"end":2386.1401,"confidence":0.74658203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0899437665939331},{"word":"then","start":2386.1401,"end":2386.62,"confidence":0.9387207,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.07533617317676544},{"word":"yeah","start":2386.62,"end":2386.86,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05287908762693405},{"word":"the","start":2386.86,"end":2387.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02352900058031082},{"word":"portfolio","start":2387.1,"end":2387.6,"confidence":0.82788086,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.0026278533041477203},{"word":"we","start":2387.6602,"end":2387.82,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.011648043990135191},{"word":"do","start":2387.82,"end":2388.06,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.019131913781166077},{"word":"sort","start":2388.06,"end":2388.22,"confidence":0.9589844,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01252421736717224},{"word":"of","start":2388.22,"end":2388.3,"confidence":0.61035156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0016688257455825806},{"word":"hope","start":2388.3,"end":2388.54,"confidence":0.94140625,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.01365307718515396},{"word":"works","start":2388.54,"end":2388.78,"confidence":0.82177734,"punctuated_word":"works","sentiment":"neutral","sentiment_score":-0.0017793476581573486},{"word":"a","start":2388.78,"end":2388.86,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03302197530865669},{"word":"little","start":2388.86,"end":2389.1,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04594753682613373},{"word":"bit","start":2389.1,"end":2389.26,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06956680119037628},{"word":"harder","start":2389.26,"end":2389.58,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.010363936424255373},{"word":"for","start":2389.58,"end":2389.74,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0023602917790412903},{"word":"you","start":2389.74,"end":2389.9001,"confidence":0.99658203,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.011068105697631836},{"word":"we","start":2389.9001,"end":2390.06,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.049896277487277985},{"word":"can","start":2390.06,"end":2390.22,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07907326519489288},{"word":"do","start":2390.22,"end":2390.3801,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08161073923110962},{"word":"catch","start":2390.3801,"end":2390.62,"confidence":0.99121094,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.03845006972551346},{"word":"ups","start":2390.62,"end":2390.86,"confidence":0.8828125,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.04474785551428795},{"word":"as","start":2390.86,"end":2391.1,"confidence":0.9741211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0741267055273056},{"word":"we're","start":2391.1,"end":2391.26,"confidence":0.9199219,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06756721436977386},{"word":"going","start":2391.26,"end":2391.5,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09417350590229034},{"word":"through","start":2391.5,"end":2391.82,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08257506787776947},{"word":"to","start":2391.82,"end":2391.9001,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07136952877044678},{"word":"see","start":2391.9001,"end":2392.1401,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.053185079246759415},{"word":"how","start":2392.1401,"end":2392.3,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.042549289762973785},{"word":"things","start":2392.3,"end":2392.54,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08298774063587189},{"word":"are","start":2392.54,"end":2392.78,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04447603225708008},{"word":"working","start":2392.78,"end":2393.28,"confidence":0.99902344,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.0565885454416275},{"word":"did","start":2393.82,"end":2393.98,"confidence":0.9819336,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.005365533754229546},{"word":"you","start":2393.98,"end":2394.1401,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01127919927239418},{"word":"want","start":2394.1401,"end":2394.3,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.009408647194504738},{"word":"me","start":2394.3,"end":2394.46,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.016664251685142517},{"word":"to","start":2394.46,"end":2394.62,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01504894532263279},{"word":"maybe","start":2394.62,"end":2394.86,"confidence":0.97509766,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.020081758499145508},{"word":"look","start":2394.86,"end":2395.02,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02030356600880623},{"word":"at","start":2395.02,"end":2395.1802,"confidence":0.9589844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025647539645433422},{"word":"doing","start":2395.1802,"end":2395.5,"confidence":0.99609375,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.03614772856235504},{"word":"catch","start":2395.5,"end":2395.74,"confidence":0.9970703,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.025554053485393524},{"word":"ups","start":2395.74,"end":2395.98,"confidence":0.9921875,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":0.032834894955158234},{"word":"with","start":2395.98,"end":2396.22,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.036381322890520096},{"word":"you","start":2396.22,"end":2396.46,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04137183725833893},{"word":"maybe","start":2396.46,"end":2396.7,"confidence":0.8178711,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03777635842561722},{"word":"once","start":2396.7,"end":2397.02,"confidence":0.9902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06923586875200272},{"word":"every","start":2397.02,"end":2397.26,"confidence":0.9863281,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.03997188061475754},{"word":"six","start":2397.26,"end":2397.555,"confidence":0.6801758,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.029023390263319016},{"word":"months","start":2397.7148,"end":2397.875,"confidence":0.9980469,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.02839270792901516},{"word":"to","start":2397.875,"end":2398.035,"confidence":0.9580078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03624066337943077},{"word":"sort","start":2398.035,"end":2398.275,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.031541720032691956},{"word":"of","start":2398.275,"end":2398.4348,"confidence":0.76123047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037993282079696655},{"word":"see","start":2398.4348,"end":2398.595,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.034121815115213394},{"word":"how","start":2398.595,"end":2398.755,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.03189409524202347},{"word":"things","start":2398.755,"end":2399.075,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05390459299087525},{"word":"are","start":2399.075,"end":2399.2349,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0289529487490654},{"word":"traveling","start":2399.2349,"end":2399.555,"confidence":0.85546875,"punctuated_word":"traveling","sentiment":"neutral","sentiment_score":0.028578370809555057},{"word":"and","start":2399.555,"end":2399.7148,"confidence":0.8647461,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022935912013053898},{"word":"then","start":2399.7148,"end":2399.875,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.031138604506850243},{"word":"a","start":2399.875,"end":2400.035,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01754353940486908},{"word":"full","start":2400.035,"end":2400.1948,"confidence":0.9760742,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.03972142934799194},{"word":"annual","start":2400.1948,"end":2400.595,"confidence":0.23486328,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.0441475436091423},{"word":"review","start":2400.595,"end":2400.835,"confidence":0.9902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.012212581001222134},{"word":"in","start":2400.835,"end":2400.9949,"confidence":0.51123047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006928734481334686},{"word":"twelve","start":2400.9949,"end":2401.315,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.0005092751234769821},{"word":"months","start":2401.315,"end":2401.635,"confidence":0.9433594,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.007267411798238754},{"word":"would","start":2401.635,"end":2401.875,"confidence":0.99609375,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0002203136682510376},{"word":"that","start":2401.875,"end":2402.115,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014749348163604736},{"word":"be","start":2402.115,"end":2402.355,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.015427572652697563},{"word":"okay","start":2402.355,"end":2402.835,"confidence":0.9995117,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.0008763717487454414},{"word":"yep","start":2402.835,"end":2403.335,"confidence":0.61413574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.049682460725307465},{"word":"yep","start":2403.9548,"end":2404.4548,"confidence":0.80200195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02786862291395664},{"word":"beautiful","start":2404.515,"end":2405.015,"confidence":0.99365234,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6657922863960266},{"word":"and","start":2405.795,"end":2406.035,"confidence":0.85058594,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3768160343170166},{"word":"i'll","start":2406.035,"end":2406.275,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2984919548034668},{"word":"make","start":2406.275,"end":2406.4348,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2945757806301117},{"word":"a","start":2406.4348,"end":2406.595,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2671884298324585},{"word":"note","start":2406.595,"end":2406.835,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.20299945771694183},{"word":"here","start":2406.835,"end":2407.075,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.201718345284462},{"word":"that","start":2407.075,"end":2407.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17443378269672394},{"word":"the","start":2407.315,"end":2407.4749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12860599160194397},{"word":"first","start":2407.4749,"end":2407.7148,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.0843842551112175},{"word":"thing","start":2407.7148,"end":2407.875,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12933506071567535},{"word":"we'll","start":2407.875,"end":2408.1948,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11749081313610076},{"word":"look","start":2408.1948,"end":2408.355,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10849201679229736},{"word":"at","start":2408.355,"end":2408.4348,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08889948576688766},{"word":"doing","start":2408.4348,"end":2408.755,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.12812650203704834},{"word":"take","start":2409.075,"end":2409.315,"confidence":0.9921875,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15050451457500458},{"word":"some","start":2409.315,"end":2409.4749,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14616058766841888},{"word":"time","start":2409.4749,"end":2409.7148,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1369985193014145},{"word":"to","start":2409.7148,"end":2409.795,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15733131766319275},{"word":"read","start":2409.795,"end":2409.9548,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.14175844192504883},{"word":"it","start":2409.9548,"end":2410.115,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13473518192768097},{"word":"through","start":2410.115,"end":2410.355,"confidence":0.9802246,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.13754092156887054},{"word":"let","start":2410.355,"end":2410.515,"confidence":0.99902344,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.09881044179201126},{"word":"me","start":2410.515,"end":2410.675,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10364094376564026},{"word":"know","start":2410.675,"end":2410.755,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.10698441416025162},{"word":"if","start":2410.755,"end":2410.915,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09286576509475708},{"word":"you","start":2410.915,"end":2410.9949,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10754323750734328},{"word":"do","start":2410.9949,"end":2411.155,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08367419987916946},{"word":"happen","start":2411.155,"end":2411.4749,"confidence":0.99902344,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.09762060642242432},{"word":"to","start":2411.4749,"end":2411.555,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09829135984182358},{"word":"have","start":2411.555,"end":2411.7148,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07677249610424042},{"word":"any","start":2411.7148,"end":2411.875,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06713579595088959},{"word":"questions","start":2411.875,"end":2412.275,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06596088409423828},{"word":"there","start":2412.275,"end":2412.775,"confidence":0.9970703,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.08062086999416351},{"word":"we'll","start":2413.26,"end":2413.34,"confidence":0.99853516,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.05920540541410446},{"word":"start","start":2413.34,"end":2413.66,"confidence":0.99121094,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.0376855842769146},{"word":"by","start":2413.66,"end":2413.82,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0419628843665123},{"word":"just","start":2413.82,"end":2413.98,"confidence":0.9770508,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05969838052988053},{"word":"doing","start":2413.98,"end":2414.3,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06744059920310974},{"word":"the","start":2414.3,"end":2414.46,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06624159216880798},{"word":"investment","start":2414.46,"end":2414.86,"confidence":0.85546875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.025806954130530357},{"word":"switch","start":2414.86,"end":2415.1,"confidence":0.98828125,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.0387784019112587},{"word":"on","start":2415.1,"end":2415.34,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05401023477315903},{"word":"the","start":2415.34,"end":2415.5,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058370549231767654},{"word":"account","start":2415.5,"end":2415.9001,"confidence":0.99316406,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0364648699760437},{"word":"to","start":2415.9001,"end":2416.1401,"confidence":0.9580078,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.067823126912117},{"word":"you","start":2416.1401,"end":2416.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060331493616104126},{"word":"know","start":2416.3,"end":2416.62,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05555197596549988},{"word":"remove","start":2416.62,"end":2416.94,"confidence":0.99902344,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.04619340226054192},{"word":"the","start":2416.94,"end":2417.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04154045879840851},{"word":"underperforming","start":2417.1,"end":2417.6,"confidence":0.99121094,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":0.01630287989974022},{"word":"investments","start":2417.82,"end":2418.3,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.013521939516067503},{"word":"and","start":2418.3,"end":2418.46,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05426573008298874},{"word":"complete","start":2418.46,"end":2418.86,"confidence":0.99902344,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.05957171693444252},{"word":"the","start":2418.86,"end":2419.02,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06579236686229706},{"word":"switch","start":2419.02,"end":2419.34,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.03688797727227211},{"word":"there","start":2419.34,"end":2419.84,"confidence":0.8688965,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05200517922639847},{"word":"and","start":2420.06,"end":2420.22,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03666088730096817},{"word":"then","start":2420.22,"end":2420.3801,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04597094282507896},{"word":"we","start":2420.3801,"end":2420.54,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03893250972032547},{"word":"go","start":2420.54,"end":2420.7,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.038540277630090714},{"word":"into","start":2420.7,"end":2421.02,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0453949049115181},{"word":"the","start":2421.02,"end":2421.1,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058072496205568314},{"word":"pension","start":2421.1,"end":2421.58,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.02964289672672749},{"word":"account","start":2421.58,"end":2421.98,"confidence":0.9387207,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.035700567066669464},{"word":"so","start":2421.98,"end":2422.3801,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.053996481001377106},{"word":"once","start":2422.3801,"end":2422.62,"confidence":0.6586914,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.05431210249662399},{"word":"you","start":2422.62,"end":2422.78,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05500094965100288},{"word":"get","start":2422.78,"end":2422.94,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05116443336009979},{"word":"your","start":2422.94,"end":2423.18,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05893966555595398},{"word":"first","start":2423.18,"end":2423.42,"confidence":0.9921875,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.046575479209423065},{"word":"payslip","start":2423.42,"end":2423.9001,"confidence":0.89575195,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.03765235468745232},{"word":"after","start":2423.9001,"end":2424.22,"confidence":0.984375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04439043998718262},{"word":"going","start":2424.22,"end":2424.54,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04623987153172493},{"word":"back","start":2424.54,"end":2424.7,"confidence":0.99194336,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.057985562831163406},{"word":"if","start":2424.7,"end":2424.86,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06296201050281525},{"word":"you","start":2424.86,"end":2425.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05375431105494499},{"word":"can","start":2425.02,"end":2425.18,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05431550741195679},{"word":"just","start":2425.18,"end":2425.42,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.059470415115356445},{"word":"shoot","start":2425.42,"end":2425.66,"confidence":0.98291016,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.05647682026028633},{"word":"that","start":2425.66,"end":2425.82,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07104004919528961},{"word":"through","start":2425.82,"end":2426.1401,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04728835448622704},{"word":"to","start":2426.1401,"end":2426.22,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06355534493923187},{"word":"me","start":2426.22,"end":2426.595,"confidence":0.9248047,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.06265687942504883},{"word":"i","start":2426.595,"end":2426.755,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05944882705807686},{"word":"can","start":2426.755,"end":2426.9949,"confidence":0.9741211,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05659573152661323},{"word":"just","start":2426.9949,"end":2427.075,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0555826798081398},{"word":"run","start":2427.075,"end":2427.315,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.04966363310813904},{"word":"the","start":2427.315,"end":2427.4749,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.048866525292396545},{"word":"numbers","start":2427.4749,"end":2427.875,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.045748718082904816},{"word":"again","start":2427.875,"end":2428.195,"confidence":0.95996094,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.05593196302652359},{"word":"and","start":2428.195,"end":2428.355,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.035572029650211334},{"word":"if","start":2428.355,"end":2428.515,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024570558220148087},{"word":"there's","start":2428.515,"end":2428.755,"confidence":0.9279785,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.02198817953467369},{"word":"something","start":2428.755,"end":2429.155,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.025478066876530647},{"word":"i","start":2429.155,"end":2429.2349,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01920437812805176},{"word":"need","start":2429.2349,"end":2429.555,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.015917345881462097},{"word":"to","start":2429.555,"end":2429.715,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02064802125096321},{"word":"alter","start":2429.715,"end":2430.115,"confidence":0.9951172,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.01837475597858429},{"word":"or","start":2430.115,"end":2430.615,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011153386905789375},{"word":"change","start":2430.915,"end":2430.9949,"confidence":0.9995117,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.032019227743148804},{"word":"i","start":2431.2349,"end":2431.395,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0767667219042778},{"word":"can","start":2431.395,"end":2431.555,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06652173399925232},{"word":"just","start":2431.555,"end":2431.875,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09750485420227052},{"word":"update","start":2431.875,"end":2432.195,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.09878207743167876},{"word":"that","start":2432.195,"end":2432.355,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09561187028884888},{"word":"advice","start":2432.355,"end":2432.755,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0732678696513176},{"word":"prior","start":2432.755,"end":2433.075,"confidence":0.984375,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.06690933555364609},{"word":"to","start":2433.075,"end":2433.2349,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0806468203663826},{"word":"us","start":2433.2349,"end":2433.395,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.06644299626350403},{"word":"moving","start":2433.395,"end":2433.715,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.07270113378763199},{"word":"into","start":2433.715,"end":2433.955,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07768034189939499},{"word":"the","start":2433.955,"end":2434.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08782055974006653},{"word":"pension","start":2434.115,"end":2434.595,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.05267902836203575},{"word":"phase","start":2434.595,"end":2434.915,"confidence":0.97998047,"punctuated_word":"phase","sentiment":"neutral","sentiment_score":0.09266086667776108},{"word":"for","start":2434.915,"end":2435.075,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10081592202186584},{"word":"you","start":2435.075,"end":2435.2349,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07343202829360962},{"word":"is","start":2435.2349,"end":2435.395,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06264467537403107},{"word":"that","start":2435.395,"end":2435.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07974476367235184},{"word":"okay","start":2435.635,"end":2436.135,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.042664580047130585},{"word":"yeah","start":2436.835,"end":2437.335,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0718269795179367},{"word":"beautiful","start":2438.675,"end":2439.175,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6261537075042725},{"word":"that's","start":2439.315,"end":2439.715,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3930314481258392},{"word":"okay","start":2439.715,"end":2440.215,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2925173044204712},{"word":"i","start":2440.595,"end":2440.675,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.137989342212677},{"word":"know","start":2440.675,"end":2440.915,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.12642833590507507},{"word":"it","start":2440.915,"end":2441.075,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11277592182159424},{"word":"is","start":2441.075,"end":2441.2349,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07615026831626892},{"word":"a","start":2441.2349,"end":2441.395,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09108203649520874},{"word":"lot","start":2441.395,"end":2441.635,"confidence":0.9975586,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":0.0730644166469574},{"word":"do","start":2441.635,"end":2441.715,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.023355090990662575},{"word":"you","start":2441.715,"end":2442.03,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03252760320901871},{"word":"have","start":2442.19,"end":2442.27,"confidence":0.93408203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03504018858075142},{"word":"any","start":2442.27,"end":2442.43,"confidence":0.99316406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03158210217952728},{"word":"questions","start":2442.43,"end":2442.91,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.031110044568777084},{"word":"for","start":2442.91,"end":2443.1501,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.011250544339418411},{"word":"me","start":2443.1501,"end":2443.31,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02527443878352642},{"word":"at","start":2443.31,"end":2443.55,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.020136471837759014},{"word":"the","start":2443.55,"end":2443.71,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04719372838735581},{"word":"moment","start":2443.71,"end":2444.21,"confidence":0.95214844,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.04809883236885071},{"word":"or","start":2444.27,"end":2444.52,"confidence":0.94970703,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.001716766506433487},{"word":"yeah","start":2456.285,"end":2456.785,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002667296677827835},{"word":"yeah","start":2463.9648,"end":2464.4648,"confidence":0.89624023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023940350860357285},{"word":"yeah","start":2472.46,"end":2472.96,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06172612309455872},{"word":"perfect","start":2473.26,"end":2473.76,"confidence":0.9758301,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32581794261932373},{"word":"yep","start":2475.98,"end":2476.48,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04253314435482025},{"word":"yeah","start":2479.835,"end":2480.335,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030501589179039},{"word":"yeah","start":2484.075,"end":2484.2349,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0012942804023623466},{"word":"yeah","start":2484.2349,"end":2484.7349,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0017900224775075912},{"word":"yeah","start":2491.85,"end":2492.35,"confidence":0.8811035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016921352595090866},{"word":"yeah","start":2493.2102,"end":2493.7102,"confidence":0.982666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020553790032863617},{"word":"no","start":2494.33,"end":2494.57,"confidence":0.9238281,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.018880745396018028},{"word":"that's","start":2494.57,"end":2494.97,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2593851685523987},{"word":"perfect","start":2494.97,"end":2495.47,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.32879066467285156},{"word":"yeah","start":2497.37,"end":2497.85,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008883703500032425},{"word":"no","start":2497.85,"end":2498.09,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.016352608799934387},{"word":"that's","start":2498.09,"end":2498.4102,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8895485401153564},{"word":"absolutely","start":2498.4102,"end":2498.9102,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.8775191307067871},{"word":"perfect","start":2498.97,"end":2499.47,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.8757848739624023},{"word":"that's","start":2499.53,"end":2499.85,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.9143224954605104},{"word":"fantastic","start":2499.85,"end":2500.35,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.8655699491500854},{"word":"well","start":2501.4502,"end":2501.61,"confidence":0.9086914,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.6034724116325378},{"word":"i'm","start":2501.61,"end":2501.77,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7326138019561768},{"word":"glad","start":2501.77,"end":2502.01,"confidence":1.0,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.7826963067054749},{"word":"that","start":2502.01,"end":2502.1702,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7199650406837463},{"word":"i","start":2502.1702,"end":2502.25,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6447083950042725},{"word":"was","start":2502.25,"end":2502.525,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7676590085029602},{"word":"able","start":2502.605,"end":2502.765,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.753440797328949},{"word":"to","start":2502.765,"end":2502.9248,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8434630632400513},{"word":"put","start":2502.9248,"end":2503.005,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.8261191248893738},{"word":"this","start":2503.005,"end":2503.1648,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.7447220087051392},{"word":"together","start":2503.1648,"end":2503.565,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.7586517930030823},{"word":"for","start":2503.565,"end":2503.805,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6888341307640076},{"word":"you","start":2503.805,"end":2504.125,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.566342830657959},{"word":"again","start":2504.125,"end":2504.365,"confidence":0.99902344,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.22343483567237857},{"word":"i","start":2504.365,"end":2504.4448,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.195141077041626},{"word":"just","start":2504.4448,"end":2504.6848,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19117677211761477},{"word":"wanna","start":2504.6848,"end":2504.9248,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18856793642044067},{"word":"double","start":2504.9248,"end":2505.1648,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.16888853907585144},{"word":"check","start":2505.1648,"end":2505.4849,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1923063099384308},{"word":"the","start":2505.4849,"end":2505.565,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20535831153392792},{"word":"numbers","start":2505.565,"end":2505.885,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.20664247870445251},{"word":"on","start":2505.885,"end":2505.9648,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21259155869483948},{"word":"the","start":2505.9648,"end":2506.2048,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23775923252105713},{"word":"tcr","start":2506.2048,"end":2506.605,"confidence":0.8510742,"punctuated_word":"TCR","sentiment":"neutral","sentiment_score":0.144553542137146},{"word":"thing","start":2506.605,"end":2506.765,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.20111946761608124},{"word":"when","start":2506.765,"end":2507.005,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18162989616394043},{"word":"when","start":2507.005,"end":2507.2449,"confidence":0.96875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14938658475875854},{"word":"you","start":2507.2449,"end":2507.4048,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19071882963180545},{"word":"are","start":2507.4048,"end":2507.645,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18630294501781464},{"word":"back","start":2507.645,"end":2507.805,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15886101126670835},{"word":"on","start":2507.805,"end":2507.9648,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19130152463912964},{"word":"that","start":2507.9648,"end":2508.2048,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28204745054244995},{"word":"full","start":2508.2048,"end":2508.4448,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.26563456654548645},{"word":"time","start":2508.4448,"end":2508.605,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.26385697722435},{"word":"roster","start":2508.605,"end":2509.005,"confidence":0.9970703,"punctuated_word":"roster","sentiment":"neutral","sentiment_score":0.2683756351470947},{"word":"with","start":2509.005,"end":2509.085,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3376547694206238},{"word":"your","start":2509.085,"end":2509.2449,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2983749508857727},{"word":"first","start":2509.2449,"end":2509.4849,"confidence":0.9760742,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.22827555239200592},{"word":"payslip","start":2509.4849,"end":2509.9648,"confidence":0.76123047,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.2675105929374695},{"word":"just","start":2509.9648,"end":2510.2048,"confidence":0.8989258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29976147413253784},{"word":"to","start":2510.2048,"end":2510.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2306177169084549},{"word":"make","start":2510.285,"end":2510.4448,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19940735399723053},{"word":"sure","start":2510.4448,"end":2510.6848,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1980295181274414},{"word":"that","start":2510.6848,"end":2510.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23779648542404175},{"word":"we're","start":2510.845,"end":2511.345,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.22493955492973328},{"word":"going","start":2511.4048,"end":2511.7249,"confidence":0.99609375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2482764273881912},{"word":"in","start":2511.7249,"end":2511.885,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2501344382762909},{"word":"with","start":2511.885,"end":2512.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2601419687271118},{"word":"the","start":2512.045,"end":2512.2048,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3545440435409546},{"word":"right","start":2512.2048,"end":2512.365,"confidence":1.0,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.3889893591403961},{"word":"numbers","start":2512.365,"end":2512.6848,"confidence":0.826416,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.2364329695701599},{"word":"and","start":2512.6848,"end":2512.765,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13024640083312988},{"word":"if","start":2512.765,"end":2512.9248,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14059026539325714},{"word":"there's","start":2512.9248,"end":2513.1648,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.12986987829208374},{"word":"any","start":2513.1648,"end":2513.4048,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10352453589439392},{"word":"alterations","start":2513.4048,"end":2513.9048,"confidence":0.9873047,"punctuated_word":"alterations","sentiment":"neutral","sentiment_score":0.07972374558448792},{"word":"we","start":2513.9648,"end":2514.125,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11158811300992966},{"word":"need","start":2514.125,"end":2514.365,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.16751442849636078},{"word":"to","start":2514.365,"end":2514.4448,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15054236352443695},{"word":"make","start":2514.4448,"end":2514.84,"confidence":0.9975586,"punctuated_word":"make,","sentiment":"neutral","sentiment_score":0.18059560656547544},{"word":"i'll","start":2515.24,"end":2515.4001,"confidence":0.98535156,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21076655387878415},{"word":"do","start":2515.4001,"end":2515.56,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2829083800315857},{"word":"that","start":2515.56,"end":2515.8801,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3527444899082184},{"word":"process","start":2515.8801,"end":2516.28,"confidence":0.6069336,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.2444930374622345},{"word":"rolling","start":2516.28,"end":2516.6,"confidence":0.9838867,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.27397918701171875},{"word":"in","start":2516.6,"end":2516.76,"confidence":0.70458984,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2724594175815582},{"word":"the","start":2516.76,"end":2516.9202,"confidence":0.9194336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28785035014152527},{"word":"pension","start":2516.9202,"end":2517.32,"confidence":0.99609375,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.18424928188323977},{"word":"phase","start":2517.32,"end":2517.56,"confidence":0.99072266,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.27278488874435425},{"word":"it's","start":2517.56,"end":2517.72,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4287171959877014},{"word":"very","start":2517.72,"end":2517.9602,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.510590672492981},{"word":"easy","start":2517.9602,"end":2518.2002,"confidence":0.99902344,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.5237935781478882},{"word":"to","start":2518.2002,"end":2518.28,"confidence":0.9863281,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5060921907424927},{"word":"update","start":2518.28,"end":2518.6802,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.3042832016944885},{"word":"the","start":2518.6802,"end":2518.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3842945396900177},{"word":"advice","start":2518.84,"end":2519.24,"confidence":0.9428711,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.38468289375305176},{"word":"document","start":2519.24,"end":2519.74,"confidence":0.91186523,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.32436221837997437},{"word":"and","start":2520.6,"end":2520.84,"confidence":0.9604492,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08616536855697632},{"word":"when","start":2520.84,"end":2521.1602,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08985944092273712},{"word":"we","start":2521.1602,"end":2521.32,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08973546326160431},{"word":"do","start":2521.32,"end":2521.48,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09352480620145798},{"word":"roll","start":2521.48,"end":2521.72,"confidence":0.9790039,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.08088305592536926},{"word":"you","start":2521.72,"end":2521.8801,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07077303528785706},{"word":"into","start":2521.8801,"end":2522.12,"confidence":0.9472656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06304649263620377},{"word":"pension","start":2522.12,"end":2522.52,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.053325142711400986},{"word":"phase","start":2522.52,"end":2522.84,"confidence":0.99902344,"punctuated_word":"phase,","sentiment":"neutral","sentiment_score":0.08049522340297699},{"word":"we'll","start":2522.84,"end":2523.0,"confidence":0.9921875,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0878126323223114},{"word":"still","start":2523.0,"end":2523.24,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06979400664567947},{"word":"just","start":2523.24,"end":2523.48,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1009344756603241},{"word":"wanna","start":2523.48,"end":2523.8,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11552464962005617},{"word":"make","start":2523.8,"end":2523.9602,"confidence":0.9951172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07280890643596649},{"word":"sure","start":2523.9602,"end":2524.2002,"confidence":0.9921875,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06606917828321457},{"word":"that","start":2524.2002,"end":2524.4402,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09278147667646408},{"word":"we","start":2524.4402,"end":2524.6,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09896501898765564},{"word":"have","start":2524.6,"end":2524.84,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0997687727212906},{"word":"your","start":2524.84,"end":2525.08,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0815606638789177},{"word":"beneficiary","start":2525.08,"end":2525.58,"confidence":0.9921875,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.06832942366600037},{"word":"nominations","start":2525.8,"end":2526.3,"confidence":0.99902344,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.08804912865161896},{"word":"on","start":2526.52,"end":2526.6802,"confidence":0.97998047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07771255075931549},{"word":"there","start":2526.6802,"end":2527.0,"confidence":0.6044922,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09018413722515106},{"word":"so","start":2527.0,"end":2527.5,"confidence":0.96533203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06928835809230804},{"word":"you're","start":2527.8801,"end":2528.325,"confidence":0.9370117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06946298480033875},{"word":"comfortable","start":2528.4849,"end":2528.645,"confidence":0.9970703,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.051706477999687195},{"word":"still","start":2528.645,"end":2528.805,"confidence":0.98828125,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07221218198537827},{"word":"with","start":2528.805,"end":2529.045,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06889533996582031},{"word":"your","start":2529.045,"end":2529.285,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06872639805078506},{"word":"legal","start":2529.285,"end":2529.525,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.0689627081155777},{"word":"personal","start":2529.525,"end":2530.005,"confidence":0.9760742,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0651780292391777},{"word":"representative","start":2530.005,"end":2530.4849,"confidence":0.7208252,"punctuated_word":"representative.","sentiment":"neutral","sentiment_score":0.09271205961704254},{"word":"i","start":2530.4849,"end":2530.565,"confidence":0.9667969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1382661908864975},{"word":"know","start":2530.565,"end":2530.805,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1259826272726059},{"word":"everything","start":2530.805,"end":2531.125,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.12660397589206696},{"word":"goes","start":2531.125,"end":2531.445,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.10730375349521636},{"word":"through","start":2531.445,"end":2531.605,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1048874408006668},{"word":"your","start":2531.605,"end":2531.845,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1101262792944908},{"word":"will","start":2531.845,"end":2532.085,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13423384726047516},{"word":"for","start":2532.085,"end":2532.2449,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10912491381168364},{"word":"the","start":2532.2449,"end":2532.405,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.106900155544281},{"word":"both","start":2532.405,"end":2532.645,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.13842016458511353},{"word":"of","start":2532.645,"end":2532.805,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11367855221033096},{"word":"you","start":2532.805,"end":2533.125,"confidence":0.7741699,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12213051319122314},{"word":"so","start":2533.125,"end":2533.625,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10156518220901488},{"word":"we'll","start":2534.005,"end":2534.2449,"confidence":0.9921875,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0961599349975586},{"word":"make","start":2534.2449,"end":2534.405,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0738251805305481},{"word":"sure","start":2534.405,"end":2534.645,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08383625000715256},{"word":"on","start":2534.645,"end":2534.885,"confidence":0.96435547,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08216044306755066},{"word":"that","start":2534.885,"end":2535.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11113311350345612},{"word":"tci","start":2535.125,"end":2535.625,"confidence":0.64746094,"punctuated_word":"TCI","sentiment":"neutral","sentiment_score":0.05988225340843201},{"word":"pension","start":2535.685,"end":2536.085,"confidence":0.95166016,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.06677282601594925},{"word":"account","start":2536.085,"end":2536.325,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07016310095787048},{"word":"that","start":2536.325,"end":2536.565,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10192497074604034},{"word":"it","start":2536.565,"end":2536.7249,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0885770171880722},{"word":"does","start":2536.7249,"end":2536.9648,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.08712928742170334},{"word":"also","start":2536.9648,"end":2537.365,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07250221818685532},{"word":"have","start":2537.365,"end":2537.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07540056109428406},{"word":"your","start":2538.2449,"end":2538.4849,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06136706843972206},{"word":"legal","start":2538.4849,"end":2538.885,"confidence":1.0,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.04230664670467377},{"word":"personal","start":2538.885,"end":2539.285,"confidence":0.9970703,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.032942380756139755},{"word":"representative","start":2539.285,"end":2539.785,"confidence":0.99902344,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.036331210285425186},{"word":"noted","start":2540.005,"end":2540.405,"confidence":0.9951172,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.07382914423942566},{"word":"as","start":2540.405,"end":2540.4849,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08568506687879562},{"word":"well","start":2540.4849,"end":2540.9648,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06941806524991989},{"word":"okay","start":2540.9648,"end":2541.4648,"confidence":0.8642578,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05230347812175751},{"word":"yeah","start":2542.75,"end":2543.25,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0800960510969162},{"word":"beautiful","start":2543.7102,"end":2544.2102,"confidence":0.99560547,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5773277282714844},{"word":"beautiful","start":2544.4302,"end":2544.9302,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6775007843971252},{"word":"easy","start":2545.2302,"end":2545.7302,"confidence":0.95751953,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.5018969774246216},{"word":"that's","start":2546.4302,"end":2546.75,"confidence":0.86865234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2476738691329956},{"word":"basically","start":2546.75,"end":2547.25,"confidence":0.94628906,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.23091159760951996},{"word":"everything","start":2547.31,"end":2547.6301,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.24922099709510803},{"word":"i","start":2547.6301,"end":2547.79,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2008482813835144},{"word":"did","start":2547.79,"end":2548.03,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.17394575476646423},{"word":"have","start":2548.03,"end":2548.1902,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16481108963489532},{"word":"to","start":2548.1902,"end":2548.27,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1600983589887619},{"word":"run","start":2548.27,"end":2548.51,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.18346430361270905},{"word":"through","start":2548.51,"end":2548.75,"confidence":0.75683594,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.2040577530860901},{"word":"so","start":2548.75,"end":2548.9902,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.223257839679718},{"word":"feel","start":2548.9902,"end":2549.1501,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.17936080694198608},{"word":"free","start":2549.1501,"end":2549.31,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2139648944139481},{"word":"to","start":2549.31,"end":2549.3901,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19916366040706637},{"word":"have","start":2549.3901,"end":2549.55,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.189675435423851},{"word":"a","start":2549.55,"end":2549.6301,"confidence":0.77246094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21277660131454468},{"word":"read","start":2549.6301,"end":2549.79,"confidence":0.9404297,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.16861797869205475},{"word":"through","start":2549.79,"end":2550.03,"confidence":0.8989258,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1857578605413437},{"word":"the","start":2550.03,"end":2550.11,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.190327912569046},{"word":"document","start":2550.11,"end":2550.51,"confidence":0.9926758,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.18840152025222776},{"word":"let","start":2550.51,"end":2550.6702,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.14553648233413696},{"word":"me","start":2550.6702,"end":2550.75,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14062590897083282},{"word":"know","start":2550.75,"end":2550.9102,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.15673823654651642},{"word":"if","start":2550.9102,"end":2550.9902,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16196949779987335},{"word":"you","start":2550.9902,"end":2551.1501,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17958126962184906},{"word":"do","start":2551.1501,"end":2551.31,"confidence":0.98828125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17205111682415009},{"word":"happen","start":2551.31,"end":2551.55,"confidence":0.9892578,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.1854420006275177},{"word":"to","start":2551.55,"end":2551.7102,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21129131317138672},{"word":"have","start":2551.7102,"end":2551.79,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19553036987781525},{"word":"any","start":2551.79,"end":2552.03,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17348723113536835},{"word":"questions","start":2552.03,"end":2552.4302,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12444742023944856},{"word":"there","start":2552.4302,"end":2552.59,"confidence":0.86499023,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1411139965057373},{"word":"and","start":2552.59,"end":2552.75,"confidence":0.9880371,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.09717443585395812},{"word":"yeah","start":2552.75,"end":2552.9902,"confidence":0.99902344,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10411013662815094},{"word":"once","start":2552.9902,"end":2553.2302,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10307305306196211},{"word":"i","start":2553.2302,"end":2553.31,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08974364399909973},{"word":"get","start":2553.31,"end":2553.55,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0766950473189354},{"word":"your","start":2553.55,"end":2553.9502,"confidence":0.9243164,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07670727372169495},{"word":"next","start":2553.9502,"end":2554.27,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06456257402896881},{"word":"pay","start":2554.27,"end":2554.51,"confidence":0.7158203,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05480877682566643},{"word":"slip","start":2554.51,"end":2554.75,"confidence":0.8852539,"punctuated_word":"slip","sentiment":"neutral","sentiment_score":0.06136336177587509},{"word":"through","start":2554.75,"end":2555.25,"confidence":0.9975586,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.07966005802154541},{"word":"i'll","start":2556.285,"end":2556.785,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10216966271400452},{"word":"run","start":2556.845,"end":2557.085,"confidence":0.9165039,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.07258797436952591},{"word":"through","start":2557.085,"end":2557.2449,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07196760177612305},{"word":"the","start":2557.2449,"end":2557.405,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08666625618934631},{"word":"numbers","start":2557.405,"end":2557.7249,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.06425893306732178},{"word":"again","start":2557.7249,"end":2557.9648,"confidence":0.70617676,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.09122635424137115},{"word":"just","start":2557.9648,"end":2558.125,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08482959121465683},{"word":"double","start":2558.125,"end":2558.365,"confidence":0.99316406,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.06109330803155899},{"word":"check","start":2558.365,"end":2558.605,"confidence":0.9980469,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.05023498833179474},{"word":"everything","start":2558.605,"end":2559.085,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.08658374845981598},{"word":"for","start":2559.085,"end":2559.2449,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.045231614261865616},{"word":"you","start":2559.2449,"end":2559.4849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008532384410500526},{"word":"before","start":2559.4849,"end":2559.885,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.015379786491394045},{"word":"you","start":2559.885,"end":2559.9648,"confidence":0.7709961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013969963416457176},{"word":"roll","start":2559.9648,"end":2560.2048,"confidence":0.7949219,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.026786305010318756},{"word":"in","start":2560.2048,"end":2560.285,"confidence":0.7915039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.014207836240530014},{"word":"the","start":2560.285,"end":2560.4448,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028630759567022324},{"word":"pension","start":2560.4448,"end":2560.845,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.030793948099017143},{"word":"phase","start":2560.845,"end":2561.345,"confidence":0.9980469,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.03385050594806671},{"word":"okay","start":2561.405,"end":2561.905,"confidence":0.7060547,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.022882062941789627},{"word":"yeah","start":2562.285,"end":2562.785,"confidence":0.8457031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01847981847822666},{"word":"yep","start":2564.605,"end":2565.105,"confidence":0.84155273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04267268627882004},{"word":"yeah","start":2565.9648,"end":2566.285,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11274709552526474},{"word":"that's","start":2566.285,"end":2566.605,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18493807315826416},{"word":"absolutely","start":2566.605,"end":2567.085,"confidence":0.99316406,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.171402245759964},{"word":"fine","start":2567.085,"end":2567.325,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.20788690447807312},{"word":"take","start":2567.325,"end":2567.565,"confidence":0.99902344,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":0.1317693591117859},{"word":"some","start":2567.565,"end":2567.805,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09391967952251434},{"word":"time","start":2567.805,"end":2567.9648,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1252184808254242},{"word":"to","start":2567.9648,"end":2568.2048,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1156766712665558},{"word":"read","start":2568.2048,"end":2568.4448,"confidence":0.9892578,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.07655903697013855},{"word":"through","start":2568.4448,"end":2568.605,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09349530935287476},{"word":"this","start":2568.605,"end":2568.9248,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11764922738075256},{"word":"and","start":2568.9248,"end":2569.4248,"confidence":0.7529297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10228874534368516},{"word":"double","start":2569.78,"end":2570.1,"confidence":0.9741211,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.08152926713228226},{"word":"check","start":2570.1,"end":2570.26,"confidence":0.9980469,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.09012163430452348},{"word":"all","start":2570.26,"end":2570.5,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16001659631729126},{"word":"the","start":2570.5,"end":2570.6602,"confidence":0.8552246,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.12884779274463654},{"word":"you","start":2570.6602,"end":2570.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12416378408670424},{"word":"know","start":2570.82,"end":2571.06,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12174443900585176},{"word":"the","start":2571.06,"end":2571.3,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1176096498966217},{"word":"advantages","start":2571.3,"end":2571.8,"confidence":0.98339844,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.10881152749061584},{"word":"disadvantages","start":2571.86,"end":2572.36,"confidence":0.99316406,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.07800398766994476},{"word":"the","start":2572.5,"end":2572.6602,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12390612810850143},{"word":"risks","start":2572.6602,"end":2573.06,"confidence":0.9116211,"punctuated_word":"risks,","sentiment":"neutral","sentiment_score":0.10304073989391328},{"word":"and","start":2573.06,"end":2573.3801,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16445674002170563},{"word":"make","start":2573.3801,"end":2573.62,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15321165323257446},{"word":"sure","start":2573.62,"end":2573.78,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1991167962551117},{"word":"you're","start":2573.78,"end":2573.9402,"confidence":0.9707031,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2097940295934677},{"word":"happy","start":2573.9402,"end":2574.34,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.228511780500412},{"word":"and","start":2574.34,"end":2574.58,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27140533924102783},{"word":"comfortable","start":2574.58,"end":2575.06,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17951980233192444},{"word":"with","start":2575.06,"end":2575.3,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24983501434326172},{"word":"taking","start":2575.3,"end":2575.54,"confidence":0.9980469,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.379803478717804},{"word":"everything","start":2575.54,"end":2575.9402,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.371461808681488},{"word":"on","start":2575.9402,"end":2576.1,"confidence":0.7763672,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.280526727437973},{"word":"board","start":2576.1,"end":2576.34,"confidence":0.95336914,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.2413557767868042},{"word":"and","start":2576.34,"end":2576.5,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08267936110496521},{"word":"then","start":2576.5,"end":2576.6602,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09937968105077744},{"word":"if","start":2576.6602,"end":2576.82,"confidence":0.98291016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07693348824977875},{"word":"you","start":2576.82,"end":2576.9802,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07640188932418823},{"word":"are","start":2576.9802,"end":2577.06,"confidence":0.9875488,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.07298816740512848},{"word":"i","start":2577.06,"end":2577.1401,"confidence":0.9658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0818883553147316},{"word":"would","start":2577.1401,"end":2577.3,"confidence":0.8154297,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07315303385257721},{"word":"just","start":2577.3,"end":2577.3801,"confidence":0.8178711,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08573605120182037},{"word":"get","start":2577.3801,"end":2577.54,"confidence":0.8286133,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07478486001491547},{"word":"you","start":2577.54,"end":2577.62,"confidence":0.89501953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07510491460561752},{"word":"to","start":2577.62,"end":2577.7002,"confidence":0.85595703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10362567752599716},{"word":"sign","start":2577.7002,"end":2577.9402,"confidence":0.9970703,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06419539451599121},{"word":"and","start":2577.9402,"end":2578.02,"confidence":0.86328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.051013343036174774},{"word":"return","start":2578.02,"end":2578.34,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.09888335317373276},{"word":"that","start":2578.34,"end":2578.58,"confidence":0.6323242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08600127696990967},{"word":"all","start":2578.58,"end":2578.7402,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08440066874027252},{"word":"back","start":2578.7402,"end":2578.9802,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01682007685303688},{"word":"for","start":2578.9802,"end":2579.2202,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.032428085803985596},{"word":"me","start":2579.2202,"end":2579.62,"confidence":0.99902344,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.03355573117733002},{"word":"okay","start":2579.62,"end":2580.12,"confidence":0.94140625,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.023996274918317795},{"word":"if","start":2584.435,"end":2584.595,"confidence":0.90234375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.012037917971611025},{"word":"you're","start":2584.595,"end":2584.835,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.011991582810878754},{"word":"comfortable","start":2584.835,"end":2585.235,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.007236704230308533},{"word":"and","start":2585.235,"end":2585.395,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0547938272356987},{"word":"you","start":2585.395,"end":2585.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039583511650562286},{"word":"just","start":2585.475,"end":2585.715,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07500708103179932},{"word":"wanna","start":2585.715,"end":2586.035,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08572055399417877},{"word":"proceed","start":2586.035,"end":2586.435,"confidence":0.9975586,"punctuated_word":"proceed,","sentiment":"neutral","sentiment_score":0.09282661974430084},{"word":"you","start":2586.435,"end":2586.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05628031492233277},{"word":"can","start":2586.595,"end":2586.835,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04402242228388786},{"word":"sign","start":2586.835,"end":2586.995,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03950753435492515},{"word":"and","start":2586.995,"end":2587.155,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023761436343193058},{"word":"return","start":2587.155,"end":2587.475,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.09123477339744568},{"word":"it","start":2587.475,"end":2587.635,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05084722489118576},{"word":"back","start":2587.635,"end":2587.795,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.041816987097263336},{"word":"to","start":2587.795,"end":2587.875,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030783623456954956},{"word":"me","start":2587.875,"end":2588.275,"confidence":0.7841797,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06116517260670662},{"word":"but","start":2588.275,"end":2588.435,"confidence":0.96533203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08707664906978607},{"word":"i","start":2588.435,"end":2588.515,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12538787722587583},{"word":"do","start":2588.515,"end":2588.7551,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10524524003267288},{"word":"like","start":2588.7551,"end":2588.915,"confidence":0.9970703,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12634627521038055},{"word":"to","start":2588.915,"end":2588.995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10607119649648666},{"word":"just","start":2588.995,"end":2589.155,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11533290892839432},{"word":"give","start":2589.155,"end":2589.315,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12432442605495451},{"word":"you","start":2589.315,"end":2589.475,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15155959129333496},{"word":"a","start":2589.475,"end":2589.555,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13551358878612518},{"word":"chance","start":2589.555,"end":2589.875,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.1520066261291504},{"word":"to","start":2589.875,"end":2589.955,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17886057496070862},{"word":"read","start":2589.955,"end":2590.195,"confidence":0.9902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.10781699419021606},{"word":"through","start":2590.195,"end":2590.355,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12610268592834473},{"word":"it","start":2590.355,"end":2590.515,"confidence":0.90722656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19036439061164856},{"word":"just","start":2590.515,"end":2590.675,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2064530253410339},{"word":"to","start":2590.675,"end":2590.835,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1664736270904541},{"word":"make","start":2590.835,"end":2590.995,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14329323172569275},{"word":"sure","start":2590.995,"end":2591.155,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15794605016708374},{"word":"that","start":2591.155,"end":2591.315,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18425902724266052},{"word":"you've","start":2591.315,"end":2591.635,"confidence":0.9855957,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.19334226846694944},{"word":"you're","start":2591.795,"end":2592.035,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20239722728729248},{"word":"happy","start":2592.035,"end":2592.355,"confidence":0.6936035,"punctuated_word":"happy,","sentiment":"neutral","sentiment_score":0.22119830548763275},{"word":"you","start":2592.355,"end":2592.515,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23992101848125455},{"word":"understand","start":2592.515,"end":2593.015,"confidence":0.9951172,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.16137942671775818},{"word":"what","start":2593.075,"end":2593.235,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2084866762161255},{"word":"we're","start":2593.235,"end":2593.475,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1988726109266281},{"word":"doing","start":2593.475,"end":2593.975,"confidence":0.84887695,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.19045843183994293},{"word":"and","start":2594.195,"end":2594.515,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03657572343945503},{"word":"give","start":2594.515,"end":2594.675,"confidence":0.9770508,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.013225464150309564},{"word":"you","start":2594.675,"end":2594.835,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02683829516172409},{"word":"a","start":2594.835,"end":2594.915,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0258963406085968},{"word":"chance","start":2594.915,"end":2595.315,"confidence":0.99902344,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.018453292548656464},{"word":"to","start":2595.315,"end":2595.475,"confidence":0.93115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02648492716252804},{"word":"yeah","start":2596.035,"end":2596.535,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01827559433877468},{"word":"yep","start":2604.5999,"end":2605.0999,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006993414368480444},{"word":"yeah","start":2606.44,"end":2606.92,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00872441753745079},{"word":"if","start":2606.92,"end":2607.16,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.009047774598002434},{"word":"i","start":2607.16,"end":2607.3198,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022405702620744705},{"word":"do","start":2607.3198,"end":2607.48,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01433015987277031},{"word":"need","start":2607.48,"end":2607.64,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.011099344119429588},{"word":"to","start":2607.64,"end":2607.72,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020253201946616173},{"word":"update","start":2607.72,"end":2608.1199,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.03350551426410675},{"word":"the","start":2608.1199,"end":2608.28,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02362857386469841},{"word":"advice","start":2608.28,"end":2608.5999,"confidence":0.89501953,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.012181660160422323},{"word":"or","start":2608.5999,"end":2608.68,"confidence":0.41235352,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012926293537020683},{"word":"the","start":2608.68,"end":2608.8398,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017017565667629242},{"word":"numbers","start":2608.8398,"end":2609.16,"confidence":0.9980469,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.017355522140860558},{"word":"at","start":2609.16,"end":2609.3198,"confidence":0.68066406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007313217967748642},{"word":"all","start":2609.3198,"end":2609.5598,"confidence":0.99609375,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.027734190225601196},{"word":"i'll","start":2609.5598,"end":2609.72,"confidence":0.9904785,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.040753547102212906},{"word":"just","start":2609.72,"end":2609.96,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03536021709442139},{"word":"do","start":2609.96,"end":2610.1199,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.060500919818878174},{"word":"a","start":2610.1199,"end":2610.2,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0678098127245903},{"word":"new","start":2610.2,"end":2610.3599,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.06448957324028015},{"word":"advice","start":2610.3599,"end":2610.68,"confidence":0.97998047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.02997094020247459},{"word":"document","start":2610.68,"end":2611.0798,"confidence":0.814209,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.03950396925210953},{"word":"and","start":2611.0798,"end":2611.24,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04072137176990509},{"word":"you'll","start":2611.24,"end":2611.48,"confidence":0.68725586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.04552101716399193},{"word":"just","start":2611.48,"end":2611.64,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0534423291683197},{"word":"get","start":2611.64,"end":2611.905,"confidence":0.9194336,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.053059421479702},{"word":"to","start":2611.905,"end":2611.985,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04331134259700775},{"word":"sign","start":2611.985,"end":2612.225,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.033583104610443115},{"word":"that","start":2612.225,"end":2612.385,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.081712506711483},{"word":"one","start":2612.385,"end":2612.885,"confidence":0.9440918,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05140792205929756},{"word":"but","start":2612.945,"end":2613.185,"confidence":0.6723633,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.034541379660367966},{"word":"i'll","start":2613.185,"end":2613.2651,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04145359620451927},{"word":"get","start":2613.2651,"end":2613.425,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0543767511844635},{"word":"you","start":2613.425,"end":2613.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0358084961771965},{"word":"to","start":2613.585,"end":2613.665,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08374990522861481},{"word":"sign","start":2613.665,"end":2613.825,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.07985637336969376},{"word":"this","start":2613.825,"end":2614.065,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10302354395389555},{"word":"one","start":2614.065,"end":2614.225,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11954741179943083},{"word":"first","start":2614.225,"end":2614.545,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08510297536849976},{"word":"if","start":2614.545,"end":2614.705,"confidence":0.93847656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08598396927118301},{"word":"you're","start":2614.705,"end":2614.865,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08297252655029297},{"word":"comfortable","start":2614.865,"end":2615.2651,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06843148171901703},{"word":"taking","start":2615.2651,"end":2615.585,"confidence":0.9970703,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.08800892531871796},{"word":"it","start":2615.585,"end":2615.745,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1266428828239441},{"word":"on","start":2615.745,"end":2615.905,"confidence":0.70166016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13881248235702515},{"word":"board","start":2615.905,"end":2616.405,"confidence":0.99658203,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.12997496128082275},{"word":"yep","start":2618.145,"end":2618.645,"confidence":0.953125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06407573819160461},{"word":"yep","start":2619.2651,"end":2619.7651,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010822048410773276},{"word":"yeah","start":2621.185,"end":2621.5051,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09214797616004944},{"word":"absolutely","start":2621.5051,"end":2622.0051,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16187691688537598},{"word":"that's","start":2622.065,"end":2622.225,"confidence":0.82714844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12780272960662842},{"word":"if","start":2622.225,"end":2622.385,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02480393275618553},{"word":"we","start":2622.385,"end":2622.545,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01931827142834663},{"word":"need","start":2622.545,"end":2622.705,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0023867525160312653},{"word":"to","start":2622.705,"end":2622.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0011122561991214752},{"word":"do","start":2622.865,"end":2622.945,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0134628564119339},{"word":"another","start":2622.945,"end":2623.2651,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0023464076220989227},{"word":"one","start":2623.2651,"end":2623.5051,"confidence":0.9880371,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.020492268726229668},{"word":"if","start":2623.5051,"end":2623.745,"confidence":0.9951172,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0427628681063652},{"word":"if","start":2623.745,"end":2623.905,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06043064594268799},{"word":"everything","start":2623.905,"end":2624.305,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.12117090821266174},{"word":"still","start":2624.305,"end":2624.625,"confidence":0.9506836,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08604017645120621},{"word":"stacks","start":2624.625,"end":2624.945,"confidence":0.97998047,"punctuated_word":"stacks","sentiment":"neutral","sentiment_score":0.1436903178691864},{"word":"up","start":2624.945,"end":2625.105,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14557507634162903},{"word":"with","start":2625.105,"end":2625.2651,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14846114814281464},{"word":"your","start":2625.2651,"end":2625.425,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13027040660381317},{"word":"new","start":2625.425,"end":2625.665,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.08203522861003876},{"word":"payslip","start":2625.665,"end":2626.165,"confidence":0.8515625,"punctuated_word":"payslip,","sentiment":"neutral","sentiment_score":0.060275427997112274},{"word":"then","start":2627.105,"end":2627.605,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08249233663082123},{"word":"we","start":2627.665,"end":2627.85,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09642958641052246},{"word":"won't","start":2627.9302,"end":2628.1702,"confidence":0.99853516,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.06981231272220612},{"word":"need","start":2628.1702,"end":2628.25,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03207122161984444},{"word":"to","start":2628.25,"end":2628.33,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023141559213399887},{"word":"make","start":2628.33,"end":2628.6501,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.013062067329883575},{"word":"any","start":2628.6501,"end":2628.9702,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.016754042357206345},{"word":"changes","start":2628.9702,"end":2629.4702,"confidence":0.99194336,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.013850284740328789},{"word":"we'll","start":2629.9302,"end":2630.25,"confidence":0.9536133,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.05094952508807182},{"word":"just","start":2630.25,"end":2630.49,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06919437646865845},{"word":"proceed","start":2630.49,"end":2630.81,"confidence":0.9980469,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.028360677883028984},{"word":"the","start":2630.81,"end":2630.9702,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01278114877641201},{"word":"way","start":2630.9702,"end":2631.1301,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.01757309027016163},{"word":"it","start":2631.1301,"end":2631.29,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005917428061366081},{"word":"is","start":2631.29,"end":2631.79,"confidence":0.99194336,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.0102504538372159},{"word":"yeah","start":2633.4502,"end":2633.9502,"confidence":0.8378906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029103120788931847},{"word":"yeah","start":2634.01,"end":2634.33,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04088607430458069},{"word":"absolutely","start":2634.33,"end":2634.83,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.15166038274765015},{"word":"yeah","start":2635.29,"end":2635.79,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1847347766160965},{"word":"all","start":2636.01,"end":2636.25,"confidence":0.9091797,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.3060697913169861},{"word":"good","start":2636.25,"end":2636.75,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.25569501519203186},{"word":"so","start":2637.1301,"end":2637.37,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08186906576156616},{"word":"when","start":2637.37,"end":2637.53,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07007180899381638},{"word":"are","start":2637.53,"end":2637.6902,"confidence":0.9614258,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05593997985124588},{"word":"you","start":2637.6902,"end":2637.77,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07502289116382599},{"word":"you're","start":2637.9302,"end":2638.09,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05010367184877395},{"word":"back","start":2638.09,"end":2638.33,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.043088480830192566},{"word":"full","start":2638.33,"end":2638.57,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.06324486434459686},{"word":"time","start":2638.57,"end":2638.81,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.062131695449352264},{"word":"as","start":2638.81,"end":2639.05,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04843822494149208},{"word":"of","start":2639.05,"end":2639.2102,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06667963415384293},{"word":"next","start":2639.2102,"end":2639.53,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04888324439525604},{"word":"week","start":2639.53,"end":2639.77,"confidence":0.9770508,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.05165277421474457},{"word":"is","start":2639.77,"end":2639.9302,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06356951594352722},{"word":"that","start":2639.9302,"end":2640.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061243969947099686},{"word":"right","start":2640.09,"end":2640.59,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.042438607662916183},{"word":"oh","start":2642.525,"end":2642.765,"confidence":0.95043945,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0059809437952935696},{"word":"as","start":2642.765,"end":2642.9248,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.010244074277579784},{"word":"of","start":2642.9248,"end":2643.085,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020268678665161133},{"word":"today","start":2643.085,"end":2643.565,"confidence":0.9211426,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.02913396805524826},{"word":"fantastic","start":2643.565,"end":2644.065,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.269494891166687},{"word":"fantastic","start":2645.8848,"end":2646.3848,"confidence":0.99609375,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.2754344940185547},{"word":"yep","start":2664.54,"end":2665.035,"confidence":0.7609863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1769556850194931},{"word":"okay","start":2667.515,"end":2667.9949,"confidence":0.9875488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.19375395774841309},{"word":"perfect","start":2667.9949,"end":2668.4949,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3660346269607544},{"word":"yep","start":2677.035,"end":2677.535,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022930940613150597},{"word":"okay","start":2686.2898,"end":2686.7898,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0597510002553463},{"word":"yeah","start":2690.545,"end":2690.865,"confidence":0.88623047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16506709158420563},{"word":"fantastic","start":2690.865,"end":2691.365,"confidence":0.9951172,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5632615089416504},{"word":"fantastic","start":2691.825,"end":2692.325,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5527651309967041},{"word":"good","start":2692.705,"end":2692.945,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.5796490907669067},{"word":"to","start":2692.945,"end":2693.105,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6012933850288391},{"word":"see","start":2693.105,"end":2693.605,"confidence":0.9916992,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.13053442537784576},{"word":"well","start":2694.145,"end":2694.385,"confidence":0.7324219,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.24977166950702667},{"word":"back","start":2694.385,"end":2694.625,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2833417057991028},{"word":"full","start":2694.625,"end":2694.865,"confidence":0.98828125,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.34728288650512695},{"word":"time","start":2694.865,"end":2695.185,"confidence":0.876709,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.35090476274490356},{"word":"back","start":2695.185,"end":2695.425,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.32324454188346863},{"word":"monday","start":2695.425,"end":2695.745,"confidence":0.99902344,"punctuated_word":"Monday","sentiment":"positive","sentiment_score":0.5350326895713806},{"word":"to","start":2695.745,"end":2695.905,"confidence":0.984375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3852010667324066},{"word":"friday","start":2695.905,"end":2696.225,"confidence":1.0,"punctuated_word":"Friday","sentiment":"positive","sentiment_score":0.4061374068260193},{"word":"again","start":2696.225,"end":2696.545,"confidence":0.8183594,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.39893901348114014},{"word":"that'll","start":2696.545,"end":2696.865,"confidence":0.99609375,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.8200844526290894},{"word":"be","start":2696.865,"end":2697.0251,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.8246493935585022},{"word":"really","start":2697.0251,"end":2697.345,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8398393988609314},{"word":"good","start":2697.345,"end":2697.845,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7445275783538818},{"word":"yeah","start":2698.305,"end":2698.805,"confidence":0.875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08435432612895966},{"word":"yep","start":2708.96,"end":2709.46,"confidence":0.8190918,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.006810306571424007},{"word":"yeah","start":2714.2551,"end":2714.7551,"confidence":0.80981445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01223676186054945},{"word":"yeah","start":2718.495,"end":2718.995,"confidence":0.9399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03512509539723396},{"word":"yeah","start":2719.135,"end":2719.635,"confidence":0.96972656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12757179141044617},{"word":"and","start":2722.8152,"end":2722.975,"confidence":0.94921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10201916843652724},{"word":"in","start":2722.975,"end":2723.135,"confidence":0.8496094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09065958857536316},{"word":"the","start":2723.135,"end":2723.215,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10699102282524107},{"word":"middle","start":2723.215,"end":2723.455,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.12094305455684662},{"word":"of","start":2723.455,"end":2723.615,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1121079921722412},{"word":"the","start":2723.615,"end":2723.7751,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1094278320670128},{"word":"week","start":2723.7751,"end":2724.0151,"confidence":0.9921875,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.08803364634513855},{"word":"too","start":2724.0151,"end":2724.5151,"confidence":0.97875977,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.10385282337665558},{"word":"yeah","start":2726.72,"end":2727.22,"confidence":0.97631836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05992493778467178},{"word":"no","start":2727.3599,"end":2727.5999,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.1471210420131683},{"word":"perfect","start":2727.5999,"end":2728.0999,"confidence":0.9641113,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3911941647529602},{"word":"all","start":2728.4,"end":2728.5598,"confidence":0.8276367,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4470698237419128},{"word":"good","start":2728.5598,"end":2728.7998,"confidence":0.9951172,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3522322177886963},{"word":"well","start":2728.7998,"end":2728.96,"confidence":0.9951172,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5668800473213196},{"word":"i'm","start":2728.96,"end":2729.1199,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7652873992919922},{"word":"really","start":2729.1199,"end":2729.3599,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7921984195709229},{"word":"happy","start":2729.3599,"end":2729.5999,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7840889692306519},{"word":"that","start":2729.5999,"end":2729.76,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.8003129959106445},{"word":"it's","start":2729.76,"end":2730.0,"confidence":0.89575195,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.8284627795219421},{"word":"all","start":2730.0,"end":2730.16,"confidence":0.99121094,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.7921629548072815},{"word":"worked","start":2730.16,"end":2730.4,"confidence":0.99609375,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.8410065770149231},{"word":"out","start":2730.4,"end":2730.5598,"confidence":0.9873047,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.8287460803985596},{"word":"well","start":2730.5598,"end":2730.88,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.7232714891433716},{"word":"for","start":2730.88,"end":2730.96,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7467241883277893},{"word":"you","start":2730.96,"end":2731.46,"confidence":0.9592285,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6486774682998657},{"word":"back","start":2731.92,"end":2732.24,"confidence":0.75439453,"punctuated_word":"Back","sentiment":"positive","sentiment_score":0.3942109942436218},{"word":"all","start":2732.24,"end":2732.4,"confidence":0.95410156,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.43552348017692566},{"word":"to","start":2732.4,"end":2732.5598,"confidence":0.9892578,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4423564076423645},{"word":"it","start":2732.5598,"end":2732.88,"confidence":0.7126465,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.4460408091545105},{"word":"and","start":2732.88,"end":2733.0398,"confidence":0.9440918,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.34242603182792664},{"word":"yeah","start":2733.0398,"end":2733.3599,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.36440426111221313},{"word":"we'll","start":2733.3599,"end":2733.68,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.403756320476532},{"word":"we'll","start":2733.68,"end":2733.92,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.38333603739738464},{"word":"start","start":2733.92,"end":2734.24,"confidence":0.9819336,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.3632471561431885},{"word":"by","start":2734.24,"end":2734.48,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.31314995884895325},{"word":"doing","start":2734.48,"end":2734.98,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4491061866283417},{"word":"the","start":2735.2,"end":2735.3599,"confidence":0.96777344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4169430732727051},{"word":"investment","start":2735.3599,"end":2735.8398,"confidence":0.72509766,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.28311848640441895},{"word":"switching","start":2735.8398,"end":2736.24,"confidence":0.69189453,"punctuated_word":"switching,","sentiment":"positive","sentiment_score":0.38195639848709106},{"word":"getting","start":2736.24,"end":2736.48,"confidence":0.9970703,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.4834601581096649},{"word":"things","start":2736.48,"end":2736.7998,"confidence":0.9980469,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.4632415473461151},{"word":"cracking","start":2736.7998,"end":2737.2,"confidence":0.8935547,"punctuated_word":"cracking","sentiment":"positive","sentiment_score":0.4568883180618286},{"word":"for","start":2737.2,"end":2737.3599,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4060920476913452},{"word":"you","start":2737.3599,"end":2737.5999,"confidence":0.97094727,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3361958861351013},{"word":"reducing","start":2737.5999,"end":2737.92,"confidence":1.0,"punctuated_word":"Reducing","sentiment":"neutral","sentiment_score":0.26381903886795044},{"word":"your","start":2737.92,"end":2738.16,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2687639594078064},{"word":"risk","start":2738.16,"end":2738.4,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.19578631222248075},{"word":"is","start":2738.4,"end":2738.5598,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2701329290866852},{"word":"one","start":2738.5598,"end":2738.72,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.31092414259910583},{"word":"of","start":2738.72,"end":2738.7998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2993861436843872},{"word":"the","start":2738.7998,"end":2738.88,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2804640531539917},{"word":"most","start":2738.88,"end":2739.1199,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.2658989429473877},{"word":"important","start":2739.1199,"end":2739.44,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.2511051595211029},{"word":"things","start":2739.44,"end":2739.68,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.41377028822898865},{"word":"i","start":2739.68,"end":2739.8398,"confidence":0.9404297,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35176342725753784},{"word":"wanna","start":2739.8398,"end":2740.0798,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.37105536460876465},{"word":"get","start":2740.0798,"end":2740.3198,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3436313569545746},{"word":"started","start":2740.3198,"end":2740.8198,"confidence":0.95092773,"punctuated_word":"started.","sentiment":"neutral","sentiment_score":0.306404173374176},{"word":"and","start":2741.675,"end":2741.995,"confidence":0.9589844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14981676638126373},{"word":"whenever","start":2741.995,"end":2742.395,"confidence":0.99902344,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.17788386344909668},{"word":"i","start":2742.395,"end":2742.555,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15467476844787598},{"word":"set","start":2742.555,"end":2742.715,"confidence":0.9951172,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.18453097343444824},{"word":"up","start":2742.715,"end":2742.875,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18014143407344818},{"word":"a","start":2742.875,"end":2742.955,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1633400321006775},{"word":"pension","start":2742.955,"end":2743.355,"confidence":0.99658203,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":0.13254760205745697},{"word":"we","start":2743.355,"end":2743.515,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1565832644701004},{"word":"start","start":2743.515,"end":2743.835,"confidence":0.88720703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.15869271755218506},{"word":"by","start":2743.835,"end":2743.995,"confidence":0.9951172,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.14466248452663422},{"word":"just","start":2743.995,"end":2744.495,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17719359695911407},{"word":"rolling","start":2744.715,"end":2745.115,"confidence":0.98095703,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.17495664954185486},{"word":"over","start":2745.115,"end":2745.435,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.15572576224803925},{"word":"into","start":2745.435,"end":2745.675,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1986956298351288},{"word":"the","start":2745.675,"end":2745.835,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18310588598251343},{"word":"ttr","start":2745.835,"end":2746.315,"confidence":0.96118164,"punctuated_word":"TTR","sentiment":"neutral","sentiment_score":0.13804112374782562},{"word":"pension","start":2746.315,"end":2746.715,"confidence":0.9980469,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.10458671301603316},{"word":"account","start":2746.715,"end":2747.215,"confidence":0.94506836,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.13063250482082367},{"word":"that","start":2747.435,"end":2747.675,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.16339731216430664},{"word":"does","start":2747.675,"end":2747.915,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15168552100658417},{"word":"take","start":2747.915,"end":2748.235,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1587420105934143},{"word":"a","start":2748.235,"end":2748.315,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11370062828063963},{"word":"little","start":2748.315,"end":2748.555,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0919189453125},{"word":"bit","start":2748.555,"end":2748.795,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07379496097564697},{"word":"of","start":2748.795,"end":2748.875,"confidence":0.9589844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08633626252412796},{"word":"time","start":2748.875,"end":2749.275,"confidence":0.8598633,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.11579260975122452},{"word":"and","start":2749.275,"end":2749.435,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10936731845140456},{"word":"then","start":2749.435,"end":2749.755,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10985278338193892},{"word":"we","start":2749.755,"end":2749.915,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13210861384868622},{"word":"work","start":2749.915,"end":2750.155,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.13928714394569397},{"word":"out","start":2750.155,"end":2750.315,"confidence":0.50439453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15443645417690277},{"word":"your","start":2750.315,"end":2750.475,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1345929205417633},{"word":"first","start":2750.475,"end":2750.795,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.13435211777687073},{"word":"pension","start":2750.795,"end":2751.195,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.09114521741867064},{"word":"payment","start":2751.195,"end":2751.675,"confidence":0.9707031,"punctuated_word":"payment,","sentiment":"neutral","sentiment_score":0.12644454836845398},{"word":"let","start":2751.675,"end":2751.835,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.16492514312267303},{"word":"you","start":2751.835,"end":2751.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13816899061203003},{"word":"know","start":2751.995,"end":2752.235,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.13565869629383087},{"word":"when","start":2752.235,"end":2752.395,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1372590810060501},{"word":"that","start":2752.395,"end":2752.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14641925692558289},{"word":"comes","start":2752.635,"end":2752.875,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.13831621408462524},{"word":"in","start":2752.875,"end":2753.115,"confidence":0.97216797,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.1363271921873093},{"word":"and","start":2753.115,"end":2753.275,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13833162188529968},{"word":"then","start":2753.275,"end":2753.515,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1375112235546112},{"word":"organize","start":2753.515,"end":2754.015,"confidence":0.9951172,"punctuated_word":"organize","sentiment":"neutral","sentiment_score":0.12657764554023743},{"word":"your","start":2754.075,"end":2754.54,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1547628790140152},{"word":"salary","start":2755.1,"end":2755.58,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.12062940001487732},{"word":"sacrifice","start":2755.58,"end":2756.06,"confidence":0.53808594,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.103554368019104},{"word":"to","start":2756.06,"end":2756.22,"confidence":0.6870117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16276390850543976},{"word":"start","start":2756.22,"end":2756.46,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.12087646871805192},{"word":"after","start":2756.46,"end":2756.78,"confidence":0.98535156,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1312385052442551},{"word":"that","start":2756.78,"end":2757.02,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11020369827747344},{"word":"payment","start":2757.02,"end":2757.42,"confidence":0.9770508,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":0.07021155953407288},{"word":"that","start":2757.42,"end":2757.58,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.11420341581106186},{"word":"way","start":2757.58,"end":2757.82,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.11608949303627014},{"word":"you're","start":2757.82,"end":2758.06,"confidence":0.7675781,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07932128012180328},{"word":"not","start":2758.06,"end":2758.56,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0402979776263237},{"word":"increasing","start":2758.62,"end":2759.12,"confidence":0.9633789,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.0538003109395504},{"word":"contributions","start":2759.18,"end":2759.68,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.049255188554525375},{"word":"prior","start":2760.06,"end":2760.3801,"confidence":0.9111328,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.019788391888141632},{"word":"to","start":2760.3801,"end":2760.54,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05020995810627937},{"word":"the","start":2760.54,"end":2760.62,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04575849696993828},{"word":"first","start":2760.62,"end":2760.86,"confidence":0.9941406,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.018346350640058517},{"word":"drawdown","start":2760.86,"end":2761.36,"confidence":0.83447266,"punctuated_word":"drawdown","sentiment":"neutral","sentiment_score":0.04484696686267853},{"word":"coming","start":2761.42,"end":2761.74,"confidence":0.9819336,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.05189460888504982},{"word":"if","start":2761.74,"end":2761.9001,"confidence":0.2442627,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03771505132317543},{"word":"it","start":2761.9001,"end":2762.06,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0480521023273468},{"word":"doesn't","start":2762.06,"end":2762.3,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.02008352428674698},{"word":"leave","start":2762.3,"end":2762.54,"confidence":0.9941406,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.007029574364423752},{"word":"you","start":2762.54,"end":2762.78,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0019848980009555817},{"word":"late","start":2762.78,"end":2763.1,"confidence":0.94140625,"punctuated_word":"late.","sentiment":"neutral","sentiment_score":-0.013684503734111786},{"word":"so","start":2763.1,"end":2763.6,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05399234592914581},{"word":"that's","start":2763.6602,"end":2763.9001,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07928996533155441},{"word":"the","start":2763.9001,"end":2763.98,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07321056723594666},{"word":"way","start":2763.98,"end":2764.22,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.07576598227024078},{"word":"i","start":2764.22,"end":2764.3801,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0745166689157486},{"word":"tend","start":2764.3801,"end":2764.62,"confidence":0.9902344,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.08876244723796844},{"word":"to","start":2764.62,"end":2764.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04098373278975487},{"word":"do","start":2764.78,"end":2764.94,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.056755974888801575},{"word":"those","start":2764.94,"end":2765.26,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05508103221654892},{"word":"sorts","start":2765.26,"end":2765.42,"confidence":0.9873047,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.06662894785404205},{"word":"of","start":2765.42,"end":2765.58,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.042937953025102615},{"word":"things","start":2765.58,"end":2766.08,"confidence":0.8503418,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.05484664812684059},{"word":"but","start":2766.54,"end":2766.78,"confidence":0.8156738,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.11478611826896667},{"word":"yeah","start":2766.78,"end":2767.125,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.18958355486392975},{"word":"that'd","start":2767.125,"end":2767.365,"confidence":0.72436523,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.24587731063365936},{"word":"be","start":2767.365,"end":2767.525,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28780028223991394},{"word":"good","start":2767.525,"end":2767.605,"confidence":0.9567871,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2358759045600891},{"word":"and","start":2767.605,"end":2768.005,"confidence":0.87402344,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.18317100405693057},{"word":"like","start":2768.005,"end":2768.165,"confidence":0.8535156,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18491274118423465},{"word":"once","start":2768.165,"end":2768.405,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.23456062376499176},{"word":"you","start":2768.405,"end":2768.485,"confidence":0.8574219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2042734920978546},{"word":"get","start":2768.485,"end":2768.645,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1679229885339737},{"word":"your","start":2768.645,"end":2768.805,"confidence":0.95410156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14734891057014465},{"word":"paces","start":2768.805,"end":2769.205,"confidence":0.8149414,"punctuated_word":"paces","sentiment":"neutral","sentiment_score":0.16075670719146729},{"word":"through","start":2769.205,"end":2769.445,"confidence":0.99121094,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.1582445502281189},{"word":"i'll","start":2769.445,"end":2769.685,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15450814366340637},{"word":"run","start":2769.685,"end":2769.845,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.13287627696990967},{"word":"the","start":2769.845,"end":2770.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12536382675170898},{"word":"numbers","start":2770.005,"end":2770.405,"confidence":0.89453125,"punctuated_word":"numbers.","sentiment":"neutral","sentiment_score":0.12310086935758592},{"word":"and","start":2770.405,"end":2770.565,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1574362814426422},{"word":"if","start":2770.565,"end":2770.805,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.145304873585701},{"word":"there","start":2770.805,"end":2770.965,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1371428519487381},{"word":"are","start":2770.965,"end":2771.205,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13015657663345337},{"word":"changes","start":2771.205,"end":2771.605,"confidence":0.99658203,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.11627567559480669},{"word":"i'll","start":2771.605,"end":2771.765,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1374933123588562},{"word":"let","start":2771.765,"end":2771.925,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1431671679019928},{"word":"you","start":2771.925,"end":2772.005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12366423010826112},{"word":"know","start":2772.005,"end":2772.245,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.14795838296413422},{"word":"we","start":2772.245,"end":2772.325,"confidence":0.90625,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12036685645580292},{"word":"need","start":2772.325,"end":2772.485,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13355204463005066},{"word":"to","start":2772.485,"end":2772.645,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09359489381313324},{"word":"change","start":2772.645,"end":2772.885,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.13674688339233398},{"word":"the","start":2772.885,"end":2773.045,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08426128327846527},{"word":"advice","start":2773.045,"end":2773.445,"confidence":0.8857422,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.08565469086170197},{"word":"prior","start":2773.445,"end":2773.765,"confidence":0.9526367,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.06884615868330002},{"word":"to","start":2773.765,"end":2773.845,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09413708746433258},{"word":"rolling","start":2773.845,"end":2774.165,"confidence":0.9970703,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.09907814860343932},{"word":"into","start":2774.165,"end":2774.485,"confidence":0.86572266,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10047762095928192},{"word":"pension","start":2774.485,"end":2774.985,"confidence":0.99365234,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.08265938609838486},{"word":"if","start":2775.365,"end":2775.525,"confidence":0.9838867,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1737261861562729},{"word":"there's","start":2775.525,"end":2775.845,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16846629977226257},{"word":"no","start":2775.845,"end":2776.005,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.15617142617702484},{"word":"changes","start":2776.005,"end":2776.405,"confidence":0.87768555,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1786816269159317},{"word":"i'll","start":2776.405,"end":2776.565,"confidence":0.9848633,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.23087716102600095},{"word":"let","start":2776.565,"end":2776.725,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2522795796394348},{"word":"you","start":2776.725,"end":2776.805,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24486596882343292},{"word":"know","start":2776.805,"end":2776.965,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2812674939632416},{"word":"we're","start":2776.965,"end":2777.125,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3454929292201996},{"word":"good","start":2777.125,"end":2777.365,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3207869827747345},{"word":"to","start":2777.365,"end":2777.605,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41894710063934326},{"word":"proceed","start":2777.605,"end":2778.105,"confidence":0.9375,"punctuated_word":"proceed,","sentiment":"positive","sentiment_score":0.43856167793273926},{"word":"and","start":2778.485,"end":2778.645,"confidence":0.98828125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3444942831993103},{"word":"we'll","start":2778.645,"end":2778.885,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.34066200256347656},{"word":"just","start":2778.885,"end":2779.125,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3588636815547943},{"word":"keep","start":2779.125,"end":2779.445,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.39489537477493286},{"word":"going","start":2779.445,"end":2779.765,"confidence":0.74658203,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4222807288169861},{"word":"for","start":2779.765,"end":2780.005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3406032621860504},{"word":"you","start":2780.005,"end":2780.485,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2072946131229401},{"word":"okay","start":2780.485,"end":2780.985,"confidence":0.63061523,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0967194139957428},{"word":"yeah","start":2781.205,"end":2781.705,"confidence":0.92871094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09522169083356856},{"word":"that's","start":2783.94,"end":2784.34,"confidence":0.939209,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1648651957511902},{"word":"okay","start":2784.34,"end":2784.84,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07353833317756653},{"word":"not","start":2785.06,"end":2785.22,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.03114326298236847},{"word":"a","start":2785.22,"end":2785.3,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02541268616914749},{"word":"problem","start":2785.3,"end":2785.7,"confidence":0.9909668,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.0022544004023075104},{"word":"i'm","start":2785.7,"end":2785.86,"confidence":0.8901367,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14931738376617432},{"word":"so","start":2785.86,"end":2786.1,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1930666416883469},{"word":"sorry","start":2786.1,"end":2786.42,"confidence":0.77734375,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.21300242841243744},{"word":"i","start":2786.42,"end":2786.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2512466609477997},{"word":"had","start":2786.58,"end":2786.74,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.27824103832244873},{"word":"to","start":2786.74,"end":2786.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2746226191520691},{"word":"cancel","start":2786.9,"end":2787.3,"confidence":1.0,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.2820405662059784},{"word":"last","start":2787.3,"end":2787.62,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2830553650856018},{"word":"night","start":2787.62,"end":2787.86,"confidence":0.99902344,"punctuated_word":"night","sentiment":"neutral","sentiment_score":-0.3197782337665558},{"word":"and","start":2787.86,"end":2788.36,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30925899744033813},{"word":"push","start":2788.5,"end":2788.82,"confidence":0.6269531,"punctuated_word":"push","sentiment":"neutral","sentiment_score":-0.30593129992485046},{"word":"the","start":2788.82,"end":2788.9,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25608503818511963},{"word":"appointment","start":2788.9,"end":2789.3801,"confidence":0.9946289,"punctuated_word":"appointment.","sentiment":"neutral","sentiment_score":-0.22866448760032657},{"word":"my","start":2789.3801,"end":2789.62,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2916566729545593},{"word":"last","start":2789.62,"end":2789.86,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.29098498821258545},{"word":"call","start":2789.86,"end":2790.18,"confidence":0.99902344,"punctuated_word":"call","sentiment":"negative","sentiment_score":-0.3408321440219879},{"word":"took","start":2790.18,"end":2790.34,"confidence":1.0,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.2268686592578888},{"word":"a","start":2790.34,"end":2790.42,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.215531662106514},{"word":"bit","start":2790.42,"end":2790.58,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2175476998090744},{"word":"longer","start":2790.58,"end":2790.9,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.1794985979795456},{"word":"than","start":2790.9,"end":2791.06,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1749897301197052},{"word":"i","start":2791.06,"end":2791.1401,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2017902433872223},{"word":"was","start":2791.1401,"end":2791.3801,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.17913192510604858},{"word":"expecting","start":2791.3801,"end":2791.8801,"confidence":0.9980469,"punctuated_word":"expecting.","sentiment":"neutral","sentiment_score":-0.08132293075323105},{"word":"yep","start":2798.115,"end":2798.615,"confidence":0.78466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0024294196628034115},{"word":"yeah","start":2803.875,"end":2804.375,"confidence":0.90478516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04424342513084411},{"word":"yeah","start":2807.97,"end":2808.45,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.127435103058815},{"word":"sorry","start":2808.45,"end":2808.85,"confidence":0.97998047,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.2010263949632645},{"word":"about","start":2808.85,"end":2809.33,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.20346012711524963},{"word":"that","start":2809.33,"end":2809.83,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1383763998746872},{"word":"oh","start":2814.1301,"end":2814.61,"confidence":0.89868164,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03318158909678459},{"word":"you're","start":2814.61,"end":2815.01,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11122292280197144},{"word":"a","start":2815.01,"end":2815.17,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23589447140693665},{"word":"gem","start":2815.17,"end":2815.67,"confidence":0.9711914,"punctuated_word":"gem.","sentiment":"neutral","sentiment_score":0.2303522825241089},{"word":"yeah","start":2816.1301,"end":2816.53,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2010456621646881},{"word":"you're","start":2816.53,"end":2816.93,"confidence":0.9975586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2507443130016327},{"word":"a","start":2816.93,"end":2817.01,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31670665740966797},{"word":"gem","start":2817.01,"end":2817.33,"confidence":0.8132324,"punctuated_word":"gem,","sentiment":"neutral","sentiment_score":0.22791443765163424},{"word":"but","start":2817.33,"end":2817.49,"confidence":0.87841797,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0706900954246521},{"word":"no","start":2817.49,"end":2817.73,"confidence":0.5091553,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.11620865762233734},{"word":"thank","start":2817.73,"end":2817.97,"confidence":0.9921875,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6629312038421631},{"word":"you","start":2817.97,"end":2818.21,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7714307308197021},{"word":"so","start":2818.21,"end":2818.45,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7525718808174133},{"word":"much","start":2818.45,"end":2818.77,"confidence":0.9980469,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7679094672203064},{"word":"for","start":2818.77,"end":2818.93,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7439566850662231},{"word":"taking","start":2818.93,"end":2819.25,"confidence":0.9970703,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.7991907596588135},{"word":"my","start":2819.25,"end":2819.49,"confidence":0.9980469,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.8352681994438171},{"word":"call","start":2819.49,"end":2819.81,"confidence":0.9873047,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.8083046674728394},{"word":"today","start":2819.81,"end":2820.29,"confidence":0.99560547,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.7769501209259033},{"word":"i","start":2820.29,"end":2820.37,"confidence":0.98535156,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7582781314849854},{"word":"hope","start":2820.37,"end":2820.69,"confidence":0.9970703,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7870768308639526},{"word":"you","start":2820.69,"end":2820.85,"confidence":0.9873047,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7105364799499512},{"word":"have","start":2820.85,"end":2821.01,"confidence":0.9633789,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7541543245315552},{"word":"a","start":2821.01,"end":2821.1724,"confidence":0.6928711,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7358370423316956},{"word":"lovely","start":2821.1724,"end":2821.335,"confidence":0.5385742,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7748064994812012},{"word":"afternoon","start":2821.655,"end":2821.9749,"confidence":0.7219238,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.7204957604408264},{"word":"and","start":2821.9749,"end":2822.2148,"confidence":0.96728516,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.5408589839935303},{"word":"yeah","start":2822.2148,"end":2822.455,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.5719086527824402},{"word":"take","start":2822.455,"end":2822.695,"confidence":0.99316406,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.7052963972091675},{"word":"some","start":2822.695,"end":2822.855,"confidence":0.9970703,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5963273644447327},{"word":"time","start":2822.855,"end":2823.015,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.6640965342521667},{"word":"to","start":2823.015,"end":2823.175,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6794244647026062},{"word":"have","start":2823.175,"end":2823.335,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.624393105506897},{"word":"a","start":2823.335,"end":2823.415,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6132704019546509},{"word":"read","start":2823.415,"end":2823.575,"confidence":0.97509766,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.6262893676757812},{"word":"and","start":2823.575,"end":2823.7349,"confidence":0.48706055,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4992179274559021},{"word":"let","start":2823.7349,"end":2823.815,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.6065548062324524},{"word":"me","start":2823.815,"end":2823.895,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5671347379684448},{"word":"know","start":2823.895,"end":2824.055,"confidence":0.99902344,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.5789021253585815},{"word":"if","start":2824.055,"end":2824.135,"confidence":0.9980469,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5832325220108032},{"word":"there's","start":2824.135,"end":2824.375,"confidence":0.9951172,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.5644809007644653},{"word":"any","start":2824.375,"end":2824.535,"confidence":0.9980469,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4348253905773163},{"word":"questions","start":2824.535,"end":2824.775,"confidence":0.9404297,"punctuated_word":"questions","sentiment":"positive","sentiment_score":0.4387704133987427},{"word":"that","start":2824.775,"end":2824.935,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3681587278842926},{"word":"you","start":2824.935,"end":2825.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21469521522521973},{"word":"do","start":2825.095,"end":2825.255,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35189521312713623},{"word":"have","start":2825.255,"end":2825.4949,"confidence":0.99902344,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.3583376407623291},{"word":"happy","start":2825.4949,"end":2825.895,"confidence":0.9970703,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.6554508805274963},{"word":"to","start":2825.895,"end":2826.055,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6123417615890503},{"word":"take","start":2826.055,"end":2826.295,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4410001039505005},{"word":"a","start":2826.295,"end":2826.375,"confidence":0.78027344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5794114470481873},{"word":"call","start":2826.375,"end":2826.695,"confidence":1.0,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.6380504965782166},{"word":"anytime","start":2826.695,"end":2827.095,"confidence":0.94384766,"punctuated_word":"anytime","sentiment":"neutral","sentiment_score":0.29006102681159973},{"word":"you","start":2827.095,"end":2827.335,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3994392454624176},{"word":"need","start":2827.335,"end":2827.815,"confidence":0.9995117,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":0.31205570697784424},{"word":"okay","start":2827.815,"end":2828.315,"confidence":0.92333984,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.20380240678787231},{"word":"my","start":2831.185,"end":2831.505,"confidence":1.0,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.7975914478302002},{"word":"pleasure","start":2831.505,"end":2831.905,"confidence":1.0,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.8077430725097656},{"word":"thanks","start":2831.905,"end":2832.145,"confidence":0.99316406,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8527423143386841},{"word":"so","start":2832.145,"end":2832.305,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8579840064048767},{"word":"much","start":2832.305,"end":2832.625,"confidence":0.9975586,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.8651266098022461},{"word":"cole","start":2832.625,"end":2833.025,"confidence":0.86450195,"punctuated_word":"Cole.","sentiment":"positive","sentiment_score":0.7971500158309937},{"word":"have","start":2833.025,"end":2833.185,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7402200698852539},{"word":"a","start":2833.185,"end":2833.265,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7562503814697266},{"word":"good","start":2833.265,"end":2833.505,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7023594975471497},{"word":"afternoon","start":2833.505,"end":2834.005,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.6768703460693359},{"word":"see","start":2834.785,"end":2835.025,"confidence":0.7319336,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.2602001428604126},{"word":"you","start":2835.025,"end":2835.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21900951862335205},{"word":"later","start":2835.185,"end":2835.685,"confidence":0.99902344,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.2968977391719818},{"word":"bye","start":2836.145,"end":2836.645,"confidence":0.9694824,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.21934863924980164}],"paragraphs":{"transcript":"\nHi, Colin. It's Zaina from OQ. How are you? I'm very well. Thank you.\n\nHow's your day been so far? Oh, fan fantastic. I had to book in just to go through your updated advice document. Is Nashville a good time there for you? Fan fantastic.\n\nDo you happen to have access to your emails at the moment? I know I had sent that one through already. Got it there. Fantastic. Have you had a chance to have a bit of a look through it?\n\nYep. Yep. Alright. Yeah. Yeah.\n\nPerfect. Perfect. Yeah. Yeah. Absolutely.\n\nAbsolutely. And with I know you were going back to the doctors over the last couple of days. How did that last appointment go for you? Yep. Fantastic.\n\nFantastic. Back to full pay. Excellent. Fantastic. Well, good to hear that's what you've been aiming for.\n\nIt's good to you're back early than you thought till you thought it would take a few more months. That's really good. Yeah. Yeah. Yeah.\n\nOf course. Yeah. Yes. Absolutely. Yeah.\n\nNo. Absolutely. All good. All good. Well, let's run through this one for you.\n\nOn the front of the document there, you will see it has been prepared for yourself, Colin Andrews, as of the twenty fifth of May. That's the one. Yeah. Definitely. Attach you alright?\n\nSorry if I got a bit too fast for you. No. That's okay. Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide. So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment.\n\nOn the front of the very bottom, it does have my license number registered for you. It's 1304394. I'm an authorized representative registered with Assic. To make this a bit easier, we're sort of scoping in areas of superannuation. We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope.\n\nSo we're looking towards your retirement goals down the track here. So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll keep updating and changing it to reflect the changes in your circumstances as you get closer to it. Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings. We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney. You were really happy with how they are structured, so we're not looking to make any alterations to that side of the estate planning side of things for you.\n\nOkay? Perfect. Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the areas that I need to, and then I'll let you go back and have a really good review of things if you like. To make it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and I'll just sort of run you through the recommendations as we are going through. Okay?\n\nPerfect. You're right. That's the one? Perfect. So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you.\n\nSo at the moment, one of the things we did sort of talk about was reducing your risk level. At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments. And we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment. So we're starting to step down and reduce that risk level gradually for you. We are looking to make a bit of an switch with the investments there.\n\nSo you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying. So, essentially, we'll be selling off some of the Aveda shares cybersecurity. We still wanna hold about 4% of your total portfolio. We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio. With the health care side of things, we'll sell that completely down as well.\n\nWe are gonna retain the S and P 500, so buying a bit more of that in there. I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested. So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well. So we do wanna hold about 25% there. One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index.\n\nSo you're tracking the top 500 companies in The US. To be in that index, these companies actually have to meet a certain criteria. So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index. So yeah. Yep.\n\nAbsolutely. Yeah. So you are always tracking the top 500 companies, which is really good to kind of know. Yeah. So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred.\n\nWe're going to get rid of that investment completely, and we are also getting rid of Bennelong Australian Equities. It's the one that has been underperforming a bit in recent months there. Bennelong was meant to be more of an actively managed fund within your portfolio, and it was supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that. They've had some underlying issues, so we've reviewed them and decided they're not worth keeping in the portfolio. So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper.\n\nWe're actually on the top of the next page. We're placing them with the a 200 here, so the BetaShares Australian 200. By doing this, the a 200 tracks the top 200 companies on the ASX. Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies on the Australian share market. So it's more of a passively managed fund.\n\nIt's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well. Okay. Yeah. Perfect. We've also got down here for the JPMorgan Global Enhanced Research Index Fund there.\n\nWe are gonna remove that from the portfolio wholly, and we've got some physical gold there. It has done really well. We're just rebalancing it back a little bit. At the moment, you've got about 10.54%. We just wanna hold 10% overall in the new portfolio.\n\nSo it's just about selling a little bit of that off and spreading that across other areas. We've got the iShares Yield plus that one there is being completely sold down. And the bank hybrids, again, they are being removed completely as well. Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there. And bank hybrids over the next couple of years are actually gonna be phased out by the government.\n\nSo we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather than in a couple of years. Once they're fully phased out, We have to make that change quickly. So we're just making the change whilst we're doing all the other changes here at the moment for you. Okay? Perfect.\n\nBuying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well. So, essentially, this is yeah, diversifying across the globe. Not The US because you have the S and P 500 there. That's why it's ex US. But it is, again, giving you diversification.\n\nSo one of the important parts of diversifying your portfolio is not only having growth in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there. So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well. Okay? The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with. And then defensive investments wise, we've also got the core composite bonds in there.\n\nSo bonds this is looking at bonds both corporate and government. It also has bank notes, and it also does have some diversification across the globe as well. So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important. You wanna have dividends and income produced out of your portfolio. That goes into your cash account, and we can reinvest that back into your portfolio for compounding.\n\nSo bonds are really good. A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool. Okay. Beautiful. I try to keep that pretty brief.\n\nNot everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know. Happy to go further down for you. But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio. Okay. Yeah.\n\nEasy. All good. If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there. Yeah. Beautiful.\n\nSo we're moving you down into that balanced growth environment. So starting to reduce your risk level gradually as you get closer to accessing super. So this risk profile generally sees at 20 oh, sorry. 70% in growth investments and 30% defensive. It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also some cash in there as well.\n\nSo it's about diversifying there. With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments. So a bit overweighted with where we are at the moment, more in that growth kind of allocation. So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%. So it's about sort of a 5% variance from where that growth in defensive allocation for your risk profile is, but it's very much in line with that.\n\nAnd it's about just reducing your risk level a little bit, which is what this portfolio does for you. Does that make sense? Yep. Perfect. Excellent.\n\nWe've also got here on the next page to see comparison table. So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment. With where you are currently, you're in that growth portfolio, which hasn't done too badly. You've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there. But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible.\n\nSo the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there. So with making the changes to your investments as noted above, we actually noted that there's no capital gains. The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit. So it actually means that there's no CGT consequences your super fund has to account for, which is great. No additional tax for your super fund to worry about.\n\nSo yeah. Absolutely. Absolutely. So it does mean the balance expected in the recommended would be about the same as the $311,002.79. We are retaining Hub twenty four, so there's no change in the investment fees there.\n\nHub twenty four is still a great platform. There's no real major changes that needs to happen to that at the moment. We do wanna obviously keep checking things. We do reevaluate. We are looking at investments, other platforms out there, and we did consider a few.\n\nBut the the capital gains cost of selling down your portfolio completely and moving to a new fund just doesn't really add up at all. So it ended up being too much. It's best to try and retain where you can and switch investments where you can as well. So Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's good.\n\nThat's good. Yeah. Perfect. Yeah. Yep.\n\nYep. Yeah. Perfect. Perfect. The good thing about the investment switch is you'll see your investment fees do drop.\n\nSo we started off with the $12.58. It's down to $5.29 with the new portfolio. So it essentially saves $729 in investment fees for the first year, which is great. Any kind of saving on fees means that that money stays in your super in your portfolio growing towards your retirement, which is a a great advantage to the changes. The ongoing service fee, that does encounter a bit of growth there.\n\nThat's why you see it goes up a little bit for this side of the projection table. We also factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income. And you'll see your insurance premiums going down there as well. So we've made that recommendation to reduce your life down to that 300,000, cancel your TBD, which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward. Okay?\n\nExcellent. We as we noted, we are looking to reduce that risk level a bit. So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio. So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you in a much greater position moving forward there. Okay.\n\nPerfect. Perfect. That's the sense of the projection side of things there. If you go down to the next page, page number 24, we've got the retirement income calculated there. So by looking at the changes that we are making, we're sort of projecting forward to retirement.\n\nWe are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well. So this sort of shows that with your super balance retiring at the age that you want to. And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both. But, realistically, we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there. And that's just factoring in your super and the expected pension side of things.\n\nWe'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we need to to make sure everything continues to work hard for you. Okay. Yeah. Beautiful. It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's it.\n\nYeah. No. No. Definitely not. And, look, there's still plenty of time to to work towards it.\n\nAnd even when you go into this retirement years, your money remains invested. We look to draw down a pension and keep everything sort of still working harder for you. So it's just about, you know, creating that longevity and continuously altering and changing. And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on. You're going back into that full time work.\n\nBut if you get changes to your income, we can always come back and refresh pensions, refresh the TTR strategy, add additional contributions. Everything in the advice world is liquid. We can be moving things back and forth and altering the advice as we need to. So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself. So, yeah, doing well.\n\nAll good. That's it. That's it. If you scroll down to page 25 there, Colin, you'll see that we've got the insurance side of things. So we did give you all those different quotes that had a bit of a chat about the insurance side of things.\n\nSo at the moment, you do have your life and TPD covered there. You are happy just to cancel the TPD. It is the largest portion of the cost of your cover. And, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off. Your super balance does that, and then does also provide additional cover and carrier's still working as well.\n\nSo, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal. And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you. You are comfortable with reducing your life cover down to the $300,000 mark. Just making sure that if anything happens, yeah, that pays off the mortgage. That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do moving forward as well.\n\nSo yeah. Absolutely. Yeah. So that does actually reduce your insurance payments quite drastically. We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00.\n\nSo it is a huge difference. It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily. So that's 8,558 that stays in your super working harder for you. Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover. The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that.\n\nSo you do get a refund if it does go through renewal. Okay. Yeah. Fantastic. As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here.\n\nAnd that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you. It's really important that any recommendations we make are in your best interest in working for your goals. Okay? Perfect. You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well.\n\nSo I'll let you sort of run your eyes over those a bit later. They are a bit arduous, so take some time to read them over. And feel free to let me know if you do happen to have any questions there. Okay? Excellent.\n\nThe next side of things is that transition to retirement side. If you go down to page number 30 for me, I'll take you through this one. Beautiful. So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you. You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there.\n\nSo, essentially, looking at pre disability income. So with the payslip, we were able to go back and have a really good look. Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there. To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off. So we've looked at a as well.\n\nWe've sort of had to minus those off. So we've looked at, essentially, what your income was. So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there. So that's just the current position. We're sort of not really worried about that at the moment because we're working on the proposed side of things.\n\nBut, essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice. So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was. So we were able to look at your base salary is about $75,006.55 pre disability. You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis. We're gonna increase those up to $15,007.03 9.\n\nSo it works out from a $100 per week. We increase your salary sacrifice to $302.67 per week. And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income. So we keep minusing those off, and that gives us your net employment income of about $32,008.07 3. To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works out to be about a $143.65 per week.\n\nAnd that brings you back to the $40,003.43, which is the net take home pay based on all of the above. Does that make sense? It's a lot of math. I'm so sorry. Yep.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nOh, that's really good. Yeah. Yeah. No. That's okay.\n\nSo this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work. We've had to kind of do the math and work out what your pre disability income was based on the payslips provided. So when you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know. I can always come back, reevaluate the math a little bit, and we can always refresh it and move it back in and out. So there's no need to worry there.\n\nYeah. Nice. Nice. Yeah. Yeah.\n\nYeah. Yeah. Perfect. Well, if it does, let me know. Because as I said, we can refresh these.\n\nWe can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do. So if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with the deductions going in there. And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there. So we've added those back in, but then also kept the post tax deductibles and the pretax deductibles coming out and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there. So it was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are.\n\nBut we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to. Yeah. Yeah. We can roll back in and out of TTR pension phase and accumulation as often as we need to. The only main no.\n\nYeah. No. We can refresh this as often as we like. We try to do it once a year. So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase because to start with, we're gonna do the investment switch anyway.\n\nSo if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you. That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in. Because then when we roll in, we try to give it a good year to make sure it's all kind of working to see the benefits. Yeah. And then kinda roll you back.\n\nThe we can roll you back and forth as much as you want. There's no issues there. It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown. So works for you whenever we roll you back out of that pension phase. So I try to sort of make sure the numbers are on point before we kind of go forward into it.\n\nWe can make some alterations once we're there, but it just makes it easier on you if we do that beforehand. So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes. I'll just run the numbers over again to double check that. And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through to you. Does that sound okay?\n\nYep. Yep. Beautiful. Beautiful. But I've really enjoyed putting this together.\n\nIt's been a lot of fun. Your payslip has been one of the most interesting. I've really enjoyed looking at it and just because it's been going out gradually over the past few months. But it's kinda cool to see you getting back on top and getting back to work over that time too. It's really fun.\n\nIt has. Yeah. No. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. It's good.\n\nAbsolutely. Absolutely. But now it's good that you've at least had that downtime to let your body recuperate back to where it is now. So, hopefully, going back to work is the right thing. Yeah.\n\nYeah. You're ready? No. That's really good. Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well.\n\nMakes a a bit of a difference to the budget, especially with the cost of living at the moment. It's pretty horrendous out there. So Yeah. No. Yep.\n\nAbsolutely. Yeah. Absolutely. Most definitely. Yep.\n\nNo. Absolutely. All good. If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury. But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there.\n\nWe're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817. So it's a good increase on your contributions there. There's more money going into super. It does increase the income the tax side of things on the contributions. So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go up to 3,072, but you can sort of see the difference there.\n\nThe the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name. So, yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140. It reduces down after we increase salary sacrifice to 8,124. So you're saving easy just under, you know, $3 in tax there, and you're only increasing it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super. So it does make quite a bit of a difference on the tax side of things, which is good.\n\nAnd having more money inside Super, where it is concessionally tax, means that there's more money invested. So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in. So because it's tax free when it comes out, we can take less out than we need to put in. So you're putting more money in. It's taxed more concessionally, but then you're also saving on your insurance premiums and the fees for the investments, which as well.\n\nSo all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time. Does that make sense? Yeah. Beautiful. We have outlined that the, again, the advantages, the disadvantages, the risks involved.\n\nObviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy. So it does mean we do need to review the strategy when your income does happen to change to make sure it is working and in line. If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter. But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment. So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy.\n\nThe benefits are, again, that you save a bit of tax. The tax inside of Super is 15% compared to your marginal tax rate. That's basically half your marginal tax rate, which is insane. So you do end up with more money invested and compounding forward towards your future goals. And these strategies can be altered and changed as we need to as well.\n\nSo we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you. Okay? Beautiful. Beautiful. Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there.\n\nThe first one is the TTR pension account. The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there. You do pay the ongoing service fee of 1.6 oh, sorry. 1.1%. That will remain.\n\nIt's that's the joint because you and Carrie are both clients. So 1.1% per annum, and that is deducted in smaller monthly increments there. So that is essentially prorated across the both accounts, the super and the TCR pension account. And that's sort of showing on page number 40. We've got another sort of fee comparison table there, and that shows the adviser fee spread across the two accounts there for you.\n\nWe're opening up a secondary account. So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account. So you will pay a bit more in admin fees across the two investment fees across the two. But overall, the admin fees oh, sorry. The investment fees are still gonna be saved because the portfolio that we're investing in is overall cheaper.\n\nOkay? Beautiful. And then, yeah, the portfolio, we do sort of hope works a little bit harder for you. We can do catch ups as we're going through to see how things are working. Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a full annual review in twelve months?\n\nWould that be okay? Yep. Yep. Beautiful. And I'll make a note here that the first thing we'll look at doing take some time to read it through.\n\nLet me know if you do happen to have any questions there. We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and then we go into the pension account. So once you get your first payslip after going back, if you can just shoot that through to me, I can just run the numbers again. And if there's something I need to alter or change, I can just update that advice prior to us moving into the pension phase for you. Is that okay?\n\nYeah. Beautiful. That's okay. I know it is a lot. Do you have any questions for me at the moment?\n\nOr Yeah. Yeah. Yeah. Perfect. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's perfect. Yeah. No. That's absolutely perfect.\n\nThat's fantastic. Well, I'm glad that I was able to put this together for you. Again, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers. And if there's any alterations we need to make, I'll do that process rolling in the pension phase. It's very easy to update the advice document.\n\nAnd when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there. So you're comfortable still with your legal personal representative. I know everything goes through your will for the both of you. So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well. Okay?\n\nYeah. Beautiful. Beautiful. Easy. That's basically everything I did have to run through, so feel free to have a read through the document.\n\nLet me know if you do happen to have any questions there. And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for you before you roll in the pension phase. Okay? Yeah. Yep.\n\nYeah. That's absolutely fine. Take some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board. And then if you are, I would just get you to sign and return that all back for me. Okay?\n\nIf you're comfortable and you just wanna proceed, you can sign and return it back to me. But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing, and give you a chance to yeah. Yep. Yeah. If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one.\n\nBut I'll get you to sign this one first if you're comfortable taking it on board. Yep. Yep. Yeah. Absolutely.\n\nThat's if we need to do another one. If if everything still stacks up with your new payslip, then we won't need to make any changes. We'll just proceed the way it is. Yeah. Yeah.\n\nAbsolutely. Yeah. All good. So when are you you're back full time as of next week. Is that right?\n\nOh, as of today? Fantastic. Fantastic. Yep. Okay.\n\nPerfect. Yep. Okay. Yeah. Fantastic.\n\nFantastic. Good to see. Well, back full time, back Monday to Friday again. That'll be really good. Yeah.\n\nYep. Yeah. Yeah. Yeah. And in the middle of the week too.\n\nYeah. No. Perfect. All good. Well, I'm really happy that it's all worked out well for you.\n\nBack all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you. Reducing your risk is one of the most important things I wanna get started. And whenever I set up a pension, we start by just rolling over into the TTR pension account. That does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment. That way you're not increasing contributions prior to the first drawdown coming if it doesn't leave you late.\n\nSo that's the way I tend to do those sorts of things. But, yeah, that'd be good. And, like, once you get your paces through, I'll run the numbers. And if there are changes, I'll let you know we need to change the advice prior to rolling into pension. If there's no changes, I'll let you know we're good to proceed, and we'll just keep going for you.\n\nOkay? Yeah. That's okay. Not a problem. I'm so sorry.\n\nI had to cancel last night and push the appointment. My last call took a bit longer than I was expecting. Yep. Yeah. Yeah.\n\nSorry about that. Oh, you're a gem. Yeah. You're a gem, but no. Thank you so much for taking my call today.\n\nI hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that you do have. Happy to take a call anytime you need. Okay? My pleasure. Thanks so much, Cole.\n\nHave a good afternoon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Colin.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13440953195095062},{"text":"It's Zaina from OQ.","start":3.6799998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.17468832060694695},{"text":"How are you?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.17888253927230835},{"text":"I'm very well.","start":7.44,"end":8.48,"sentiment":"positive","sentiment_score":0.628866990407308},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6249498724937439}],"sentiment":"neutral","sentiment_score":0.331480048596859,"num_words":14,"start":3.04,"end":8.96},{"sentences":[{"text":"How's your day been so far?","start":8.96,"end":10.66,"sentiment":"neutral","sentiment_score":0.24037038534879684},{"text":"Oh, fan fantastic.","start":13.055,"end":14.675,"sentiment":"neutral","sentiment_score":0.3235653080046177},{"text":"I had to book in just to go through your updated advice document.","start":15.215,"end":18.815,"sentiment":"neutral","sentiment_score":0.2699126796080516},{"text":"Is Nashville a good time there for you?","start":18.815,"end":20.755001,"sentiment":"neutral","sentiment_score":0.1385477827861905},{"text":"Fan fantastic.","start":22.654999,"end":23.875,"sentiment":"neutral","sentiment_score":0.1774732992053032}],"sentiment":"neutral","sentiment_score":0.23078474786598235,"num_words":32,"start":8.96,"end":23.875},{"sentences":[{"text":"Do you happen to have access to your emails at the moment?","start":24.095001,"end":26.36,"sentiment":"neutral","sentiment_score":0.042068989326556526},{"text":"I know I had sent that one through already.","start":26.36,"end":28.38,"sentiment":"neutral","sentiment_score":0.03855677259465059},{"text":"Got it there.","start":28.84,"end":29.74,"sentiment":"neutral","sentiment_score":0.09630428502957027},{"text":"Fantastic.","start":29.8,"end":30.3,"sentiment":"positive","sentiment_score":0.3795749545097351},{"text":"Have you had a chance to have a bit of a look through it?","start":30.6,"end":33.02,"sentiment":"neutral","sentiment_score":0.15453195359025682}],"sentiment":"neutral","sentiment_score":0.09445574320852757,"num_words":39,"start":24.095001,"end":33.02},{"sentences":[{"text":"Yep.","start":37.0,"end":37.239998,"sentiment":"neutral","sentiment_score":0.026529749855399132},{"text":"Yep.","start":37.239998,"end":37.739998,"sentiment":"neutral","sentiment_score":0.023293673992156982},{"text":"Alright.","start":39.585,"end":40.085,"sentiment":"neutral","sentiment_score":0.060316216200590134},{"text":"Yeah.","start":45.105,"end":45.605,"sentiment":"neutral","sentiment_score":0.03822952136397362},{"text":"Yeah.","start":47.745,"end":48.245,"sentiment":"neutral","sentiment_score":0.06224443763494491}],"sentiment":"neutral","sentiment_score":0.042122719809412956,"num_words":5,"start":37.0,"end":48.245},{"sentences":[{"text":"Perfect.","start":48.305,"end":48.805,"sentiment":"neutral","sentiment_score":0.06114466115832329},{"text":"Perfect.","start":50.32,"end":50.82,"sentiment":"neutral","sentiment_score":-0.06779732555150986},{"text":"Yeah.","start":56.32,"end":56.82,"sentiment":"neutral","sentiment_score":0.01940361224114895},{"text":"Yeah.","start":61.839996,"end":62.339996,"sentiment":"neutral","sentiment_score":0.01080482453107834},{"text":"Absolutely.","start":63.155003,"end":63.655003,"sentiment":"neutral","sentiment_score":0.03947591036558151}],"sentiment":"neutral","sentiment_score":0.012606336548924447,"num_words":5,"start":48.305,"end":63.655003},{"sentences":[{"text":"Absolutely.","start":64.835,"end":65.335,"sentiment":"neutral","sentiment_score":0.06512271612882614},{"text":"And with I know you were going back to the doctors over the last couple of days.","start":66.275,"end":69.555,"sentiment":"neutral","sentiment_score":0.028788205455331242},{"text":"How did that last appointment go for you?","start":69.555,"end":71.735,"sentiment":"neutral","sentiment_score":0.030398095375858247},{"text":"Yep.","start":74.435,"end":74.935,"sentiment":"neutral","sentiment_score":0.09538697451353072},{"text":"Fantastic.","start":76.28,"end":76.78,"sentiment":"neutral","sentiment_score":0.1912774443626404}],"sentiment":"neutral","sentiment_score":0.038727549669731944,"num_words":28,"start":64.835,"end":76.78},{"sentences":[{"text":"Fantastic.","start":87.975,"end":88.475,"sentiment":"positive","sentiment_score":0.3404198884963989},{"text":"Back to full pay.","start":90.215,"end":91.255,"sentiment":"neutral","sentiment_score":0.1958266757428646},{"text":"Excellent.","start":91.255,"end":91.755,"sentiment":"positive","sentiment_score":0.435687780380249},{"text":"Fantastic.","start":91.895,"end":92.395,"sentiment":"positive","sentiment_score":0.4191528558731079},{"text":"Well, good to hear that's what you've been aiming for.","start":92.615,"end":94.935,"sentiment":"neutral","sentiment_score":0.2604581624269485}],"sentiment":"neutral","sentiment_score":0.26959699129357056,"num_words":17,"start":87.975,"end":94.935},{"sentences":[{"text":"It's good to you're back early than you thought till you thought it would take a few more months.","start":94.935,"end":98.935,"sentiment":"neutral","sentiment_score":0.2730016269181904},{"text":"That's really good.","start":98.935,"end":99.915,"sentiment":"positive","sentiment_score":0.4510371486345927},{"text":"Yeah.","start":100.135,"end":100.635,"sentiment":"neutral","sentiment_score":0.09170565009117126},{"text":"Yeah.","start":107.72,"end":108.22,"sentiment":"neutral","sentiment_score":-0.06588572263717651},{"text":"Yeah.","start":112.52,"end":113.02,"sentiment":"neutral","sentiment_score":0.04836598411202431}],"sentiment":"neutral","sentiment_score":0.2645731307566166,"num_words":25,"start":94.935,"end":113.02},{"sentences":[{"text":"Of course.","start":113.08,"end":113.82,"sentiment":"neutral","sentiment_score":0.18635861575603485},{"text":"Yeah.","start":114.604996,"end":115.104996,"sentiment":"neutral","sentiment_score":0.228591650724411},{"text":"Yes.","start":118.845,"end":119.345,"sentiment":"neutral","sentiment_score":0.09403738379478456},{"text":"Absolutely.","start":119.485,"end":119.985,"sentiment":"neutral","sentiment_score":0.06733672320842743},{"text":"Yeah.","start":122.604996,"end":123.104996,"sentiment":"neutral","sentiment_score":0.06908469647169113}],"sentiment":"neutral","sentiment_score":0.13862794761856398,"num_words":6,"start":113.08,"end":123.104996},{"sentences":[{"text":"No.","start":123.165,"end":123.665,"sentiment":"neutral","sentiment_score":0.11783640831708908},{"text":"Absolutely.","start":123.725,"end":124.225,"sentiment":"positive","sentiment_score":0.4854026436805725},{"text":"All good.","start":124.765,"end":125.325,"sentiment":"positive","sentiment_score":0.5425275266170502},{"text":"All good.","start":125.325,"end":125.725,"sentiment":"positive","sentiment_score":0.4728795439004898},{"text":"Well, let's run through this one for you.","start":125.725,"end":127.825,"sentiment":"neutral","sentiment_score":0.13712376728653908}],"sentiment":"neutral","sentiment_score":0.2665030950946467,"num_words":14,"start":123.165,"end":127.825},{"sentences":[{"text":"On the front of the document there, you will see it has been prepared for yourself, Colin Andrews, as of the twenty fifth of May.","start":128.39,"end":134.33,"sentiment":"neutral","sentiment_score":0.03756408613175154},{"text":"That's the one.","start":134.71,"end":135.59,"sentiment":"neutral","sentiment_score":0.025200593595703442},{"text":"Yeah.","start":135.59,"end":135.91,"sentiment":"neutral","sentiment_score":0.08338522911071777},{"text":"Definitely.","start":135.91,"end":136.41,"sentiment":"neutral","sentiment_score":0.09515240043401718},{"text":"Attach you alright?","start":137.51,"end":138.89,"sentiment":"neutral","sentiment_score":0.018749899851779144}],"sentiment":"neutral","sentiment_score":0.03786337161154458,"num_words":33,"start":128.39,"end":138.89},{"sentences":[{"text":"Sorry if I got a bit too fast for you.","start":139.91,"end":142.01,"sentiment":"neutral","sentiment_score":-0.19649630039930344},{"text":"No.","start":147.125,"end":147.445,"sentiment":"neutral","sentiment_score":-0.08270309120416641},{"text":"That's okay.","start":147.445,"end":148.32501,"sentiment":"neutral","sentiment_score":-0.014211257919669151},{"text":"Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide.","start":148.32501,"end":161.65,"sentiment":"neutral","sentiment_score":0.06211489043198526},{"text":"So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment.","start":161.65,"end":167.35,"sentiment":"neutral","sentiment_score":0.10730295007427533}],"sentiment":"neutral","sentiment_score":0.045324336614582565,"num_words":91,"start":139.91,"end":167.35},{"sentences":[{"text":"On the front of the very bottom, it does have my license number registered for you.","start":168.21,"end":172.05,"sentiment":"neutral","sentiment_score":0.09639141894876957},{"text":"It's 1304394.","start":172.05,"end":174.37,"sentiment":"neutral","sentiment_score":0.06209230236709118},{"text":"I'm an authorized representative registered with Assic.","start":174.37,"end":176.97499,"sentiment":"neutral","sentiment_score":0.07588308943169457},{"text":"To make this a bit easier, we're sort of scoping in areas of superannuation.","start":178.39499,"end":181.69499,"sentiment":"neutral","sentiment_score":0.08020344243517943},{"text":"We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope.","start":182.39499,"end":192.25,"sentiment":"neutral","sentiment_score":0.05540032089791364}],"sentiment":"neutral","sentiment_score":0.07086518240471681,"num_words":75,"start":168.21,"end":192.25},{"sentences":[{"text":"So we're looking towards your retirement goals down the track here.","start":192.25,"end":195.47,"sentiment":"neutral","sentiment_score":0.06610384481874379},{"text":"So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll keep updating and changing it to reflect the changes in your circumstances as you get closer to it.","start":195.69,"end":208.325,"sentiment":"neutral","sentiment_score":0.06649283812889321},{"text":"Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings.","start":209.025,"end":213.98499,"sentiment":"neutral","sentiment_score":-0.06430022212627687},{"text":"We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney.","start":213.98499,"end":220.42,"sentiment":"neutral","sentiment_score":-0.08920826957277629},{"text":"You were really happy with how they are structured, so we're not looking to make any alterations to that side of the estate planning side of things for you.","start":220.42,"end":227.86,"sentiment":"neutral","sentiment_score":0.08609163863905545}],"sentiment":"neutral","sentiment_score":0.022825319608229967,"num_words":126,"start":192.25,"end":227.86},{"sentences":[{"text":"Okay?","start":227.86,"end":228.36,"sentiment":"neutral","sentiment_score":0.0241681020706892},{"text":"Perfect.","start":230.355,"end":230.855,"sentiment":"positive","sentiment_score":0.7056374549865723},{"text":"Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the areas that I need to, and then I'll let you go back and have a really good review of things if you like.","start":230.915,"end":241.415,"sentiment":"neutral","sentiment_score":0.2710755598180148},{"text":"To make it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and I'll just sort of run you through the recommendations as we are going through.","start":242.035,"end":253.23999,"sentiment":"neutral","sentiment_score":0.15530580445760633},{"text":"Okay?","start":253.3,"end":253.8,"sentiment":"neutral","sentiment_score":0.07927227020263672}],"sentiment":"neutral","sentiment_score":0.219992669259188,"num_words":93,"start":227.86,"end":253.8},{"sentences":[{"text":"Perfect.","start":255.54,"end":256.03998,"sentiment":"positive","sentiment_score":0.4057818055152893},{"text":"You're right.","start":257.94498,"end":258.685,"sentiment":"neutral","sentiment_score":0.2391607165336609},{"text":"That's the one?","start":261.705,"end":262.50497,"sentiment":"neutral","sentiment_score":0.14448836942513785},{"text":"Perfect.","start":262.50497,"end":263.00497,"sentiment":"positive","sentiment_score":0.3838490843772888},{"text":"So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you.","start":263.22498,"end":269.91,"sentiment":"neutral","sentiment_score":0.1534269837581593}],"sentiment":"neutral","sentiment_score":0.17434126858909924,"num_words":30,"start":255.54,"end":269.91},{"sentences":[{"text":"So at the moment, one of the things we did sort of talk about was reducing your risk level.","start":270.39,"end":274.39,"sentiment":"neutral","sentiment_score":0.09639978957803626},{"text":"At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments.","start":274.39,"end":281.05,"sentiment":"neutral","sentiment_score":0.07290201520790225},{"text":"And we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment.","start":281.67,"end":292.505,"sentiment":"neutral","sentiment_score":0.11261456683278084},{"text":"So we're starting to step down and reduce that risk level gradually for you.","start":292.565,"end":297.305,"sentiment":"neutral","sentiment_score":0.1032002078635352},{"text":"We are looking to make a bit of an switch with the investments there.","start":297.95,"end":300.83002,"sentiment":"neutral","sentiment_score":0.16275604282106673}],"sentiment":"neutral","sentiment_score":0.10695117712020874,"num_words":115,"start":270.39,"end":300.83002},{"sentences":[{"text":"So you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying.","start":300.83002,"end":305.25,"sentiment":"neutral","sentiment_score":0.11136512830853462},{"text":"So, essentially, we'll be selling off some of the Aveda shares cybersecurity.","start":305.39,"end":309.81003,"sentiment":"neutral","sentiment_score":0.07628741518904765},{"text":"We still wanna hold about 4% of your total portfolio.","start":310.11002,"end":312.85,"sentiment":"neutral","sentiment_score":0.08042770065367222},{"text":"We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio.","start":313.815,"end":319.115,"sentiment":"neutral","sentiment_score":0.03648425079882145},{"text":"With the health care side of things, we'll sell that completely down as well.","start":319.895,"end":323.755,"sentiment":"neutral","sentiment_score":-0.14094414455550058}],"sentiment":"neutral","sentiment_score":0.03754285923940571,"num_words":76,"start":300.83002,"end":323.755},{"sentences":[{"text":"We are gonna retain the S and P 500, so buying a bit more of that in there.","start":324.055,"end":328.77,"sentiment":"neutral","sentiment_score":0.11486794261468782},{"text":"I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested.","start":328.84998,"end":335.97,"sentiment":"neutral","sentiment_score":0.09920792430639266},{"text":"So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well.","start":335.97,"end":343.03,"sentiment":"neutral","sentiment_score":0.18227576404809953},{"text":"So we do wanna hold about 25% there.","start":343.795,"end":346.615,"sentiment":"neutral","sentiment_score":0.15213234815746546},{"text":"One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index.","start":346.915,"end":352.915,"sentiment":"neutral","sentiment_score":0.15652038782835007}],"sentiment":"neutral","sentiment_score":0.13897003092855778,"num_words":106,"start":324.055,"end":352.915},{"sentences":[{"text":"So you're tracking the top 500 companies in The US.","start":352.915,"end":355.975,"sentiment":"neutral","sentiment_score":0.08177895471453667},{"text":"To be in that index, these companies actually have to meet a certain criteria.","start":356.72,"end":360.82,"sentiment":"neutral","sentiment_score":0.03792290735457625},{"text":"So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index.","start":361.28003,"end":367.68002,"sentiment":"neutral","sentiment_score":-0.12085504355755719},{"text":"So yeah.","start":367.68002,"end":369.22,"sentiment":"neutral","sentiment_score":-0.03609011694788933},{"text":"Yep.","start":370.775,"end":371.275,"sentiment":"neutral","sentiment_score":-0.2439396232366562}],"sentiment":"neutral","sentiment_score":-0.03318817480182161,"num_words":49,"start":352.915,"end":371.275},{"sentences":[{"text":"Absolutely.","start":372.375,"end":372.875,"sentiment":"neutral","sentiment_score":0.1543239802122116},{"text":"Yeah.","start":373.25497,"end":373.57498,"sentiment":"neutral","sentiment_score":0.1106523871421814},{"text":"So you are always tracking the top 500 companies, which is really good to kind of know.","start":373.57498,"end":377.995,"sentiment":"neutral","sentiment_score":0.24852747645448237},{"text":"Yeah.","start":378.055,"end":378.555,"sentiment":"neutral","sentiment_score":0.07006612420082092},{"text":"So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred.","start":379.655,"end":385.46,"sentiment":"neutral","sentiment_score":-0.027135172319647512}],"sentiment":"neutral","sentiment_score":0.10370362351815669,"num_words":39,"start":372.375,"end":385.46},{"sentences":[{"text":"We're going to get rid of that investment completely, and we are also getting rid of Bennelong Australian Equities.","start":385.46,"end":390.66,"sentiment":"neutral","sentiment_score":-0.11171444309385199},{"text":"It's the one that has been underperforming a bit in recent months there.","start":390.66,"end":394.36,"sentiment":"neutral","sentiment_score":-0.3256230400158809},{"text":"Bennelong was meant to be more of an actively managed fund within your portfolio, and it was supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that.","start":394.9,"end":413.5,"sentiment":"neutral","sentiment_score":-0.014712393506249385},{"text":"They've had some underlying issues, so we've reviewed them and decided they're not worth keeping in the portfolio.","start":413.5,"end":418.64,"sentiment":"negative","sentiment_score":-0.39174607892831165},{"text":"So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper.","start":419.58002,"end":424.96002,"sentiment":"neutral","sentiment_score":0.008654958127360595}],"sentiment":"neutral","sentiment_score":-0.10462051117792726,"num_words":136,"start":385.46,"end":424.96002},{"sentences":[{"text":"We're actually on the top of the next page.","start":425.345,"end":427.665,"sentiment":"neutral","sentiment_score":0.22226355142063564},{"text":"We're placing them with the a 200 here, so the BetaShares Australian 200.","start":427.665,"end":431.92502,"sentiment":"neutral","sentiment_score":0.10211978336939445},{"text":"By doing this, the a 200 tracks the top 200 companies on the ASX.","start":433.18503,"end":437.765,"sentiment":"neutral","sentiment_score":0.12576403894594737},{"text":"Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies on the Australian share market.","start":438.65,"end":451.85,"sentiment":"neutral","sentiment_score":0.13928685314022005},{"text":"So it's more of a passively managed fund.","start":451.85,"end":453.975,"sentiment":"neutral","sentiment_score":0.22384007647633553}],"sentiment":"neutral","sentiment_score":0.1491648105806426,"num_words":76,"start":425.345,"end":453.975},{"sentences":[{"text":"It's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well.","start":453.975,"end":461.015,"sentiment":"positive","sentiment_score":0.3485504516533443},{"text":"Okay.","start":461.015,"end":461.515,"sentiment":"neutral","sentiment_score":0.06742769479751587},{"text":"Yeah.","start":462.375,"end":462.875,"sentiment":"neutral","sentiment_score":0.2417265772819519},{"text":"Perfect.","start":463.095,"end":463.595,"sentiment":"positive","sentiment_score":0.40680626034736633},{"text":"We've also got down here for the JPMorgan Global Enhanced Research Index Fund there.","start":464.82,"end":469.86,"sentiment":"neutral","sentiment_score":0.03873514384031296}],"sentiment":"neutral","sentiment_score":0.2257318955503012,"num_words":38,"start":453.975,"end":469.86},{"sentences":[{"text":"We are gonna remove that from the portfolio wholly, and we've got some physical gold there.","start":469.86,"end":475.22,"sentiment":"neutral","sentiment_score":0.06984819128410891},{"text":"It has done really well.","start":475.22,"end":476.26,"sentiment":"positive","sentiment_score":0.48982677459716795},{"text":"We're just rebalancing it back a little bit.","start":476.26,"end":478.26,"sentiment":"neutral","sentiment_score":0.031598083674907684},{"text":"At the moment, you've got about 10.54%.","start":478.26,"end":480.965,"sentiment":"neutral","sentiment_score":-0.0031940676937145846},{"text":"We just wanna hold 10% overall in the new portfolio.","start":480.965,"end":484.105,"sentiment":"neutral","sentiment_score":0.026404551416635513}],"sentiment":"neutral","sentiment_score":0.08828644876611298,"num_words":46,"start":469.86,"end":484.105},{"sentences":[{"text":"So it's just about selling a little bit of that off and spreading that across other areas.","start":484.64502,"end":489.225,"sentiment":"neutral","sentiment_score":0.005243586540660437},{"text":"We've got the iShares Yield plus that one there is being completely sold down.","start":490.565,"end":495.065,"sentiment":"neutral","sentiment_score":-0.1287341932100909},{"text":"And the bank hybrids, again, they are being removed completely as well.","start":495.33,"end":499.35,"sentiment":"neutral","sentiment_score":-0.12101994610081117},{"text":"Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there.","start":499.88998,"end":509.625,"sentiment":"neutral","sentiment_score":0.05971752569593232},{"text":"And bank hybrids over the next couple of years are actually gonna be phased out by the government.","start":509.625,"end":514.105,"sentiment":"neutral","sentiment_score":-0.13556698130236733}],"sentiment":"neutral","sentiment_score":-0.043041938946892816,"num_words":90,"start":484.64502,"end":514.105},{"sentences":[{"text":"So we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather than in a couple of years.","start":514.105,"end":521.145,"sentiment":"neutral","sentiment_score":-0.08094870872222461},{"text":"Once they're fully phased out, We have to make that change quickly.","start":521.145,"end":524.85,"sentiment":"neutral","sentiment_score":-0.13336719075838724},{"text":"So we're just making the change whilst we're doing all the other changes here at the moment for you.","start":524.85,"end":530.13,"sentiment":"neutral","sentiment_score":0.04190133016948637},{"text":"Okay?","start":530.13,"end":530.63,"sentiment":"neutral","sentiment_score":0.03461956977844238},{"text":"Perfect.","start":532.05,"end":532.55,"sentiment":"positive","sentiment_score":0.5722284913063049}],"sentiment":"neutral","sentiment_score":-0.039018633585991495,"num_words":59,"start":514.105,"end":532.55},{"sentences":[{"text":"Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well.","start":533.49,"end":548.425,"sentiment":"neutral","sentiment_score":0.22910206871373312},{"text":"So, essentially, this is yeah, diversifying across the globe.","start":548.425,"end":552.24,"sentiment":"neutral","sentiment_score":0.2654222283098433},{"text":"Not The US because you have the S and P 500 there.","start":553.02,"end":555.58,"sentiment":"neutral","sentiment_score":0.05115449459602436},{"text":"That's why it's ex US.","start":555.58,"end":556.96,"sentiment":"neutral","sentiment_score":0.08826661854982376},{"text":"But it is, again, giving you diversification.","start":557.26,"end":558.96,"sentiment":"neutral","sentiment_score":0.2548970175640924}],"sentiment":"neutral","sentiment_score":0.19800737455487252,"num_words":75,"start":533.49,"end":558.96},{"sentences":[{"text":"So one of the important parts of diversifying your portfolio is not only having growth in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there.","start":559.42004,"end":575.70496,"sentiment":"neutral","sentiment_score":0.279928477636228},{"text":"So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well.","start":575.70496,"end":585.28,"sentiment":"positive","sentiment_score":0.47281529151258017},{"text":"Okay?","start":585.28,"end":585.78,"sentiment":"neutral","sentiment_score":0.16955751180648804},{"text":"The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with.","start":587.36005,"end":592.98004,"sentiment":"neutral","sentiment_score":0.10537593699991703},{"text":"And then defensive investments wise, we've also got the core composite bonds in there.","start":593.2,"end":598.545,"sentiment":"neutral","sentiment_score":0.14071072318724223}],"sentiment":"neutral","sentiment_score":0.2655068694685514,"num_words":104,"start":559.42004,"end":598.545},{"sentences":[{"text":"So bonds this is looking at bonds both corporate and government.","start":598.545,"end":602.005,"sentiment":"neutral","sentiment_score":0.16877333684401077},{"text":"It also has bank notes, and it also does have some diversification across the globe as well.","start":602.225,"end":607.665,"sentiment":"neutral","sentiment_score":0.23470275717623093},{"text":"So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important.","start":607.665,"end":622.5,"sentiment":"positive","sentiment_score":0.36149486899375916},{"text":"You wanna have dividends and income produced out of your portfolio.","start":622.56,"end":626.315,"sentiment":"positive","sentiment_score":0.4233303828672929},{"text":"That goes into your cash account, and we can reinvest that back into your portfolio for compounding.","start":626.535,"end":632.075,"sentiment":"positive","sentiment_score":0.43430081360480366}],"sentiment":"positive","sentiment_score":0.33860641226027777,"num_words":103,"start":598.545,"end":632.075},{"sentences":[{"text":"So bonds are really good.","start":632.21497,"end":634.455,"sentiment":"positive","sentiment_score":0.614913859218359},{"text":"A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool.","start":634.455,"end":645.35,"sentiment":"neutral","sentiment_score":0.27638295931475504},{"text":"Okay.","start":645.41,"end":645.91,"sentiment":"neutral","sentiment_score":0.1428643763065338},{"text":"Beautiful.","start":647.00995,"end":647.50995,"sentiment":"positive","sentiment_score":0.5361573100090027},{"text":"I try to keep that pretty brief.","start":648.365,"end":649.805,"sentiment":"neutral","sentiment_score":0.30493385451180594}],"sentiment":"neutral","sentiment_score":0.3175822763266612,"num_words":49,"start":632.21497,"end":649.805},{"sentences":[{"text":"Not everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know.","start":649.805,"end":656.285,"sentiment":"neutral","sentiment_score":0.09610979230358051},{"text":"Happy to go further down for you.","start":656.285,"end":658.305,"sentiment":"positive","sentiment_score":0.4584930028234209},{"text":"But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio.","start":658.52496,"end":665.72003,"sentiment":"neutral","sentiment_score":0.18904105915377536},{"text":"Okay.","start":666.10004,"end":666.60004,"sentiment":"neutral","sentiment_score":0.08015825599431992},{"text":"Yeah.","start":667.46,"end":667.96,"sentiment":"neutral","sentiment_score":0.1321398764848709}],"sentiment":"neutral","sentiment_score":0.17724727409875998,"num_words":59,"start":649.805,"end":667.96},{"sentences":[{"text":"Easy.","start":668.9,"end":669.4,"sentiment":"positive","sentiment_score":0.36023443937301636},{"text":"All good.","start":669.62,"end":670.28,"sentiment":"positive","sentiment_score":0.4679574966430664},{"text":"If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there.","start":670.74,"end":677.48,"sentiment":"neutral","sentiment_score":0.10180400280902784},{"text":"Yeah.","start":679.045,"end":679.365,"sentiment":"neutral","sentiment_score":0.28497081995010376},{"text":"Beautiful.","start":679.365,"end":679.865,"sentiment":"positive","sentiment_score":0.4729080498218536}],"sentiment":"neutral","sentiment_score":0.155080150684406,"num_words":29,"start":668.9,"end":679.865},{"sentences":[{"text":"So we're moving you down into that balanced growth environment.","start":680.005,"end":682.825,"sentiment":"neutral","sentiment_score":0.2615892171859741},{"text":"So starting to reduce your risk level gradually as you get closer to accessing super.","start":682.885,"end":687.385,"sentiment":"neutral","sentiment_score":0.10297476773460706},{"text":"So this risk profile generally sees at 20 oh, sorry.","start":687.605,"end":690.5,"sentiment":"neutral","sentiment_score":0.0800166230648756},{"text":"70% in growth investments and 30% defensive.","start":690.5,"end":693.8,"sentiment":"neutral","sentiment_score":0.09664595020668847},{"text":"It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also some cash in there as well.","start":694.5,"end":711.135,"sentiment":"neutral","sentiment_score":0.08700125704964866}],"sentiment":"neutral","sentiment_score":0.1095370385711166,"num_words":88,"start":680.005,"end":711.135},{"sentences":[{"text":"So it's about diversifying there.","start":711.135,"end":713.635,"sentiment":"neutral","sentiment_score":0.13613420575857163},{"text":"With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments.","start":713.695,"end":723.13,"sentiment":"neutral","sentiment_score":0.08796616760082543},{"text":"So a bit overweighted with where we are at the moment, more in that growth kind of allocation.","start":723.19,"end":727.93,"sentiment":"neutral","sentiment_score":0.005184202351503902},{"text":"So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%.","start":729.43,"end":738.365,"sentiment":"neutral","sentiment_score":0.08436758366102974},{"text":"So it's about sort of a 5% variance from where that growth in defensive allocation for your risk profile is, but it's very much in line with that.","start":738.365,"end":746.545,"sentiment":"neutral","sentiment_score":0.07083541580608912}],"sentiment":"neutral","sentiment_score":0.06963018529267624,"num_words":99,"start":711.135,"end":746.545},{"sentences":[{"text":"And it's about just reducing your risk level a little bit, which is what this portfolio does for you.","start":747.06,"end":752.18,"sentiment":"neutral","sentiment_score":0.16043444722890854},{"text":"Does that make sense?","start":752.18,"end":753.24,"sentiment":"neutral","sentiment_score":0.13193906657397747},{"text":"Yep.","start":754.58,"end":755.08,"sentiment":"neutral","sentiment_score":0.10961611568927764},{"text":"Perfect.","start":755.22003,"end":755.72003,"sentiment":"positive","sentiment_score":0.5484768748283386},{"text":"Excellent.","start":756.26,"end":756.76,"sentiment":"positive","sentiment_score":0.38882672786712646}],"sentiment":"neutral","sentiment_score":0.17780501853961211,"num_words":26,"start":747.06,"end":756.76},{"sentences":[{"text":"We've also got here on the next page to see comparison table.","start":757.86005,"end":762.02,"sentiment":"neutral","sentiment_score":0.07029278824726741},{"text":"So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment.","start":762.02,"end":783.10004,"sentiment":"neutral","sentiment_score":0.13147428818047047},{"text":"With where you are currently, you're in that growth portfolio, which hasn't done too badly.","start":783.72003,"end":787.80005,"sentiment":"neutral","sentiment_score":0.1125909999012947},{"text":"You've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there.","start":787.80005,"end":797.195,"sentiment":"neutral","sentiment_score":0.3233694463968277},{"text":"But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible.","start":797.655,"end":805.63,"sentiment":"neutral","sentiment_score":0.14349238947033882}],"sentiment":"neutral","sentiment_score":0.15950457767060358,"num_words":146,"start":757.86005,"end":805.63},{"sentences":[{"text":"So the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there.","start":805.77,"end":817.585,"sentiment":"neutral","sentiment_score":0.1206292158401594},{"text":"So with making the changes to your investments as noted above, we actually noted that there's no capital gains.","start":817.585,"end":823.765,"sentiment":"neutral","sentiment_score":0.11355416927682727},{"text":"The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit.","start":824.545,"end":837.11005,"sentiment":"neutral","sentiment_score":0.15110956877470016},{"text":"So it actually means that there's no CGT consequences your super fund has to account for, which is great.","start":837.41003,"end":842.905,"sentiment":"positive","sentiment_score":0.4358938105012241},{"text":"No additional tax for your super fund to worry about.","start":842.905,"end":845.545,"sentiment":"neutral","sentiment_score":0.269376865029335}],"sentiment":"neutral","sentiment_score":0.18815218073129653,"num_words":125,"start":805.77,"end":845.545},{"sentences":[{"text":"So yeah.","start":845.545,"end":847.545,"sentiment":"positive","sentiment_score":0.41371941566467285},{"text":"Absolutely.","start":847.545,"end":848.045,"sentiment":"positive","sentiment_score":0.3615888059139252},{"text":"Absolutely.","start":848.425,"end":848.925,"sentiment":"neutral","sentiment_score":0.28833478689193726},{"text":"So it does mean the balance expected in the recommended would be about the same as the $311,002.79.","start":849.305,"end":855.805,"sentiment":"neutral","sentiment_score":0.22044220897886488},{"text":"We are retaining Hub twenty four, so there's no change in the investment fees there.","start":856.47,"end":861.20996,"sentiment":"neutral","sentiment_score":0.13987070918083191}],"sentiment":"neutral","sentiment_score":0.20387521144506093,"num_words":37,"start":845.545,"end":861.20996},{"sentences":[{"text":"Hub twenty four is still a great platform.","start":861.35,"end":863.11,"sentiment":"positive","sentiment_score":0.5248747989535332},{"text":"There's no real major changes that needs to happen to that at the moment.","start":863.11,"end":866.41,"sentiment":"neutral","sentiment_score":0.04924842715263367},{"text":"We do wanna obviously keep checking things.","start":866.55,"end":868.64996,"sentiment":"neutral","sentiment_score":0.04948866207684789},{"text":"We do reevaluate.","start":868.775,"end":869.835,"sentiment":"neutral","sentiment_score":0.024266555284460384},{"text":"We are looking at investments, other platforms out there, and we did consider a few.","start":870.135,"end":874.295,"sentiment":"neutral","sentiment_score":-0.0036519570897022885}],"sentiment":"neutral","sentiment_score":0.11176419820874295,"num_words":47,"start":861.35,"end":874.295},{"sentences":[{"text":"But the the capital gains cost of selling down your portfolio completely and moving to a new fund just doesn't really add up at all.","start":874.295,"end":882.53503,"sentiment":"negative","sentiment_score":-0.38641900092363357},{"text":"So it ended up being too much.","start":882.53503,"end":884.295,"sentiment":"negative","sentiment_score":-0.5118127529110227},{"text":"It's best to try and retain where you can and switch investments where you can as well.","start":884.295,"end":888.82996,"sentiment":"neutral","sentiment_score":0.23060425064143011},{"text":"So Yeah.","start":888.82996,"end":900.385,"sentiment":"neutral","sentiment_score":0.08592077251523733},{"text":"Yeah.","start":903.085,"end":903.585,"sentiment":"neutral","sentiment_score":0.06224323436617851}],"sentiment":"neutral","sentiment_score":-0.1747847548685968,"num_words":52,"start":874.295,"end":903.585},{"sentences":[{"text":"Yeah.","start":907.805,"end":908.305,"sentiment":"neutral","sentiment_score":0.013246512040495872},{"text":"Yeah.","start":917.98004,"end":918.48004,"sentiment":"neutral","sentiment_score":-0.021893871948122975},{"text":"Yeah.","start":919.10004,"end":919.60004,"sentiment":"neutral","sentiment_score":-0.02233920246362686},{"text":"Yeah.","start":923.275,"end":923.59503,"sentiment":"neutral","sentiment_score":0.036922886967659},{"text":"That's good.","start":923.59503,"end":924.395,"sentiment":"neutral","sentiment_score":0.16389357671141624}],"sentiment":"neutral","sentiment_score":0.05562057966987292,"num_words":6,"start":907.805,"end":924.395},{"sentences":[{"text":"That's good.","start":924.395,"end":925.215,"sentiment":"positive","sentiment_score":0.3567188233137131},{"text":"Yeah.","start":926.875,"end":927.375,"sentiment":"neutral","sentiment_score":0.15670081973075867},{"text":"Perfect.","start":927.515,"end":928.015,"sentiment":"positive","sentiment_score":0.4050379395484924},{"text":"Yeah.","start":928.47504,"end":928.97504,"sentiment":"neutral","sentiment_score":0.19146063923835752},{"text":"Yep.","start":931.275,"end":931.775,"sentiment":"neutral","sentiment_score":0.23765268921852112}],"sentiment":"neutral","sentiment_score":0.28404828906059265,"num_words":6,"start":924.395,"end":931.775},{"sentences":[{"text":"Yep.","start":934.64996,"end":935.14996,"sentiment":"neutral","sentiment_score":0.14050185680389404},{"text":"Yeah.","start":936.49,"end":936.97,"sentiment":"neutral","sentiment_score":0.31207430362701416},{"text":"Perfect.","start":936.97,"end":937.47,"sentiment":"positive","sentiment_score":0.5190427303314209},{"text":"Perfect.","start":937.61,"end":938.11,"sentiment":"positive","sentiment_score":0.5185228586196899},{"text":"The good thing about the investment switch is you'll see your investment fees do drop.","start":939.20996,"end":943.20996,"sentiment":"positive","sentiment_score":0.45598129034042356}],"sentiment":"positive","sentiment_score":0.43841374234149333,"num_words":19,"start":934.64996,"end":943.20996},{"sentences":[{"text":"So we started off with the $12.58.","start":943.20996,"end":945.375,"sentiment":"neutral","sentiment_score":0.30538216659000944},{"text":"It's down to $5.29 with the new portfolio.","start":945.375,"end":947.795,"sentiment":"positive","sentiment_score":0.3546035625040531},{"text":"So it essentially saves $729 in investment fees for the first year, which is great.","start":947.855,"end":953.53503,"sentiment":"positive","sentiment_score":0.526559958855311},{"text":"Any kind of saving on fees means that that money stays in your super in your portfolio growing towards your retirement, which is a a great advantage to the changes.","start":953.53503,"end":962.77997,"sentiment":"positive","sentiment_score":0.45459375381469724},{"text":"The ongoing service fee, that does encounter a bit of growth there.","start":963.56,"end":967.39996,"sentiment":"neutral","sentiment_score":0.16079048129419485}],"sentiment":"positive","sentiment_score":0.39500279776338076,"num_words":72,"start":943.20996,"end":967.39996},{"sentences":[{"text":"That's why you see it goes up a little bit for this side of the projection table.","start":967.39996,"end":971.95996,"sentiment":"neutral","sentiment_score":0.2161265541525448},{"text":"We also factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income.","start":971.95996,"end":980.185,"sentiment":"neutral","sentiment_score":0.18348242236035212},{"text":"And you'll see your insurance premiums going down there as well.","start":980.485,"end":983.445,"sentiment":"neutral","sentiment_score":0.2524773437868465},{"text":"So we've made that recommendation to reduce your life down to that 300,000, cancel your TBD, which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward.","start":983.445,"end":997.10004,"sentiment":"neutral","sentiment_score":0.16381847809411978},{"text":"Okay?","start":997.16003,"end":997.66003,"sentiment":"neutral","sentiment_score":0.1509484499692917}],"sentiment":"neutral","sentiment_score":0.189104848904045,"num_words":95,"start":967.39996,"end":997.66003},{"sentences":[{"text":"Excellent.","start":998.84,"end":999.34,"sentiment":"positive","sentiment_score":0.6410079002380371},{"text":"We as we noted, we are looking to reduce that risk level a bit.","start":1000.28,"end":1004.36005,"sentiment":"neutral","sentiment_score":0.28955029270478655},{"text":"So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio.","start":1004.36005,"end":1015.295,"sentiment":"positive","sentiment_score":0.4883004926866101},{"text":"So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you in a much greater position moving forward there.","start":1015.435,"end":1029.14,"sentiment":"positive","sentiment_score":0.43703141866945755},{"text":"Okay.","start":1029.2001,"end":1029.7001,"sentiment":"neutral","sentiment_score":0.21526236832141876}],"sentiment":"positive","sentiment_score":0.43199889787605833,"num_words":98,"start":998.84,"end":1029.7001},{"sentences":[{"text":"Perfect.","start":1031.92,"end":1032.42,"sentiment":"positive","sentiment_score":0.5092576146125793},{"text":"Perfect.","start":1032.8,"end":1033.3,"sentiment":"positive","sentiment_score":0.5024016499519348},{"text":"That's the sense of the projection side of things there.","start":1034.56,"end":1036.875,"sentiment":"neutral","sentiment_score":0.2286555588245392},{"text":"If you go down to the next page, page number 24, we've got the retirement income calculated there.","start":1036.875,"end":1042.715,"sentiment":"neutral","sentiment_score":0.12594691208667225},{"text":"So by looking at the changes that we are making, we're sort of projecting forward to retirement.","start":1042.715,"end":1047.2949,"sentiment":"neutral","sentiment_score":0.21060148933354547}],"sentiment":"neutral","sentiment_score":0.1945847784902187,"num_words":47,"start":1031.92,"end":1047.2949},{"sentences":[{"text":"We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well.","start":1048.0499,"end":1053.4099,"sentiment":"neutral","sentiment_score":0.19077725573019547},{"text":"So this sort of shows that with your super balance retiring at the age that you want to.","start":1053.4099,"end":1058.1499,"sentiment":"neutral","sentiment_score":0.13872501047121155},{"text":"And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both.","start":1058.69,"end":1071.095,"sentiment":"neutral","sentiment_score":0.1589159843596545},{"text":"But, realistically, we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there.","start":1071.555,"end":1084.2999,"sentiment":"neutral","sentiment_score":0.15331037132403788},{"text":"And that's just factoring in your super and the expected pension side of things.","start":1084.2999,"end":1088.96,"sentiment":"neutral","sentiment_score":0.13439974082367762}],"sentiment":"neutral","sentiment_score":0.15740020140200048,"num_words":148,"start":1048.0499,"end":1088.96},{"sentences":[{"text":"We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we need to to make sure everything continues to work hard for you.","start":1089.66,"end":1099.265,"sentiment":"neutral","sentiment_score":0.08788587988326044},{"text":"Okay.","start":1099.325,"end":1099.825,"sentiment":"neutral","sentiment_score":0.19990618526935575},{"text":"Yeah.","start":1100.845,"end":1101.345,"sentiment":"neutral","sentiment_score":0.24902018904685977},{"text":"Beautiful.","start":1101.405,"end":1101.8049,"sentiment":"neutral","sentiment_score":0.08197420090436935},{"text":"It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition.","start":1101.8049,"end":1111.72,"sentiment":"positive","sentiment_score":0.7526293216749679}],"sentiment":"positive","sentiment_score":0.4530910815619215,"num_words":79,"start":1089.66,"end":1111.72},{"sentences":[{"text":"Yep.","start":1131.01,"end":1131.51,"sentiment":"neutral","sentiment_score":0.03651846945285797},{"text":"Yep.","start":1135.33,"end":1135.83,"sentiment":"neutral","sentiment_score":-0.004500679671764374},{"text":"Yeah.","start":1143.505,"end":1144.005,"sentiment":"neutral","sentiment_score":-0.04743021726608277},{"text":"Yeah.","start":1145.505,"end":1146.005,"sentiment":"neutral","sentiment_score":-0.0055971331894397736},{"text":"Yeah.","start":1152.145,"end":1152.645,"sentiment":"neutral","sentiment_score":0.03877146169543266}],"sentiment":"neutral","sentiment_score":0.003552380204200743,"num_words":5,"start":1131.01,"end":1152.645},{"sentences":[{"text":"Yeah.","start":1160.8,"end":1161.3,"sentiment":"neutral","sentiment_score":0.006904358044266701},{"text":"Yeah.","start":1189.5901,"end":1190.0901,"sentiment":"neutral","sentiment_score":-0.07061885297298431},{"text":"Yeah.","start":1200.485,"end":1200.805,"sentiment":"neutral","sentiment_score":0.012536611407995224},{"text":"Yeah.","start":1200.805,"end":1201.305,"sentiment":"neutral","sentiment_score":0.012460451573133469},{"text":"That's it.","start":1204.02,"end":1204.76,"sentiment":"neutral","sentiment_score":-0.03072262927889824}],"sentiment":"neutral","sentiment_score":-0.016693781750897568,"num_words":6,"start":1160.8,"end":1204.76},{"sentences":[{"text":"Yeah.","start":1205.14,"end":1205.64,"sentiment":"neutral","sentiment_score":0.007883694022893906},{"text":"No.","start":1208.5,"end":1208.9801,"sentiment":"neutral","sentiment_score":-0.27533411979675293},{"text":"No.","start":1208.9801,"end":1209.3,"sentiment":"neutral","sentiment_score":-0.27280521392822266},{"text":"Definitely not.","start":1209.3,"end":1210.42,"sentiment":"neutral","sentiment_score":-0.1438773274421692},{"text":"And, look, there's still plenty of time to to work towards it.","start":1210.42,"end":1213.38,"sentiment":"neutral","sentiment_score":0.23622983818252882}],"sentiment":"neutral","sentiment_score":0.11804398609434857,"num_words":17,"start":1205.14,"end":1213.38},{"sentences":[{"text":"And even when you go into this retirement years, your money remains invested.","start":1213.38,"end":1217.125,"sentiment":"neutral","sentiment_score":0.11585286976053165},{"text":"We look to draw down a pension and keep everything sort of still working harder for you.","start":1217.125,"end":1221.125,"sentiment":"neutral","sentiment_score":0.08308970928192139},{"text":"So it's just about, you know, creating that longevity and continuously altering and changing.","start":1221.125,"end":1226.085,"sentiment":"neutral","sentiment_score":0.32782948336430956},{"text":"And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on.","start":1226.085,"end":1233.1699,"sentiment":"neutral","sentiment_score":0.11022975360011232},{"text":"You're going back into that full time work.","start":1233.23,"end":1234.99,"sentiment":"neutral","sentiment_score":0.10994630120694637}],"sentiment":"neutral","sentiment_score":0.143018004886898,"num_words":81,"start":1213.38,"end":1234.99},{"sentences":[{"text":"But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR strategy, add additional contributions.","start":1234.99,"end":1241.745,"sentiment":"neutral","sentiment_score":0.15869565275700195},{"text":"Everything in the advice world is liquid.","start":1241.965,"end":1244.285,"sentiment":"neutral","sentiment_score":0.11162222815411431},{"text":"We can be moving things back and forth and altering the advice as we need to.","start":1244.285,"end":1248.045,"sentiment":"neutral","sentiment_score":0.1684562060981989},{"text":"So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself.","start":1248.045,"end":1263.05,"sentiment":"positive","sentiment_score":0.40042273904763015},{"text":"So, yeah, doing well.","start":1263.27,"end":1265.8501,"sentiment":"neutral","sentiment_score":0.22501961886882782}],"sentiment":"neutral","sentiment_score":0.2816662680689651,"num_words":101,"start":1234.99,"end":1265.8501},{"sentences":[{"text":"All good.","start":1267.8301,"end":1268.7301,"sentiment":"neutral","sentiment_score":0.08342360705137253},{"text":"That's it.","start":1270.0349,"end":1270.835,"sentiment":"neutral","sentiment_score":-0.09082169085741043},{"text":"That's it.","start":1270.835,"end":1271.6549,"sentiment":"neutral","sentiment_score":-0.064811572432518},{"text":"If you scroll down to page 25 there, Colin, you'll see that we've got the insurance side of things.","start":1272.355,"end":1278.5149,"sentiment":"neutral","sentiment_score":0.0004248673978604768},{"text":"So we did give you all those different quotes that had a bit of a chat about the insurance side of things.","start":1278.5149,"end":1282.9149,"sentiment":"neutral","sentiment_score":0.009143037890846079}],"sentiment":"neutral","sentiment_score":0.001378723440018106,"num_words":47,"start":1267.8301,"end":1282.9149},{"sentences":[{"text":"So at the moment, you do have your life and TPD covered there.","start":1282.9149,"end":1286.56,"sentiment":"neutral","sentiment_score":-0.02906908610692391},{"text":"You are happy just to cancel the TPD.","start":1286.56,"end":1288.5801,"sentiment":"neutral","sentiment_score":-0.15369813330471516},{"text":"It is the largest portion of the cost of your cover.","start":1288.64,"end":1291.7001,"sentiment":"neutral","sentiment_score":-0.11738487129861658},{"text":"And, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off.","start":1292.16,"end":1297.8401,"sentiment":"neutral","sentiment_score":0.029779739766603426},{"text":"Your super balance does that, and then does also provide additional cover and carrier's still working as well.","start":1297.8401,"end":1304.055,"sentiment":"neutral","sentiment_score":0.1256845889406072}],"sentiment":"neutral","sentiment_score":-0.00015520611384385068,"num_words":71,"start":1282.9149,"end":1304.055},{"sentences":[{"text":"So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal.","start":1304.055,"end":1315.8899,"sentiment":"positive","sentiment_score":0.4117536878382618},{"text":"And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you.","start":1315.8899,"end":1323.35,"sentiment":"neutral","sentiment_score":-0.02825017850846052},{"text":"You are comfortable with reducing your life cover down to the $300,000 mark.","start":1324.61,"end":1329.045,"sentiment":"neutral","sentiment_score":0.17365971952676773},{"text":"Just making sure that if anything happens, yeah, that pays off the mortgage.","start":1329.285,"end":1333.0651,"sentiment":"neutral","sentiment_score":0.07034065080090211},{"text":"That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do moving forward as well.","start":1333.4451,"end":1344.1051,"sentiment":"neutral","sentiment_score":0.1248851081308646}],"sentiment":"neutral","sentiment_score":0.18210202115822396,"num_words":139,"start":1304.055,"end":1344.1051},{"sentences":[{"text":"So yeah.","start":1345.16,"end":1345.7999,"sentiment":"neutral","sentiment_score":0.16471216082572937},{"text":"Absolutely.","start":1345.7999,"end":1346.2999,"sentiment":"neutral","sentiment_score":0.2997250556945801},{"text":"Yeah.","start":1348.2,"end":1348.6799,"sentiment":"neutral","sentiment_score":0.25607413053512573},{"text":"So that does actually reduce your insurance payments quite drastically.","start":1348.6799,"end":1352.2999,"sentiment":"neutral","sentiment_score":0.2421457588672638},{"text":"We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00.","start":1352.36,"end":1363.6749,"sentiment":"neutral","sentiment_score":0.14823289085989413}],"sentiment":"neutral","sentiment_score":0.18151452936030724,"num_words":37,"start":1345.16,"end":1363.6749},{"sentences":[{"text":"So it is a huge difference.","start":1363.6749,"end":1365.595,"sentiment":"positive","sentiment_score":0.5326960384845734},{"text":"It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily.","start":1365.595,"end":1371.615,"sentiment":"positive","sentiment_score":0.3512818142771721},{"text":"So that's 8,558 that stays in your super working harder for you.","start":1371.755,"end":1377.89,"sentiment":"neutral","sentiment_score":0.2011179973681768},{"text":"Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover.","start":1378.19,"end":1390.645,"sentiment":"neutral","sentiment_score":0.0027835904978788816},{"text":"The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that.","start":1390.945,"end":1397.825,"sentiment":"neutral","sentiment_score":0.050999049299761005}],"sentiment":"neutral","sentiment_score":0.13483880632271877,"num_words":98,"start":1363.6749,"end":1397.825},{"sentences":[{"text":"So you do get a refund if it does go through renewal.","start":1397.825,"end":1400.405,"sentiment":"neutral","sentiment_score":0.046370815175275006},{"text":"Okay.","start":1400.625,"end":1401.125,"sentiment":"neutral","sentiment_score":0.04687899351119995},{"text":"Yeah.","start":1401.42,"end":1401.92,"sentiment":"neutral","sentiment_score":0.06170487403869629},{"text":"Fantastic.","start":1402.9401,"end":1403.4401,"sentiment":"positive","sentiment_score":0.5658504962921143},{"text":"As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here.","start":1404.54,"end":1413.195,"sentiment":"neutral","sentiment_score":0.2749169012531638}],"sentiment":"neutral","sentiment_score":0.21336648906482028,"num_words":47,"start":1397.825,"end":1413.195},{"sentences":[{"text":"And that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you.","start":1413.2749,"end":1423.9149,"sentiment":"neutral","sentiment_score":0.2923187996084626},{"text":"It's really important that any recommendations we make are in your best interest in working for your goals.","start":1423.9149,"end":1428.81,"sentiment":"neutral","sentiment_score":0.32578279078006744},{"text":"Okay?","start":1429.05,"end":1429.55,"sentiment":"neutral","sentiment_score":0.1388995200395584},{"text":"Perfect.","start":1431.3701,"end":1431.8701,"sentiment":"neutral","sentiment_score":0.027216080576181412},{"text":"You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well.","start":1432.25,"end":1439.6101,"sentiment":"neutral","sentiment_score":-0.000312893669335888}],"sentiment":"neutral","sentiment_score":0.2028658576477992,"num_words":83,"start":1413.2749,"end":1439.6101},{"sentences":[{"text":"So I'll let you sort of run your eyes over those a bit later.","start":1439.6101,"end":1442.695,"sentiment":"neutral","sentiment_score":0.09668204560875893},{"text":"They are a bit arduous, so take some time to read them over.","start":1442.695,"end":1445.9149,"sentiment":"neutral","sentiment_score":-0.01067465772995582},{"text":"And feel free to let me know if you do happen to have any questions there.","start":1446.135,"end":1449.6549,"sentiment":"neutral","sentiment_score":0.1744089531712234},{"text":"Okay?","start":1449.6549,"end":1450.1549,"sentiment":"neutral","sentiment_score":0.09224902093410492},{"text":"Excellent.","start":1452.135,"end":1452.635,"sentiment":"positive","sentiment_score":0.7337254285812378}],"sentiment":"neutral","sentiment_score":0.1073621286286248,"num_words":45,"start":1439.6101,"end":1452.635},{"sentences":[{"text":"The next side of things is that transition to retirement side.","start":1454.18,"end":1457.8,"sentiment":"neutral","sentiment_score":0.2693134586919438},{"text":"If you go down to page number 30 for me, I'll take you through this one.","start":1458.1,"end":1462.44,"sentiment":"neutral","sentiment_score":0.14739383989945054},{"text":"Beautiful.","start":1464.5,"end":1465.0,"sentiment":"positive","sentiment_score":0.5943088531494141},{"text":"So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you.","start":1465.78,"end":1476.835,"sentiment":"neutral","sentiment_score":0.3025376809140046},{"text":"You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there.","start":1477.215,"end":1492.58,"sentiment":"neutral","sentiment_score":0.04747917904303624}],"sentiment":"neutral","sentiment_score":0.1661666565542591,"num_words":116,"start":1454.18,"end":1492.58},{"sentences":[{"text":"So, essentially, looking at pre disability income.","start":1493.0399,"end":1495.44,"sentiment":"neutral","sentiment_score":0.10527007867183004},{"text":"So with the payslip, we were able to go back and have a really good look.","start":1495.44,"end":1498.695,"sentiment":"positive","sentiment_score":0.3854545643553138},{"text":"Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there.","start":1499.815,"end":1519.57,"sentiment":"neutral","sentiment_score":0.21074431056671955},{"text":"To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off.","start":1520.9099,"end":1527.1357,"sentiment":"neutral","sentiment_score":-0.011692317790890994},{"text":"So we've looked at a as well.","start":1527.1357,"end":1530.605,"sentiment":"neutral","sentiment_score":-0.030856223244752203}],"sentiment":"neutral","sentiment_score":0.14042473511527415,"num_words":115,"start":1493.0399,"end":1530.605},{"sentences":[{"text":"We've sort of had to minus those off.","start":1530.605,"end":1532.445,"sentiment":"neutral","sentiment_score":-0.07951888581737876},{"text":"So we've looked at, essentially, what your income was.","start":1532.445,"end":1536.105,"sentiment":"neutral","sentiment_score":-0.039183766684598394},{"text":"So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there.","start":1536.205,"end":1546.1,"sentiment":"neutral","sentiment_score":-0.060401949370580334},{"text":"So that's just the current position.","start":1546.1,"end":1547.86,"sentiment":"neutral","sentiment_score":-0.013191837429379424},{"text":"We're sort of not really worried about that at the moment because we're working on the proposed side of things.","start":1547.86,"end":1552.2799,"sentiment":"neutral","sentiment_score":0.0259447880089283}],"sentiment":"neutral","sentiment_score":-0.03272325245386644,"num_words":74,"start":1530.605,"end":1552.2799},{"sentences":[{"text":"But, essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice.","start":1553.0599,"end":1560.4349,"sentiment":"neutral","sentiment_score":0.10280087052120103},{"text":"So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was.","start":1560.4349,"end":1571.06,"sentiment":"neutral","sentiment_score":0.1701147887975939},{"text":"So we were able to look at your base salary is about $75,006.55 pre disability.","start":1571.06,"end":1577.2401,"sentiment":"neutral","sentiment_score":0.19409685631593068},{"text":"You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis.","start":1577.9401,"end":1585.405,"sentiment":"neutral","sentiment_score":0.17217123467061254},{"text":"We're gonna increase those up to $15,007.03 9.","start":1585.945,"end":1589.785,"sentiment":"neutral","sentiment_score":0.18474984169006348}],"sentiment":"neutral","sentiment_score":0.1623611991604169,"num_words":90,"start":1553.0599,"end":1589.785},{"sentences":[{"text":"So it works out from a $100 per week.","start":1589.785,"end":1592.4249,"sentiment":"neutral","sentiment_score":0.2659587777323193},{"text":"We increase your salary sacrifice to $302.67 per week.","start":1592.4249,"end":1597.02,"sentiment":"neutral","sentiment_score":0.3114491336875492},{"text":"And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income.","start":1597.8201,"end":1607.26,"sentiment":"neutral","sentiment_score":0.2070692536731561},{"text":"So we keep minusing those off, and that gives us your net employment income of about $32,008.07 3.","start":1607.26,"end":1614.735,"sentiment":"neutral","sentiment_score":0.21793157110611597},{"text":"To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works out to be about a $143.65 per week.","start":1615.355,"end":1631.75,"sentiment":"neutral","sentiment_score":0.18369871952260533}],"sentiment":"neutral","sentiment_score":0.21183382131551443,"num_words":114,"start":1589.785,"end":1631.75},{"sentences":[{"text":"And that brings you back to the $40,003.43, which is the net take home pay based on all of the above.","start":1631.81,"end":1638.4249,"sentiment":"neutral","sentiment_score":0.25256984148706707},{"text":"Does that make sense?","start":1638.485,"end":1639.625,"sentiment":"neutral","sentiment_score":0.12660665810108185},{"text":"It's a lot of math.","start":1641.365,"end":1642.325,"sentiment":"neutral","sentiment_score":0.0008508197963237763},{"text":"I'm so sorry.","start":1642.325,"end":1643.225,"sentiment":"neutral","sentiment_score":-0.18007073799769083},{"text":"Yep.","start":1649.7,"end":1650.2,"sentiment":"neutral","sentiment_score":0.01873280666768551}],"sentiment":"neutral","sentiment_score":0.15568141162614613,"num_words":34,"start":1631.81,"end":1650.2},{"sentences":[{"text":"Yep.","start":1650.5,"end":1651.0,"sentiment":"neutral","sentiment_score":-0.08690808713436127},{"text":"Yeah.","start":1659.5399,"end":1659.94,"sentiment":"neutral","sentiment_score":-0.11021555215120316},{"text":"Yeah.","start":1659.94,"end":1660.44,"sentiment":"neutral","sentiment_score":-0.07431317120790482},{"text":"Yeah.","start":1663.235,"end":1663.735,"sentiment":"neutral","sentiment_score":-0.0806659534573555},{"text":"Yep.","start":1668.995,"end":1669.395,"sentiment":"positive","sentiment_score":0.4374535977840424}],"sentiment":"neutral","sentiment_score":0.017070166766643535,"num_words":5,"start":1650.5,"end":1669.395},{"sentences":[{"text":"Oh, that's really good.","start":1669.395,"end":1670.855,"sentiment":"positive","sentiment_score":0.6644335240125656},{"text":"Yeah.","start":1671.155,"end":1671.655,"sentiment":"positive","sentiment_score":0.37394827604293823},{"text":"Yeah.","start":1672.595,"end":1673.095,"sentiment":"neutral","sentiment_score":0.1500624418258667},{"text":"No.","start":1673.155,"end":1673.315,"sentiment":"neutral","sentiment_score":0.034615952521562576},{"text":"That's okay.","start":1673.315,"end":1674.215,"sentiment":"neutral","sentiment_score":0.15609928220510483}],"sentiment":"positive","sentiment_score":0.3920621478723155,"num_words":9,"start":1669.395,"end":1674.215},{"sentences":[{"text":"So this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work.","start":1674.62,"end":1681.98,"sentiment":"neutral","sentiment_score":0.08939807132507364},{"text":"We've had to kind of do the math and work out what your pre disability income was based on the payslips provided.","start":1681.98,"end":1687.4401,"sentiment":"neutral","sentiment_score":0.04917114727537741},{"text":"So when you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know.","start":1687.5,"end":1699.645,"sentiment":"neutral","sentiment_score":-0.046000253913613655},{"text":"I can always come back, reevaluate the math a little bit, and we can always refresh it and move it back in and out.","start":1699.645,"end":1706.03,"sentiment":"neutral","sentiment_score":0.021664075863858063},{"text":"So there's no need to worry there.","start":1706.03,"end":1707.9701,"sentiment":"neutral","sentiment_score":0.010606076834457261}],"sentiment":"neutral","sentiment_score":0.012907896980643272,"num_words":125,"start":1674.62,"end":1707.9701},{"sentences":[{"text":"Yeah.","start":1708.1901,"end":1708.6901,"sentiment":"neutral","sentiment_score":0.06422612816095352},{"text":"Nice.","start":1725.98,"end":1726.3799,"sentiment":"positive","sentiment_score":0.4972155690193176},{"text":"Nice.","start":1726.3799,"end":1726.8799,"sentiment":"positive","sentiment_score":0.4649600684642792},{"text":"Yeah.","start":1742.215,"end":1742.715,"sentiment":"neutral","sentiment_score":0.09348378330469131},{"text":"Yeah.","start":1743.575,"end":1744.075,"sentiment":"neutral","sentiment_score":0.11371535807847977}],"sentiment":"neutral","sentiment_score":0.24672018140554428,"num_words":5,"start":1708.1901,"end":1744.075},{"sentences":[{"text":"Yeah.","start":1745.095,"end":1745.175,"sentiment":"neutral","sentiment_score":0.17135319113731384},{"text":"Yeah.","start":1745.175,"end":1745.255,"sentiment":"neutral","sentiment_score":0.29473963379859924},{"text":"Perfect.","start":1745.255,"end":1745.735,"sentiment":"positive","sentiment_score":0.5103011131286621},{"text":"Well, if it does, let me know.","start":1745.735,"end":1747.095,"sentiment":"neutral","sentiment_score":0.1913491232054574},{"text":"Because as I said, we can refresh these.","start":1747.095,"end":1749.095,"sentiment":"neutral","sentiment_score":0.13966344483196735}],"sentiment":"neutral","sentiment_score":0.19073029773102868,"num_words":18,"start":1745.095,"end":1749.095},{"sentences":[{"text":"We can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do.","start":1749.095,"end":1758.7999,"sentiment":"neutral","sentiment_score":0.27498769015073776},{"text":"So if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with the deductions going in there.","start":1758.7999,"end":1769.6849,"sentiment":"neutral","sentiment_score":-0.23530161148971981},{"text":"And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there.","start":1769.6849,"end":1777.48,"sentiment":"neutral","sentiment_score":0.3202199228107929},{"text":"So we've added those back in, but then also kept the post tax deductibles and the pretax deductibles coming out and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there.","start":1777.48,"end":1792.0549,"sentiment":"neutral","sentiment_score":0.07030291188248368},{"text":"So it was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are.","start":1792.0549,"end":1798.875,"sentiment":"neutral","sentiment_score":0.20246182861072676}],"sentiment":"neutral","sentiment_score":0.0880756068442549,"num_words":175,"start":1749.095,"end":1798.875},{"sentences":[{"text":"But we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to.","start":1799.175,"end":1807.56,"sentiment":"neutral","sentiment_score":0.10079835343640298},{"text":"Yeah.","start":1808.98,"end":1809.3,"sentiment":"neutral","sentiment_score":0.10321035981178284},{"text":"Yeah.","start":1809.3,"end":1809.54,"sentiment":"neutral","sentiment_score":0.128773033618927},{"text":"We can roll back in and out of TTR pension phase and accumulation as often as we need to.","start":1809.54,"end":1814.68,"sentiment":"neutral","sentiment_score":0.08476931572352585},{"text":"The only main no.","start":1814.9,"end":1819.475,"sentiment":"neutral","sentiment_score":-0.09990986250340939}],"sentiment":"neutral","sentiment_score":0.08190365354612208,"num_words":57,"start":1799.175,"end":1819.475},{"sentences":[{"text":"Yeah.","start":1820.015,"end":1820.335,"sentiment":"neutral","sentiment_score":-0.02308473363518715},{"text":"No.","start":1820.335,"end":1820.575,"sentiment":"neutral","sentiment_score":-0.040873948484659195},{"text":"We can refresh this as often as we like.","start":1820.575,"end":1822.6549,"sentiment":"neutral","sentiment_score":0.05685356093777551},{"text":"We try to do it once a year.","start":1822.6549,"end":1824.255,"sentiment":"neutral","sentiment_score":0.0981918191537261},{"text":"So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase because to start with, we're gonna do the investment switch anyway.","start":1824.255,"end":1848.335,"sentiment":"neutral","sentiment_score":0.11564311450895141}],"sentiment":"neutral","sentiment_score":0.10637425627702704,"num_words":104,"start":1820.015,"end":1848.335},{"sentences":[{"text":"So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you.","start":1849.4349,"end":1858.05,"sentiment":"neutral","sentiment_score":0.18222644286496298},{"text":"That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in.","start":1858.53,"end":1863.89,"sentiment":"neutral","sentiment_score":0.18007638726545416},{"text":"Because then when we roll in, we try to give it a good year to make sure it's all kind of working to see the benefits.","start":1863.89,"end":1869.51,"sentiment":"neutral","sentiment_score":0.2113444462705117},{"text":"Yeah.","start":1870.365,"end":1870.685,"sentiment":"neutral","sentiment_score":0.05689913034439087},{"text":"And then kinda roll you back.","start":1870.685,"end":1872.625,"sentiment":"neutral","sentiment_score":0.018582362060745556}],"sentiment":"neutral","sentiment_score":0.1778355089353991,"num_words":91,"start":1849.4349,"end":1872.625},{"sentences":[{"text":"The we can roll you back and forth as much as you want.","start":1872.925,"end":1875.805,"sentiment":"neutral","sentiment_score":0.16287603372564682},{"text":"There's no issues there.","start":1875.805,"end":1876.765,"sentiment":"neutral","sentiment_score":0.22307902574539185},{"text":"It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown.","start":1876.765,"end":1883.745,"sentiment":"neutral","sentiment_score":0.11474313326179982},{"text":"So works for you whenever we roll you back out of that pension phase.","start":1883.965,"end":1889.06,"sentiment":"neutral","sentiment_score":0.14073336337293899},{"text":"So I try to sort of make sure the numbers are on point before we kind of go forward into it.","start":1889.06,"end":1894.5,"sentiment":"neutral","sentiment_score":0.1651720968740327}],"sentiment":"neutral","sentiment_score":0.14921456011426118,"num_words":72,"start":1872.925,"end":1894.5},{"sentences":[{"text":"We can make some alterations once we're there, but it just makes it easier on you if we do that beforehand.","start":1894.5,"end":1900.625,"sentiment":"neutral","sentiment_score":0.14542428297655924},{"text":"So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes.","start":1901.005,"end":1912.065,"sentiment":"neutral","sentiment_score":0.10463911278740219},{"text":"I'll just run the numbers over again to double check that.","start":1912.67,"end":1915.3099,"sentiment":"neutral","sentiment_score":0.0672584507953037},{"text":"And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through to you.","start":1915.3099,"end":1923.63,"sentiment":"neutral","sentiment_score":0.055165838450193405},{"text":"Does that sound okay?","start":1923.63,"end":1924.77,"sentiment":"neutral","sentiment_score":0.039141501765698195}],"sentiment":"neutral","sentiment_score":0.09203644143822401,"num_words":115,"start":1894.5,"end":1924.77},{"sentences":[{"text":"Yep.","start":1924.83,"end":1925.33,"sentiment":"neutral","sentiment_score":0.04953829199075699},{"text":"Yep.","start":1926.495,"end":1926.975,"sentiment":"neutral","sentiment_score":0.18812237679958344},{"text":"Beautiful.","start":1926.975,"end":1927.475,"sentiment":"positive","sentiment_score":0.496721476316452},{"text":"Beautiful.","start":1927.775,"end":1928.275,"sentiment":"positive","sentiment_score":0.543910026550293},{"text":"But I've really enjoyed putting this together.","start":1928.3351,"end":1930.015,"sentiment":"positive","sentiment_score":0.6607649581772941}],"sentiment":"positive","sentiment_score":0.5366951708089222,"num_words":11,"start":1924.83,"end":1930.015},{"sentences":[{"text":"It's been a lot of fun.","start":1930.015,"end":1930.895,"sentiment":"positive","sentiment_score":0.7133479019006094},{"text":"Your payslip has been one of the most interesting.","start":1930.895,"end":1933.795,"sentiment":"positive","sentiment_score":0.5287198192543454},{"text":"I've really enjoyed looking at it and just because it's been going out gradually over the past few months.","start":1933.855,"end":1938.3351,"sentiment":"positive","sentiment_score":0.5032714275937331},{"text":"But it's kinda cool to see you getting back on top and getting back to work over that time too.","start":1938.3351,"end":1943.55,"sentiment":"positive","sentiment_score":0.6122303873300552},{"text":"It's really fun.","start":1943.55,"end":1944.61,"sentiment":"positive","sentiment_score":0.5737272898356119}],"sentiment":"positive","sentiment_score":0.5713423250014322,"num_words":57,"start":1930.015,"end":1944.61},{"sentences":[{"text":"It has.","start":1951.3251,"end":1952.0651,"sentiment":"neutral","sentiment_score":-0.041905222460627556},{"text":"Yeah.","start":1952.125,"end":1952.625,"sentiment":"neutral","sentiment_score":-0.06822335720062256},{"text":"No.","start":1955.805,"end":1956.305,"sentiment":"neutral","sentiment_score":-0.07492765039205551},{"text":"Yeah.","start":1958.685,"end":1959.185,"sentiment":"neutral","sentiment_score":0.048704445362091064},{"text":"Yeah.","start":1966.86,"end":1967.36,"sentiment":"neutral","sentiment_score":0.18719545006752017}],"sentiment":"neutral","sentiment_score":0.001489740485946342,"num_words":6,"start":1951.3251,"end":1967.36},{"sentences":[{"text":"Yeah.","start":1985.035,"end":1985.3551,"sentiment":"neutral","sentiment_score":0.08863221108913422},{"text":"Yeah.","start":1985.3551,"end":1985.8551,"sentiment":"neutral","sentiment_score":0.1256999373435974},{"text":"Yeah.","start":2000.0249,"end":2000.5249,"sentiment":"neutral","sentiment_score":0.14805391430854797},{"text":"No.","start":2001.705,"end":2002.0249,"sentiment":"neutral","sentiment_score":-0.010591313242912292},{"text":"It's good.","start":2002.0249,"end":2002.605,"sentiment":"neutral","sentiment_score":0.11671601235866547}],"sentiment":"neutral","sentiment_score":0.09753779570261638,"num_words":6,"start":1985.035,"end":2002.605},{"sentences":[{"text":"Absolutely.","start":2004.2649,"end":2004.7649,"sentiment":"neutral","sentiment_score":0.2913769781589508},{"text":"Absolutely.","start":2005.385,"end":2005.885,"sentiment":"neutral","sentiment_score":0.3041535019874573},{"text":"But now it's good that you've at least had that downtime to let your body recuperate back to where it is now.","start":2006.105,"end":2010.985,"sentiment":"positive","sentiment_score":0.46721101619980554},{"text":"So, hopefully, going back to work is the right thing.","start":2010.985,"end":2013.885,"sentiment":"neutral","sentiment_score":0.11706597730517387},{"text":"Yeah.","start":2014.0249,"end":2014.5249,"sentiment":"neutral","sentiment_score":0.11770646274089812}],"sentiment":"positive","sentiment_score":0.3475011163524219,"num_words":35,"start":2004.2649,"end":2014.5249},{"sentences":[{"text":"Yeah.","start":2016.0,"end":2016.5,"sentiment":"neutral","sentiment_score":0.10872090607881546},{"text":"You're ready?","start":2018.8,"end":2019.54,"sentiment":"neutral","sentiment_score":0.09731463342905045},{"text":"No.","start":2021.3601,"end":2021.76,"sentiment":"neutral","sentiment_score":0.07487260550260544},{"text":"That's really good.","start":2021.76,"end":2022.8,"sentiment":"positive","sentiment_score":0.40607963999112445},{"text":"Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well.","start":2022.8,"end":2029.4401,"sentiment":"positive","sentiment_score":0.5959101584222581}],"sentiment":"positive","sentiment_score":0.5201775287004078,"num_words":34,"start":2016.0,"end":2029.4401},{"sentences":[{"text":"Makes a a bit of a difference to the budget, especially with the cost of living at the moment.","start":2029.4401,"end":2033.535,"sentiment":"neutral","sentiment_score":-0.07723928968373098},{"text":"It's pretty horrendous out there.","start":2033.535,"end":2034.895,"sentiment":"negative","sentiment_score":-0.5830627799034118},{"text":"So Yeah.","start":2034.895,"end":2038.275,"sentiment":"neutral","sentiment_score":-0.1220335103571415},{"text":"No.","start":2039.295,"end":2039.795,"sentiment":"neutral","sentiment_score":-0.07458806037902832},{"text":"Yep.","start":2044.11,"end":2044.61,"sentiment":"neutral","sentiment_score":-0.01117897778749466}],"sentiment":"neutral","sentiment_score":-0.16831051651388407,"num_words":28,"start":2029.4401,"end":2044.61},{"sentences":[{"text":"Absolutely.","start":2046.83,"end":2047.33,"sentiment":"neutral","sentiment_score":0.036190055310726166},{"text":"Yeah.","start":2056.205,"end":2056.705,"sentiment":"neutral","sentiment_score":0.04675017297267914},{"text":"Absolutely.","start":2056.7651,"end":2057.2651,"sentiment":"positive","sentiment_score":0.36175304651260376},{"text":"Most definitely.","start":2057.725,"end":2058.705,"sentiment":"positive","sentiment_score":0.3658021241426468},{"text":"Yep.","start":2059.0051,"end":2059.405,"sentiment":"neutral","sentiment_score":0.2301412522792816}],"sentiment":"neutral","sentiment_score":0.23440646256009737,"num_words":6,"start":2046.83,"end":2059.405},{"sentences":[{"text":"No.","start":2059.405,"end":2059.725,"sentiment":"neutral","sentiment_score":0.16324782371520996},{"text":"Absolutely.","start":2059.725,"end":2060.225,"sentiment":"positive","sentiment_score":0.38793250918388367},{"text":"All good.","start":2060.5251,"end":2061.345,"sentiment":"positive","sentiment_score":0.5863682329654694},{"text":"If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury.","start":2061.885,"end":2076.12,"sentiment":"neutral","sentiment_score":0.061489905789494516},{"text":"But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there.","start":2077.22,"end":2086.835,"sentiment":"neutral","sentiment_score":0.07228709692540376}],"sentiment":"neutral","sentiment_score":0.08390928983881876,"num_words":77,"start":2059.405,"end":2086.835},{"sentences":[{"text":"We're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817.","start":2086.9749,"end":2101.49,"sentiment":"neutral","sentiment_score":0.16144486949328454},{"text":"So it's a good increase on your contributions there.","start":2101.55,"end":2104.19,"sentiment":"positive","sentiment_score":0.6710007985432943},{"text":"There's more money going into super.","start":2104.19,"end":2106.37,"sentiment":"neutral","sentiment_score":0.3269348194201787},{"text":"It does increase the income the tax side of things on the contributions.","start":2107.035,"end":2111.295,"sentiment":"neutral","sentiment_score":0.1463415278838231},{"text":"So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go up to 3,072, but you can sort of see the difference there.","start":2111.595,"end":2126.3699,"sentiment":"neutral","sentiment_score":0.07826552726328373}],"sentiment":"neutral","sentiment_score":0.18658322001758373,"num_words":95,"start":2086.9749,"end":2126.3699},{"sentences":[{"text":"The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name.","start":2126.3699,"end":2134.0498,"sentiment":"neutral","sentiment_score":-0.06901896791532636},{"text":"So, yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140.","start":2134.0498,"end":2152.59,"sentiment":"neutral","sentiment_score":0.06618540180293289},{"text":"It reduces down after we increase salary sacrifice to 8,124.","start":2152.77,"end":2159.13,"sentiment":"neutral","sentiment_score":0.13560172393918038},{"text":"So you're saving easy just under, you know, $3 in tax there, and you're only increasing it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super.","start":2159.13,"end":2170.625,"sentiment":"neutral","sentiment_score":0.15439460385823622},{"text":"So it does make quite a bit of a difference on the tax side of things, which is good.","start":2170.625,"end":2174.885,"sentiment":"neutral","sentiment_score":0.3301028326938027}],"sentiment":"neutral","sentiment_score":0.1095164182031008,"num_words":122,"start":2126.3699,"end":2174.885},{"sentences":[{"text":"And having more money inside Super, where it is concessionally tax, means that there's more money invested.","start":2175.345,"end":2181.49,"sentiment":"neutral","sentiment_score":0.26947989807847667},{"text":"So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in.","start":2181.49,"end":2190.13,"sentiment":"neutral","sentiment_score":0.08121276579119942},{"text":"So because it's tax free when it comes out, we can take less out than we need to put in.","start":2190.13,"end":2195.355,"sentiment":"positive","sentiment_score":0.372737717628479},{"text":"So you're putting more money in.","start":2195.355,"end":2196.635,"sentiment":"positive","sentiment_score":0.5706392725308737},{"text":"It's taxed more concessionally, but then you're also saving on your insurance premiums and the fees for the investments, which as well.","start":2196.635,"end":2204.335,"sentiment":"positive","sentiment_score":0.5894986242055893}],"sentiment":"neutral","sentiment_score":0.31743611488491297,"num_words":98,"start":2175.345,"end":2204.335},{"sentences":[{"text":"So all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time.","start":2204.475,"end":2212.8098,"sentiment":"positive","sentiment_score":0.6801939570542538},{"text":"Does that make sense?","start":2212.8098,"end":2213.95,"sentiment":"neutral","sentiment_score":0.16283012554049492},{"text":"Yeah.","start":2214.3298,"end":2214.8298,"sentiment":"neutral","sentiment_score":0.03241824731230736},{"text":"Beautiful.","start":2216.89,"end":2217.39,"sentiment":"positive","sentiment_score":0.5882493257522583},{"text":"We have outlined that the, again, the advantages, the disadvantages, the risks involved.","start":2218.3298,"end":2222.865,"sentiment":"neutral","sentiment_score":0.043530324330696694}],"sentiment":"positive","sentiment_score":0.4670054398906919,"num_words":52,"start":2204.475,"end":2222.865},{"sentences":[{"text":"Obviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy.","start":2223.325,"end":2229.9648,"sentiment":"neutral","sentiment_score":-0.2633066972096761},{"text":"So it does mean we do need to review the strategy when your income does happen to change to make sure it is working and in line.","start":2229.9648,"end":2236.785,"sentiment":"neutral","sentiment_score":0.049295100624914524},{"text":"If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter.","start":2237.31,"end":2242.51,"sentiment":"neutral","sentiment_score":-0.2710546872445515},{"text":"But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment.","start":2242.51,"end":2252.1902,"sentiment":"neutral","sentiment_score":-0.3235921550814698},{"text":"So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy.","start":2252.1902,"end":2264.905,"sentiment":"neutral","sentiment_score":0.026464308188720184}],"sentiment":"neutral","sentiment_score":-0.14511713532695344,"num_words":157,"start":2223.325,"end":2264.905},{"sentences":[{"text":"The benefits are, again, that you save a bit of tax.","start":2266.65,"end":2269.29,"sentiment":"positive","sentiment_score":0.5151143886826255},{"text":"The tax inside of Super is 15% compared to your marginal tax rate.","start":2269.29,"end":2273.47,"sentiment":"positive","sentiment_score":0.37379258985702807},{"text":"That's basically half your marginal tax rate, which is insane.","start":2273.93,"end":2277.55,"sentiment":"positive","sentiment_score":0.40558311343193054},{"text":"So you do end up with more money invested and compounding forward towards your future goals.","start":2278.365,"end":2283.425,"sentiment":"positive","sentiment_score":0.6024440173059702},{"text":"And these strategies can be altered and changed as we need to as well.","start":2283.885,"end":2287.565,"sentiment":"positive","sentiment_score":0.3613591690414718}],"sentiment":"positive","sentiment_score":0.45749258939758874,"num_words":64,"start":2266.65,"end":2287.565},{"sentences":[{"text":"So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you.","start":2287.565,"end":2301.21,"sentiment":"neutral","sentiment_score":0.06049829210306323},{"text":"Okay?","start":2301.21,"end":2301.71,"sentiment":"neutral","sentiment_score":0.04580634832382202},{"text":"Beautiful.","start":2303.85,"end":2304.35,"sentiment":"positive","sentiment_score":0.6763055920600891},{"text":"Beautiful.","start":2304.81,"end":2305.31,"sentiment":"positive","sentiment_score":0.5802551507949829},{"text":"Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there.","start":2306.33,"end":2316.7249,"sentiment":"neutral","sentiment_score":0.07162469700985663}],"sentiment":"neutral","sentiment_score":0.07896274025271456,"num_words":83,"start":2287.565,"end":2316.7249},{"sentences":[{"text":"The first one is the TTR pension account.","start":2317.265,"end":2319.825,"sentiment":"neutral","sentiment_score":0.041188426315784454},{"text":"The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there.","start":2319.825,"end":2327.44,"sentiment":"neutral","sentiment_score":0.060697148218750954},{"text":"You do pay the ongoing service fee of 1.6 oh, sorry.","start":2327.98,"end":2331.34,"sentiment":"neutral","sentiment_score":0.02730100043118},{"text":"1.1%.","start":2331.34,"end":2332.96,"sentiment":"neutral","sentiment_score":0.028348319232463837},{"text":"That will remain.","start":2333.58,"end":2334.6401,"sentiment":"neutral","sentiment_score":0.02705351697901885}],"sentiment":"neutral","sentiment_score":0.04701574981057396,"num_words":48,"start":2317.265,"end":2334.6401},{"sentences":[{"text":"It's that's the joint because you and Carrie are both clients.","start":2334.7,"end":2337.665,"sentiment":"neutral","sentiment_score":0.05006651072339578},{"text":"So 1.1% per annum, and that is deducted in smaller monthly increments there.","start":2337.665,"end":2342.625,"sentiment":"neutral","sentiment_score":0.04171701019199995},{"text":"So that is essentially prorated across the both accounts, the super and the TCR pension account.","start":2342.625,"end":2347.605,"sentiment":"neutral","sentiment_score":0.04683959227986634},{"text":"And that's sort of showing on page number 40.","start":2348.145,"end":2351.55,"sentiment":"neutral","sentiment_score":0.04556757708390554},{"text":"We've got another sort of fee comparison table there, and that shows the adviser fee spread across the two accounts there for you.","start":2351.55,"end":2359.01,"sentiment":"neutral","sentiment_score":0.05230737437048684}],"sentiment":"neutral","sentiment_score":0.04799533376677169,"num_words":72,"start":2334.7,"end":2359.01},{"sentences":[{"text":"We're opening up a secondary account.","start":2359.87,"end":2361.9502,"sentiment":"neutral","sentiment_score":0.06970828585326672},{"text":"So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account.","start":2361.9502,"end":2368.085,"sentiment":"neutral","sentiment_score":0.05615418590605259},{"text":"So you will pay a bit more in admin fees across the two investment fees across the two.","start":2368.085,"end":2373.125,"sentiment":"neutral","sentiment_score":0.03048528213467863},{"text":"But overall, the admin fees oh, sorry.","start":2373.125,"end":2375.685,"sentiment":"neutral","sentiment_score":0.04470517752426011},{"text":"The investment fees are still gonna be saved because the portfolio that we're investing in is overall cheaper.","start":2375.685,"end":2382.06,"sentiment":"neutral","sentiment_score":0.09679495708809958}],"sentiment":"neutral","sentiment_score":0.060077014230731605,"num_words":69,"start":2359.87,"end":2382.06},{"sentences":[{"text":"Okay?","start":2382.62,"end":2383.12,"sentiment":"neutral","sentiment_score":0.05844661593437195},{"text":"Beautiful.","start":2384.54,"end":2385.04,"sentiment":"neutral","sentiment_score":0.28563112020492554},{"text":"And then, yeah, the portfolio, we do sort of hope works a little bit harder for you.","start":2385.98,"end":2389.9001,"sentiment":"neutral","sentiment_score":0.0057076636482687555},{"text":"We can do catch ups as we're going through to see how things are working.","start":2389.9001,"end":2393.28,"sentiment":"neutral","sentiment_score":0.06422512779633203},{"text":"Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a full annual review in twelve months?","start":2393.82,"end":2401.635,"sentiment":"neutral","sentiment_score":0.027574384398758412}],"sentiment":"neutral","sentiment_score":0.03434186071103466,"num_words":69,"start":2382.62,"end":2401.635},{"sentences":[{"text":"Would that be okay?","start":2401.635,"end":2402.835,"sentiment":"neutral","sentiment_score":-0.007270058849826455},{"text":"Yep.","start":2402.835,"end":2403.335,"sentiment":"neutral","sentiment_score":0.049682460725307465},{"text":"Yep.","start":2403.9548,"end":2404.4548,"sentiment":"neutral","sentiment_score":0.02786862291395664},{"text":"Beautiful.","start":2404.515,"end":2405.015,"sentiment":"positive","sentiment_score":0.6657922863960266},{"text":"And I'll make a note here that the first thing we'll look at doing take some time to read it through.","start":2405.795,"end":2410.355,"sentiment":"neutral","sentiment_score":0.17174225690818967}],"sentiment":"neutral","sentiment_score":0.15431609034671315,"num_words":28,"start":2401.635,"end":2410.355},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":2410.355,"end":2412.775,"sentiment":"neutral","sentiment_score":0.08999341788391273},{"text":"We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and then we go into the pension account.","start":2413.26,"end":2421.98,"sentiment":"neutral","sentiment_score":0.0465925543779327},{"text":"So once you get your first payslip after going back, if you can just shoot that through to me, I can just run the numbers again.","start":2421.98,"end":2428.195,"sentiment":"neutral","sentiment_score":0.054215965792536736},{"text":"And if there's something I need to alter or change, I can just update that advice prior to us moving into the pension phase for you.","start":2428.195,"end":2435.2349,"sentiment":"neutral","sentiment_score":0.057891158100504145},{"text":"Is that okay?","start":2435.2349,"end":2436.135,"sentiment":"neutral","sentiment_score":0.061684673031171165}],"sentiment":"neutral","sentiment_score":0.05738907592485146,"num_words":98,"start":2410.355,"end":2436.135},{"sentences":[{"text":"Yeah.","start":2436.835,"end":2437.335,"sentiment":"neutral","sentiment_score":0.0718269795179367},{"text":"Beautiful.","start":2438.675,"end":2439.175,"sentiment":"positive","sentiment_score":0.6261537075042725},{"text":"That's okay.","start":2439.315,"end":2440.215,"sentiment":"positive","sentiment_score":0.3427743762731552},{"text":"I know it is a lot.","start":2440.595,"end":2441.635,"sentiment":"neutral","sentiment_score":0.10291505356629689},{"text":"Do you have any questions for me at the moment?","start":2441.635,"end":2444.21,"sentiment":"neutral","sentiment_score":0.03055690452456474}],"sentiment":"neutral","sentiment_score":0.11532944031059741,"num_words":20,"start":2436.835,"end":2444.21},{"sentences":[{"text":"Or Yeah.","start":2444.27,"end":2456.785,"sentiment":"neutral","sentiment_score":-0.00047526508569717407},{"text":"Yeah.","start":2463.9648,"end":2464.4648,"sentiment":"neutral","sentiment_score":-0.023940350860357285},{"text":"Yeah.","start":2472.46,"end":2472.96,"sentiment":"neutral","sentiment_score":0.06172612309455872},{"text":"Perfect.","start":2473.26,"end":2473.76,"sentiment":"neutral","sentiment_score":0.32581794261932373},{"text":"Yep.","start":2475.98,"end":2476.48,"sentiment":"neutral","sentiment_score":0.04253314435482025}],"sentiment":"neutral","sentiment_score":0.06753105483949184,"num_words":6,"start":2444.27,"end":2476.48},{"sentences":[{"text":"Yeah.","start":2479.835,"end":2480.335,"sentiment":"neutral","sentiment_score":0.030501589179039},{"text":"Yeah.","start":2484.075,"end":2484.2349,"sentiment":"neutral","sentiment_score":-0.0012942804023623466},{"text":"Yeah.","start":2484.2349,"end":2484.7349,"sentiment":"neutral","sentiment_score":-0.0017900224775075912},{"text":"Yeah.","start":2491.85,"end":2492.35,"sentiment":"neutral","sentiment_score":0.016921352595090866},{"text":"Yeah.","start":2493.2102,"end":2493.7102,"sentiment":"neutral","sentiment_score":0.020553790032863617}],"sentiment":"neutral","sentiment_score":0.01297848578542471,"num_words":5,"start":2479.835,"end":2493.7102},{"sentences":[{"text":"No.","start":2494.33,"end":2494.57,"sentiment":"neutral","sentiment_score":0.018880745396018028},{"text":"That's perfect.","start":2494.57,"end":2495.47,"sentiment":"neutral","sentiment_score":0.2940879166126251},{"text":"Yeah.","start":2497.37,"end":2497.85,"sentiment":"neutral","sentiment_score":0.008883703500032425},{"text":"No.","start":2497.85,"end":2498.09,"sentiment":"neutral","sentiment_score":-0.016352608799934387},{"text":"That's absolutely perfect.","start":2498.09,"end":2499.47,"sentiment":"positive","sentiment_score":0.8809508482615153}],"sentiment":"positive","sentiment_score":0.405305027263239,"num_words":8,"start":2494.33,"end":2499.47},{"sentences":[{"text":"That's fantastic.","start":2499.53,"end":2500.35,"sentiment":"positive","sentiment_score":0.8899462223052979},{"text":"Well, I'm glad that I was able to put this together for you.","start":2501.4502,"end":2504.125,"sentiment":"positive","sentiment_score":0.72559143946721},{"text":"Again, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers.","start":2504.125,"end":2512.6848,"sentiment":"neutral","sentiment_score":0.23069849100552106},{"text":"And if there's any alterations we need to make, I'll do that process rolling in the pension phase.","start":2512.6848,"end":2517.56,"sentiment":"neutral","sentiment_score":0.19869060690204302},{"text":"It's very easy to update the advice document.","start":2517.56,"end":2519.74,"sentiment":"positive","sentiment_score":0.42085206136107445}],"sentiment":"positive","sentiment_score":0.34078950925341134,"num_words":79,"start":2499.53,"end":2519.74},{"sentences":[{"text":"And when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there.","start":2520.6,"end":2527.0,"sentiment":"neutral","sentiment_score":0.08339578480176303},{"text":"So you're comfortable still with your legal personal representative.","start":2527.0,"end":2530.4849,"sentiment":"neutral","sentiment_score":0.0696827264295684},{"text":"I know everything goes through your will for the both of you.","start":2530.4849,"end":2533.125,"sentiment":"neutral","sentiment_score":0.11980486785372098},{"text":"So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well.","start":2533.125,"end":2540.9648,"sentiment":"neutral","sentiment_score":0.07490056770898047},{"text":"Okay?","start":2540.9648,"end":2541.4648,"sentiment":"neutral","sentiment_score":0.05230347812175751}],"sentiment":"neutral","sentiment_score":0.08497153640244946,"num_words":66,"start":2520.6,"end":2541.4648},{"sentences":[{"text":"Yeah.","start":2542.75,"end":2543.25,"sentiment":"neutral","sentiment_score":0.0800960510969162},{"text":"Beautiful.","start":2543.7102,"end":2544.2102,"sentiment":"positive","sentiment_score":0.5773277282714844},{"text":"Beautiful.","start":2544.4302,"end":2544.9302,"sentiment":"positive","sentiment_score":0.6775007843971252},{"text":"Easy.","start":2545.2302,"end":2545.7302,"sentiment":"positive","sentiment_score":0.5018969774246216},{"text":"That's basically everything I did have to run through, so feel free to have a read through the document.","start":2546.4302,"end":2550.51,"sentiment":"neutral","sentiment_score":0.19822823766030764}],"sentiment":"neutral","sentiment_score":0.24361556768417358,"num_words":23,"start":2542.75,"end":2550.51},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":2550.51,"end":2552.59,"sentiment":"neutral","sentiment_score":0.1656512369712194},{"text":"And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for you before you roll in the pension phase.","start":2552.59,"end":2561.345,"sentiment":"neutral","sentiment_score":0.06196206493367409},{"text":"Okay?","start":2561.405,"end":2561.905,"sentiment":"neutral","sentiment_score":0.022882062941789627},{"text":"Yeah.","start":2562.285,"end":2562.785,"sentiment":"neutral","sentiment_score":0.01847981847822666},{"text":"Yep.","start":2564.605,"end":2565.105,"sentiment":"neutral","sentiment_score":0.04267268627882004}],"sentiment":"neutral","sentiment_score":0.08792612032795494,"num_words":44,"start":2550.51,"end":2565.105},{"sentences":[{"text":"Yeah.","start":2565.9648,"end":2566.285,"sentiment":"neutral","sentiment_score":0.11274709552526474},{"text":"That's absolutely fine.","start":2566.285,"end":2567.325,"sentiment":"neutral","sentiment_score":0.18807574113210043},{"text":"Take some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board.","start":2567.325,"end":2576.34,"sentiment":"neutral","sentiment_score":0.16204422592155396},{"text":"And then if you are, I would just get you to sign and return that all back for me.","start":2576.34,"end":2579.62,"sentiment":"neutral","sentiment_score":0.072103863680049},{"text":"Okay?","start":2579.62,"end":2580.12,"sentiment":"neutral","sentiment_score":0.023996274918317795}],"sentiment":"neutral","sentiment_score":0.12898754558779976,"num_words":55,"start":2565.9648,"end":2580.12},{"sentences":[{"text":"If you're comfortable and you just wanna proceed, you can sign and return it back to me.","start":2584.435,"end":2588.275,"sentiment":"neutral","sentiment_score":0.04730258115074214},{"text":"But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing, and give you a chance to yeah.","start":2588.275,"end":2596.535,"sentiment":"neutral","sentiment_score":0.13153645850937157},{"text":"Yep.","start":2604.5999,"end":2605.0999,"sentiment":"neutral","sentiment_score":0.006993414368480444},{"text":"Yeah.","start":2606.44,"end":2606.92,"sentiment":"neutral","sentiment_score":0.00872441753745079},{"text":"If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one.","start":2606.92,"end":2612.885,"sentiment":"neutral","sentiment_score":0.03464095414217029}],"sentiment":"neutral","sentiment_score":0.07730923477491294,"num_words":81,"start":2584.435,"end":2612.885},{"sentences":[{"text":"But I'll get you to sign this one first if you're comfortable taking it on board.","start":2612.945,"end":2616.405,"sentiment":"neutral","sentiment_score":0.08489297889173031},{"text":"Yep.","start":2618.145,"end":2618.645,"sentiment":"neutral","sentiment_score":0.06407573819160461},{"text":"Yep.","start":2619.2651,"end":2619.7651,"sentiment":"neutral","sentiment_score":0.010822048410773276},{"text":"Yeah.","start":2621.185,"end":2621.5051,"sentiment":"neutral","sentiment_score":0.09214797616004944},{"text":"Absolutely.","start":2621.5051,"end":2622.0051,"sentiment":"neutral","sentiment_score":0.16187691688537598}],"sentiment":"neutral","sentiment_score":0.08436051709577441,"num_words":20,"start":2612.945,"end":2622.0051},{"sentences":[{"text":"That's if we need to do another one.","start":2622.065,"end":2623.5051,"sentiment":"neutral","sentiment_score":0.022225218126550317},{"text":"If if everything still stacks up with your new payslip, then we won't need to make any changes.","start":2623.5051,"end":2629.4702,"sentiment":"neutral","sentiment_score":0.0760180897389849},{"text":"We'll just proceed the way it is.","start":2629.9302,"end":2631.79,"sentiment":"neutral","sentiment_score":0.02493225610149758},{"text":"Yeah.","start":2633.4502,"end":2633.9502,"sentiment":"neutral","sentiment_score":0.029103120788931847},{"text":"Yeah.","start":2634.01,"end":2634.33,"sentiment":"neutral","sentiment_score":0.04088607430458069}],"sentiment":"neutral","sentiment_score":0.05116120994623218,"num_words":35,"start":2622.065,"end":2634.33},{"sentences":[{"text":"Absolutely.","start":2634.33,"end":2634.83,"sentiment":"neutral","sentiment_score":0.15166038274765015},{"text":"Yeah.","start":2635.29,"end":2635.79,"sentiment":"neutral","sentiment_score":0.1847347766160965},{"text":"All good.","start":2636.01,"end":2636.75,"sentiment":"neutral","sentiment_score":0.28088240325450897},{"text":"So when are you you're back full time as of next week.","start":2637.1301,"end":2639.77,"sentiment":"neutral","sentiment_score":0.059760527995725475},{"text":"Is that right?","start":2639.77,"end":2640.59,"sentiment":"neutral","sentiment_score":0.05575069785118103}],"sentiment":"neutral","sentiment_score":0.09381781028289544,"num_words":19,"start":2634.33,"end":2640.59},{"sentences":[{"text":"Oh, as of today?","start":2642.525,"end":2643.565,"sentiment":"neutral","sentiment_score":0.016406916198320687},{"text":"Fantastic.","start":2643.565,"end":2644.065,"sentiment":"neutral","sentiment_score":0.269494891166687},{"text":"Fantastic.","start":2645.8848,"end":2646.3848,"sentiment":"neutral","sentiment_score":0.2754344940185547},{"text":"Yep.","start":2664.54,"end":2665.035,"sentiment":"neutral","sentiment_score":0.1769556850194931},{"text":"Okay.","start":2667.515,"end":2667.9949,"sentiment":"neutral","sentiment_score":0.19375395774841309}],"sentiment":"neutral","sentiment_score":0.12265833659330383,"num_words":8,"start":2642.525,"end":2667.9949},{"sentences":[{"text":"Perfect.","start":2667.9949,"end":2668.4949,"sentiment":"positive","sentiment_score":0.3660346269607544},{"text":"Yep.","start":2677.035,"end":2677.535,"sentiment":"neutral","sentiment_score":0.022930940613150597},{"text":"Okay.","start":2686.2898,"end":2686.7898,"sentiment":"neutral","sentiment_score":-0.0597510002553463},{"text":"Yeah.","start":2690.545,"end":2690.865,"sentiment":"neutral","sentiment_score":0.16506709158420563},{"text":"Fantastic.","start":2690.865,"end":2691.365,"sentiment":"positive","sentiment_score":0.5632615089416504}],"sentiment":"neutral","sentiment_score":0.21150863356888294,"num_words":5,"start":2667.9949,"end":2691.365},{"sentences":[{"text":"Fantastic.","start":2691.825,"end":2692.325,"sentiment":"positive","sentiment_score":0.5527651309967041},{"text":"Good to see.","start":2692.705,"end":2693.605,"sentiment":"positive","sentiment_score":0.4371589670578639},{"text":"Well, back full time, back Monday to Friday again.","start":2694.145,"end":2696.545,"sentiment":"positive","sentiment_score":0.36442841589450836},{"text":"That'll be really good.","start":2696.545,"end":2697.845,"sentiment":"positive","sentiment_score":0.8072752058506012},{"text":"Yeah.","start":2698.305,"end":2698.805,"sentiment":"neutral","sentiment_score":0.08435432612895966}],"sentiment":"positive","sentiment_score":0.4698640513751242,"num_words":18,"start":2691.825,"end":2698.805},{"sentences":[{"text":"Yep.","start":2708.96,"end":2709.46,"sentiment":"neutral","sentiment_score":-0.006810306571424007},{"text":"Yeah.","start":2714.2551,"end":2714.7551,"sentiment":"neutral","sentiment_score":0.01223676186054945},{"text":"Yeah.","start":2718.495,"end":2718.995,"sentiment":"neutral","sentiment_score":0.03512509539723396},{"text":"Yeah.","start":2719.135,"end":2719.635,"sentiment":"neutral","sentiment_score":0.12757179141044617},{"text":"And in the middle of the week too.","start":2722.8152,"end":2724.5151,"sentiment":"neutral","sentiment_score":0.10425439104437828}],"sentiment":"neutral","sentiment_score":0.08351320587098598,"num_words":12,"start":2708.96,"end":2724.5151},{"sentences":[{"text":"Yeah.","start":2726.72,"end":2727.22,"sentiment":"neutral","sentiment_score":0.05992493778467178},{"text":"No.","start":2727.3599,"end":2727.5999,"sentiment":"neutral","sentiment_score":0.1471210420131683},{"text":"Perfect.","start":2727.5999,"end":2728.0999,"sentiment":"positive","sentiment_score":0.3911941647529602},{"text":"All good.","start":2728.4,"end":2728.7998,"sentiment":"positive","sentiment_score":0.39965102076530457},{"text":"Well, I'm really happy that it's all worked out well for you.","start":2728.7998,"end":2731.46,"sentiment":"positive","sentiment_score":0.7598182807366053}],"sentiment":"positive","sentiment_score":0.6185506797012161,"num_words":17,"start":2726.72,"end":2731.46},{"sentences":[{"text":"Back all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you.","start":2731.92,"end":2737.5999,"sentiment":"positive","sentiment_score":0.3981817662715912},{"text":"Reducing your risk is one of the most important things I wanna get started.","start":2737.5999,"end":2740.8198,"sentiment":"neutral","sentiment_score":0.29949323513678144},{"text":"And whenever I set up a pension, we start by just rolling over into the TTR pension account.","start":2741.675,"end":2747.215,"sentiment":"neutral","sentiment_score":0.15921176514691776},{"text":"That does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment.","start":2747.435,"end":2757.42,"sentiment":"neutral","sentiment_score":0.12744832060166766},{"text":"That way you're not increasing contributions prior to the first drawdown coming if it doesn't leave you late.","start":2757.42,"end":2763.1,"sentiment":"neutral","sentiment_score":0.042609118959969945}],"sentiment":"neutral","sentiment_score":0.19088294217363,"num_words":104,"start":2731.92,"end":2763.1},{"sentences":[{"text":"So that's the way I tend to do those sorts of things.","start":2763.1,"end":2766.08,"sentiment":"neutral","sentiment_score":0.06356435548514128},{"text":"But, yeah, that'd be good.","start":2766.54,"end":2767.605,"sentiment":"neutral","sentiment_score":0.21478463411331178},{"text":"And, like, once you get your paces through, I'll run the numbers.","start":2767.605,"end":2770.405,"sentiment":"neutral","sentiment_score":0.16475334453086057},{"text":"And if there are changes, I'll let you know we need to change the advice prior to rolling into pension.","start":2770.405,"end":2774.985,"sentiment":"neutral","sentiment_score":0.11689872033894062},{"text":"If there's no changes, I'll let you know we're good to proceed, and we'll just keep going for you.","start":2775.365,"end":2780.485,"sentiment":"neutral","sentiment_score":0.29574833575047943}],"sentiment":"neutral","sentiment_score":0.17310188759994857,"num_words":68,"start":2763.1,"end":2780.485},{"sentences":[{"text":"Okay?","start":2780.485,"end":2780.985,"sentiment":"neutral","sentiment_score":0.0967194139957428},{"text":"Yeah.","start":2781.205,"end":2781.705,"sentiment":"neutral","sentiment_score":0.09522169083356856},{"text":"That's okay.","start":2783.94,"end":2784.84,"sentiment":"neutral","sentiment_score":0.11920176446437837},{"text":"Not a problem.","start":2785.06,"end":2785.7,"sentiment":"neutral","sentiment_score":0.0026616590718428292},{"text":"I'm so sorry.","start":2785.7,"end":2786.42,"sentiment":"neutral","sentiment_score":-0.18512881795565286}],"sentiment":"neutral","sentiment_score":-0.011705684289336207,"num_words":10,"start":2780.485,"end":2786.42},{"sentences":[{"text":"I had to cancel last night and push the appointment.","start":2786.42,"end":2789.3801,"sentiment":"neutral","sentiment_score":-0.2788924306631088},{"text":"My last call took a bit longer than I was expecting.","start":2789.3801,"end":2791.8801,"sentiment":"neutral","sentiment_score":-0.2181959321553057},{"text":"Yep.","start":2798.115,"end":2798.615,"sentiment":"neutral","sentiment_score":0.0024294196628034115},{"text":"Yeah.","start":2803.875,"end":2804.375,"sentiment":"neutral","sentiment_score":-0.04424342513084411},{"text":"Yeah.","start":2807.97,"end":2808.45,"sentiment":"neutral","sentiment_score":-0.127435103058815}],"sentiment":"neutral","sentiment_score":-0.2232636945360961,"num_words":24,"start":2786.42,"end":2808.45},{"sentences":[{"text":"Sorry about that.","start":2808.45,"end":2809.83,"sentiment":"neutral","sentiment_score":-0.18095430731773376},{"text":"Oh, you're a gem.","start":2814.1301,"end":2815.67,"sentiment":"neutral","sentiment_score":0.1526628164574504},{"text":"Yeah.","start":2816.1301,"end":2816.53,"sentiment":"neutral","sentiment_score":0.2010456621646881},{"text":"You're a gem, but no.","start":2816.53,"end":2817.73,"sentiment":"neutral","sentiment_score":0.19645283222198487},{"text":"Thank you so much for taking my call today.","start":2817.73,"end":2820.29,"sentiment":"positive","sentiment_score":0.768723746140798}],"sentiment":"positive","sentiment_score":0.37134599465538154,"num_words":22,"start":2808.45,"end":2820.29},{"sentences":[{"text":"I hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that you do have.","start":2820.29,"end":2825.4949,"sentiment":"positive","sentiment_score":0.5867591415132795},{"text":"Happy to take a call anytime you need.","start":2825.4949,"end":2827.815,"sentiment":"positive","sentiment_score":0.49097633361816406},{"text":"Okay?","start":2827.815,"end":2828.315,"sentiment":"neutral","sentiment_score":0.20380240678787231},{"text":"My pleasure.","start":2831.185,"end":2831.905,"sentiment":"positive","sentiment_score":0.8026672601699829},{"text":"Thanks so much, Cole.","start":2831.905,"end":2833.025,"sentiment":"positive","sentiment_score":0.8432507365942001}],"sentiment":"positive","sentiment_score":0.5939350349958553,"num_words":43,"start":2820.29,"end":2833.025},{"sentences":[{"text":"Have a good afternoon.","start":2833.025,"end":2834.005,"sentiment":"positive","sentiment_score":0.7189250737428665},{"text":"See you later.","start":2834.785,"end":2835.685,"sentiment":"neutral","sentiment_score":0.25870246688524884},{"text":"Bye.","start":2836.145,"end":2836.645,"sentiment":"neutral","sentiment_score":0.21934863924980164}],"sentiment":"positive","sentiment_score":0.48389454185962677,"num_words":8,"start":2833.025,"end":2836.645}]}}]},{"alternatives":[{"transcript":"Hello, Dana. I'm good, mate. How are you going? Not bad, mate. Not bad. Yeah. Can't complain. Yeah, mate. No. That's far away. Yep. Yep. Got it all open, ready to go. Yep. I had to skim through it last night. Yeah. And and, you know, only a quick one, but I had a look through it, mate. And and I think just from what I could see, like, not knowing the ins and outs specifically, but it's it's pretty well what I want. I don't I don't know. Just the way things are going, I don't you know, I just wanna have it nice and easy and and whatever and and virtually just try and get as much into my super as I can, really, is what I'm trying to to pump in. So Yeah. Yeah. No. That was good. That was yesterday, and I'm back to full time, back to pre injury duty. So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay. So Yep. Oh, you reckon? Oh, well, yeah. It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but, you know, what I said to the doctor, I said, no. I don't want that. I wanna just get back as soon as I can because everything's working okay where everything's good. And, you know, it's alright for them to do that because they're not losing money. So they don't they don't particularly worry about that side of it. But anyway, that's all good. Yep. This is this is the statement of advice. Yep. Okay. Hang on. Yep. Got him. Yeah. Got him now. Well, I had everything lined up, but I didn't know which one you're gonna look at first. So Yep. Yep. Yep. Yep. Yep. Yep. That's cool. Yep. Yes. Yes. That's no worries. Yep. No worries. Octolio is fine. Okay. Page nine nine. Yep. Yep. Yep. Yep. Yep. Uh-huh. Yep. Okay. Got it. So, yeah, they if they don't perform, they're they're kicked out. Yep. Mhmm. Okay. Yep. Yep. Mhmm. Okay. Yep. Yep. Yep. Yep. No problem. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Not a problem. Yep. Yep. Mhmm. Yep. Yep. Yep. K. Gotcha. Yeah. Right. Yeah. Yep. Not a worry. Yeah. Yes. Correct. Okay. Yep. Yeah. It's not yet. Yep. Yep. K. Mhmm. Yes. Yep. Happy with that. Yeah. Yeah. That's right. It makes sense. I mean, you just gotta keep following them. Well, I mean, it's hard, but it's easy for you to say that. I don't I don't get a lot of what you, you know, what you fellas do. But, I mean, you you just know where you are sort of thing. So you virtually, you're following the flow the same as anyone would in any business. But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually. So, I mean, a lot of this stuff is in the dark for me, but I'm I'm getting what you're saying. And it and it all and it all makes sense. You know? So so that's good. But it'd be I'm I'm I'm happy with with the way we're going and and the direction we're going at the moment anyway. So that's that's the main thing. Yes. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Fantastic. Yep. Yep. Yep. Got that. Yes. Yes. Yep. Yep. Sounds good. Yeah. That's right. Exactly. You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever. But then when I finally got a a permanent job, I started to actually put a bit of because the old man said to me, you know, you have you looked at super? And I said, well, no. You don't do that when you're young. You know? Like, and he said, well you know, because he he used to work for the the hospital, so he was in a government setup. And they had a good system sort of thing, and he said, well, you should start looking at it. He said, you know, you don't have to, but you should start putting something away. So I did. And I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else. And and, yeah, some for some reason, it was just sort of left behind. Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually start putting anything myself or into super at all. But, anyway, I mean, eventually, like, we're getting to this point. It should I should have been a lot better off, obviously, which we all say that, but it's just one of those things that life is what it is. And, you know but I mean, I I'm I'm not gonna be unhappy with what what we're working towards. So yeah. Yes. Yes. Yeah. Cool. That's all. Yep. Yeah. Yeah. That's right. Yeah. That's why I take a take a bit of money. Yeah. Yep. Yes. Yep. Yeah. Yeah. Yeah. Yeah. No. That's fine. Yep. Yeah. Yeah. No. That's right. Yeah. Yeah. Gotcha. Yeah. Right. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yep. Not a problem. Yep. Yep. Mhmm. Yes, ma'am. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Right. Yeah. Yeah. Yeah. Yep. Yep. No. No. That's the way it is. It's it it all looks good. Like, you know, I mean, if it's as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem. You know? And and and that's what you're getting paid for sort of thing. So, you know, but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before. So I'm I'm I'm laughing. You know? So Yeah. Yep. Yep. Yeah. Yeah. Well, I thought once I once I get settled down again, yeah, I'll I'll send you the the latest payslips or whatever. And then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway. So I'll put in for a wage review and and whatever. It's taken two bloody years. But anyway, yeah, we've had a lot of stuff going on with council. But anyway yeah. So hopefully, like, I'm in the I'm in the wings for another pay rise anyway. So that'll go up again. Fingers crossed. So Yep. Yep. Okay. Thank you. Yes. Yes. Yep. Yes. Yes. Gotcha. Yes. Oh, okay. I thought that I thought it might be a like a one off. Once you do it, that shit, you can't go back. Yep. Yes. Yep. Yep. Yes. Working very well. Yeah. Yep. I thought that's it. Yes. Oh, okay. Right here. Yeah. No. Excellent. Good. Yep. Yep. Yep. Okay. Yeah. Sounds good. Yeah. Oh, I don't know about the fun bit, but it's been it's been a bit of a yeah. It's been a haul, but, you know, like, I'm just I'm just I just don't want it to I just didn't want it to sort of go on too much longer sort of thing. And and, I mean, everyone everyone was okay with with it at work and everything else. And and, you know, I said the doctor's on my side anyway. So that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point. So and I think in the long run, virtually, it's it's me. Like, I'm the one that says, well, I wanna do this or no. I wanna extend it or whatever. That's I think that's the whole point. It it should be up to me. So and I'm happy. So I don't know, you know, I don't care what the other father was saying. So I'm I'm I'm happy with what I'm doing. So that's that's the money. And and, you know, they can they can go jump. Oh, yeah. My word. My word. It's it's made all the difference. Don't get me wrong. But, yeah, I'm I'm re I'm ready to get back into it. So yeah. There it is. No. That's it. Exactly right. Everything nothing's coming down, mate, too too well. But, yeah, it's, you know, you you see the other side of it too. You're you're a mom, and you're looking after the, you know, the household side, I guess, or whatever. But that's it. And, you know, they're not making it easy for us, so we gotta try and grab what we can when we can. Yep. Yeah. Yeah. Exactly. Yep. Yes. Yeah. I believe. Yeah. Yeah. Yes. Yes. Yes. Oh, my word. Yes. Yep. Yep. Yes. Yes. Yes. Yep. No. It sounds good, Mike. Sounds good. Okay. Yep. Yep. Yep. Yes. Yep. No worries. Mhmm. That'd be fine. Yeah. Yeah. No. That'd be fine. Yeah. Mhmm. Yep. Yep. Yep. Not not a problem, mate. That'd be great. Thank you. No, mate. No. It's just a matter of it. It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there. But, you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you know, like, in the long run sort of thing. But, I mean, yeah, I'm I'm I'm happy with what we've ended up with. That's, you know, that's I'm I'm glad you sort of think about that. So, you know, and I talked to Carrie or whatever, and and I said, well, we're we're still getting a benefit or you still get a benefit. But but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go. So, you know yeah. Just just just keeping her covered. Yep. Yes. Yes. Yep. No worries at all. That'd be great. Lovely. Yeah. Oh, yeah. Mhmm. It it'll probably probably be about two weeks, I think, by the time that one comes through. So Yeah. Yes. Okay. But there's nothing I've got to sign on this stuff at the moment? Yeah. Yeah. Now what I mean what I mean was with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup sort of thing? Or Yeah. So so virtually virtually when I'm happy with this, sign this one and get it out of the way, and then we'll worry about the other one later. Yeah. Yep. Yep. Yeah. So that's right. So yeah. We just worry about it if we have to sort of thing. Yeah. Okay. No. As of today. Yeah. Yeah. No. I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing. So I'm in I'm in control virtually. So but I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's been so it's virtually nearly two months. So and and, yeah, I haven't had any specific real problems, so I don't see there's gonna be too much of an issue going forward. So The only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently. But when I go back, I I just get every second Friday instead of every Wednesday. It's a bit of a bit of a drop that way. But, I mean, they're they're just going back to the normal setup anyway, so it's what I'm used to. But it was just handy having an extra Wednesday. Yep. Yeah. Yep. Yes. Yes. Yep. No worries, mate. Thank you very much, Dana. I appreciate that. I don't know what happened. That's what I said to Michelle when she jumped on and said, ah. Because I I thought it was you. So I said, hey. You're going down? I told her. She's on. I said, oh, okay. I said, I've I've got guess what's gonna happen. Because as soon as it started to go over time, I did. I thought, oh, no. She's got caught. And I was gonna say, if you if you did ring up, I was just gonna say, look. Go home, and we'll talk about it later because you've got a long way to go. So it's yep. Yep. You're good, mate. Yeah. Alright. No worries, Dana. Thank you, and you take care. Okay. Okay. You too. See you. Yep.","confidence":0.98535156,"words":[{"word":"hello","start":1.4399999,"end":1.8399999,"confidence":0.9855957,"punctuated_word":"Hello,","sentiment":"neutral","sentiment_score":0.06261160969734192},{"word":"dana","start":1.8399999,"end":2.34,"confidence":0.8132324,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.05468852445483208},{"word":"i'm","start":5.7599998,"end":6.0,"confidence":0.7512207,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5076891779899597},{"word":"good","start":6.0,"end":6.24,"confidence":0.9975586,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.6159015893936157},{"word":"mate","start":6.24,"end":6.48,"confidence":0.98999023,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5898634195327759},{"word":"how","start":6.48,"end":6.64,"confidence":1.0,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.48790955543518066},{"word":"are","start":6.64,"end":6.72,"confidence":0.90625,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4090603291988373},{"word":"you","start":6.72,"end":6.7999997,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3980567157268524},{"word":"going","start":6.7999997,"end":7.2999997,"confidence":0.939209,"punctuated_word":"going?","sentiment":"positive","sentiment_score":0.42372727394104},{"word":"not","start":11.04,"end":11.28,"confidence":0.9560547,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2822097837924957},{"word":"bad","start":11.28,"end":11.599999,"confidence":0.99902344,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":0.2054062783718109},{"word":"mate","start":11.599999,"end":11.84,"confidence":0.9902344,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.1904083788394928},{"word":"not","start":11.84,"end":12.08,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.16960948705673218},{"word":"bad","start":12.08,"end":12.465,"confidence":0.9995117,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.202190101146698},{"word":"yeah","start":12.625,"end":12.945,"confidence":0.9675293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.141207754611969},{"word":"can't","start":12.945,"end":13.1050005,"confidence":0.93530273,"punctuated_word":"Can't","sentiment":"neutral","sentiment_score":0.05379687994718552},{"word":"complain","start":13.1050005,"end":13.6050005,"confidence":0.99853516,"punctuated_word":"complain.","sentiment":"neutral","sentiment_score":0.10936430096626282},{"word":"yeah","start":20.625,"end":20.865,"confidence":0.98291016,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":-0.029153987765312195},{"word":"mate","start":20.865,"end":21.105,"confidence":0.9970703,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.02133720926940441},{"word":"no","start":21.105,"end":21.345001,"confidence":0.9733887,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14220541715621948},{"word":"that's","start":21.345001,"end":21.845001,"confidence":0.9836426,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.22354614734649655},{"word":"far","start":22.225,"end":22.465,"confidence":0.34838867,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.23180930316448212},{"word":"away","start":22.465,"end":22.965,"confidence":0.984375,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.14102895557880402},{"word":"yep","start":26.95,"end":27.27,"confidence":0.9604492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019752588123083115},{"word":"yep","start":27.27,"end":27.51,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03609585016965866},{"word":"got","start":27.51,"end":27.67,"confidence":0.9873047,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.06360241770744324},{"word":"it","start":27.67,"end":27.83,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0979255586862564},{"word":"all","start":27.83,"end":27.99,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11297911405563354},{"word":"open","start":27.99,"end":28.39,"confidence":0.7302246,"punctuated_word":"open,","sentiment":"neutral","sentiment_score":0.08979003131389618},{"word":"ready","start":28.39,"end":28.63,"confidence":0.99902344,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.12971825897693634},{"word":"to","start":28.63,"end":28.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0956714004278183},{"word":"go","start":28.79,"end":29.029999,"confidence":0.99853516,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.1046784520149231},{"word":"yep","start":29.029999,"end":29.529999,"confidence":0.9995117,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0826578140258789},{"word":"i","start":32.87,"end":32.95,"confidence":0.93847656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012211255729198456},{"word":"had","start":32.95,"end":33.11,"confidence":0.984375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.00234120711684227},{"word":"to","start":33.11,"end":33.27,"confidence":0.64746094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01087290607392788},{"word":"skim","start":33.27,"end":33.51,"confidence":0.9838867,"punctuated_word":"skim","sentiment":"neutral","sentiment_score":0.008682632818818092},{"word":"through","start":33.51,"end":34.01,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01709790900349617},{"word":"it","start":35.43,"end":35.59,"confidence":0.95166016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012810394167900084},{"word":"last","start":35.59,"end":35.989998,"confidence":0.88427734,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.008516360074281693},{"word":"night","start":35.989998,"end":36.23,"confidence":0.9790039,"punctuated_word":"night.","sentiment":"neutral","sentiment_score":0.024647582322359085},{"word":"yeah","start":36.23,"end":36.73,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03333939611911774},{"word":"and","start":36.79,"end":37.11,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.028185125440359116},{"word":"and","start":37.11,"end":37.23,"confidence":0.72021484,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.025589708238840103},{"word":"you","start":37.23,"end":37.35,"confidence":0.85595703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02590274065732956},{"word":"know","start":37.35,"end":37.67,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.026585649698972705},{"word":"only","start":37.67,"end":37.989998,"confidence":0.33251953,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.018220188096165657},{"word":"a","start":37.989998,"end":38.07,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03243973106145859},{"word":"quick","start":38.07,"end":38.309998,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.03559434413909912},{"word":"one","start":38.309998,"end":38.47,"confidence":0.94628906,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.02831106260418892},{"word":"but","start":38.47,"end":38.925,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.026621060445904732},{"word":"i","start":39.085,"end":39.165,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034935593605041504},{"word":"had","start":39.165,"end":39.245003,"confidence":0.83447266,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0332316979765892},{"word":"a","start":39.245003,"end":39.325,"confidence":0.5131836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04158368706703186},{"word":"look","start":39.325,"end":39.565,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03127850964665413},{"word":"through","start":39.565,"end":39.684998,"confidence":0.98535156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.032894834876060486},{"word":"it","start":39.684998,"end":39.805,"confidence":0.6738281,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07870733737945557},{"word":"mate","start":39.805,"end":40.125,"confidence":0.9760742,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.08519437164068222},{"word":"and","start":40.125,"end":40.285,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04291662946343422},{"word":"and","start":40.285,"end":40.524998,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02963031828403473},{"word":"i","start":40.524998,"end":40.605,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02709665521979332},{"word":"think","start":40.605,"end":41.105,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0385289192199707},{"word":"just","start":41.565,"end":41.885,"confidence":0.7739258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03886222094297409},{"word":"from","start":41.885,"end":42.125,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.030253075063228607},{"word":"what","start":42.125,"end":42.285,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.027488013729453087},{"word":"i","start":42.285,"end":42.445,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022872254252433777},{"word":"could","start":42.445,"end":42.605,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03073721006512642},{"word":"see","start":42.605,"end":42.844997,"confidence":0.7607422,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.035605765879154205},{"word":"like","start":42.844997,"end":43.085,"confidence":0.8391113,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.036082640290260315},{"word":"not","start":43.085,"end":43.245,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01789499633014202},{"word":"knowing","start":43.245,"end":43.485,"confidence":0.99609375,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":0.020563509315252304},{"word":"the","start":43.485,"end":43.725,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02913116291165352},{"word":"ins","start":43.725,"end":43.885,"confidence":0.9980469,"punctuated_word":"ins","sentiment":"neutral","sentiment_score":0.01914634183049202},{"word":"and","start":43.885,"end":44.045,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016465388238430023},{"word":"outs","start":44.045,"end":44.545,"confidence":0.99902344,"punctuated_word":"outs","sentiment":"neutral","sentiment_score":0.02502632327377796},{"word":"specifically","start":44.605,"end":45.105,"confidence":0.94433594,"punctuated_word":"specifically,","sentiment":"neutral","sentiment_score":0.02721504308283329},{"word":"but","start":45.245,"end":45.745,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04951849952340126},{"word":"it's","start":45.805,"end":46.125,"confidence":0.93774414,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0722539946436882},{"word":"it's","start":46.125,"end":46.285,"confidence":0.9707031,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.108529232442379},{"word":"pretty","start":46.285,"end":46.524998,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.12212398648262024},{"word":"well","start":46.524998,"end":46.684998,"confidence":0.9086914,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1383815556764603},{"word":"what","start":46.684998,"end":46.844997,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14540241658687592},{"word":"i","start":46.844997,"end":47.004997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09825651347637177},{"word":"want","start":47.004997,"end":47.504997,"confidence":0.9995117,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.07598313689231873},{"word":"i","start":49.805,"end":49.965,"confidence":0.93115234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04005518928170204},{"word":"don't","start":49.965,"end":50.285,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.029536068439483643},{"word":"i","start":50.285,"end":50.445,"confidence":0.56591797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051421474665403366},{"word":"don't","start":50.445,"end":50.684998,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0683988481760025},{"word":"know","start":50.684998,"end":50.845,"confidence":0.93969727,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.03437015414237976},{"word":"just","start":50.845,"end":51.085,"confidence":0.98535156,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.010851114988327026},{"word":"the","start":51.085,"end":51.245,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008884377777576447},{"word":"way","start":51.245,"end":51.405,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.03685685992240906},{"word":"things","start":51.405,"end":51.644997,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.025384582579135895},{"word":"are","start":51.644997,"end":51.725,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03338829427957535},{"word":"going","start":51.725,"end":52.045,"confidence":0.91430664,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":0.08189845830202103},{"word":"i","start":52.045,"end":52.125,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027381740510463715},{"word":"don't","start":52.125,"end":52.285,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.022167474031448364},{"word":"you","start":52.910004,"end":53.070004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0010708719491958618},{"word":"know","start":53.070004,"end":53.570004,"confidence":0.8208008,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03375101462006569},{"word":"i","start":53.870003,"end":54.11,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03380046784877777},{"word":"just","start":54.11,"end":54.27,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06980346143245697},{"word":"wanna","start":54.27,"end":54.59,"confidence":0.9472656,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11109726876020432},{"word":"have","start":54.59,"end":54.670002,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1027911901473999},{"word":"it","start":54.670002,"end":54.83,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12656666338443756},{"word":"nice","start":54.83,"end":55.070004,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.12656527757644653},{"word":"and","start":55.070004,"end":55.15,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12724508345127106},{"word":"easy","start":55.15,"end":55.65,"confidence":1.0,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.1480797827243805},{"word":"and","start":56.11,"end":56.190002,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029848478734493256},{"word":"and","start":56.190002,"end":56.43,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004257410764694214},{"word":"whatever","start":56.43,"end":56.75,"confidence":0.9980469,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.02150871232151985},{"word":"and","start":56.75,"end":57.25,"confidence":0.6801758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028321310877799988},{"word":"and","start":58.27,"end":58.510002,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034462373703718185},{"word":"virtually","start":58.510002,"end":59.010002,"confidence":0.91259766,"punctuated_word":"virtually","sentiment":"neutral","sentiment_score":0.043306078761816025},{"word":"just","start":59.07,"end":59.31,"confidence":0.8154297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03772271052002907},{"word":"try","start":59.31,"end":59.390003,"confidence":0.89208984,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.023227043449878693},{"word":"and","start":59.390003,"end":59.550003,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.043090082705020905},{"word":"get","start":59.550003,"end":59.710003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.026488512754440308},{"word":"as","start":59.710003,"end":59.79,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05222811177372933},{"word":"much","start":59.79,"end":60.030003,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06669747084379196},{"word":"into","start":60.030003,"end":60.27,"confidence":0.9243164,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05735185742378235},{"word":"my","start":60.27,"end":60.43,"confidence":0.88134766,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03225909173488617},{"word":"super","start":60.43,"end":60.670002,"confidence":0.8183594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.09190019965171814},{"word":"as","start":60.670002,"end":60.83,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.052115872502326965},{"word":"i","start":60.83,"end":60.99,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051587529480457306},{"word":"can","start":60.99,"end":61.15,"confidence":0.7597656,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.04157634824514389},{"word":"really","start":61.15,"end":61.39,"confidence":0.8901367,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.04970632866024971},{"word":"is","start":61.39,"end":61.550003,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.025700733065605164},{"word":"what","start":61.550003,"end":61.710003,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.009419295936822891},{"word":"i'm","start":61.710003,"end":61.870003,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.007583643309772015},{"word":"trying","start":61.870003,"end":62.190002,"confidence":0.9921875,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.008747633546590805},{"word":"to","start":62.190002,"end":62.690002,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011780183762311935},{"word":"to","start":62.99,"end":63.07,"confidence":0.93115234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01043631136417389},{"word":"pump","start":63.07,"end":63.39,"confidence":0.9902344,"punctuated_word":"pump","sentiment":"neutral","sentiment_score":0.01751253753900528},{"word":"in","start":63.39,"end":63.63,"confidence":0.71069336,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.030177675187587735},{"word":"so","start":63.63,"end":63.79,"confidence":0.64160156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04188016057014465},{"word":"yeah","start":64.04,"end":64.54,"confidence":0.5573425,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06250857561826706},{"word":"yeah","start":71.615,"end":72.015,"confidence":0.8244629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012058465741574764},{"word":"no","start":72.015,"end":72.255,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.019129203632473946},{"word":"that","start":72.255,"end":72.415,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.10882748663425446},{"word":"was","start":72.415,"end":72.575,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.12082549184560776},{"word":"good","start":72.575,"end":72.814995,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.08479158580303192},{"word":"that","start":72.814995,"end":72.895,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06000635400414467},{"word":"was","start":72.895,"end":73.134995,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06039793789386749},{"word":"yesterday","start":73.134995,"end":73.634995,"confidence":0.795166,"punctuated_word":"yesterday,","sentiment":"neutral","sentiment_score":0.08729284256696701},{"word":"and","start":73.774994,"end":74.095,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0744050145149231},{"word":"i'm","start":74.095,"end":74.255,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07719406485557556},{"word":"back","start":74.255,"end":74.494995,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05170869827270508},{"word":"to","start":74.494995,"end":74.655,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1062742844223976},{"word":"full","start":74.655,"end":74.975,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.14745263755321503},{"word":"time","start":74.975,"end":75.475,"confidence":0.78930664,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.10809922218322754},{"word":"back","start":75.935,"end":76.174995,"confidence":0.98535156,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11540628969669342},{"word":"to","start":76.174995,"end":76.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13044968247413635},{"word":"pre","start":76.415,"end":76.655,"confidence":0.9580078,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.05393447354435921},{"word":"injury","start":76.655,"end":77.134995,"confidence":0.96533203,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":0.061756476759910583},{"word":"duty","start":77.134995,"end":77.534996,"confidence":0.83251953,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.06323183327913284},{"word":"so","start":77.534996,"end":78.034996,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04389056563377381},{"word":"it'll","start":78.64,"end":78.72,"confidence":0.9970703,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05272860452532768},{"word":"be","start":78.72,"end":79.119995,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0683569461107254},{"word":"probably","start":79.119995,"end":79.619995,"confidence":0.9614258,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04209282249212265},{"word":"not","start":80.64,"end":80.88,"confidence":0.62841797,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.041079699993133545},{"word":"this","start":80.88,"end":81.04,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0027973465621471405},{"word":"week","start":81.04,"end":81.36,"confidence":0.94750977,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.010156875476241112},{"word":"not","start":81.36,"end":81.6,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0004073530435562134},{"word":"next","start":81.6,"end":81.84,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.003723837435245514},{"word":"week","start":81.84,"end":82.159996,"confidence":0.7919922,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.025848757475614548},{"word":"the","start":82.159996,"end":82.32,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035200927406549454},{"word":"week","start":82.32,"end":82.56,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.037050195038318634},{"word":"after","start":82.56,"end":82.88,"confidence":0.7059326,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.04673846811056137},{"word":"i'll","start":82.88,"end":83.119995,"confidence":0.9626465,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06370150297880173},{"word":"be","start":83.119995,"end":83.28,"confidence":0.7001953,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.056229062378406525},{"word":"i'll","start":83.28,"end":83.36,"confidence":0.9394531,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0610918328166008},{"word":"be","start":83.36,"end":83.52,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06381677091121674},{"word":"virtually","start":83.52,"end":84.0,"confidence":0.9941406,"punctuated_word":"virtually","sentiment":"neutral","sentiment_score":0.08944955468177795},{"word":"back","start":84.0,"end":84.32,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0784182995557785},{"word":"to","start":84.32,"end":84.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07242818176746368},{"word":"to","start":85.759995,"end":86.0,"confidence":0.8569336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06311142444610596},{"word":"full","start":86.0,"end":86.24,"confidence":0.9921875,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1033775955438614},{"word":"pay","start":86.24,"end":86.56,"confidence":0.9519043,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":0.03871280699968338},{"word":"so","start":86.56,"end":86.88,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19195984303951263},{"word":"yep","start":89.04,"end":89.54,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15534590184688568},{"word":"oh","start":94.475,"end":94.715,"confidence":0.94262695,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1347951591014862},{"word":"you","start":94.715,"end":94.875,"confidence":0.85839844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04383967444300651},{"word":"reckon","start":94.875,"end":95.375,"confidence":0.9716797,"punctuated_word":"reckon?","sentiment":"neutral","sentiment_score":0.12362807989120483},{"word":"oh","start":100.475,"end":100.715,"confidence":0.6798096,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.024237055331468586},{"word":"well","start":100.715,"end":100.954994,"confidence":0.84033203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.02091662771999836},{"word":"yeah","start":100.954994,"end":101.19499,"confidence":0.6303711,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.028203023597598076},{"word":"it's","start":101.19499,"end":101.354996,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.011141367256641388},{"word":"a","start":101.354996,"end":101.435,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031970225274562836},{"word":"bit","start":101.435,"end":101.59499,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1161983534693718},{"word":"quicker","start":101.59499,"end":101.91499,"confidence":0.5493164,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":-0.05767054110765457},{"word":"because","start":101.91499,"end":102.155,"confidence":0.8984375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0031850486993789673},{"word":"i've","start":102.155,"end":102.395,"confidence":0.62854004,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0153399845585227},{"word":"they","start":102.55499,"end":102.795,"confidence":0.72802734,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04303912818431854},{"word":"work","start":102.795,"end":103.115,"confidence":0.34448242,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.02263670042157173},{"word":"i","start":103.274994,"end":103.435,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020180150866508484},{"word":"think","start":103.435,"end":103.674995,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.025603212416172028},{"word":"the","start":103.674995,"end":104.174995,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05634178593754768},{"word":"rehab","start":104.395,"end":104.715,"confidence":1.0,"punctuated_word":"rehab","sentiment":"neutral","sentiment_score":-0.08406905084848404},{"word":"worker","start":104.715,"end":105.115,"confidence":0.88183594,"punctuated_word":"worker","sentiment":"neutral","sentiment_score":-0.06475404649972916},{"word":"was","start":105.115,"end":105.354996,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.08907337486743927},{"word":"trying","start":105.354996,"end":105.59499,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.06617022305727005},{"word":"to","start":105.59499,"end":105.835,"confidence":0.98339844,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.06054304540157318},{"word":"like","start":105.835,"end":106.075,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05910934507846832},{"word":"draw","start":106.075,"end":106.314995,"confidence":0.9970703,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.04885607585310936},{"word":"it","start":106.314995,"end":106.395,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.089750736951828},{"word":"out","start":106.395,"end":106.634995,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.04971157759428024},{"word":"a","start":106.634995,"end":106.715,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06051278114318848},{"word":"little","start":106.715,"end":106.875,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05832641199231148},{"word":"bit","start":106.875,"end":107.115,"confidence":0.7751465,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.05647078156471253},{"word":"but","start":107.115,"end":107.615,"confidence":0.9133301,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.03273013234138489},{"word":"you","start":107.87,"end":108.03,"confidence":0.9091797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11917824298143388},{"word":"know","start":108.03,"end":108.19,"confidence":0.9904785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10245095193386078},{"word":"what","start":108.19,"end":108.270004,"confidence":0.43847656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18174420297145844},{"word":"i","start":108.270004,"end":108.51,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1433161050081253},{"word":"said","start":108.51,"end":108.75,"confidence":0.76953125,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.2007196843624115},{"word":"to","start":108.75,"end":108.83,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20386654138565063},{"word":"the","start":108.83,"end":108.91,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1783287525177002},{"word":"doctor","start":108.91,"end":109.23,"confidence":0.93237305,"punctuated_word":"doctor,","sentiment":"neutral","sentiment_score":-0.13719429075717926},{"word":"i","start":109.23,"end":109.31,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1293749064207077},{"word":"said","start":109.31,"end":109.47,"confidence":0.96850586,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.12126249074935912},{"word":"no","start":109.47,"end":109.63,"confidence":0.94140625,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.32745951414108276},{"word":"i","start":109.63,"end":109.71,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3392876386642456},{"word":"don't","start":109.71,"end":109.87,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3805253207683563},{"word":"want","start":109.87,"end":110.03,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.3925966024398804},{"word":"that","start":110.03,"end":110.19,"confidence":0.9875488,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2929365038871765},{"word":"i","start":110.19,"end":110.270004,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.154218852519989},{"word":"wanna","start":110.270004,"end":110.51,"confidence":0.7709961,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10032501816749571},{"word":"just","start":110.51,"end":110.75,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.12814101576805115},{"word":"get","start":110.75,"end":110.91,"confidence":0.97998047,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.14066393673419952},{"word":"back","start":110.91,"end":111.07,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11651814728975296},{"word":"as","start":111.07,"end":111.23,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07179532200098038},{"word":"soon","start":111.23,"end":111.39,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.05745507776737213},{"word":"as","start":111.39,"end":111.55,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07016843557357788},{"word":"i","start":111.55,"end":111.63,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.036073148250579834},{"word":"can","start":111.63,"end":111.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02763407677412033},{"word":"because","start":111.79,"end":112.03,"confidence":0.4880371,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.005240395665168762},{"word":"everything's","start":112.03,"end":112.35,"confidence":0.982666,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.021203920245170593},{"word":"working","start":112.35,"end":112.67,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.02436600625514984},{"word":"okay","start":112.67,"end":112.91,"confidence":0.9970703,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09037254750728609},{"word":"where","start":112.91,"end":113.15,"confidence":0.49267578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04129057377576828},{"word":"everything's","start":113.15,"end":113.63,"confidence":0.95947266,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.2008851021528244},{"word":"good","start":113.63,"end":114.13,"confidence":0.9658203,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3604690432548523},{"word":"and","start":114.590004,"end":115.090004,"confidence":0.96484375,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.15423151850700378},{"word":"you","start":115.15,"end":115.39,"confidence":0.81152344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17334158718585968},{"word":"know","start":115.39,"end":115.55,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.15975815057754517},{"word":"it's","start":115.55,"end":115.71,"confidence":0.9916992,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22413800656795504},{"word":"alright","start":115.71,"end":116.03,"confidence":0.9770508,"punctuated_word":"alright","sentiment":"neutral","sentiment_score":0.27476081252098083},{"word":"for","start":116.03,"end":116.19,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.252437949180603},{"word":"them","start":116.19,"end":116.35,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.19961512088775635},{"word":"to","start":116.35,"end":116.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24376890063285828},{"word":"do","start":116.51,"end":116.67,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21482181549072263},{"word":"that","start":116.67,"end":116.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21859455108642575},{"word":"because","start":116.91,"end":117.23,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.19880761206150055},{"word":"they're","start":117.23,"end":117.47,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.25487375259399414},{"word":"not","start":117.47,"end":117.630005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1511353999376297},{"word":"losing","start":117.630005,"end":117.95,"confidence":1.0,"punctuated_word":"losing","sentiment":"neutral","sentiment_score":0.04511415958404541},{"word":"money","start":117.95,"end":118.35,"confidence":0.875,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.12513035535812378},{"word":"so","start":118.35,"end":118.85,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05701226741075516},{"word":"they","start":119.07,"end":119.23,"confidence":0.9550781,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.024020127952098846},{"word":"don't","start":119.23,"end":119.630005,"confidence":0.984375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.025251872837543488},{"word":"they","start":119.630005,"end":119.71,"confidence":0.97509766,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03155812621116638},{"word":"don't","start":119.71,"end":119.95,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.028675680980086327},{"word":"particularly","start":119.95,"end":120.43,"confidence":0.6230469,"punctuated_word":"particularly","sentiment":"neutral","sentiment_score":-0.06057755649089813},{"word":"worry","start":120.43,"end":120.75,"confidence":0.9980469,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.0563044548034668},{"word":"about","start":120.75,"end":120.99,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07410477101802826},{"word":"that","start":120.99,"end":121.15,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.029224835336208344},{"word":"side","start":121.15,"end":121.31,"confidence":0.97998047,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.02142781019210815},{"word":"of","start":121.31,"end":121.47,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0019986554980278015},{"word":"it","start":121.47,"end":121.630005,"confidence":0.93237305,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0006649792194366455},{"word":"but","start":121.630005,"end":121.845,"confidence":0.97998047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06233903765678406},{"word":"anyway","start":122.805,"end":123.285,"confidence":0.8955078,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.093613900244236},{"word":"that's","start":123.285,"end":123.445,"confidence":0.83374023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28748100996017456},{"word":"all","start":123.445,"end":123.685,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3379203677177429},{"word":"good","start":123.685,"end":124.185,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2879886031150818},{"word":"yep","start":127.845,"end":128.345,"confidence":0.76782227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06075865775346756},{"word":"this","start":132.085,"end":132.245,"confidence":0.3503418,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.014615939930081367},{"word":"is","start":132.245,"end":132.565,"confidence":0.92089844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01056178007274866},{"word":"this","start":132.565,"end":132.725,"confidence":0.9741211,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.018090303987264633},{"word":"is","start":132.725,"end":132.885,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00876932218670845},{"word":"the","start":132.885,"end":133.045,"confidence":0.8071289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007780512794852257},{"word":"statement","start":133.045,"end":133.445,"confidence":0.9970703,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.024688350036740303},{"word":"of","start":133.445,"end":133.685,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02166919596493244},{"word":"advice","start":133.685,"end":134.185,"confidence":0.87597656,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.014444596134126186},{"word":"yep","start":135.925,"end":136.425,"confidence":0.9362793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05220358073711395},{"word":"okay","start":136.485,"end":136.885,"confidence":0.9753418,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03737993910908699},{"word":"hang","start":136.885,"end":137.125,"confidence":0.9980469,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":0.020388085395097733},{"word":"on","start":137.125,"end":137.43,"confidence":0.99853516,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.01871483400464058},{"word":"yep","start":139.18999,"end":139.51,"confidence":0.8005371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02302003651857376},{"word":"got","start":139.51,"end":139.67,"confidence":0.9248047,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.020738091319799423},{"word":"him","start":139.67,"end":139.90999,"confidence":0.95947266,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.014172162860631944},{"word":"yeah","start":139.90999,"end":140.15,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003971640951931477},{"word":"got","start":140.15,"end":140.39,"confidence":0.9116211,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.0860983356833458},{"word":"him","start":140.39,"end":140.54999,"confidence":0.9941406,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.12145790457725524},{"word":"now","start":140.54999,"end":141.04999,"confidence":0.9267578,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.11863557994365692},{"word":"well","start":143.43,"end":143.75,"confidence":0.94677734,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.07303741574287415},{"word":"i","start":143.75,"end":143.90999,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09544634073972702},{"word":"had","start":143.90999,"end":144.06999,"confidence":0.81347656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.07924368232488632},{"word":"everything","start":144.06999,"end":144.46999,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.06637726724147797},{"word":"lined","start":144.46999,"end":144.70999,"confidence":0.99316406,"punctuated_word":"lined","sentiment":"neutral","sentiment_score":-0.0691162496805191},{"word":"up","start":144.70999,"end":144.79,"confidence":0.9645996,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.056404005736112595},{"word":"but","start":144.79,"end":144.87,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05567567050457001},{"word":"i","start":144.87,"end":144.95,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07720395922660828},{"word":"didn't","start":144.95,"end":145.18999,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.07344304770231247},{"word":"know","start":145.18999,"end":145.26999,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07146377116441727},{"word":"which","start":145.26999,"end":145.43,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.09257051348686218},{"word":"one","start":145.43,"end":145.59,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.08829514682292938},{"word":"you're","start":145.59,"end":145.75,"confidence":0.98535156,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05975522845983505},{"word":"gonna","start":145.75,"end":145.98999,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04723396152257919},{"word":"look","start":145.98999,"end":146.15,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.052059758454561234},{"word":"at","start":146.15,"end":146.39,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07769909501075745},{"word":"first","start":146.39,"end":146.70999,"confidence":0.94311523,"punctuated_word":"first.","sentiment":"neutral","sentiment_score":-0.06881006062030792},{"word":"so","start":146.70999,"end":147.20999,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0619451105594635},{"word":"yep","start":167.805,"end":168.305,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08256169408559799},{"word":"yep","start":202.73001,"end":203.23001,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07656097412109375},{"word":"yep","start":208.49,"end":208.875,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013465799391269684},{"word":"yep","start":223.06999,"end":223.56999,"confidence":0.9770508,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.059353917837142944},{"word":"yep","start":229.62999,"end":230.11,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07566222548484802},{"word":"yep","start":230.11,"end":230.43,"confidence":0.9543457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19581656157970428},{"word":"that's","start":230.43,"end":230.75,"confidence":0.5716553,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7115299105644226},{"word":"cool","start":230.75,"end":231.25,"confidence":0.8312988,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.7300360798835754},{"word":"yep","start":236.75,"end":237.25,"confidence":0.76293945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1452540010213852},{"word":"yes","start":241.175,"end":241.655,"confidence":0.7220459,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1368350237607956},{"word":"yes","start":241.655,"end":241.975,"confidence":0.65856934,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12217700481414796},{"word":"that's","start":241.975,"end":242.13501,"confidence":0.82910156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12950095534324646},{"word":"no","start":242.13501,"end":242.375,"confidence":0.7973633,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.14806784689426422},{"word":"worries","start":242.375,"end":242.875,"confidence":0.88720703,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.19844339787960052},{"word":"yep","start":249.81,"end":250.31,"confidence":0.75097656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17206546664237976},{"word":"no","start":253.97,"end":254.13,"confidence":0.9301758,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.09152405709028244},{"word":"worries","start":254.13,"end":254.63,"confidence":0.9926758,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.12411199510097504},{"word":"octolio","start":254.77,"end":255.27,"confidence":0.33610025,"punctuated_word":"Octolio","sentiment":"neutral","sentiment_score":0.21298614144325256},{"word":"is","start":255.49,"end":255.65,"confidence":0.7338867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.30410897731781006},{"word":"fine","start":255.65,"end":256.15,"confidence":0.7092285,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.3059840798377991},{"word":"okay","start":259.65,"end":260.15,"confidence":0.7167969,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06110977381467819},{"word":"page","start":260.21,"end":260.53,"confidence":0.96533203,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":0.040769319981336594},{"word":"nine","start":260.53,"end":260.69,"confidence":0.79052734,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.03816022351384163},{"word":"nine","start":260.69,"end":261.01,"confidence":0.9057617,"punctuated_word":"nine.","sentiment":"neutral","sentiment_score":0.04298245906829834},{"word":"yep","start":261.01,"end":261.465,"confidence":0.9975586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07942836731672287},{"word":"yep","start":294.755,"end":295.255,"confidence":0.78125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14809677004814148},{"word":"yep","start":305.795,"end":306.24,"confidence":0.88671875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0936332494020462},{"word":"yep","start":310.72,"end":311.22,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0630313828587532},{"word":"yep","start":313.59998,"end":314.09998,"confidence":0.6767578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11410582065582275},{"word":"uh-huh","start":319.155,"end":319.655,"confidence":0.9039062,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.007998470216989517},{"word":"yep","start":346.74,"end":347.24,"confidence":0.7858887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14719660580158234},{"word":"okay","start":367.48,"end":367.96002,"confidence":0.8852539,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0004170201718807221},{"word":"got","start":367.96002,"end":368.04,"confidence":0.6464844,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.0012796521186828611},{"word":"it","start":368.04,"end":368.28,"confidence":0.7980957,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.008449647575616837},{"word":"so","start":368.28,"end":368.6,"confidence":0.7167969,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.047034937888383865},{"word":"yeah","start":368.6,"end":368.84003,"confidence":0.9321289,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04623095318675041},{"word":"they","start":368.84003,"end":369.0,"confidence":0.84716797,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14673128724098206},{"word":"if","start":369.08002,"end":369.24002,"confidence":0.95947266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1633104830980301},{"word":"they","start":369.24002,"end":369.40002,"confidence":0.98828125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.21411077678203583},{"word":"don't","start":369.40002,"end":369.72,"confidence":0.99316406,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.20380961894989016},{"word":"perform","start":369.72,"end":370.2,"confidence":0.9641113,"punctuated_word":"perform,","sentiment":"neutral","sentiment_score":-0.21590161323547363},{"word":"they're","start":370.2,"end":370.68002,"confidence":0.6793213,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.2303357720375061},{"word":"they're","start":370.68002,"end":371.0,"confidence":0.9921875,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.22963619232177737},{"word":"kicked","start":371.0,"end":371.32,"confidence":0.9921875,"punctuated_word":"kicked","sentiment":"negative","sentiment_score":-0.35619431734085083},{"word":"out","start":371.32,"end":371.82,"confidence":0.986084,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.206590473651886},{"word":"yep","start":376.28,"end":376.78,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.35040804743766785},{"word":"mhmm","start":379.335,"end":379.835,"confidence":0.9104004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0167975015938282},{"word":"okay","start":387.1725,"end":387.6725,"confidence":0.8833008,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005444645881652832},{"word":"yep","start":400.37,"end":400.87,"confidence":0.9951172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05919404327869415},{"word":"yep","start":415.70502,"end":416.20502,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.28552424907684326},{"word":"mhmm","start":419.465,"end":419.965,"confidence":0.99731445,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04357634112238884},{"word":"okay","start":431.63998,"end":432.13998,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09809920191764832},{"word":"yep","start":432.28,"end":432.78,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1075764298439026},{"word":"yep","start":449.95,"end":450.45,"confidence":0.9362793,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10293905436992644},{"word":"yep","start":461.31,"end":461.55002,"confidence":0.86157227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.060396771878004074},{"word":"yep","start":461.55002,"end":462.05002,"confidence":0.9211426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0653889998793602},{"word":"no","start":462.11002,"end":462.35,"confidence":0.78271484,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.16627344489097595},{"word":"problem","start":462.35,"end":462.85,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.14230938255786896},{"word":"mhmm","start":489.62,"end":489.69998,"confidence":0.9012451,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.005608204752206802},{"word":"yep","start":489.69998,"end":490.19998,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006718873046338558},{"word":"yep","start":510.34998,"end":510.84998,"confidence":0.9680176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08135173469781876},{"word":"yep","start":519.845,"end":520.08496,"confidence":0.9440918,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0569794736802578},{"word":"yep","start":520.08496,"end":520.58496,"confidence":0.9633789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05544798821210861},{"word":"yep","start":522.9249,"end":523.4249,"confidence":0.93652344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09118729829788208},{"word":"yep","start":525.76495,"end":526.26495,"confidence":0.84399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02296273037791252},{"word":"yep","start":530.32495,"end":530.565,"confidence":0.8754883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0789073258638382},{"word":"not","start":530.565,"end":530.805,"confidence":0.9770508,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.25417962670326233},{"word":"a","start":530.805,"end":530.885,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18455472588539124},{"word":"problem","start":530.885,"end":531.385,"confidence":1.0,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.35328683257102966},{"word":"yep","start":532.75,"end":533.25,"confidence":0.77563477,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3375391960144043},{"word":"yep","start":556.275,"end":556.775,"confidence":0.9794922,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0371733158826828},{"word":"mhmm","start":563.26,"end":563.76,"confidence":0.9746094,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.18874692916870117},{"word":"yep","start":585.555,"end":586.055,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14897511899471283},{"word":"yep","start":586.355,"end":586.8,"confidence":0.8466797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.139154851436615},{"word":"yep","start":645.76996,"end":646.26996,"confidence":0.91430664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.131230890750885},{"word":"k","start":646.32996,"end":646.56995,"confidence":0.67626953,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.10905780643224716},{"word":"gotcha","start":646.56995,"end":647.06995,"confidence":0.99332684,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.16551171243190765},{"word":"yeah","start":666.22,"end":666.62,"confidence":0.8171387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0747714638710022},{"word":"right","start":666.62,"end":666.86,"confidence":0.5805664,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.07996145635843277},{"word":"yeah","start":666.86,"end":667.18,"confidence":0.92163086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0844559594988823},{"word":"yep","start":667.18,"end":667.5,"confidence":0.87231445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11561441421508788},{"word":"not","start":667.5,"end":667.74,"confidence":0.8354492,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1836992055177689},{"word":"a","start":667.74,"end":667.81995,"confidence":0.87158203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12176010012626648},{"word":"worry","start":667.81995,"end":668.22,"confidence":0.71191406,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.16385799646377563},{"word":"yeah","start":668.22,"end":668.72,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2900710701942444},{"word":"yes","start":678.06,"end":678.495,"confidence":0.7470703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09707693755626678},{"word":"correct","start":678.815,"end":679.315,"confidence":0.8757324,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.16411197185516355},{"word":"okay","start":702.83,"end":703.33,"confidence":0.892334,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06910648941993713},{"word":"yep","start":709.615,"end":710.115,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09362655133008956},{"word":"yeah","start":742.96497,"end":743.205,"confidence":0.6834717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05453675240278244},{"word":"it's","start":743.205,"end":743.365,"confidence":0.7072754,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06937327235937119},{"word":"not","start":743.365,"end":743.605,"confidence":0.68847656,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.008518412709236145},{"word":"yet","start":743.605,"end":744.105,"confidence":0.76123047,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.008529510349035263},{"word":"yep","start":753.5,"end":753.89996,"confidence":0.9621582,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08406420797109604},{"word":"yep","start":753.89996,"end":754.39996,"confidence":0.9309082,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08644285053014755},{"word":"k","start":755.1,"end":755.6,"confidence":0.79833984,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.2209833562374115},{"word":"mhmm","start":805.735,"end":806.235,"confidence":0.8782959,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.013398215174674988},{"word":"yes","start":806.295,"end":806.795,"confidence":0.8491211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11787520349025726},{"word":"yep","start":837.38,"end":837.88,"confidence":0.8376465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.31706684827804565},{"word":"happy","start":845.54,"end":845.77997,"confidence":0.7241211,"punctuated_word":"Happy","sentiment":"positive","sentiment_score":0.6090425252914429},{"word":"with","start":845.77997,"end":846.01996,"confidence":0.9951172,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5125346779823303},{"word":"that","start":846.01996,"end":846.51996,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.44570231437683105},{"word":"yeah","start":880.295,"end":880.795,"confidence":0.95166016,"punctuated_word":"Yeah.","sentiment":"negative","sentiment_score":-0.4188117384910583},{"word":"yeah","start":890.375,"end":890.535,"confidence":0.7044678,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2031193375587463},{"word":"that's","start":890.535,"end":890.77496,"confidence":0.8261719,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30741357803344727},{"word":"right","start":890.77496,"end":891.015,"confidence":0.96533203,"punctuated_word":"right.","sentiment":"positive","sentiment_score":0.43767017126083374},{"word":"it","start":891.015,"end":891.095,"confidence":0.5083008,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4626922011375427},{"word":"makes","start":891.095,"end":891.33496,"confidence":0.97314453,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.4375816881656647},{"word":"sense","start":891.33496,"end":891.575,"confidence":0.9946289,"punctuated_word":"sense.","sentiment":"positive","sentiment_score":0.4049455523490906},{"word":"i","start":891.575,"end":891.65497,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29635244607925415},{"word":"mean","start":891.65497,"end":892.15497,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.3265553116798401},{"word":"you","start":892.295,"end":892.45496,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32838594913482666},{"word":"just","start":892.45496,"end":892.615,"confidence":0.9199219,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3386860191822052},{"word":"gotta","start":892.615,"end":892.855,"confidence":0.90234375,"punctuated_word":"gotta","sentiment":"positive","sentiment_score":0.35536980628967285},{"word":"keep","start":892.855,"end":893.095,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3090645372867584},{"word":"following","start":893.095,"end":893.415,"confidence":0.9980469,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.25678521394729614},{"word":"them","start":893.415,"end":893.65497,"confidence":0.8322754,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.2570143938064575},{"word":"well","start":893.65497,"end":893.89496,"confidence":0.9265137,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.07613149285316467},{"word":"i","start":893.89496,"end":894.055,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04408622533082962},{"word":"mean","start":894.055,"end":894.295,"confidence":0.9875488,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07138152420520782},{"word":"it's","start":894.295,"end":894.45496,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02574276551604271},{"word":"hard","start":894.45496,"end":894.695,"confidence":0.77612305,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":0.00626877136528492},{"word":"but","start":894.695,"end":894.99,"confidence":0.9741211,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0046802908182144165},{"word":"it's","start":894.99,"end":895.23,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.00574035570025444},{"word":"easy","start":895.23,"end":895.47,"confidence":0.97802734,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":-0.010630935430526732},{"word":"for","start":895.47,"end":895.63,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.015829652547836304},{"word":"you","start":895.63,"end":895.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015733420848846436},{"word":"to","start":895.79,"end":895.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007105566561222076},{"word":"say","start":895.95,"end":896.11,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0053782351315021515},{"word":"that","start":896.11,"end":896.27,"confidence":0.939209,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.009711863473057749},{"word":"i","start":896.27,"end":896.43,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09065628051757812},{"word":"don't","start":896.43,"end":896.83,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0651821494102478},{"word":"i","start":896.83,"end":897.07,"confidence":0.94189453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08115752041339874},{"word":"don't","start":897.07,"end":897.31,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04696851968765259},{"word":"get","start":897.31,"end":897.43,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.02848311886191368},{"word":"a","start":897.43,"end":897.55,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0341186448931694},{"word":"lot","start":897.55,"end":897.79,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03738067299127579},{"word":"of","start":897.79,"end":897.87,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.052205294370651245},{"word":"what","start":897.87,"end":898.02997,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02878844365477562},{"word":"you","start":898.02997,"end":898.19,"confidence":0.80322266,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04431256651878357},{"word":"you","start":898.19,"end":898.47,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.044100116938352585},{"word":"know","start":898.47,"end":898.75,"confidence":0.9914551,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0391201376914978},{"word":"what","start":898.75,"end":898.99,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05822482705116272},{"word":"you","start":898.99,"end":899.14996,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03834013268351555},{"word":"fellas","start":899.14996,"end":899.55,"confidence":0.7788086,"punctuated_word":"fellas","sentiment":"neutral","sentiment_score":-0.036923669278621674},{"word":"do","start":899.55,"end":899.79,"confidence":0.7524414,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.07090417295694351},{"word":"but","start":899.79,"end":900.27,"confidence":0.8483887,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.011033859103918076},{"word":"i","start":900.27,"end":900.43,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012406323105096815},{"word":"mean","start":900.43,"end":900.91,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03769722953438759},{"word":"you","start":900.91,"end":901.14996,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035436034202575684},{"word":"you","start":901.14996,"end":901.31,"confidence":0.68359375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03692133352160454},{"word":"just","start":901.31,"end":901.47,"confidence":0.53564453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04354015737771988},{"word":"know","start":901.47,"end":901.63,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.030134759843349457},{"word":"where","start":901.63,"end":901.79,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02652473002672195},{"word":"you","start":901.79,"end":901.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027221759781241417},{"word":"are","start":901.95,"end":902.27,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02519070915877819},{"word":"sort","start":902.27,"end":902.43,"confidence":0.88720703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02967657521367073},{"word":"of","start":902.43,"end":902.51,"confidence":0.9633789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03644304350018501},{"word":"thing","start":902.51,"end":902.75,"confidence":0.8195801,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.023558923974633217},{"word":"so","start":902.75,"end":903.23,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03512967377901077},{"word":"you","start":903.23,"end":903.70996,"confidence":0.6274414,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09261186420917512},{"word":"virtually","start":903.87,"end":904.35,"confidence":0.95825195,"punctuated_word":"virtually,","sentiment":"neutral","sentiment_score":0.11732514947652815},{"word":"you're","start":904.35,"end":904.51,"confidence":0.98828125,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11951395869255066},{"word":"following","start":904.51,"end":904.91,"confidence":0.9970703,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.06965749710798264},{"word":"the","start":904.91,"end":904.99,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1425551176071167},{"word":"flow","start":904.99,"end":905.31,"confidence":0.9760742,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.16118404269218445},{"word":"the","start":905.31,"end":905.47,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1568242609500885},{"word":"same","start":905.47,"end":905.70996,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.14625705778598783},{"word":"as","start":905.70996,"end":905.87,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16239650547504425},{"word":"anyone","start":905.87,"end":906.27,"confidence":0.9770508,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.1624831259250641},{"word":"would","start":906.27,"end":906.43,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10440082848072052},{"word":"in","start":906.43,"end":906.58997,"confidence":0.5073242,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07710903882980347},{"word":"any","start":906.58997,"end":906.83,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08370852470397949},{"word":"business","start":906.83,"end":907.33,"confidence":0.9592285,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.046722330152988434},{"word":"but","start":907.88495,"end":908.38495,"confidence":0.8220215,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.01306050643324852},{"word":"yeah","start":909.005,"end":909.485,"confidence":0.85058594,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.028543313965201374},{"word":"like","start":909.485,"end":909.88495,"confidence":0.7122803,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0389794260263443},{"word":"i","start":909.88495,"end":910.125,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0694473385810852},{"word":"don't","start":910.125,"end":910.365,"confidence":0.9807129,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07717867940664291},{"word":"i","start":910.365,"end":910.44495,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0898205116391182},{"word":"don't","start":910.44495,"end":910.685,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06873683631420135},{"word":"see","start":910.685,"end":910.805,"confidence":0.9770508,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.050237320363521576},{"word":"a","start":910.805,"end":910.925,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08651552349328995},{"word":"lot","start":910.925,"end":911.165,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.07808836549520493},{"word":"of","start":911.165,"end":911.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10844577848911284},{"word":"that","start":911.245,"end":911.40497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11537594348192216},{"word":"because","start":911.40497,"end":911.64496,"confidence":0.9428711,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09189069271087646},{"word":"i","start":911.64496,"end":911.805,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12469793111085892},{"word":"don't","start":911.805,"end":911.96497,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08567406982183456},{"word":"follow","start":911.96497,"end":912.365,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":-0.08131177723407745},{"word":"the","start":912.365,"end":912.52496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1401544064283371},{"word":"the","start":912.52496,"end":912.685,"confidence":0.92333984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12217076867818832},{"word":"markets","start":912.685,"end":913.08496,"confidence":0.97998047,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.11898410320281982},{"word":"that","start":913.08496,"end":913.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1187235862016678},{"word":"much","start":913.245,"end":913.405,"confidence":0.81469727,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.11262577027082445},{"word":"you","start":913.405,"end":913.565,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09827267378568648},{"word":"know","start":913.565,"end":913.805,"confidence":0.97680664,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10602279007434844},{"word":"like","start":913.805,"end":914.305,"confidence":0.8635254,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1073237955570221},{"word":"anything","start":915.725,"end":916.20496,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0972004309296608},{"word":"like","start":916.20496,"end":916.44495,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0943264216184616},{"word":"that","start":916.44495,"end":916.605,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09003371000289917},{"word":"in","start":916.605,"end":916.76495,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09447553753852844},{"word":"in","start":916.76495,"end":917.005,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07563842087984085},{"word":"the","start":917.005,"end":917.08496,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.061030883342027664},{"word":"long","start":917.08496,"end":917.32495,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.046130239963531494},{"word":"run","start":917.32495,"end":917.565,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.0456906259059906},{"word":"virtually","start":917.565,"end":918.065,"confidence":0.9147949,"punctuated_word":"virtually.","sentiment":"neutral","sentiment_score":-0.06305639445781708},{"word":"so","start":918.125,"end":918.625,"confidence":0.7015381,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.02231321856379509},{"word":"i","start":918.76495,"end":918.845,"confidence":0.8432617,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02300858683884144},{"word":"mean","start":918.845,"end":919.08496,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.013948322273790836},{"word":"a","start":919.08496,"end":919.165,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01166858710348606},{"word":"lot","start":919.165,"end":919.32495,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.05872352421283722},{"word":"of","start":919.32495,"end":919.40497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.055220067501068115},{"word":"this","start":919.40497,"end":919.64496,"confidence":0.97998047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.059630539268255234},{"word":"stuff","start":919.64496,"end":919.88495,"confidence":0.99902344,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.06170060858130455},{"word":"is","start":919.88495,"end":919.96497,"confidence":0.9580078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07662273198366165},{"word":"in","start":919.96497,"end":920.125,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11368875205516817},{"word":"the","start":920.125,"end":920.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09202202409505844},{"word":"dark","start":920.285,"end":920.52496,"confidence":0.9970703,"punctuated_word":"dark","sentiment":"neutral","sentiment_score":-0.04644642770290375},{"word":"for","start":920.52496,"end":920.685,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0919640064239502},{"word":"me","start":920.685,"end":920.76495,"confidence":0.9812012,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.08322761207818985},{"word":"but","start":920.76495,"end":921.005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06238534301519394},{"word":"i'm","start":921.005,"end":921.32495,"confidence":0.814209,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05803528428077698},{"word":"i'm","start":921.32495,"end":921.565,"confidence":0.9758301,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.017718425020575523},{"word":"getting","start":921.565,"end":921.88495,"confidence":0.69091797,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.017644725739955902},{"word":"what","start":921.88495,"end":922.045,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.021814070641994476},{"word":"you're","start":922.045,"end":922.285,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02037825994193554},{"word":"saying","start":922.285,"end":922.785,"confidence":0.7001953,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":-0.01840856485068798},{"word":"and","start":923.74,"end":923.98,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14976608753204346},{"word":"it","start":923.98,"end":924.06,"confidence":0.68652344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2161265015602112},{"word":"and","start":924.06,"end":924.22,"confidence":0.92822266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13313567638397217},{"word":"it","start":924.22,"end":924.38,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15698696672916412},{"word":"all","start":924.38,"end":924.62,"confidence":0.9760742,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18456870317459104},{"word":"and","start":924.62,"end":924.86,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30208542943000793},{"word":"it","start":924.86,"end":924.94,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3471534848213196},{"word":"all","start":924.94,"end":925.1,"confidence":0.9941406,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3341631591320038},{"word":"makes","start":925.1,"end":925.42,"confidence":0.88427734,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2891469895839691},{"word":"sense","start":925.42,"end":925.66,"confidence":0.79296875,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.2522229254245758},{"word":"you","start":925.66,"end":925.81995,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07647762447595596},{"word":"know","start":925.81995,"end":926.13995,"confidence":0.9790039,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.08131812512874603},{"word":"so","start":926.13995,"end":926.63995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11035892367362976},{"word":"so","start":927.5,"end":927.81995,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.235379159450531},{"word":"that's","start":927.81995,"end":928.06,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.428875207901001},{"word":"good","start":928.06,"end":928.3,"confidence":0.8930664,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.45930564403533936},{"word":"but","start":928.3,"end":928.54,"confidence":0.98535156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.24251388013362885},{"word":"it'd","start":928.54,"end":928.62,"confidence":0.69628906,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.17984843254089355},{"word":"be","start":928.62,"end":928.77997,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1236584484577179},{"word":"i'm","start":928.86,"end":929.1,"confidence":0.96118164,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16039755940437317},{"word":"i'm","start":929.1,"end":929.5,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1663540005683899},{"word":"i'm","start":929.5,"end":929.66,"confidence":0.9790039,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20390856266021729},{"word":"happy","start":929.66,"end":930.06,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2814798355102539},{"word":"with","start":930.06,"end":930.56,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2637164890766144},{"word":"with","start":930.69995,"end":930.94,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2634604275226593},{"word":"the","start":930.94,"end":931.1,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28362882137298584},{"word":"way","start":931.1,"end":931.25995,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.35511067509651184},{"word":"we're","start":931.25995,"end":931.5,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3835197687149048},{"word":"going","start":931.5,"end":931.74,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2977215051651001},{"word":"and","start":931.74,"end":931.98,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2131475061178207},{"word":"and","start":931.98,"end":932.13995,"confidence":0.78027344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2162865698337555},{"word":"the","start":932.13995,"end":932.38,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20473667979240415},{"word":"direction","start":932.38,"end":932.77997,"confidence":1.0,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":0.30896151065826416},{"word":"we're","start":932.77997,"end":933.01996,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15743830800056458},{"word":"going","start":933.01996,"end":933.25995,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.22410848736763},{"word":"at","start":933.25995,"end":933.42,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16415366530418396},{"word":"the","start":933.42,"end":933.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1526697427034378},{"word":"moment","start":933.5,"end":933.89996,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.23995599150657657},{"word":"anyway","start":933.89996,"end":934.3,"confidence":0.72436523,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.18283957242965695},{"word":"so","start":934.3,"end":934.45996,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1168750301003456},{"word":"that's","start":934.45996,"end":934.94,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15052539110183716},{"word":"that's","start":934.94,"end":935.25995,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14241957664489746},{"word":"the","start":935.25995,"end":935.42,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12100052088499068},{"word":"main","start":935.42,"end":935.66,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1694587767124176},{"word":"thing","start":935.66,"end":936.16,"confidence":1.0,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.17679592967033386},{"word":"yes","start":958.91003,"end":959.41003,"confidence":0.7841797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.32039695978164673},{"word":"yep","start":963.435,"end":963.935,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20008091628551483},{"word":"yep","start":972.55505,"end":973.05505,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1419357806444168},{"word":"yep","start":985.31,"end":985.81,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11657662689685822},{"word":"yeah","start":988.51,"end":988.99005,"confidence":0.9519043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06520020961761475},{"word":"yep","start":988.99005,"end":989.445,"confidence":0.935791,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2388608157634735},{"word":"yep","start":997.525,"end":998.025,"confidence":0.9086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3330206871032715},{"word":"yep","start":999.445,"end":999.945,"confidence":0.79125977,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5286788940429688},{"word":"fantastic","start":1000.245,"end":1000.745,"confidence":0.6810303,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7680572271347046},{"word":"yep","start":1026.595,"end":1027.095,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.5329089760780334},{"word":"yep","start":1029.5549,"end":1029.93,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1570988893508911},{"word":"yep","start":1030.0901,"end":1030.41,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16755978763103485},{"word":"got","start":1030.41,"end":1030.91,"confidence":0.4790039,"punctuated_word":"Got","sentiment":"positive","sentiment_score":0.37386488914489746},{"word":"that","start":1040.9701,"end":1041.4701,"confidence":0.96069336,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1006450653076172},{"word":"yes","start":1055.1749,"end":1055.6749,"confidence":0.8996582,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11359427124261856},{"word":"yes","start":1071.49,"end":1071.89,"confidence":0.7770996,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09413360059261322},{"word":"yep","start":1071.89,"end":1072.39,"confidence":0.9379883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12197773158550262},{"word":"yep","start":1095.52,"end":1096.02,"confidence":0.9736328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04134972393512726},{"word":"sounds","start":1100.16,"end":1100.48,"confidence":0.7167969,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.4227309226989746},{"word":"good","start":1100.48,"end":1100.98,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.35099732875823975},{"word":"yeah","start":1112.315,"end":1112.635,"confidence":0.9663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27573341131210327},{"word":"that's","start":1112.635,"end":1112.955,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2964920103549957},{"word":"right","start":1112.955,"end":1113.275,"confidence":0.9946289,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2554590702056885},{"word":"exactly","start":1113.275,"end":1113.755,"confidence":0.9941406,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.16859528422355652},{"word":"you","start":1113.755,"end":1113.915,"confidence":0.94628906,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08577223867177963},{"word":"know","start":1113.915,"end":1114.075,"confidence":0.8432617,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1027463525533676},{"word":"i","start":1114.075,"end":1114.155,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06532314419746399},{"word":"mean","start":1114.155,"end":1114.655,"confidence":0.97558594,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.09449154138565063},{"word":"i","start":1114.875,"end":1115.035,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06416356563568115},{"word":"guess","start":1115.035,"end":1115.535,"confidence":0.87939453,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.0695180594921112},{"word":"like","start":1115.82,"end":1115.98,"confidence":0.9760742,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08306820690631866},{"word":"i","start":1115.98,"end":1116.0599,"confidence":0.6245117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05111042037606239},{"word":"said","start":1116.0599,"end":1116.5599,"confidence":0.6746826,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.07152184844017029},{"word":"i","start":1117.1,"end":1117.1399,"confidence":0.9506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02682448178529739},{"word":"when","start":1117.1799,"end":1117.4199,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.024370301514863968},{"word":"i","start":1117.4199,"end":1117.6599,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02222508564591408},{"word":"first","start":1117.6599,"end":1117.8999,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.014796182513237},{"word":"started","start":1117.8999,"end":1118.2999,"confidence":0.99902344,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.03923926502466202},{"word":"working","start":1118.2999,"end":1118.7,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.029826462268829346},{"word":"sort","start":1118.7,"end":1118.94,"confidence":0.9453125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03614181280136109},{"word":"of","start":1118.94,"end":1119.0199,"confidence":0.85546875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029302947223186493},{"word":"thing","start":1119.0199,"end":1119.5199,"confidence":0.97802734,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.03374575078487396},{"word":"i","start":1121.1,"end":1121.5,"confidence":0.93359375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029993519186973572},{"word":"i","start":1121.5,"end":1121.6599,"confidence":0.65527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021787278354167935},{"word":"do","start":1121.6599,"end":1121.74,"confidence":0.37768555,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03632960468530655},{"word":"had","start":1121.74,"end":1121.8999,"confidence":0.90722656,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.014959156513214111},{"word":"a","start":1121.8999,"end":1121.98,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030475500971078873},{"word":"lot","start":1121.98,"end":1122.14,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.025890473276376724},{"word":"of","start":1122.14,"end":1122.64,"confidence":0.8161621,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.04044234752655029},{"word":"how","start":1123.4199,"end":1123.6599,"confidence":0.96972656,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02789098024368286},{"word":"do","start":1123.6599,"end":1123.82,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01668824627995491},{"word":"you","start":1123.82,"end":1123.8999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04846442863345146},{"word":"say","start":1123.8999,"end":1124.3999,"confidence":0.97314453,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0360434427857399},{"word":"intermittent","start":1124.7,"end":1125.2,"confidence":0.9453125,"punctuated_word":"intermittent","sentiment":"neutral","sentiment_score":0.033826764672994614},{"word":"jobs","start":1125.26,"end":1125.76,"confidence":0.727417,"punctuated_word":"jobs,","sentiment":"neutral","sentiment_score":0.0029877349734306335},{"word":"and","start":1126.38,"end":1126.88,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013731386512517927},{"word":"i","start":1126.94,"end":1127.1,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022341500967741013},{"word":"had","start":1127.1,"end":1127.4199,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0027441903948783875},{"word":"two","start":1127.4199,"end":1127.58,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.0003269873559474945},{"word":"or","start":1127.58,"end":1127.74,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012149885296821594},{"word":"three","start":1127.74,"end":1128.0599,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.007162559777498245},{"word":"supers","start":1128.0599,"end":1128.46,"confidence":0.9707031,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.004681369289755821},{"word":"here","start":1128.46,"end":1128.7,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.028945527970790863},{"word":"and","start":1128.7,"end":1128.86,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.021426593884825703},{"word":"there","start":1128.86,"end":1129.26,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023077238351106644},{"word":"with","start":1129.26,"end":1129.4199,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.018317461013793945},{"word":"different","start":1129.4199,"end":1129.82,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.00585399754345417},{"word":"ones","start":1129.82,"end":1130.0599,"confidence":1.0,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.005112200975418091},{"word":"and","start":1130.0599,"end":1130.2999,"confidence":0.9589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0018374621868133545},{"word":"whatever","start":1130.2999,"end":1130.7999,"confidence":0.96875,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.007104756310582161},{"word":"but","start":1131.905,"end":1132.145,"confidence":0.97265625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0017230845987796783},{"word":"then","start":1132.145,"end":1132.3049,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.002178031951189041},{"word":"when","start":1132.3049,"end":1132.465,"confidence":0.9819336,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03456800803542137},{"word":"i","start":1132.465,"end":1132.545,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015279442071914673},{"word":"finally","start":1132.545,"end":1132.945,"confidence":1.0,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":-0.024823181331157684},{"word":"got","start":1132.945,"end":1133.345,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.012582406401634216},{"word":"a","start":1133.345,"end":1133.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02481825090944767},{"word":"a","start":1133.665,"end":1133.745,"confidence":0.7841797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006876537576317787},{"word":"permanent","start":1133.745,"end":1134.225,"confidence":1.0,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.0012614242732524872},{"word":"job","start":1134.225,"end":1134.725,"confidence":0.9914551,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.012299440801143646},{"word":"i","start":1136.465,"end":1136.705,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.029733844101428986},{"word":"started","start":1136.705,"end":1137.025,"confidence":0.99902344,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.042084578424692154},{"word":"to","start":1137.025,"end":1137.1849,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04370493441820145},{"word":"actually","start":1137.1849,"end":1137.505,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.031884390860795975},{"word":"put","start":1137.505,"end":1137.665,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.056306786835193634},{"word":"a","start":1137.665,"end":1137.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03819713369011879},{"word":"bit","start":1137.745,"end":1137.905,"confidence":0.96533203,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04752255603671074},{"word":"of","start":1137.905,"end":1137.985,"confidence":0.9316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04012718424201012},{"word":"because","start":1138.065,"end":1138.3049,"confidence":0.99316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02312525361776352},{"word":"the","start":1138.3049,"end":1138.385,"confidence":0.8125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04720720276236534},{"word":"old","start":1138.385,"end":1138.465,"confidence":0.99121094,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.08719922602176666},{"word":"man","start":1138.465,"end":1138.785,"confidence":0.99902344,"punctuated_word":"man","sentiment":"neutral","sentiment_score":-0.10490649938583374},{"word":"said","start":1138.785,"end":1138.945,"confidence":0.9970703,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.05366106703877449},{"word":"to","start":1138.945,"end":1139.025,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0613635815680027},{"word":"me","start":1139.025,"end":1139.265,"confidence":0.98217773,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.049995310604572296},{"word":"you","start":1139.265,"end":1139.345,"confidence":0.50390625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04669540002942085},{"word":"know","start":1139.345,"end":1139.425,"confidence":0.96655273,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04025796055793762},{"word":"you","start":1139.425,"end":1139.665,"confidence":0.51708984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04773323982954025},{"word":"have","start":1139.905,"end":1140.145,"confidence":0.85498047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.047804996371269226},{"word":"you","start":1140.145,"end":1140.3049,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05776171013712883},{"word":"looked","start":1140.3049,"end":1140.545,"confidence":0.9980469,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.0565202422440052},{"word":"at","start":1140.545,"end":1140.625,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09609523415565492},{"word":"super","start":1140.625,"end":1141.025,"confidence":0.79174805,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":-0.05239718407392502},{"word":"and","start":1141.025,"end":1141.105,"confidence":0.9838867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06227925047278404},{"word":"i","start":1141.105,"end":1141.265,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.060505401343107224},{"word":"said","start":1141.265,"end":1141.425,"confidence":0.93774414,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.06337635219097137},{"word":"well","start":1141.425,"end":1141.665,"confidence":0.98706055,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.09627987444400787},{"word":"no","start":1141.665,"end":1142.165,"confidence":0.9885254,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.17987191677093506},{"word":"you","start":1142.945,"end":1143.105,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.17097698152065277},{"word":"don't","start":1143.105,"end":1143.425,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13149577379226685},{"word":"do","start":1143.425,"end":1143.585,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11717864871025084},{"word":"that","start":1143.585,"end":1143.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0486614927649498},{"word":"when","start":1143.825,"end":1143.985,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05231819301843643},{"word":"you're","start":1143.985,"end":1144.225,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04006094112992287},{"word":"young","start":1144.225,"end":1144.465,"confidence":0.7866211,"punctuated_word":"young.","sentiment":"neutral","sentiment_score":-0.048051606863737106},{"word":"you","start":1144.465,"end":1144.545,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.033365584909915924},{"word":"know","start":1144.545,"end":1144.865,"confidence":0.8310547,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.020062584429979324},{"word":"like","start":1144.865,"end":1145.365,"confidence":0.77197266,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.016111839562654495},{"word":"and","start":1145.65,"end":1145.89,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01432286575436592},{"word":"he","start":1145.89,"end":1145.97,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.01687651500105858},{"word":"said","start":1145.97,"end":1146.21,"confidence":0.9707031,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.011699263006448746},{"word":"well","start":1146.21,"end":1146.61,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.01074218563735485},{"word":"you","start":1146.9299,"end":1147.09,"confidence":0.7001953,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0108344703912735},{"word":"know","start":1147.09,"end":1147.25,"confidence":0.7578125,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01154688373208046},{"word":"because","start":1147.25,"end":1147.49,"confidence":0.9863281,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.010226204991340635},{"word":"he","start":1147.49,"end":1147.8099,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.003909016028046608},{"word":"he","start":1147.8099,"end":1148.21,"confidence":0.8613281,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.007128488272428513},{"word":"used","start":1148.21,"end":1148.53,"confidence":0.9951172,"punctuated_word":"used","sentiment":"neutral","sentiment_score":-0.014879196882247925},{"word":"to","start":1148.53,"end":1148.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007374376058578491},{"word":"work","start":1148.61,"end":1148.85,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.010455146431922913},{"word":"for","start":1148.85,"end":1149.01,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02443980984389782},{"word":"the","start":1149.01,"end":1149.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015471942722797394},{"word":"the","start":1149.33,"end":1149.57,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01492035575211048},{"word":"hospital","start":1149.57,"end":1150.05,"confidence":0.7961426,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":-0.009157566353678703},{"word":"so","start":1150.05,"end":1150.29,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0018190965056419373},{"word":"he","start":1150.29,"end":1150.45,"confidence":0.96972656,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.001757703721523285},{"word":"was","start":1150.45,"end":1150.61,"confidence":0.9819336,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.012744257226586342},{"word":"in","start":1150.61,"end":1150.77,"confidence":0.96533203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.013640595600008965},{"word":"a","start":1150.77,"end":1150.85,"confidence":0.5761719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0018885843455791471},{"word":"government","start":1150.85,"end":1151.25,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.0029884912073612213},{"word":"setup","start":1151.25,"end":1151.75,"confidence":0.64038086,"punctuated_word":"setup.","sentiment":"neutral","sentiment_score":-0.004222791641950607},{"word":"and","start":1152.29,"end":1152.79,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03794843330979347},{"word":"they","start":1152.9299,"end":1153.09,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02728607878088951},{"word":"had","start":1153.09,"end":1153.33,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04034964740276337},{"word":"a","start":1153.33,"end":1153.41,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07791551947593689},{"word":"good","start":1153.41,"end":1153.65,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.0998036339879036},{"word":"system","start":1153.65,"end":1154.05,"confidence":0.99609375,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.1236713081598282},{"word":"sort","start":1154.05,"end":1154.21,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08813688158988953},{"word":"of","start":1154.21,"end":1154.29,"confidence":0.8881836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12392720580101012},{"word":"thing","start":1154.29,"end":1154.37,"confidence":0.8371582,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.17158500850200653},{"word":"and","start":1154.37,"end":1154.61,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13124871253967285},{"word":"he","start":1154.61,"end":1154.69,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1111295521259308},{"word":"said","start":1154.69,"end":1154.85,"confidence":0.9921875,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.029348885640501976},{"word":"well","start":1154.85,"end":1155.01,"confidence":0.99316406,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.04872279241681099},{"word":"you","start":1155.01,"end":1155.17,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03190189599990845},{"word":"should","start":1155.17,"end":1155.41,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07359296083450317},{"word":"start","start":1155.41,"end":1155.65,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.031713664531707764},{"word":"looking","start":1155.65,"end":1155.97,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0555122047662735},{"word":"at","start":1155.97,"end":1156.13,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.038171760737895966},{"word":"it","start":1156.13,"end":1156.29,"confidence":0.9824219,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07581125199794769},{"word":"he","start":1156.29,"end":1156.45,"confidence":0.9941406,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.0428868904709816},{"word":"said","start":1156.45,"end":1156.9299,"confidence":0.9980469,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.0015861336141824722},{"word":"you","start":1156.9299,"end":1157.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013770692050457},{"word":"know","start":1157.01,"end":1157.33,"confidence":0.9890137,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03057410940527916},{"word":"you","start":1157.33,"end":1157.41,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040197767317295074},{"word":"don't","start":1157.41,"end":1157.65,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0378468818962574},{"word":"have","start":1157.65,"end":1157.89,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.051108092069625854},{"word":"to","start":1157.89,"end":1158.05,"confidence":0.96606445,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.08874043077230453},{"word":"but","start":1158.05,"end":1158.21,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0913924127817154},{"word":"you","start":1158.21,"end":1158.37,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1722038984298706},{"word":"should","start":1158.37,"end":1158.61,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1845119148492813},{"word":"start","start":1158.61,"end":1158.85,"confidence":0.9560547,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.1803205907344818},{"word":"putting","start":1158.85,"end":1159.09,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.21248535811901093},{"word":"something","start":1159.09,"end":1159.41,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.1618891805410385},{"word":"away","start":1159.41,"end":1159.65,"confidence":0.9655762,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.11430054157972336},{"word":"so","start":1159.65,"end":1159.89,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.001900188624858856},{"word":"i","start":1159.89,"end":1159.97,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010332167148590088},{"word":"did","start":1159.97,"end":1160.47,"confidence":0.7614746,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.0050149839371442795},{"word":"and","start":1160.8849,"end":1161.0449,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.007856905460357666},{"word":"i","start":1161.0449,"end":1161.2849,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03709414601325989},{"word":"did","start":1161.2849,"end":1161.5249,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02572045475244522},{"word":"that","start":1161.5249,"end":1161.6849,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007005177438259125},{"word":"for","start":1161.6849,"end":1161.9249,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04480889439582825},{"word":"about","start":1161.9249,"end":1162.245,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.038762856274843216},{"word":"five","start":1162.245,"end":1162.485,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.0349246971309185},{"word":"years","start":1162.485,"end":1162.725,"confidence":0.94555664,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.02089182287454605},{"word":"and","start":1162.725,"end":1162.965,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02081092819571495},{"word":"then","start":1162.965,"end":1163.125,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01102423295378685},{"word":"i","start":1163.125,"end":1163.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0525578036904335},{"word":"just","start":1163.205,"end":1163.445,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0681724101305008},{"word":"stopped","start":1163.445,"end":1163.7649,"confidence":0.99902344,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.08657206594944},{"word":"because","start":1163.7649,"end":1164.2649,"confidence":0.89990234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10537678003311156},{"word":"a","start":1164.325,"end":1164.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07860493659973145},{"word":"couple","start":1164.485,"end":1164.725,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.08940165489912033},{"word":"of","start":1164.725,"end":1164.8849,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0800354927778244},{"word":"things","start":1164.8849,"end":1165.205,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.11382721364498138},{"word":"changed","start":1165.205,"end":1165.705,"confidence":0.725708,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":-0.08963118493556976},{"word":"and","start":1165.7649,"end":1166.2649,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0396227166056633},{"word":"and","start":1166.6449,"end":1167.1449,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021418549120426175},{"word":"my","start":1167.9249,"end":1168.1649,"confidence":0.77246094,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.056257978081703186},{"word":"direction","start":1168.1649,"end":1168.6649,"confidence":1.0,"punctuated_word":"direction","sentiment":"neutral","sentiment_score":-0.05536021292209625},{"word":"changed","start":1168.725,"end":1169.205,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.035242363810539246},{"word":"and","start":1169.205,"end":1169.365,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0283629447221756},{"word":"everything","start":1169.365,"end":1169.7649,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.033186137676239014},{"word":"else","start":1169.7649,"end":1170.0049,"confidence":0.9284668,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.03543210029602051},{"word":"and","start":1170.0049,"end":1170.5049,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.045171696692705154},{"word":"and","start":1170.8049,"end":1171.3049,"confidence":0.8273926,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.05187685415148735},{"word":"yeah","start":1172.245,"end":1172.725,"confidence":0.9758301,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07379118353128433},{"word":"some","start":1172.725,"end":1172.965,"confidence":0.41015625,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.10863760113716124},{"word":"for","start":1173.0449,"end":1173.205,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.13593265414237976},{"word":"some","start":1173.205,"end":1173.445,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1465301662683487},{"word":"reason","start":1173.445,"end":1173.7649,"confidence":0.95581055,"punctuated_word":"reason,","sentiment":"neutral","sentiment_score":-0.1435426026582718},{"word":"it","start":1173.7649,"end":1173.845,"confidence":0.8676758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17012770473957062},{"word":"was","start":1173.845,"end":1174.0049,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15202495455741882},{"word":"just","start":1174.0049,"end":1174.245,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1586379110813141},{"word":"sort","start":1174.245,"end":1174.4049,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17669856548309326},{"word":"of","start":1174.4049,"end":1174.485,"confidence":0.8510742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15590660274028778},{"word":"left","start":1174.485,"end":1174.725,"confidence":1.0,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.22294634580612183},{"word":"behind","start":1174.725,"end":1175.225,"confidence":0.9904785,"punctuated_word":"behind.","sentiment":"neutral","sentiment_score":-0.15589489042758942},{"word":"eventually","start":1176.91,"end":1177.39,"confidence":0.97216797,"punctuated_word":"Eventually,","sentiment":"neutral","sentiment_score":-0.07977916300296783},{"word":"when","start":1177.39,"end":1177.63,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.10582676529884338},{"word":"i","start":1177.63,"end":1177.7101,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0904310941696167},{"word":"got","start":1177.7101,"end":1177.9501,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10262909531593324},{"word":"back","start":1177.9501,"end":1178.1901,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11330466717481612},{"word":"into","start":1178.1901,"end":1178.6901,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06606801599264145},{"word":"into","start":1179.55,"end":1179.87,"confidence":0.94970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.04568827524781227},{"word":"this","start":1179.87,"end":1180.1101,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04020710662007332},{"word":"job","start":1180.1101,"end":1180.6101,"confidence":0.9875488,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.025367656722664833},{"word":"virtually","start":1181.4701,"end":1181.9501,"confidence":0.92211914,"punctuated_word":"virtually,","sentiment":"neutral","sentiment_score":-0.011801689863204956},{"word":"i","start":1181.9501,"end":1182.03,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.023055709898471832},{"word":"started","start":1182.03,"end":1182.43,"confidence":0.99902344,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.04877161234617233},{"word":"pulling","start":1182.43,"end":1182.75,"confidence":0.99902344,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":-0.056415557861328125},{"word":"everything","start":1182.75,"end":1183.15,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.04540126770734787},{"word":"together","start":1183.15,"end":1183.4701,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":-0.05005205422639847},{"word":"again","start":1183.4701,"end":1183.79,"confidence":0.90234375,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.028391128405928612},{"word":"and","start":1183.79,"end":1184.29,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03394104912877083},{"word":"it","start":1184.43,"end":1184.67,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027678988873958588},{"word":"still","start":1184.67,"end":1184.99,"confidence":0.98291016,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0661638081073761},{"word":"wasn't","start":1184.99,"end":1185.49,"confidence":0.90315753,"punctuated_word":"wasn't,","sentiment":"neutral","sentiment_score":-0.07824744284152985},{"word":"you","start":1185.87,"end":1186.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06089748069643974},{"word":"know","start":1186.03,"end":1186.27,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1005975902080536},{"word":"for","start":1186.27,"end":1186.43,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.119596466422081},{"word":"a","start":1186.43,"end":1186.5901,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0939582660794258},{"word":"little","start":1186.5901,"end":1186.8301,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06831934303045273},{"word":"while","start":1186.8301,"end":1187.0701,"confidence":0.9758301,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":-0.07976588606834412},{"word":"probably","start":1187.0701,"end":1187.4701,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09698471426963806},{"word":"five","start":1187.4701,"end":1187.7101,"confidence":0.98535156,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.1071520894765854},{"word":"or","start":1187.7101,"end":1187.87,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06932929158210754},{"word":"ten","start":1187.87,"end":1188.1101,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.08655886352062225},{"word":"years","start":1188.1101,"end":1188.6101,"confidence":0.80200195,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.08657470345497131},{"word":"that","start":1188.845,"end":1189.005,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05474211648106575},{"word":"i","start":1189.005,"end":1189.165,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07185722142457962},{"word":"didn't","start":1189.165,"end":1189.405,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.07731015235185623},{"word":"actually","start":1189.405,"end":1189.805,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0590425543487072},{"word":"start","start":1189.805,"end":1190.125,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.1487148255109787},{"word":"putting","start":1190.125,"end":1190.4451,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.18243244290351868},{"word":"anything","start":1190.4451,"end":1190.765,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.17711350321769714},{"word":"myself","start":1190.765,"end":1191.165,"confidence":0.9941406,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.22307685017585752},{"word":"or","start":1191.165,"end":1191.405,"confidence":0.6713867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2328490912914276},{"word":"into","start":1191.405,"end":1191.805,"confidence":0.6303711,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.26635098457336426},{"word":"super","start":1191.805,"end":1192.125,"confidence":0.7890625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.167254239320755},{"word":"at","start":1192.125,"end":1192.285,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2091786116361618},{"word":"all","start":1192.285,"end":1192.785,"confidence":0.9970703,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.0994213968515396},{"word":"but","start":1194.365,"end":1194.605,"confidence":0.78515625,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.055517010390758514},{"word":"anyway","start":1194.605,"end":1194.925,"confidence":0.9951172,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":-0.057888463139534},{"word":"i","start":1194.925,"end":1195.005,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04906311631202698},{"word":"mean","start":1195.005,"end":1195.165,"confidence":0.99121094,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.05607324466109276},{"word":"eventually","start":1195.165,"end":1195.5651,"confidence":0.9355469,"punctuated_word":"eventually,","sentiment":"neutral","sentiment_score":-0.08371008932590485},{"word":"like","start":1195.5651,"end":1195.725,"confidence":0.54797363,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05213778093457222},{"word":"we're","start":1195.725,"end":1195.885,"confidence":0.9421387,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04368510842323303},{"word":"getting","start":1195.885,"end":1196.205,"confidence":0.9951172,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.0775219202041626},{"word":"to","start":1196.205,"end":1196.365,"confidence":0.7373047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.057318612933158875},{"word":"this","start":1196.365,"end":1196.525,"confidence":0.7451172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.008522376418113708},{"word":"point","start":1196.525,"end":1196.765,"confidence":0.8967285,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.024021994322538376},{"word":"it","start":1196.765,"end":1196.925,"confidence":0.8540039,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04243038594722748},{"word":"should","start":1196.925,"end":1197.085,"confidence":0.9980469,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.09491811692714693},{"word":"i","start":1197.245,"end":1197.3251,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14015129208564758},{"word":"should","start":1197.3251,"end":1197.485,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.06050294637680054},{"word":"have","start":1197.485,"end":1197.645,"confidence":0.6503906,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.016966640949249268},{"word":"been","start":1197.645,"end":1197.885,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04513163864612579},{"word":"a","start":1197.885,"end":1197.965,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09466400742530824},{"word":"lot","start":1197.965,"end":1198.125,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1402435600757599},{"word":"better","start":1198.125,"end":1198.365,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1274578720331192},{"word":"off","start":1198.365,"end":1198.525,"confidence":0.97875977,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.06525024771690369},{"word":"obviously","start":1198.525,"end":1199.005,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.01205252856016159},{"word":"which","start":1199.005,"end":1199.245,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.008914336562156677},{"word":"we","start":1199.245,"end":1199.405,"confidence":0.9770508,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0091564878821373},{"word":"all","start":1199.405,"end":1199.645,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.001421816647052765},{"word":"say","start":1199.645,"end":1199.885,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.008172065019607544},{"word":"that","start":1199.885,"end":1200.125,"confidence":0.90405273,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.013288259506225586},{"word":"but","start":1200.125,"end":1200.625,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00940493494272232},{"word":"it's","start":1200.685,"end":1200.925,"confidence":0.98657227,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.004636300262063742},{"word":"just","start":1200.925,"end":1201.165,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004613183438777924},{"word":"one","start":1201.165,"end":1201.3251,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.02845575660467148},{"word":"of","start":1201.3251,"end":1201.405,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.045565541833639145},{"word":"those","start":1201.405,"end":1201.645,"confidence":0.97509766,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.053158365190029144},{"word":"things","start":1201.645,"end":1201.885,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07018408924341202},{"word":"that","start":1201.885,"end":1202.125,"confidence":0.87841797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050992757081985474},{"word":"life","start":1202.125,"end":1202.365,"confidence":0.98828125,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.040601491928100586},{"word":"is","start":1202.365,"end":1202.605,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07189478725194931},{"word":"what","start":1202.605,"end":1202.765,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06266818195581436},{"word":"it","start":1202.765,"end":1202.925,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09437030553817748},{"word":"is","start":1202.925,"end":1203.085,"confidence":0.7531738,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.027298275381326675},{"word":"and","start":1203.085,"end":1203.45,"confidence":0.83569336,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.025440583005547523},{"word":"you","start":1203.85,"end":1203.9299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010614857077598572},{"word":"know","start":1203.9299,"end":1204.01,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.009360525757074356},{"word":"but","start":1204.09,"end":1204.25,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04576896503567696},{"word":"i","start":1204.25,"end":1204.4099,"confidence":0.53222656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05534878745675087},{"word":"mean","start":1204.4099,"end":1204.6499,"confidence":0.9765625,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.042172133922576904},{"word":"i","start":1204.6499,"end":1204.73,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07432243227958679},{"word":"i'm","start":1204.97,"end":1205.2899,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04602200910449028},{"word":"i'm","start":1205.2899,"end":1205.45,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08244343101978302},{"word":"not","start":1205.45,"end":1205.61,"confidence":0.96777344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2582119107246399},{"word":"gonna","start":1205.61,"end":1205.85,"confidence":0.96240234,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.29163557291030884},{"word":"be","start":1205.85,"end":1205.9299,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3646159768104553},{"word":"unhappy","start":1205.9299,"end":1206.33,"confidence":0.9980469,"punctuated_word":"unhappy","sentiment":"negative","sentiment_score":-0.445839524269104},{"word":"with","start":1206.33,"end":1206.57,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.27262210845947266},{"word":"what","start":1206.57,"end":1206.8099,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19834965467453003},{"word":"what","start":1206.8099,"end":1206.97,"confidence":0.98828125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20129509270191193},{"word":"we're","start":1206.97,"end":1207.21,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07418674975633621},{"word":"working","start":1207.21,"end":1207.5299,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.02303791046142578},{"word":"towards","start":1207.5299,"end":1207.9299,"confidence":0.907959,"punctuated_word":"towards.","sentiment":"neutral","sentiment_score":-0.052549827843904495},{"word":"so","start":1207.9299,"end":1208.4299,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1195891797542572},{"word":"yeah","start":1209.46,"end":1209.96,"confidence":0.97387695,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.19969579577445984},{"word":"yes","start":1222.065,"end":1222.565,"confidence":0.8195801,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.23997998237609863},{"word":"yes","start":1222.625,"end":1223.125,"confidence":0.9108887,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2195210307836533},{"word":"yeah","start":1239.51,"end":1239.75,"confidence":0.9157715,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14072132110595703},{"word":"cool","start":1239.75,"end":1240.25,"confidence":0.94555664,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.30723121762275696},{"word":"that's","start":1240.39,"end":1240.71,"confidence":0.95947266,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1537671983242035},{"word":"all","start":1240.71,"end":1241.21,"confidence":0.98217773,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.1254093497991562},{"word":"yep","start":1247.205,"end":1247.705,"confidence":0.7327881,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11210277676582336},{"word":"yeah","start":1263.84,"end":1264.24,"confidence":0.7614746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13366517424583435},{"word":"yeah","start":1264.24,"end":1264.48,"confidence":0.91967773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11525602638721466},{"word":"that's","start":1264.48,"end":1264.72,"confidence":0.98095703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1833818405866623},{"word":"right","start":1264.72,"end":1264.9601,"confidence":0.7907715,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.18154533207416537},{"word":"yeah","start":1264.9601,"end":1265.4601,"confidence":0.87890625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2348197251558304},{"word":"that's","start":1267.12,"end":1267.4401,"confidence":0.6635742,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11851470917463304},{"word":"why","start":1267.4401,"end":1267.56,"confidence":0.30419922,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.0803239643573761},{"word":"i","start":1267.56,"end":1267.68,"confidence":0.6982422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14254263043403623},{"word":"take","start":1267.68,"end":1268.0,"confidence":0.68066406,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10879993438720705},{"word":"a","start":1268.0,"end":1268.0801,"confidence":0.7104492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08295004069805145},{"word":"take","start":1268.0801,"end":1268.3201,"confidence":0.96533203,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08632133156061172},{"word":"a","start":1268.3201,"end":1268.4,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03145353123545647},{"word":"bit","start":1268.4,"end":1268.56,"confidence":0.9892578,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02331984043121338},{"word":"of","start":1268.56,"end":1268.72,"confidence":0.9550781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03116901218891144},{"word":"money","start":1268.72,"end":1269.22,"confidence":0.6052246,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.0151275135576725},{"word":"yeah","start":1271.28,"end":1271.78,"confidence":0.7314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009429488331079485},{"word":"yep","start":1275.6,"end":1276.035,"confidence":0.9296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016311002895236015},{"word":"yes","start":1303.7899,"end":1304.2899,"confidence":0.91967773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0872466117143631},{"word":"yep","start":1328.46,"end":1328.86,"confidence":0.7097168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1829753965139389},{"word":"yeah","start":1328.86,"end":1329.1,"confidence":0.7976074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08297128975391388},{"word":"yeah","start":1329.1,"end":1329.26,"confidence":0.814209,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06561852991580963},{"word":"yeah","start":1329.26,"end":1329.5,"confidence":0.8215332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050356004387140274},{"word":"yeah","start":1329.5,"end":1329.9,"confidence":0.8195801,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031606826931238174},{"word":"no","start":1329.9,"end":1330.06,"confidence":0.65270996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0185488760471344},{"word":"that's","start":1330.06,"end":1330.38,"confidence":0.98657227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03956250846385956},{"word":"fine","start":1330.38,"end":1330.725,"confidence":0.6612549,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0947616845369339},{"word":"yep","start":1342.8049,"end":1343.125,"confidence":0.7741699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0893881544470787},{"word":"yeah","start":1343.125,"end":1343.285,"confidence":0.88623047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05582786351442337},{"word":"yeah","start":1343.285,"end":1343.605,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01514096651226282},{"word":"no","start":1343.605,"end":1343.765,"confidence":0.66015625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08668531477451324},{"word":"that's","start":1343.765,"end":1344.085,"confidence":0.78808594,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.024332627654075623},{"word":"right","start":1344.085,"end":1344.405,"confidence":0.6340332,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.05742973834276199},{"word":"yeah","start":1344.405,"end":1344.905,"confidence":0.81103516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08821352571249008},{"word":"yeah","start":1398.3949,"end":1398.715,"confidence":0.78515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04478216916322708},{"word":"gotcha","start":1398.715,"end":1399.215,"confidence":0.8544922,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.017779245972633362},{"word":"yeah","start":1401.07,"end":1401.57,"confidence":0.90405273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05062045156955719},{"word":"right","start":1401.63,"end":1401.87,"confidence":0.48876953,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.09232453256845474},{"word":"yeah","start":1401.87,"end":1402.37,"confidence":0.9147949,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11941636353731155},{"word":"yep","start":1402.4299,"end":1402.9299,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2618992030620575},{"word":"yep","start":1404.03,"end":1404.53,"confidence":0.95947266,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.38673385977745056},{"word":"mhmm","start":1430.2999,"end":1430.7999,"confidence":0.96777344,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07425322383642197},{"word":"yep","start":1430.86,"end":1431.36,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15526999533176422},{"word":"yep","start":1450.7251,"end":1451.125,"confidence":0.84887695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12199269980192184},{"word":"yep","start":1451.125,"end":1451.4451,"confidence":0.9597168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16012386977672577},{"word":"not","start":1451.4451,"end":1451.685,"confidence":0.96533203,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4539172947406769},{"word":"a","start":1451.685,"end":1451.765,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40123265981674194},{"word":"problem","start":1451.765,"end":1452.18,"confidence":0.9914551,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.4927559494972229},{"word":"yep","start":1463.2201,"end":1463.7201,"confidence":0.97680664,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.35364145040512085},{"word":"yep","start":1493.04,"end":1493.355,"confidence":0.80126953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13240331411361694},{"word":"mhmm","start":1520.2001,"end":1520.7001,"confidence":0.81292725,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.047908514738082886},{"word":"yes","start":1530.545,"end":1530.785,"confidence":0.6088867,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.010035037994384766},{"word":"ma'am","start":1530.785,"end":1531.285,"confidence":0.9440918,"punctuated_word":"ma'am.","sentiment":"neutral","sentiment_score":-0.04373146593570709},{"word":"yep","start":1546.71,"end":1547.19,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00843090657144785},{"word":"yep","start":1547.19,"end":1547.69,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.00014640577137470243},{"word":"yeah","start":1552.71,"end":1552.95,"confidence":0.94750977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15349996089935303},{"word":"yeah","start":1552.95,"end":1553.0299,"confidence":0.8232422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14088232815265656},{"word":"yeah","start":1553.0299,"end":1553.19,"confidence":0.88183594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13849982619285583},{"word":"yeah","start":1553.19,"end":1553.69,"confidence":0.8791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1447243690490723},{"word":"mhmm","start":1577.2101,"end":1577.7101,"confidence":0.9715576,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1097649186849594},{"word":"mhmm","start":1628.05,"end":1628.55,"confidence":0.94177246,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13525350391864777},{"word":"right","start":1639.045,"end":1639.545,"confidence":0.7895508,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.09189192950725555},{"word":"yeah","start":1640.165,"end":1640.405,"confidence":0.8840332,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08758708834648132},{"word":"yeah","start":1640.405,"end":1640.645,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09684272110462187},{"word":"yeah","start":1640.645,"end":1640.885,"confidence":0.9597168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10566255450248718},{"word":"yep","start":1640.885,"end":1641.385,"confidence":0.8696289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1189294010400772},{"word":"yep","start":1641.845,"end":1642.345,"confidence":0.8413086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00831984169781208},{"word":"no","start":1645.765,"end":1645.925,"confidence":0.69799805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2559708058834076},{"word":"no","start":1645.925,"end":1646.085,"confidence":0.9802246,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2711549997329712},{"word":"that's","start":1646.085,"end":1646.325,"confidence":0.9951172,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.19761556386947632},{"word":"the","start":1646.325,"end":1646.485,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15109765529632568},{"word":"way","start":1646.485,"end":1646.645,"confidence":0.9941406,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.134687602519989},{"word":"it","start":1646.645,"end":1646.8049,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03192038834095001},{"word":"is","start":1646.8049,"end":1646.965,"confidence":0.982666,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.001539379358291626},{"word":"it's","start":1646.965,"end":1647.33,"confidence":0.9609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23685580492019653},{"word":"it","start":1647.89,"end":1648.13,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28655216097831726},{"word":"it","start":1648.13,"end":1648.2899,"confidence":0.9589844,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37402811646461487},{"word":"all","start":1648.2899,"end":1648.5299,"confidence":0.9863281,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.37951257824897766},{"word":"looks","start":1648.5299,"end":1648.61,"confidence":0.9863281,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.2609825134277344},{"word":"good","start":1648.61,"end":1648.9299,"confidence":0.69189453,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2465711534023285},{"word":"like","start":1648.9299,"end":1649.1699,"confidence":0.842041,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.061364248394966125},{"word":"you","start":1649.1699,"end":1649.33,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026175513863563538},{"word":"know","start":1649.33,"end":1649.83,"confidence":0.73254395,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04754069447517395},{"word":"i","start":1649.89,"end":1650.0499,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08066318929195404},{"word":"mean","start":1650.0499,"end":1650.21,"confidence":0.9367676,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.06938353180885315},{"word":"if","start":1650.21,"end":1650.37,"confidence":0.39575195,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06975416094064713},{"word":"it's","start":1650.37,"end":1650.45,"confidence":0.7609863,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05227872356772423},{"word":"as","start":1650.61,"end":1650.85,"confidence":0.52441406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1460805386304855},{"word":"i","start":1650.85,"end":1650.9299,"confidence":0.8540039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1362873017787933},{"word":"said","start":1650.9299,"end":1651.1699,"confidence":0.9580078,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1065945103764534},{"word":"i","start":1651.1699,"end":1651.33,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.246874138712883},{"word":"don't","start":1651.33,"end":1651.57,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2506498694419861},{"word":"know","start":1651.57,"end":1651.89,"confidence":0.99121094,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3520561158657074},{"word":"i","start":1652.0499,"end":1652.21,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4427989721298218},{"word":"don't","start":1652.21,"end":1652.61,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4077247381210327},{"word":"understand","start":1652.61,"end":1652.9299,"confidence":1.0,"punctuated_word":"understand","sentiment":"negative","sentiment_score":-0.4244842231273651},{"word":"the","start":1652.9299,"end":1653.1699,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3365801274776459},{"word":"full","start":1653.1699,"end":1653.4099,"confidence":0.9838867,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.21416814625263217},{"word":"workings","start":1653.4099,"end":1653.8099,"confidence":0.99902344,"punctuated_word":"workings","sentiment":"neutral","sentiment_score":-0.27975770831108093},{"word":"and","start":1653.8099,"end":1653.97,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25439202785491943},{"word":"how","start":1653.97,"end":1654.13,"confidence":0.96533203,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.2613016664981842},{"word":"the","start":1654.13,"end":1654.2899,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2283634841442108},{"word":"taxes","start":1654.2899,"end":1654.69,"confidence":0.9970703,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":-0.16545256972312927},{"word":"work","start":1654.69,"end":1654.85,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.16730517148971558},{"word":"and","start":1654.85,"end":1655.09,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2442462146282196},{"word":"everything","start":1655.09,"end":1655.4099,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.17084139585494995},{"word":"else","start":1655.4099,"end":1655.6499,"confidence":0.9316406,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.21266235411167145},{"word":"but","start":1655.6499,"end":1655.97,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2442270964384079},{"word":"that's","start":1655.97,"end":1656.21,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3642393052577973},{"word":"your","start":1656.21,"end":1656.45,"confidence":0.9941406,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5297244787216187},{"word":"guys'","start":1656.45,"end":1656.7699,"confidence":0.7770996,"punctuated_word":"guys'","sentiment":"negative","sentiment_score":-0.5250649452209473},{"word":"problem","start":1656.7699,"end":1657.2699,"confidence":0.88549805,"punctuated_word":"problem.","sentiment":"negative","sentiment_score":-0.3835525512695313},{"word":"you","start":1658.69,"end":1658.85,"confidence":0.90234375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2324485182762146},{"word":"know","start":1658.85,"end":1659.25,"confidence":0.95458984,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.16595065593719482},{"word":"and","start":1659.25,"end":1659.75,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13681697845458984},{"word":"and","start":1659.89,"end":1660.0499,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08012856543064117},{"word":"and","start":1660.0499,"end":1660.2899,"confidence":0.95410156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12127385288476944},{"word":"that's","start":1660.2899,"end":1660.45,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.15554536879062653},{"word":"what","start":1660.45,"end":1660.69,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.20529966056346893},{"word":"you're","start":1660.69,"end":1660.85,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.19685232639312744},{"word":"getting","start":1660.85,"end":1661.1699,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.2679852247238159},{"word":"paid","start":1661.1699,"end":1661.4099,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.2212831825017929},{"word":"for","start":1661.4099,"end":1661.6499,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.19428282976150513},{"word":"sort","start":1661.6499,"end":1661.89,"confidence":0.81591797,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.16009727120399475},{"word":"of","start":1661.89,"end":1661.97,"confidence":0.94970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1398122012615204},{"word":"thing","start":1661.97,"end":1662.21,"confidence":0.8647461,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.09437797963619232},{"word":"so","start":1662.21,"end":1662.645,"confidence":0.9572754,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.04535195976495743},{"word":"you","start":1663.045,"end":1663.125,"confidence":0.94628906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06501781940460205},{"word":"know","start":1663.125,"end":1663.285,"confidence":0.7363281,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03836484998464584},{"word":"but","start":1663.285,"end":1663.605,"confidence":0.98291016,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.21280384063720703},{"word":"i","start":1663.605,"end":1663.685,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.36185261607170105},{"word":"trust","start":1663.685,"end":1664.005,"confidence":0.94628906,"punctuated_word":"trust","sentiment":"positive","sentiment_score":0.35866445302963257},{"word":"you","start":1664.005,"end":1664.165,"confidence":0.8105469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4522835612297058},{"word":"because","start":1664.165,"end":1664.485,"confidence":0.77197266,"punctuated_word":"because,","sentiment":"positive","sentiment_score":0.33740055561065674},{"word":"i","start":1664.485,"end":1664.645,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3474564850330353},{"word":"mean","start":1664.645,"end":1665.125,"confidence":0.9970703,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.3818262815475464},{"word":"you","start":1665.125,"end":1665.2051,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3890863358974457},{"word":"know","start":1665.2051,"end":1665.4451,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3732529282569885},{"word":"i'm","start":1665.4451,"end":1665.845,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4438864588737488},{"word":"i'm","start":1665.845,"end":1666.165,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4812121391296386},{"word":"i'm","start":1666.165,"end":1666.2451,"confidence":0.9880371,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.45084989070892334},{"word":"a","start":1666.2451,"end":1666.3251,"confidence":0.5996094,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4251242876052856},{"word":"hell","start":1666.3251,"end":1666.4451,"confidence":0.9970703,"punctuated_word":"hell","sentiment":"positive","sentiment_score":0.41363775730133057},{"word":"of","start":1666.4451,"end":1666.5651,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4756385385990143},{"word":"a","start":1666.5651,"end":1666.725,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43976736068725586},{"word":"lot","start":1666.725,"end":1667.125,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.29217541217803955},{"word":"further","start":1667.125,"end":1667.4451,"confidence":0.99316406,"punctuated_word":"further","sentiment":"positive","sentiment_score":0.369717538356781},{"word":"ahead","start":1667.4451,"end":1667.685,"confidence":0.9980469,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.3061249554157257},{"word":"than","start":1667.685,"end":1667.925,"confidence":0.9970703,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.34506770968437195},{"word":"what","start":1667.925,"end":1668.005,"confidence":0.9951172,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4136434495449066},{"word":"i","start":1668.005,"end":1668.165,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3047259747982025},{"word":"was","start":1668.165,"end":1668.405,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.28217875957489014},{"word":"before","start":1668.405,"end":1668.805,"confidence":0.89208984,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.2111591994762421},{"word":"so","start":1668.805,"end":1669.305,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3656700551509857},{"word":"i'm","start":1669.765,"end":1669.925,"confidence":0.99194336,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7102142572402954},{"word":"i'm","start":1669.925,"end":1670.425,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7472173571586609},{"word":"i'm","start":1670.965,"end":1671.2051,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4942522644996643},{"word":"laughing","start":1671.2051,"end":1671.605,"confidence":0.8688965,"punctuated_word":"laughing.","sentiment":"neutral","sentiment_score":0.29512637853622437},{"word":"you","start":1671.605,"end":1671.765,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1300308108329773},{"word":"know","start":1671.765,"end":1672.005,"confidence":0.9838867,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.16959980130195618},{"word":"so","start":1672.005,"end":1672.505,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.173153355717659},{"word":"yeah","start":1687.93,"end":1688.01,"confidence":0.79248047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0731232613325119},{"word":"yep","start":1688.01,"end":1688.41,"confidence":0.7414551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06766362488269806},{"word":"yep","start":1688.41,"end":1688.91,"confidence":0.89331055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04977100342512131},{"word":"yeah","start":1705.25,"end":1705.75,"confidence":0.7541504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0060369353741407394},{"word":"yeah","start":1706.0499,"end":1706.37,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04019864648580551},{"word":"well","start":1706.37,"end":1706.5299,"confidence":0.9682617,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.035024940967559814},{"word":"i","start":1706.5299,"end":1706.69,"confidence":0.63916016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02483583614230156},{"word":"thought","start":1706.69,"end":1706.9299,"confidence":0.5888672,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.006651490926742554},{"word":"once","start":1707.0099,"end":1707.33,"confidence":0.99609375,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.031663842499256134},{"word":"i","start":1707.33,"end":1707.4099,"confidence":0.8886719,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005235068500041962},{"word":"once","start":1707.4099,"end":1707.6499,"confidence":0.95410156,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.01186361163854599},{"word":"i","start":1707.6499,"end":1707.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05461360514163971},{"word":"get","start":1707.73,"end":1707.97,"confidence":0.875,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.049011725932359695},{"word":"settled","start":1707.97,"end":1708.2899,"confidence":0.9941406,"punctuated_word":"settled","sentiment":"neutral","sentiment_score":0.06279873847961426},{"word":"down","start":1708.2899,"end":1708.5299,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05015480890870094},{"word":"again","start":1708.5299,"end":1709.0299,"confidence":0.9082031,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.06886053085327148},{"word":"yeah","start":1710.5299,"end":1710.7699,"confidence":0.75634766,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10403859615325928},{"word":"i'll","start":1710.7699,"end":1711.2699,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11474521458148956},{"word":"i'll","start":1711.4099,"end":1711.57,"confidence":0.93310547,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12868580222129822},{"word":"send","start":1711.57,"end":1711.8099,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.11997105181217194},{"word":"you","start":1711.8099,"end":1712.0499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1218283623456955},{"word":"the","start":1712.0499,"end":1712.5499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09877169877290726},{"word":"the","start":1713.0099,"end":1713.1699,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09304838627576828},{"word":"latest","start":1713.1699,"end":1713.585,"confidence":0.9921875,"punctuated_word":"latest","sentiment":"neutral","sentiment_score":0.05867059528827667},{"word":"payslips","start":1714.065,"end":1714.5449,"confidence":0.92838544,"punctuated_word":"payslips","sentiment":"neutral","sentiment_score":0.06398281455039978},{"word":"or","start":1714.5449,"end":1714.705,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10188092291355132},{"word":"whatever","start":1714.705,"end":1715.1849,"confidence":0.8183594,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.07449910044670105},{"word":"and","start":1715.1849,"end":1715.4249,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08466602861881256},{"word":"then","start":1715.4249,"end":1715.6649,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08568866550922394},{"word":"come","start":1715.6649,"end":1715.985,"confidence":0.99121094,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.10348145663738252},{"word":"hopefully","start":1716.5449,"end":1717.0449,"confidence":0.93847656,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.08203866332769394},{"word":"come","start":1717.265,"end":1717.765,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08966172486543655},{"word":"next","start":1717.9049,"end":1718.3049,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06911827623844147},{"word":"year","start":1718.3049,"end":1718.8049,"confidence":0.9663086,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0799044668674469},{"word":"july","start":1719.825,"end":1720.325,"confidence":0.8088379,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.09343481063842772},{"word":"i'm","start":1721.585,"end":1722.085,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08137674629688263},{"word":"hoping","start":1722.145,"end":1722.625,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.08335408568382263},{"word":"that","start":1722.625,"end":1722.865,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07763802260160446},{"word":"i'll","start":1722.865,"end":1723.1849,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08315905928611755},{"word":"i'll","start":1723.1849,"end":1723.265,"confidence":0.9914551,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0794406533241272},{"word":"get","start":1723.265,"end":1723.505,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.082426056265831},{"word":"another","start":1723.505,"end":1723.9049,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.04216715693473816},{"word":"raise","start":1723.9049,"end":1724.3049,"confidence":0.9760742,"punctuated_word":"raise","sentiment":"neutral","sentiment_score":0.06812183558940887},{"word":"anyway","start":1724.3049,"end":1724.7849,"confidence":0.935791,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.09426471590995789},{"word":"so","start":1724.7849,"end":1725.2849,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3103591203689575},{"word":"i'll","start":1726.57,"end":1726.73,"confidence":0.953125,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.26255661249160767},{"word":"put","start":1726.73,"end":1726.97,"confidence":0.9902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.27204790711402893},{"word":"in","start":1726.97,"end":1727.1299,"confidence":0.8388672,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2486950606107712},{"word":"for","start":1727.1299,"end":1727.2899,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2385667860507965},{"word":"a","start":1727.2899,"end":1727.37,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18476253747940063},{"word":"wage","start":1727.37,"end":1727.61,"confidence":0.7661133,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":0.12621358036994934},{"word":"review","start":1727.61,"end":1728.09,"confidence":0.9819336,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.14446517825126648},{"word":"and","start":1728.09,"end":1728.4099,"confidence":0.8925781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10704907774925232},{"word":"and","start":1728.4099,"end":1728.6499,"confidence":0.65625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09890341758728027},{"word":"whatever","start":1728.6499,"end":1729.0499,"confidence":0.90722656,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.1147082969546318},{"word":"it's","start":1729.0499,"end":1729.21,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.01465945690870285},{"word":"taken","start":1729.21,"end":1729.69,"confidence":0.98828125,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.03968261927366257},{"word":"two","start":1729.69,"end":1729.9299,"confidence":0.97265625,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.003260090947151184},{"word":"bloody","start":1729.9299,"end":1730.25,"confidence":0.9892578,"punctuated_word":"bloody","sentiment":"neutral","sentiment_score":-0.04428411275148392},{"word":"years","start":1730.25,"end":1730.57,"confidence":0.9055176,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.00264880433678627},{"word":"but","start":1730.57,"end":1730.73,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.006822012364864349},{"word":"anyway","start":1730.73,"end":1731.23,"confidence":0.62402344,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.01851584203541279},{"word":"yeah","start":1733.2899,"end":1733.5299,"confidence":0.8449707,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.025786608457565308},{"word":"we've","start":1733.5299,"end":1733.85,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.00472576916217804},{"word":"had","start":1733.85,"end":1733.9299,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.036446526646614075},{"word":"a","start":1733.9299,"end":1734.0099,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.034299854189157486},{"word":"lot","start":1734.0099,"end":1734.1699,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.04745227098464966},{"word":"of","start":1734.1699,"end":1734.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0258052796125412},{"word":"stuff","start":1734.25,"end":1734.49,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.03208894282579422},{"word":"going","start":1734.49,"end":1734.73,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.015691429376602173},{"word":"on","start":1734.73,"end":1734.8899,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.022397592663764954},{"word":"with","start":1734.8899,"end":1735.0499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.003627918660640717},{"word":"council","start":1735.0499,"end":1735.37,"confidence":0.83813477,"punctuated_word":"council.","sentiment":"neutral","sentiment_score":0.003175288438796997},{"word":"but","start":1735.37,"end":1735.61,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.032970428466796875},{"word":"anyway","start":1735.61,"end":1735.85,"confidence":0.9091797,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.04810537025332451},{"word":"yeah","start":1736.49,"end":1736.8099,"confidence":0.96728516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06018245965242386},{"word":"so","start":1736.8099,"end":1737.0499,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08414724469184875},{"word":"hopefully","start":1737.0499,"end":1737.5499,"confidence":0.82373047,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.1104929968714714},{"word":"like","start":1737.875,"end":1738.115,"confidence":0.9050293,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12766963243484497},{"word":"i'm","start":1738.115,"end":1738.275,"confidence":0.9616699,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1312980204820633},{"word":"in","start":1738.275,"end":1738.5951,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14092159271240234},{"word":"the","start":1738.5951,"end":1738.755,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14903143048286438},{"word":"i'm","start":1738.755,"end":1738.915,"confidence":0.9885254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12051649391651154},{"word":"in","start":1738.915,"end":1739.155,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1373768448829651},{"word":"the","start":1739.155,"end":1739.4751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15980182588100433},{"word":"wings","start":1739.4751,"end":1739.795,"confidence":0.98828125,"punctuated_word":"wings","sentiment":"neutral","sentiment_score":0.20348602533340457},{"word":"for","start":1739.795,"end":1740.1951,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16772255301475525},{"word":"another","start":1740.1951,"end":1740.515,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.11293089389801024},{"word":"pay","start":1740.515,"end":1740.755,"confidence":0.8588867,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06741838902235031},{"word":"rise","start":1740.755,"end":1741.0751,"confidence":0.75097656,"punctuated_word":"rise","sentiment":"neutral","sentiment_score":0.16044974327087402},{"word":"anyway","start":1741.0751,"end":1741.555,"confidence":0.7199707,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.14536550641059875},{"word":"so","start":1741.555,"end":1742.035,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10844147950410844},{"word":"that'll","start":1742.035,"end":1742.3551,"confidence":0.9824219,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.09860213845968246},{"word":"go","start":1742.3551,"end":1742.515,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13706086575984955},{"word":"up","start":1742.515,"end":1742.675,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12746213376522064},{"word":"again","start":1742.675,"end":1743.175,"confidence":0.91674805,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.11726924031972884},{"word":"fingers","start":1743.555,"end":1743.9551,"confidence":1.0,"punctuated_word":"Fingers","sentiment":"neutral","sentiment_score":0.11326213926076888},{"word":"crossed","start":1743.9551,"end":1744.275,"confidence":0.9848633,"punctuated_word":"crossed.","sentiment":"neutral","sentiment_score":0.12536902725696564},{"word":"so","start":1744.275,"end":1744.775,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14958801865577698},{"word":"yep","start":1747.9551,"end":1748.4551,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13645502924919128},{"word":"yep","start":1758.88,"end":1759.36,"confidence":0.9453125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1115352138876915},{"word":"okay","start":1759.36,"end":1759.86,"confidence":0.9848633,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00033417902886867523},{"word":"thank","start":1768.315,"end":1768.635,"confidence":0.76660156,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3490007519721985},{"word":"you","start":1768.635,"end":1769.135,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4044906198978424},{"word":"yes","start":1778.075,"end":1778.575,"confidence":0.9663086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2288534790277481},{"word":"yes","start":1783.8601,"end":1784.3601,"confidence":0.78808594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20460788905620575},{"word":"yep","start":1784.5,"end":1785.0,"confidence":0.89208984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2230035364627838},{"word":"yes","start":1792.42,"end":1792.5,"confidence":0.8911133,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14785802364349365},{"word":"yes","start":1792.5,"end":1792.8201,"confidence":0.8564453,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19630420207977295},{"word":"gotcha","start":1792.8201,"end":1793.3201,"confidence":0.9479167,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.22131292521953583},{"word":"yes","start":1807.065,"end":1807.565,"confidence":0.8515625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.089333675801754},{"word":"oh","start":1813.5,"end":1813.74,"confidence":0.6904297,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04363919049501419},{"word":"okay","start":1813.74,"end":1814.24,"confidence":0.9165039,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03060348890721798},{"word":"i","start":1815.1,"end":1815.4199,"confidence":0.5732422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0639202743768692},{"word":"thought","start":1815.4199,"end":1815.74,"confidence":0.9199219,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.09138518571853638},{"word":"that","start":1815.74,"end":1815.8999,"confidence":0.41186523,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1009260192513466},{"word":"i","start":1815.8999,"end":1816.0599,"confidence":0.7294922,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1467389166355133},{"word":"thought","start":1816.0599,"end":1816.2999,"confidence":0.99609375,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.13650843501091003},{"word":"it","start":1816.2999,"end":1816.3799,"confidence":0.48999023,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13505342602729797},{"word":"might","start":1816.3799,"end":1816.7,"confidence":0.99609375,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.16333569586277008},{"word":"be","start":1816.7,"end":1816.86,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13892106711864471},{"word":"a","start":1816.86,"end":1816.8999,"confidence":0.4230957,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14315466582775116},{"word":"like","start":1816.94,"end":1817.1799,"confidence":0.8286133,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10371049493551254},{"word":"a","start":1817.1799,"end":1817.2599,"confidence":0.5527344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11943157762289049},{"word":"one","start":1817.2599,"end":1817.5,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.15004505217075348},{"word":"off","start":1817.5,"end":1817.6599,"confidence":0.9226074,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.1511898934841156},{"word":"once","start":1817.6599,"end":1817.8999,"confidence":0.9941406,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":-0.1783042550086975},{"word":"you","start":1817.8999,"end":1818.0599,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1772368550300598},{"word":"do","start":1818.0599,"end":1818.22,"confidence":0.9819336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1933867633342743},{"word":"it","start":1818.22,"end":1818.2999,"confidence":0.8388672,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.20356397330760956},{"word":"that","start":1818.2999,"end":1818.46,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2305072695016861},{"word":"shit","start":1818.46,"end":1818.7,"confidence":0.5024414,"punctuated_word":"shit,","sentiment":"neutral","sentiment_score":-0.20956449210643768},{"word":"you","start":1818.7,"end":1818.7799,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1994320452213287},{"word":"can't","start":1818.7799,"end":1819.1,"confidence":0.98876953,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1871323436498642},{"word":"go","start":1819.1,"end":1819.2599,"confidence":0.52490234,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.17010881006717682},{"word":"back","start":1819.2599,"end":1819.7599,"confidence":0.97387695,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.13731789588928223},{"word":"yep","start":1823.865,"end":1824.365,"confidence":0.74853516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09418188780546188},{"word":"yes","start":1831.5825,"end":1832.0825,"confidence":0.9099121,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1266813576221466},{"word":"yep","start":1845.14,"end":1845.64,"confidence":0.9609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15582320094108582},{"word":"yep","start":1848.9801,"end":1849.4801,"confidence":0.91259766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18301883339881897},{"word":"yes","start":1864.405,"end":1864.905,"confidence":0.904541,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08952068537473679},{"word":"working","start":1868.9,"end":1869.4,"confidence":0.31079102,"punctuated_word":"Working","sentiment":"neutral","sentiment_score":0.1341181844472885},{"word":"very","start":1869.4601,"end":1869.7001,"confidence":0.27001953,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5727528929710388},{"word":"well","start":1869.7001,"end":1869.9401,"confidence":0.7722168,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4277285933494568},{"word":"yeah","start":1869.9401,"end":1870.18,"confidence":0.8208008,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1590350866317749},{"word":"yep","start":1870.18,"end":1870.68,"confidence":0.6838379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12133823335170746},{"word":"i","start":1870.74,"end":1870.9,"confidence":0.46923828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02444417774677277},{"word":"thought","start":1870.9,"end":1871.14,"confidence":0.5136719,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.0035050958395004272},{"word":"that's","start":1871.14,"end":1871.38,"confidence":0.8288574,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.005677973385900259},{"word":"it","start":1871.38,"end":1871.88,"confidence":0.83691406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.018366321921348572},{"word":"yes","start":1873.06,"end":1873.56,"confidence":0.8120117,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12703566253185272},{"word":"oh","start":1884.455,"end":1884.7749,"confidence":0.8251953,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.17292004823684692},{"word":"okay","start":1884.7749,"end":1885.1749,"confidence":0.9838867,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17755180597305298},{"word":"right","start":1885.1749,"end":1885.4149,"confidence":0.5839844,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.1465059518814087},{"word":"here","start":1885.4149,"end":1885.9149,"confidence":0.75390625,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.10640615969896317},{"word":"yeah","start":1886.5349,"end":1886.855,"confidence":0.9375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05213163048028946},{"word":"no","start":1886.855,"end":1887.015,"confidence":0.6179199,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0111951045691967},{"word":"excellent","start":1887.015,"end":1887.515,"confidence":0.6522217,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.1931234449148178},{"word":"good","start":1889.575,"end":1890.075,"confidence":0.8635254,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.45418310165405273},{"word":"yep","start":1912.5549,"end":1913.0549,"confidence":0.79418945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07341676950454712},{"word":"yep","start":1923.01,"end":1923.41,"confidence":0.7113037,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05968226119875908},{"word":"yep","start":1923.41,"end":1923.89,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02698732540011406},{"word":"okay","start":1923.89,"end":1924.39,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04236350953578949},{"word":"yeah","start":1925.01,"end":1925.25,"confidence":0.97143555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10676242411136629},{"word":"sounds","start":1925.25,"end":1925.65,"confidence":0.75439453,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":0.2781246304512024},{"word":"good","start":1925.65,"end":1925.97,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.22689855098724365},{"word":"yeah","start":1925.97,"end":1926.47,"confidence":0.7973633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1378197818994522},{"word":"oh","start":1945.2151,"end":1945.6151,"confidence":0.7531738,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02051888033747673},{"word":"i","start":1945.6151,"end":1945.775,"confidence":0.6489258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05806421488523483},{"word":"don't","start":1945.775,"end":1946.015,"confidence":0.9182129,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05805879086256027},{"word":"know","start":1946.015,"end":1946.0951,"confidence":0.9760742,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08814350515604019},{"word":"about","start":1946.0951,"end":1946.3351,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1086387187242508},{"word":"the","start":1946.3351,"end":1946.415,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0642101988196373},{"word":"fun","start":1946.415,"end":1946.655,"confidence":0.72314453,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":-0.03887582942843437},{"word":"bit","start":1946.655,"end":1946.7351,"confidence":0.94677734,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.04604172706604004},{"word":"but","start":1946.7351,"end":1947.2351,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05088631063699722},{"word":"it's","start":1947.8201,"end":1947.98,"confidence":0.9797363,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0504845455288887},{"word":"been","start":1947.98,"end":1948.14,"confidence":0.5600586,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.05756713077425957},{"word":"it's","start":1948.14,"end":1948.54,"confidence":0.99194336,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07185839861631393},{"word":"been","start":1948.54,"end":1948.7001,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0874764621257782},{"word":"a","start":1948.7001,"end":1948.78,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08413020521402359},{"word":"bit","start":1948.78,"end":1948.9401,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07798770815134048},{"word":"of","start":1948.9401,"end":1949.1,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0917435809969902},{"word":"a","start":1949.1,"end":1949.26,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08554936945438385},{"word":"yeah","start":1949.5,"end":1949.74,"confidence":0.8469238,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0708482414484024},{"word":"it's","start":1949.74,"end":1949.9,"confidence":0.99560547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07427036762237549},{"word":"been","start":1949.9,"end":1950.14,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08734975755214691},{"word":"a","start":1950.14,"end":1950.2201,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0689983069896698},{"word":"haul","start":1950.2201,"end":1950.7201,"confidence":0.75390625,"punctuated_word":"haul,","sentiment":"neutral","sentiment_score":-0.049992844462394714},{"word":"but","start":1951.26,"end":1951.5,"confidence":0.9790039,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.032527856528759},{"word":"you","start":1951.5,"end":1951.66,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.046032194048166275},{"word":"know","start":1951.66,"end":1951.8201,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05918039008975029},{"word":"like","start":1951.8201,"end":1951.98,"confidence":0.9345703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0570015087723732},{"word":"i'm","start":1951.98,"end":1952.3,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05786355584859848},{"word":"just","start":1952.3,"end":1952.7001,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10755254328250884},{"word":"i'm","start":1952.7001,"end":1952.9401,"confidence":0.99316406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1738475263118744},{"word":"just","start":1952.9401,"end":1953.06,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16822946071624756},{"word":"i","start":1953.18,"end":1953.42,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24484097957611084},{"word":"just","start":1953.42,"end":1953.66,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.23896192014217377},{"word":"don't","start":1953.66,"end":1953.8201,"confidence":0.9951172,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2901897728443146},{"word":"want","start":1953.8201,"end":1953.98,"confidence":0.9658203,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.35119399428367615},{"word":"it","start":1953.98,"end":1954.14,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2749817371368408},{"word":"to","start":1954.14,"end":1954.64,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23979023098945615},{"word":"i","start":1954.86,"end":1955.02,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22448426485061648},{"word":"just","start":1955.02,"end":1955.26,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2249462902545929},{"word":"didn't","start":1955.26,"end":1955.5,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2536294162273407},{"word":"want","start":1955.5,"end":1955.74,"confidence":0.9863281,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.3060086965560913},{"word":"it","start":1955.74,"end":1955.8201,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23974083364009857},{"word":"to","start":1955.8201,"end":1955.9,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21356084942817688},{"word":"sort","start":1955.9,"end":1956.2201,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.28032881021499634},{"word":"of","start":1956.2201,"end":1956.3,"confidence":0.6660156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24579516053199768},{"word":"go","start":1956.3,"end":1956.4601,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.27158498764038086},{"word":"on","start":1956.4601,"end":1956.62,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2832508683204651},{"word":"too","start":1956.62,"end":1956.78,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2886672019958496},{"word":"much","start":1956.78,"end":1957.02,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2463836669921875},{"word":"longer","start":1957.02,"end":1957.42,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"negative","sentiment_score":-0.35004547238349915},{"word":"sort","start":1957.42,"end":1957.66,"confidence":0.95947266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.26171913743019104},{"word":"of","start":1957.66,"end":1957.8201,"confidence":0.9116211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32957687973976135},{"word":"thing","start":1957.8201,"end":1957.98,"confidence":0.93115234,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.2370295822620392},{"word":"and","start":1957.98,"end":1958.3,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08634765446186066},{"word":"and","start":1958.3,"end":1958.4601,"confidence":0.7453613,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.05108208209276199},{"word":"i","start":1958.4601,"end":1958.54,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02962694689631462},{"word":"mean","start":1958.54,"end":1958.86,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.024152107536792755},{"word":"everyone","start":1958.86,"end":1959.36,"confidence":0.8886719,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.16421398520469666},{"word":"everyone","start":1959.5801,"end":1960.06,"confidence":0.9941406,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.22246937453746796},{"word":"was","start":1960.06,"end":1960.3,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.26006534695625305},{"word":"okay","start":1960.3,"end":1960.7001,"confidence":0.99902344,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.3020835220813751},{"word":"with","start":1960.7001,"end":1960.995,"confidence":0.9970703,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3539278507232666},{"word":"with","start":1960.995,"end":1961.235,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.38150152564048767},{"word":"it","start":1961.235,"end":1961.355,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2636352479457855},{"word":"at","start":1961.355,"end":1961.475,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.30811041593551636},{"word":"work","start":1961.475,"end":1961.795,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2278432846069336},{"word":"and","start":1961.795,"end":1962.035,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32050621509552},{"word":"everything","start":1962.035,"end":1962.355,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.28001755475997925},{"word":"else","start":1962.355,"end":1962.675,"confidence":0.7895508,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.2253241240978241},{"word":"and","start":1962.675,"end":1962.755,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08522406220436096},{"word":"and","start":1962.755,"end":1963.255,"confidence":0.9675293,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.03926334530115128},{"word":"you","start":1964.035,"end":1964.275,"confidence":0.9394531,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04187650233507157},{"word":"know","start":1964.275,"end":1964.355,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04146113246679306},{"word":"i","start":1964.355,"end":1964.4349,"confidence":0.4350586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06891325116157532},{"word":"said","start":1964.4349,"end":1964.675,"confidence":0.9614258,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.05305204167962074},{"word":"the","start":1964.675,"end":1964.835,"confidence":0.86035156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0900479257106781},{"word":"doctor's","start":1964.835,"end":1965.235,"confidence":0.8730469,"punctuated_word":"doctor's","sentiment":"neutral","sentiment_score":0.06185714527964592},{"word":"on","start":1965.235,"end":1965.395,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06772111356258392},{"word":"my","start":1965.395,"end":1965.555,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06682717055082321},{"word":"side","start":1965.555,"end":1965.795,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.05465560406446457},{"word":"anyway","start":1965.795,"end":1966.275,"confidence":0.677124,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.053328417241573334},{"word":"so","start":1966.275,"end":1966.775,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09988893568515778},{"word":"that's","start":1967.155,"end":1967.475,"confidence":0.99072266,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2549407482147217},{"word":"a","start":1967.475,"end":1967.555,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3289226293563843},{"word":"that's","start":1967.555,"end":1967.795,"confidence":0.99194336,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.40174922347068787},{"word":"a","start":1967.795,"end":1967.955,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4180102050304413},{"word":"good","start":1967.955,"end":1968.195,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4546237587928772},{"word":"thing","start":1968.195,"end":1968.355,"confidence":0.7578125,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.37180450558662415},{"word":"but","start":1968.355,"end":1968.515,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06483288109302521},{"word":"i","start":1968.515,"end":1968.595,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1862726658582687},{"word":"didn't","start":1968.595,"end":1968.915,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.13394156098365784},{"word":"have","start":1968.915,"end":1969.075,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17457939684391022},{"word":"any","start":1969.075,"end":1969.575,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2357730120420456},{"word":"i","start":1969.795,"end":1969.955,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27964550256729126},{"word":"haven't","start":1969.955,"end":1970.275,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.22478045523166656},{"word":"heard","start":1970.275,"end":1970.515,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.2437832802534103},{"word":"anything","start":1970.515,"end":1970.915,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.29300686717033386},{"word":"from","start":1970.915,"end":1971.155,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.27937692403793335},{"word":"the","start":1971.155,"end":1971.235,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26759013533592224},{"word":"caseworkers","start":1971.235,"end":1971.735,"confidence":0.90445966,"punctuated_word":"caseworkers","sentiment":"neutral","sentiment_score":-0.17720359563827515},{"word":"or","start":1971.955,"end":1972.035,"confidence":0.8535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2320118546485901},{"word":"any","start":1972.035,"end":1972.195,"confidence":0.8701172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.21313068270683289},{"word":"but","start":1972.275,"end":1972.4751,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.241048663854599},{"word":"it","start":1972.4751,"end":1972.675,"confidence":0.54833984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3085205852985382},{"word":"it","start":1972.675,"end":1972.755,"confidence":0.48388672,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2900204360485077},{"word":"really","start":1972.835,"end":1973.155,"confidence":0.93530273,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.30733224749565125},{"word":"it's","start":1973.155,"end":1973.475,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3121333718299866},{"word":"it's","start":1973.475,"end":1973.955,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.32680338621139526},{"word":"past","start":1973.955,"end":1974.275,"confidence":0.9536133,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.30708855390548706},{"word":"that","start":1974.275,"end":1974.515,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3031298816204071},{"word":"point","start":1974.515,"end":1974.835,"confidence":0.9597168,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.22378137707710263},{"word":"so","start":1974.835,"end":1975.29,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07961864024400711},{"word":"and","start":1976.49,"end":1976.73,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08724991977214813},{"word":"i","start":1976.73,"end":1976.81,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06530265510082245},{"word":"think","start":1976.81,"end":1977.05,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06233014538884163},{"word":"in","start":1977.05,"end":1977.2101,"confidence":0.9658203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05267497897148132},{"word":"the","start":1977.2101,"end":1977.37,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007423087954521179},{"word":"long","start":1977.37,"end":1977.61,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.04267625510692597},{"word":"run","start":1977.61,"end":1977.8501,"confidence":0.84033203,"punctuated_word":"run,","sentiment":"neutral","sentiment_score":0.02853609248995781},{"word":"virtually","start":1977.8501,"end":1978.3501,"confidence":0.98950195,"punctuated_word":"virtually,","sentiment":"neutral","sentiment_score":-0.009508702903985975},{"word":"it's","start":1978.5701,"end":1979.0701,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.013890093192458153},{"word":"it's","start":1979.2101,"end":1979.61,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009548403322696686},{"word":"me","start":1979.61,"end":1979.93,"confidence":0.96191406,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.01026180386543274},{"word":"like","start":1979.93,"end":1980.43,"confidence":0.99072266,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.005653470754623413},{"word":"i'm","start":1980.65,"end":1980.81,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.028233563527464867},{"word":"the","start":1980.81,"end":1980.9701,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0019445568323135376},{"word":"one","start":1980.9701,"end":1981.13,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.029430106282234192},{"word":"that","start":1981.13,"end":1981.29,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015087701380252838},{"word":"says","start":1981.29,"end":1981.53,"confidence":0.98339844,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":0.019901147112250328},{"word":"well","start":1981.53,"end":1981.6901,"confidence":0.9902344,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.0006172396242618561},{"word":"i","start":1981.6901,"end":1981.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003704629838466644},{"word":"wanna","start":1981.77,"end":1982.01,"confidence":0.8510742,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0000669434666633606},{"word":"do","start":1982.01,"end":1982.17,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0068840160965919495},{"word":"this","start":1982.17,"end":1982.3301,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02468919008970261},{"word":"or","start":1982.3301,"end":1982.49,"confidence":0.7573242,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.043768443167209625},{"word":"no","start":1982.49,"end":1982.73,"confidence":0.6816406,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.04742823541164398},{"word":"i","start":1982.73,"end":1982.81,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00597960501909256},{"word":"wanna","start":1982.81,"end":1983.13,"confidence":0.8886719,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.012553777545690536},{"word":"extend","start":1983.13,"end":1983.53,"confidence":0.99609375,"punctuated_word":"extend","sentiment":"neutral","sentiment_score":0.029405895620584488},{"word":"it","start":1983.53,"end":1983.6901,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.028904806822538376},{"word":"or","start":1983.6901,"end":1983.77,"confidence":0.984375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.005552180111408234},{"word":"whatever","start":1983.77,"end":1984.17,"confidence":0.97314453,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":-0.01594126597046852},{"word":"that's","start":1984.17,"end":1984.49,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.022647783160209656},{"word":"i","start":1984.73,"end":1984.89,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020304787904024124},{"word":"think","start":1984.89,"end":1985.13,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.017553772777318954},{"word":"that's","start":1985.13,"end":1985.37,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10888917744159698},{"word":"the","start":1985.37,"end":1985.53,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13083337247371674},{"word":"whole","start":1985.53,"end":1985.6901,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.16360601782798767},{"word":"point","start":1985.6901,"end":1986.0901,"confidence":0.7553711,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.15576909482479095},{"word":"it","start":1986.0901,"end":1986.25,"confidence":0.9091797,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.23066191375255585},{"word":"it","start":1986.25,"end":1986.41,"confidence":0.64746094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2638699412345886},{"word":"should","start":1986.41,"end":1986.5701,"confidence":0.9038086,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3313465416431427},{"word":"be","start":1986.5701,"end":1986.73,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32963788509368896},{"word":"up","start":1986.73,"end":1986.89,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2914372384548187},{"word":"to","start":1986.89,"end":1986.9701,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33173027634620667},{"word":"me","start":1986.9701,"end":1987.29,"confidence":0.9067383,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.2781089246273041},{"word":"so","start":1987.29,"end":1987.4501,"confidence":0.97802734,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4419174790382385},{"word":"and","start":1988.115,"end":1988.355,"confidence":0.91015625,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5192688703536987},{"word":"i'm","start":1988.355,"end":1988.595,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6010189652442932},{"word":"happy","start":1988.595,"end":1989.095,"confidence":0.904541,"punctuated_word":"happy.","sentiment":"positive","sentiment_score":0.557965874671936},{"word":"so","start":1989.315,"end":1989.815,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4379806518554687},{"word":"i","start":1991.475,"end":1991.635,"confidence":0.91845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3275768756866455},{"word":"don't","start":1991.635,"end":1991.795,"confidence":0.99609375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.18757915496826172},{"word":"know","start":1991.795,"end":1992.295,"confidence":0.72180176,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1443929821252823},{"word":"you","start":1992.835,"end":1993.075,"confidence":0.8442383,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058969780802726746},{"word":"know","start":1993.075,"end":1993.575,"confidence":0.8964844,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06821051239967346},{"word":"i","start":1993.875,"end":1993.955,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1291704922914505},{"word":"don't","start":1993.955,"end":1994.195,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.09879098832607268},{"word":"care","start":1994.195,"end":1994.355,"confidence":0.9970703,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.0782884880900383},{"word":"what","start":1994.355,"end":1994.595,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07880489528179169},{"word":"the","start":1994.595,"end":1994.675,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07619237154722214},{"word":"other","start":1994.675,"end":1994.915,"confidence":0.94384766,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07735399901866913},{"word":"father","start":1994.915,"end":1995.235,"confidence":0.15222168,"punctuated_word":"father","sentiment":"neutral","sentiment_score":0.06621760129928589},{"word":"was","start":1995.235,"end":1995.315,"confidence":0.6621094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03417658060789108},{"word":"saying","start":1995.315,"end":1995.815,"confidence":0.78759766,"punctuated_word":"saying.","sentiment":"neutral","sentiment_score":0.06571724265813828},{"word":"so","start":1996.835,"end":1997.075,"confidence":0.9580078,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13295288383960724},{"word":"i'm","start":1997.075,"end":1997.475,"confidence":0.97143555,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.24767619371414185},{"word":"i'm","start":1997.475,"end":1997.635,"confidence":0.97802734,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3573176860809326},{"word":"i'm","start":1997.635,"end":1997.715,"confidence":0.9440918,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.38196706771850586},{"word":"happy","start":1997.715,"end":1998.115,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.32865196466445923},{"word":"with","start":1998.115,"end":1998.275,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.447292685508728},{"word":"what","start":1998.275,"end":1998.435,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5160361528396606},{"word":"i'm","start":1998.435,"end":1998.675,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.38367414474487305},{"word":"doing","start":1998.675,"end":1998.995,"confidence":0.8952637,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.3232714533805847},{"word":"so","start":1998.995,"end":1999.495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1756521761417389},{"word":"that's","start":1999.715,"end":1999.89,"confidence":0.9777832,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1977660059928894},{"word":"that's","start":2000.13,"end":2000.25,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16250599920749664},{"word":"the","start":2000.25,"end":2000.37,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16456836462020874},{"word":"money","start":2000.37,"end":2000.85,"confidence":0.54052734,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.1698814332485199},{"word":"and","start":2000.85,"end":2001.09,"confidence":0.74902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09883227944374084},{"word":"and","start":2001.09,"end":2001.41,"confidence":0.7056885,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.049113765358924866},{"word":"you","start":2001.41,"end":2001.5701,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027374371886253357},{"word":"know","start":2001.5701,"end":2002.0701,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02045794017612934},{"word":"they","start":2002.13,"end":2002.29,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1524997353553772},{"word":"can","start":2002.29,"end":2002.61,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.302069753408432},{"word":"they","start":2002.61,"end":2002.6901,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.21222969889640808},{"word":"can","start":2002.6901,"end":2002.93,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.265668660402298},{"word":"go","start":2002.93,"end":2003.09,"confidence":0.98828125,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.21908286213874817},{"word":"jump","start":2003.09,"end":2003.59,"confidence":0.9890137,"punctuated_word":"jump.","sentiment":"neutral","sentiment_score":0.1679960936307907},{"word":"oh","start":2011.33,"end":2011.5701,"confidence":0.970459,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.13988682627677915},{"word":"yeah","start":2011.5701,"end":2011.89,"confidence":0.9921875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1406210958957672},{"word":"my","start":2011.89,"end":2012.13,"confidence":0.99609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.07983394712209702},{"word":"word","start":2012.13,"end":2012.505,"confidence":0.95825195,"punctuated_word":"word.","sentiment":"neutral","sentiment_score":0.0841052234172821},{"word":"my","start":2012.825,"end":2012.985,"confidence":1.0,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.07594235241413116},{"word":"word","start":2012.985,"end":2013.385,"confidence":0.92285156,"punctuated_word":"word.","sentiment":"neutral","sentiment_score":0.11352553218603134},{"word":"it's","start":2013.385,"end":2013.545,"confidence":0.8942871,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1416252851486206},{"word":"it's","start":2013.545,"end":2013.785,"confidence":0.98217773,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1509893834590912},{"word":"made","start":2013.785,"end":2014.025,"confidence":0.99121094,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.12503495812416077},{"word":"all","start":2014.025,"end":2014.105,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13780580461025238},{"word":"the","start":2014.105,"end":2014.185,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1240171417593956},{"word":"difference","start":2014.185,"end":2014.585,"confidence":0.95947266,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.11386336386203766},{"word":"don't","start":2014.585,"end":2014.825,"confidence":1.0,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.0679323673248291},{"word":"get","start":2014.825,"end":2014.985,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06387484073638916},{"word":"me","start":2014.985,"end":2015.145,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05823256820440293},{"word":"wrong","start":2015.145,"end":2015.545,"confidence":0.9387207,"punctuated_word":"wrong.","sentiment":"neutral","sentiment_score":0.04903784021735191},{"word":"but","start":2015.545,"end":2016.045,"confidence":0.77856445,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.04891161620616913},{"word":"yeah","start":2016.105,"end":2016.345,"confidence":0.9584961,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.15930017828941345},{"word":"i'm","start":2016.345,"end":2016.665,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2050652951002121},{"word":"i'm","start":2016.665,"end":2016.745,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1999555081129074},{"word":"re","start":2016.745,"end":2016.865,"confidence":0.3395996,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.20966918766498568},{"word":"i'm","start":2016.985,"end":2017.225,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.19184038043022156},{"word":"ready","start":2017.225,"end":2017.545,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.25685474276542664},{"word":"to","start":2017.545,"end":2017.625,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23558668792247772},{"word":"get","start":2017.625,"end":2017.785,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21944239735603333},{"word":"back","start":2017.785,"end":2017.945,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23845526576042175},{"word":"into","start":2017.945,"end":2018.265,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.21299929916858673},{"word":"it","start":2018.265,"end":2018.505,"confidence":0.9057617,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18261080980300903},{"word":"so","start":2018.505,"end":2018.745,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09849198907613754},{"word":"yeah","start":2019.785,"end":2020.285,"confidence":0.75561523,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06811043620109558},{"word":"there","start":2035.06,"end":2035.18,"confidence":0.53125,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.16146475076675415},{"word":"it","start":2035.18,"end":2035.3,"confidence":0.33032227,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10926229506731032},{"word":"is","start":2035.3,"end":2035.38,"confidence":0.85302734,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.10388398170471191},{"word":"no","start":2035.38,"end":2035.62,"confidence":0.8391113,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14850828051567078},{"word":"that's","start":2035.62,"end":2035.8601,"confidence":0.9133301,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.14401035010814667},{"word":"it","start":2035.8601,"end":2036.1001,"confidence":0.68847656,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.11647731065750122},{"word":"exactly","start":2036.1001,"end":2036.5801,"confidence":0.9453125,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":-0.0007861331105232239},{"word":"right","start":2036.5801,"end":2036.8201,"confidence":0.9946289,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.015921201556921005},{"word":"everything","start":2036.8201,"end":2037.14,"confidence":0.984375,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":-0.017200518399477005},{"word":"nothing's","start":2037.2201,"end":2037.54,"confidence":0.99365234,"punctuated_word":"nothing's","sentiment":"neutral","sentiment_score":-0.028875190764665604},{"word":"coming","start":2037.54,"end":2037.8601,"confidence":0.99902344,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.0326293483376503},{"word":"down","start":2037.8601,"end":2038.1001,"confidence":0.9641113,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.12985388934612274},{"word":"mate","start":2038.1001,"end":2038.42,"confidence":0.9511719,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":-0.14280904829502106},{"word":"too","start":2038.42,"end":2038.66,"confidence":0.94140625,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2216844856739044},{"word":"too","start":2038.66,"end":2038.9,"confidence":0.9633789,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2107674777507782},{"word":"well","start":2038.9,"end":2039.2201,"confidence":0.78344727,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.196852445602417},{"word":"but","start":2039.2201,"end":2039.7201,"confidence":0.7631836,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.049606986343860626},{"word":"yeah","start":2040.02,"end":2040.52,"confidence":0.96533203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.059689879417419434},{"word":"it's","start":2040.66,"end":2040.855,"confidence":0.835612,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.0731227695941925},{"word":"you","start":2041.015,"end":2041.255,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0397881418466568},{"word":"know","start":2041.255,"end":2041.335,"confidence":0.9824219,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04804164171218872},{"word":"you","start":2041.335,"end":2041.655,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027232639491558075},{"word":"you","start":2041.655,"end":2041.895,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01124224066734314},{"word":"see","start":2041.895,"end":2042.135,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02279902622103691},{"word":"the","start":2042.135,"end":2042.2949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033364567905664444},{"word":"other","start":2042.2949,"end":2042.455,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03404060751199722},{"word":"side","start":2042.455,"end":2042.615,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.024545274674892426},{"word":"of","start":2042.615,"end":2042.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03221184387803078},{"word":"it","start":2042.695,"end":2042.855,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03732171654701233},{"word":"too","start":2042.855,"end":2043.095,"confidence":0.9785156,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.03090125136077404},{"word":"you're","start":2043.095,"end":2043.335,"confidence":0.9223633,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.01007424294948578},{"word":"you're","start":2043.335,"end":2043.495,"confidence":0.9301758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03063720092177391},{"word":"a","start":2043.495,"end":2043.575,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.046524323523044586},{"word":"mom","start":2043.575,"end":2043.815,"confidence":0.7043457,"punctuated_word":"mom,","sentiment":"neutral","sentiment_score":0.02783242054283619},{"word":"and","start":2043.815,"end":2044.315,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013050565496087074},{"word":"you're","start":2044.455,"end":2044.695,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.001366782933473587},{"word":"looking","start":2044.695,"end":2045.015,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.002770138904452324},{"word":"after","start":2045.015,"end":2045.335,"confidence":0.99609375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.0024534575641155243},{"word":"the","start":2045.335,"end":2045.655,"confidence":0.9921875,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.0049545178189873695},{"word":"you","start":2045.655,"end":2045.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005459457635879517},{"word":"know","start":2045.735,"end":2046.235,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.007137107662856579},{"word":"the","start":2046.615,"end":2046.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021214980632066727},{"word":"household","start":2046.855,"end":2047.335,"confidence":0.99121094,"punctuated_word":"household","sentiment":"neutral","sentiment_score":0.014244606718420982},{"word":"side","start":2047.335,"end":2047.575,"confidence":0.7331543,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.03540577366948128},{"word":"i","start":2047.575,"end":2047.895,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02670617774128914},{"word":"guess","start":2047.895,"end":2048.395,"confidence":0.93310547,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.018824389204382896},{"word":"or","start":2048.695,"end":2048.855,"confidence":0.6894531,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.003937959671020508},{"word":"whatever","start":2048.855,"end":2049.175,"confidence":0.7561035,"punctuated_word":"whatever.","sentiment":"neutral","sentiment_score":0.006224753335118294},{"word":"but","start":2049.175,"end":2049.415,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.006387222558259964},{"word":"that's","start":2049.415,"end":2049.7349,"confidence":0.7258301,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03132835030555725},{"word":"it","start":2049.7349,"end":2050.055,"confidence":0.97631836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.010592600330710413},{"word":"and","start":2050.055,"end":2050.555,"confidence":0.9890137,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.023662906140089035},{"word":"you","start":2051.335,"end":2051.4949,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027325190603733063},{"word":"know","start":2051.4949,"end":2051.7349,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0315881073474884},{"word":"they're","start":2051.7349,"end":2051.975,"confidence":1.0,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.09536947309970856},{"word":"not","start":2051.975,"end":2052.135,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12691140174865723},{"word":"making","start":2052.135,"end":2052.375,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.14129768311977386},{"word":"it","start":2052.375,"end":2052.535,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09003481268882751},{"word":"easy","start":2052.535,"end":2052.775,"confidence":0.97314453,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":-0.1217171922326088},{"word":"for","start":2052.775,"end":2052.935,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09209293127059937},{"word":"us","start":2052.935,"end":2053.095,"confidence":0.8635254,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.0905160903930664},{"word":"so","start":2053.095,"end":2053.255,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07647575438022614},{"word":"we","start":2053.255,"end":2053.415,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.034661099314689636},{"word":"gotta","start":2053.415,"end":2053.83,"confidence":0.8588867,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.03256959468126297},{"word":"try","start":2053.9102,"end":2054.23,"confidence":0.80908203,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.029704608023166656},{"word":"and","start":2054.23,"end":2054.27,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011078864336013794},{"word":"grab","start":2054.27,"end":2054.31,"confidence":0.9970703,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":-0.0013872459530830383},{"word":"what","start":2054.31,"end":2054.55,"confidence":0.9301758,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.005399320274591446},{"word":"we","start":2054.55,"end":2054.79,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004234548658132553},{"word":"can","start":2054.79,"end":2055.03,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0021373778581619263},{"word":"when","start":2055.03,"end":2055.53,"confidence":0.66259766,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01317213661968708},{"word":"we","start":2061.11,"end":2061.36,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5165722966194153},{"word":"can","start":2061.36,"end":2061.86,"confidence":0.9970703,"punctuated_word":"can.","sentiment":"positive","sentiment_score":0.4993601441383362},{"word":"yep","start":2122.13,"end":2122.63,"confidence":0.8203125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12167798727750778},{"word":"yeah","start":2134.575,"end":2134.815,"confidence":0.72473145,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051401980221271515},{"word":"yeah","start":2134.815,"end":2135.135,"confidence":0.8847656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05985309183597565},{"word":"exactly","start":2135.135,"end":2135.635,"confidence":0.9301758,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.08924689143896103},{"word":"yep","start":2159.265,"end":2159.765,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27779972553253174},{"word":"yes","start":2161.265,"end":2161.765,"confidence":0.8479004,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2683979868888855},{"word":"yeah","start":2164.385,"end":2164.885,"confidence":0.7619629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08932678401470184},{"word":"i","start":2164.945,"end":2165.105,"confidence":0.87158203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07139162719249725},{"word":"believe","start":2165.105,"end":2165.505,"confidence":0.6828613,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.04864354431629181},{"word":"yeah","start":2165.505,"end":2166.005,"confidence":0.89331055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05719646438956261},{"word":"yeah","start":2171.6401,"end":2172.1401,"confidence":0.7824707,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2373589277267456},{"word":"yes","start":2193.56,"end":2194.06,"confidence":0.95703125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.30703049898147583},{"word":"yes","start":2198.92,"end":2199.42,"confidence":0.86035156,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.44388699531555176},{"word":"yes","start":2213.2952,"end":2213.7952,"confidence":0.77246094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15899109840393066},{"word":"oh","start":2214.0952,"end":2214.2551,"confidence":0.72094727,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04265373945236206},{"word":"my","start":2214.2551,"end":2214.495,"confidence":0.60546875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.02526373416185379},{"word":"word","start":2214.495,"end":2214.8152,"confidence":0.87475586,"punctuated_word":"word.","sentiment":"neutral","sentiment_score":0.035888899117708206},{"word":"yes","start":2214.8152,"end":2215.215,"confidence":0.9790039,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06569322943687439},{"word":"yep","start":2215.215,"end":2215.715,"confidence":0.8442383,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10147999972105026},{"word":"yep","start":2216.2551,"end":2216.7551,"confidence":0.77368164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.197128102183342},{"word":"yes","start":2233.4001,"end":2233.665,"confidence":0.9003906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08735178411006927},{"word":"yes","start":2265.655,"end":2266.155,"confidence":0.71032715,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2908923029899597},{"word":"yes","start":2279.5,"end":2280.0,"confidence":0.7402344,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.34178078174591064},{"word":"yep","start":2301.635,"end":2302.035,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0977015495300293},{"word":"no","start":2302.035,"end":2302.195,"confidence":0.76660156,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.13770776987075806},{"word":"it","start":2302.195,"end":2302.355,"confidence":0.50146484,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3183727562427521},{"word":"sounds","start":2302.355,"end":2302.595,"confidence":0.98535156,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5067161917686462},{"word":"good","start":2302.595,"end":2302.915,"confidence":0.9970703,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.4536203145980835},{"word":"mike","start":2302.915,"end":2303.315,"confidence":0.95751953,"punctuated_word":"Mike.","sentiment":"positive","sentiment_score":0.3760114312171936},{"word":"sounds","start":2303.315,"end":2303.635,"confidence":0.87060547,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6297302842140198},{"word":"good","start":2303.635,"end":2304.135,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6010180711746216},{"word":"okay","start":2348.035,"end":2348.535,"confidence":0.7023926,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.040081508457660675},{"word":"yep","start":2355.075,"end":2355.575,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06203668937087059},{"word":"yep","start":2368.75,"end":2369.25,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05063018947839737},{"word":"yep","start":2371.3901,"end":2371.8901,"confidence":0.9448242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04247821122407913},{"word":"yes","start":2378.59,"end":2379.015,"confidence":0.77905273,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12896010279655457},{"word":"yep","start":2383.4148,"end":2383.6548,"confidence":0.8557129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06571435183286667},{"word":"no","start":2383.6548,"end":2383.8948,"confidence":0.88427734,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.11051004379987717},{"word":"worries","start":2383.8948,"end":2384.3948,"confidence":0.99853516,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.15985827147960663},{"word":"mhmm","start":2393.7349,"end":2394.2349,"confidence":0.9963379,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.014941919595003128},{"word":"that'd","start":2400.0,"end":2400.24,"confidence":0.75805664,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.032554615288972855},{"word":"be","start":2400.24,"end":2400.4,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.038119710981845856},{"word":"fine","start":2400.4,"end":2400.9,"confidence":0.99658203,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.04180721193552017},{"word":"yeah","start":2400.96,"end":2401.46,"confidence":0.95703125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012623503804206848},{"word":"yeah","start":2401.84,"end":2402.24,"confidence":0.94262695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003293401561677456},{"word":"no","start":2402.24,"end":2402.48,"confidence":0.9133301,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.031223736703395844},{"word":"that'd","start":2402.48,"end":2402.64,"confidence":0.90063477,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.028239604085683823},{"word":"be","start":2402.64,"end":2402.88,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02454989403486252},{"word":"fine","start":2402.88,"end":2403.36,"confidence":0.9970703,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.08169429749250412},{"word":"yeah","start":2403.36,"end":2403.86,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05889621749520302},{"word":"mhmm","start":2420.0752,"end":2420.155,"confidence":0.94433594,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03249610960483551},{"word":"yep","start":2420.155,"end":2420.655,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05901532620191574},{"word":"yep","start":2427.05,"end":2427.55,"confidence":0.90527344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04929910600185394},{"word":"yep","start":2431.05,"end":2431.55,"confidence":0.9099121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053229641169309616},{"word":"not","start":2436.49,"end":2436.6501,"confidence":0.18054199,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.0005829259753227234},{"word":"not","start":2436.6501,"end":2436.81,"confidence":0.7426758,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.019293446093797684},{"word":"a","start":2436.81,"end":2436.8901,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00016622617840766907},{"word":"problem","start":2436.8901,"end":2437.21,"confidence":0.9770508,"punctuated_word":"problem,","sentiment":"neutral","sentiment_score":0.2202416956424713},{"word":"mate","start":2437.21,"end":2437.37,"confidence":0.99609375,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.2893761992454529},{"word":"that'd","start":2437.37,"end":2437.61,"confidence":0.9921875,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.657167375087738},{"word":"be","start":2437.61,"end":2437.77,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6771937608718872},{"word":"great","start":2437.77,"end":2438.01,"confidence":1.0,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6926162242889404},{"word":"thank","start":2438.01,"end":2438.25,"confidence":0.99609375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7451192140579224},{"word":"you","start":2438.25,"end":2438.625,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6412928104400635},{"word":"no","start":2445.105,"end":2445.505,"confidence":0.98046875,"punctuated_word":"No,","sentiment":"neutral","sentiment_score":-0.04427120089530945},{"word":"mate","start":2445.505,"end":2445.825,"confidence":0.9941406,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.012473441660404204},{"word":"no","start":2445.825,"end":2446.065,"confidence":0.9904785,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05819584056735039},{"word":"it's","start":2446.065,"end":2446.225,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.020592600107192993},{"word":"just","start":2446.225,"end":2446.465,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04791591688990593},{"word":"a","start":2446.465,"end":2446.545,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02425987645983696},{"word":"matter","start":2446.545,"end":2446.785,"confidence":1.0,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.009168341755867004},{"word":"of","start":2446.785,"end":2447.025,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0026448965072631836},{"word":"it","start":2447.025,"end":2447.105,"confidence":0.63427734,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.016345281153917313},{"word":"it's","start":2447.105,"end":2447.265,"confidence":0.9316406,"punctuated_word":"It's,","sentiment":"neutral","sentiment_score":0.008278691209852695},{"word":"you","start":2447.265,"end":2447.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0015929564833641052},{"word":"know","start":2447.425,"end":2447.665,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.00950203463435173},{"word":"it's","start":2447.665,"end":2447.825,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03063897415995598},{"word":"something","start":2447.825,"end":2448.145,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.02740662544965744},{"word":"that","start":2448.145,"end":2448.305,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01568514108657837},{"word":"i've","start":2448.305,"end":2448.385,"confidence":0.85546875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.021507538855075836},{"word":"that","start":2448.385,"end":2448.545,"confidence":0.7973633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0399186834692955},{"word":"i've","start":2448.545,"end":2448.705,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03458372503519058},{"word":"been","start":2448.705,"end":2448.865,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.014740332961082458},{"word":"wanting","start":2448.865,"end":2449.185,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.024560801684856415},{"word":"to","start":2449.185,"end":2449.265,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029819171875715256},{"word":"get","start":2449.265,"end":2449.425,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03704402968287468},{"word":"done","start":2449.425,"end":2449.665,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.01563093066215515},{"word":"or","start":2449.665,"end":2449.825,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.017224512994289398},{"word":"whatever","start":2449.825,"end":2450.145,"confidence":0.7729492,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.002667568624019623},{"word":"and","start":2450.145,"end":2450.64,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030588768422603607},{"word":"and","start":2450.88,"end":2451.1199,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07691366970539093},{"word":"i'm","start":2451.1199,"end":2451.3599,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2295779585838318},{"word":"i'm","start":2451.3599,"end":2451.5198,"confidence":0.98291016,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4091060757637024},{"word":"glad","start":2451.5198,"end":2451.8398,"confidence":1.0,"punctuated_word":"glad","sentiment":"positive","sentiment_score":0.4224351942539215},{"word":"that","start":2451.8398,"end":2451.92,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4414260983467102},{"word":"you","start":2451.92,"end":2452.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4088286757469177},{"word":"sort","start":2452.0798,"end":2452.3198,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.3200371563434601},{"word":"of","start":2452.3198,"end":2452.48,"confidence":0.8618164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2981928288936615},{"word":"talked","start":2452.48,"end":2452.64,"confidence":0.8588867,"punctuated_word":"talked","sentiment":"positive","sentiment_score":0.3605774044990539},{"word":"me","start":2452.64,"end":2452.88,"confidence":0.9604492,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24396267533302307},{"word":"into","start":2452.88,"end":2453.0398,"confidence":0.90722656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.29163140058517456},{"word":"keeping","start":2453.0398,"end":2453.3599,"confidence":0.99609375,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.09585346281528472},{"word":"a","start":2453.3599,"end":2453.44,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10651686787605286},{"word":"little","start":2453.44,"end":2453.68,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1540030539035797},{"word":"bit","start":2453.68,"end":2453.8398,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18381647765636444},{"word":"of","start":2453.8398,"end":2453.92,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18652035295963287},{"word":"that","start":2453.92,"end":2454.24,"confidence":0.7475586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22670401632785797},{"word":"life","start":2454.24,"end":2454.5598,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16426682472229004},{"word":"insurance","start":2454.5598,"end":2454.96,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.22276586294174192},{"word":"and","start":2454.96,"end":2455.1199,"confidence":0.7060547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.057568877935409546},{"word":"whatever","start":2455.1199,"end":2455.5198,"confidence":0.82128906,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.07619024813175201},{"word":"there","start":2455.5198,"end":2455.76,"confidence":0.9140625,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07797756046056747},{"word":"but","start":2455.76,"end":2456.26,"confidence":0.97387695,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.003423195332288742},{"word":"you","start":2456.88,"end":2457.0398,"confidence":0.67822266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01349852979183197},{"word":"know","start":2457.0398,"end":2457.2798,"confidence":0.98706055,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.014172807335853577},{"word":"but","start":2457.2798,"end":2457.5198,"confidence":0.96972656,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.030350953340530396},{"word":"i","start":2457.5198,"end":2457.68,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.058886829763650894},{"word":"thought","start":2457.68,"end":2457.92,"confidence":0.7373047,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.06435735523700714},{"word":"well","start":2457.92,"end":2458.4,"confidence":0.99560547,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.08036914467811584},{"word":"the","start":2458.4,"end":2458.64,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1424257755279541},{"word":"total","start":2458.64,"end":2458.96,"confidence":0.9428711,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.15218479931354523},{"word":"permanent","start":2458.96,"end":2459.46,"confidence":0.9863281,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.126087948679924},{"word":"disability","start":2459.5198,"end":2460.0,"confidence":0.87231445,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.1111471951007843},{"word":"i","start":2460.0,"end":2460.16,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17096596956253052},{"word":"don't","start":2460.16,"end":2460.24,"confidence":0.6981201,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1359359622001648},{"word":"i","start":2460.4,"end":2460.5598,"confidence":0.9194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14697834849357605},{"word":"just","start":2460.5598,"end":2461.0598,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10984840989112854},{"word":"really","start":2461.1199,"end":2461.5198,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11710725724697112},{"word":"didn't","start":2461.5198,"end":2461.76,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.10526662319898604},{"word":"see","start":2461.76,"end":2462.0,"confidence":0.984375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.0807780921459198},{"word":"how","start":2462.0,"end":2462.16,"confidence":0.9873047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.08131049573421478},{"word":"that","start":2462.16,"end":2462.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06765443831682205},{"word":"was","start":2462.4,"end":2462.5598,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07987181097269058},{"word":"gonna","start":2462.5598,"end":2462.88,"confidence":0.9194336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.02905849739909172},{"word":"help","start":2462.88,"end":2463.1199,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.01690090447664261},{"word":"me","start":2463.1199,"end":2463.6199,"confidence":0.9519043,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.03981771320104599},{"word":"you","start":2463.675,"end":2464.175,"confidence":0.9243164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03295355290174484},{"word":"know","start":2465.195,"end":2465.435,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02955065295100212},{"word":"like","start":2465.435,"end":2465.935,"confidence":0.92163086,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.014889484271407127},{"word":"in","start":2466.075,"end":2466.315,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014373727142810822},{"word":"the","start":2466.315,"end":2466.395,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014485780149698256},{"word":"long","start":2466.395,"end":2466.635,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.013390883803367616},{"word":"run","start":2466.635,"end":2466.955,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.004478104412555695},{"word":"sort","start":2466.955,"end":2467.115,"confidence":0.9526367,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02914643287658691},{"word":"of","start":2467.115,"end":2467.2751,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04893767833709717},{"word":"thing","start":2467.2751,"end":2467.435,"confidence":0.904541,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.02862381376326084},{"word":"but","start":2467.435,"end":2467.935,"confidence":0.8186035,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.0027485042810440063},{"word":"i","start":2468.155,"end":2468.315,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007461428642272949},{"word":"mean","start":2468.315,"end":2468.555,"confidence":0.7919922,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03479651361703873},{"word":"yeah","start":2468.555,"end":2468.875,"confidence":0.9291992,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05563928931951523},{"word":"i'm","start":2468.875,"end":2469.195,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05027968809008598},{"word":"i'm","start":2469.195,"end":2469.675,"confidence":0.99316406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07515254616737366},{"word":"i'm","start":2469.675,"end":2469.835,"confidence":0.9628906,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09133662283420564},{"word":"happy","start":2469.835,"end":2470.155,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.12042407691478728},{"word":"with","start":2470.155,"end":2470.315,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13651183247566223},{"word":"what","start":2470.315,"end":2470.475,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18969225883483887},{"word":"we've","start":2470.475,"end":2470.715,"confidence":0.9980469,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.14523565769195557},{"word":"ended","start":2470.715,"end":2470.955,"confidence":0.99902344,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":0.2381729781627655},{"word":"up","start":2470.955,"end":2471.115,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13703188300132751},{"word":"with","start":2471.115,"end":2471.2751,"confidence":0.89453125,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.06226811185479164},{"word":"that's","start":2471.2751,"end":2471.595,"confidence":0.87190753,"punctuated_word":"That's,","sentiment":"neutral","sentiment_score":0.052621081471443176},{"word":"you","start":2471.595,"end":2471.675,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02962766215205193},{"word":"know","start":2471.675,"end":2472.175,"confidence":0.9003906,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05705021321773529},{"word":"that's","start":2472.315,"end":2472.635,"confidence":0.89624023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.043967776000499725},{"word":"i'm","start":2472.715,"end":2472.875,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1273079812526703},{"word":"i'm","start":2472.875,"end":2473.115,"confidence":0.96875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.18739156424999237},{"word":"glad","start":2473.115,"end":2473.355,"confidence":1.0,"punctuated_word":"glad","sentiment":"neutral","sentiment_score":0.3237353563308716},{"word":"you","start":2473.355,"end":2473.595,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1986835151910782},{"word":"sort","start":2473.595,"end":2473.7551,"confidence":0.93408203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.176609069108963},{"word":"of","start":2473.7551,"end":2474.2551,"confidence":0.93847656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1994924694299698},{"word":"think","start":2474.395,"end":2474.715,"confidence":0.44995117,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.28571975231170654},{"word":"about","start":2474.715,"end":2475.0352,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2817080616950989},{"word":"that","start":2475.0352,"end":2475.5352,"confidence":0.9748535,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1616411954164505},{"word":"so","start":2475.93,"end":2476.0898,"confidence":0.8640137,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05891481041908264},{"word":"you","start":2476.0898,"end":2476.5898,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025973809882998463},{"word":"know","start":2476.89,"end":2477.13,"confidence":0.91064453,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03184833377599716},{"word":"and","start":2477.13,"end":2477.25,"confidence":0.73339844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032782234251499176},{"word":"i","start":2477.25,"end":2477.3699,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03150264546275139},{"word":"talked","start":2477.3699,"end":2477.69,"confidence":0.8959961,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.04261799529194832},{"word":"to","start":2477.69,"end":2477.8499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04892865568399429},{"word":"carrie","start":2477.8499,"end":2478.0898,"confidence":0.72558594,"punctuated_word":"Carrie","sentiment":"neutral","sentiment_score":0.04151971638202667},{"word":"or","start":2478.0898,"end":2478.25,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0392330065369606},{"word":"whatever","start":2478.25,"end":2478.65,"confidence":0.7775879,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":0.03350963443517685},{"word":"and","start":2478.65,"end":2479.15,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.028789250180125237},{"word":"and","start":2479.45,"end":2479.6099,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02989418618381023},{"word":"i","start":2479.6099,"end":2479.77,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02269608899950981},{"word":"said","start":2479.77,"end":2479.93,"confidence":0.986084,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.027093539014458656},{"word":"well","start":2479.93,"end":2480.17,"confidence":0.99658203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.02900148741900921},{"word":"we're","start":2480.17,"end":2480.3298,"confidence":0.95532227,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.027603646740317345},{"word":"we're","start":2480.3298,"end":2480.5698,"confidence":0.9880371,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03506023436784744},{"word":"still","start":2480.5698,"end":2480.81,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05266670882701874},{"word":"getting","start":2480.81,"end":2481.05,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.04050016775727272},{"word":"a","start":2481.05,"end":2481.13,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04616217315196991},{"word":"benefit","start":2481.13,"end":2481.53,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.048896219581365585},{"word":"or","start":2481.53,"end":2481.77,"confidence":0.5859375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028398893773555756},{"word":"you","start":2481.77,"end":2481.8499,"confidence":0.8364258,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035082973539829254},{"word":"still","start":2481.8499,"end":2482.0898,"confidence":0.25854492,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03107370436191559},{"word":"get","start":2482.0898,"end":2482.25,"confidence":0.97265625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03021969646215439},{"word":"a","start":2482.25,"end":2482.41,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024616891518235207},{"word":"benefit","start":2482.41,"end":2482.91,"confidence":0.93530273,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.01324901543557644},{"word":"but","start":2483.13,"end":2483.63,"confidence":0.99316406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.008467115461826324},{"word":"but","start":2484.25,"end":2484.5698,"confidence":0.96069336,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.01572357676923275},{"word":"you","start":2484.5698,"end":2484.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02282869443297386},{"word":"know","start":2484.65,"end":2485.05,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03490578383207321},{"word":"that's","start":2485.05,"end":2485.29,"confidence":0.7454834,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.037887487560510635},{"word":"that's","start":2485.29,"end":2485.6099,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.037728261202573776},{"word":"what","start":2485.6099,"end":2485.77,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.057805825024843216},{"word":"i'm","start":2485.77,"end":2485.93,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.052792131900787354},{"word":"worried","start":2485.93,"end":2486.25,"confidence":1.0,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.042696744203567505},{"word":"about","start":2486.25,"end":2486.49,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06804513931274414},{"word":"is","start":2486.49,"end":2486.5698,"confidence":0.73828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06071923673152923},{"word":"just","start":2486.5698,"end":2486.81,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04319929704070091},{"word":"to","start":2486.81,"end":2486.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0441349484026432},{"word":"make","start":2486.89,"end":2487.05,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.04082426056265831},{"word":"sure","start":2487.05,"end":2487.29,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.02129373699426651},{"word":"that","start":2487.29,"end":2487.53,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003592953085899353},{"word":"she's","start":2487.53,"end":2487.765,"confidence":0.9975586,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.0013469470432028174},{"word":"she's","start":2488.1648,"end":2488.4849,"confidence":1.0,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.00005808224523207173},{"word":"gonna","start":2488.4849,"end":2488.805,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.005050376057624817},{"word":"be","start":2488.805,"end":2489.305,"confidence":0.99609375,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.0021107569336891174},{"word":"you","start":2489.4448,"end":2489.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02000942826271057},{"word":"know","start":2489.525,"end":2489.765,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.012445572763681412},{"word":"covered","start":2489.765,"end":2490.085,"confidence":0.9970703,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.0019625723361968994},{"word":"if","start":2490.085,"end":2490.325,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.013272872194647787},{"word":"if","start":2490.325,"end":2490.565,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.023443501442670826},{"word":"i","start":2490.565,"end":2490.7249,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0180634967982769},{"word":"go","start":2490.7249,"end":2491.125,"confidence":0.9538574,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.02535710111260414},{"word":"so","start":2491.125,"end":2491.625,"confidence":0.8234863,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.012909001670777798},{"word":"you","start":2492.6448,"end":2492.7249,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009415114298462868},{"word":"know","start":2492.7249,"end":2493.2249,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.007285533472895622},{"word":"yeah","start":2494.005,"end":2494.4849,"confidence":0.98999023,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01734042912721634},{"word":"just","start":2494.4849,"end":2494.7249,"confidence":0.7114258,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.05067948251962662},{"word":"just","start":2494.7249,"end":2495.2048,"confidence":0.7944336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27685099840164185},{"word":"just","start":2495.2048,"end":2495.365,"confidence":0.62597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15235523879528046},{"word":"keeping","start":2495.365,"end":2495.765,"confidence":0.7338867,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.16514185070991516},{"word":"her","start":2495.765,"end":2496.085,"confidence":0.9921875,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.1522304266691208},{"word":"covered","start":2496.085,"end":2496.585,"confidence":0.9980469,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":0.15565304458141327},{"word":"yep","start":2520.085,"end":2520.585,"confidence":0.82299805,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12062975019216536},{"word":"yes","start":2527.525,"end":2527.95,"confidence":0.8623047,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08563107252120972},{"word":"yes","start":2541.31,"end":2541.63,"confidence":0.70495605,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.060862042009830475},{"word":"yep","start":2541.63,"end":2542.03,"confidence":0.9328613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06670989096164703},{"word":"no","start":2542.03,"end":2542.19,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08545361459255219},{"word":"worries","start":2542.19,"end":2542.5898,"confidence":0.99902344,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.08987074345350266},{"word":"at","start":2542.5898,"end":2542.75,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05564451962709427},{"word":"all","start":2542.75,"end":2543.025,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.09854081273078918},{"word":"that'd","start":2543.585,"end":2543.9048,"confidence":0.95336914,"punctuated_word":"That'd","sentiment":"neutral","sentiment_score":0.27210313081741333},{"word":"be","start":2543.9048,"end":2544.065,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6475375294685364},{"word":"great","start":2544.065,"end":2544.545,"confidence":0.99902344,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6404373645782471},{"word":"lovely","start":2544.545,"end":2545.045,"confidence":0.9975586,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6394456624984741},{"word":"yeah","start":2559.0898,"end":2559.5898,"confidence":0.79833984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02905150875449181},{"word":"oh","start":2559.65,"end":2559.81,"confidence":0.7342529,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.03304104506969452},{"word":"yeah","start":2559.81,"end":2560.31,"confidence":0.98461914,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02979533188045025},{"word":"mhmm","start":2560.45,"end":2560.95,"confidence":0.84820557,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.020927075296640396},{"word":"it","start":2561.57,"end":2561.65,"confidence":0.8442383,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.01097678765654564},{"word":"it'll","start":2561.73,"end":2562.05,"confidence":0.99902344,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.015908105298876762},{"word":"probably","start":2562.05,"end":2562.3699,"confidence":0.99121094,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.015027618035674095},{"word":"probably","start":2562.3699,"end":2562.69,"confidence":0.9291992,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.008766213431954384},{"word":"be","start":2562.69,"end":2562.93,"confidence":0.984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02685733698308468},{"word":"about","start":2562.93,"end":2563.17,"confidence":0.9165039,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.018408549949526787},{"word":"two","start":2563.17,"end":2563.41,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.021781351417303085},{"word":"weeks","start":2563.41,"end":2563.65,"confidence":0.9592285,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.01806498691439629},{"word":"i","start":2563.65,"end":2563.73,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04435918480157852},{"word":"think","start":2563.73,"end":2563.97,"confidence":0.984375,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.03010579384863377},{"word":"by","start":2563.97,"end":2564.13,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.031770844012498856},{"word":"the","start":2564.13,"end":2564.29,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040939219295978546},{"word":"time","start":2564.29,"end":2564.53,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03916317969560623},{"word":"that","start":2564.53,"end":2564.69,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03850309178233147},{"word":"one","start":2564.69,"end":2564.93,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.039604924619197845},{"word":"comes","start":2564.93,"end":2565.17,"confidence":0.98828125,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.03443678095936775},{"word":"through","start":2565.17,"end":2565.49,"confidence":0.93530273,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.04369962215423584},{"word":"so","start":2565.49,"end":2565.65,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0872221514582634},{"word":"yeah","start":2567.49,"end":2567.99,"confidence":0.9160156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0991695299744606},{"word":"yes","start":2578.725,"end":2579.225,"confidence":0.6275635,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0328720360994339},{"word":"okay","start":2579.765,"end":2580.265,"confidence":0.7890625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019345290958881375},{"word":"but","start":2580.405,"end":2580.645,"confidence":0.35913086,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.010837282985448836},{"word":"there's","start":2580.645,"end":2580.805,"confidence":0.9921875,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.005032492335885763},{"word":"nothing","start":2580.805,"end":2581.205,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.022464007139205933},{"word":"i've","start":2581.205,"end":2581.285,"confidence":0.9819336,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.027542680501937863},{"word":"got","start":2581.285,"end":2581.445,"confidence":0.51708984,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05080099031329155},{"word":"to","start":2581.445,"end":2581.525,"confidence":0.57714844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07276490330696106},{"word":"sign","start":2581.525,"end":2581.765,"confidence":0.9951172,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.08200594782829285},{"word":"on","start":2581.765,"end":2581.925,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.060741033405065536},{"word":"this","start":2581.925,"end":2582.085,"confidence":0.9819336,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02897799387574196},{"word":"stuff","start":2582.085,"end":2582.405,"confidence":0.9951172,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.012171588838100432},{"word":"at","start":2582.405,"end":2582.565,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05205809697508812},{"word":"the","start":2582.565,"end":2582.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04092274606227875},{"word":"moment","start":2582.645,"end":2583.12,"confidence":0.85791016,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.02564169466495514},{"word":"yeah","start":2593.9202,"end":2594.2402,"confidence":0.8942871,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08606493473052979},{"word":"yeah","start":2594.2402,"end":2594.4802,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00583238061517477},{"word":"now","start":2594.4802,"end":2594.8,"confidence":0.6640625,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.01416773721575737},{"word":"what","start":2594.8,"end":2594.9602,"confidence":0.82177734,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01969517767429352},{"word":"i","start":2594.9602,"end":2595.12,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02512018010020256},{"word":"mean","start":2595.12,"end":2595.36,"confidence":0.99609375,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.01952064223587513},{"word":"what","start":2595.36,"end":2595.52,"confidence":0.97998047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.024723147973418236},{"word":"i","start":2595.52,"end":2595.6802,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021891264244914055},{"word":"mean","start":2595.6802,"end":2595.84,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.012283699586987495},{"word":"was","start":2595.84,"end":2596.08,"confidence":0.9550781,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.011768832802772522},{"word":"with","start":2596.08,"end":2596.4001,"confidence":0.90527344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00545719638466835},{"word":"any","start":2596.4001,"end":2596.7202,"confidence":0.98095703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.017740316689014435},{"word":"changes","start":2596.7202,"end":2597.12,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.022488733753561977},{"word":"that","start":2597.12,"end":2597.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00823242962360382},{"word":"might","start":2597.28,"end":2597.52,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.005863243713974953},{"word":"come","start":2597.52,"end":2597.84,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.012263575568795204},{"word":"through","start":2597.84,"end":2598.34,"confidence":0.93774414,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.017464302480220795},{"word":"but","start":2599.455,"end":2599.8552,"confidence":0.9536133,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00643286295235157},{"word":"from","start":2599.8552,"end":2600.0151,"confidence":0.97509766,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.020035862922668457},{"word":"that","start":2600.0151,"end":2600.2551,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039240557700395584},{"word":"new","start":2600.2551,"end":2600.495,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.033294640481472015},{"word":"payslip","start":2600.495,"end":2600.975,"confidence":0.89176434,"punctuated_word":"payslip,","sentiment":"neutral","sentiment_score":0.01570453681051731},{"word":"is","start":2600.975,"end":2601.135,"confidence":0.9448242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015933353453874588},{"word":"that","start":2601.135,"end":2601.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024597549811005592},{"word":"gonna","start":2601.215,"end":2601.715,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.025820711627602577},{"word":"does","start":2602.0952,"end":2602.3352,"confidence":0.9970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.014436785131692886},{"word":"that","start":2602.3352,"end":2602.495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019862039014697075},{"word":"mean","start":2602.495,"end":2602.655,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.014214295893907549},{"word":"i'll","start":2602.655,"end":2602.8152,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.005765946581959724},{"word":"have","start":2602.8152,"end":2603.0552,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.006658224388957024},{"word":"to","start":2603.0552,"end":2603.215,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.001814967021346092},{"word":"re","start":2603.215,"end":2603.375,"confidence":0.65966797,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.010534344241023064},{"word":"sign","start":2603.375,"end":2603.6152,"confidence":0.9951172,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.002934962511062622},{"word":"another","start":2603.6152,"end":2604.1152,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.01248982734978199},{"word":"setup","start":2604.5752,"end":2604.975,"confidence":0.8017578,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":0.013032877817749975},{"word":"sort","start":2604.975,"end":2605.215,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0015453994274139404},{"word":"of","start":2605.215,"end":2605.2952,"confidence":0.9604492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0052930936217308044},{"word":"thing","start":2605.2952,"end":2605.5352,"confidence":0.8635254,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":0.007356674410402775},{"word":"or","start":2605.5352,"end":2606.0352,"confidence":0.7216797,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.003931492567062378},{"word":"yeah","start":2613.2,"end":2613.52,"confidence":0.7161865,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034589774906635284},{"word":"so","start":2613.52,"end":2613.76,"confidence":0.5336914,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04562954604625702},{"word":"so","start":2613.76,"end":2614.0798,"confidence":0.61376953,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09512003511190414},{"word":"virtually","start":2614.0798,"end":2614.5798,"confidence":0.6928711,"punctuated_word":"virtually","sentiment":"neutral","sentiment_score":0.11212387681007384},{"word":"virtually","start":2615.04,"end":2615.44,"confidence":0.8857422,"punctuated_word":"virtually","sentiment":"neutral","sentiment_score":0.11013476550579072},{"word":"when","start":2615.44,"end":2615.68,"confidence":0.6201172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.126512348651886},{"word":"i'm","start":2615.68,"end":2615.76,"confidence":0.9951172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11355850100517272},{"word":"happy","start":2615.76,"end":2616.0798,"confidence":0.9980469,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10867555439472198},{"word":"with","start":2616.0798,"end":2616.3198,"confidence":0.9316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0691143125295639},{"word":"this","start":2616.3198,"end":2616.56,"confidence":0.6479492,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.08601824939250946},{"word":"sign","start":2616.56,"end":2616.8,"confidence":0.9140625,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.09100362658500671},{"word":"this","start":2616.8,"end":2617.04,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0873086005449295},{"word":"one","start":2617.04,"end":2617.44,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07652950286865234},{"word":"and","start":2617.44,"end":2617.68,"confidence":0.7597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06304759532213211},{"word":"get","start":2617.68,"end":2617.8398,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08163758367300034},{"word":"it","start":2617.8398,"end":2618.0,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.094976007938385},{"word":"out","start":2618.0,"end":2618.16,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10727953165769576},{"word":"of","start":2618.16,"end":2618.3198,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07840054482221603},{"word":"the","start":2618.3198,"end":2618.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0581103153526783},{"word":"way","start":2618.4,"end":2618.88,"confidence":0.8195801,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.06243951618671417},{"word":"and","start":2618.88,"end":2619.04,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0420774407684803},{"word":"then","start":2619.04,"end":2619.2,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0473756231367588},{"word":"we'll","start":2619.2,"end":2619.3599,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0382576659321785},{"word":"worry","start":2619.3599,"end":2619.5999,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.01062636449933052},{"word":"about","start":2619.5999,"end":2619.8398,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.007523734122514725},{"word":"the","start":2619.8398,"end":2619.92,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005976676940917969},{"word":"other","start":2619.92,"end":2620.0798,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.000634998083114624},{"word":"one","start":2620.0798,"end":2620.3198,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.011989511549472809},{"word":"later","start":2620.3198,"end":2620.8198,"confidence":0.97216797,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.004211093299090862},{"word":"yeah","start":2622.0798,"end":2622.5798,"confidence":0.6879883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09540370106697084},{"word":"yep","start":2625.28,"end":2625.585,"confidence":0.9123535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06907524168491364},{"word":"yep","start":2626.545,"end":2627.045,"confidence":0.9650879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05510383099317551},{"word":"yeah","start":2629.585,"end":2629.9849,"confidence":0.82592773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05286563932895661},{"word":"so","start":2629.9849,"end":2630.145,"confidence":0.6928711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0690380409359932},{"word":"that's","start":2630.145,"end":2630.385,"confidence":0.97802734,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08110569417476654},{"word":"right","start":2630.385,"end":2630.625,"confidence":0.93774414,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07045265287160873},{"word":"so","start":2630.625,"end":2630.705,"confidence":0.72558594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022352952510118484},{"word":"yeah","start":2630.785,"end":2631.025,"confidence":0.97436523,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02279401570558548},{"word":"we","start":2631.025,"end":2631.185,"confidence":0.94384766,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0014053341001272202},{"word":"just","start":2631.185,"end":2631.345,"confidence":0.4309082,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004322543740272522},{"word":"worry","start":2631.345,"end":2631.665,"confidence":0.99609375,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.03369905799627304},{"word":"about","start":2631.665,"end":2631.7449,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.09896311908960342},{"word":"it","start":2631.7449,"end":2631.9849,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06628003716468811},{"word":"if","start":2631.9849,"end":2632.145,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09381890296936037},{"word":"we","start":2632.145,"end":2632.2249,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07814706861972809},{"word":"have","start":2632.2249,"end":2632.385,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09511001408100128},{"word":"to","start":2632.385,"end":2632.625,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07164013385772705},{"word":"sort","start":2632.625,"end":2632.785,"confidence":0.5878906,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04430817812681198},{"word":"of","start":2632.785,"end":2632.865,"confidence":0.8691406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05144583061337471},{"word":"thing","start":2632.865,"end":2633.105,"confidence":0.9370117,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.03708919510245323},{"word":"yeah","start":2633.105,"end":2633.605,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017645161598920822},{"word":"okay","start":2634.145,"end":2634.645,"confidence":0.8510742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08015304058790207},{"word":"no","start":2640.9202,"end":2641.08,"confidence":0.75756836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01751813478767872},{"word":"as","start":2641.08,"end":2641.2402,"confidence":0.984375,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.011227714829146862},{"word":"of","start":2641.2402,"end":2641.4802,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005573436617851257},{"word":"today","start":2641.4802,"end":2641.9802,"confidence":0.8754883,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.007127637974917889},{"word":"yeah","start":2644.36,"end":2644.86,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13319295644760132},{"word":"yeah","start":2645.0,"end":2645.4001,"confidence":0.9265137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11496757715940475},{"word":"no","start":2645.4001,"end":2645.9001,"confidence":0.8305664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.14037489891052246},{"word":"i'm","start":2646.04,"end":2646.12,"confidence":0.8688965,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2174185961484909},{"word":"full","start":2646.12,"end":2646.4402,"confidence":0.90625,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2881286144256592},{"word":"full","start":2646.4402,"end":2646.9402,"confidence":0.6744385,"punctuated_word":"full,","sentiment":"neutral","sentiment_score":0.2868346571922302},{"word":"back","start":2647.4802,"end":2647.8,"confidence":0.9140625,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.192130446434021},{"word":"full","start":2647.8,"end":2648.04,"confidence":0.9921875,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1623019427061081},{"word":"time","start":2648.04,"end":2648.28,"confidence":0.94970703,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.15529243648052216},{"word":"full","start":2648.28,"end":2648.52,"confidence":0.78027344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.17357411980628967},{"word":"hours","start":2648.52,"end":2649.02,"confidence":0.7437744,"punctuated_word":"hours,","sentiment":"neutral","sentiment_score":0.15827077627182007},{"word":"and","start":2649.6401,"end":2650.1401,"confidence":0.7393799,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.13381505012512207},{"word":"virtually","start":2651.4001,"end":2651.9001,"confidence":0.5897217,"punctuated_word":"virtually,","sentiment":"neutral","sentiment_score":0.18425244092941284},{"word":"like","start":2652.04,"end":2652.2002,"confidence":0.9511719,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12687908113002777},{"word":"a","start":2652.2002,"end":2652.36,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15713633596897125},{"word":"five","start":2652.36,"end":2652.6,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08802904188632965},{"word":"week","start":2652.6,"end":2652.84,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0835232362151146},{"word":"trial","start":2652.84,"end":2653.32,"confidence":0.99609375,"punctuated_word":"trial","sentiment":"neutral","sentiment_score":0.12108537554740906},{"word":"for","start":2653.32,"end":2653.4802,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11860976368188858},{"word":"the","start":2653.4802,"end":2653.935,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12451840192079544},{"word":"pre","start":2654.335,"end":2654.575,"confidence":0.8769531,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.0850735530257225},{"word":"injury","start":2654.575,"end":2654.975,"confidence":0.9921875,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":0.08037149906158447},{"word":"duty","start":2654.975,"end":2655.455,"confidence":0.96435547,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.12718969583511353},{"word":"sort","start":2655.455,"end":2655.695,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1587931513786316},{"word":"of","start":2655.695,"end":2655.7751,"confidence":0.9550781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1518549770116806},{"word":"thing","start":2655.7751,"end":2656.0151,"confidence":0.9316406,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.15600445866584778},{"word":"but","start":2656.0151,"end":2656.335,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10679174959659576},{"word":"i","start":2656.335,"end":2656.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11212095618247986},{"word":"still","start":2656.495,"end":2656.815,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1401546150445938},{"word":"have","start":2656.815,"end":2657.0552,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1502867192029953},{"word":"control","start":2657.0552,"end":2657.5352,"confidence":0.99902344,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.0922718197107315},{"word":"with","start":2657.5352,"end":2658.0352,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14751072227954865},{"word":"what","start":2658.175,"end":2658.335,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1593019813299179},{"word":"i'm","start":2658.335,"end":2658.575,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1387944519519806},{"word":"doing","start":2658.575,"end":2658.895,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.18029776215553284},{"word":"as","start":2658.895,"end":2659.135,"confidence":0.7158203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11696718633174896},{"word":"in","start":2659.135,"end":2659.635,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09956058114767076},{"word":"if","start":2660.0151,"end":2660.2551,"confidence":0.85058594,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08980429917573929},{"word":"i'm","start":2660.2551,"end":2660.495,"confidence":0.87076825,"punctuated_word":"I'm,","sentiment":"neutral","sentiment_score":0.0987095758318901},{"word":"you","start":2660.495,"end":2660.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09878438711166382},{"word":"know","start":2660.655,"end":2660.815,"confidence":0.9616699,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08325128257274628},{"word":"if","start":2660.815,"end":2660.975,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09466761350631714},{"word":"i","start":2660.975,"end":2661.135,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07344654202461243},{"word":"think","start":2661.135,"end":2661.2952,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09277908504009248},{"word":"i'm","start":2661.2952,"end":2661.455,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10025864839553832},{"word":"pushing","start":2661.455,"end":2661.855,"confidence":0.9921875,"punctuated_word":"pushing","sentiment":"neutral","sentiment_score":0.0970015823841095},{"word":"a","start":2661.855,"end":2661.935,"confidence":0.7426758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0631912425160408},{"word":"little","start":2661.935,"end":2662.095,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09230007231235504},{"word":"bit","start":2662.095,"end":2662.335,"confidence":0.97265625,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.07860836386680603},{"word":"i","start":2662.335,"end":2662.495,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08953530341386795},{"word":"just","start":2662.495,"end":2662.735,"confidence":0.8442383,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08813978731632233},{"word":"ease","start":2662.735,"end":2663.0552,"confidence":0.95410156,"punctuated_word":"ease","sentiment":"neutral","sentiment_score":0.11230058968067168},{"word":"off","start":2663.0552,"end":2663.5552,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06943343579769135},{"word":"sort","start":2663.935,"end":2664.175,"confidence":0.47192383,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11237726360559464},{"word":"of","start":2664.175,"end":2664.2551,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08988505601882935},{"word":"thing","start":2664.2551,"end":2664.495,"confidence":0.763916,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1280185878276825},{"word":"so","start":2664.495,"end":2664.655,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14263558387756348},{"word":"i'm","start":2664.655,"end":2664.815,"confidence":0.9453125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.228851318359375},{"word":"in","start":2664.815,"end":2664.975,"confidence":0.8828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2235994189977646},{"word":"i'm","start":2664.975,"end":2665.2952,"confidence":0.98657227,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.27229416370391846},{"word":"in","start":2665.2952,"end":2665.455,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25092601776123047},{"word":"control","start":2665.455,"end":2665.935,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.2723284959793091},{"word":"virtually","start":2665.935,"end":2666.435,"confidence":0.8190918,"punctuated_word":"virtually.","sentiment":"neutral","sentiment_score":0.22064119577407837},{"word":"so","start":2667.33,"end":2667.73,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1358046680688858},{"word":"but","start":2667.81,"end":2668.1301,"confidence":0.9838867,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2372603416442871},{"word":"i","start":2668.1301,"end":2668.37,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1058216467499733},{"word":"i","start":2668.37,"end":2668.4502,"confidence":0.8120117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027430333197116852},{"word":"don't","start":2668.4502,"end":2668.6902,"confidence":0.9946289,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.011921634897589684},{"word":"think","start":2668.6902,"end":2668.9302,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.005742944777011871},{"word":"i","start":2668.9302,"end":2669.09,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02802696079015732},{"word":"don't","start":2669.09,"end":2669.33,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0369231179356575},{"word":"think","start":2669.33,"end":2669.57,"confidence":0.9863281,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0064201802015304565},{"word":"i'm","start":2669.57,"end":2669.8901,"confidence":0.826416,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.007442057132720947},{"word":"gonna","start":2669.8901,"end":2670.2102,"confidence":0.56591797,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0345999039709568},{"word":"have","start":2670.2102,"end":2670.4502,"confidence":0.87158203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07453514635562897},{"word":"any","start":2670.4502,"end":2670.6902,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0658135637640953},{"word":"issues","start":2670.6902,"end":2671.01,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.10606230795383452},{"word":"because","start":2671.01,"end":2671.33,"confidence":0.8935547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.00594763457775116},{"word":"i've","start":2671.33,"end":2671.49,"confidence":0.9975586,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0012824933510273695},{"word":"been","start":2671.49,"end":2671.6501,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.015272416174411774},{"word":"going","start":2671.6501,"end":2672.1501,"confidence":0.9716797,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.005868196487426758},{"word":"going","start":2672.61,"end":2672.85,"confidence":0.9550781,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09364433586597444},{"word":"okay","start":2672.85,"end":2673.1702,"confidence":0.9970703,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.08443079143762589},{"word":"for","start":2673.1702,"end":2673.33,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08491969108581543},{"word":"the","start":2673.33,"end":2673.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07907702773809433},{"word":"last","start":2673.49,"end":2673.99,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0569932758808136},{"word":"or","start":2674.4502,"end":2674.61,"confidence":0.27978516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.026829056441783905},{"word":"what","start":2674.61,"end":2674.6902,"confidence":0.80126953,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03878489136695862},{"word":"i","start":2674.6902,"end":2674.85,"confidence":0.9003906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03450191020965576},{"word":"started","start":2674.85,"end":2675.25,"confidence":0.97802734,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.03805007040500641},{"word":"back","start":2675.25,"end":2675.4102,"confidence":0.9951172,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03893614560365677},{"word":"early","start":2675.4102,"end":2675.81,"confidence":0.9819336,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.006048507988452911},{"word":"may","start":2675.81,"end":2676.31,"confidence":0.71972656,"punctuated_word":"May,","sentiment":"neutral","sentiment_score":0.034117501229047775},{"word":"but","start":2676.4102,"end":2676.9102,"confidence":0.56884766,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.030263539403676987},{"word":"it's","start":2677.01,"end":2677.51,"confidence":0.81811523,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05726924538612366},{"word":"been","start":2678.2102,"end":2678.4502,"confidence":0.2512207,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.00686153769493103},{"word":"so","start":2678.6577,"end":2678.865,"confidence":0.95947266,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.021024849265813828},{"word":"it's","start":2679.345,"end":2679.585,"confidence":0.8112793,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03430981561541557},{"word":"virtually","start":2679.585,"end":2680.085,"confidence":0.99902344,"punctuated_word":"virtually","sentiment":"neutral","sentiment_score":0.05171724408864975},{"word":"nearly","start":2681.265,"end":2681.665,"confidence":0.94189453,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":0.034789033234119415},{"word":"two","start":2681.665,"end":2681.825,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.010318871587514876},{"word":"months","start":2681.825,"end":2682.305,"confidence":0.8925781,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.01677706651389599},{"word":"so","start":2682.305,"end":2682.805,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007830675691366196},{"word":"and","start":2683.7449,"end":2684.145,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004594739526510239},{"word":"and","start":2684.145,"end":2684.305,"confidence":0.9082031,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.0006131250411272049},{"word":"yeah","start":2684.305,"end":2684.625,"confidence":0.9230957,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.014012329280376434},{"word":"i","start":2684.625,"end":2684.785,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012918084859848022},{"word":"haven't","start":2684.785,"end":2685.025,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.030087150633335114},{"word":"had","start":2685.025,"end":2685.185,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03467067331075668},{"word":"any","start":2685.185,"end":2685.585,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04414007067680359},{"word":"specific","start":2685.585,"end":2686.065,"confidence":1.0,"punctuated_word":"specific","sentiment":"neutral","sentiment_score":-0.1254342645406723},{"word":"real","start":2686.065,"end":2686.305,"confidence":0.96435547,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.08909489959478378},{"word":"problems","start":2686.305,"end":2686.705,"confidence":0.5917969,"punctuated_word":"problems,","sentiment":"neutral","sentiment_score":-0.12889286875724792},{"word":"so","start":2686.705,"end":2686.945,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1120460033416748},{"word":"i","start":2686.945,"end":2687.025,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1656980812549591},{"word":"don't","start":2687.025,"end":2687.265,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.171726793050766},{"word":"see","start":2687.265,"end":2687.425,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.19546978175640103},{"word":"there's","start":2687.425,"end":2687.665,"confidence":0.78393555,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.21174567937850952},{"word":"gonna","start":2687.665,"end":2687.905,"confidence":0.8691406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17146405577659607},{"word":"be","start":2687.905,"end":2688.145,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17423129081726074},{"word":"too","start":2688.145,"end":2688.225,"confidence":0.99609375,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.20722277462482452},{"word":"much","start":2688.225,"end":2688.465,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.16424468159675598},{"word":"of","start":2688.465,"end":2688.545,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.209439754486084},{"word":"an","start":2688.545,"end":2688.705,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2598944902420044},{"word":"issue","start":2688.705,"end":2689.025,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":-0.2192380428314209},{"word":"going","start":2689.025,"end":2689.345,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.23872388899326324},{"word":"forward","start":2689.345,"end":2689.7449,"confidence":0.97143555,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":-0.19217993319034576},{"word":"so","start":2689.7449,"end":2689.905,"confidence":0.5698242,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05840613692998886},{"word":"the","start":2698.28,"end":2698.4402,"confidence":0.4543457,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20417505502700808},{"word":"only","start":2698.4402,"end":2698.6,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.04676244407892227},{"word":"thing","start":2698.6,"end":2698.76,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.02579832822084427},{"word":"i'm","start":2698.76,"end":2698.9202,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0942537486553192},{"word":"missing","start":2698.9202,"end":2699.32,"confidence":0.9980469,"punctuated_word":"missing","sentiment":"neutral","sentiment_score":-0.1562783122062683},{"word":"i'll","start":2699.48,"end":2699.56,"confidence":0.37524414,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.12068065255880356},{"word":"like","start":2699.6401,"end":2699.72,"confidence":0.8293457,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09752587974071504},{"word":"at","start":2699.72,"end":2699.8801,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14104710519313812},{"word":"the","start":2699.8801,"end":2699.9602,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09141334891319276},{"word":"moment","start":2699.9602,"end":2700.36,"confidence":0.98583984,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.08986981958150864},{"word":"i","start":2700.36,"end":2700.4402,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0868721455335617},{"word":"get","start":2700.4402,"end":2700.6802,"confidence":0.98095703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07345010340213776},{"word":"every","start":2700.6802,"end":2700.9202,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.05606395751237869},{"word":"wednesday","start":2700.9202,"end":2701.32,"confidence":1.0,"punctuated_word":"Wednesday","sentiment":"neutral","sentiment_score":-0.0827488899230957},{"word":"off","start":2701.32,"end":2701.82,"confidence":0.9921875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07296311110258102},{"word":"because","start":2702.12,"end":2702.4402,"confidence":0.90283203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07923239469528198},{"word":"i'm","start":2702.4402,"end":2702.6,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0788811445236206},{"word":"not","start":2702.6,"end":2702.76,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10872913151979446},{"word":"on","start":2702.76,"end":2703.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07603922486305237},{"word":"on","start":2703.0,"end":2703.1602,"confidence":0.9819336,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08270639181137085},{"word":"the","start":2703.1602,"end":2703.32,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09967753291130066},{"word":"full","start":2703.32,"end":2703.48,"confidence":0.48388672,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.059649508446455},{"word":"hours","start":2703.48,"end":2703.72,"confidence":0.92578125,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.05638894438743591},{"word":"or","start":2703.72,"end":2703.8801,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10879246890544891},{"word":"whatever","start":2703.8801,"end":2704.2002,"confidence":0.8947754,"punctuated_word":"whatever,","sentiment":"neutral","sentiment_score":-0.10525663197040558},{"word":"and","start":2704.2002,"end":2704.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08514979481697083},{"word":"they","start":2704.36,"end":2704.76,"confidence":0.9819336,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10694453120231628},{"word":"they","start":2704.76,"end":2705.26,"confidence":0.9482422,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.08729176223278046},{"word":"work","start":2705.48,"end":2705.72,"confidence":0.9863281,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08315002173185349},{"word":"it","start":2705.72,"end":2705.8801,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06270158290863037},{"word":"out","start":2705.8801,"end":2706.04,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05156781151890755},{"word":"a","start":2706.04,"end":2706.12,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09690214693546297},{"word":"bit","start":2706.12,"end":2706.36,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10524766147136688},{"word":"differently","start":2706.36,"end":2706.76,"confidence":0.9279785,"punctuated_word":"differently.","sentiment":"neutral","sentiment_score":-0.09107613563537598},{"word":"but","start":2706.76,"end":2707.0,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03389376401901245},{"word":"when","start":2707.0,"end":2707.1602,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.003637287765741348},{"word":"i","start":2707.1602,"end":2707.32,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010971441864967346},{"word":"go","start":2707.32,"end":2707.48,"confidence":0.7602539,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0032278820872306824},{"word":"back","start":2707.48,"end":2707.98,"confidence":0.9980469,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.0002892371267080307},{"word":"i","start":2708.475,"end":2708.975,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0059676747769117355},{"word":"i","start":2709.3552,"end":2709.5151,"confidence":0.7519531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04807759076356888},{"word":"just","start":2709.5151,"end":2709.675,"confidence":0.8959961,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02857021987438202},{"word":"get","start":2709.675,"end":2709.915,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03868527710437775},{"word":"every","start":2709.915,"end":2710.155,"confidence":0.99316406,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.022419290617108345},{"word":"second","start":2710.155,"end":2710.475,"confidence":0.99902344,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.03432461619377136},{"word":"friday","start":2710.475,"end":2710.875,"confidence":0.99902344,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":-0.039511434733867645},{"word":"instead","start":2710.875,"end":2711.1152,"confidence":0.98828125,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.05571877583861351},{"word":"of","start":2711.1152,"end":2711.2751,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06788753718137741},{"word":"every","start":2711.2751,"end":2711.5151,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.06400321424007416},{"word":"wednesday","start":2711.5151,"end":2711.8352,"confidence":0.9995117,"punctuated_word":"Wednesday.","sentiment":"neutral","sentiment_score":-0.07705266773700714},{"word":"it's","start":2711.8352,"end":2711.995,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.14024028182029724},{"word":"a","start":2711.995,"end":2712.0752,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11702818423509598},{"word":"bit","start":2712.0752,"end":2712.235,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11905311048030852},{"word":"of","start":2712.235,"end":2712.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12272737175226212},{"word":"a","start":2712.475,"end":2712.975,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14549490809440613},{"word":"bit","start":2713.1152,"end":2713.2751,"confidence":0.97265625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1335906833410263},{"word":"of","start":2713.2751,"end":2713.435,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1415141373872757},{"word":"a","start":2713.435,"end":2713.5151,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15345528721809387},{"word":"drop","start":2713.5151,"end":2713.8352,"confidence":0.99609375,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.10573037713766098},{"word":"that","start":2713.8352,"end":2713.915,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1350679248571396},{"word":"way","start":2713.915,"end":2714.0752,"confidence":0.80444336,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":-0.12725648283958435},{"word":"but","start":2714.0752,"end":2714.235,"confidence":0.8786621,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.021911608055233955},{"word":"i","start":2714.235,"end":2714.3152,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011644991114735603},{"word":"mean","start":2714.3152,"end":2714.5552,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.008754165843129158},{"word":"they're","start":2714.5552,"end":2714.715,"confidence":0.7553711,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.013503571972250938},{"word":"they're","start":2714.715,"end":2714.875,"confidence":0.8208008,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.011502730660140514},{"word":"just","start":2714.875,"end":2715.0352,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043756235390901566},{"word":"going","start":2715.0352,"end":2715.195,"confidence":0.93847656,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03726818412542343},{"word":"back","start":2715.195,"end":2715.3552,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0613977387547493},{"word":"to","start":2715.3552,"end":2715.5151,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08097308874130249},{"word":"the","start":2715.5151,"end":2715.5952,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07499273121356964},{"word":"normal","start":2715.5952,"end":2715.995,"confidence":1.0,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":0.07899050414562225},{"word":"setup","start":2715.995,"end":2716.3152,"confidence":0.91259766,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":0.048735082149505615},{"word":"anyway","start":2716.3152,"end":2716.635,"confidence":0.7687988,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.03640761226415634},{"word":"so","start":2716.635,"end":2716.875,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03328888490796089},{"word":"it's","start":2716.875,"end":2717.0352,"confidence":0.9406738,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03000659868121147},{"word":"what","start":2717.0352,"end":2717.195,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.031174857169389725},{"word":"i'm","start":2717.195,"end":2717.3552,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.018548671156167984},{"word":"used","start":2717.3552,"end":2717.5952,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.02309371531009674},{"word":"to","start":2717.5952,"end":2718.0952,"confidence":0.97314453,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.0133857112377882},{"word":"but","start":2718.635,"end":2719.0352,"confidence":0.90283203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04018710553646088},{"word":"it","start":2719.0352,"end":2719.1152,"confidence":0.3395996,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07154568284749985},{"word":"was","start":2719.1152,"end":2719.2751,"confidence":0.9350586,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06726624816656113},{"word":"just","start":2719.2751,"end":2719.5151,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31890639662742615},{"word":"handy","start":2719.5151,"end":2719.8352,"confidence":0.6635742,"punctuated_word":"handy","sentiment":"neutral","sentiment_score":0.26352667808532715},{"word":"having","start":2719.8352,"end":2720.0752,"confidence":0.33789062,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2583242654800415},{"word":"an","start":2720.0752,"end":2720.235,"confidence":0.40185547,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22929629683494568},{"word":"extra","start":2720.235,"end":2720.475,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.22746600210666656},{"word":"wednesday","start":2720.475,"end":2720.975,"confidence":0.9975586,"punctuated_word":"Wednesday.","sentiment":"neutral","sentiment_score":0.2042219042778015},{"word":"yep","start":2737.735,"end":2738.235,"confidence":0.9526367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25215503573417664},{"word":"yeah","start":2741.8152,"end":2742.3152,"confidence":0.94921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16180723905563354},{"word":"yep","start":2747.5752,"end":2748.0752,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16860166192054749},{"word":"yes","start":2757.8599,"end":2758.3599,"confidence":0.6463623,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.055104319006204605},{"word":"yes","start":2763.6199,"end":2764.1199,"confidence":0.87646484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08778732270002365},{"word":"yep","start":2778.5999,"end":2779.0999,"confidence":0.84521484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3129637837409973},{"word":"no","start":2781.3198,"end":2781.5598,"confidence":0.98828125,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.15923425555229187},{"word":"worries","start":2781.5598,"end":2781.8,"confidence":0.96606445,"punctuated_word":"worries,","sentiment":"neutral","sentiment_score":0.18933916091918945},{"word":"mate","start":2781.8,"end":2782.1199,"confidence":0.9909668,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.22825156152248385},{"word":"thank","start":2782.1199,"end":2782.28,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.48469993472099304},{"word":"you","start":2782.28,"end":2782.44,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5561335682868958},{"word":"very","start":2782.44,"end":2782.68,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5488860011100769},{"word":"much","start":2782.68,"end":2783.0,"confidence":0.9592285,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.5732145309448242},{"word":"dana","start":2783.0,"end":2783.4,"confidence":0.5988159,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.46504873037338257},{"word":"i","start":2783.4,"end":2783.48,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2851337194442749},{"word":"appreciate","start":2783.48,"end":2783.96,"confidence":0.9873047,"punctuated_word":"appreciate","sentiment":"neutral","sentiment_score":0.301392525434494},{"word":"that","start":2783.96,"end":2784.46,"confidence":0.9904785,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.143924742937088},{"word":"i","start":2789.885,"end":2790.045,"confidence":0.41259766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2993968725204468},{"word":"don't","start":2790.045,"end":2790.165,"confidence":0.9238281,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.25441452860832214},{"word":"know","start":2790.165,"end":2790.285,"confidence":0.98535156,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2980273365974426},{"word":"what","start":2790.285,"end":2790.525,"confidence":0.94921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2441127449274063},{"word":"happened","start":2790.525,"end":2791.025,"confidence":0.9831543,"punctuated_word":"happened.","sentiment":"neutral","sentiment_score":-0.24448078870773315},{"word":"that's","start":2793.325,"end":2793.4849,"confidence":0.6756592,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0858926773071289},{"word":"what","start":2793.4849,"end":2793.645,"confidence":0.89990234,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05751455947756767},{"word":"i","start":2793.645,"end":2793.7249,"confidence":0.90283203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09470657259225844},{"word":"said","start":2793.7249,"end":2793.805,"confidence":0.9951172,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.1024107187986374},{"word":"to","start":2793.805,"end":2793.9648,"confidence":0.9248047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08568590879440308},{"word":"michelle","start":2793.9648,"end":2794.365,"confidence":0.9902344,"punctuated_word":"Michelle","sentiment":"neutral","sentiment_score":0.10800985991954803},{"word":"when","start":2794.365,"end":2794.525,"confidence":0.5722656,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.06599292159080505},{"word":"she","start":2794.525,"end":2794.685,"confidence":0.45629883,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0459626168012619},{"word":"jumped","start":2794.685,"end":2794.925,"confidence":0.62402344,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":0.07641161978244781},{"word":"on","start":2794.925,"end":2795.005,"confidence":0.23901367,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06256039440631866},{"word":"and","start":2795.005,"end":2795.085,"confidence":0.49267578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056587107479572296},{"word":"said","start":2795.085,"end":2795.405,"confidence":0.8820801,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.052173808217048645},{"word":"ah","start":2795.405,"end":2795.805,"confidence":0.5209961,"punctuated_word":"ah.","sentiment":"neutral","sentiment_score":0.07015402615070343},{"word":"because","start":2795.805,"end":2796.125,"confidence":0.39526367,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.013338729739189148},{"word":"i","start":2796.125,"end":2796.285,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019449498504400253},{"word":"i","start":2796.285,"end":2796.445,"confidence":0.90625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0349799245595932},{"word":"thought","start":2796.445,"end":2796.605,"confidence":0.98828125,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.024385035037994385},{"word":"it","start":2796.605,"end":2796.765,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01906360685825348},{"word":"was","start":2796.765,"end":2796.925,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.004382111132144928},{"word":"you","start":2796.925,"end":2797.085,"confidence":0.7680664,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.006245777010917664},{"word":"so","start":2797.085,"end":2797.2449,"confidence":0.9716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0017455890774726868},{"word":"i","start":2797.2449,"end":2797.325,"confidence":0.8510742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014566075056791306},{"word":"said","start":2797.325,"end":2797.565,"confidence":0.9238281,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.0005016662180423737},{"word":"hey","start":2797.565,"end":2797.645,"confidence":0.63964844,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.01124493032693863},{"word":"you're","start":2797.645,"end":2797.805,"confidence":0.390625,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.03826146200299263},{"word":"going","start":2797.805,"end":2797.9648,"confidence":0.9013672,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.005908995866775513},{"word":"down","start":2797.9648,"end":2798.2048,"confidence":0.595459,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":-0.012610934674739838},{"word":"i","start":2798.2048,"end":2798.285,"confidence":0.47583008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020501740276813507},{"word":"told","start":2798.285,"end":2798.525,"confidence":0.33544922,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.023166321218013763},{"word":"her","start":2798.525,"end":2798.725,"confidence":0.23321533,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.011650849133729936},{"word":"she's","start":2798.725,"end":2798.925,"confidence":0.30651855,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.024310048669576645},{"word":"on","start":2798.925,"end":2799.125,"confidence":0.4244995,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.026498813182115555},{"word":"i","start":2799.125,"end":2799.325,"confidence":0.44628906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020123835653066635},{"word":"said","start":2799.325,"end":2799.825,"confidence":0.77246094,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.025864750146865845},{"word":"oh","start":2800.445,"end":2800.685,"confidence":0.5106201,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.032980777323246},{"word":"okay","start":2800.685,"end":2801.085,"confidence":0.7248535,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.022428756579756737},{"word":"i","start":2801.085,"end":2801.165,"confidence":0.9243164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.047685690224170685},{"word":"said","start":2801.165,"end":2801.405,"confidence":0.83325195,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.040188126266002655},{"word":"i've","start":2801.405,"end":2801.645,"confidence":0.7272949,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.11664479970932008},{"word":"i've","start":2801.645,"end":2801.805,"confidence":0.95996094,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.13822241127490997},{"word":"got","start":2801.805,"end":2802.045,"confidence":0.3544922,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.19820363819599152},{"word":"guess","start":2802.045,"end":2802.285,"confidence":0.62158203,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.16503039002418518},{"word":"what's","start":2802.285,"end":2802.525,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.23158232867717743},{"word":"gonna","start":2802.525,"end":2802.765,"confidence":0.9760742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18849943578243256},{"word":"happen","start":2802.765,"end":2803.23,"confidence":0.90893555,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.1455174833536148},{"word":"because","start":2803.39,"end":2803.63,"confidence":0.94970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.05914941430091858},{"word":"as","start":2803.63,"end":2803.71,"confidence":0.90771484,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04350052028894424},{"word":"soon","start":2803.71,"end":2803.95,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.07377266883850098},{"word":"as","start":2803.95,"end":2804.1099,"confidence":0.96533203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0811978280544281},{"word":"it","start":2804.1099,"end":2804.19,"confidence":0.55371094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10171632468700408},{"word":"started","start":2804.19,"end":2804.35,"confidence":0.9667969,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.10098224133253098},{"word":"to","start":2804.35,"end":2804.51,"confidence":0.5151367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13192741572856903},{"word":"go","start":2804.51,"end":2804.75,"confidence":0.9921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11783722788095474},{"word":"over","start":2804.75,"end":2804.91,"confidence":0.8574219,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.06326840817928314},{"word":"time","start":2804.91,"end":2805.15,"confidence":0.8129883,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.09610962867736816},{"word":"i","start":2805.15,"end":2805.31,"confidence":0.5107422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1446664333343506},{"word":"did","start":2805.31,"end":2805.4302,"confidence":0.3701172,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.14291758835315704},{"word":"i","start":2805.4302,"end":2805.55,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12359149008989334},{"word":"thought","start":2805.55,"end":2805.79,"confidence":0.8955078,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.1258508265018463},{"word":"oh","start":2805.79,"end":2805.8699,"confidence":0.68078613,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.20584411919116977},{"word":"no","start":2805.8699,"end":2806.03,"confidence":0.70910645,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.245012104511261},{"word":"she's","start":2806.03,"end":2806.27,"confidence":0.91625977,"punctuated_word":"She's","sentiment":"negative","sentiment_score":-0.3885024189949035},{"word":"got","start":2806.27,"end":2806.51,"confidence":0.9970703,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.4466823935508728},{"word":"caught","start":2806.51,"end":2807.01,"confidence":0.9790039,"punctuated_word":"caught.","sentiment":"neutral","sentiment_score":-0.32576388120651245},{"word":"and","start":2808.35,"end":2808.51,"confidence":0.81640625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11083328723907472},{"word":"i","start":2808.51,"end":2808.67,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19823390245437625},{"word":"was","start":2808.67,"end":2808.83,"confidence":0.98828125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.25179439783096313},{"word":"gonna","start":2808.83,"end":2809.07,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18578767776489255},{"word":"say","start":2809.07,"end":2809.31,"confidence":0.86035156,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.17520180344581604},{"word":"if","start":2809.31,"end":2809.55,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.15504875779151917},{"word":"you","start":2809.55,"end":2809.95,"confidence":0.92822266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07373964041471481},{"word":"if","start":2809.95,"end":2810.27,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0943473055958748},{"word":"you","start":2810.27,"end":2810.43,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10163509845733644},{"word":"did","start":2810.43,"end":2810.67,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08257602155208588},{"word":"ring","start":2810.67,"end":2810.83,"confidence":0.9892578,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.1008085310459137},{"word":"up","start":2810.83,"end":2810.99,"confidence":0.9914551,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.1281788945198059},{"word":"i","start":2810.99,"end":2811.07,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09076671302318572},{"word":"was","start":2811.07,"end":2811.23,"confidence":0.9741211,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11352894455194472},{"word":"just","start":2811.23,"end":2811.39,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08461660146713257},{"word":"gonna","start":2811.39,"end":2811.63,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07824264466762543},{"word":"say","start":2811.63,"end":2811.79,"confidence":0.97753906,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.06128649413585663},{"word":"look","start":2811.79,"end":2811.95,"confidence":0.7805176,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.09898580610752106},{"word":"go","start":2811.95,"end":2812.19,"confidence":0.9970703,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":-0.0672234296798706},{"word":"home","start":2812.19,"end":2812.43,"confidence":0.53149414,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.09879681468009947},{"word":"and","start":2812.43,"end":2812.51,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03544961288571358},{"word":"we'll","start":2812.51,"end":2812.75,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.00343032437376678},{"word":"talk","start":2812.75,"end":2812.91,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.0023351162672042847},{"word":"about","start":2812.91,"end":2813.23,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0033216476440429688},{"word":"it","start":2813.23,"end":2813.31,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01303805410861969},{"word":"later","start":2813.31,"end":2813.63,"confidence":0.99902344,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.0006424114108085632},{"word":"because","start":2813.63,"end":2814.03,"confidence":0.69433594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.004682362079620361},{"word":"you've","start":2814.03,"end":2814.27,"confidence":0.80371094,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.021953284740448},{"word":"got","start":2814.27,"end":2814.35,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03620384633541107},{"word":"a","start":2814.35,"end":2814.43,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030426830053329468},{"word":"long","start":2814.43,"end":2814.67,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.07562319934368134},{"word":"way","start":2814.67,"end":2814.83,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.017616942524909973},{"word":"to","start":2814.83,"end":2814.99,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.052614614367485046},{"word":"go","start":2814.99,"end":2815.23,"confidence":0.93115234,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.06628146767616272},{"word":"so","start":2815.23,"end":2815.725,"confidence":0.6347656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10547693073749542},{"word":"it's","start":2815.725,"end":2816.225,"confidence":0.66625977,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13076552748680115},{"word":"yep","start":2824.8452,"end":2825.3452,"confidence":0.86588544,"punctuated_word":"yep.","sentiment":"positive","sentiment_score":0.3653166890144348},{"word":"yep","start":2825.965,"end":2826.125,"confidence":0.72717285,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4179979264736175},{"word":"you're","start":2826.125,"end":2826.365,"confidence":0.64941406,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.5745527744293213},{"word":"good","start":2826.365,"end":2826.605,"confidence":0.8786621,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.5451898574829102},{"word":"mate","start":2826.605,"end":2827.105,"confidence":0.9975586,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.5246158838272095},{"word":"yeah","start":2828.205,"end":2828.705,"confidence":0.9406738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21767526865005493},{"word":"alright","start":2828.7651,"end":2829.245,"confidence":0.9785156,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.3122037649154663},{"word":"no","start":2829.245,"end":2829.405,"confidence":0.99902344,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.33831995725631714},{"word":"worries","start":2829.405,"end":2829.725,"confidence":0.9838867,"punctuated_word":"worries,","sentiment":"positive","sentiment_score":0.4931680560111999},{"word":"dana","start":2829.725,"end":2829.965,"confidence":0.892334,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.4974548518657684},{"word":"thank","start":2829.965,"end":2830.205,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7578675150871277},{"word":"you","start":2830.205,"end":2830.365,"confidence":0.8605957,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.7582383751869202},{"word":"and","start":2830.365,"end":2830.5251,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7061896324157715},{"word":"you","start":2830.5251,"end":2830.7651,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8051498532295227},{"word":"take","start":2830.7651,"end":2830.925,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.828914999961853},{"word":"care","start":2830.925,"end":2831.31,"confidence":0.99316406,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.7573280334472656},{"word":"okay","start":2833.55,"end":2834.05,"confidence":0.9790039,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.30772557854652405},{"word":"okay","start":2834.35,"end":2834.75,"confidence":0.9890137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22175313532352448},{"word":"you","start":2834.75,"end":2834.9102,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.16198106110095978},{"word":"too","start":2834.9102,"end":2835.23,"confidence":0.9926758,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.20247960090637207},{"word":"see","start":2835.23,"end":2835.3901,"confidence":0.9941406,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.25968992710113525},{"word":"you","start":2835.3901,"end":2835.8901,"confidence":0.9880371,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.34685444831848145},{"word":"yep","start":2837.07,"end":2837.57,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.09633678197860718}],"paragraphs":{"transcript":"\nHello, Dana. I'm good, mate. How are you going? Not bad, mate. Not bad.\n\nYeah. Can't complain. Yeah, mate. No. That's far away.\n\nYep. Yep. Got it all open, ready to go. Yep. I had to skim through it last night.\n\nYeah. And and, you know, only a quick one, but I had a look through it, mate. And and I think just from what I could see, like, not knowing the ins and outs specifically, but it's it's pretty well what I want. I don't I don't know. Just the way things are going, I don't you know, I just wanna have it nice and easy and and whatever and and virtually just try and get as much into my super as I can, really, is what I'm trying to to pump in.\n\nSo Yeah. Yeah. No. That was good. That was yesterday, and I'm back to full time, back to pre injury duty.\n\nSo it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay. So Yep. Oh, you reckon? Oh, well, yeah. It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but, you know, what I said to the doctor, I said, no.\n\nI don't want that. I wanna just get back as soon as I can because everything's working okay where everything's good. And, you know, it's alright for them to do that because they're not losing money. So they don't they don't particularly worry about that side of it. But anyway, that's all good.\n\nYep. This is this is the statement of advice. Yep. Okay. Hang on.\n\nYep. Got him. Yeah. Got him now. Well, I had everything lined up, but I didn't know which one you're gonna look at first.\n\nSo Yep. Yep. Yep. Yep. Yep.\n\nYep. That's cool. Yep. Yes. Yes.\n\nThat's no worries. Yep. No worries. Octolio is fine. Okay.\n\nPage nine nine. Yep. Yep. Yep. Yep.\n\nYep. Uh-huh. Yep. Okay. Got it.\n\nSo, yeah, they if they don't perform, they're they're kicked out. Yep. Mhmm. Okay. Yep.\n\nYep. Mhmm. Okay. Yep. Yep.\n\nYep. Yep. No problem. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Not a problem. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. K. Gotcha.\n\nYeah. Right. Yeah. Yep. Not a worry.\n\nYeah. Yes. Correct. Okay. Yep.\n\nYeah. It's not yet. Yep. Yep. K.\n\nMhmm. Yes. Yep. Happy with that. Yeah.\n\nYeah. That's right. It makes sense. I mean, you just gotta keep following them. Well, I mean, it's hard, but it's easy for you to say that.\n\nI don't I don't get a lot of what you, you know, what you fellas do. But, I mean, you you just know where you are sort of thing. So you virtually, you're following the flow the same as anyone would in any business. But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually. So, I mean, a lot of this stuff is in the dark for me, but I'm I'm getting what you're saying.\n\nAnd it and it all and it all makes sense. You know? So so that's good. But it'd be I'm I'm I'm happy with with the way we're going and and the direction we're going at the moment anyway. So that's that's the main thing.\n\nYes. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Fantastic. Yep.\n\nYep. Yep. Got that. Yes. Yes.\n\nYep. Yep. Sounds good. Yeah. That's right.\n\nExactly. You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever. But then when I finally got a a permanent job, I started to actually put a bit of because the old man said to me, you know, you have you looked at super? And I said, well, no. You don't do that when you're young.\n\nYou know? Like, and he said, well you know, because he he used to work for the the hospital, so he was in a government setup. And they had a good system sort of thing, and he said, well, you should start looking at it. He said, you know, you don't have to, but you should start putting something away. So I did.\n\nAnd I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else. And and, yeah, some for some reason, it was just sort of left behind. Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually start putting anything myself or into super at all. But, anyway, I mean, eventually, like, we're getting to this point. It should I should have been a lot better off, obviously, which we all say that, but it's just one of those things that life is what it is.\n\nAnd, you know but I mean, I I'm I'm not gonna be unhappy with what what we're working towards. So yeah. Yes. Yes. Yeah.\n\nCool. That's all. Yep. Yeah. Yeah.\n\nThat's right. Yeah. That's why I take a take a bit of money. Yeah. Yep.\n\nYes. Yep. Yeah. Yeah. Yeah.\n\nYeah. No. That's fine. Yep. Yeah.\n\nYeah. No. That's right. Yeah. Yeah.\n\nGotcha. Yeah. Right. Yeah. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nNot a problem. Yep. Yep. Mhmm. Yes, ma'am.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Mhmm. Mhmm. Right. Yeah.\n\nYeah. Yeah. Yep. Yep. No.\n\nNo. That's the way it is. It's it it all looks good. Like, you know, I mean, if it's as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem. You know?\n\nAnd and and that's what you're getting paid for sort of thing. So, you know, but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before. So I'm I'm I'm laughing. You know? So Yeah.\n\nYep. Yep. Yeah. Yeah. Well, I thought once I once I get settled down again, yeah, I'll I'll send you the the latest payslips or whatever.\n\nAnd then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway. So I'll put in for a wage review and and whatever. It's taken two bloody years. But anyway, yeah, we've had a lot of stuff going on with council. But anyway yeah.\n\nSo hopefully, like, I'm in the I'm in the wings for another pay rise anyway. So that'll go up again. Fingers crossed. So Yep. Yep.\n\nOkay. Thank you. Yes. Yes. Yep.\n\nYes. Yes. Gotcha. Yes. Oh, okay.\n\nI thought that I thought it might be a like a one off. Once you do it, that shit, you can't go back. Yep. Yes. Yep.\n\nYep. Yes. Working very well. Yeah. Yep.\n\nI thought that's it. Yes. Oh, okay. Right here. Yeah.\n\nNo. Excellent. Good. Yep. Yep.\n\nYep. Okay. Yeah. Sounds good. Yeah.\n\nOh, I don't know about the fun bit, but it's been it's been a bit of a yeah. It's been a haul, but, you know, like, I'm just I'm just I just don't want it to I just didn't want it to sort of go on too much longer sort of thing. And and, I mean, everyone everyone was okay with with it at work and everything else. And and, you know, I said the doctor's on my side anyway. So that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point.\n\nSo and I think in the long run, virtually, it's it's me. Like, I'm the one that says, well, I wanna do this or no. I wanna extend it or whatever. That's I think that's the whole point. It it should be up to me.\n\nSo and I'm happy. So I don't know, you know, I don't care what the other father was saying. So I'm I'm I'm happy with what I'm doing. So that's that's the money. And and, you know, they can they can go jump.\n\nOh, yeah. My word. My word. It's it's made all the difference. Don't get me wrong.\n\nBut, yeah, I'm I'm re I'm ready to get back into it. So yeah. There it is. No. That's it.\n\nExactly right. Everything nothing's coming down, mate, too too well. But, yeah, it's, you know, you you see the other side of it too. You're you're a mom, and you're looking after the, you know, the household side, I guess, or whatever. But that's it.\n\nAnd, you know, they're not making it easy for us, so we gotta try and grab what we can when we can. Yep. Yeah. Yeah. Exactly.\n\nYep. Yes. Yeah. I believe. Yeah.\n\nYeah. Yes. Yes. Yes. Oh, my word.\n\nYes. Yep. Yep. Yes. Yes.\n\nYes. Yep. No. It sounds good, Mike. Sounds good.\n\nOkay. Yep. Yep. Yep. Yes.\n\nYep. No worries. Mhmm. That'd be fine. Yeah.\n\nYeah. No. That'd be fine. Yeah. Mhmm.\n\nYep. Yep. Yep. Not not a problem, mate. That'd be great.\n\nThank you. No, mate. No. It's just a matter of it. It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there.\n\nBut, you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you know, like, in the long run sort of thing. But, I mean, yeah, I'm I'm I'm happy with what we've ended up with. That's, you know, that's I'm I'm glad you sort of think about that. So, you know, and I talked to Carrie or whatever, and and I said, well, we're we're still getting a benefit or you still get a benefit. But but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go.\n\nSo, you know yeah. Just just just keeping her covered. Yep. Yes. Yes.\n\nYep. No worries at all. That'd be great. Lovely. Yeah.\n\nOh, yeah. Mhmm. It it'll probably probably be about two weeks, I think, by the time that one comes through. So Yeah. Yes.\n\nOkay. But there's nothing I've got to sign on this stuff at the moment? Yeah. Yeah. Now what I mean what I mean was with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup sort of thing?\n\nOr Yeah. So so virtually virtually when I'm happy with this, sign this one and get it out of the way, and then we'll worry about the other one later. Yeah. Yep. Yep.\n\nYeah. So that's right. So yeah. We just worry about it if we have to sort of thing. Yeah.\n\nOkay. No. As of today. Yeah. Yeah.\n\nNo. I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing. So I'm in I'm in control virtually. So but I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's been so it's virtually nearly two months. So and and, yeah, I haven't had any specific real problems, so I don't see there's gonna be too much of an issue going forward.\n\nSo The only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently. But when I go back, I I just get every second Friday instead of every Wednesday. It's a bit of a bit of a drop that way. But, I mean, they're they're just going back to the normal setup anyway, so it's what I'm used to. But it was just handy having an extra Wednesday.\n\nYep. Yeah. Yep. Yes. Yes.\n\nYep. No worries, mate. Thank you very much, Dana. I appreciate that. I don't know what happened.\n\nThat's what I said to Michelle when she jumped on and said, ah. Because I I thought it was you. So I said, hey. You're going down? I told her.\n\nShe's on. I said, oh, okay. I said, I've I've got guess what's gonna happen. Because as soon as it started to go over time, I did. I thought, oh, no.\n\nShe's got caught. And I was gonna say, if you if you did ring up, I was just gonna say, look. Go home, and we'll talk about it later because you've got a long way to go. So it's yep. Yep.\n\nYou're good, mate. Yeah. Alright. No worries, Dana. Thank you, and you take care.\n\nOkay. Okay. You too. See you. Yep.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":1.4399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.058650067076087},{"text":"I'm good, mate.","start":5.7599998,"end":6.48,"sentiment":"positive","sentiment_score":0.5711513956387838},{"text":"How are you going?","start":6.48,"end":7.2999997,"sentiment":"positive","sentiment_score":0.4296884685754776},{"text":"Not bad, mate.","start":11.04,"end":11.84,"sentiment":"neutral","sentiment_score":0.22600814700126648},{"text":"Not bad.","start":11.84,"end":12.465,"sentiment":"neutral","sentiment_score":0.1858997941017151}],"sentiment":"neutral","sentiment_score":0.32852373032697607,"num_words":14,"start":1.4399999,"end":12.465},{"sentences":[{"text":"Yeah.","start":12.625,"end":12.945,"sentiment":"neutral","sentiment_score":0.141207754611969},{"text":"Can't complain.","start":12.945,"end":13.6050005,"sentiment":"neutral","sentiment_score":0.08158059045672417},{"text":"Yeah, mate.","start":20.625,"end":21.105,"sentiment":"neutral","sentiment_score":-0.025245598517358303},{"text":"No.","start":21.105,"end":21.345001,"sentiment":"neutral","sentiment_score":-0.14220541715621948},{"text":"That's far away.","start":21.345001,"end":22.965,"sentiment":"neutral","sentiment_score":-0.19879480202992758}],"sentiment":"neutral","sentiment_score":-0.05385689830614461,"num_words":9,"start":12.625,"end":22.965},{"sentences":[{"text":"Yep.","start":26.95,"end":27.27,"sentiment":"neutral","sentiment_score":0.019752588123083115},{"text":"Yep.","start":27.27,"end":27.51,"sentiment":"neutral","sentiment_score":0.03609585016965866},{"text":"Got it all open, ready to go.","start":27.51,"end":29.029999,"sentiment":"neutral","sentiment_score":0.09919503331184387},{"text":"Yep.","start":29.029999,"end":29.529999,"sentiment":"neutral","sentiment_score":0.0826578140258789},{"text":"I had to skim through it last night.","start":32.87,"end":36.23,"sentiment":"neutral","sentiment_score":0.012147530913352966}],"sentiment":"neutral","sentiment_score":0.051669540711575083,"num_words":18,"start":26.95,"end":36.23},{"sentences":[{"text":"Yeah.","start":36.23,"end":36.73,"sentiment":"neutral","sentiment_score":0.03333939611911774},{"text":"And and, you know, only a quick one, but I had a look through it, mate.","start":36.79,"end":40.125,"sentiment":"neutral","sentiment_score":0.03657972766086459},{"text":"And and I think just from what I could see, like, not knowing the ins and outs specifically, but it's it's pretty well what I want.","start":40.125,"end":47.504997,"sentiment":"neutral","sentiment_score":0.050998684735252306},{"text":"I don't I don't know.","start":49.805,"end":50.845,"sentiment":"neutral","sentiment_score":-0.044756346940994264},{"text":"Just the way things are going, I don't you know, I just wanna have it nice and easy and and whatever and and virtually just try and get as much into my super as I can, really, is what I'm trying to to pump in.","start":50.845,"end":63.63,"sentiment":"neutral","sentiment_score":0.04422490735434824}],"sentiment":"neutral","sentiment_score":0.03990236492527108,"num_words":93,"start":36.23,"end":63.63},{"sentences":[{"text":"So Yeah.","start":63.63,"end":64.54,"sentiment":"neutral","sentiment_score":0.052194368094205856},{"text":"Yeah.","start":71.615,"end":72.015,"sentiment":"neutral","sentiment_score":0.012058465741574764},{"text":"No.","start":72.015,"end":72.255,"sentiment":"neutral","sentiment_score":0.019129203632473946},{"text":"That was good.","start":72.255,"end":72.814995,"sentiment":"neutral","sentiment_score":0.1048148547609647},{"text":"That was yesterday, and I'm back to full time, back to pre injury duty.","start":72.814995,"end":77.534996,"sentiment":"neutral","sentiment_score":0.08554355800151825}],"sentiment":"neutral","sentiment_score":0.07845860866031476,"num_words":21,"start":63.63,"end":77.534996},{"sentences":[{"text":"So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay.","start":77.534996,"end":86.56,"sentiment":"neutral","sentiment_score":0.04760064079385737},{"text":"So Yep.","start":86.56,"end":89.54,"sentiment":"neutral","sentiment_score":0.17365287244319916},{"text":"Oh, you reckon?","start":94.475,"end":95.375,"sentiment":"neutral","sentiment_score":0.10075430447856586},{"text":"Oh, well, yeah.","start":100.475,"end":101.19499,"sentiment":"neutral","sentiment_score":0.02445223554968834},{"text":"It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but, you know, what I said to the doctor, I said, no.","start":101.19499,"end":109.63,"sentiment":"neutral","sentiment_score":-0.08766513613185713}],"sentiment":"neutral","sentiment_score":-0.018947570627047258,"num_words":66,"start":77.534996,"end":109.63},{"sentences":[{"text":"I don't want that.","start":109.63,"end":110.19,"sentiment":"negative","sentiment_score":-0.3513365164399147},{"text":"I wanna just get back as soon as I can because everything's working okay where everything's good.","start":110.19,"end":114.13,"sentiment":"neutral","sentiment_score":-0.009362673058229335},{"text":"And, you know, it's alright for them to do that because they're not losing money.","start":114.590004,"end":118.35,"sentiment":"neutral","sentiment_score":0.19270197947820028},{"text":"So they don't they don't particularly worry about that side of it.","start":118.35,"end":121.630005,"sentiment":"neutral","sentiment_score":-0.006038143144299586},{"text":"But anyway, that's all good.","start":121.630005,"end":124.185,"sentiment":"neutral","sentiment_score":0.21386858373880385}],"sentiment":"neutral","sentiment_score":0.04382836576199756,"num_words":53,"start":109.63,"end":124.185},{"sentences":[{"text":"Yep.","start":127.845,"end":128.345,"sentiment":"neutral","sentiment_score":0.06075865775346756},{"text":"This is this is the statement of advice.","start":132.085,"end":134.185,"sentiment":"neutral","sentiment_score":0.015077500138431787},{"text":"Yep.","start":135.925,"end":136.425,"sentiment":"neutral","sentiment_score":0.05220358073711395},{"text":"Okay.","start":136.485,"end":136.885,"sentiment":"neutral","sentiment_score":0.03737993910908699},{"text":"Hang on.","start":136.885,"end":137.43,"sentiment":"neutral","sentiment_score":0.019551459699869156}],"sentiment":"neutral","sentiment_score":0.02385116139283547,"num_words":13,"start":127.845,"end":137.43},{"sentences":[{"text":"Yep.","start":139.18999,"end":139.51,"sentiment":"neutral","sentiment_score":0.02302003651857376},{"text":"Got him.","start":139.51,"end":139.90999,"sentiment":"neutral","sentiment_score":0.017455127090215683},{"text":"Yeah.","start":139.90999,"end":140.15,"sentiment":"neutral","sentiment_score":-0.003971640951931477},{"text":"Got him now.","start":140.15,"end":141.04999,"sentiment":"neutral","sentiment_score":-0.10873060673475266},{"text":"Well, I had everything lined up, but I didn't know which one you're gonna look at first.","start":143.43,"end":146.70999,"sentiment":"neutral","sentiment_score":-0.07081383379066691}],"sentiment":"neutral","sentiment_score":-0.06150284770410508,"num_words":24,"start":139.18999,"end":146.70999},{"sentences":[{"text":"So Yep.","start":146.70999,"end":168.305,"sentiment":"neutral","sentiment_score":0.010308291763067245},{"text":"Yep.","start":202.73001,"end":203.23001,"sentiment":"neutral","sentiment_score":0.07656097412109375},{"text":"Yep.","start":208.49,"end":208.875,"sentiment":"neutral","sentiment_score":0.013465799391269684},{"text":"Yep.","start":223.06999,"end":223.56999,"sentiment":"neutral","sentiment_score":0.059353917837142944},{"text":"Yep.","start":229.62999,"end":230.11,"sentiment":"neutral","sentiment_score":0.07566222548484802}],"sentiment":"neutral","sentiment_score":0.04094325006008148,"num_words":6,"start":146.70999,"end":230.11},{"sentences":[{"text":"Yep.","start":230.11,"end":230.43,"sentiment":"neutral","sentiment_score":0.19581656157970428},{"text":"That's cool.","start":230.43,"end":231.25,"sentiment":"positive","sentiment_score":0.720782995223999},{"text":"Yep.","start":236.75,"end":237.25,"sentiment":"neutral","sentiment_score":0.1452540010213852},{"text":"Yes.","start":241.175,"end":241.655,"sentiment":"neutral","sentiment_score":0.1368350237607956},{"text":"Yes.","start":241.655,"end":241.975,"sentiment":"neutral","sentiment_score":0.12217700481414796}],"sentiment":"positive","sentiment_score":0.34027476360400516,"num_words":6,"start":230.11,"end":241.975},{"sentences":[{"text":"That's no worries.","start":241.975,"end":242.875,"sentiment":"neutral","sentiment_score":0.1586707333723704},{"text":"Yep.","start":249.81,"end":250.31,"sentiment":"neutral","sentiment_score":0.17206546664237976},{"text":"No worries.","start":253.97,"end":254.63,"sentiment":"neutral","sentiment_score":0.10781802609562874},{"text":"Octolio is fine.","start":254.77,"end":256.15,"sentiment":"neutral","sentiment_score":0.27435973286628723},{"text":"Okay.","start":259.65,"end":260.15,"sentiment":"neutral","sentiment_score":0.06110977381467819}],"sentiment":"neutral","sentiment_score":0.17479026913642884,"num_words":10,"start":241.975,"end":260.15},{"sentences":[{"text":"Page nine nine.","start":260.21,"end":261.01,"sentiment":"neutral","sentiment_score":0.04063733418782552},{"text":"Yep.","start":261.01,"end":261.465,"sentiment":"neutral","sentiment_score":0.07942836731672287},{"text":"Yep.","start":294.755,"end":295.255,"sentiment":"neutral","sentiment_score":0.14809677004814148},{"text":"Yep.","start":305.795,"end":306.24,"sentiment":"neutral","sentiment_score":0.0936332494020462},{"text":"Yep.","start":310.72,"end":311.22,"sentiment":"neutral","sentiment_score":0.0630313828587532}],"sentiment":"neutral","sentiment_score":0.07230025316987719,"num_words":7,"start":260.21,"end":311.22},{"sentences":[{"text":"Yep.","start":313.59998,"end":314.09998,"sentiment":"neutral","sentiment_score":0.11410582065582275},{"text":"Uh-huh.","start":319.155,"end":319.655,"sentiment":"neutral","sentiment_score":0.007998470216989517},{"text":"Yep.","start":346.74,"end":347.24,"sentiment":"neutral","sentiment_score":0.14719660580158234},{"text":"Okay.","start":367.48,"end":367.96002,"sentiment":"neutral","sentiment_score":-0.0004170201718807221},{"text":"Got it.","start":367.96002,"end":368.28,"sentiment":"neutral","sentiment_score":-0.0035849977284669876}],"sentiment":"neutral","sentiment_score":0.04361898017426332,"num_words":6,"start":313.59998,"end":368.28},{"sentences":[{"text":"So, yeah, they if they don't perform, they're they're kicked out.","start":368.28,"end":371.82,"sentiment":"neutral","sentiment_score":-0.18726240233941513},{"text":"Yep.","start":376.28,"end":376.78,"sentiment":"positive","sentiment_score":0.35040804743766785},{"text":"Mhmm.","start":379.335,"end":379.835,"sentiment":"neutral","sentiment_score":0.0167975015938282},{"text":"Okay.","start":387.1725,"end":387.6725,"sentiment":"neutral","sentiment_score":-0.005444645881652832},{"text":"Yep.","start":400.37,"end":400.87,"sentiment":"neutral","sentiment_score":-0.05919404327869415}],"sentiment":"neutral","sentiment_score":-0.11715463772416115,"num_words":15,"start":368.28,"end":400.87},{"sentences":[{"text":"Yep.","start":415.70502,"end":416.20502,"sentiment":"neutral","sentiment_score":-0.28552424907684326},{"text":"Mhmm.","start":419.465,"end":419.965,"sentiment":"neutral","sentiment_score":-0.04357634112238884},{"text":"Okay.","start":431.63998,"end":432.13998,"sentiment":"neutral","sentiment_score":0.09809920191764832},{"text":"Yep.","start":432.28,"end":432.78,"sentiment":"neutral","sentiment_score":0.1075764298439026},{"text":"Yep.","start":449.95,"end":450.45,"sentiment":"neutral","sentiment_score":0.10293905436992644}],"sentiment":"neutral","sentiment_score":-0.0040971808135509494,"num_words":5,"start":415.70502,"end":450.45},{"sentences":[{"text":"Yep.","start":461.31,"end":461.55002,"sentiment":"neutral","sentiment_score":0.060396771878004074},{"text":"Yep.","start":461.55002,"end":462.05002,"sentiment":"neutral","sentiment_score":0.0653889998793602},{"text":"No problem.","start":462.11002,"end":462.85,"sentiment":"neutral","sentiment_score":0.15429141372442245},{"text":"Mhmm.","start":489.62,"end":489.69998,"sentiment":"neutral","sentiment_score":0.005608204752206802},{"text":"Yep.","start":489.69998,"end":490.19998,"sentiment":"neutral","sentiment_score":0.006718873046338558}],"sentiment":"neutral","sentiment_score":0.07444927950079243,"num_words":6,"start":461.31,"end":490.19998},{"sentences":[{"text":"Yep.","start":510.34998,"end":510.84998,"sentiment":"neutral","sentiment_score":-0.08135173469781876},{"text":"Yep.","start":519.845,"end":520.08496,"sentiment":"neutral","sentiment_score":-0.0569794736802578},{"text":"Yep.","start":520.08496,"end":520.58496,"sentiment":"neutral","sentiment_score":-0.05544798821210861},{"text":"Yep.","start":522.9249,"end":523.4249,"sentiment":"neutral","sentiment_score":-0.09118729829788208},{"text":"Yep.","start":525.76495,"end":526.26495,"sentiment":"neutral","sentiment_score":0.02296273037791252}],"sentiment":"neutral","sentiment_score":-0.052400752902030945,"num_words":5,"start":510.34998,"end":526.26495},{"sentences":[{"text":"Yep.","start":530.32495,"end":530.565,"sentiment":"neutral","sentiment_score":0.0789073258638382},{"text":"Not a problem.","start":530.565,"end":531.385,"sentiment":"neutral","sentiment_score":0.2640070617198944},{"text":"Yep.","start":532.75,"end":533.25,"sentiment":"positive","sentiment_score":0.3375391960144043},{"text":"Yep.","start":556.275,"end":556.775,"sentiment":"neutral","sentiment_score":0.0371733158826828},{"text":"Mhmm.","start":563.26,"end":563.76,"sentiment":"neutral","sentiment_score":0.18874692916870117}],"sentiment":"neutral","sentiment_score":0.2049125645841871,"num_words":7,"start":530.32495,"end":563.76},{"sentences":[{"text":"Yep.","start":585.555,"end":586.055,"sentiment":"neutral","sentiment_score":0.14897511899471283},{"text":"Yep.","start":586.355,"end":586.8,"sentiment":"neutral","sentiment_score":0.139154851436615},{"text":"Yep.","start":645.76996,"end":646.26996,"sentiment":"neutral","sentiment_score":0.131230890750885},{"text":"K.","start":646.32996,"end":646.56995,"sentiment":"neutral","sentiment_score":0.10905780643224716},{"text":"Gotcha.","start":646.56995,"end":647.06995,"sentiment":"neutral","sentiment_score":0.16551171243190765}],"sentiment":"neutral","sentiment_score":0.13878607600927353,"num_words":5,"start":585.555,"end":647.06995},{"sentences":[{"text":"Yeah.","start":666.22,"end":666.62,"sentiment":"neutral","sentiment_score":0.0747714638710022},{"text":"Right.","start":666.62,"end":666.86,"sentiment":"neutral","sentiment_score":0.07996145635843277},{"text":"Yeah.","start":666.86,"end":667.18,"sentiment":"neutral","sentiment_score":0.0844559594988823},{"text":"Yep.","start":667.18,"end":667.5,"sentiment":"neutral","sentiment_score":0.11561441421508788},{"text":"Not a worry.","start":667.5,"end":668.22,"sentiment":"neutral","sentiment_score":0.15643910070260367}],"sentiment":"neutral","sentiment_score":0.1177315137216023,"num_words":7,"start":666.22,"end":668.22},{"sentences":[{"text":"Yeah.","start":668.22,"end":668.72,"sentiment":"neutral","sentiment_score":0.2900710701942444},{"text":"Yes.","start":678.06,"end":678.495,"sentiment":"neutral","sentiment_score":0.09707693755626678},{"text":"Correct.","start":678.815,"end":679.315,"sentiment":"neutral","sentiment_score":0.16411197185516355},{"text":"Okay.","start":702.83,"end":703.33,"sentiment":"neutral","sentiment_score":0.06910648941993713},{"text":"Yep.","start":709.615,"end":710.115,"sentiment":"neutral","sentiment_score":0.09362655133008956}],"sentiment":"neutral","sentiment_score":0.14279860407114028,"num_words":5,"start":668.22,"end":710.115},{"sentences":[{"text":"Yeah.","start":742.96497,"end":743.205,"sentiment":"neutral","sentiment_score":0.05453675240278244},{"text":"It's not yet.","start":743.205,"end":744.105,"sentiment":"neutral","sentiment_score":0.0288070651392142},{"text":"Yep.","start":753.5,"end":753.89996,"sentiment":"neutral","sentiment_score":0.08406420797109604},{"text":"Yep.","start":753.89996,"end":754.39996,"sentiment":"neutral","sentiment_score":0.08644285053014755},{"text":"K.","start":755.1,"end":755.6,"sentiment":"neutral","sentiment_score":0.2209833562374115}],"sentiment":"neutral","sentiment_score":0.0760640517941543,"num_words":7,"start":742.96497,"end":755.6},{"sentences":[{"text":"Mhmm.","start":805.735,"end":806.235,"sentiment":"neutral","sentiment_score":0.013398215174674988},{"text":"Yes.","start":806.295,"end":806.795,"sentiment":"neutral","sentiment_score":0.11787520349025726},{"text":"Yep.","start":837.38,"end":837.88,"sentiment":"neutral","sentiment_score":0.31706684827804565},{"text":"Happy with that.","start":845.54,"end":846.51996,"sentiment":"positive","sentiment_score":0.5224265058835348},{"text":"Yeah.","start":880.295,"end":880.795,"sentiment":"negative","sentiment_score":-0.4188117384910583}],"sentiment":"neutral","sentiment_score":0.2281154351575034,"num_words":7,"start":805.735,"end":880.795},{"sentences":[{"text":"Yeah.","start":890.375,"end":890.535,"sentiment":"neutral","sentiment_score":0.2031193375587463},{"text":"That's right.","start":890.535,"end":891.015,"sentiment":"positive","sentiment_score":0.3725418746471405},{"text":"It makes sense.","start":891.015,"end":891.575,"sentiment":"positive","sentiment_score":0.4350731472174327},{"text":"I mean, you just gotta keep following them.","start":891.575,"end":893.65497,"sentiment":"neutral","sentiment_score":0.3085267096757889},{"text":"Well, I mean, it's hard, but it's easy for you to say that.","start":893.65497,"end":896.27,"sentiment":"neutral","sentiment_score":0.016297312596669562}],"sentiment":"neutral","sentiment_score":0.18272226924697557,"num_words":27,"start":890.375,"end":896.27},{"sentences":[{"text":"I don't I don't get a lot of what you, you know, what you fellas do.","start":896.27,"end":899.79,"sentiment":"neutral","sentiment_score":-0.049804141744971275},{"text":"But, I mean, you you just know where you are sort of thing.","start":899.79,"end":902.75,"sentiment":"neutral","sentiment_score":0.027209055395080492},{"text":"So you virtually, you're following the flow the same as anyone would in any business.","start":902.75,"end":907.33,"sentiment":"neutral","sentiment_score":0.11185859839121501},{"text":"But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually.","start":907.88495,"end":918.065,"sentiment":"neutral","sentiment_score":-0.08484438101224827},{"text":"So, I mean, a lot of this stuff is in the dark for me, but I'm I'm getting what you're saying.","start":918.125,"end":922.785,"sentiment":"neutral","sentiment_score":-0.04888427057968719}],"sentiment":"neutral","sentiment_score":-0.026445957423396865,"num_words":98,"start":896.27,"end":922.785},{"sentences":[{"text":"And it and it all and it all makes sense.","start":923.74,"end":925.66,"sentiment":"neutral","sentiment_score":0.23653559237718583},{"text":"You know?","start":925.66,"end":926.13995,"sentiment":"neutral","sentiment_score":0.078897874802351},{"text":"So so that's good.","start":926.13995,"end":928.3,"sentiment":"neutral","sentiment_score":0.3084797337651253},{"text":"But it'd be I'm I'm I'm happy with with the way we're going and and the direction we're going at the moment anyway.","start":928.3,"end":934.3,"sentiment":"neutral","sentiment_score":0.22911375825819763},{"text":"So that's that's the main thing.","start":934.3,"end":936.16,"sentiment":"neutral","sentiment_score":0.14617920418580374}],"sentiment":"neutral","sentiment_score":0.22008360607756508,"num_words":45,"start":923.74,"end":936.16},{"sentences":[{"text":"Yes.","start":958.91003,"end":959.41003,"sentiment":"neutral","sentiment_score":0.32039695978164673},{"text":"Yep.","start":963.435,"end":963.935,"sentiment":"neutral","sentiment_score":0.20008091628551483},{"text":"Yep.","start":972.55505,"end":973.05505,"sentiment":"neutral","sentiment_score":0.1419357806444168},{"text":"Yep.","start":985.31,"end":985.81,"sentiment":"neutral","sentiment_score":0.11657662689685822},{"text":"Yeah.","start":988.51,"end":988.99005,"sentiment":"neutral","sentiment_score":0.06520020961761475}],"sentiment":"neutral","sentiment_score":0.16883809864521027,"num_words":5,"start":958.91003,"end":988.99005},{"sentences":[{"text":"Yep.","start":988.99005,"end":989.445,"sentiment":"neutral","sentiment_score":0.2388608157634735},{"text":"Yep.","start":997.525,"end":998.025,"sentiment":"neutral","sentiment_score":0.3330206871032715},{"text":"Yep.","start":999.445,"end":999.945,"sentiment":"positive","sentiment_score":0.5286788940429688},{"text":"Fantastic.","start":1000.245,"end":1000.745,"sentiment":"positive","sentiment_score":0.7680572271347046},{"text":"Yep.","start":1026.595,"end":1027.095,"sentiment":"positive","sentiment_score":0.5329089760780334}],"sentiment":"positive","sentiment_score":0.48030532002449033,"num_words":5,"start":988.99005,"end":1027.095},{"sentences":[{"text":"Yep.","start":1029.5549,"end":1029.93,"sentiment":"neutral","sentiment_score":0.1570988893508911},{"text":"Yep.","start":1030.0901,"end":1030.41,"sentiment":"neutral","sentiment_score":0.16755978763103485},{"text":"Got that.","start":1030.41,"end":1041.4701,"sentiment":"neutral","sentiment_score":0.23725497722625732},{"text":"Yes.","start":1055.1749,"end":1055.6749,"sentiment":"neutral","sentiment_score":0.11359427124261856},{"text":"Yes.","start":1071.49,"end":1071.89,"sentiment":"neutral","sentiment_score":0.09413360059261322}],"sentiment":"neutral","sentiment_score":0.16781608387827873,"num_words":6,"start":1029.5549,"end":1071.89},{"sentences":[{"text":"Yep.","start":1071.89,"end":1072.39,"sentiment":"neutral","sentiment_score":0.12197773158550262},{"text":"Yep.","start":1095.52,"end":1096.02,"sentiment":"neutral","sentiment_score":0.04134972393512726},{"text":"Sounds good.","start":1100.16,"end":1100.98,"sentiment":"positive","sentiment_score":0.3868641257286072},{"text":"Yeah.","start":1112.315,"end":1112.635,"sentiment":"neutral","sentiment_score":0.27573341131210327},{"text":"That's right.","start":1112.635,"end":1113.275,"sentiment":"neutral","sentiment_score":0.2759755402803421}],"sentiment":"neutral","sentiment_score":0.2521057426929474,"num_words":7,"start":1071.89,"end":1113.275},{"sentences":[{"text":"Exactly.","start":1113.275,"end":1113.755,"sentiment":"neutral","sentiment_score":0.16859528422355652},{"text":"You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever.","start":1113.755,"end":1130.7999,"sentiment":"neutral","sentiment_score":0.03172992971604285},{"text":"But then when I finally got a a permanent job, I started to actually put a bit of because the old man said to me, you know, you have you looked at super?","start":1131.905,"end":1141.025,"sentiment":"neutral","sentiment_score":-0.0402536437366948},{"text":"And I said, well, no.","start":1141.025,"end":1142.165,"sentiment":"neutral","sentiment_score":-0.09246255904436111},{"text":"You don't do that when you're young.","start":1142.945,"end":1144.465,"sentiment":"neutral","sentiment_score":-0.08696337682860238}],"sentiment":"neutral","sentiment_score":-0.008383202447515467,"num_words":92,"start":1113.275,"end":1144.465},{"sentences":[{"text":"You know?","start":1144.465,"end":1144.865,"sentiment":"neutral","sentiment_score":-0.026714084669947624},{"text":"Like, and he said, well you know, because he he used to work for the the hospital, so he was in a government setup.","start":1144.865,"end":1151.75,"sentiment":"neutral","sentiment_score":-0.010235093301162124},{"text":"And they had a good system sort of thing, and he said, well, you should start looking at it.","start":1152.29,"end":1156.29,"sentiment":"neutral","sentiment_score":0.07461986308427233},{"text":"He said, you know, you don't have to, but you should start putting something away.","start":1156.29,"end":1159.65,"sentiment":"neutral","sentiment_score":-0.08899125643074512},{"text":"So I did.","start":1159.65,"end":1160.47,"sentiment":"neutral","sentiment_score":-0.001138998195528984}],"sentiment":"neutral","sentiment_score":-0.003485378587529773,"num_words":63,"start":1144.465,"end":1160.47},{"sentences":[{"text":"And I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else.","start":1160.8849,"end":1170.0049,"sentiment":"neutral","sentiment_score":-0.04881343190316801},{"text":"And and, yeah, some for some reason, it was just sort of left behind.","start":1170.0049,"end":1175.225,"sentiment":"neutral","sentiment_score":-0.13555140952978814},{"text":"Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually start putting anything myself or into super at all.","start":1176.91,"end":1192.785,"sentiment":"neutral","sentiment_score":-0.09268865531141107},{"text":"But, anyway, I mean, eventually, like, we're getting to this point.","start":1194.365,"end":1196.765,"sentiment":"neutral","sentiment_score":-0.051405428824099625},{"text":"It should I should have been a lot better off, obviously, which we all say that, but it's just one of those things that life is what it is.","start":1196.765,"end":1203.085,"sentiment":"neutral","sentiment_score":0.00003729855384806059}],"sentiment":"neutral","sentiment_score":-0.06286689030006527,"num_words":125,"start":1160.8849,"end":1203.085},{"sentences":[{"text":"And, you know but I mean, I I'm I'm not gonna be unhappy with what what we're working towards.","start":1203.085,"end":1207.9299,"sentiment":"neutral","sentiment_score":-0.1282594895088359},{"text":"So yeah.","start":1207.9299,"end":1209.96,"sentiment":"neutral","sentiment_score":-0.15964248776435852},{"text":"Yes.","start":1222.065,"end":1222.565,"sentiment":"neutral","sentiment_score":0.23997998237609863},{"text":"Yes.","start":1222.625,"end":1223.125,"sentiment":"neutral","sentiment_score":0.2195210307836533},{"text":"Yeah.","start":1239.51,"end":1239.75,"sentiment":"neutral","sentiment_score":0.14072132110595703}],"sentiment":"neutral","sentiment_score":-0.08983303924712042,"num_words":24,"start":1203.085,"end":1239.75},{"sentences":[{"text":"Cool.","start":1239.75,"end":1240.25,"sentiment":"neutral","sentiment_score":0.30723121762275696},{"text":"That's all.","start":1240.39,"end":1241.21,"sentiment":"neutral","sentiment_score":0.13958827406167984},{"text":"Yep.","start":1247.205,"end":1247.705,"sentiment":"neutral","sentiment_score":0.11210277676582336},{"text":"Yeah.","start":1263.84,"end":1264.24,"sentiment":"neutral","sentiment_score":0.13366517424583435},{"text":"Yeah.","start":1264.24,"end":1264.48,"sentiment":"neutral","sentiment_score":0.11525602638721466}],"sentiment":"neutral","sentiment_score":0.15790529052416483,"num_words":6,"start":1239.75,"end":1264.48},{"sentences":[{"text":"That's right.","start":1264.48,"end":1264.9601,"sentiment":"neutral","sentiment_score":0.18246358633041382},{"text":"Yeah.","start":1264.9601,"end":1265.4601,"sentiment":"neutral","sentiment_score":0.2348197251558304},{"text":"That's why I take a take a bit of money.","start":1267.12,"end":1269.22,"sentiment":"neutral","sentiment_score":0.05183827131986618},{"text":"Yeah.","start":1271.28,"end":1271.78,"sentiment":"neutral","sentiment_score":0.009429488331079485},{"text":"Yep.","start":1275.6,"end":1276.035,"sentiment":"neutral","sentiment_score":0.016311002895236015}],"sentiment":"neutral","sentiment_score":0.07625800681610902,"num_words":15,"start":1264.48,"end":1276.035},{"sentences":[{"text":"Yes.","start":1303.7899,"end":1304.2899,"sentiment":"neutral","sentiment_score":0.0872466117143631},{"text":"Yep.","start":1328.46,"end":1328.86,"sentiment":"neutral","sentiment_score":0.1829753965139389},{"text":"Yeah.","start":1328.86,"end":1329.1,"sentiment":"neutral","sentiment_score":0.08297128975391388},{"text":"Yeah.","start":1329.1,"end":1329.26,"sentiment":"neutral","sentiment_score":0.06561852991580963},{"text":"Yeah.","start":1329.26,"end":1329.5,"sentiment":"neutral","sentiment_score":0.050356004387140274}],"sentiment":"neutral","sentiment_score":0.09383356645703315,"num_words":5,"start":1303.7899,"end":1329.5},{"sentences":[{"text":"Yeah.","start":1329.5,"end":1329.9,"sentiment":"neutral","sentiment_score":0.031606826931238174},{"text":"No.","start":1329.9,"end":1330.06,"sentiment":"neutral","sentiment_score":-0.0185488760471344},{"text":"That's fine.","start":1330.06,"end":1330.725,"sentiment":"neutral","sentiment_score":0.06716209650039673},{"text":"Yep.","start":1342.8049,"end":1343.125,"sentiment":"neutral","sentiment_score":0.0893881544470787},{"text":"Yeah.","start":1343.125,"end":1343.285,"sentiment":"neutral","sentiment_score":0.05582786351442337}],"sentiment":"neutral","sentiment_score":0.048766360307733216,"num_words":6,"start":1329.5,"end":1343.285},{"sentences":[{"text":"Yeah.","start":1343.285,"end":1343.605,"sentiment":"neutral","sentiment_score":0.01514096651226282},{"text":"No.","start":1343.605,"end":1343.765,"sentiment":"neutral","sentiment_score":-0.08668531477451324},{"text":"That's right.","start":1343.765,"end":1344.405,"sentiment":"neutral","sentiment_score":0.04088118299841881},{"text":"Yeah.","start":1344.405,"end":1344.905,"sentiment":"neutral","sentiment_score":0.08821352571249008},{"text":"Yeah.","start":1398.3949,"end":1398.715,"sentiment":"neutral","sentiment_score":0.04478216916322708}],"sentiment":"neutral","sentiment_score":0.023868952101717394,"num_words":6,"start":1343.285,"end":1398.715},{"sentences":[{"text":"Gotcha.","start":1398.715,"end":1399.215,"sentiment":"neutral","sentiment_score":0.017779245972633362},{"text":"Yeah.","start":1401.07,"end":1401.57,"sentiment":"neutral","sentiment_score":0.05062045156955719},{"text":"Right.","start":1401.63,"end":1401.87,"sentiment":"neutral","sentiment_score":0.09232453256845474},{"text":"Yeah.","start":1401.87,"end":1402.37,"sentiment":"neutral","sentiment_score":0.11941636353731155},{"text":"Yep.","start":1402.4299,"end":1402.9299,"sentiment":"neutral","sentiment_score":0.2618992030620575}],"sentiment":"neutral","sentiment_score":0.10840795934200287,"num_words":5,"start":1398.715,"end":1402.9299},{"sentences":[{"text":"Yep.","start":1404.03,"end":1404.53,"sentiment":"positive","sentiment_score":0.38673385977745056},{"text":"Mhmm.","start":1430.2999,"end":1430.7999,"sentiment":"neutral","sentiment_score":0.07425322383642197},{"text":"Yep.","start":1430.86,"end":1431.36,"sentiment":"neutral","sentiment_score":0.15526999533176422},{"text":"Yep.","start":1450.7251,"end":1451.125,"sentiment":"neutral","sentiment_score":0.12199269980192184},{"text":"Yep.","start":1451.125,"end":1451.4451,"sentiment":"neutral","sentiment_score":0.16012386977672577}],"sentiment":"neutral","sentiment_score":0.17967472970485687,"num_words":5,"start":1404.03,"end":1451.4451},{"sentences":[{"text":"Not a problem.","start":1451.4451,"end":1452.18,"sentiment":"positive","sentiment_score":0.4493019680182139},{"text":"Yep.","start":1463.2201,"end":1463.7201,"sentiment":"positive","sentiment_score":0.35364145040512085},{"text":"Yep.","start":1493.04,"end":1493.355,"sentiment":"neutral","sentiment_score":0.13240331411361694},{"text":"Mhmm.","start":1520.2001,"end":1520.7001,"sentiment":"neutral","sentiment_score":0.047908514738082886},{"text":"Yes, ma'am.","start":1530.545,"end":1531.285,"sentiment":"neutral","sentiment_score":-0.016848213970661163}],"sentiment":"neutral","sentiment_score":0.2310203444212675,"num_words":8,"start":1451.4451,"end":1531.285},{"sentences":[{"text":"Yep.","start":1546.71,"end":1547.19,"sentiment":"neutral","sentiment_score":0.00843090657144785},{"text":"Yep.","start":1547.19,"end":1547.69,"sentiment":"neutral","sentiment_score":-0.00014640577137470243},{"text":"Yeah.","start":1552.71,"end":1552.95,"sentiment":"neutral","sentiment_score":0.15349996089935303},{"text":"Yeah.","start":1552.95,"end":1553.0299,"sentiment":"neutral","sentiment_score":0.14088232815265656},{"text":"Yeah.","start":1553.0299,"end":1553.19,"sentiment":"neutral","sentiment_score":0.13849982619285583}],"sentiment":"neutral","sentiment_score":0.08823332320898772,"num_words":5,"start":1546.71,"end":1553.19},{"sentences":[{"text":"Yeah.","start":1553.19,"end":1553.69,"sentiment":"neutral","sentiment_score":0.1447243690490723},{"text":"Mhmm.","start":1577.2101,"end":1577.7101,"sentiment":"neutral","sentiment_score":0.1097649186849594},{"text":"Mhmm.","start":1628.05,"end":1628.55,"sentiment":"neutral","sentiment_score":0.13525350391864777},{"text":"Right.","start":1639.045,"end":1639.545,"sentiment":"neutral","sentiment_score":0.09189192950725555},{"text":"Yeah.","start":1640.165,"end":1640.405,"sentiment":"neutral","sentiment_score":0.08758708834648132}],"sentiment":"neutral","sentiment_score":0.11384436190128326,"num_words":5,"start":1553.19,"end":1640.405},{"sentences":[{"text":"Yeah.","start":1640.405,"end":1640.645,"sentiment":"neutral","sentiment_score":0.09684272110462187},{"text":"Yeah.","start":1640.645,"end":1640.885,"sentiment":"neutral","sentiment_score":0.10566255450248718},{"text":"Yep.","start":1640.885,"end":1641.385,"sentiment":"neutral","sentiment_score":0.1189294010400772},{"text":"Yep.","start":1641.845,"end":1642.345,"sentiment":"neutral","sentiment_score":0.00831984169781208},{"text":"No.","start":1645.765,"end":1645.925,"sentiment":"neutral","sentiment_score":-0.2559708058834076}],"sentiment":"neutral","sentiment_score":0.014756742492318153,"num_words":5,"start":1640.405,"end":1645.925},{"sentences":[{"text":"No.","start":1645.925,"end":1646.085,"sentiment":"neutral","sentiment_score":-0.2711549997329712},{"text":"That's the way it is.","start":1646.085,"end":1646.965,"sentiment":"neutral","sentiment_score":-0.10275636613368988},{"text":"It's it it all looks good.","start":1646.965,"end":1648.9299,"sentiment":"neutral","sentiment_score":0.2974170545736949},{"text":"Like, you know, I mean, if it's as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem.","start":1648.9299,"end":1657.2699,"sentiment":"neutral","sentiment_score":-0.22601340000983328},{"text":"You know?","start":1658.69,"end":1659.25,"sentiment":"neutral","sentiment_score":-0.1991995871067047}],"sentiment":"neutral","sentiment_score":-0.14415787994537665,"num_words":46,"start":1645.925,"end":1659.25},{"sentences":[{"text":"And and and that's what you're getting paid for sort of thing.","start":1659.25,"end":1662.21,"sentiment":"neutral","sentiment_score":-0.16447962013383707},{"text":"So, you know, but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before.","start":1662.21,"end":1668.805,"sentiment":"neutral","sentiment_score":0.3229926614849656},{"text":"So I'm I'm I'm laughing.","start":1668.805,"end":1671.605,"sentiment":"positive","sentiment_score":0.5224960625171662},{"text":"You know?","start":1671.605,"end":1672.005,"sentiment":"neutral","sentiment_score":0.14981530606746674},{"text":"So Yeah.","start":1672.005,"end":1688.01,"sentiment":"neutral","sentiment_score":0.12313830852508545}],"sentiment":"neutral","sentiment_score":0.20636320750539502,"num_words":48,"start":1659.25,"end":1688.01},{"sentences":[{"text":"Yep.","start":1688.01,"end":1688.41,"sentiment":"neutral","sentiment_score":0.06766362488269806},{"text":"Yep.","start":1688.41,"end":1688.91,"sentiment":"neutral","sentiment_score":0.04977100342512131},{"text":"Yeah.","start":1705.25,"end":1705.75,"sentiment":"neutral","sentiment_score":0.0060369353741407394},{"text":"Yeah.","start":1706.0499,"end":1706.37,"sentiment":"neutral","sentiment_score":0.04019864648580551},{"text":"Well, I thought once I once I get settled down again, yeah, I'll I'll send you the the latest payslips or whatever.","start":1706.37,"end":1715.1849,"sentiment":"neutral","sentiment_score":0.06335163370452145}],"sentiment":"neutral","sentiment_score":0.059900236602586046,"num_words":26,"start":1688.01,"end":1715.1849},{"sentences":[{"text":"And then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway.","start":1715.1849,"end":1724.7849,"sentiment":"neutral","sentiment_score":0.08117308379972682},{"text":"So I'll put in for a wage review and and whatever.","start":1724.7849,"end":1729.0499,"sentiment":"neutral","sentiment_score":0.19166614318435843},{"text":"It's taken two bloody years.","start":1729.0499,"end":1730.57,"sentiment":"neutral","sentiment_score":0.0031933717429637907},{"text":"But anyway, yeah, we've had a lot of stuff going on with council.","start":1730.57,"end":1735.37,"sentiment":"neutral","sentiment_score":0.020736884469023116},{"text":"But anyway yeah.","start":1735.37,"end":1736.8099,"sentiment":"neutral","sentiment_score":0.04708608612418175}],"sentiment":"neutral","sentiment_score":0.0798994819348564,"num_words":49,"start":1715.1849,"end":1736.8099},{"sentences":[{"text":"So hopefully, like, I'm in the I'm in the wings for another pay rise anyway.","start":1736.8099,"end":1741.555,"sentiment":"neutral","sentiment_score":0.13457527955373128},{"text":"So that'll go up again.","start":1741.555,"end":1743.175,"sentiment":"neutral","sentiment_score":0.11776717156171798},{"text":"Fingers crossed.","start":1743.555,"end":1744.275,"sentiment":"neutral","sentiment_score":0.11931558325886726},{"text":"So Yep.","start":1744.275,"end":1748.4551,"sentiment":"neutral","sentiment_score":0.14302152395248413},{"text":"Yep.","start":1758.88,"end":1759.36,"sentiment":"neutral","sentiment_score":0.1115352138876915}],"sentiment":"neutral","sentiment_score":0.12974697917699815,"num_words":25,"start":1736.8099,"end":1759.36},{"sentences":[{"text":"Okay.","start":1759.36,"end":1759.86,"sentiment":"neutral","sentiment_score":0.00033417902886867523},{"text":"Thank you.","start":1768.315,"end":1769.135,"sentiment":"positive","sentiment_score":0.37674568593502045},{"text":"Yes.","start":1778.075,"end":1778.575,"sentiment":"neutral","sentiment_score":0.2288534790277481},{"text":"Yes.","start":1783.8601,"end":1784.3601,"sentiment":"neutral","sentiment_score":0.20460788905620575},{"text":"Yep.","start":1784.5,"end":1785.0,"sentiment":"neutral","sentiment_score":0.2230035364627838}],"sentiment":"neutral","sentiment_score":0.2350484092409412,"num_words":6,"start":1759.36,"end":1785.0},{"sentences":[{"text":"Yes.","start":1792.42,"end":1792.5,"sentiment":"neutral","sentiment_score":0.14785802364349365},{"text":"Yes.","start":1792.5,"end":1792.8201,"sentiment":"neutral","sentiment_score":0.19630420207977295},{"text":"Gotcha.","start":1792.8201,"end":1793.3201,"sentiment":"neutral","sentiment_score":0.22131292521953583},{"text":"Yes.","start":1807.065,"end":1807.565,"sentiment":"neutral","sentiment_score":0.089333675801754},{"text":"Oh, okay.","start":1813.5,"end":1814.24,"sentiment":"neutral","sentiment_score":0.037121339701116085}],"sentiment":"neutral","sentiment_score":0.1215085843577981,"num_words":6,"start":1792.42,"end":1814.24},{"sentences":[{"text":"I thought that I thought it might be a like a one off.","start":1815.1,"end":1817.6599,"sentiment":"neutral","sentiment_score":-0.12648620800330088},{"text":"Once you do it, that shit, you can't go back.","start":1817.6599,"end":1819.7599,"sentiment":"neutral","sentiment_score":-0.1886554703116417},{"text":"Yep.","start":1823.865,"end":1824.365,"sentiment":"neutral","sentiment_score":0.09418188780546188},{"text":"Yes.","start":1831.5825,"end":1832.0825,"sentiment":"neutral","sentiment_score":0.1266813576221466},{"text":"Yep.","start":1845.14,"end":1845.64,"sentiment":"neutral","sentiment_score":0.15582320094108582}],"sentiment":"neutral","sentiment_score":-0.12131496003040901,"num_words":26,"start":1815.1,"end":1845.64},{"sentences":[{"text":"Yep.","start":1848.9801,"end":1849.4801,"sentiment":"neutral","sentiment_score":0.18301883339881897},{"text":"Yes.","start":1864.405,"end":1864.905,"sentiment":"neutral","sentiment_score":0.08952068537473679},{"text":"Working very well.","start":1868.9,"end":1869.9401,"sentiment":"positive","sentiment_score":0.37819989025592804},{"text":"Yeah.","start":1869.9401,"end":1870.18,"sentiment":"neutral","sentiment_score":0.1590350866317749},{"text":"Yep.","start":1870.18,"end":1870.68,"sentiment":"neutral","sentiment_score":0.12133823335170746}],"sentiment":"neutral","sentiment_score":0.2410732156464032,"num_words":7,"start":1848.9801,"end":1870.68},{"sentences":[{"text":"I thought that's it.","start":1870.74,"end":1871.88,"sentiment":"neutral","sentiment_score":0.012998392223380506},{"text":"Yes.","start":1873.06,"end":1873.56,"sentiment":"neutral","sentiment_score":0.12703566253185272},{"text":"Oh, okay.","start":1884.455,"end":1885.1749,"sentiment":"neutral","sentiment_score":0.17523592710494995},{"text":"Right here.","start":1885.1749,"end":1885.9149,"sentiment":"neutral","sentiment_score":0.12645605579018593},{"text":"Yeah.","start":1886.5349,"end":1886.855,"sentiment":"neutral","sentiment_score":0.05213163048028946}],"sentiment":"neutral","sentiment_score":0.0834544827695936,"num_words":10,"start":1870.74,"end":1886.855},{"sentences":[{"text":"No.","start":1886.855,"end":1887.015,"sentiment":"neutral","sentiment_score":0.0111951045691967},{"text":"Excellent.","start":1887.015,"end":1887.515,"sentiment":"neutral","sentiment_score":0.1931234449148178},{"text":"Good.","start":1889.575,"end":1890.075,"sentiment":"positive","sentiment_score":0.45418310165405273},{"text":"Yep.","start":1912.5549,"end":1913.0549,"sentiment":"neutral","sentiment_score":0.07341676950454712},{"text":"Yep.","start":1923.01,"end":1923.41,"sentiment":"neutral","sentiment_score":0.05968226119875908}],"sentiment":"neutral","sentiment_score":0.1583201363682747,"num_words":5,"start":1886.855,"end":1923.41},{"sentences":[{"text":"Yep.","start":1923.41,"end":1923.89,"sentiment":"neutral","sentiment_score":0.02698732540011406},{"text":"Okay.","start":1923.89,"end":1924.39,"sentiment":"neutral","sentiment_score":0.04236350953578949},{"text":"Yeah.","start":1925.01,"end":1925.25,"sentiment":"neutral","sentiment_score":0.10676242411136629},{"text":"Sounds good.","start":1925.25,"end":1925.97,"sentiment":"neutral","sentiment_score":0.252511590719223},{"text":"Yeah.","start":1925.97,"end":1926.47,"sentiment":"neutral","sentiment_score":0.1378197818994522}],"sentiment":"neutral","sentiment_score":0.13649270373086134,"num_words":6,"start":1923.41,"end":1926.47},{"sentences":[{"text":"Oh, I don't know about the fun bit, but it's been it's been a bit of a yeah.","start":1945.2151,"end":1949.74,"sentiment":"neutral","sentiment_score":-0.06728243434594737},{"text":"It's been a haul, but, you know, like, I'm just I'm just I just don't want it to I just didn't want it to sort of go on too much longer sort of thing.","start":1949.74,"end":1957.98,"sentiment":"neutral","sentiment_score":-0.20233991369605064},{"text":"And and, I mean, everyone everyone was okay with with it at work and everything else.","start":1957.98,"end":1962.675,"sentiment":"neutral","sentiment_score":0.194905603537336},{"text":"And and, you know, I said the doctor's on my side anyway.","start":1962.675,"end":1966.275,"sentiment":"neutral","sentiment_score":0.060352309296528496},{"text":"So that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point.","start":1966.275,"end":1974.835,"sentiment":"neutral","sentiment_score":-0.10553938498099645}],"sentiment":"neutral","sentiment_score":-0.06740095513788137,"num_words":110,"start":1945.2151,"end":1974.835},{"sentences":[{"text":"So and I think in the long run, virtually, it's it's me.","start":1974.835,"end":1979.93,"sentiment":"neutral","sentiment_score":-0.021042891933272283},{"text":"Like, I'm the one that says, well, I wanna do this or no.","start":1979.93,"end":1982.73,"sentiment":"neutral","sentiment_score":0.002009558563049023},{"text":"I wanna extend it or whatever.","start":1982.73,"end":1984.17,"sentiment":"neutral","sentiment_score":0.0068912406762441},{"text":"That's I think that's the whole point.","start":1984.17,"end":1986.0901,"sentiment":"neutral","sentiment_score":0.08851485805852073},{"text":"It it should be up to me.","start":1986.0901,"end":1987.29,"sentiment":"neutral","sentiment_score":0.29382753159318653}],"sentiment":"neutral","sentiment_score":0.05536341621643967,"num_words":45,"start":1974.835,"end":1987.29},{"sentences":[{"text":"So and I'm happy.","start":1987.29,"end":1989.095,"sentiment":"positive","sentiment_score":0.5300427973270416},{"text":"So I don't know, you know, I don't care what the other father was saying.","start":1989.315,"end":1995.815,"sentiment":"neutral","sentiment_score":0.12862817446390787},{"text":"So I'm I'm I'm happy with what I'm doing.","start":1996.835,"end":1998.995,"sentiment":"positive","sentiment_score":0.3465378036101659},{"text":"So that's that's the money.","start":1998.995,"end":2000.85,"sentiment":"neutral","sentiment_score":0.17407479584217073},{"text":"And and, you know, they can they can go jump.","start":2000.85,"end":2003.59,"sentiment":"neutral","sentiment_score":0.15153251606971024}],"sentiment":"neutral","sentiment_score":0.2221891436899124,"num_words":43,"start":1987.29,"end":2003.59},{"sentences":[{"text":"Oh, yeah.","start":2011.33,"end":2011.89,"sentiment":"neutral","sentiment_score":0.1402539610862732},{"text":"My word.","start":2011.89,"end":2012.505,"sentiment":"neutral","sentiment_score":0.08196958526968956},{"text":"My word.","start":2012.825,"end":2013.385,"sentiment":"neutral","sentiment_score":0.09473394230008125},{"text":"It's it's made all the difference.","start":2013.385,"end":2014.585,"sentiment":"neutral","sentiment_score":0.13222265616059303},{"text":"Don't get me wrong.","start":2014.585,"end":2015.545,"sentiment":"neutral","sentiment_score":0.059769404120743275}],"sentiment":"neutral","sentiment_score":0.1041455331724137,"num_words":16,"start":2011.33,"end":2015.545},{"sentences":[{"text":"But, yeah, I'm I'm re I'm ready to get back into it.","start":2015.545,"end":2018.505,"sentiment":"neutral","sentiment_score":0.1967242807149887},{"text":"So yeah.","start":2018.505,"end":2020.285,"sentiment":"neutral","sentiment_score":0.08330121263861656},{"text":"There it is.","start":2035.06,"end":2035.38,"sentiment":"neutral","sentiment_score":-0.12487034251292546},{"text":"No.","start":2035.38,"end":2035.62,"sentiment":"neutral","sentiment_score":-0.14850828051567078},{"text":"That's it.","start":2035.62,"end":2036.1001,"sentiment":"neutral","sentiment_score":-0.13024383038282394}],"sentiment":"neutral","sentiment_score":0.08718434125185012,"num_words":20,"start":2015.545,"end":2036.1001},{"sentences":[{"text":"Exactly right.","start":2036.1001,"end":2036.8201,"sentiment":"neutral","sentiment_score":0.007567534223198891},{"text":"Everything nothing's coming down, mate, too too well.","start":2036.8201,"end":2039.2201,"sentiment":"neutral","sentiment_score":-0.12258405052125454},{"text":"But, yeah, it's, you know, you you see the other side of it too.","start":2039.2201,"end":2043.095,"sentiment":"neutral","sentiment_score":-0.037422041940901964},{"text":"You're you're a mom, and you're looking after the, you know, the household side, I guess, or whatever.","start":2043.095,"end":2049.175,"sentiment":"neutral","sentiment_score":0.014731465321448114},{"text":"But that's it.","start":2049.175,"end":2050.055,"sentiment":"neutral","sentiment_score":-0.016102724398175877}],"sentiment":"neutral","sentiment_score":-0.028279727117882833,"num_words":45,"start":2036.1001,"end":2050.055},{"sentences":[{"text":"And, you know, they're not making it easy for us, so we gotta try and grab what we can when we can.","start":2050.055,"end":2061.86,"sentiment":"neutral","sentiment_score":0.0016654817048798907},{"text":"Yep.","start":2122.13,"end":2122.63,"sentiment":"neutral","sentiment_score":0.12167798727750778},{"text":"Yeah.","start":2134.575,"end":2134.815,"sentiment":"neutral","sentiment_score":0.051401980221271515},{"text":"Yeah.","start":2134.815,"end":2135.135,"sentiment":"neutral","sentiment_score":0.05985309183597565},{"text":"Exactly.","start":2135.135,"end":2135.635,"sentiment":"neutral","sentiment_score":0.08924689143896103}],"sentiment":"neutral","sentiment_score":0.01380079031850283,"num_words":26,"start":2050.055,"end":2135.635},{"sentences":[{"text":"Yep.","start":2159.265,"end":2159.765,"sentiment":"neutral","sentiment_score":0.27779972553253174},{"text":"Yes.","start":2161.265,"end":2161.765,"sentiment":"neutral","sentiment_score":0.2683979868888855},{"text":"Yeah.","start":2164.385,"end":2164.885,"sentiment":"neutral","sentiment_score":0.08932678401470184},{"text":"I believe.","start":2164.945,"end":2165.505,"sentiment":"neutral","sentiment_score":0.06001758575439453},{"text":"Yeah.","start":2165.505,"end":2166.005,"sentiment":"neutral","sentiment_score":0.05719646438956261}],"sentiment":"neutral","sentiment_score":0.13545935538907847,"num_words":6,"start":2159.265,"end":2166.005},{"sentences":[{"text":"Yeah.","start":2171.6401,"end":2172.1401,"sentiment":"neutral","sentiment_score":0.2373589277267456},{"text":"Yes.","start":2193.56,"end":2194.06,"sentiment":"neutral","sentiment_score":0.30703049898147583},{"text":"Yes.","start":2198.92,"end":2199.42,"sentiment":"positive","sentiment_score":0.44388699531555176},{"text":"Yes.","start":2213.2952,"end":2213.7952,"sentiment":"neutral","sentiment_score":0.15899109840393066},{"text":"Oh, my word.","start":2214.0952,"end":2214.8152,"sentiment":"neutral","sentiment_score":0.034602124243974686}],"sentiment":"neutral","sentiment_score":0.17872484187994683,"num_words":7,"start":2171.6401,"end":2214.8152},{"sentences":[{"text":"Yes.","start":2214.8152,"end":2215.215,"sentiment":"neutral","sentiment_score":0.06569322943687439},{"text":"Yep.","start":2215.215,"end":2215.715,"sentiment":"neutral","sentiment_score":0.10147999972105026},{"text":"Yep.","start":2216.2551,"end":2216.7551,"sentiment":"neutral","sentiment_score":0.197128102183342},{"text":"Yes.","start":2233.4001,"end":2233.665,"sentiment":"neutral","sentiment_score":0.08735178411006927},{"text":"Yes.","start":2265.655,"end":2266.155,"sentiment":"neutral","sentiment_score":0.2908923029899597}],"sentiment":"neutral","sentiment_score":0.14850908368825913,"num_words":5,"start":2214.8152,"end":2266.155},{"sentences":[{"text":"Yes.","start":2279.5,"end":2280.0,"sentiment":"positive","sentiment_score":0.34178078174591064},{"text":"Yep.","start":2301.635,"end":2302.035,"sentiment":"neutral","sentiment_score":0.0977015495300293},{"text":"No.","start":2302.035,"end":2302.195,"sentiment":"neutral","sentiment_score":0.13770776987075806},{"text":"It sounds good, Mike.","start":2302.195,"end":2303.315,"sentiment":"positive","sentiment_score":0.41368017345666885},{"text":"Sounds good.","start":2303.315,"end":2304.135,"sentiment":"positive","sentiment_score":0.6153741776943207}],"sentiment":"positive","sentiment_score":0.3847399055957794,"num_words":9,"start":2279.5,"end":2304.135},{"sentences":[{"text":"Okay.","start":2348.035,"end":2348.535,"sentiment":"neutral","sentiment_score":0.040081508457660675},{"text":"Yep.","start":2355.075,"end":2355.575,"sentiment":"neutral","sentiment_score":0.06203668937087059},{"text":"Yep.","start":2368.75,"end":2369.25,"sentiment":"neutral","sentiment_score":0.05063018947839737},{"text":"Yep.","start":2371.3901,"end":2371.8901,"sentiment":"neutral","sentiment_score":0.04247821122407913},{"text":"Yes.","start":2378.59,"end":2379.015,"sentiment":"neutral","sentiment_score":0.12896010279655457}],"sentiment":"neutral","sentiment_score":0.06483734026551247,"num_words":5,"start":2348.035,"end":2379.015},{"sentences":[{"text":"Yep.","start":2383.4148,"end":2383.6548,"sentiment":"neutral","sentiment_score":0.06571435183286667},{"text":"No worries.","start":2383.6548,"end":2384.3948,"sentiment":"neutral","sentiment_score":0.1351841576397419},{"text":"Mhmm.","start":2393.7349,"end":2394.2349,"sentiment":"neutral","sentiment_score":0.014941919595003128},{"text":"That'd be fine.","start":2400.0,"end":2400.9,"sentiment":"neutral","sentiment_score":0.037493846068779625},{"text":"Yeah.","start":2400.96,"end":2401.46,"sentiment":"neutral","sentiment_score":0.012623503804206848}],"sentiment":"neutral","sentiment_score":0.059516203589737415,"num_words":8,"start":2383.4148,"end":2401.46},{"sentences":[{"text":"Yeah.","start":2401.84,"end":2402.24,"sentiment":"neutral","sentiment_score":0.003293401561677456},{"text":"No.","start":2402.24,"end":2402.48,"sentiment":"neutral","sentiment_score":-0.031223736703395844},{"text":"That'd be fine.","start":2402.48,"end":2403.36,"sentiment":"neutral","sentiment_score":0.04482793187101682},{"text":"Yeah.","start":2403.36,"end":2403.86,"sentiment":"neutral","sentiment_score":0.05889621749520302},{"text":"Mhmm.","start":2420.0752,"end":2420.155,"sentiment":"neutral","sentiment_score":0.03249610960483551}],"sentiment":"neutral","sentiment_score":0.02827796965305294,"num_words":7,"start":2401.84,"end":2420.155},{"sentences":[{"text":"Yep.","start":2420.155,"end":2420.655,"sentiment":"neutral","sentiment_score":0.05901532620191574},{"text":"Yep.","start":2427.05,"end":2427.55,"sentiment":"neutral","sentiment_score":0.04929910600185394},{"text":"Yep.","start":2431.05,"end":2431.55,"sentiment":"neutral","sentiment_score":0.053229641169309616},{"text":"Not not a problem, mate.","start":2436.49,"end":2437.37,"sentiment":"neutral","sentiment_score":0.09814822971820832},{"text":"That'd be great.","start":2437.37,"end":2438.01,"sentiment":"positive","sentiment_score":0.6756591200828552}],"sentiment":"neutral","sentiment_score":0.24356932565569878,"num_words":11,"start":2420.155,"end":2438.01},{"sentences":[{"text":"Thank you.","start":2438.01,"end":2438.625,"sentiment":"positive","sentiment_score":0.6932060122489929},{"text":"No, mate.","start":2445.105,"end":2445.825,"sentiment":"neutral","sentiment_score":-0.028372321277856827},{"text":"No.","start":2445.825,"end":2446.065,"sentiment":"neutral","sentiment_score":-0.05819584056735039},{"text":"It's just a matter of it.","start":2446.065,"end":2447.105,"sentiment":"neutral","sentiment_score":-0.02015448547899723},{"text":"It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there.","start":2447.105,"end":2455.76,"sentiment":"neutral","sentiment_score":0.1388785443865718}],"sentiment":"neutral","sentiment_score":0.13133615719154476,"num_words":50,"start":2438.01,"end":2455.76},{"sentences":[{"text":"But, you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you know, like, in the long run sort of thing.","start":2455.76,"end":2467.435,"sentiment":"neutral","sentiment_score":-0.06418962941011962},{"text":"But, I mean, yeah, I'm I'm I'm happy with what we've ended up with.","start":2467.435,"end":2471.2751,"sentiment":"neutral","sentiment_score":0.09619652799197606},{"text":"That's, you know, that's I'm I'm glad you sort of think about that.","start":2471.2751,"end":2475.5352,"sentiment":"neutral","sentiment_score":0.16350428444834855},{"text":"So, you know, and I talked to Carrie or whatever, and and I said, well, we're we're still getting a benefit or you still get a benefit.","start":2475.93,"end":2482.91,"sentiment":"neutral","sentiment_score":0.034734656275422486},{"text":"But but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go.","start":2483.13,"end":2491.125,"sentiment":"neutral","sentiment_score":-0.02587835201093522}],"sentiment":"neutral","sentiment_score":0.013295477434028568,"num_words":115,"start":2455.76,"end":2491.125},{"sentences":[{"text":"So, you know yeah.","start":2491.125,"end":2494.4849,"sentiment":"neutral","sentiment_score":0.011737519642338157},{"text":"Just just just keeping her covered.","start":2494.4849,"end":2496.585,"sentiment":"neutral","sentiment_score":0.15881850694616637},{"text":"Yep.","start":2520.085,"end":2520.585,"sentiment":"neutral","sentiment_score":0.12062975019216536},{"text":"Yes.","start":2527.525,"end":2527.95,"sentiment":"neutral","sentiment_score":0.08563107252120972},{"text":"Yes.","start":2541.31,"end":2541.63,"sentiment":"neutral","sentiment_score":0.060862042009830475}],"sentiment":"neutral","sentiment_score":0.09746030653611971,"num_words":13,"start":2491.125,"end":2541.63},{"sentences":[{"text":"Yep.","start":2541.63,"end":2542.03,"sentiment":"neutral","sentiment_score":0.06670989096164703},{"text":"No worries at all.","start":2542.03,"end":2543.025,"sentiment":"neutral","sentiment_score":0.08237742260098457},{"text":"That'd be great.","start":2543.585,"end":2544.545,"sentiment":"positive","sentiment_score":0.5200260082880656},{"text":"Lovely.","start":2544.545,"end":2545.045,"sentiment":"positive","sentiment_score":0.6394456624984741},{"text":"Yeah.","start":2559.0898,"end":2559.5898,"sentiment":"neutral","sentiment_score":0.02905150875449181}],"sentiment":"neutral","sentiment_score":0.2624794777482748,"num_words":10,"start":2541.63,"end":2559.5898},{"sentences":[{"text":"Oh, yeah.","start":2559.65,"end":2560.31,"sentiment":"neutral","sentiment_score":0.031418188475072384},{"text":"Mhmm.","start":2560.45,"end":2560.95,"sentiment":"neutral","sentiment_score":0.020927075296640396},{"text":"It it'll probably probably be about two weeks, I think, by the time that one comes through.","start":2561.57,"end":2565.49,"sentiment":"neutral","sentiment_score":0.028139622991575915},{"text":"So Yeah.","start":2565.49,"end":2567.99,"sentiment":"neutral","sentiment_score":0.093195840716362},{"text":"Yes.","start":2578.725,"end":2579.225,"sentiment":"neutral","sentiment_score":0.0328720360994339}],"sentiment":"neutral","sentiment_score":0.033973946114597114,"num_words":23,"start":2559.65,"end":2579.225},{"sentences":[{"text":"Okay.","start":2579.765,"end":2580.265,"sentiment":"neutral","sentiment_score":0.019345290958881375},{"text":"But there's nothing I've got to sign on this stuff at the moment?","start":2580.405,"end":2583.12,"sentiment":"neutral","sentiment_score":-0.03617591478933509},{"text":"Yeah.","start":2593.9202,"end":2594.2402,"sentiment":"neutral","sentiment_score":0.08606493473052979},{"text":"Yeah.","start":2594.2402,"end":2594.4802,"sentiment":"neutral","sentiment_score":0.00583238061517477},{"text":"Now what I mean what I mean was with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup sort of thing?","start":2594.4802,"end":2605.5352,"sentiment":"neutral","sentiment_score":0.01432341143178443}],"sentiment":"neutral","sentiment_score":0.0030115101074513336,"num_words":52,"start":2579.765,"end":2605.5352},{"sentences":[{"text":"Or Yeah.","start":2605.5352,"end":2613.52,"sentiment":"neutral","sentiment_score":0.01926063373684883},{"text":"So so virtually virtually when I'm happy with this, sign this one and get it out of the way, and then we'll worry about the other one later.","start":2613.52,"end":2620.8198,"sentiment":"neutral","sentiment_score":0.06474369528171207},{"text":"Yeah.","start":2622.0798,"end":2622.5798,"sentiment":"neutral","sentiment_score":0.09540370106697084},{"text":"Yep.","start":2625.28,"end":2625.585,"sentiment":"neutral","sentiment_score":0.06907524168491364},{"text":"Yep.","start":2626.545,"end":2627.045,"sentiment":"neutral","sentiment_score":0.05510383099317551}],"sentiment":"neutral","sentiment_score":0.06275537906383927,"num_words":33,"start":2605.5352,"end":2627.045},{"sentences":[{"text":"Yeah.","start":2629.585,"end":2629.9849,"sentiment":"neutral","sentiment_score":0.05286563932895661},{"text":"So that's right.","start":2629.9849,"end":2630.625,"sentiment":"neutral","sentiment_score":0.07353212932745616},{"text":"So yeah.","start":2630.625,"end":2631.025,"sentiment":"neutral","sentiment_score":0.022573484107851982},{"text":"We just worry about it if we have to sort of thing.","start":2631.025,"end":2633.105,"sentiment":"neutral","sentiment_score":-0.05611822893843055},{"text":"Yeah.","start":2633.105,"end":2633.605,"sentiment":"neutral","sentiment_score":0.017645161598920822}],"sentiment":"neutral","sentiment_score":-0.017745504743958775,"num_words":19,"start":2629.585,"end":2633.605},{"sentences":[{"text":"Okay.","start":2634.145,"end":2634.645,"sentiment":"neutral","sentiment_score":0.08015304058790207},{"text":"No.","start":2640.9202,"end":2641.08,"sentiment":"neutral","sentiment_score":-0.01751813478767872},{"text":"As of today.","start":2641.08,"end":2641.9802,"sentiment":"neutral","sentiment_score":-0.00797626314063867},{"text":"Yeah.","start":2644.36,"end":2644.86,"sentiment":"neutral","sentiment_score":0.13319295644760132},{"text":"Yeah.","start":2645.0,"end":2645.4001,"sentiment":"neutral","sentiment_score":0.11496757715940475}],"sentiment":"neutral","sentiment_score":0.040980949997901917,"num_words":7,"start":2634.145,"end":2645.4001},{"sentences":[{"text":"No.","start":2645.4001,"end":2645.9001,"sentiment":"neutral","sentiment_score":0.14037489891052246},{"text":"I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing.","start":2646.04,"end":2664.495,"sentiment":"neutral","sentiment_score":0.1269365833053049},{"text":"So I'm in I'm in control virtually.","start":2664.495,"end":2666.435,"sentiment":"neutral","sentiment_score":0.2301823134933199},{"text":"So but I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's been so it's virtually nearly two months.","start":2667.33,"end":2682.305,"sentiment":"neutral","sentiment_score":0.025691780172145136},{"text":"So and and, yeah, I haven't had any specific real problems, so I don't see there's gonna be too much of an issue going forward.","start":2682.305,"end":2689.7449,"sentiment":"neutral","sentiment_score":-0.12562807492911815}],"sentiment":"neutral","sentiment_score":0.05072454049624503,"num_words":125,"start":2645.4001,"end":2689.7449},{"sentences":[{"text":"So The only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently.","start":2689.7449,"end":2706.76,"sentiment":"neutral","sentiment_score":-0.07424375649009432},{"text":"But when I go back, I I just get every second Friday instead of every Wednesday.","start":2706.76,"end":2711.8352,"sentiment":"neutral","sentiment_score":-0.033353714854456484},{"text":"It's a bit of a bit of a drop that way.","start":2711.8352,"end":2714.0752,"sentiment":"neutral","sentiment_score":-0.13101443174210461},{"text":"But, I mean, they're they're just going back to the normal setup anyway, so it's what I'm used to.","start":2714.0752,"end":2718.0952,"sentiment":"neutral","sentiment_score":0.03222228866070509},{"text":"But it was just handy having an extra Wednesday.","start":2718.635,"end":2720.975,"sentiment":"neutral","sentiment_score":0.18674895332919228}],"sentiment":"neutral","sentiment_score":-0.025337617771906986,"num_words":90,"start":2689.7449,"end":2720.975},{"sentences":[{"text":"Yep.","start":2737.735,"end":2738.235,"sentiment":"neutral","sentiment_score":0.25215503573417664},{"text":"Yeah.","start":2741.8152,"end":2742.3152,"sentiment":"neutral","sentiment_score":0.16180723905563354},{"text":"Yep.","start":2747.5752,"end":2748.0752,"sentiment":"neutral","sentiment_score":0.16860166192054749},{"text":"Yes.","start":2757.8599,"end":2758.3599,"sentiment":"neutral","sentiment_score":0.055104319006204605},{"text":"Yes.","start":2763.6199,"end":2764.1199,"sentiment":"neutral","sentiment_score":0.08778732270002365}],"sentiment":"neutral","sentiment_score":0.14509111568331717,"num_words":5,"start":2737.735,"end":2764.1199},{"sentences":[{"text":"Yep.","start":2778.5999,"end":2779.0999,"sentiment":"neutral","sentiment_score":0.3129637837409973},{"text":"No worries, mate.","start":2781.3198,"end":2782.1199,"sentiment":"neutral","sentiment_score":0.19227499266465506},{"text":"Thank you very much, Dana.","start":2782.1199,"end":2783.4,"sentiment":"positive","sentiment_score":0.5255965530872345},{"text":"I appreciate that.","start":2783.4,"end":2784.46,"sentiment":"neutral","sentiment_score":0.24348366260528564},{"text":"I don't know what happened.","start":2789.885,"end":2791.025,"sentiment":"neutral","sentiment_score":-0.2680864542722702}],"sentiment":"neutral","sentiment_score":0.17104648491915533,"num_words":17,"start":2778.5999,"end":2791.025},{"sentences":[{"text":"That's what I said to Michelle when she jumped on and said, ah.","start":2793.325,"end":2795.805,"sentiment":"neutral","sentiment_score":0.07415867625520779},{"text":"Because I I thought it was you.","start":2795.805,"end":2797.085,"sentiment":"neutral","sentiment_score":0.017406383263213292},{"text":"So I said, hey.","start":2797.085,"end":2797.645,"sentiment":"neutral","sentiment_score":0.006141770631074905},{"text":"You're going down?","start":2797.645,"end":2798.2048,"sentiment":"neutral","sentiment_score":-0.014987800270318985},{"text":"I told her.","start":2798.2048,"end":2798.725,"sentiment":"neutral","sentiment_score":-0.018439636876185734}],"sentiment":"neutral","sentiment_score":0.033673074841499326,"num_words":30,"start":2793.325,"end":2798.725},{"sentences":[{"text":"She's on.","start":2798.725,"end":2799.125,"sentiment":"neutral","sentiment_score":-0.0254044309258461},{"text":"I said, oh, okay.","start":2799.125,"end":2801.085,"sentiment":"neutral","sentiment_score":-0.025349529925733805},{"text":"I said, I've I've got guess what's gonna happen.","start":2801.085,"end":2803.23,"sentiment":"neutral","sentiment_score":-0.14128603372308943},{"text":"Because as soon as it started to go over time, I did.","start":2803.39,"end":2805.4302,"sentiment":"neutral","sentiment_score":-0.09642047497133414},{"text":"I thought, oh, no.","start":2805.4302,"end":2806.03,"sentiment":"neutral","sentiment_score":-0.1750746350735426}],"sentiment":"neutral","sentiment_score":-0.10584275887137459,"num_words":31,"start":2798.725,"end":2806.03},{"sentences":[{"text":"She's got caught.","start":2806.03,"end":2807.01,"sentiment":"negative","sentiment_score":-0.3869828979174296},{"text":"And I was gonna say, if you if you did ring up, I was just gonna say, look.","start":2808.35,"end":2811.95,"sentiment":"neutral","sentiment_score":-0.12142291789253552},{"text":"Go home, and we'll talk about it later because you've got a long way to go.","start":2811.95,"end":2815.23,"sentiment":"neutral","sentiment_score":0.0021585711074294522},{"text":"So it's yep.","start":2815.23,"end":2825.3452,"sentiment":"neutral","sentiment_score":0.2005197157462438},{"text":"Yep.","start":2825.965,"end":2826.125,"sentiment":"positive","sentiment_score":0.4179979264736175}],"sentiment":"neutral","sentiment_score":-0.055913829375285565,"num_words":41,"start":2806.03,"end":2826.125},{"sentences":[{"text":"You're good, mate.","start":2826.125,"end":2827.105,"sentiment":"positive","sentiment_score":0.5481195052464803},{"text":"Yeah.","start":2828.205,"end":2828.705,"sentiment":"neutral","sentiment_score":0.21767526865005493},{"text":"Alright.","start":2828.7651,"end":2829.245,"sentiment":"neutral","sentiment_score":0.3122037649154663},{"text":"No worries, Dana.","start":2829.245,"end":2829.965,"sentiment":"positive","sentiment_score":0.4429809550444285},{"text":"Thank you, and you take care.","start":2829.965,"end":2831.31,"sentiment":"positive","sentiment_score":0.7689480682214102}],"sentiment":"positive","sentiment_score":0.5797763445547649,"num_words":14,"start":2826.125,"end":2831.31},{"sentences":[{"text":"Okay.","start":2833.55,"end":2834.05,"sentiment":"neutral","sentiment_score":0.30772557854652405},{"text":"Okay.","start":2834.35,"end":2834.75,"sentiment":"neutral","sentiment_score":0.22175313532352448},{"text":"You too.","start":2834.75,"end":2835.23,"sentiment":"neutral","sentiment_score":0.18223033100366592},{"text":"See you.","start":2835.23,"end":2835.8901,"sentiment":"neutral","sentiment_score":0.30327218770980835},{"text":"Yep.","start":2837.07,"end":2837.57,"sentiment":"neutral","sentiment_score":-0.09633678197860718}],"sentiment":"neutral","sentiment_score":0.20059242418834142,"num_words":7,"start":2833.55,"end":2837.57}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Dana.\n\nChannel 0: Hi, Colin. It's Zaina from OQ. How are you?\n\nChannel 1: I'm good, mate. How are you going?\n\nChannel 0: I'm very well. Thank you. How's your day been so far?\n\nChannel 1: Not bad, mate. Not bad. Yeah. Can't\n\nChannel 0: Oh,\n\nChannel 1: complain.\n\nChannel 0: fan fantastic. I had to book in just to go through your updated advice document. Is Nashville a good time there for you?\n\nChannel 1: Yeah, mate. No. That's far away.\n\nChannel 0: Fan fantastic. Do you happen to have access to your emails at the moment? I know I had\n\nChannel 1: Yep.\n\nChannel 0: sent that\n\nChannel 1: Yep.\n\nChannel 0: one\n\nChannel 1: Got\n\nChannel 0: through\n\nChannel 1: it all\n\nChannel 0: already.\n\nChannel 1: open, ready to go.\n\nChannel 0: Got\n\nChannel 1: Yep.\n\nChannel 0: it there. Fantastic. Have you had a chance to have a bit of a look through it?\n\nChannel 1: I had to skim through it last night. Yeah. And\n\nChannel 0: Yep.\n\nChannel 1: and, you\n\nChannel 0: Yep.\n\nChannel 1: know, only a quick one, but I had a look through\n\nChannel 0: Alright.\n\nChannel 1: it, mate. And and I think just from what I could see, like, not knowing the ins and outs specifically,\n\nChannel 0: Yeah.\n\nChannel 1: but it's it's pretty well what I want.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: I don't I\n\nChannel 0: Perfect.\n\nChannel 1: don't know. Just the way things are going, I don't you know, I just wanna have it nice and easy and and\n\nChannel 0: Yeah.\n\nChannel 1: whatever and and virtually just try and get as much into my super as I can, really, is what I'm\n\nChannel 0: Yeah.\n\nChannel 1: trying to to pump\n\nChannel 0: Absolutely.\n\nChannel 1: in. So Yeah.\n\nChannel 0: Absolutely. And with I know you were going back to the doctors over the last couple of days. How did that last appointment go for you?\n\nChannel 1: Yeah. No. That was good. That was yesterday, and I'm back\n\nChannel 0: Yep.\n\nChannel 1: to full time, back to\n\nChannel 0: Fantastic.\n\nChannel 1: pre injury duty. So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay. So\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Back to full pay. Excellent. Fantastic. Well, good to hear that's what you've been aiming\n\nChannel 1: Oh,\n\nChannel 0: for.\n\nChannel 1: you reckon?\n\nChannel 0: It's good to you're back early than you thought till you thought it would take a few more months. That's really good. Yeah.\n\nChannel 1: Oh, well, yeah. It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but,\n\nChannel 0: Yeah.\n\nChannel 1: you know, what I said to the doctor, I said, no. I don't want that. I wanna just get back as soon as I can because everything's working\n\nChannel 0: Yeah.\n\nChannel 1: okay where\n\nChannel 0: Of\n\nChannel 1: everything's\n\nChannel 0: course.\n\nChannel 1: good. And,\n\nChannel 0: Yeah.\n\nChannel 1: you know, it's alright for them to do that because they're not losing money. So\n\nChannel 0: Yes.\n\nChannel 1: they don't\n\nChannel 0: Absolutely.\n\nChannel 1: they don't particularly worry about that side of it. But\n\nChannel 0: Yeah.\n\nChannel 1: anyway,\n\nChannel 0: No.\n\nChannel 1: that's all good.\n\nChannel 0: Absolutely. All good. All good. Well, let's run through this one for you.\n\nChannel 1: Yep.\n\nChannel 0: On the front of the document there, you will see it has been prepared for yourself, Colin Andrews,\n\nChannel 1: This is\n\nChannel 0: as\n\nChannel 1: this is\n\nChannel 0: of\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: statement\n\nChannel 0: twenty fifth\n\nChannel 1: of advice.\n\nChannel 0: of May. That's the one. Yeah. Definitely.\n\nChannel 1: Yep. Okay. Hang on.\n\nChannel 0: Attach you alright?\n\nChannel 1: Yep. Got him. Yeah.\n\nChannel 0: Sorry\n\nChannel 1: Got\n\nChannel 0: if I\n\nChannel 1: him\n\nChannel 0: got\n\nChannel 1: now.\n\nChannel 0: a bit too fast for you.\n\nChannel 1: Well, I had everything lined up, but I didn't know which one you're gonna look at first. So\n\nChannel 0: No. That's okay. Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide. So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment.\n\nChannel 1: Yep.\n\nChannel 0: On the front of the very bottom, it does have my license number registered for you. It's 1304394. I'm an authorized representative registered with Assic. To make this a bit easier, we're sort of scoping in areas of superannuation. We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope.\n\nSo we're looking towards your retirement goals down the track here. So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll\n\nChannel 1: Yep.\n\nChannel 0: keep updating and changing it to reflect the changes in your circumstances as you get closer to it.\n\nChannel 1: Yep.\n\nChannel 0: Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings. We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney. You were really happy with how they are structured, so\n\nChannel 1: Yep.\n\nChannel 0: we're not looking to make any alterations to that side of the estate planning side of things for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That's cool.\n\nChannel 0: Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the\n\nChannel 1: Yep.\n\nChannel 0: areas that I need to, and then I'll let you go back and have a really good review of things if you like.\n\nChannel 1: Yes. Yes. That's\n\nChannel 0: To\n\nChannel 1: no\n\nChannel 0: make\n\nChannel 1: worries.\n\nChannel 0: it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and\n\nChannel 1: Yep.\n\nChannel 0: I'll just sort of run you through the recommendations as we are going through. Okay?\n\nChannel 1: No worries. Octolio is\n\nChannel 0: Perfect.\n\nChannel 1: fine.\n\nChannel 0: You're right.\n\nChannel 1: Okay. Page nine nine. Yep.\n\nChannel 0: That's the one? Perfect. So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you. So at the moment, one of the things we did sort of talk about was reducing your risk level. At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments.\n\nAnd we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment. So we're starting to step down and\n\nChannel 1: Yep.\n\nChannel 0: reduce that risk level gradually for you. We are looking to make a bit of an switch with the investments there. So you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying. So, essentially,\n\nChannel 1: Yep.\n\nChannel 0: we'll be selling off some of the Aveda shares cybersecurity. We still wanna\n\nChannel 1: Yep.\n\nChannel 0: hold about 4% of your total portfolio.\n\nChannel 1: Yep.\n\nChannel 0: We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio.\n\nChannel 1: Uh-huh.\n\nChannel 0: With the health care side of things, we'll sell that completely down as well. We are gonna retain the S and P 500, so buying a bit more of that in there. I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested. So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well. So we do wanna hold about 25% there.\n\nChannel 1: Yep.\n\nChannel 0: One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index. So you're tracking the top 500 companies in The US. To be in that index, these companies actually have to meet a certain criteria. So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Got it. So, yeah,\n\nChannel 0: yeah.\n\nChannel 1: they if they don't perform, they're they're\n\nChannel 0: Yep.\n\nChannel 1: kicked out.\n\nChannel 0: Absolutely. Yeah. So you are always tracking the top 500 companies, which\n\nChannel 1: Yep.\n\nChannel 0: is really good to kind of know. Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred. We're going to get rid of that investment\n\nChannel 1: Okay.\n\nChannel 0: completely, and we are also getting rid of Bennelong Australian Equities. It's the one that has been underperforming a bit in recent months there. Bennelong was meant to be more of an actively managed fund within your portfolio, and it was\n\nChannel 1: Yep.\n\nChannel 0: supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that. They've had some underlying issues, so we've reviewed\n\nChannel 1: Yep.\n\nChannel 0: them and decided they're not worth keeping in the portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper. We're actually on the top of the next page. We're placing them with the a 200 here, so the BetaShares Australian 200.\n\nChannel 1: Okay. Yep.\n\nChannel 0: By doing this, the a 200 tracks the top 200 companies on the ASX. Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies\n\nChannel 1: Yep.\n\nChannel 0: on the Australian share market. So it's more of a passively managed fund. It's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well. Okay.\n\nChannel 1: Yep. Yep. No problem.\n\nChannel 0: Yeah. Perfect. We've also got down here for the JPMorgan Global Enhanced Research Index Fund there. We are gonna remove that from the portfolio wholly, and we've got some physical gold there. It has done really well.\n\nWe're just rebalancing it back a little bit. At the moment, you've got about 10.54%. We just wanna hold 10% overall in the new portfolio. So it's just about selling a little bit of that off and spreading that across other areas.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We've got the iShares Yield plus that one there is being completely sold down. And the bank hybrids, again, they are being removed completely as well. Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there. And bank hybrids\n\nChannel 1: Yep.\n\nChannel 0: over the next couple of years are actually gonna be phased out by the government. So we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather\n\nChannel 1: Yep.\n\nChannel 0: than in\n\nChannel 1: Yep.\n\nChannel 0: a couple of years. Once they're fully phased out,\n\nChannel 1: Yep.\n\nChannel 0: We have to make that change quickly. So we're\n\nChannel 1: Yep.\n\nChannel 0: just making the change whilst we're doing all the other changes here at the moment for you. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well. So, essentially, this is yeah, diversifying across the globe. Not The US because you have the S and P 500 there. That's why it's ex\n\nChannel 1: Yep.\n\nChannel 0: US. But it is, again, giving you diversification. So one of the important parts of diversifying your portfolio is not only having\n\nChannel 1: Mhmm.\n\nChannel 0: growth in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there. So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with. And then defensive investments wise, we've also got the core composite bonds in there. So bonds this is looking at bonds both corporate and government. It also has bank notes, and it also does have some diversification across the globe as well. So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important.\n\nYou wanna have dividends and income produced out of your portfolio. That goes into your cash account, and we can reinvest that back into your portfolio for compounding. So bonds are really good. A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool. Okay.\n\nChannel 1: Yep. K. Gotcha.\n\nChannel 0: Beautiful. I try to keep that pretty brief. Not everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know. Happy to go further down for you. But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio.\n\nOkay.\n\nChannel 1: Yeah. Right. Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Not a worry. Yeah.\n\nChannel 0: Easy. All good. If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yeah. Beautiful. So we're moving you down into that balanced growth environment. So starting to reduce your risk level gradually as you get closer to accessing super. So this risk profile generally sees at 20 oh, sorry.\n\n70% in growth investments and 30% defensive. It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then\n\nChannel 1: Okay.\n\nChannel 0: defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also\n\nChannel 1: Yep.\n\nChannel 0: some cash in there as well. So it's about diversifying there. With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments. So a bit overweighted with where we are at the moment, more in that growth kind of allocation. So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%.\n\nSo it's about sort of a 5% variance from where that growth in defensive allocation\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: It's\n\nChannel 0: your\n\nChannel 1: not\n\nChannel 0: risk\n\nChannel 1: yet.\n\nChannel 0: profile is, but it's very much in line with that. And it's about just reducing your risk level a little bit, which is what this portfolio does for you. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: K.\n\nChannel 0: Perfect. Excellent. We've also got here on the next page to see comparison table. So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment. With where you are currently, you're in that growth portfolio, which hasn't done too badly.\n\nYou've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there. But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there. So with making the changes to your investments as noted above, we actually noted that there's no capital gains. The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit.\n\nChannel 1: Yep.\n\nChannel 0: So it actually means that there's no CGT consequences your super fund has to account for, which is great. No additional tax for your super fund to worry about.\n\nChannel 1: Happy\n\nChannel 0: So\n\nChannel 1: with that.\n\nChannel 0: yeah. Absolutely. Absolutely. So it does mean the balance expected in the recommended would be about the same as the $311,002.79. We are retaining Hub twenty four, so there's no change in the investment fees there.\n\nHub twenty four is still a great platform. There's no real major changes that needs to happen to that at the moment. We do wanna obviously keep checking things. We do reevaluate. We are looking at investments, other platforms out there, and we did consider a few.\n\nBut the the capital gains cost of selling down your portfolio completely and moving to a new fund\n\nChannel 1: Yeah.\n\nChannel 0: just doesn't really add up at all. So it ended up being too much. It's best to try and retain where you can and switch investments where you can as well. So\n\nChannel 1: Yeah. That's right. It makes sense. I mean, you just gotta keep following them. Well, I mean, it's hard, but it's easy for you to say that.\n\nI don't I don't get a lot of what you, you know, what you fellas do. But,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, you you just know where you are sort of thing. So\n\nChannel 0: Yeah.\n\nChannel 1: you virtually, you're following the flow the same as anyone would in any business.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually.\n\nChannel 0: Yeah.\n\nChannel 1: So, I mean, a\n\nChannel 0: Yeah.\n\nChannel 1: lot of this stuff is in the dark for me, but I'm I'm getting what you're saying.\n\nChannel 0: Yeah. That's\n\nChannel 1: And\n\nChannel 0: good.\n\nChannel 1: it and it all\n\nChannel 0: That's\n\nChannel 1: and\n\nChannel 0: good.\n\nChannel 1: it all makes sense. You know? So\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Perfect.\n\nChannel 1: that's good. But\n\nChannel 0: Yeah.\n\nChannel 1: it'd be I'm I'm I'm happy with with the way we're\n\nChannel 0: Yep.\n\nChannel 1: going and and the direction we're going at the moment anyway. So that's\n\nChannel 0: Yep.\n\nChannel 1: that's the main thing.\n\nChannel 0: Yeah. Perfect. Perfect. The good thing about the investment switch is you'll see your investment fees do drop. So we started off with the $12.58.\n\nIt's down to $5.29 with the new portfolio. So it essentially saves $729 in investment fees for the first year, which is great. Any kind of saving on fees means that that money stays in your super in your portfolio growing towards\n\nChannel 1: Yes.\n\nChannel 0: your retirement, which is a a great advantage to the changes.\n\nChannel 1: Yep.\n\nChannel 0: The ongoing service fee, that does encounter a bit of growth there. That's why you see it goes up a little bit for this side of the projection table. We also\n\nChannel 1: Yep.\n\nChannel 0: factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income. And you'll see your insurance premiums going down there as well. So we've made that recommendation\n\nChannel 1: Yep.\n\nChannel 0: to reduce your life down to that 300,000, cancel\n\nChannel 1: Yeah.\n\nChannel 0: your TBD,\n\nChannel 1: Yep.\n\nChannel 0: which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep. Fantastic.\n\nChannel 0: We as we noted, we are looking to reduce that risk level a bit. So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio. So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you\n\nChannel 1: Yep.\n\nChannel 0: in a much greater position moving forward there. Okay.\n\nChannel 1: Yep. Yep. Got\n\nChannel 0: Perfect. Perfect. That's the sense of the projection side of things there. If you go down to the next page, page number 24, we've got the retirement\n\nChannel 1: that.\n\nChannel 0: income calculated there. So by looking at the changes that we are making, we're sort of projecting forward to retirement. We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well. So this sort of shows that with your\n\nChannel 1: Yes.\n\nChannel 0: super balance retiring at the age that you want to. And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both.\n\nChannel 1: Yes.\n\nChannel 0: But, realistically,\n\nChannel 1: Yep.\n\nChannel 0: we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there. And that's just factoring in your super and the expected pension side of things. We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we\n\nChannel 1: Yep.\n\nChannel 0: need to to make sure everything continues to work hard for you. Okay.\n\nChannel 1: Sounds good.\n\nChannel 0: Yeah. Beautiful. It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition.\n\nChannel 1: Yeah. That's right. Exactly. You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever.\n\nChannel 0: Yep.\n\nChannel 1: But then when I finally got a a permanent job,\n\nChannel 0: Yep.\n\nChannel 1: I started to actually put a bit of because the old man said to me, you know, you have you looked at super? And I said, well, no. You don't do\n\nChannel 0: Yeah.\n\nChannel 1: that when you're young. You know? Like,\n\nChannel 0: Yeah.\n\nChannel 1: and he said, well you know, because he he used to work for the the hospital, so he was in a government setup.\n\nChannel 0: Yeah.\n\nChannel 1: And they had a good system sort of thing, and he said, well, you should start looking at it. He said, you know, you don't have to, but you should start putting something away. So I did.\n\nChannel 0: Yeah.\n\nChannel 1: And I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else. And and, yeah, some for some reason, it was just sort of left behind. Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually\n\nChannel 0: Yeah.\n\nChannel 1: start putting anything myself or into super at all. But, anyway, I mean, eventually, like, we're getting to this point. It should I should have been a lot better off, obviously, which we all say that, but\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: just one of those things that life is what it is. And, you know\n\nChannel 0: That's\n\nChannel 1: but I\n\nChannel 0: it.\n\nChannel 1: mean, I I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna be unhappy with what what we're working towards. So\n\nChannel 0: No. No. Definitely\n\nChannel 1: yeah.\n\nChannel 0: not. And, look, there's still plenty of time to to work towards it. And even when you go into this retirement years, your money remains invested. We look to draw down a pension and keep everything sort of still working harder for you. So\n\nChannel 1: Yes.\n\nChannel 0: it's just about,\n\nChannel 1: Yes.\n\nChannel 0: you know, creating that longevity and continuously altering and changing. And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on. You're going back into that full time work. But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR\n\nChannel 1: Yeah.\n\nChannel 0: strategy,\n\nChannel 1: Cool. That's\n\nChannel 0: add\n\nChannel 1: all.\n\nChannel 0: additional contributions. Everything in the advice world is liquid. We can be moving things back and forth and altering the advice as\n\nChannel 1: Yep.\n\nChannel 0: we need to. So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself. So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: doing well.\n\nChannel 1: That's why I take\n\nChannel 0: All\n\nChannel 1: a take\n\nChannel 0: good.\n\nChannel 1: a bit of money.\n\nChannel 0: That's it. That's it.\n\nChannel 1: Yeah.\n\nChannel 0: If you scroll down to page 25 there, Colin,\n\nChannel 1: Yep.\n\nChannel 0: you'll see that we've got the insurance side of things. So we did give you all those different quotes that had a bit of a chat about the insurance side of things. So at the moment, you do have your life and TPD covered there. You are happy just to cancel the TPD. It is the largest portion of the cost of your cover.\n\nAnd, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off. Your super balance does that, and then does also provide additional cover and carrier's still working as\n\nChannel 1: Yes.\n\nChannel 0: well. So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal. And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you. You are comfortable with reducing your life cover down to the $300,000\n\nChannel 1: Yep.\n\nChannel 0: mark.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Just\n\nChannel 1: Yeah.\n\nChannel 0: making sure\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: if anything\n\nChannel 1: fine.\n\nChannel 0: happens, yeah, that pays off the mortgage. That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do\n\nChannel 1: Yep.\n\nChannel 0: moving\n\nChannel 1: Yeah.\n\nChannel 0: forward\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: No.\n\nChannel 0: well.\n\nChannel 1: That's right. Yeah.\n\nChannel 0: So yeah. Absolutely. Yeah. So that does actually reduce your insurance payments quite drastically. We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00.\n\nSo it is a huge difference. It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily. So that's 8,558 that stays in your super working harder for you. Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover. The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that.\n\nSo you do get\n\nChannel 1: Yeah.\n\nChannel 0: a refund\n\nChannel 1: Gotcha.\n\nChannel 0: if it does go through renewal. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Right. Yeah. Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here. And that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you. It's really important that any recommendations we make are in your best interest in working for your goals. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well. So I'll let you sort of run your eyes over those a bit later. They are a bit arduous, so take some time to read them over. And feel free to let me know if you do happen to have any questions there.\n\nOkay?\n\nChannel 1: Yep. Yep. Not a problem.\n\nChannel 0: Excellent. The next side of things is that transition to retirement side. If you go down to page number 30 for me, I'll take you through this one.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you. You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially, looking at pre disability income. So with the payslip, we were able to go back and have a really good look. Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there.\n\nChannel 1: Mhmm.\n\nChannel 0: To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off. So we've looked at a as well.\n\nChannel 1: Yes,\n\nChannel 0: We've\n\nChannel 1: ma'am.\n\nChannel 0: sort of had to minus those off. So we've looked at, essentially, what your income was. So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there. So that's just\n\nChannel 1: Yep.\n\nChannel 0: the current\n\nChannel 1: Yep.\n\nChannel 0: position. We're sort of not really worried about that at the moment because we're working on the proposed side of things.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But,\n\nChannel 1: Yeah.\n\nChannel 0: essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice. So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was. So we were able to look at your base salary is about $75,006.55 pre disability.\n\nChannel 1: Mhmm.\n\nChannel 0: You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis. We're gonna increase those up to $15,007.03 9. So it works out from a $100 per week. We increase your salary sacrifice to $302.67 per week. And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income.\n\nSo we keep minusing those off, and that gives us your net employment income of about $32,008.07 3. To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works\n\nChannel 1: Mhmm.\n\nChannel 0: out to be about a $143.65 per week. And that brings you back to the $40,003.43, which is the net take home pay based on all of the above. Does that make\n\nChannel 1: Right.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: It's a lot\n\nChannel 1: Yep.\n\nChannel 0: of math. I'm so sorry.\n\nChannel 1: No. No. That's the way it is. It's it it all looks good. Like, you know,\n\nChannel 0: Yep.\n\nChannel 1: I mean, if it's\n\nChannel 0: Yep.\n\nChannel 1: as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem. You know? And\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: and that's what you're getting paid for sort of thing. So, you know,\n\nChannel 0: Yeah.\n\nChannel 1: but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before. So\n\nChannel 0: Yep. Oh, that's\n\nChannel 1: I'm I'm\n\nChannel 0: really good.\n\nChannel 1: I'm\n\nChannel 0: Yeah.\n\nChannel 1: laughing. You know? So\n\nChannel 0: Yeah. No. That's okay. So this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work. We've had to kind of do the math and work out what your pre disability income was based on the payslips provided.\n\nSo\n\nChannel 1: Yeah. Yep.\n\nChannel 0: when\n\nChannel 1: Yep.\n\nChannel 0: you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know. I can always come back, reevaluate the math a little bit, and we can always refresh it and move it\n\nChannel 1: Yeah.\n\nChannel 0: back in and out. So\n\nChannel 1: Yeah.\n\nChannel 0: there's\n\nChannel 1: Well, I\n\nChannel 0: no\n\nChannel 1: thought\n\nChannel 0: need\n\nChannel 1: once\n\nChannel 0: to worry\n\nChannel 1: I once\n\nChannel 0: there.\n\nChannel 1: I get settled\n\nChannel 0: Yeah.\n\nChannel 1: down again, yeah, I'll I'll send you the the latest payslips or whatever. And then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway. So\n\nChannel 0: Nice. Nice.\n\nChannel 1: I'll put in for a wage review and and whatever. It's taken two bloody years. But anyway, yeah, we've had a lot of stuff going on with council. But anyway yeah. So hopefully, like, I'm in the I'm in the wings for another pay rise anyway.\n\nSo that'll\n\nChannel 0: Yeah.\n\nChannel 1: go up again. Fingers\n\nChannel 0: Yeah.\n\nChannel 1: crossed. So\n\nChannel 0: Yeah. Yeah. Perfect. Well, if it does, let me know. Because as I said, we\n\nChannel 1: Yep.\n\nChannel 0: can refresh these. We can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with\n\nChannel 1: Thank\n\nChannel 0: the deductions\n\nChannel 1: you.\n\nChannel 0: going in there. And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there. So we've added\n\nChannel 1: Yes.\n\nChannel 0: those back in, but then also kept the post tax deductibles and the pretax deductibles coming\n\nChannel 1: Yes.\n\nChannel 0: out\n\nChannel 1: Yep.\n\nChannel 0: and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there. So\n\nChannel 1: Yes. Yes.\n\nChannel 0: it\n\nChannel 1: Gotcha.\n\nChannel 0: was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are. But we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. We can roll back in and out of TTR pension phase and accumulation as often\n\nChannel 1: Oh,\n\nChannel 0: as\n\nChannel 1: okay.\n\nChannel 0: we need to. The\n\nChannel 1: I\n\nChannel 0: only\n\nChannel 1: thought\n\nChannel 0: main\n\nChannel 1: that I thought it might be a like a one off. Once you do it, that shit, you can't\n\nChannel 0: no.\n\nChannel 1: go back.\n\nChannel 0: Yeah. No. We can refresh this as often as we like. We try to do it once a year.\n\nChannel 1: Yep.\n\nChannel 0: So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work\n\nChannel 1: Yes.\n\nChannel 0: next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase\n\nChannel 1: Yep.\n\nChannel 0: because to start with, we're gonna do the investment switch anyway.\n\nChannel 1: Yep.\n\nChannel 0: So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you. That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in. Because then when\n\nChannel 1: Yes.\n\nChannel 0: we roll in, we try to give it a good year to make sure it's all kind of working to see\n\nChannel 1: Working\n\nChannel 0: the benefits.\n\nChannel 1: very well. Yeah. Yep.\n\nChannel 0: Yeah. And\n\nChannel 1: I thought\n\nChannel 0: then\n\nChannel 1: that's\n\nChannel 0: kinda\n\nChannel 1: it.\n\nChannel 0: roll you back. The\n\nChannel 1: Yes.\n\nChannel 0: we can roll you back and forth as much as you want. There's no issues there. It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown. So\n\nChannel 1: Oh, okay.\n\nChannel 0: works for you\n\nChannel 1: Right here. Yeah.\n\nChannel 0: whenever\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: Excellent.\n\nChannel 0: roll you back out of that pension phase. So\n\nChannel 1: Good.\n\nChannel 0: I try to sort of make sure the numbers are on point before we kind of go forward into it. We can make some alterations once we're there, but it just makes it easier on you if we do that beforehand. So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes.\n\nChannel 1: Yep.\n\nChannel 0: I'll just run the numbers over again to double check that. And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through\n\nChannel 1: Yep.\n\nChannel 0: to you.\n\nChannel 1: Yep.\n\nChannel 0: Does that\n\nChannel 1: Okay.\n\nChannel 0: sound okay? Yep.\n\nChannel 1: Yeah. Sounds good. Yeah.\n\nChannel 0: Yep. Beautiful. Beautiful. But I've really enjoyed putting this together. It's been a lot of fun.\n\nYour payslip has been one of the most interesting. I've really enjoyed looking at it and just because it's been going out gradually over the past few months. But it's kinda cool to see you getting back on top and getting back to work over that time too. It's really fun.\n\nChannel 1: Oh, I don't know about the fun bit, but it's been it's been a bit of a yeah. It's been a haul, but,\n\nChannel 0: It\n\nChannel 1: you\n\nChannel 0: has.\n\nChannel 1: know, like, I'm\n\nChannel 0: Yeah.\n\nChannel 1: just I'm just I just don't want it to I just didn't want it\n\nChannel 0: No.\n\nChannel 1: to sort of go on too much longer sort of thing. And and, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: everyone everyone was okay with with it at work and everything else. And and, you know, I said the doctor's on my side anyway. So\n\nChannel 0: Yeah.\n\nChannel 1: that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point. So and I think in the long run, virtually, it's it's me. Like, I'm the one that says, well, I wanna do this or no. I wanna extend it or whatever. That's I think\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: the whole point. It it should be up to me. So and I'm happy. So I don't know, you know, I don't care what the other father was saying. So I'm I'm I'm happy with what I'm doing.\n\nSo that's\n\nChannel 0: Yeah.\n\nChannel 1: that's the money. And and, you know,\n\nChannel 0: No. It's good.\n\nChannel 1: they can they can go jump.\n\nChannel 0: Absolutely. Absolutely. But now it's good that you've at least had that downtime to let your body recuperate back to where it is now. So, hopefully,\n\nChannel 1: Oh, yeah.\n\nChannel 0: going\n\nChannel 1: My\n\nChannel 0: back\n\nChannel 1: word.\n\nChannel 0: to work is\n\nChannel 1: My word.\n\nChannel 0: the right\n\nChannel 1: It's\n\nChannel 0: thing.\n\nChannel 1: it's made\n\nChannel 0: Yeah.\n\nChannel 1: all the difference. Don't get me wrong. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'm I'm re I'm ready to get back into it. So\n\nChannel 0: You're ready?\n\nChannel 1: yeah.\n\nChannel 0: No. That's really good. Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well. Makes a a bit of a difference to the budget, especially with the cost of living at the moment. It's pretty horrendous out there.\n\nSo\n\nChannel 1: There it is. No. That's it. Exactly right. Everything nothing's coming\n\nChannel 0: Yeah.\n\nChannel 1: down, mate, too too well. But,\n\nChannel 0: No.\n\nChannel 1: yeah, it's, you know, you you see the other side of it too. You're you're a mom, and\n\nChannel 0: Yep.\n\nChannel 1: you're looking after the, you know, the\n\nChannel 0: Absolutely.\n\nChannel 1: household side, I guess, or whatever. But that's it. And, you know, they're not making it easy for us, so we gotta try and grab what we can when\n\nChannel 0: Yeah. Absolutely. Most definitely. Yep. No.\n\nAbsolutely. All good.\n\nChannel 1: we can.\n\nChannel 0: If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury. But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there. We're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817. So it's a good increase on your contributions there. There's more money going into super.\n\nIt does increase the income the tax side of things on the contributions. So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go\n\nChannel 1: Yep.\n\nChannel 0: up to 3,072, but you can sort of see the difference there. The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name. So,\n\nChannel 1: Yeah. Yeah. Exactly.\n\nChannel 0: yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140. It reduces down after we increase salary sacrifice to 8,124. So\n\nChannel 1: Yep.\n\nChannel 0: you're saving easy\n\nChannel 1: Yes.\n\nChannel 0: just under, you know, $3 in tax there,\n\nChannel 1: Yeah.\n\nChannel 0: and you're\n\nChannel 1: I believe.\n\nChannel 0: only increasing\n\nChannel 1: Yeah.\n\nChannel 0: it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super. So it does make\n\nChannel 1: Yeah.\n\nChannel 0: quite a bit of a difference on the tax side of things, which is good. And having more money inside Super, where it is concessionally tax, means that there's more money invested. So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in. So because it's tax free when it comes out, we can\n\nChannel 1: Yes.\n\nChannel 0: take less out than we need to put in. So you're putting more money in. It's taxed more concessionally,\n\nChannel 1: Yes.\n\nChannel 0: but then you're also saving on your insurance premiums and the fees for the investments, which as well. So all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time. Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: Oh, my\n\nChannel 0: Yeah.\n\nChannel 1: word. Yes. Yep. Yep.\n\nChannel 0: Beautiful. We have outlined that the, again, the advantages, the disadvantages, the risks involved. Obviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy. So it does mean we do need to review the strategy when your income\n\nChannel 1: Yes.\n\nChannel 0: does happen to change to make sure it is working and in line. If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter. But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment. So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy.\n\nChannel 1: Yes.\n\nChannel 0: The benefits are, again, that you save a bit of tax. The tax inside of Super is 15% compared to your marginal tax rate. That's basically half your marginal tax rate, which is insane. So you do end up with more\n\nChannel 1: Yes.\n\nChannel 0: money invested and compounding forward towards your future goals. And these strategies can be altered and changed as we need to as well. So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you. Okay?\n\nChannel 1: Yep. No. It sounds good, Mike. Sounds good.\n\nChannel 0: Beautiful. Beautiful. Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there. The first one is the TTR pension account. The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there.\n\nYou do pay the ongoing service fee of 1.6 oh, sorry. 1.1%. That will remain. It's that's the joint because you and Carrie are both clients. So 1.1% per annum, and that is deducted in smaller monthly increments there.\n\nSo that is essentially prorated across the both accounts, the super and the TCR pension account.\n\nChannel 1: Okay.\n\nChannel 0: And that's sort of showing on page number 40. We've got another sort of fee comparison table there, and\n\nChannel 1: Yep.\n\nChannel 0: that shows the adviser fee spread across the two accounts there for you. We're opening up a secondary account. So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account. So you will pay a\n\nChannel 1: Yep.\n\nChannel 0: bit more in admin fees across the two investment fees\n\nChannel 1: Yep.\n\nChannel 0: across the two. But overall, the admin fees oh, sorry. The investment fees are still gonna be saved because\n\nChannel 1: Yes.\n\nChannel 0: the portfolio that we're investing in is overall cheaper. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful. And then, yeah, the portfolio, we do sort of hope works a little bit harder for you. We can do catch ups as we're going through to see how things are working.\n\nChannel 1: Mhmm.\n\nChannel 0: Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a\n\nChannel 1: That'd\n\nChannel 0: full annual\n\nChannel 1: be fine.\n\nChannel 0: review in\n\nChannel 1: Yeah.\n\nChannel 0: twelve months? Would\n\nChannel 1: Yeah.\n\nChannel 0: that be\n\nChannel 1: No.\n\nChannel 0: okay?\n\nChannel 1: That'd be\n\nChannel 0: Yep.\n\nChannel 1: fine. Yeah.\n\nChannel 0: Yep. Beautiful. And I'll make a note here that the first thing we'll look at doing take some time to read it through. Let me know if you do happen to have any questions there. We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: then we go into the pension account. So once you get your first payslip after going back, if you can just shoot that through to me, I can just\n\nChannel 1: Yep.\n\nChannel 0: run the numbers again. And if there's something I need to alter or change,\n\nChannel 1: Yep.\n\nChannel 0: I can just update that advice prior to us moving into the pension phase for you. Is that okay?\n\nChannel 1: Not not a\n\nChannel 0: Yeah.\n\nChannel 1: problem, mate. That'd be great. Thank you.\n\nChannel 0: Beautiful. That's okay. I know it is a lot. Do you have any questions for me at the moment? Or\n\nChannel 1: No, mate. No. It's just a matter of it. It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there. But,\n\nChannel 0: Yeah.\n\nChannel 1: you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you\n\nChannel 0: Yeah.\n\nChannel 1: know, like, in the long run sort of thing. But, I mean, yeah, I'm I'm I'm happy with what we've ended up with. That's, you know, that's\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm glad\n\nChannel 0: Perfect.\n\nChannel 1: you sort of think about that. So,\n\nChannel 0: Yep.\n\nChannel 1: you know, and I talked to Carrie or whatever, and and I said,\n\nChannel 0: Yeah.\n\nChannel 1: well, we're we're still getting a benefit or you still get a benefit. But\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: Just\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: perfect.\n\nChannel 1: just keeping her covered.\n\nChannel 0: Yeah. No. That's absolutely perfect. That's fantastic. Well, I'm glad that I was able to put this together for you.\n\nAgain, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers. And if there's any alterations we need to make, I'll do that process rolling in the pension phase. It's very easy to update the advice document.\n\nChannel 1: Yep.\n\nChannel 0: And when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there. So\n\nChannel 1: Yes.\n\nChannel 0: you're comfortable still with your legal personal representative. I know everything goes through your will for the both of you. So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well. Okay?\n\nChannel 1: Yes. Yep. No worries at all.\n\nChannel 0: Yeah.\n\nChannel 1: That'd\n\nChannel 0: Beautiful.\n\nChannel 1: be great.\n\nChannel 0: Beautiful.\n\nChannel 1: Lovely.\n\nChannel 0: Easy. That's basically everything I did have to run through, so feel free to have a read through the document. Let me know if you do happen to have any questions there. And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for\n\nChannel 1: Yeah.\n\nChannel 0: you before\n\nChannel 1: Oh, yeah.\n\nChannel 0: you roll in the pension\n\nChannel 1: Mhmm.\n\nChannel 0: phase. Okay?\n\nChannel 1: It it'll probably\n\nChannel 0: Yeah.\n\nChannel 1: probably be about two weeks, I think, by the time that\n\nChannel 0: Yep.\n\nChannel 1: one comes through. So\n\nChannel 0: Yeah. That's absolutely fine. Take\n\nChannel 1: Yeah.\n\nChannel 0: some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board. And then if you are, I would just get you to sign and return that all\n\nChannel 1: Yes.\n\nChannel 0: back for me. Okay?\n\nChannel 1: Okay. But there's nothing I've got to sign on this stuff at the moment?\n\nChannel 0: If you're comfortable and you just wanna proceed, you can sign and return it back to me. But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah. Now\n\nChannel 0: give you\n\nChannel 1: what\n\nChannel 0: a chance\n\nChannel 1: I mean\n\nChannel 0: to\n\nChannel 1: what I mean was\n\nChannel 0: yeah.\n\nChannel 1: with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup\n\nChannel 0: Yep.\n\nChannel 1: sort of thing? Or\n\nChannel 0: Yeah. If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one. But I'll\n\nChannel 1: Yeah.\n\nChannel 0: get you\n\nChannel 1: So\n\nChannel 0: to sign\n\nChannel 1: so\n\nChannel 0: this one\n\nChannel 1: virtually\n\nChannel 0: first if you're comfortable\n\nChannel 1: virtually\n\nChannel 0: taking\n\nChannel 1: when\n\nChannel 0: it\n\nChannel 1: I'm\n\nChannel 0: on\n\nChannel 1: happy\n\nChannel 0: board.\n\nChannel 1: with this, sign this one and get it out\n\nChannel 0: Yep.\n\nChannel 1: of the way, and then we'll\n\nChannel 0: Yep.\n\nChannel 1: worry about the other one later.\n\nChannel 0: Yeah. Absolutely. That's\n\nChannel 1: Yeah.\n\nChannel 0: if we need to do another one. If if everything still stacks up with your\n\nChannel 1: Yep.\n\nChannel 0: new payslip,\n\nChannel 1: Yep.\n\nChannel 0: then we won't need to make any changes.\n\nChannel 1: Yeah.\n\nChannel 0: We'll\n\nChannel 1: So that's\n\nChannel 0: just\n\nChannel 1: right.\n\nChannel 0: proceed\n\nChannel 1: So yeah.\n\nChannel 0: the way\n\nChannel 1: We\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: is.\n\nChannel 1: worry about it if we have to sort of thing. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Absolutely. Yeah. All good. So when are you you're back full time as of next week. Is that right?\n\nChannel 1: No. As of today.\n\nChannel 0: Oh, as of today? Fantastic.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Fantastic.\n\nChannel 1: I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing. So\n\nChannel 0: Yep.\n\nChannel 1: I'm in I'm in control virtually. So\n\nChannel 0: Okay.\n\nChannel 1: but\n\nChannel 0: Perfect.\n\nChannel 1: I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's\n\nChannel 0: Yep.\n\nChannel 1: been so it's virtually nearly two months. So and and, yeah, I haven't had any specific real\n\nChannel 0: Okay.\n\nChannel 1: problems, so I don't see there's gonna be too much of an issue going forward. So\n\nChannel 0: Yeah. Fantastic. Fantastic. Good to see. Well, back full time, back Monday to Friday again.\n\nThat'll be really good.\n\nChannel 1: The\n\nChannel 0: Yeah.\n\nChannel 1: only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently. But when I go back, I\n\nChannel 0: Yep.\n\nChannel 1: I just get every second Friday instead of every Wednesday. It's a bit of a bit of a drop that way. But, I\n\nChannel 0: Yeah.\n\nChannel 1: mean, they're they're just going back to the normal setup anyway, so it's what I'm used to.\n\nChannel 0: Yeah.\n\nChannel 1: But it was\n\nChannel 0: Yeah.\n\nChannel 1: just handy having an extra Wednesday.\n\nChannel 0: And in the middle of the week too. Yeah. No. Perfect. All good.\n\nWell, I'm really happy that it's all worked out well for you. Back all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you. Reducing\n\nChannel 1: Yep.\n\nChannel 0: your risk is one of the most important things I wanna get started. And\n\nChannel 1: Yeah.\n\nChannel 0: whenever I set up a pension, we start by just rolling over into the TTR pension account. That\n\nChannel 1: Yep.\n\nChannel 0: does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment. That way you're\n\nChannel 1: Yes.\n\nChannel 0: not increasing contributions prior to the first drawdown coming if it doesn't leave you late. So\n\nChannel 1: Yes.\n\nChannel 0: that's the way I tend to do those sorts of things. But, yeah, that'd be good. And, like, once you get your paces through, I'll run the numbers. And if there are changes, I'll let you know we need to change the advice prior to rolling into pension. If there's no changes, I'll let you know we're good to proceed, and\n\nChannel 1: Yep.\n\nChannel 0: we'll just keep going for you. Okay? Yeah.\n\nChannel 1: No worries, mate. Thank you very much, Dana. I appreciate\n\nChannel 0: That's\n\nChannel 1: that.\n\nChannel 0: okay. Not a problem. I'm so sorry. I had to cancel last night and push the appointment. My last call\n\nChannel 1: I don't know\n\nChannel 0: took\n\nChannel 1: what\n\nChannel 0: a bit\n\nChannel 1: happened.\n\nChannel 0: longer than I was expecting.\n\nChannel 1: That's what I said to Michelle when she jumped on and said, ah. Because I I thought it was you. So I said, hey. You're going down?\n\nChannel 0: Yep.\n\nChannel 1: I told her. She's on. I said, oh, okay. I said, I've I've got guess what's gonna happen. Because as soon\n\nChannel 0: Yeah.\n\nChannel 1: as it started to go over time, I did. I thought, oh, no. She's got caught.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Sorry\n\nChannel 1: I was gonna\n\nChannel 0: about\n\nChannel 1: say, if\n\nChannel 0: that.\n\nChannel 1: you if you did ring up, I was just gonna say, look. Go home, and we'll talk about it later because you've\n\nChannel 0: Oh,\n\nChannel 1: got a long\n\nChannel 0: you're\n\nChannel 1: way to go.\n\nChannel 0: a gem.\n\nChannel 1: So it's\n\nChannel 0: Yeah. You're a gem, but no. Thank you so much for taking my call today. I hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that\n\nChannel 1: yep.\n\nChannel 0: you do have. Happy to\n\nChannel 1: Yep.\n\nChannel 0: take\n\nChannel 1: You're\n\nChannel 0: a\n\nChannel 1: good,\n\nChannel 0: call\n\nChannel 1: mate.\n\nChannel 0: anytime you need. Okay?\n\nChannel 1: Yeah. Alright. No worries, Dana. Thank you, and you take care.\n\nChannel 0: My pleasure. Thanks so much, Cole. Have a good afternoon.\n\nChannel 1: Okay. Okay. You\n\nChannel 0: See\n\nChannel 1: too.\n\nChannel 0: you later.\n\nChannel 1: See you.\n\nChannel 0: Bye.\n\nChannel 1: Yep.","paragraphs":[{"sentences":[{"text":"Hello, Dana.","start":1.4399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.058650067076087}],"sentiment":"neutral","sentiment_score":0.058650067076087,"channel":1,"num_words":2,"start":1.4399999,"end":2.34},{"sentences":[{"text":"Hi, Colin.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13440953195095062},{"text":"It's Zaina from OQ.","start":3.6799998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.17468832060694695},{"text":"How are you?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.17888253927230835}],"sentiment":"neutral","sentiment_score":0.167135551571846,"channel":0,"num_words":9,"start":3.04,"end":5.7799997},{"sentences":[{"text":"I'm good, mate.","start":5.7599998,"end":6.48,"sentiment":"positive","sentiment_score":0.5711513956387838},{"text":"How are you going?","start":6.48,"end":7.2999997,"sentiment":"positive","sentiment_score":0.4296884685754776}],"sentiment":"positive","sentiment_score":0.49031543731689453,"channel":1,"num_words":7,"start":5.7599998,"end":7.2999997},{"sentences":[{"text":"I'm very well.","start":7.44,"end":8.48,"sentiment":"positive","sentiment_score":0.628866990407308},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6249498724937439},{"text":"How's your day been so far?","start":8.96,"end":10.66,"sentiment":"neutral","sentiment_score":0.24037038534879684}],"sentiment":"positive","sentiment_score":0.41624754802747205,"channel":0,"num_words":11,"start":7.44,"end":10.66},{"sentences":[{"text":"Not bad, mate.","start":11.04,"end":11.84,"sentiment":"neutral","sentiment_score":0.22600814700126648},{"text":"Not bad.","start":11.84,"end":12.465,"sentiment":"neutral","sentiment_score":0.1858997941017151},{"text":"Yeah.","start":12.625,"end":12.945,"sentiment":"neutral","sentiment_score":0.141207754611969},{"text":"Can't","start":12.945,"end":13.1050005,"sentiment":"neutral","sentiment_score":0.05379687994718552}],"sentiment":"neutral","sentiment_score":0.1778326662523406,"channel":1,"num_words":7,"start":11.04,"end":13.1050005},{"sentences":[{"text":"Oh,","start":13.055,"end":13.375,"sentiment":"neutral","sentiment_score":0.04260645434260368}],"sentiment":"neutral","sentiment_score":0.04260645434260368,"channel":0,"num_words":1,"start":13.055,"end":13.375},{"sentences":[{"text":"complain.","start":13.1050005,"end":13.6050005,"sentiment":"neutral","sentiment_score":0.10936430096626282}],"sentiment":"neutral","sentiment_score":0.10936430096626282,"channel":1,"num_words":1,"start":13.1050005,"end":13.6050005},{"sentences":[{"text":"fan fantastic.","start":13.375,"end":14.675,"sentiment":"positive","sentiment_score":0.4640447348356247},{"text":"I had to book in just to go through your updated advice document.","start":15.215,"end":18.815,"sentiment":"neutral","sentiment_score":0.2699126796080516},{"text":"Is Nashville a good time there for you?","start":18.815,"end":20.755001,"sentiment":"neutral","sentiment_score":0.1385477827861905}],"sentiment":"neutral","sentiment_score":0.24110158986371497,"channel":0,"num_words":23,"start":13.375,"end":20.755001},{"sentences":[{"text":"Yeah, mate.","start":20.625,"end":21.105,"sentiment":"neutral","sentiment_score":-0.025245598517358303},{"text":"No.","start":21.105,"end":21.345001,"sentiment":"neutral","sentiment_score":-0.14220541715621948},{"text":"That's far away.","start":21.345001,"end":22.965,"sentiment":"neutral","sentiment_score":-0.19879480202992758}],"sentiment":"neutral","sentiment_score":-0.1315135033801198,"channel":1,"num_words":6,"start":20.625,"end":22.965},{"sentences":[{"text":"Fan fantastic.","start":22.654999,"end":23.875,"sentiment":"neutral","sentiment_score":0.1774732992053032},{"text":"Do you happen to have access to your emails at the moment?","start":24.095001,"end":26.36,"sentiment":"neutral","sentiment_score":0.042068989326556526},{"text":"I know I had","start":26.36,"end":27.0,"sentiment":"neutral","sentiment_score":0.01282635610550642}],"sentiment":"neutral","sentiment_score":0.05061554970840613,"channel":0,"num_words":18,"start":22.654999,"end":27.0},{"sentences":[{"text":"Yep.","start":26.95,"end":27.27,"sentiment":"neutral","sentiment_score":0.019752588123083115}],"sentiment":"neutral","sentiment_score":0.019752588123083115,"channel":1,"num_words":1,"start":26.95,"end":27.27},{"sentences":[{"text":"sent that","start":27.0,"end":27.4,"sentiment":"neutral","sentiment_score":0.029638283886015415}],"sentiment":"neutral","sentiment_score":0.029638283886015415,"channel":0,"num_words":2,"start":27.0,"end":27.4},{"sentences":[{"text":"Yep.","start":27.27,"end":27.51,"sentiment":"neutral","sentiment_score":0.03609585016965866}],"sentiment":"neutral","sentiment_score":0.03609585016965866,"channel":1,"num_words":1,"start":27.27,"end":27.51},{"sentences":[{"text":"one","start":27.4,"end":27.64,"sentiment":"neutral","sentiment_score":0.0621841624379158}],"sentiment":"neutral","sentiment_score":0.0621841624379158,"channel":0,"num_words":1,"start":27.4,"end":27.64},{"sentences":[{"text":"Got","start":27.51,"end":27.67,"sentiment":"neutral","sentiment_score":0.06360241770744324}],"sentiment":"neutral","sentiment_score":0.06360241770744324,"channel":1,"num_words":1,"start":27.51,"end":27.67},{"sentences":[{"text":"through","start":27.64,"end":27.88,"sentiment":"neutral","sentiment_score":0.09105045348405838}],"sentiment":"neutral","sentiment_score":0.09105045348405838,"channel":0,"num_words":1,"start":27.64,"end":27.88},{"sentences":[{"text":"it all","start":27.67,"end":27.99,"sentiment":"neutral","sentiment_score":0.10545233637094498}],"sentiment":"neutral","sentiment_score":0.10545233637094498,"channel":1,"num_words":2,"start":27.67,"end":27.99},{"sentences":[{"text":"already.","start":27.88,"end":28.38,"sentiment":"neutral","sentiment_score":0.08319434523582458}],"sentiment":"neutral","sentiment_score":0.08319434523582458,"channel":0,"num_words":1,"start":27.88,"end":28.38},{"sentences":[{"text":"open, ready to go.","start":27.99,"end":29.029999,"sentiment":"neutral","sentiment_score":0.10496453568339348}],"sentiment":"neutral","sentiment_score":0.10496453568339348,"channel":1,"num_words":4,"start":27.99,"end":29.029999},{"sentences":[{"text":"Got","start":28.84,"end":29.16,"sentiment":"neutral","sentiment_score":0.06847774237394333}],"sentiment":"neutral","sentiment_score":0.06847774237394333,"channel":0,"num_words":1,"start":28.84,"end":29.16},{"sentences":[{"text":"Yep.","start":29.029999,"end":29.529999,"sentiment":"neutral","sentiment_score":0.0826578140258789}],"sentiment":"neutral","sentiment_score":0.0826578140258789,"channel":1,"num_words":1,"start":29.029999,"end":29.529999},{"sentences":[{"text":"it there.","start":29.16,"end":29.74,"sentiment":"neutral","sentiment_score":0.11021755635738373},{"text":"Fantastic.","start":29.8,"end":30.3,"sentiment":"positive","sentiment_score":0.3795749545097351},{"text":"Have you had a chance to have a bit of a look through it?","start":30.6,"end":33.02,"sentiment":"neutral","sentiment_score":0.15453195359025682}],"sentiment":"neutral","sentiment_score":0.16255631867577047,"channel":0,"num_words":17,"start":29.16,"end":33.02},{"sentences":[{"text":"I had to skim through it last night.","start":32.87,"end":36.23,"sentiment":"neutral","sentiment_score":0.012147530913352966},{"text":"Yeah.","start":36.23,"end":36.73,"sentiment":"neutral","sentiment_score":0.03333939611911774},{"text":"And","start":36.79,"end":37.11,"sentiment":"neutral","sentiment_score":0.028185125440359116}],"sentiment":"neutral","sentiment_score":0.01587047688663006,"channel":1,"num_words":10,"start":32.87,"end":37.11},{"sentences":[{"text":"Yep.","start":37.0,"end":37.239998,"sentiment":"neutral","sentiment_score":0.026529749855399132}],"sentiment":"neutral","sentiment_score":0.026529749855399132,"channel":0,"num_words":1,"start":37.0,"end":37.239998},{"sentences":[{"text":"and, you","start":37.11,"end":37.35,"sentiment":"neutral","sentiment_score":0.02574622444808483}],"sentiment":"neutral","sentiment_score":0.02574622444808483,"channel":1,"num_words":2,"start":37.11,"end":37.35},{"sentences":[{"text":"Yep.","start":37.239998,"end":37.739998,"sentiment":"neutral","sentiment_score":0.023293673992156982}],"sentiment":"neutral","sentiment_score":0.023293673992156982,"channel":0,"num_words":1,"start":37.239998,"end":37.739998},{"sentences":[{"text":"know, only a quick one, but I had a look through","start":37.35,"end":39.684998,"sentiment":"neutral","sentiment_score":0.03106330538337881}],"sentiment":"neutral","sentiment_score":0.03106330538337881,"channel":1,"num_words":11,"start":37.35,"end":39.684998},{"sentences":[{"text":"Alright.","start":39.585,"end":40.085,"sentiment":"neutral","sentiment_score":0.060316216200590134}],"sentiment":"neutral","sentiment_score":0.060316216200590134,"channel":0,"num_words":1,"start":39.585,"end":40.085},{"sentences":[{"text":"it, mate.","start":39.684998,"end":40.125,"sentiment":"neutral","sentiment_score":0.0819508545100689},{"text":"And and I think just from what I could see, like, not knowing the ins and outs specifically,","start":40.125,"end":45.105,"sentiment":"neutral","sentiment_score":0.0286398037440247}],"sentiment":"neutral","sentiment_score":0.03397090882062912,"channel":1,"num_words":20,"start":39.684998,"end":45.105},{"sentences":[{"text":"Yeah.","start":45.105,"end":45.605,"sentiment":"neutral","sentiment_score":0.03822952136397362}],"sentiment":"neutral","sentiment_score":0.03822952136397362,"channel":0,"num_words":1,"start":45.105,"end":45.605},{"sentences":[{"text":"but it's it's pretty well what I want.","start":45.245,"end":47.504997,"sentiment":"neutral","sentiment_score":0.10130616696551442}],"sentiment":"neutral","sentiment_score":0.10130616696551442,"channel":1,"num_words":8,"start":45.245,"end":47.504997},{"sentences":[{"text":"Yeah.","start":47.745,"end":48.245,"sentiment":"neutral","sentiment_score":0.06224443763494491},{"text":"Perfect.","start":48.305,"end":48.805,"sentiment":"neutral","sentiment_score":0.06114466115832329}],"sentiment":"neutral","sentiment_score":0.0616945493966341,"channel":0,"num_words":2,"start":47.745,"end":48.805},{"sentences":[{"text":"I don't I","start":49.805,"end":50.445,"sentiment":"neutral","sentiment_score":-0.04033757746219635}],"sentiment":"neutral","sentiment_score":-0.04033757746219635,"channel":1,"num_words":3,"start":49.805,"end":50.445},{"sentences":[{"text":"Perfect.","start":50.32,"end":50.82,"sentiment":"neutral","sentiment_score":-0.06779732555150986}],"sentiment":"neutral","sentiment_score":-0.06779732555150986,"channel":0,"num_words":1,"start":50.32,"end":50.82},{"sentences":[{"text":"don't know.","start":50.445,"end":50.845,"sentiment":"neutral","sentiment_score":-0.05138450115919113},{"text":"Just the way things are going, I don't you know, I just wanna have it nice and easy and and","start":50.845,"end":56.43,"sentiment":"neutral","sentiment_score":0.0557606590911746}],"sentiment":"neutral","sentiment_score":0.04602018997750499,"channel":1,"num_words":22,"start":50.445,"end":56.43},{"sentences":[{"text":"Yeah.","start":56.32,"end":56.82,"sentiment":"neutral","sentiment_score":0.01940361224114895}],"sentiment":"neutral","sentiment_score":0.01940361224114895,"channel":0,"num_words":1,"start":56.32,"end":56.82},{"sentences":[{"text":"whatever and and virtually just try and get as much into my super as I can, really, is what I'm","start":56.43,"end":61.870003,"sentiment":"neutral","sentiment_score":0.03981266538612545}],"sentiment":"neutral","sentiment_score":0.03981266538612545,"channel":1,"num_words":20,"start":56.43,"end":61.870003},{"sentences":[{"text":"Yeah.","start":61.839996,"end":62.339996,"sentiment":"neutral","sentiment_score":0.01080482453107834}],"sentiment":"neutral","sentiment_score":0.01080482453107834,"channel":0,"num_words":1,"start":61.839996,"end":62.339996},{"sentences":[{"text":"trying to to pump","start":61.870003,"end":63.39,"sentiment":"neutral","sentiment_score":0.012119166553020477}],"sentiment":"neutral","sentiment_score":0.012119166553020477,"channel":1,"num_words":4,"start":61.870003,"end":63.39},{"sentences":[{"text":"Absolutely.","start":63.155003,"end":63.655003,"sentiment":"neutral","sentiment_score":0.03947591036558151}],"sentiment":"neutral","sentiment_score":0.03947591036558151,"channel":0,"num_words":1,"start":63.155003,"end":63.655003},{"sentences":[{"text":"in.","start":63.39,"end":63.63,"sentiment":"neutral","sentiment_score":0.030177675187587735},{"text":"So Yeah.","start":63.63,"end":64.54,"sentiment":"neutral","sentiment_score":0.052194368094205856}],"sentiment":"neutral","sentiment_score":0.04485547045866648,"channel":1,"num_words":3,"start":63.39,"end":64.54},{"sentences":[{"text":"Absolutely.","start":64.835,"end":65.335,"sentiment":"neutral","sentiment_score":0.06512271612882614},{"text":"And with I know you were going back to the doctors over the last couple of days.","start":66.275,"end":69.555,"sentiment":"neutral","sentiment_score":0.028788205455331242},{"text":"How did that last appointment go for you?","start":69.555,"end":71.735,"sentiment":"neutral","sentiment_score":0.030398095375858247}],"sentiment":"neutral","sentiment_score":0.030681037379858587,"channel":0,"num_words":26,"start":64.835,"end":71.735},{"sentences":[{"text":"Yeah.","start":71.615,"end":72.015,"sentiment":"neutral","sentiment_score":0.012058465741574764},{"text":"No.","start":72.015,"end":72.255,"sentiment":"neutral","sentiment_score":0.019129203632473946},{"text":"That was good.","start":72.255,"end":72.814995,"sentiment":"neutral","sentiment_score":0.1048148547609647},{"text":"That was yesterday, and I'm back","start":72.814995,"end":74.494995,"sentiment":"neutral","sentiment_score":0.06850081868469715}],"sentiment":"neutral","sentiment_score":0.06878519506955688,"channel":1,"num_words":11,"start":71.615,"end":74.494995},{"sentences":[{"text":"Yep.","start":74.435,"end":74.935,"sentiment":"neutral","sentiment_score":0.09538697451353072}],"sentiment":"neutral","sentiment_score":0.09538697451353072,"channel":0,"num_words":1,"start":74.435,"end":74.935},{"sentences":[{"text":"to full time, back to","start":74.494995,"end":76.415,"sentiment":"neutral","sentiment_score":0.12153642326593399}],"sentiment":"neutral","sentiment_score":0.12153642326593399,"channel":1,"num_words":5,"start":74.494995,"end":76.415},{"sentences":[{"text":"Fantastic.","start":76.28,"end":76.78,"sentiment":"neutral","sentiment_score":0.1912774443626404}],"sentiment":"neutral","sentiment_score":0.1912774443626404,"channel":0,"num_words":1,"start":76.28,"end":76.78},{"sentences":[{"text":"pre injury duty.","start":76.415,"end":77.534996,"sentiment":"neutral","sentiment_score":0.05964092786113421},{"text":"So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay.","start":77.534996,"end":86.56,"sentiment":"neutral","sentiment_score":0.04760064079385737},{"text":"So","start":86.56,"end":86.88,"sentiment":"neutral","sentiment_score":0.19195984303951263}],"sentiment":"neutral","sentiment_score":0.05428508758820869,"channel":1,"num_words":27,"start":76.415,"end":86.88},{"sentences":[{"text":"Fantastic.","start":87.975,"end":88.475,"sentiment":"positive","sentiment_score":0.3404198884963989}],"sentiment":"positive","sentiment_score":0.3404198884963989,"channel":0,"num_words":1,"start":87.975,"end":88.475},{"sentences":[{"text":"Yep.","start":89.04,"end":89.54,"sentiment":"neutral","sentiment_score":0.15534590184688568}],"sentiment":"neutral","sentiment_score":0.15534590184688568,"channel":1,"num_words":1,"start":89.04,"end":89.54},{"sentences":[{"text":"Back to full pay.","start":90.215,"end":91.255,"sentiment":"neutral","sentiment_score":0.1958266757428646},{"text":"Excellent.","start":91.255,"end":91.755,"sentiment":"positive","sentiment_score":0.435687780380249},{"text":"Fantastic.","start":91.895,"end":92.395,"sentiment":"positive","sentiment_score":0.4191528558731079},{"text":"Well, good to hear that's what you've been aiming","start":92.615,"end":94.695,"sentiment":"neutral","sentiment_score":0.27653947803709245}],"sentiment":"neutral","sentiment_score":0.27513350943724313,"channel":0,"num_words":15,"start":90.215,"end":94.695},{"sentences":[{"text":"Oh,","start":94.475,"end":94.715,"sentiment":"neutral","sentiment_score":0.1347951591014862}],"sentiment":"neutral","sentiment_score":0.1347951591014862,"channel":1,"num_words":1,"start":94.475,"end":94.715},{"sentences":[{"text":"for.","start":94.695,"end":94.935,"sentiment":"neutral","sentiment_score":0.11572632193565369}],"sentiment":"neutral","sentiment_score":0.11572632193565369,"channel":0,"num_words":1,"start":94.695,"end":94.935},{"sentences":[{"text":"you reckon?","start":94.715,"end":95.375,"sentiment":"neutral","sentiment_score":0.08373387716710567}],"sentiment":"neutral","sentiment_score":0.08373387716710567,"channel":1,"num_words":2,"start":94.715,"end":95.375},{"sentences":[{"text":"It's good to you're back early than you thought till you thought it would take a few more months.","start":94.935,"end":98.935,"sentiment":"neutral","sentiment_score":0.2730016269181904},{"text":"That's really good.","start":98.935,"end":99.915,"sentiment":"positive","sentiment_score":0.4510371486345927},{"text":"Yeah.","start":100.135,"end":100.635,"sentiment":"neutral","sentiment_score":0.09170565009117126}],"sentiment":"neutral","sentiment_score":0.28834121771480725,"channel":0,"num_words":23,"start":94.935,"end":100.635},{"sentences":[{"text":"Oh, well, yeah.","start":100.475,"end":101.19499,"sentiment":"neutral","sentiment_score":0.02445223554968834},{"text":"It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but,","start":101.19499,"end":107.615,"sentiment":"neutral","sentiment_score":-0.0509743367244179}],"sentiment":"neutral","sentiment_score":-0.04259360647173943,"channel":1,"num_words":27,"start":100.475,"end":107.615},{"sentences":[{"text":"Yeah.","start":107.72,"end":108.22,"sentiment":"neutral","sentiment_score":-0.06588572263717651}],"sentiment":"neutral","sentiment_score":-0.06588572263717651,"channel":0,"num_words":1,"start":107.72,"end":108.22},{"sentences":[{"text":"you know, what I said to the doctor, I said, no.","start":107.87,"end":109.63,"sentiment":"neutral","sentiment_score":-0.16771778938445178},{"text":"I don't want that.","start":109.63,"end":110.19,"sentiment":"negative","sentiment_score":-0.3513365164399147},{"text":"I wanna just get back as soon as I can because everything's working","start":110.19,"end":112.67,"sentiment":"neutral","sentiment_score":-0.06555251605235614}],"sentiment":"neutral","sentiment_score":-0.14651515920247352,"channel":1,"num_words":28,"start":107.87,"end":112.67},{"sentences":[{"text":"Yeah.","start":112.52,"end":113.02,"sentiment":"neutral","sentiment_score":0.04836598411202431}],"sentiment":"neutral","sentiment_score":0.04836598411202431,"channel":0,"num_words":1,"start":112.52,"end":113.02},{"sentences":[{"text":"okay where","start":112.67,"end":113.15,"sentiment":"neutral","sentiment_score":0.06583156064152718}],"sentiment":"neutral","sentiment_score":0.06583156064152718,"channel":1,"num_words":2,"start":112.67,"end":113.15},{"sentences":[{"text":"Of","start":113.08,"end":113.32,"sentiment":"neutral","sentiment_score":0.09424301981925964}],"sentiment":"neutral","sentiment_score":0.09424301981925964,"channel":0,"num_words":1,"start":113.08,"end":113.32},{"sentences":[{"text":"everything's","start":113.15,"end":113.63,"sentiment":"neutral","sentiment_score":0.2008851021528244}],"sentiment":"neutral","sentiment_score":0.2008851021528244,"channel":1,"num_words":1,"start":113.15,"end":113.63},{"sentences":[{"text":"course.","start":113.32,"end":113.82,"sentiment":"neutral","sentiment_score":0.27847421169281006}],"sentiment":"neutral","sentiment_score":0.27847421169281006,"channel":0,"num_words":1,"start":113.32,"end":113.82},{"sentences":[{"text":"good.","start":113.63,"end":114.13,"sentiment":"positive","sentiment_score":0.3604690432548523},{"text":"And,","start":114.590004,"end":115.090004,"sentiment":"neutral","sentiment_score":0.15423151850700378}],"sentiment":"neutral","sentiment_score":0.25735028088092804,"channel":1,"num_words":2,"start":113.63,"end":115.090004},{"sentences":[{"text":"Yeah.","start":114.604996,"end":115.104996,"sentiment":"neutral","sentiment_score":0.228591650724411}],"sentiment":"neutral","sentiment_score":0.228591650724411,"channel":0,"num_words":1,"start":114.604996,"end":115.104996},{"sentences":[{"text":"you know, it's alright for them to do that because they're not losing money.","start":115.15,"end":118.35,"sentiment":"neutral","sentiment_score":0.19544986954757146},{"text":"So","start":118.35,"end":118.85,"sentiment":"neutral","sentiment_score":0.05701226741075516}],"sentiment":"neutral","sentiment_score":0.1862206960717837,"channel":1,"num_words":15,"start":115.15,"end":118.85},{"sentences":[{"text":"Yes.","start":118.845,"end":119.345,"sentiment":"neutral","sentiment_score":0.09403738379478456}],"sentiment":"neutral","sentiment_score":0.09403738379478456,"channel":0,"num_words":1,"start":118.845,"end":119.345},{"sentences":[{"text":"they don't","start":119.07,"end":119.630005,"sentiment":"neutral","sentiment_score":0.024636000394821167}],"sentiment":"neutral","sentiment_score":0.024636000394821167,"channel":1,"num_words":2,"start":119.07,"end":119.630005},{"sentences":[{"text":"Absolutely.","start":119.485,"end":119.985,"sentiment":"neutral","sentiment_score":0.06733672320842743}],"sentiment":"neutral","sentiment_score":0.06733672320842743,"channel":0,"num_words":1,"start":119.485,"end":119.985},{"sentences":[{"text":"they don't particularly worry about that side of it.","start":119.630005,"end":121.630005,"sentiment":"neutral","sentiment_score":-0.01986022065911028},{"text":"But","start":121.630005,"end":121.845,"sentiment":"neutral","sentiment_score":0.06233903765678406}],"sentiment":"neutral","sentiment_score":-0.011640294827520848,"channel":1,"num_words":10,"start":119.630005,"end":121.845},{"sentences":[{"text":"Yeah.","start":122.604996,"end":123.104996,"sentiment":"neutral","sentiment_score":0.06908469647169113}],"sentiment":"neutral","sentiment_score":0.06908469647169113,"channel":0,"num_words":1,"start":122.604996,"end":123.104996},{"sentences":[{"text":"anyway,","start":122.805,"end":123.285,"sentiment":"neutral","sentiment_score":0.093613900244236}],"sentiment":"neutral","sentiment_score":0.093613900244236,"channel":1,"num_words":1,"start":122.805,"end":123.285},{"sentences":[{"text":"No.","start":123.165,"end":123.665,"sentiment":"neutral","sentiment_score":0.11783640831708908}],"sentiment":"neutral","sentiment_score":0.11783640831708908,"channel":0,"num_words":1,"start":123.165,"end":123.665},{"sentences":[{"text":"that's all good.","start":123.285,"end":124.185,"sentiment":"neutral","sentiment_score":0.30446332693099976}],"sentiment":"neutral","sentiment_score":0.30446332693099976,"channel":1,"num_words":3,"start":123.285,"end":124.185},{"sentences":[{"text":"Absolutely.","start":123.725,"end":124.225,"sentiment":"positive","sentiment_score":0.4854026436805725},{"text":"All good.","start":124.765,"end":125.325,"sentiment":"positive","sentiment_score":0.5425275266170502},{"text":"All good.","start":125.325,"end":125.725,"sentiment":"positive","sentiment_score":0.4728795439004898},{"text":"Well, let's run through this one for you.","start":125.725,"end":127.825,"sentiment":"neutral","sentiment_score":0.13712376728653908}],"sentiment":"neutral","sentiment_score":0.27793899407753575,"channel":0,"num_words":13,"start":123.725,"end":127.825},{"sentences":[{"text":"Yep.","start":127.845,"end":128.345,"sentiment":"neutral","sentiment_score":0.06075865775346756}],"sentiment":"neutral","sentiment_score":0.06075865775346756,"channel":1,"num_words":1,"start":127.845,"end":128.345},{"sentences":[{"text":"On the front of the document there, you will see it has been prepared for yourself, Colin Andrews,","start":128.39,"end":132.49,"sentiment":"neutral","sentiment_score":0.04600930545065138}],"sentiment":"neutral","sentiment_score":0.04600930545065138,"channel":0,"num_words":18,"start":128.39,"end":132.49},{"sentences":[{"text":"This is","start":132.085,"end":132.565,"sentiment":"neutral","sentiment_score":0.012588860001415014}],"sentiment":"neutral","sentiment_score":0.012588860001415014,"channel":1,"num_words":2,"start":132.085,"end":132.565},{"sentences":[{"text":"as","start":132.55,"end":132.79001,"sentiment":"neutral","sentiment_score":0.014945346862077711}],"sentiment":"neutral","sentiment_score":0.014945346862077711,"channel":0,"num_words":1,"start":132.55,"end":132.79001},{"sentences":[{"text":"this is","start":132.565,"end":132.885,"sentiment":"neutral","sentiment_score":0.013429813086986542}],"sentiment":"neutral","sentiment_score":0.013429813086986542,"channel":1,"num_words":2,"start":132.565,"end":132.885},{"sentences":[{"text":"of","start":132.79001,"end":132.95,"sentiment":"neutral","sentiment_score":0.009431803598999975}],"sentiment":"neutral","sentiment_score":0.009431803598999975,"channel":0,"num_words":1,"start":132.79001,"end":132.95},{"sentences":[{"text":"the","start":132.885,"end":133.045,"sentiment":"neutral","sentiment_score":0.007780512794852257}],"sentiment":"neutral","sentiment_score":0.007780512794852257,"channel":1,"num_words":1,"start":132.885,"end":133.045},{"sentences":[{"text":"the","start":132.95,"end":133.11,"sentiment":"neutral","sentiment_score":0.0094682015478611}],"sentiment":"neutral","sentiment_score":0.0094682015478611,"channel":0,"num_words":1,"start":132.95,"end":133.11},{"sentences":[{"text":"statement","start":133.045,"end":133.445,"sentiment":"neutral","sentiment_score":0.024688350036740303}],"sentiment":"neutral","sentiment_score":0.024688350036740303,"channel":1,"num_words":1,"start":133.045,"end":133.445},{"sentences":[{"text":"twenty fifth","start":133.11,"end":133.75,"sentiment":"neutral","sentiment_score":0.0269975857809186}],"sentiment":"neutral","sentiment_score":0.0269975857809186,"channel":0,"num_words":2,"start":133.11,"end":133.75},{"sentences":[{"text":"of advice.","start":133.445,"end":134.185,"sentiment":"neutral","sentiment_score":0.018056896049529314}],"sentiment":"neutral","sentiment_score":0.018056896049529314,"channel":1,"num_words":2,"start":133.445,"end":134.185},{"sentences":[{"text":"of May.","start":133.75,"end":134.33,"sentiment":"neutral","sentiment_score":0.011547065805643797},{"text":"That's the one.","start":134.71,"end":135.59,"sentiment":"neutral","sentiment_score":0.025200593595703442},{"text":"Yeah.","start":135.59,"end":135.91,"sentiment":"neutral","sentiment_score":0.08338522911071777},{"text":"Definitely.","start":135.91,"end":136.41,"sentiment":"neutral","sentiment_score":0.09515240043401718}],"sentiment":"neutral","sentiment_score":0.03960479170616184,"channel":0,"num_words":7,"start":133.75,"end":136.41},{"sentences":[{"text":"Yep.","start":135.925,"end":136.425,"sentiment":"neutral","sentiment_score":0.05220358073711395},{"text":"Okay.","start":136.485,"end":136.885,"sentiment":"neutral","sentiment_score":0.03737993910908699},{"text":"Hang on.","start":136.885,"end":137.43,"sentiment":"neutral","sentiment_score":0.019551459699869156}],"sentiment":"neutral","sentiment_score":0.032171609811484814,"channel":1,"num_words":4,"start":135.925,"end":137.43},{"sentences":[{"text":"Attach you alright?","start":137.51,"end":138.89,"sentiment":"neutral","sentiment_score":0.018749899851779144}],"sentiment":"neutral","sentiment_score":0.018749899851779144,"channel":0,"num_words":3,"start":137.51,"end":138.89},{"sentences":[{"text":"Yep.","start":139.18999,"end":139.51,"sentiment":"neutral","sentiment_score":0.02302003651857376},{"text":"Got him.","start":139.51,"end":139.90999,"sentiment":"neutral","sentiment_score":0.017455127090215683},{"text":"Yeah.","start":139.90999,"end":140.15,"sentiment":"neutral","sentiment_score":-0.003971640951931477}],"sentiment":"neutral","sentiment_score":0.013489662436768413,"channel":1,"num_words":4,"start":139.18999,"end":140.15},{"sentences":[{"text":"Sorry","start":139.91,"end":140.23,"sentiment":"neutral","sentiment_score":-0.06696446239948273}],"sentiment":"neutral","sentiment_score":-0.06696446239948273,"channel":0,"num_words":1,"start":139.91,"end":140.23},{"sentences":[{"text":"Got","start":140.15,"end":140.39,"sentiment":"neutral","sentiment_score":-0.0860983356833458}],"sentiment":"neutral","sentiment_score":-0.0860983356833458,"channel":1,"num_words":1,"start":140.15,"end":140.39},{"sentences":[{"text":"if I","start":140.23,"end":140.47,"sentiment":"neutral","sentiment_score":-0.10621464252471924}],"sentiment":"neutral","sentiment_score":-0.10621464252471924,"channel":0,"num_words":2,"start":140.23,"end":140.47},{"sentences":[{"text":"him","start":140.39,"end":140.54999,"sentiment":"neutral","sentiment_score":-0.12145790457725524}],"sentiment":"neutral","sentiment_score":-0.12145790457725524,"channel":1,"num_words":1,"start":140.39,"end":140.54999},{"sentences":[{"text":"got","start":140.47,"end":140.63,"sentiment":"neutral","sentiment_score":-0.12331625819206238}],"sentiment":"neutral","sentiment_score":-0.12331625819206238,"channel":0,"num_words":1,"start":140.47,"end":140.63},{"sentences":[{"text":"now.","start":140.54999,"end":141.04999,"sentiment":"neutral","sentiment_score":-0.11863557994365692}],"sentiment":"neutral","sentiment_score":-0.11863557994365692,"channel":1,"num_words":1,"start":140.54999,"end":141.04999},{"sentences":[{"text":"a bit too fast for you.","start":140.63,"end":142.01,"sentiment":"neutral","sentiment_score":-0.2603754997253418}],"sentiment":"neutral","sentiment_score":-0.2603754997253418,"channel":0,"num_words":6,"start":140.63,"end":142.01},{"sentences":[{"text":"Well, I had everything lined up, but I didn't know which one you're gonna look at first.","start":143.43,"end":146.70999,"sentiment":"neutral","sentiment_score":-0.07081383379066691},{"text":"So","start":146.70999,"end":147.20999,"sentiment":"neutral","sentiment_score":-0.0619451105594635}],"sentiment":"neutral","sentiment_score":-0.07032112694448894,"channel":1,"num_words":18,"start":143.43,"end":147.20999},{"sentences":[{"text":"No.","start":147.125,"end":147.445,"sentiment":"neutral","sentiment_score":-0.08270309120416641},{"text":"That's okay.","start":147.445,"end":148.32501,"sentiment":"neutral","sentiment_score":-0.014211257919669151},{"text":"Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide.","start":148.32501,"end":161.65,"sentiment":"neutral","sentiment_score":0.06211489043198526},{"text":"So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment.","start":161.65,"end":167.35,"sentiment":"neutral","sentiment_score":0.10730295007427533}],"sentiment":"neutral","sentiment_score":0.07517873624592651,"channel":0,"num_words":81,"start":147.125,"end":167.35},{"sentences":[{"text":"Yep.","start":167.805,"end":168.305,"sentiment":"neutral","sentiment_score":0.08256169408559799}],"sentiment":"neutral","sentiment_score":0.08256169408559799,"channel":1,"num_words":1,"start":167.805,"end":168.305},{"sentences":[{"text":"On the front of the very bottom, it does have my license number registered for you.","start":168.21,"end":172.05,"sentiment":"neutral","sentiment_score":0.09639141894876957},{"text":"It's 1304394.","start":172.05,"end":174.37,"sentiment":"neutral","sentiment_score":0.06209230236709118},{"text":"I'm an authorized representative registered with Assic.","start":174.37,"end":176.97499,"sentiment":"neutral","sentiment_score":0.07588308943169457},{"text":"To make this a bit easier, we're sort of scoping in areas of superannuation.","start":178.39499,"end":181.69499,"sentiment":"neutral","sentiment_score":0.08020344243517943},{"text":"We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope.","start":182.39499,"end":192.25,"sentiment":"neutral","sentiment_score":0.05540032089791364}],"sentiment":"neutral","sentiment_score":0.07086518240471681,"channel":0,"num_words":75,"start":168.21,"end":192.25},{"sentences":[{"text":"So we're looking towards your retirement goals down the track here.","start":192.25,"end":195.47,"sentiment":"neutral","sentiment_score":0.06610384481874379},{"text":"So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll","start":195.69,"end":202.78499,"sentiment":"neutral","sentiment_score":0.05117018108900923}],"sentiment":"neutral","sentiment_score":0.05560991895460599,"channel":0,"num_words":37,"start":192.25,"end":202.78499},{"sentences":[{"text":"Yep.","start":202.73001,"end":203.23001,"sentiment":"neutral","sentiment_score":0.07656097412109375}],"sentiment":"neutral","sentiment_score":0.07656097412109375,"channel":1,"num_words":1,"start":202.73001,"end":203.23001},{"sentences":[{"text":"keep updating and changing it to reflect the changes in your circumstances as you get closer to it.","start":202.78499,"end":208.325,"sentiment":"neutral","sentiment_score":0.08862556496428119}],"sentiment":"neutral","sentiment_score":0.08862556496428119,"channel":0,"num_words":18,"start":202.78499,"end":208.325},{"sentences":[{"text":"Yep.","start":208.49,"end":208.875,"sentiment":"neutral","sentiment_score":0.013465799391269684}],"sentiment":"neutral","sentiment_score":0.013465799391269684,"channel":1,"num_words":1,"start":208.49,"end":208.875},{"sentences":[{"text":"Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings.","start":209.025,"end":213.98499,"sentiment":"neutral","sentiment_score":-0.06430022212627687},{"text":"We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney.","start":213.98499,"end":220.42,"sentiment":"neutral","sentiment_score":-0.08920826957277629},{"text":"You were really happy with how they are structured, so","start":220.42,"end":223.14,"sentiment":"neutral","sentiment_score":0.30677372217178345}],"sentiment":"neutral","sentiment_score":-0.0039568692087554,"channel":0,"num_words":52,"start":209.025,"end":223.14},{"sentences":[{"text":"Yep.","start":223.06999,"end":223.56999,"sentiment":"neutral","sentiment_score":0.059353917837142944}],"sentiment":"neutral","sentiment_score":0.059353917837142944,"channel":1,"num_words":1,"start":223.06999,"end":223.56999},{"sentences":[{"text":"we're not looking to make any alterations to that side of the estate planning side of things for you.","start":223.14,"end":227.86,"sentiment":"neutral","sentiment_score":-0.030056826378169813},{"text":"Okay?","start":227.86,"end":228.36,"sentiment":"neutral","sentiment_score":0.0241681020706892}],"sentiment":"neutral","sentiment_score":-0.02734557995572686,"channel":0,"num_words":20,"start":223.14,"end":228.36},{"sentences":[{"text":"Yep.","start":229.62999,"end":230.11,"sentiment":"neutral","sentiment_score":0.07566222548484802},{"text":"Yep.","start":230.11,"end":230.43,"sentiment":"neutral","sentiment_score":0.19581656157970428}],"sentiment":"neutral","sentiment_score":0.13573939353227615,"channel":1,"num_words":2,"start":229.62999,"end":230.43},{"sentences":[{"text":"Perfect.","start":230.355,"end":230.855,"sentiment":"positive","sentiment_score":0.7056374549865723}],"sentiment":"positive","sentiment_score":0.7056374549865723,"channel":0,"num_words":1,"start":230.355,"end":230.855},{"sentences":[{"text":"That's cool.","start":230.43,"end":231.25,"sentiment":"positive","sentiment_score":0.720782995223999}],"sentiment":"positive","sentiment_score":0.720782995223999,"channel":1,"num_words":2,"start":230.43,"end":231.25},{"sentences":[{"text":"Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the","start":230.915,"end":236.835,"sentiment":"neutral","sentiment_score":0.26738887222913593}],"sentiment":"neutral","sentiment_score":0.26738887222913593,"channel":0,"num_words":26,"start":230.915,"end":236.835},{"sentences":[{"text":"Yep.","start":236.75,"end":237.25,"sentiment":"neutral","sentiment_score":0.1452540010213852}],"sentiment":"neutral","sentiment_score":0.1452540010213852,"channel":1,"num_words":1,"start":236.75,"end":237.25},{"sentences":[{"text":"areas that I need to, and then I'll let you go back and have a really good review of things if you like.","start":236.835,"end":241.415,"sentiment":"neutral","sentiment_score":0.2752431197010953}],"sentiment":"neutral","sentiment_score":0.2752431197010953,"channel":0,"num_words":23,"start":236.835,"end":241.415},{"sentences":[{"text":"Yes.","start":241.175,"end":241.655,"sentiment":"neutral","sentiment_score":0.1368350237607956},{"text":"Yes.","start":241.655,"end":241.975,"sentiment":"neutral","sentiment_score":0.12217700481414796},{"text":"That's","start":241.975,"end":242.13501,"sentiment":"neutral","sentiment_score":0.12950095534324646}],"sentiment":"neutral","sentiment_score":0.12950432797273,"channel":1,"num_words":3,"start":241.175,"end":242.13501},{"sentences":[{"text":"To","start":242.035,"end":242.195,"sentiment":"neutral","sentiment_score":0.12067832052707672}],"sentiment":"neutral","sentiment_score":0.12067832052707672,"channel":0,"num_words":1,"start":242.035,"end":242.195},{"sentences":[{"text":"no","start":242.13501,"end":242.375,"sentiment":"neutral","sentiment_score":0.14806784689426422}],"sentiment":"neutral","sentiment_score":0.14806784689426422,"channel":1,"num_words":1,"start":242.13501,"end":242.375},{"sentences":[{"text":"make","start":242.195,"end":242.435,"sentiment":"neutral","sentiment_score":0.12967267632484436}],"sentiment":"neutral","sentiment_score":0.12967267632484436,"channel":0,"num_words":1,"start":242.195,"end":242.435},{"sentences":[{"text":"worries.","start":242.375,"end":242.875,"sentiment":"neutral","sentiment_score":0.19844339787960052}],"sentiment":"neutral","sentiment_score":0.19844339787960052,"channel":1,"num_words":1,"start":242.375,"end":242.875},{"sentences":[{"text":"it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and","start":242.435,"end":249.94,"sentiment":"neutral","sentiment_score":0.1674360603094101}],"sentiment":"neutral","sentiment_score":0.1674360603094101,"channel":0,"num_words":25,"start":242.435,"end":249.94},{"sentences":[{"text":"Yep.","start":249.81,"end":250.31,"sentiment":"neutral","sentiment_score":0.17206546664237976}],"sentiment":"neutral","sentiment_score":0.17206546664237976,"channel":1,"num_words":1,"start":249.81,"end":250.31},{"sentences":[{"text":"I'll just sort of run you through the recommendations as we are going through.","start":249.94,"end":253.23999,"sentiment":"neutral","sentiment_score":0.13794896272676332},{"text":"Okay?","start":253.3,"end":253.8,"sentiment":"neutral","sentiment_score":0.07927227020263672}],"sentiment":"neutral","sentiment_score":0.13403718322515487,"channel":0,"num_words":15,"start":249.94,"end":253.8},{"sentences":[{"text":"No worries.","start":253.97,"end":254.63,"sentiment":"neutral","sentiment_score":0.10781802609562874},{"text":"Octolio is","start":254.77,"end":255.65,"sentiment":"neutral","sentiment_score":0.2585475593805313}],"sentiment":"neutral","sentiment_score":0.18318279273808002,"channel":1,"num_words":4,"start":253.97,"end":255.65},{"sentences":[{"text":"Perfect.","start":255.54,"end":256.03998,"sentiment":"positive","sentiment_score":0.4057818055152893}],"sentiment":"positive","sentiment_score":0.4057818055152893,"channel":0,"num_words":1,"start":255.54,"end":256.03998},{"sentences":[{"text":"fine.","start":255.65,"end":256.15,"sentiment":"neutral","sentiment_score":0.3059840798377991}],"sentiment":"neutral","sentiment_score":0.3059840798377991,"channel":1,"num_words":1,"start":255.65,"end":256.15},{"sentences":[{"text":"You're right.","start":257.94498,"end":258.685,"sentiment":"neutral","sentiment_score":0.2391607165336609}],"sentiment":"neutral","sentiment_score":0.2391607165336609,"channel":0,"num_words":2,"start":257.94498,"end":258.685},{"sentences":[{"text":"Okay.","start":259.65,"end":260.15,"sentiment":"neutral","sentiment_score":0.06110977381467819},{"text":"Page nine nine.","start":260.21,"end":261.01,"sentiment":"neutral","sentiment_score":0.04063733418782552},{"text":"Yep.","start":261.01,"end":261.465,"sentiment":"neutral","sentiment_score":0.07942836731672287}],"sentiment":"neutral","sentiment_score":0.05249002873897553,"channel":1,"num_words":5,"start":259.65,"end":261.465},{"sentences":[{"text":"That's the one?","start":261.705,"end":262.50497,"sentiment":"neutral","sentiment_score":0.14448836942513785},{"text":"Perfect.","start":262.50497,"end":263.00497,"sentiment":"positive","sentiment_score":0.3838490843772888},{"text":"So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you.","start":263.22498,"end":269.91,"sentiment":"neutral","sentiment_score":0.1534269837581593},{"text":"So at the moment, one of the things we did sort of talk about was reducing your risk level.","start":270.39,"end":274.39,"sentiment":"neutral","sentiment_score":0.09639978957803626},{"text":"At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments.","start":274.39,"end":281.05,"sentiment":"neutral","sentiment_score":0.07290201520790225}],"sentiment":"neutral","sentiment_score":0.11383300247615662,"channel":0,"num_words":69,"start":261.705,"end":281.05},{"sentences":[{"text":"And we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment.","start":281.67,"end":292.505,"sentiment":"neutral","sentiment_score":0.11261456683278084},{"text":"So we're starting to step down and","start":292.565,"end":294.885,"sentiment":"neutral","sentiment_score":0.11758724706513542}],"sentiment":"neutral","sentiment_score":0.11328396609482858,"channel":0,"num_words":52,"start":281.67,"end":294.885},{"sentences":[{"text":"Yep.","start":294.755,"end":295.255,"sentiment":"neutral","sentiment_score":0.14809677004814148}],"sentiment":"neutral","sentiment_score":0.14809677004814148,"channel":1,"num_words":1,"start":294.755,"end":295.255},{"sentences":[{"text":"reduce that risk level gradually for you.","start":294.885,"end":297.305,"sentiment":"neutral","sentiment_score":0.08881316866193499},{"text":"We are looking to make a bit of an switch with the investments there.","start":297.95,"end":300.83002,"sentiment":"neutral","sentiment_score":0.16275604282106673},{"text":"So you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying.","start":300.83002,"end":305.25,"sentiment":"neutral","sentiment_score":0.11136512830853462},{"text":"So, essentially,","start":305.39,"end":306.11002,"sentiment":"neutral","sentiment_score":0.08561835438013077}],"sentiment":"neutral","sentiment_score":0.12270102914836671,"channel":0,"num_words":45,"start":294.885,"end":306.11002},{"sentences":[{"text":"Yep.","start":305.795,"end":306.24,"sentiment":"neutral","sentiment_score":0.0936332494020462}],"sentiment":"neutral","sentiment_score":0.0936332494020462,"channel":1,"num_words":1,"start":305.795,"end":306.24},{"sentences":[{"text":"we'll be selling off some of the Aveda shares cybersecurity.","start":306.11002,"end":309.81003,"sentiment":"neutral","sentiment_score":0.07442122735083104},{"text":"We still wanna","start":310.11002,"end":310.75,"sentiment":"neutral","sentiment_score":0.11198993275562923}],"sentiment":"neutral","sentiment_score":0.08309092859809215,"channel":0,"num_words":13,"start":306.11002,"end":310.75},{"sentences":[{"text":"Yep.","start":310.72,"end":311.22,"sentiment":"neutral","sentiment_score":0.0630313828587532}],"sentiment":"neutral","sentiment_score":0.0630313828587532,"channel":1,"num_words":1,"start":310.72,"end":311.22},{"sentences":[{"text":"hold about 4% of your total portfolio.","start":310.75,"end":312.85,"sentiment":"neutral","sentiment_score":0.0669010297528335}],"sentiment":"neutral","sentiment_score":0.0669010297528335,"channel":0,"num_words":7,"start":310.75,"end":312.85},{"sentences":[{"text":"Yep.","start":313.59998,"end":314.09998,"sentiment":"neutral","sentiment_score":0.11410582065582275}],"sentiment":"neutral","sentiment_score":0.11410582065582275,"channel":1,"num_words":1,"start":313.59998,"end":314.09998},{"sentences":[{"text":"We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio.","start":313.815,"end":319.115,"sentiment":"neutral","sentiment_score":0.03648425079882145}],"sentiment":"neutral","sentiment_score":0.03648425079882145,"channel":0,"num_words":18,"start":313.815,"end":319.115},{"sentences":[{"text":"Uh-huh.","start":319.155,"end":319.655,"sentiment":"neutral","sentiment_score":0.007998470216989517}],"sentiment":"neutral","sentiment_score":0.007998470216989517,"channel":1,"num_words":1,"start":319.155,"end":319.655},{"sentences":[{"text":"With the health care side of things, we'll sell that completely down as well.","start":319.895,"end":323.755,"sentiment":"neutral","sentiment_score":-0.14094414455550058},{"text":"We are gonna retain the S and P 500, so buying a bit more of that in there.","start":324.055,"end":328.77,"sentiment":"neutral","sentiment_score":0.11486794261468782},{"text":"I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested.","start":328.84998,"end":335.97,"sentiment":"neutral","sentiment_score":0.09920792430639266},{"text":"So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well.","start":335.97,"end":343.03,"sentiment":"neutral","sentiment_score":0.18227576404809953},{"text":"So we do wanna hold about 25% there.","start":343.795,"end":346.615,"sentiment":"neutral","sentiment_score":0.15213234815746546}],"sentiment":"neutral","sentiment_score":0.09310100588359331,"channel":0,"num_words":95,"start":319.895,"end":346.615},{"sentences":[{"text":"Yep.","start":346.74,"end":347.24,"sentiment":"neutral","sentiment_score":0.14719660580158234}],"sentiment":"neutral","sentiment_score":0.14719660580158234,"channel":1,"num_words":1,"start":346.74,"end":347.24},{"sentences":[{"text":"One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index.","start":346.915,"end":352.915,"sentiment":"neutral","sentiment_score":0.15652038782835007},{"text":"So you're tracking the top 500 companies in The US.","start":352.915,"end":355.975,"sentiment":"neutral","sentiment_score":0.08177895471453667},{"text":"To be in that index, these companies actually have to meet a certain criteria.","start":356.72,"end":360.82,"sentiment":"neutral","sentiment_score":0.03792290735457625},{"text":"So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index.","start":361.28003,"end":367.68002,"sentiment":"neutral","sentiment_score":-0.12085504355755719}],"sentiment":"neutral","sentiment_score":0.036660689965520105,"channel":0,"num_words":71,"start":346.915,"end":367.68002},{"sentences":[{"text":"Okay.","start":367.48,"end":367.96002,"sentiment":"neutral","sentiment_score":-0.0004170201718807221}],"sentiment":"neutral","sentiment_score":-0.0004170201718807221,"channel":1,"num_words":1,"start":367.48,"end":367.96002},{"sentences":[{"text":"So","start":367.68002,"end":368.18002,"sentiment":"neutral","sentiment_score":-0.01740511879324913}],"sentiment":"neutral","sentiment_score":-0.01740511879324913,"channel":0,"num_words":1,"start":367.68002,"end":368.18002},{"sentences":[{"text":"Got it.","start":367.96002,"end":368.28,"sentiment":"neutral","sentiment_score":-0.0035849977284669876},{"text":"So, yeah,","start":368.28,"end":368.84003,"sentiment":"neutral","sentiment_score":-0.04663294553756714}],"sentiment":"neutral","sentiment_score":-0.025108971633017063,"channel":1,"num_words":4,"start":367.96002,"end":368.84003},{"sentences":[{"text":"yeah.","start":368.72,"end":369.22,"sentiment":"neutral","sentiment_score":-0.054775115102529526}],"sentiment":"neutral","sentiment_score":-0.054775115102529526,"channel":0,"num_words":1,"start":368.72,"end":369.22},{"sentences":[{"text":"they if they don't perform, they're they're","start":368.84003,"end":371.0,"sentiment":"neutral","sentiment_score":-0.2005479633808136}],"sentiment":"neutral","sentiment_score":-0.2005479633808136,"channel":1,"num_words":7,"start":368.84003,"end":371.0},{"sentences":[{"text":"Yep.","start":370.775,"end":371.275,"sentiment":"neutral","sentiment_score":-0.2439396232366562}],"sentiment":"neutral","sentiment_score":-0.2439396232366562,"channel":0,"num_words":1,"start":370.775,"end":371.275},{"sentences":[{"text":"kicked out.","start":371.0,"end":371.82,"sentiment":"neutral","sentiment_score":-0.2813923954963684}],"sentiment":"neutral","sentiment_score":-0.2813923954963684,"channel":1,"num_words":2,"start":371.0,"end":371.82},{"sentences":[{"text":"Absolutely.","start":372.375,"end":372.875,"sentiment":"neutral","sentiment_score":0.1543239802122116},{"text":"Yeah.","start":373.25497,"end":373.57498,"sentiment":"neutral","sentiment_score":0.1106523871421814},{"text":"So you are always tracking the top 500 companies, which","start":373.57498,"end":376.375,"sentiment":"neutral","sentiment_score":0.17939752116799354}],"sentiment":"neutral","sentiment_score":0.1715792982528607,"channel":0,"num_words":12,"start":372.375,"end":376.375},{"sentences":[{"text":"Yep.","start":376.28,"end":376.78,"sentiment":"positive","sentiment_score":0.35040804743766785}],"sentiment":"positive","sentiment_score":0.35040804743766785,"channel":1,"num_words":1,"start":376.28,"end":376.78},{"sentences":[{"text":"is really good to kind of know.","start":376.375,"end":377.995,"sentiment":"positive","sentiment_score":0.34728455543518066},{"text":"Yeah.","start":378.055,"end":378.555,"sentiment":"neutral","sentiment_score":0.07006612420082092}],"sentiment":"neutral","sentiment_score":0.3126322515308857,"channel":0,"num_words":8,"start":376.375,"end":378.555},{"sentences":[{"text":"Mhmm.","start":379.335,"end":379.835,"sentiment":"neutral","sentiment_score":0.0167975015938282}],"sentiment":"neutral","sentiment_score":0.0167975015938282,"channel":1,"num_words":1,"start":379.335,"end":379.835},{"sentences":[{"text":"So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred.","start":379.655,"end":385.46,"sentiment":"neutral","sentiment_score":-0.027135172319647512},{"text":"We're going to get rid of that investment","start":385.46,"end":387.16,"sentiment":"neutral","sentiment_score":-0.1257269997149706}],"sentiment":"neutral","sentiment_score":-0.05634756562196546,"channel":0,"num_words":27,"start":379.655,"end":387.16},{"sentences":[{"text":"Okay.","start":387.1725,"end":387.6725,"sentiment":"neutral","sentiment_score":-0.005444645881652832}],"sentiment":"neutral","sentiment_score":-0.005444645881652832,"channel":1,"num_words":1,"start":387.1725,"end":387.6725},{"sentences":[{"text":"completely, and we are also getting rid of Bennelong Australian Equities.","start":387.22,"end":390.66,"sentiment":"neutral","sentiment_score":-0.10152349282394756},{"text":"It's the one that has been underperforming a bit in recent months there.","start":390.66,"end":394.36,"sentiment":"neutral","sentiment_score":-0.3256230400158809},{"text":"Bennelong was meant to be more of an actively managed fund within your portfolio, and it was","start":394.9,"end":400.685,"sentiment":"neutral","sentiment_score":0.013569506652214947}],"sentiment":"neutral","sentiment_score":-0.1248579592239566,"channel":0,"num_words":41,"start":387.22,"end":400.685},{"sentences":[{"text":"Yep.","start":400.37,"end":400.87,"sentiment":"neutral","sentiment_score":-0.05919404327869415}],"sentiment":"neutral","sentiment_score":-0.05919404327869415,"channel":1,"num_words":1,"start":400.37,"end":400.87},{"sentences":[{"text":"supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that.","start":400.685,"end":413.5,"sentiment":"neutral","sentiment_score":-0.02432823956012726},{"text":"They've had some underlying issues, so we've reviewed","start":413.5,"end":415.98,"sentiment":"neutral","sentiment_score":-0.3167192228138447}],"sentiment":"neutral","sentiment_score":-0.06465803035374346,"channel":0,"num_words":58,"start":400.685,"end":415.98},{"sentences":[{"text":"Yep.","start":415.70502,"end":416.20502,"sentiment":"neutral","sentiment_score":-0.28552424907684326}],"sentiment":"neutral","sentiment_score":-0.28552424907684326,"channel":1,"num_words":1,"start":415.70502,"end":416.20502},{"sentences":[{"text":"them and decided they're not worth keeping in the portfolio.","start":415.98,"end":418.64,"sentiment":"negative","sentiment_score":-0.45176756381988525}],"sentiment":"negative","sentiment_score":-0.45176756381988525,"channel":0,"num_words":10,"start":415.98,"end":418.64},{"sentences":[{"text":"Mhmm.","start":419.465,"end":419.965,"sentiment":"neutral","sentiment_score":-0.04357634112238884}],"sentiment":"neutral","sentiment_score":-0.04357634112238884,"channel":1,"num_words":1,"start":419.465,"end":419.965},{"sentences":[{"text":"So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper.","start":419.58002,"end":424.96002,"sentiment":"neutral","sentiment_score":0.008654958127360595},{"text":"We're actually on the top of the next page.","start":425.345,"end":427.665,"sentiment":"neutral","sentiment_score":0.22226355142063564},{"text":"We're placing them with the a 200 here, so the BetaShares Australian 200.","start":427.665,"end":431.92502,"sentiment":"neutral","sentiment_score":0.10211978336939445}],"sentiment":"neutral","sentiment_score":0.0851798378294561,"channel":0,"num_words":41,"start":419.58002,"end":431.92502},{"sentences":[{"text":"Okay.","start":431.63998,"end":432.13998,"sentiment":"neutral","sentiment_score":0.09809920191764832},{"text":"Yep.","start":432.28,"end":432.78,"sentiment":"neutral","sentiment_score":0.1075764298439026}],"sentiment":"neutral","sentiment_score":0.10283781588077545,"channel":1,"num_words":2,"start":431.63998,"end":432.78},{"sentences":[{"text":"By doing this, the a 200 tracks the top 200 companies on the ASX.","start":433.18503,"end":437.765,"sentiment":"neutral","sentiment_score":0.12576403894594737},{"text":"Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies","start":438.65,"end":450.11,"sentiment":"neutral","sentiment_score":0.14148267441325718}],"sentiment":"neutral","sentiment_score":0.13611533547320018,"channel":0,"num_words":41,"start":433.18503,"end":450.11},{"sentences":[{"text":"Yep.","start":449.95,"end":450.45,"sentiment":"neutral","sentiment_score":0.10293905436992644}],"sentiment":"neutral","sentiment_score":0.10293905436992644,"channel":1,"num_words":1,"start":449.95,"end":450.45},{"sentences":[{"text":"on the Australian share market.","start":450.16998,"end":451.85,"sentiment":"neutral","sentiment_score":0.12742941826581955},{"text":"So it's more of a passively managed fund.","start":451.85,"end":453.975,"sentiment":"neutral","sentiment_score":0.22384007647633553},{"text":"It's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well.","start":453.975,"end":461.015,"sentiment":"positive","sentiment_score":0.3485504516533443},{"text":"Okay.","start":461.015,"end":461.515,"sentiment":"neutral","sentiment_score":0.06742769479751587}],"sentiment":"neutral","sentiment_score":0.2804244252187865,"channel":0,"num_words":35,"start":450.16998,"end":461.515},{"sentences":[{"text":"Yep.","start":461.31,"end":461.55002,"sentiment":"neutral","sentiment_score":0.060396771878004074},{"text":"Yep.","start":461.55002,"end":462.05002,"sentiment":"neutral","sentiment_score":0.0653889998793602},{"text":"No problem.","start":462.11002,"end":462.85,"sentiment":"neutral","sentiment_score":0.15429141372442245}],"sentiment":"neutral","sentiment_score":0.1085921498015523,"channel":1,"num_words":4,"start":461.31,"end":462.85},{"sentences":[{"text":"Yeah.","start":462.375,"end":462.875,"sentiment":"neutral","sentiment_score":0.2417265772819519},{"text":"Perfect.","start":463.095,"end":463.595,"sentiment":"positive","sentiment_score":0.40680626034736633},{"text":"We've also got down here for the JPMorgan Global Enhanced Research Index Fund there.","start":464.82,"end":469.86,"sentiment":"neutral","sentiment_score":0.03873514384031296},{"text":"We are gonna remove that from the portfolio wholly, and we've got some physical gold there.","start":469.86,"end":475.22,"sentiment":"neutral","sentiment_score":0.06984819128410891},{"text":"It has done really well.","start":475.22,"end":476.26,"sentiment":"positive","sentiment_score":0.48982677459716795}],"sentiment":"neutral","sentiment_score":0.12858188607906168,"channel":0,"num_words":37,"start":462.375,"end":476.26},{"sentences":[{"text":"We're just rebalancing it back a little bit.","start":476.26,"end":478.26,"sentiment":"neutral","sentiment_score":0.031598083674907684},{"text":"At the moment, you've got about 10.54%.","start":478.26,"end":480.965,"sentiment":"neutral","sentiment_score":-0.0031940676937145846},{"text":"We just wanna hold 10% overall in the new portfolio.","start":480.965,"end":484.105,"sentiment":"neutral","sentiment_score":0.026404551416635513},{"text":"So it's just about selling a little bit of that off and spreading that across other areas.","start":484.64502,"end":489.225,"sentiment":"neutral","sentiment_score":0.005243586540660437}],"sentiment":"neutral","sentiment_score":0.013895540021448619,"channel":0,"num_words":42,"start":476.26,"end":489.225},{"sentences":[{"text":"Mhmm.","start":489.62,"end":489.69998,"sentiment":"neutral","sentiment_score":0.005608204752206802},{"text":"Yep.","start":489.69998,"end":490.19998,"sentiment":"neutral","sentiment_score":0.006718873046338558}],"sentiment":"neutral","sentiment_score":0.00616353889927268,"channel":1,"num_words":2,"start":489.62,"end":490.19998},{"sentences":[{"text":"We've got the iShares Yield plus that one there is being completely sold down.","start":490.565,"end":495.065,"sentiment":"neutral","sentiment_score":-0.1287341932100909},{"text":"And the bank hybrids, again, they are being removed completely as well.","start":495.33,"end":499.35,"sentiment":"neutral","sentiment_score":-0.12101994610081117},{"text":"Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there.","start":499.88998,"end":509.625,"sentiment":"neutral","sentiment_score":0.05971752569593232},{"text":"And bank hybrids","start":509.625,"end":510.665,"sentiment":"neutral","sentiment_score":-0.06562455371022224}],"sentiment":"neutral","sentiment_score":-0.029647990932752347,"channel":0,"num_words":58,"start":490.565,"end":510.665},{"sentences":[{"text":"Yep.","start":510.34998,"end":510.84998,"sentiment":"neutral","sentiment_score":-0.08135173469781876}],"sentiment":"neutral","sentiment_score":-0.08135173469781876,"channel":1,"num_words":1,"start":510.34998,"end":510.84998},{"sentences":[{"text":"over the next couple of years are actually gonna be phased out by the government.","start":510.665,"end":514.105,"sentiment":"neutral","sentiment_score":-0.14955546682079632},{"text":"So we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather","start":514.105,"end":519.865,"sentiment":"neutral","sentiment_score":-0.080632209405303}],"sentiment":"neutral","sentiment_score":-0.11017074829765729,"channel":0,"num_words":35,"start":510.665,"end":519.865},{"sentences":[{"text":"Yep.","start":519.845,"end":520.08496,"sentiment":"neutral","sentiment_score":-0.0569794736802578}],"sentiment":"neutral","sentiment_score":-0.0569794736802578,"channel":1,"num_words":1,"start":519.845,"end":520.08496},{"sentences":[{"text":"than in","start":519.865,"end":520.185,"sentiment":"neutral","sentiment_score":-0.06058125197887421}],"sentiment":"neutral","sentiment_score":-0.06058125197887421,"channel":0,"num_words":2,"start":519.865,"end":520.185},{"sentences":[{"text":"Yep.","start":520.08496,"end":520.58496,"sentiment":"neutral","sentiment_score":-0.05544798821210861}],"sentiment":"neutral","sentiment_score":-0.05544798821210861,"channel":1,"num_words":1,"start":520.08496,"end":520.58496},{"sentences":[{"text":"a couple of years.","start":520.185,"end":521.145,"sentiment":"neutral","sentiment_score":-0.0927149336785078},{"text":"Once they're fully phased out,","start":521.145,"end":522.925,"sentiment":"neutral","sentiment_score":-0.13963099271059037}],"sentiment":"neutral","sentiment_score":-0.11877941091855367,"channel":0,"num_words":9,"start":520.185,"end":522.925},{"sentences":[{"text":"Yep.","start":522.9249,"end":523.4249,"sentiment":"neutral","sentiment_score":-0.09118729829788208}],"sentiment":"neutral","sentiment_score":-0.09118729829788208,"channel":1,"num_words":1,"start":522.9249,"end":523.4249},{"sentences":[{"text":"We have to make that change quickly.","start":523.17,"end":524.85,"sentiment":"neutral","sentiment_score":-0.1288930465068136},{"text":"So we're","start":524.85,"end":525.97,"sentiment":"neutral","sentiment_score":0.007704477291554213}],"sentiment":"neutral","sentiment_score":-0.09853804121828741,"channel":0,"num_words":9,"start":523.17,"end":525.97},{"sentences":[{"text":"Yep.","start":525.76495,"end":526.26495,"sentiment":"neutral","sentiment_score":0.02296273037791252}],"sentiment":"neutral","sentiment_score":0.02296273037791252,"channel":1,"num_words":1,"start":525.76495,"end":526.26495},{"sentences":[{"text":"just making the change whilst we're doing all the other changes here at the moment for you.","start":525.97,"end":530.13,"sentiment":"neutral","sentiment_score":0.04592448933159604},{"text":"Okay?","start":530.13,"end":530.63,"sentiment":"neutral","sentiment_score":0.03461956977844238}],"sentiment":"neutral","sentiment_score":0.045296438245309725,"channel":0,"num_words":18,"start":525.97,"end":530.63},{"sentences":[{"text":"Yep.","start":530.32495,"end":530.565,"sentiment":"neutral","sentiment_score":0.0789073258638382},{"text":"Not a problem.","start":530.565,"end":531.385,"sentiment":"neutral","sentiment_score":0.2640070617198944}],"sentiment":"neutral","sentiment_score":0.21773212775588036,"channel":1,"num_words":4,"start":530.32495,"end":531.385},{"sentences":[{"text":"Perfect.","start":532.05,"end":532.55,"sentiment":"positive","sentiment_score":0.5722284913063049}],"sentiment":"positive","sentiment_score":0.5722284913063049,"channel":0,"num_words":1,"start":532.05,"end":532.55},{"sentences":[{"text":"Yep.","start":532.75,"end":533.25,"sentiment":"positive","sentiment_score":0.3375391960144043}],"sentiment":"positive","sentiment_score":0.3375391960144043,"channel":1,"num_words":1,"start":532.75,"end":533.25},{"sentences":[{"text":"Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well.","start":533.49,"end":548.425,"sentiment":"neutral","sentiment_score":0.22910206871373312},{"text":"So, essentially, this is yeah, diversifying across the globe.","start":548.425,"end":552.24,"sentiment":"neutral","sentiment_score":0.2654222283098433},{"text":"Not The US because you have the S and P 500 there.","start":553.02,"end":555.58,"sentiment":"neutral","sentiment_score":0.05115449459602436},{"text":"That's why it's ex","start":555.58,"end":556.46,"sentiment":"neutral","sentiment_score":0.100543312728405}],"sentiment":"neutral","sentiment_score":0.19443453920643722,"channel":0,"num_words":67,"start":533.49,"end":556.46},{"sentences":[{"text":"Yep.","start":556.275,"end":556.775,"sentiment":"neutral","sentiment_score":0.0371733158826828}],"sentiment":"neutral","sentiment_score":0.0371733158826828,"channel":1,"num_words":1,"start":556.275,"end":556.775},{"sentences":[{"text":"US.","start":556.46,"end":556.96,"sentiment":"neutral","sentiment_score":0.03915984183549881},{"text":"But it is, again, giving you diversification.","start":557.26,"end":558.96,"sentiment":"neutral","sentiment_score":0.2548970175640924},{"text":"So one of the important parts of diversifying your portfolio is not only having","start":559.42004,"end":563.26,"sentiment":"positive","sentiment_score":0.35551175315465244}],"sentiment":"neutral","sentiment_score":0.30911834131587634,"channel":0,"num_words":22,"start":556.46,"end":563.26},{"sentences":[{"text":"Mhmm.","start":563.26,"end":563.76,"sentiment":"neutral","sentiment_score":0.18874692916870117}],"sentiment":"neutral","sentiment_score":0.18874692916870117,"channel":1,"num_words":1,"start":563.26,"end":563.76},{"sentences":[{"text":"growth in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there.","start":563.26,"end":575.70496,"sentiment":"neutral","sentiment_score":0.2488059524227591},{"text":"So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well.","start":575.70496,"end":585.28,"sentiment":"positive","sentiment_score":0.47281529151258017},{"text":"Okay?","start":585.28,"end":585.78,"sentiment":"neutral","sentiment_score":0.16955751180648804}],"sentiment":"neutral","sentiment_score":0.33139430385615143,"channel":0,"num_words":56,"start":563.26,"end":585.78},{"sentences":[{"text":"Yep.","start":585.555,"end":586.055,"sentiment":"neutral","sentiment_score":0.14897511899471283},{"text":"Yep.","start":586.355,"end":586.8,"sentiment":"neutral","sentiment_score":0.139154851436615}],"sentiment":"neutral","sentiment_score":0.1440649852156639,"channel":1,"num_words":2,"start":585.555,"end":586.8},{"sentences":[{"text":"The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with.","start":587.36005,"end":592.98004,"sentiment":"neutral","sentiment_score":0.10537593699991703},{"text":"And then defensive investments wise, we've also got the core composite bonds in there.","start":593.2,"end":598.545,"sentiment":"neutral","sentiment_score":0.14071072318724223},{"text":"So bonds this is looking at bonds both corporate and government.","start":598.545,"end":602.005,"sentiment":"neutral","sentiment_score":0.16877333684401077},{"text":"It also has bank notes, and it also does have some diversification across the globe as well.","start":602.225,"end":607.665,"sentiment":"neutral","sentiment_score":0.23470275717623093},{"text":"So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important.","start":607.665,"end":622.5,"sentiment":"positive","sentiment_score":0.36149486899375916}],"sentiment":"neutral","sentiment_score":0.24691909435418768,"channel":0,"num_words":109,"start":587.36005,"end":622.5},{"sentences":[{"text":"You wanna have dividends and income produced out of your portfolio.","start":622.56,"end":626.315,"sentiment":"positive","sentiment_score":0.4233303828672929},{"text":"That goes into your cash account, and we can reinvest that back into your portfolio for compounding.","start":626.535,"end":632.075,"sentiment":"positive","sentiment_score":0.43430081360480366},{"text":"So bonds are really good.","start":632.21497,"end":634.455,"sentiment":"positive","sentiment_score":0.614913859218359},{"text":"A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool.","start":634.455,"end":645.35,"sentiment":"neutral","sentiment_score":0.27638295931475504},{"text":"Okay.","start":645.41,"end":645.91,"sentiment":"neutral","sentiment_score":0.1428643763065338}],"sentiment":"positive","sentiment_score":0.3613128303077774,"channel":0,"num_words":69,"start":622.56,"end":645.91},{"sentences":[{"text":"Yep.","start":645.76996,"end":646.26996,"sentiment":"neutral","sentiment_score":0.131230890750885},{"text":"K.","start":646.32996,"end":646.56995,"sentiment":"neutral","sentiment_score":0.10905780643224716},{"text":"Gotcha.","start":646.56995,"end":647.06995,"sentiment":"neutral","sentiment_score":0.16551171243190765}],"sentiment":"neutral","sentiment_score":0.13526680320501328,"channel":1,"num_words":3,"start":645.76996,"end":647.06995},{"sentences":[{"text":"Beautiful.","start":647.00995,"end":647.50995,"sentiment":"positive","sentiment_score":0.5361573100090027},{"text":"I try to keep that pretty brief.","start":648.365,"end":649.805,"sentiment":"neutral","sentiment_score":0.30493385451180594},{"text":"Not everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know.","start":649.805,"end":656.285,"sentiment":"neutral","sentiment_score":0.09610979230358051},{"text":"Happy to go further down for you.","start":656.285,"end":658.305,"sentiment":"positive","sentiment_score":0.4584930028234209},{"text":"But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio.","start":658.52496,"end":665.72003,"sentiment":"neutral","sentiment_score":0.18904105915377536}],"sentiment":"neutral","sentiment_score":0.19870746662983527,"channel":0,"num_words":65,"start":647.00995,"end":665.72003},{"sentences":[{"text":"Okay.","start":666.10004,"end":666.60004,"sentiment":"neutral","sentiment_score":0.08015825599431992}],"sentiment":"neutral","sentiment_score":0.08015825599431992,"channel":0,"num_words":1,"start":666.10004,"end":666.60004},{"sentences":[{"text":"Yeah.","start":666.22,"end":666.62,"sentiment":"neutral","sentiment_score":0.0747714638710022},{"text":"Right.","start":666.62,"end":666.86,"sentiment":"neutral","sentiment_score":0.07996145635843277},{"text":"Yeah.","start":666.86,"end":667.18,"sentiment":"neutral","sentiment_score":0.0844559594988823},{"text":"Yep.","start":667.18,"end":667.5,"sentiment":"neutral","sentiment_score":0.11561441421508788}],"sentiment":"neutral","sentiment_score":0.08870082348585129,"channel":1,"num_words":4,"start":666.22,"end":667.5},{"sentences":[{"text":"Yeah.","start":667.46,"end":667.96,"sentiment":"neutral","sentiment_score":0.1321398764848709}],"sentiment":"neutral","sentiment_score":0.1321398764848709,"channel":0,"num_words":1,"start":667.46,"end":667.96},{"sentences":[{"text":"Not a worry.","start":667.5,"end":668.22,"sentiment":"neutral","sentiment_score":0.15643910070260367},{"text":"Yeah.","start":668.22,"end":668.72,"sentiment":"neutral","sentiment_score":0.2900710701942444}],"sentiment":"neutral","sentiment_score":0.18984709307551384,"channel":1,"num_words":4,"start":667.5,"end":668.72},{"sentences":[{"text":"Easy.","start":668.9,"end":669.4,"sentiment":"positive","sentiment_score":0.36023443937301636},{"text":"All good.","start":669.62,"end":670.28,"sentiment":"positive","sentiment_score":0.4679574966430664},{"text":"If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there.","start":670.74,"end":677.48,"sentiment":"neutral","sentiment_score":0.10180400280902784}],"sentiment":"neutral","sentiment_score":0.13849798148428952,"channel":0,"num_words":27,"start":668.9,"end":677.48},{"sentences":[{"text":"Yes.","start":678.06,"end":678.495,"sentiment":"neutral","sentiment_score":0.09707693755626678},{"text":"Correct.","start":678.815,"end":679.315,"sentiment":"neutral","sentiment_score":0.16411197185516355}],"sentiment":"neutral","sentiment_score":0.13059445470571518,"channel":1,"num_words":2,"start":678.06,"end":679.315},{"sentences":[{"text":"Yeah.","start":679.045,"end":679.365,"sentiment":"neutral","sentiment_score":0.28497081995010376},{"text":"Beautiful.","start":679.365,"end":679.865,"sentiment":"positive","sentiment_score":0.4729080498218536},{"text":"So we're moving you down into that balanced growth environment.","start":680.005,"end":682.825,"sentiment":"neutral","sentiment_score":0.2615892171859741},{"text":"So starting to reduce your risk level gradually as you get closer to accessing super.","start":682.885,"end":687.385,"sentiment":"neutral","sentiment_score":0.10297476773460706},{"text":"So this risk profile generally sees at 20 oh, sorry.","start":687.605,"end":690.5,"sentiment":"neutral","sentiment_score":0.0800166230648756}],"sentiment":"neutral","sentiment_score":0.15455564292701515,"channel":0,"num_words":37,"start":679.045,"end":690.5},{"sentences":[{"text":"70% in growth investments and 30% defensive.","start":690.5,"end":693.8,"sentiment":"neutral","sentiment_score":0.09664595020668847},{"text":"It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then","start":694.5,"end":702.895,"sentiment":"neutral","sentiment_score":0.08465565349906683}],"sentiment":"neutral","sentiment_score":0.08776424894178356,"channel":0,"num_words":27,"start":690.5,"end":702.895},{"sentences":[{"text":"Okay.","start":702.83,"end":703.33,"sentiment":"neutral","sentiment_score":0.06910648941993713}],"sentiment":"neutral","sentiment_score":0.06910648941993713,"channel":1,"num_words":1,"start":702.83,"end":703.33},{"sentences":[{"text":"defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also","start":702.895,"end":709.695,"sentiment":"neutral","sentiment_score":0.0814790517091751}],"sentiment":"neutral","sentiment_score":0.0814790517091751,"channel":0,"num_words":20,"start":702.895,"end":709.695},{"sentences":[{"text":"Yep.","start":709.615,"end":710.115,"sentiment":"neutral","sentiment_score":0.09362655133008956}],"sentiment":"neutral","sentiment_score":0.09362655133008956,"channel":1,"num_words":1,"start":709.615,"end":710.115},{"sentences":[{"text":"some cash in there as well.","start":709.695,"end":711.135,"sentiment":"neutral","sentiment_score":0.11322728668649991},{"text":"So it's about diversifying there.","start":711.135,"end":713.635,"sentiment":"neutral","sentiment_score":0.13613420575857163},{"text":"With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments.","start":713.695,"end":723.13,"sentiment":"neutral","sentiment_score":0.08796616760082543},{"text":"So a bit overweighted with where we are at the moment, more in that growth kind of allocation.","start":723.19,"end":727.93,"sentiment":"neutral","sentiment_score":0.005184202351503902},{"text":"So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%.","start":729.43,"end":738.365,"sentiment":"neutral","sentiment_score":0.08436758366102974}],"sentiment":"neutral","sentiment_score":0.07258909638342145,"channel":0,"num_words":77,"start":709.695,"end":738.365},{"sentences":[{"text":"So it's about sort of a 5% variance from where that growth in defensive allocation","start":738.365,"end":743.105,"sentiment":"neutral","sentiment_score":0.050470896810293195}],"sentiment":"neutral","sentiment_score":0.050470896810293195,"channel":0,"num_words":15,"start":738.365,"end":743.105},{"sentences":[{"text":"Yeah.","start":742.96497,"end":743.205,"sentiment":"neutral","sentiment_score":0.05453675240278244}],"sentiment":"neutral","sentiment_score":0.05453675240278244,"channel":1,"num_words":1,"start":742.96497,"end":743.205},{"sentences":[{"text":"for","start":743.165,"end":743.325,"sentiment":"neutral","sentiment_score":0.0355934239923954}],"sentiment":"neutral","sentiment_score":0.0355934239923954,"channel":0,"num_words":1,"start":743.165,"end":743.325},{"sentences":[{"text":"It's","start":743.205,"end":743.365,"sentiment":"neutral","sentiment_score":0.06937327235937119}],"sentiment":"neutral","sentiment_score":0.06937327235937119,"channel":1,"num_words":1,"start":743.205,"end":743.365},{"sentences":[{"text":"your","start":743.325,"end":743.565,"sentiment":"neutral","sentiment_score":0.06508319079875946}],"sentiment":"neutral","sentiment_score":0.06508319079875946,"channel":0,"num_words":1,"start":743.325,"end":743.565},{"sentences":[{"text":"not","start":743.365,"end":743.605,"sentiment":"neutral","sentiment_score":0.008518412709236145}],"sentiment":"neutral","sentiment_score":0.008518412709236145,"channel":1,"num_words":1,"start":743.365,"end":743.605},{"sentences":[{"text":"risk","start":743.565,"end":743.805,"sentiment":"neutral","sentiment_score":-0.006656050682067871}],"sentiment":"neutral","sentiment_score":-0.006656050682067871,"channel":0,"num_words":1,"start":743.565,"end":743.805},{"sentences":[{"text":"yet.","start":743.605,"end":744.105,"sentiment":"neutral","sentiment_score":0.008529510349035263}],"sentiment":"neutral","sentiment_score":0.008529510349035263,"channel":1,"num_words":1,"start":743.605,"end":744.105},{"sentences":[{"text":"profile is, but it's very much in line with that.","start":743.805,"end":746.545,"sentiment":"neutral","sentiment_score":0.11323076263070106},{"text":"And it's about just reducing your risk level a little bit, which is what this portfolio does for you.","start":747.06,"end":752.18,"sentiment":"neutral","sentiment_score":0.16043444722890854},{"text":"Does that make sense?","start":752.18,"end":753.24,"sentiment":"neutral","sentiment_score":0.13193906657397747}],"sentiment":"neutral","sentiment_score":0.14267631484703583,"channel":0,"num_words":33,"start":743.805,"end":753.24},{"sentences":[{"text":"Yep.","start":753.5,"end":753.89996,"sentiment":"neutral","sentiment_score":0.08406420797109604},{"text":"Yep.","start":753.89996,"end":754.39996,"sentiment":"neutral","sentiment_score":0.08644285053014755}],"sentiment":"neutral","sentiment_score":0.0852535292506218,"channel":1,"num_words":2,"start":753.5,"end":754.39996},{"sentences":[{"text":"Yep.","start":754.58,"end":755.08,"sentiment":"neutral","sentiment_score":0.10961611568927764}],"sentiment":"neutral","sentiment_score":0.10961611568927764,"channel":0,"num_words":1,"start":754.58,"end":755.08},{"sentences":[{"text":"K.","start":755.1,"end":755.6,"sentiment":"neutral","sentiment_score":0.2209833562374115}],"sentiment":"neutral","sentiment_score":0.2209833562374115,"channel":1,"num_words":1,"start":755.1,"end":755.6},{"sentences":[{"text":"Perfect.","start":755.22003,"end":755.72003,"sentiment":"positive","sentiment_score":0.5484768748283386},{"text":"Excellent.","start":756.26,"end":756.76,"sentiment":"positive","sentiment_score":0.38882672786712646},{"text":"We've also got here on the next page to see comparison table.","start":757.86005,"end":762.02,"sentiment":"neutral","sentiment_score":0.07029278824726741},{"text":"So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment.","start":762.02,"end":783.10004,"sentiment":"neutral","sentiment_score":0.13147428818047047},{"text":"With where you are currently, you're in that growth portfolio, which hasn't done too badly.","start":783.72003,"end":787.80005,"sentiment":"neutral","sentiment_score":0.1125909999012947}],"sentiment":"neutral","sentiment_score":0.12793746037581533,"channel":0,"num_words":97,"start":755.22003,"end":787.80005},{"sentences":[{"text":"You've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there.","start":787.80005,"end":797.195,"sentiment":"neutral","sentiment_score":0.3233694463968277},{"text":"But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible.","start":797.655,"end":805.63,"sentiment":"neutral","sentiment_score":0.14349238947033882}],"sentiment":"neutral","sentiment_score":0.23166741737548044,"channel":0,"num_words":51,"start":787.80005,"end":805.63},{"sentences":[{"text":"Mhmm.","start":805.735,"end":806.235,"sentiment":"neutral","sentiment_score":0.013398215174674988}],"sentiment":"neutral","sentiment_score":0.013398215174674988,"channel":1,"num_words":1,"start":805.735,"end":806.235},{"sentences":[{"text":"So","start":805.77,"end":806.27,"sentiment":"neutral","sentiment_score":0.05172475427389145}],"sentiment":"neutral","sentiment_score":0.05172475427389145,"channel":0,"num_words":1,"start":805.77,"end":806.27},{"sentences":[{"text":"Yes.","start":806.295,"end":806.795,"sentiment":"neutral","sentiment_score":0.11787520349025726}],"sentiment":"neutral","sentiment_score":0.11787520349025726,"channel":1,"num_words":1,"start":806.295,"end":806.795},{"sentences":[{"text":"the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there.","start":806.41,"end":817.585,"sentiment":"neutral","sentiment_score":0.12235182737931609},{"text":"So with making the changes to your investments as noted above, we actually noted that there's no capital gains.","start":817.585,"end":823.765,"sentiment":"neutral","sentiment_score":0.11355416927682727},{"text":"The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit.","start":824.545,"end":837.11005,"sentiment":"neutral","sentiment_score":0.15110956877470016}],"sentiment":"neutral","sentiment_score":0.1314899661823323,"channel":0,"num_words":95,"start":806.41,"end":837.11005},{"sentences":[{"text":"Yep.","start":837.38,"end":837.88,"sentiment":"neutral","sentiment_score":0.31706684827804565}],"sentiment":"neutral","sentiment_score":0.31706684827804565,"channel":1,"num_words":1,"start":837.38,"end":837.88},{"sentences":[{"text":"So it actually means that there's no CGT consequences your super fund has to account for, which is great.","start":837.41003,"end":842.905,"sentiment":"positive","sentiment_score":0.4358938105012241},{"text":"No additional tax for your super fund to worry about.","start":842.905,"end":845.545,"sentiment":"neutral","sentiment_score":0.269376865029335}],"sentiment":"positive","sentiment_score":0.37847417413160717,"channel":0,"num_words":29,"start":837.41003,"end":845.545},{"sentences":[{"text":"Happy","start":845.54,"end":845.77997,"sentiment":"positive","sentiment_score":0.6090425252914429}],"sentiment":"positive","sentiment_score":0.6090425252914429,"channel":1,"num_words":1,"start":845.54,"end":845.77997},{"sentences":[{"text":"So","start":845.545,"end":845.625,"sentiment":"positive","sentiment_score":0.5301854610443115}],"sentiment":"positive","sentiment_score":0.5301854610443115,"channel":0,"num_words":1,"start":845.545,"end":845.625},{"sentences":[{"text":"with that.","start":845.77997,"end":846.51996,"sentiment":"positive","sentiment_score":0.4791184961795807}],"sentiment":"positive","sentiment_score":0.4791184961795807,"channel":1,"num_words":2,"start":845.77997,"end":846.51996},{"sentences":[{"text":"yeah.","start":847.065,"end":847.545,"sentiment":"neutral","sentiment_score":0.2972533702850342},{"text":"Absolutely.","start":847.545,"end":848.045,"sentiment":"positive","sentiment_score":0.3615888059139252},{"text":"Absolutely.","start":848.425,"end":848.925,"sentiment":"neutral","sentiment_score":0.28833478689193726},{"text":"So it does mean the balance expected in the recommended would be about the same as the $311,002.79.","start":849.305,"end":855.805,"sentiment":"neutral","sentiment_score":0.22044220897886488},{"text":"We are retaining Hub twenty four, so there's no change in the investment fees there.","start":856.47,"end":861.20996,"sentiment":"neutral","sentiment_score":0.13987070918083191}],"sentiment":"neutral","sentiment_score":0.19481103784508175,"channel":0,"num_words":36,"start":847.065,"end":861.20996},{"sentences":[{"text":"Hub twenty four is still a great platform.","start":861.35,"end":863.11,"sentiment":"positive","sentiment_score":0.5248747989535332},{"text":"There's no real major changes that needs to happen to that at the moment.","start":863.11,"end":866.41,"sentiment":"neutral","sentiment_score":0.04924842715263367},{"text":"We do wanna obviously keep checking things.","start":866.55,"end":868.64996,"sentiment":"neutral","sentiment_score":0.04948866207684789},{"text":"We do reevaluate.","start":868.775,"end":869.835,"sentiment":"neutral","sentiment_score":0.024266555284460384},{"text":"We are looking at investments, other platforms out there, and we did consider a few.","start":870.135,"end":874.295,"sentiment":"neutral","sentiment_score":-0.0036519570897022885}],"sentiment":"neutral","sentiment_score":0.11176419820874295,"channel":0,"num_words":47,"start":861.35,"end":874.295},{"sentences":[{"text":"But the the capital gains cost of selling down your portfolio completely and moving to a new fund","start":874.295,"end":880.715,"sentiment":"neutral","sentiment_score":-0.29139137640595436}],"sentiment":"neutral","sentiment_score":-0.29139137640595436,"channel":0,"num_words":18,"start":874.295,"end":880.715},{"sentences":[{"text":"Yeah.","start":880.295,"end":880.795,"sentiment":"negative","sentiment_score":-0.4188117384910583}],"sentiment":"negative","sentiment_score":-0.4188117384910583,"channel":1,"num_words":1,"start":880.295,"end":880.795},{"sentences":[{"text":"just doesn't really add up at all.","start":880.935,"end":882.53503,"sentiment":"negative","sentiment_score":-0.6307757496833801},{"text":"So it ended up being too much.","start":882.53503,"end":884.295,"sentiment":"negative","sentiment_score":-0.5118127529110227},{"text":"It's best to try and retain where you can and switch investments where you can as well.","start":884.295,"end":888.82996,"sentiment":"neutral","sentiment_score":0.23060425064143011},{"text":"So","start":888.82996,"end":889.32996,"sentiment":"neutral","sentiment_score":0.17058943212032318}],"sentiment":"neutral","sentiment_score":-0.12210180703550577,"channel":0,"num_words":32,"start":880.935,"end":889.32996},{"sentences":[{"text":"Yeah.","start":890.375,"end":890.535,"sentiment":"neutral","sentiment_score":0.2031193375587463},{"text":"That's right.","start":890.535,"end":891.015,"sentiment":"positive","sentiment_score":0.3725418746471405},{"text":"It makes sense.","start":891.015,"end":891.575,"sentiment":"positive","sentiment_score":0.4350731472174327},{"text":"I mean, you just gotta keep following them.","start":891.575,"end":893.65497,"sentiment":"neutral","sentiment_score":0.3085267096757889},{"text":"Well, I mean, it's hard, but it's easy for you to say that.","start":893.65497,"end":896.27,"sentiment":"neutral","sentiment_score":0.016297312596669562}],"sentiment":"neutral","sentiment_score":0.18272226924697557,"channel":1,"num_words":27,"start":890.375,"end":896.27},{"sentences":[{"text":"I don't I don't get a lot of what you, you know, what you fellas do.","start":896.27,"end":899.79,"sentiment":"neutral","sentiment_score":-0.049804141744971275},{"text":"But,","start":899.79,"end":900.27,"sentiment":"neutral","sentiment_score":-0.011033859103918076}],"sentiment":"neutral","sentiment_score":-0.04752353688373285,"channel":1,"num_words":17,"start":896.27,"end":900.27},{"sentences":[{"text":"Yeah.","start":899.885,"end":900.385,"sentiment":"neutral","sentiment_score":0.0012521129101514816}],"sentiment":"neutral","sentiment_score":0.0012521129101514816,"channel":0,"num_words":1,"start":899.885,"end":900.385},{"sentences":[{"text":"I mean, you you just know where you are sort of thing.","start":900.27,"end":902.75,"sentiment":"neutral","sentiment_score":0.030395964936663706},{"text":"So","start":902.75,"end":903.23,"sentiment":"neutral","sentiment_score":0.03512967377901077}],"sentiment":"neutral","sentiment_score":0.03076009638607502,"channel":1,"num_words":13,"start":900.27,"end":903.23},{"sentences":[{"text":"Yeah.","start":903.085,"end":903.585,"sentiment":"neutral","sentiment_score":0.06224323436617851}],"sentiment":"neutral","sentiment_score":0.06224323436617851,"channel":0,"num_words":1,"start":903.085,"end":903.585},{"sentences":[{"text":"you virtually, you're following the flow the same as anyone would in any business.","start":903.23,"end":907.33,"sentiment":"neutral","sentiment_score":0.11733923586351531}],"sentiment":"neutral","sentiment_score":0.11733923586351531,"channel":1,"num_words":14,"start":903.23,"end":907.33},{"sentences":[{"text":"Yeah.","start":907.805,"end":908.305,"sentiment":"neutral","sentiment_score":0.013246512040495872}],"sentiment":"neutral","sentiment_score":0.013246512040495872,"channel":0,"num_words":1,"start":907.805,"end":908.305},{"sentences":[{"text":"But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually.","start":907.88495,"end":918.065,"sentiment":"neutral","sentiment_score":-0.08484438101224827}],"sentiment":"neutral","sentiment_score":-0.08484438101224827,"channel":1,"num_words":33,"start":907.88495,"end":918.065},{"sentences":[{"text":"Yeah.","start":917.98004,"end":918.48004,"sentiment":"neutral","sentiment_score":-0.021893871948122975}],"sentiment":"neutral","sentiment_score":-0.021893871948122975,"channel":0,"num_words":1,"start":917.98004,"end":918.48004},{"sentences":[{"text":"So, I mean, a","start":918.125,"end":919.165,"sentiment":"neutral","sentiment_score":-0.017734678694978356}],"sentiment":"neutral","sentiment_score":-0.017734678694978356,"channel":1,"num_words":4,"start":918.125,"end":919.165},{"sentences":[{"text":"Yeah.","start":919.10004,"end":919.60004,"sentiment":"neutral","sentiment_score":-0.02233920246362686}],"sentiment":"neutral","sentiment_score":-0.02233920246362686,"channel":0,"num_words":1,"start":919.10004,"end":919.60004},{"sentences":[{"text":"lot of this stuff is in the dark for me, but I'm I'm getting what you're saying.","start":919.165,"end":922.785,"sentiment":"neutral","sentiment_score":-0.05621358631726574}],"sentiment":"neutral","sentiment_score":-0.05621358631726574,"channel":1,"num_words":17,"start":919.165,"end":922.785},{"sentences":[{"text":"Yeah.","start":923.275,"end":923.59503,"sentiment":"neutral","sentiment_score":0.036922886967659},{"text":"That's","start":923.59503,"end":923.91504,"sentiment":"neutral","sentiment_score":0.07828635722398758}],"sentiment":"neutral","sentiment_score":0.05760462209582329,"channel":0,"num_words":2,"start":923.275,"end":923.91504},{"sentences":[{"text":"And","start":923.74,"end":923.98,"sentiment":"neutral","sentiment_score":0.14976608753204346}],"sentiment":"neutral","sentiment_score":0.14976608753204346,"channel":1,"num_words":1,"start":923.74,"end":923.98},{"sentences":[{"text":"good.","start":923.91504,"end":924.395,"sentiment":"neutral","sentiment_score":0.2495007961988449}],"sentiment":"neutral","sentiment_score":0.2495007961988449,"channel":0,"num_words":1,"start":923.91504,"end":924.395},{"sentences":[{"text":"it and it all","start":923.98,"end":924.62,"sentiment":"neutral","sentiment_score":0.17270446196198463}],"sentiment":"neutral","sentiment_score":0.17270446196198463,"channel":1,"num_words":4,"start":923.98,"end":924.62},{"sentences":[{"text":"That's","start":924.395,"end":924.715,"sentiment":"neutral","sentiment_score":0.28825464844703674}],"sentiment":"neutral","sentiment_score":0.28825464844703674,"channel":0,"num_words":1,"start":924.395,"end":924.715},{"sentences":[{"text":"and","start":924.62,"end":924.86,"sentiment":"neutral","sentiment_score":0.30208542943000793}],"sentiment":"neutral","sentiment_score":0.30208542943000793,"channel":1,"num_words":1,"start":924.62,"end":924.86},{"sentences":[{"text":"good.","start":924.715,"end":925.215,"sentiment":"positive","sentiment_score":0.4251829981803894}],"sentiment":"positive","sentiment_score":0.4251829981803894,"channel":0,"num_words":1,"start":924.715,"end":925.215},{"sentences":[{"text":"it all makes sense.","start":924.86,"end":925.66,"sentiment":"neutral","sentiment_score":0.30567163974046707},{"text":"You know?","start":925.66,"end":926.13995,"sentiment":"neutral","sentiment_score":0.078897874802351},{"text":"So","start":926.13995,"end":926.63995,"sentiment":"neutral","sentiment_score":0.11035892367362976}],"sentiment":"neutral","sentiment_score":0.21297731889145716,"channel":1,"num_words":7,"start":924.86,"end":926.63995},{"sentences":[{"text":"Yeah.","start":926.875,"end":927.375,"sentiment":"neutral","sentiment_score":0.15670081973075867}],"sentiment":"neutral","sentiment_score":0.15670081973075867,"channel":0,"num_words":1,"start":926.875,"end":927.375},{"sentences":[{"text":"so","start":927.5,"end":927.81995,"sentiment":"neutral","sentiment_score":0.235379159450531}],"sentiment":"neutral","sentiment_score":0.235379159450531,"channel":1,"num_words":1,"start":927.5,"end":927.81995},{"sentences":[{"text":"Perfect.","start":927.515,"end":928.015,"sentiment":"positive","sentiment_score":0.4050379395484924}],"sentiment":"positive","sentiment_score":0.4050379395484924,"channel":0,"num_words":1,"start":927.515,"end":928.015},{"sentences":[{"text":"that's good.","start":927.81995,"end":928.3,"sentiment":"positive","sentiment_score":0.44409042596817017},{"text":"But","start":928.3,"end":928.54,"sentiment":"neutral","sentiment_score":0.24251388013362885}],"sentiment":"positive","sentiment_score":0.37689824402332306,"channel":1,"num_words":3,"start":927.81995,"end":928.54},{"sentences":[{"text":"Yeah.","start":928.47504,"end":928.97504,"sentiment":"neutral","sentiment_score":0.19146063923835752}],"sentiment":"neutral","sentiment_score":0.19146063923835752,"channel":0,"num_words":1,"start":928.47504,"end":928.97504},{"sentences":[{"text":"it'd be I'm I'm I'm happy with with the way we're","start":928.54,"end":931.5,"sentiment":"neutral","sentiment_score":0.2422802746295929}],"sentiment":"neutral","sentiment_score":0.2422802746295929,"channel":1,"num_words":11,"start":928.54,"end":931.5},{"sentences":[{"text":"Yep.","start":931.275,"end":931.775,"sentiment":"neutral","sentiment_score":0.23765268921852112}],"sentiment":"neutral","sentiment_score":0.23765268921852112,"channel":0,"num_words":1,"start":931.275,"end":931.775},{"sentences":[{"text":"going and and the direction we're going at the moment anyway.","start":931.5,"end":934.3,"sentiment":"neutral","sentiment_score":0.21472904898903586},{"text":"So that's","start":934.3,"end":934.94,"sentiment":"neutral","sentiment_score":0.13370021060109138}],"sentiment":"neutral","sentiment_score":0.20226307385242903,"channel":1,"num_words":13,"start":931.5,"end":934.94},{"sentences":[{"text":"Yep.","start":934.64996,"end":935.14996,"sentiment":"neutral","sentiment_score":0.14050185680389404}],"sentiment":"neutral","sentiment_score":0.14050185680389404,"channel":0,"num_words":1,"start":934.64996,"end":935.14996},{"sentences":[{"text":"that's the main thing.","start":934.94,"end":936.16,"sentiment":"neutral","sentiment_score":0.1524187009781599}],"sentiment":"neutral","sentiment_score":0.1524187009781599,"channel":1,"num_words":4,"start":934.94,"end":936.16},{"sentences":[{"text":"Yeah.","start":936.49,"end":936.97,"sentiment":"neutral","sentiment_score":0.31207430362701416},{"text":"Perfect.","start":936.97,"end":937.47,"sentiment":"positive","sentiment_score":0.5190427303314209},{"text":"Perfect.","start":937.61,"end":938.11,"sentiment":"positive","sentiment_score":0.5185228586196899},{"text":"The good thing about the investment switch is you'll see your investment fees do drop.","start":939.20996,"end":943.20996,"sentiment":"positive","sentiment_score":0.45598129034042356},{"text":"So we started off with the $12.58.","start":943.20996,"end":945.375,"sentiment":"neutral","sentiment_score":0.30538216659000944}],"sentiment":"positive","sentiment_score":0.4130813765525818,"channel":0,"num_words":25,"start":936.49,"end":945.375},{"sentences":[{"text":"It's down to $5.29 with the new portfolio.","start":945.375,"end":947.795,"sentiment":"positive","sentiment_score":0.3546035625040531},{"text":"So it essentially saves $729 in investment fees for the first year, which is great.","start":947.855,"end":953.53503,"sentiment":"positive","sentiment_score":0.526559958855311},{"text":"Any kind of saving on fees means that that money stays in your super in your portfolio growing towards","start":953.53503,"end":959.295,"sentiment":"positive","sentiment_score":0.449997625852886}],"sentiment":"positive","sentiment_score":0.4591710184301649,"channel":0,"num_words":42,"start":945.375,"end":959.295},{"sentences":[{"text":"Yes.","start":958.91003,"end":959.41003,"sentiment":"neutral","sentiment_score":0.32039695978164673}],"sentiment":"neutral","sentiment_score":0.32039695978164673,"channel":1,"num_words":1,"start":958.91003,"end":959.41003},{"sentences":[{"text":"your retirement, which is a a great advantage to the changes.","start":959.295,"end":962.77997,"sentiment":"positive","sentiment_score":0.46253252029418945}],"sentiment":"positive","sentiment_score":0.46253252029418945,"channel":0,"num_words":11,"start":959.295,"end":962.77997},{"sentences":[{"text":"Yep.","start":963.435,"end":963.935,"sentiment":"neutral","sentiment_score":0.20008091628551483}],"sentiment":"neutral","sentiment_score":0.20008091628551483,"channel":1,"num_words":1,"start":963.435,"end":963.935},{"sentences":[{"text":"The ongoing service fee, that does encounter a bit of growth there.","start":963.56,"end":967.39996,"sentiment":"neutral","sentiment_score":0.16079048129419485},{"text":"That's why you see it goes up a little bit for this side of the projection table.","start":967.39996,"end":971.95996,"sentiment":"neutral","sentiment_score":0.2161265541525448},{"text":"We also","start":971.95996,"end":972.92,"sentiment":"neutral","sentiment_score":0.1541225165128708}],"sentiment":"neutral","sentiment_score":0.1907058783596562,"channel":0,"num_words":31,"start":963.56,"end":972.92},{"sentences":[{"text":"Yep.","start":972.55505,"end":973.05505,"sentiment":"neutral","sentiment_score":0.1419357806444168}],"sentiment":"neutral","sentiment_score":0.1419357806444168,"channel":1,"num_words":1,"start":972.55505,"end":973.05505},{"sentences":[{"text":"factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income.","start":972.92,"end":980.185,"sentiment":"neutral","sentiment_score":0.1857408766563122},{"text":"And you'll see your insurance premiums going down there as well.","start":980.485,"end":983.445,"sentiment":"neutral","sentiment_score":0.2524773437868465},{"text":"So we've made that recommendation","start":983.445,"end":985.305,"sentiment":"neutral","sentiment_score":0.21802028119564057}],"sentiment":"neutral","sentiment_score":0.20706226144518172,"channel":0,"num_words":42,"start":972.92,"end":985.305},{"sentences":[{"text":"Yep.","start":985.31,"end":985.81,"sentiment":"neutral","sentiment_score":0.11657662689685822}],"sentiment":"neutral","sentiment_score":0.11657662689685822,"channel":1,"num_words":1,"start":985.31,"end":985.81},{"sentences":[{"text":"to reduce your life down to that 300,000, cancel","start":985.605,"end":988.725,"sentiment":"neutral","sentiment_score":-0.06698088554872407}],"sentiment":"neutral","sentiment_score":-0.06698088554872407,"channel":0,"num_words":9,"start":985.605,"end":988.725},{"sentences":[{"text":"Yeah.","start":988.51,"end":988.99005,"sentiment":"neutral","sentiment_score":0.06520020961761475}],"sentiment":"neutral","sentiment_score":0.06520020961761475,"channel":1,"num_words":1,"start":988.51,"end":988.99005},{"sentences":[{"text":"your TBD,","start":988.725,"end":989.46497,"sentiment":"neutral","sentiment_score":0.09965652227401733}],"sentiment":"neutral","sentiment_score":0.09965652227401733,"channel":0,"num_words":2,"start":988.725,"end":989.46497},{"sentences":[{"text":"Yep.","start":988.99005,"end":989.445,"sentiment":"neutral","sentiment_score":0.2388608157634735}],"sentiment":"neutral","sentiment_score":0.2388608157634735,"channel":1,"num_words":1,"start":988.99005,"end":989.445},{"sentences":[{"text":"which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward.","start":989.605,"end":997.10004,"sentiment":"neutral","sentiment_score":0.25175071304494684},{"text":"Okay?","start":997.16003,"end":997.66003,"sentiment":"neutral","sentiment_score":0.1509484499692917}],"sentiment":"neutral","sentiment_score":0.24736800595470096,"channel":0,"num_words":23,"start":989.605,"end":997.66003},{"sentences":[{"text":"Yep.","start":997.525,"end":998.025,"sentiment":"neutral","sentiment_score":0.3330206871032715}],"sentiment":"neutral","sentiment_score":0.3330206871032715,"channel":1,"num_words":1,"start":997.525,"end":998.025},{"sentences":[{"text":"Excellent.","start":998.84,"end":999.34,"sentiment":"positive","sentiment_score":0.6410079002380371}],"sentiment":"positive","sentiment_score":0.6410079002380371,"channel":0,"num_words":1,"start":998.84,"end":999.34},{"sentences":[{"text":"Yep.","start":999.445,"end":999.945,"sentiment":"positive","sentiment_score":0.5286788940429688},{"text":"Fantastic.","start":1000.245,"end":1000.745,"sentiment":"positive","sentiment_score":0.7680572271347046}],"sentiment":"positive","sentiment_score":0.6483680605888367,"channel":1,"num_words":2,"start":999.445,"end":1000.745},{"sentences":[{"text":"We as we noted, we are looking to reduce that risk level a bit.","start":1000.28,"end":1004.36005,"sentiment":"neutral","sentiment_score":0.28955029270478655},{"text":"So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio.","start":1004.36005,"end":1015.295,"sentiment":"positive","sentiment_score":0.4883004926866101},{"text":"So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you","start":1015.435,"end":1026.72,"sentiment":"positive","sentiment_score":0.42446977177331613}],"sentiment":"positive","sentiment_score":0.42549113133414224,"channel":0,"num_words":88,"start":1000.28,"end":1026.72},{"sentences":[{"text":"Yep.","start":1026.595,"end":1027.095,"sentiment":"positive","sentiment_score":0.5329089760780334}],"sentiment":"positive","sentiment_score":0.5329089760780334,"channel":1,"num_words":1,"start":1026.595,"end":1027.095},{"sentences":[{"text":"in a much greater position moving forward there.","start":1026.72,"end":1029.14,"sentiment":"positive","sentiment_score":0.5045502707362175},{"text":"Okay.","start":1029.2001,"end":1029.7001,"sentiment":"neutral","sentiment_score":0.21526236832141876}],"sentiment":"positive","sentiment_score":0.47240717046790653,"channel":0,"num_words":9,"start":1026.72,"end":1029.7001},{"sentences":[{"text":"Yep.","start":1029.5549,"end":1029.93,"sentiment":"neutral","sentiment_score":0.1570988893508911},{"text":"Yep.","start":1030.0901,"end":1030.41,"sentiment":"neutral","sentiment_score":0.16755978763103485},{"text":"Got","start":1030.41,"end":1030.91,"sentiment":"positive","sentiment_score":0.37386488914489746}],"sentiment":"neutral","sentiment_score":0.23284118870894113,"channel":1,"num_words":3,"start":1029.5549,"end":1030.91},{"sentences":[{"text":"Perfect.","start":1031.92,"end":1032.42,"sentiment":"positive","sentiment_score":0.5092576146125793},{"text":"Perfect.","start":1032.8,"end":1033.3,"sentiment":"positive","sentiment_score":0.5024016499519348},{"text":"That's the sense of the projection side of things there.","start":1034.56,"end":1036.875,"sentiment":"neutral","sentiment_score":0.2286555588245392},{"text":"If you go down to the next page, page number 24, we've got the retirement","start":1036.875,"end":1041.2949,"sentiment":"neutral","sentiment_score":0.12668651988108953}],"sentiment":"neutral","sentiment_score":0.19253750559356478,"channel":0,"num_words":27,"start":1031.92,"end":1041.2949},{"sentences":[{"text":"that.","start":1040.9701,"end":1041.4701,"sentiment":"neutral","sentiment_score":0.1006450653076172}],"sentiment":"neutral","sentiment_score":0.1006450653076172,"channel":1,"num_words":1,"start":1040.9701,"end":1041.4701},{"sentences":[{"text":"income calculated there.","start":1041.355,"end":1042.715,"sentiment":"neutral","sentiment_score":0.12224887311458588},{"text":"So by looking at the changes that we are making, we're sort of projecting forward to retirement.","start":1042.715,"end":1047.2949,"sentiment":"neutral","sentiment_score":0.21060148933354547},{"text":"We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well.","start":1048.0499,"end":1053.4099,"sentiment":"neutral","sentiment_score":0.19077725573019547},{"text":"So this sort of shows that with your","start":1053.4099,"end":1055.25,"sentiment":"neutral","sentiment_score":0.1370191415771842}],"sentiment":"neutral","sentiment_score":0.1848044939339161,"channel":0,"num_words":50,"start":1041.355,"end":1055.25},{"sentences":[{"text":"Yes.","start":1055.1749,"end":1055.6749,"sentiment":"neutral","sentiment_score":0.11359427124261856}],"sentiment":"neutral","sentiment_score":0.11359427124261856,"channel":1,"num_words":1,"start":1055.1749,"end":1055.6749},{"sentences":[{"text":"super balance retiring at the age that you want to.","start":1055.25,"end":1058.1499,"sentiment":"neutral","sentiment_score":0.1400897055864334},{"text":"And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both.","start":1058.69,"end":1071.095,"sentiment":"neutral","sentiment_score":0.1589159843596545}],"sentiment":"neutral","sentiment_score":0.15601963377915895,"channel":0,"num_words":65,"start":1055.25,"end":1071.095},{"sentences":[{"text":"Yes.","start":1071.49,"end":1071.89,"sentiment":"neutral","sentiment_score":0.09413360059261322}],"sentiment":"neutral","sentiment_score":0.09413360059261322,"channel":1,"num_words":1,"start":1071.49,"end":1071.89},{"sentences":[{"text":"But, realistically,","start":1071.555,"end":1072.375,"sentiment":"neutral","sentiment_score":0.09134212136268616}],"sentiment":"neutral","sentiment_score":0.09134212136268616,"channel":0,"num_words":2,"start":1071.555,"end":1072.375},{"sentences":[{"text":"Yep.","start":1071.89,"end":1072.39,"sentiment":"neutral","sentiment_score":0.12197773158550262}],"sentiment":"neutral","sentiment_score":0.12197773158550262,"channel":1,"num_words":1,"start":1071.89,"end":1072.39},{"sentences":[{"text":"we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there.","start":1072.595,"end":1084.2999,"sentiment":"neutral","sentiment_score":0.15666000645708394},{"text":"And that's just factoring in your super and the expected pension side of things.","start":1084.2999,"end":1088.96,"sentiment":"neutral","sentiment_score":0.13439974082367762},{"text":"We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we","start":1089.66,"end":1095.645,"sentiment":"neutral","sentiment_score":0.11492727874290376}],"sentiment":"neutral","sentiment_score":0.14015957588950792,"channel":0,"num_words":72,"start":1072.595,"end":1095.645},{"sentences":[{"text":"Yep.","start":1095.52,"end":1096.02,"sentiment":"neutral","sentiment_score":0.04134972393512726}],"sentiment":"neutral","sentiment_score":0.04134972393512726,"channel":1,"num_words":1,"start":1095.52,"end":1096.02},{"sentences":[{"text":"need to to make sure everything continues to work hard for you.","start":1095.645,"end":1099.265,"sentiment":"neutral","sentiment_score":0.040563431878884636},{"text":"Okay.","start":1099.325,"end":1099.825,"sentiment":"neutral","sentiment_score":0.19990618526935575}],"sentiment":"neutral","sentiment_score":0.052820566755074724,"channel":0,"num_words":13,"start":1095.645,"end":1099.825},{"sentences":[{"text":"Sounds good.","start":1100.16,"end":1100.98,"sentiment":"positive","sentiment_score":0.3868641257286072}],"sentiment":"positive","sentiment_score":0.3868641257286072,"channel":1,"num_words":2,"start":1100.16,"end":1100.98},{"sentences":[{"text":"Yeah.","start":1100.845,"end":1101.345,"sentiment":"neutral","sentiment_score":0.24902018904685977},{"text":"Beautiful.","start":1101.405,"end":1101.8049,"sentiment":"neutral","sentiment_score":0.08197420090436935},{"text":"It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition.","start":1101.8049,"end":1111.72,"sentiment":"positive","sentiment_score":0.7526293216749679}],"sentiment":"positive","sentiment_score":0.72653456048833,"channel":0,"num_words":45,"start":1100.845,"end":1111.72},{"sentences":[{"text":"Yeah.","start":1112.315,"end":1112.635,"sentiment":"neutral","sentiment_score":0.27573341131210327},{"text":"That's right.","start":1112.635,"end":1113.275,"sentiment":"neutral","sentiment_score":0.2759755402803421},{"text":"Exactly.","start":1113.275,"end":1113.755,"sentiment":"neutral","sentiment_score":0.16859528422355652},{"text":"You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever.","start":1113.755,"end":1130.7999,"sentiment":"neutral","sentiment_score":0.03172992971604285}],"sentiment":"neutral","sentiment_score":0.0491171308606863,"channel":1,"num_words":50,"start":1112.315,"end":1130.7999},{"sentences":[{"text":"Yep.","start":1131.01,"end":1131.51,"sentiment":"neutral","sentiment_score":0.03651846945285797}],"sentiment":"neutral","sentiment_score":0.03651846945285797,"channel":0,"num_words":1,"start":1131.01,"end":1131.51},{"sentences":[{"text":"But then when I finally got a a permanent job,","start":1131.905,"end":1134.725,"sentiment":"neutral","sentiment_score":-0.012608472630381585}],"sentiment":"neutral","sentiment_score":-0.012608472630381585,"channel":1,"num_words":10,"start":1131.905,"end":1134.725},{"sentences":[{"text":"Yep.","start":1135.33,"end":1135.83,"sentiment":"neutral","sentiment_score":-0.004500679671764374}],"sentiment":"neutral","sentiment_score":-0.004500679671764374,"channel":0,"num_words":1,"start":1135.33,"end":1135.83},{"sentences":[{"text":"I started to actually put a bit of because the old man said to me, you know, you have you looked at super?","start":1136.465,"end":1141.025,"sentiment":"neutral","sentiment_score":-0.05227328334813532},{"text":"And I said, well, no.","start":1141.025,"end":1142.165,"sentiment":"neutral","sentiment_score":-0.09246255904436111},{"text":"You don't do","start":1142.945,"end":1143.585,"sentiment":"neutral","sentiment_score":-0.13988380134105682}],"sentiment":"neutral","sentiment_score":-0.0672338618145835,"channel":1,"num_words":31,"start":1136.465,"end":1143.585},{"sentences":[{"text":"Yeah.","start":1143.505,"end":1144.005,"sentiment":"neutral","sentiment_score":-0.04743021726608277}],"sentiment":"neutral","sentiment_score":-0.04743021726608277,"channel":0,"num_words":1,"start":1143.505,"end":1144.005},{"sentences":[{"text":"that when you're young.","start":1143.585,"end":1144.465,"sentiment":"neutral","sentiment_score":-0.04727305844426155},{"text":"You know?","start":1144.465,"end":1144.865,"sentiment":"neutral","sentiment_score":-0.026714084669947624},{"text":"Like,","start":1144.865,"end":1145.365,"sentiment":"neutral","sentiment_score":-0.016111839562654495}],"sentiment":"neutral","sentiment_score":-0.03694746323994228,"channel":1,"num_words":7,"start":1143.585,"end":1145.365},{"sentences":[{"text":"Yeah.","start":1145.505,"end":1146.005,"sentiment":"neutral","sentiment_score":-0.0055971331894397736}],"sentiment":"neutral","sentiment_score":-0.0055971331894397736,"channel":0,"num_words":1,"start":1145.505,"end":1146.005},{"sentences":[{"text":"and he said, well you know, because he he used to work for the the hospital, so he was in a government setup.","start":1145.65,"end":1151.75,"sentiment":"neutral","sentiment_score":-0.009979582594140717}],"sentiment":"neutral","sentiment_score":-0.009979582594140717,"channel":1,"num_words":23,"start":1145.65,"end":1151.75},{"sentences":[{"text":"Yeah.","start":1152.145,"end":1152.645,"sentiment":"neutral","sentiment_score":0.03877146169543266}],"sentiment":"neutral","sentiment_score":0.03877146169543266,"channel":0,"num_words":1,"start":1152.145,"end":1152.645},{"sentences":[{"text":"And they had a good system sort of thing, and he said, well, you should start looking at it.","start":1152.29,"end":1156.29,"sentiment":"neutral","sentiment_score":0.07461986308427233},{"text":"He said, you know, you don't have to, but you should start putting something away.","start":1156.29,"end":1159.65,"sentiment":"neutral","sentiment_score":-0.08899125643074512},{"text":"So I did.","start":1159.65,"end":1160.47,"sentiment":"neutral","sentiment_score":-0.001138998195528984}],"sentiment":"neutral","sentiment_score":0.0021484204744165007,"channel":1,"num_words":37,"start":1152.29,"end":1160.47},{"sentences":[{"text":"Yeah.","start":1160.8,"end":1161.3,"sentiment":"neutral","sentiment_score":0.006904358044266701}],"sentiment":"neutral","sentiment_score":0.006904358044266701,"channel":0,"num_words":1,"start":1160.8,"end":1161.3},{"sentences":[{"text":"And I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else.","start":1160.8849,"end":1170.0049,"sentiment":"neutral","sentiment_score":-0.04881343190316801},{"text":"And and, yeah, some for some reason, it was just sort of left behind.","start":1170.0049,"end":1175.225,"sentiment":"neutral","sentiment_score":-0.13555140952978814},{"text":"Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually","start":1176.91,"end":1189.805,"sentiment":"neutral","sentiment_score":-0.06776882537773678}],"sentiment":"neutral","sentiment_score":-0.07352093793451786,"channel":1,"num_words":76,"start":1160.8849,"end":1189.805},{"sentences":[{"text":"Yeah.","start":1189.5901,"end":1190.0901,"sentiment":"neutral","sentiment_score":-0.07061885297298431}],"sentiment":"neutral","sentiment_score":-0.07061885297298431,"channel":0,"num_words":1,"start":1189.5901,"end":1190.0901},{"sentences":[{"text":"start putting anything myself or into super at all.","start":1189.805,"end":1192.785,"sentiment":"neutral","sentiment_score":-0.18959910505347782},{"text":"But, anyway, I mean, eventually, like, we're getting to this point.","start":1194.365,"end":1196.765,"sentiment":"neutral","sentiment_score":-0.051405428824099625},{"text":"It should I should have been a lot better off, obviously, which we all say that, but","start":1196.765,"end":1200.625,"sentiment":"neutral","sentiment_score":-0.032007706515929275}],"sentiment":"neutral","sentiment_score":-0.07610763981938362,"channel":1,"num_words":37,"start":1189.805,"end":1200.625},{"sentences":[{"text":"Yeah.","start":1200.485,"end":1200.805,"sentiment":"neutral","sentiment_score":0.012536611407995224}],"sentiment":"neutral","sentiment_score":0.012536611407995224,"channel":0,"num_words":1,"start":1200.485,"end":1200.805},{"sentences":[{"text":"it's","start":1200.685,"end":1200.925,"sentiment":"neutral","sentiment_score":0.004636300262063742}],"sentiment":"neutral","sentiment_score":0.004636300262063742,"channel":1,"num_words":1,"start":1200.685,"end":1200.925},{"sentences":[{"text":"Yeah.","start":1200.805,"end":1201.305,"sentiment":"neutral","sentiment_score":0.012460451573133469}],"sentiment":"neutral","sentiment_score":0.012460451573133469,"channel":0,"num_words":1,"start":1200.805,"end":1201.305},{"sentences":[{"text":"just one of those things that life is what it is.","start":1200.925,"end":1203.085,"sentiment":"neutral","sentiment_score":0.04914330623366616},{"text":"And, you know","start":1203.085,"end":1204.01,"sentiment":"neutral","sentiment_score":0.015138655280073484}],"sentiment":"neutral","sentiment_score":0.04185659531503916,"channel":1,"num_words":14,"start":1200.925,"end":1204.01},{"sentences":[{"text":"That's","start":1204.02,"end":1204.26,"sentiment":"neutral","sentiment_score":-0.0251547247171402}],"sentiment":"neutral","sentiment_score":-0.0251547247171402,"channel":0,"num_words":1,"start":1204.02,"end":1204.26},{"sentences":[{"text":"but I","start":1204.09,"end":1204.4099,"sentiment":"neutral","sentiment_score":-0.05055887624621391}],"sentiment":"neutral","sentiment_score":-0.05055887624621391,"channel":1,"num_words":2,"start":1204.09,"end":1204.4099},{"sentences":[{"text":"it.","start":1204.26,"end":1204.76,"sentiment":"neutral","sentiment_score":-0.03629053384065628}],"sentiment":"neutral","sentiment_score":-0.03629053384065628,"channel":0,"num_words":1,"start":1204.26,"end":1204.76},{"sentences":[{"text":"mean, I I'm","start":1204.4099,"end":1205.2899,"sentiment":"neutral","sentiment_score":-0.05417219176888466}],"sentiment":"neutral","sentiment_score":-0.05417219176888466,"channel":1,"num_words":3,"start":1204.4099,"end":1205.2899},{"sentences":[{"text":"Yeah.","start":1205.14,"end":1205.64,"sentiment":"neutral","sentiment_score":0.007883694022893906}],"sentiment":"neutral","sentiment_score":0.007883694022893906,"channel":0,"num_words":1,"start":1205.14,"end":1205.64},{"sentences":[{"text":"I'm not gonna be unhappy with what what we're working towards.","start":1205.2899,"end":1207.9299,"sentiment":"neutral","sentiment_score":-0.2017010853371837},{"text":"So","start":1207.9299,"end":1208.4299,"sentiment":"neutral","sentiment_score":-0.1195891797542572}],"sentiment":"neutral","sentiment_score":-0.1948584265386065,"channel":1,"num_words":12,"start":1205.2899,"end":1208.4299},{"sentences":[{"text":"No.","start":1208.5,"end":1208.9801,"sentiment":"neutral","sentiment_score":-0.27533411979675293},{"text":"No.","start":1208.9801,"end":1209.3,"sentiment":"neutral","sentiment_score":-0.27280521392822266},{"text":"Definitely","start":1209.3,"end":1209.8,"sentiment":"neutral","sentiment_score":-0.20024871826171875}],"sentiment":"neutral","sentiment_score":-0.2494626839955648,"channel":0,"num_words":3,"start":1208.5,"end":1209.8},{"sentences":[{"text":"yeah.","start":1209.46,"end":1209.96,"sentiment":"neutral","sentiment_score":-0.19969579577445984}],"sentiment":"neutral","sentiment_score":-0.19969579577445984,"channel":1,"num_words":1,"start":1209.46,"end":1209.96},{"sentences":[{"text":"not.","start":1210.02,"end":1210.42,"sentiment":"neutral","sentiment_score":-0.08750593662261963},{"text":"And, look, there's still plenty of time to to work towards it.","start":1210.42,"end":1213.38,"sentiment":"neutral","sentiment_score":0.23622983818252882},{"text":"And even when you go into this retirement years, your money remains invested.","start":1213.38,"end":1217.125,"sentiment":"neutral","sentiment_score":0.11585286976053165},{"text":"We look to draw down a pension and keep everything sort of still working harder for you.","start":1217.125,"end":1221.125,"sentiment":"neutral","sentiment_score":0.08308970928192139},{"text":"So","start":1221.125,"end":1221.625,"sentiment":"neutral","sentiment_score":0.14193277060985565}],"sentiment":"neutral","sentiment_score":0.13199539220129902,"channel":0,"num_words":44,"start":1210.02,"end":1221.625},{"sentences":[{"text":"Yes.","start":1222.065,"end":1222.565,"sentiment":"neutral","sentiment_score":0.23997998237609863}],"sentiment":"neutral","sentiment_score":0.23997998237609863,"channel":1,"num_words":1,"start":1222.065,"end":1222.565},{"sentences":[{"text":"it's just about,","start":1222.085,"end":1222.645,"sentiment":"neutral","sentiment_score":0.2302270233631134}],"sentiment":"neutral","sentiment_score":0.2302270233631134,"channel":0,"num_words":3,"start":1222.085,"end":1222.645},{"sentences":[{"text":"Yes.","start":1222.625,"end":1223.125,"sentiment":"neutral","sentiment_score":0.2195210307836533}],"sentiment":"neutral","sentiment_score":0.2195210307836533,"channel":1,"num_words":1,"start":1222.625,"end":1223.125},{"sentences":[{"text":"you know, creating that longevity and continuously altering and changing.","start":1222.645,"end":1226.085,"sentiment":"positive","sentiment_score":0.37569989264011383},{"text":"And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on.","start":1226.085,"end":1233.1699,"sentiment":"neutral","sentiment_score":0.11022975360011232},{"text":"You're going back into that full time work.","start":1233.23,"end":1234.99,"sentiment":"neutral","sentiment_score":0.10994630120694637},{"text":"But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR","start":1234.99,"end":1239.71,"sentiment":"neutral","sentiment_score":0.16793984331582723}],"sentiment":"neutral","sentiment_score":0.1670316547494043,"channel":0,"num_words":66,"start":1222.645,"end":1239.71},{"sentences":[{"text":"Yeah.","start":1239.51,"end":1239.75,"sentiment":"neutral","sentiment_score":0.14072132110595703}],"sentiment":"neutral","sentiment_score":0.14072132110595703,"channel":1,"num_words":1,"start":1239.51,"end":1239.75},{"sentences":[{"text":"strategy,","start":1239.71,"end":1240.21,"sentiment":"neutral","sentiment_score":0.1806902289390564}],"sentiment":"neutral","sentiment_score":0.1806902289390564,"channel":0,"num_words":1,"start":1239.71,"end":1240.21},{"sentences":[{"text":"Cool.","start":1239.75,"end":1240.25,"sentiment":"neutral","sentiment_score":0.30723121762275696},{"text":"That's","start":1240.39,"end":1240.71,"sentiment":"neutral","sentiment_score":0.1537671983242035}],"sentiment":"neutral","sentiment_score":0.23049920797348022,"channel":1,"num_words":2,"start":1239.75,"end":1240.71},{"sentences":[{"text":"add","start":1240.525,"end":1240.765,"sentiment":"neutral","sentiment_score":0.12989568710327148}],"sentiment":"neutral","sentiment_score":0.12989568710327148,"channel":0,"num_words":1,"start":1240.525,"end":1240.765},{"sentences":[{"text":"all.","start":1240.71,"end":1241.21,"sentiment":"neutral","sentiment_score":0.1254093497991562}],"sentiment":"neutral","sentiment_score":0.1254093497991562,"channel":1,"num_words":1,"start":1240.71,"end":1241.21},{"sentences":[{"text":"additional contributions.","start":1240.765,"end":1241.745,"sentiment":"neutral","sentiment_score":0.07427853718400002},{"text":"Everything in the advice world is liquid.","start":1241.965,"end":1244.285,"sentiment":"neutral","sentiment_score":0.11162222815411431},{"text":"We can be moving things back and forth and altering the advice as","start":1244.285,"end":1247.325,"sentiment":"neutral","sentiment_score":0.1837693200661586}],"sentiment":"neutral","sentiment_score":0.1508597196503119,"channel":0,"num_words":22,"start":1240.765,"end":1247.325},{"sentences":[{"text":"Yep.","start":1247.205,"end":1247.705,"sentiment":"neutral","sentiment_score":0.11210277676582336}],"sentiment":"neutral","sentiment_score":0.11210277676582336,"channel":1,"num_words":1,"start":1247.205,"end":1247.705},{"sentences":[{"text":"we need to.","start":1247.325,"end":1248.045,"sentiment":"neutral","sentiment_score":0.10209937890370686},{"text":"So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself.","start":1248.045,"end":1263.05,"sentiment":"positive","sentiment_score":0.40042273904763015},{"text":"So,","start":1263.27,"end":1263.77,"sentiment":"neutral","sentiment_score":0.11099226772785188}],"sentiment":"positive","sentiment_score":0.3788881835612384,"channel":0,"num_words":55,"start":1247.325,"end":1263.77},{"sentences":[{"text":"Yeah.","start":1263.84,"end":1264.24,"sentiment":"neutral","sentiment_score":0.13366517424583435}],"sentiment":"neutral","sentiment_score":0.13366517424583435,"channel":1,"num_words":1,"start":1263.84,"end":1264.24},{"sentences":[{"text":"yeah,","start":1264.2301,"end":1264.7301,"sentiment":"neutral","sentiment_score":0.1071586161851883}],"sentiment":"neutral","sentiment_score":0.1071586161851883,"channel":0,"num_words":1,"start":1264.2301,"end":1264.7301},{"sentences":[{"text":"Yeah.","start":1264.24,"end":1264.48,"sentiment":"neutral","sentiment_score":0.11525602638721466},{"text":"That's right.","start":1264.48,"end":1264.9601,"sentiment":"neutral","sentiment_score":0.18246358633041382},{"text":"Yeah.","start":1264.9601,"end":1265.4601,"sentiment":"neutral","sentiment_score":0.2348197251558304}],"sentiment":"neutral","sentiment_score":0.17875073105096817,"channel":1,"num_words":4,"start":1264.24,"end":1265.4601},{"sentences":[{"text":"doing well.","start":1265.03,"end":1265.8501,"sentiment":"positive","sentiment_score":0.34096379578113556}],"sentiment":"positive","sentiment_score":0.34096379578113556,"channel":0,"num_words":2,"start":1265.03,"end":1265.8501},{"sentences":[{"text":"That's why I take","start":1267.12,"end":1268.0,"sentiment":"neutral","sentiment_score":0.1125453095883131}],"sentiment":"neutral","sentiment_score":0.1125453095883131,"channel":1,"num_words":4,"start":1267.12,"end":1268.0},{"sentences":[{"text":"All","start":1267.8301,"end":1268.2301,"sentiment":"neutral","sentiment_score":0.050067394971847534}],"sentiment":"neutral","sentiment_score":0.050067394971847534,"channel":0,"num_words":1,"start":1267.8301,"end":1268.2301},{"sentences":[{"text":"a take","start":1268.0,"end":1268.3201,"sentiment":"neutral","sentiment_score":0.08463568612933159}],"sentiment":"neutral","sentiment_score":0.08463568612933159,"channel":1,"num_words":2,"start":1268.0,"end":1268.3201},{"sentences":[{"text":"good.","start":1268.2301,"end":1268.7301,"sentiment":"neutral","sentiment_score":0.11677981913089752}],"sentiment":"neutral","sentiment_score":0.11677981913089752,"channel":0,"num_words":1,"start":1268.2301,"end":1268.7301},{"sentences":[{"text":"a bit of money.","start":1268.3201,"end":1269.22,"sentiment":"neutral","sentiment_score":-0.025267474353313446}],"sentiment":"neutral","sentiment_score":-0.025267474353313446,"channel":1,"num_words":4,"start":1268.3201,"end":1269.22},{"sentences":[{"text":"That's it.","start":1270.0349,"end":1270.835,"sentiment":"neutral","sentiment_score":-0.09082169085741043},{"text":"That's it.","start":1270.835,"end":1271.6549,"sentiment":"neutral","sentiment_score":-0.064811572432518}],"sentiment":"neutral","sentiment_score":-0.07781663164496422,"channel":0,"num_words":4,"start":1270.0349,"end":1271.6549},{"sentences":[{"text":"Yeah.","start":1271.28,"end":1271.78,"sentiment":"neutral","sentiment_score":0.009429488331079485}],"sentiment":"neutral","sentiment_score":0.009429488331079485,"channel":1,"num_words":1,"start":1271.28,"end":1271.78},{"sentences":[{"text":"If you scroll down to page 25 there, Colin,","start":1272.355,"end":1275.335,"sentiment":"neutral","sentiment_score":0.01830146358244949}],"sentiment":"neutral","sentiment_score":0.01830146358244949,"channel":0,"num_words":9,"start":1272.355,"end":1275.335},{"sentences":[{"text":"Yep.","start":1275.6,"end":1276.035,"sentiment":"neutral","sentiment_score":0.016311002895236015}],"sentiment":"neutral","sentiment_score":0.016311002895236015,"channel":1,"num_words":1,"start":1275.6,"end":1276.035},{"sentences":[{"text":"you'll see that we've got the insurance side of things.","start":1276.115,"end":1278.5149,"sentiment":"neutral","sentiment_score":-0.015664069168269634},{"text":"So we did give you all those different quotes that had a bit of a chat about the insurance side of things.","start":1278.5149,"end":1282.9149,"sentiment":"neutral","sentiment_score":0.009143037890846079},{"text":"So at the moment, you do have your life and TPD covered there.","start":1282.9149,"end":1286.56,"sentiment":"neutral","sentiment_score":-0.02906908610692391},{"text":"You are happy just to cancel the TPD.","start":1286.56,"end":1288.5801,"sentiment":"neutral","sentiment_score":-0.15369813330471516},{"text":"It is the largest portion of the cost of your cover.","start":1288.64,"end":1291.7001,"sentiment":"neutral","sentiment_score":-0.11738487129861658}],"sentiment":"neutral","sentiment_score":-0.04459704106557183,"channel":0,"num_words":64,"start":1276.115,"end":1291.7001},{"sentences":[{"text":"And, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off.","start":1292.16,"end":1297.8401,"sentiment":"neutral","sentiment_score":0.029779739766603426},{"text":"Your super balance does that, and then does also provide additional cover and carrier's still working as","start":1297.8401,"end":1303.8151,"sentiment":"neutral","sentiment_score":0.12544804088333072}],"sentiment":"neutral","sentiment_score":0.07257871658198144,"channel":0,"num_words":38,"start":1292.16,"end":1303.8151},{"sentences":[{"text":"Yes.","start":1303.7899,"end":1304.2899,"sentiment":"neutral","sentiment_score":0.0872466117143631}],"sentiment":"neutral","sentiment_score":0.0872466117143631,"channel":1,"num_words":1,"start":1303.7899,"end":1304.2899},{"sentences":[{"text":"well.","start":1303.8151,"end":1304.055,"sentiment":"neutral","sentiment_score":0.12970590591430664},{"text":"So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal.","start":1304.055,"end":1315.8899,"sentiment":"positive","sentiment_score":0.4117536878382618},{"text":"And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you.","start":1315.8899,"end":1323.35,"sentiment":"neutral","sentiment_score":-0.02825017850846052},{"text":"You are comfortable with reducing your life cover down to the $300,000","start":1324.61,"end":1328.61,"sentiment":"neutral","sentiment_score":0.17528670467436314}],"sentiment":"neutral","sentiment_score":0.22417015254754444,"channel":0,"num_words":87,"start":1303.8151,"end":1328.61},{"sentences":[{"text":"Yep.","start":1328.46,"end":1328.86,"sentiment":"neutral","sentiment_score":0.1829753965139389}],"sentiment":"neutral","sentiment_score":0.1829753965139389,"channel":1,"num_words":1,"start":1328.46,"end":1328.86},{"sentences":[{"text":"mark.","start":1328.61,"end":1329.045,"sentiment":"neutral","sentiment_score":0.15413589775562286}],"sentiment":"neutral","sentiment_score":0.15413589775562286,"channel":0,"num_words":1,"start":1328.61,"end":1329.045},{"sentences":[{"text":"Yeah.","start":1328.86,"end":1329.1,"sentiment":"neutral","sentiment_score":0.08297128975391388},{"text":"Yeah.","start":1329.1,"end":1329.26,"sentiment":"neutral","sentiment_score":0.06561852991580963},{"text":"Yeah.","start":1329.26,"end":1329.5,"sentiment":"neutral","sentiment_score":0.050356004387140274}],"sentiment":"neutral","sentiment_score":0.06631527468562126,"channel":1,"num_words":3,"start":1328.86,"end":1329.5},{"sentences":[{"text":"Just","start":1329.285,"end":1329.525,"sentiment":"neutral","sentiment_score":0.04814736172556877}],"sentiment":"neutral","sentiment_score":0.04814736172556877,"channel":0,"num_words":1,"start":1329.285,"end":1329.525},{"sentences":[{"text":"Yeah.","start":1329.5,"end":1329.9,"sentiment":"neutral","sentiment_score":0.031606826931238174}],"sentiment":"neutral","sentiment_score":0.031606826931238174,"channel":1,"num_words":1,"start":1329.5,"end":1329.9},{"sentences":[{"text":"making sure","start":1329.525,"end":1330.005,"sentiment":"neutral","sentiment_score":0.013746217358857393}],"sentiment":"neutral","sentiment_score":0.013746217358857393,"channel":0,"num_words":2,"start":1329.525,"end":1330.005},{"sentences":[{"text":"No.","start":1329.9,"end":1330.06,"sentiment":"neutral","sentiment_score":-0.0185488760471344}],"sentiment":"neutral","sentiment_score":-0.0185488760471344,"channel":1,"num_words":1,"start":1329.9,"end":1330.06},{"sentences":[{"text":"that","start":1330.005,"end":1330.245,"sentiment":"neutral","sentiment_score":-0.007882276549935341}],"sentiment":"neutral","sentiment_score":-0.007882276549935341,"channel":0,"num_words":1,"start":1330.005,"end":1330.245},{"sentences":[{"text":"That's","start":1330.06,"end":1330.38,"sentiment":"neutral","sentiment_score":0.03956250846385956}],"sentiment":"neutral","sentiment_score":0.03956250846385956,"channel":1,"num_words":1,"start":1330.06,"end":1330.38},{"sentences":[{"text":"if anything","start":1330.245,"end":1330.7251,"sentiment":"neutral","sentiment_score":0.08447350934147835}],"sentiment":"neutral","sentiment_score":0.08447350934147835,"channel":0,"num_words":2,"start":1330.245,"end":1330.7251},{"sentences":[{"text":"fine.","start":1330.38,"end":1330.725,"sentiment":"neutral","sentiment_score":0.0947616845369339}],"sentiment":"neutral","sentiment_score":0.0947616845369339,"channel":1,"num_words":1,"start":1330.38,"end":1330.725},{"sentences":[{"text":"happens, yeah, that pays off the mortgage.","start":1330.7251,"end":1333.0651,"sentiment":"neutral","sentiment_score":0.09681770311934608},{"text":"That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do","start":1333.4451,"end":1342.885,"sentiment":"neutral","sentiment_score":0.13549856139080865}],"sentiment":"neutral","sentiment_score":0.1290517516788982,"channel":0,"num_words":42,"start":1330.7251,"end":1342.885},{"sentences":[{"text":"Yep.","start":1342.8049,"end":1343.125,"sentiment":"neutral","sentiment_score":0.0893881544470787}],"sentiment":"neutral","sentiment_score":0.0893881544470787,"channel":1,"num_words":1,"start":1342.8049,"end":1343.125},{"sentences":[{"text":"moving","start":1342.885,"end":1343.125,"sentiment":"neutral","sentiment_score":0.08259183168411255}],"sentiment":"neutral","sentiment_score":0.08259183168411255,"channel":0,"num_words":1,"start":1342.885,"end":1343.125},{"sentences":[{"text":"Yeah.","start":1343.125,"end":1343.285,"sentiment":"neutral","sentiment_score":0.05582786351442337}],"sentiment":"neutral","sentiment_score":0.05582786351442337,"channel":1,"num_words":1,"start":1343.125,"end":1343.285},{"sentences":[{"text":"forward","start":1343.125,"end":1343.4451,"sentiment":"neutral","sentiment_score":0.11993879079818726}],"sentiment":"neutral","sentiment_score":0.11993879079818726,"channel":0,"num_words":1,"start":1343.125,"end":1343.4451},{"sentences":[{"text":"Yeah.","start":1343.285,"end":1343.605,"sentiment":"neutral","sentiment_score":0.01514096651226282}],"sentiment":"neutral","sentiment_score":0.01514096651226282,"channel":1,"num_words":1,"start":1343.285,"end":1343.605},{"sentences":[{"text":"as","start":1343.4451,"end":1343.6051,"sentiment":"neutral","sentiment_score":-0.019354183226823807}],"sentiment":"neutral","sentiment_score":-0.019354183226823807,"channel":0,"num_words":1,"start":1343.4451,"end":1343.6051},{"sentences":[{"text":"No.","start":1343.605,"end":1343.765,"sentiment":"neutral","sentiment_score":-0.08668531477451324}],"sentiment":"neutral","sentiment_score":-0.08668531477451324,"channel":1,"num_words":1,"start":1343.605,"end":1343.765},{"sentences":[{"text":"well.","start":1343.6051,"end":1344.1051,"sentiment":"neutral","sentiment_score":-0.05510687083005905}],"sentiment":"neutral","sentiment_score":-0.05510687083005905,"channel":0,"num_words":1,"start":1343.6051,"end":1344.1051},{"sentences":[{"text":"That's right.","start":1343.765,"end":1344.405,"sentiment":"neutral","sentiment_score":0.04088118299841881},{"text":"Yeah.","start":1344.405,"end":1344.905,"sentiment":"neutral","sentiment_score":0.08821352571249008}],"sentiment":"neutral","sentiment_score":0.0566586305697759,"channel":1,"num_words":3,"start":1343.765,"end":1344.905},{"sentences":[{"text":"So yeah.","start":1345.16,"end":1345.7999,"sentiment":"neutral","sentiment_score":0.16471216082572937},{"text":"Absolutely.","start":1345.7999,"end":1346.2999,"sentiment":"neutral","sentiment_score":0.2997250556945801},{"text":"Yeah.","start":1348.2,"end":1348.6799,"sentiment":"neutral","sentiment_score":0.25607413053512573},{"text":"So that does actually reduce your insurance payments quite drastically.","start":1348.6799,"end":1352.2999,"sentiment":"neutral","sentiment_score":0.2421457588672638},{"text":"We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00.","start":1352.36,"end":1363.6749,"sentiment":"neutral","sentiment_score":0.14823289085989413}],"sentiment":"neutral","sentiment_score":0.18151452936030724,"channel":0,"num_words":37,"start":1345.16,"end":1363.6749},{"sentences":[{"text":"So it is a huge difference.","start":1363.6749,"end":1365.595,"sentiment":"positive","sentiment_score":0.5326960384845734},{"text":"It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily.","start":1365.595,"end":1371.615,"sentiment":"positive","sentiment_score":0.3512818142771721},{"text":"So that's 8,558 that stays in your super working harder for you.","start":1371.755,"end":1377.89,"sentiment":"neutral","sentiment_score":0.2011179973681768},{"text":"Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover.","start":1378.19,"end":1390.645,"sentiment":"neutral","sentiment_score":0.0027835904978788816},{"text":"The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that.","start":1390.945,"end":1397.825,"sentiment":"neutral","sentiment_score":0.050999049299761005}],"sentiment":"neutral","sentiment_score":0.13483880632271877,"channel":0,"num_words":98,"start":1363.6749,"end":1397.825},{"sentences":[{"text":"So you do get","start":1397.825,"end":1398.465,"sentiment":"neutral","sentiment_score":0.09302101098001003}],"sentiment":"neutral","sentiment_score":0.09302101098001003,"channel":0,"num_words":4,"start":1397.825,"end":1398.465},{"sentences":[{"text":"Yeah.","start":1398.3949,"end":1398.715,"sentiment":"neutral","sentiment_score":0.04478216916322708}],"sentiment":"neutral","sentiment_score":0.04478216916322708,"channel":1,"num_words":1,"start":1398.3949,"end":1398.715},{"sentences":[{"text":"a refund","start":1398.465,"end":1398.945,"sentiment":"neutral","sentiment_score":0.051385628059506416}],"sentiment":"neutral","sentiment_score":0.051385628059506416,"channel":0,"num_words":2,"start":1398.465,"end":1398.945},{"sentences":[{"text":"Gotcha.","start":1398.715,"end":1399.215,"sentiment":"neutral","sentiment_score":0.017779245972633362}],"sentiment":"neutral","sentiment_score":0.017779245972633362,"channel":1,"num_words":1,"start":1398.715,"end":1399.215},{"sentences":[{"text":"if it does go through renewal.","start":1398.945,"end":1400.405,"sentiment":"neutral","sentiment_score":0.01359908034404119},{"text":"Okay.","start":1400.625,"end":1401.125,"sentiment":"neutral","sentiment_score":0.04687899351119995}],"sentiment":"neutral","sentiment_score":0.018353353653635298,"channel":0,"num_words":7,"start":1398.945,"end":1401.125},{"sentences":[{"text":"Yeah.","start":1401.07,"end":1401.57,"sentiment":"neutral","sentiment_score":0.05062045156955719}],"sentiment":"neutral","sentiment_score":0.05062045156955719,"channel":1,"num_words":1,"start":1401.07,"end":1401.57},{"sentences":[{"text":"Yeah.","start":1401.42,"end":1401.92,"sentiment":"neutral","sentiment_score":0.06170487403869629}],"sentiment":"neutral","sentiment_score":0.06170487403869629,"channel":0,"num_words":1,"start":1401.42,"end":1401.92},{"sentences":[{"text":"Right.","start":1401.63,"end":1401.87,"sentiment":"neutral","sentiment_score":0.09232453256845474},{"text":"Yeah.","start":1401.87,"end":1402.37,"sentiment":"neutral","sentiment_score":0.11941636353731155},{"text":"Yep.","start":1402.4299,"end":1402.9299,"sentiment":"neutral","sentiment_score":0.2618992030620575}],"sentiment":"neutral","sentiment_score":0.15788003305594125,"channel":1,"num_words":3,"start":1401.63,"end":1402.9299},{"sentences":[{"text":"Fantastic.","start":1402.9401,"end":1403.4401,"sentiment":"positive","sentiment_score":0.5658504962921143}],"sentiment":"positive","sentiment_score":0.5658504962921143,"channel":0,"num_words":1,"start":1402.9401,"end":1403.4401},{"sentences":[{"text":"Yep.","start":1404.03,"end":1404.53,"sentiment":"positive","sentiment_score":0.38673385977745056}],"sentiment":"positive","sentiment_score":0.38673385977745056,"channel":1,"num_words":1,"start":1404.03,"end":1404.53},{"sentences":[{"text":"As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here.","start":1404.54,"end":1413.195,"sentiment":"neutral","sentiment_score":0.2749169012531638},{"text":"And that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you.","start":1413.2749,"end":1423.9149,"sentiment":"neutral","sentiment_score":0.2923187996084626},{"text":"It's really important that any recommendations we make are in your best interest in working for your goals.","start":1423.9149,"end":1428.81,"sentiment":"neutral","sentiment_score":0.32578279078006744},{"text":"Okay?","start":1429.05,"end":1429.55,"sentiment":"neutral","sentiment_score":0.1388995200395584}],"sentiment":"neutral","sentiment_score":0.291092342951081,"channel":0,"num_words":88,"start":1404.54,"end":1429.55},{"sentences":[{"text":"Mhmm.","start":1430.2999,"end":1430.7999,"sentiment":"neutral","sentiment_score":0.07425322383642197},{"text":"Yep.","start":1430.86,"end":1431.36,"sentiment":"neutral","sentiment_score":0.15526999533176422}],"sentiment":"neutral","sentiment_score":0.1147616095840931,"channel":1,"num_words":2,"start":1430.2999,"end":1431.36},{"sentences":[{"text":"Perfect.","start":1431.3701,"end":1431.8701,"sentiment":"neutral","sentiment_score":0.027216080576181412},{"text":"You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well.","start":1432.25,"end":1439.6101,"sentiment":"neutral","sentiment_score":-0.000312893669335888},{"text":"So I'll let you sort of run your eyes over those a bit later.","start":1439.6101,"end":1442.695,"sentiment":"neutral","sentiment_score":0.09668204560875893},{"text":"They are a bit arduous, so take some time to read them over.","start":1442.695,"end":1445.9149,"sentiment":"neutral","sentiment_score":-0.01067465772995582},{"text":"And feel free to let me know if you do happen to have any questions there.","start":1446.135,"end":1449.6549,"sentiment":"neutral","sentiment_score":0.1744089531712234}],"sentiment":"neutral","sentiment_score":0.057491459770660315,"channel":0,"num_words":70,"start":1431.3701,"end":1449.6549},{"sentences":[{"text":"Okay?","start":1449.6549,"end":1450.1549,"sentiment":"neutral","sentiment_score":0.09224902093410492}],"sentiment":"neutral","sentiment_score":0.09224902093410492,"channel":0,"num_words":1,"start":1449.6549,"end":1450.1549},{"sentences":[{"text":"Yep.","start":1450.7251,"end":1451.125,"sentiment":"neutral","sentiment_score":0.12199269980192184},{"text":"Yep.","start":1451.125,"end":1451.4451,"sentiment":"neutral","sentiment_score":0.16012386977672577},{"text":"Not a problem.","start":1451.4451,"end":1452.18,"sentiment":"positive","sentiment_score":0.4493019680182139}],"sentiment":"neutral","sentiment_score":0.3260044947266579,"channel":1,"num_words":5,"start":1450.7251,"end":1452.18},{"sentences":[{"text":"Excellent.","start":1452.135,"end":1452.635,"sentiment":"positive","sentiment_score":0.7337254285812378},{"text":"The next side of things is that transition to retirement side.","start":1454.18,"end":1457.8,"sentiment":"neutral","sentiment_score":0.2693134586919438},{"text":"If you go down to page number 30 for me, I'll take you through this one.","start":1458.1,"end":1462.44,"sentiment":"neutral","sentiment_score":0.14739383989945054}],"sentiment":"neutral","sentiment_score":0.21623124687799386,"channel":0,"num_words":28,"start":1452.135,"end":1462.44},{"sentences":[{"text":"Yep.","start":1463.2201,"end":1463.7201,"sentiment":"positive","sentiment_score":0.35364145040512085}],"sentiment":"positive","sentiment_score":0.35364145040512085,"channel":1,"num_words":1,"start":1463.2201,"end":1463.7201},{"sentences":[{"text":"Beautiful.","start":1464.5,"end":1465.0,"sentiment":"positive","sentiment_score":0.5943088531494141},{"text":"So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you.","start":1465.78,"end":1476.835,"sentiment":"neutral","sentiment_score":0.3025376809140046},{"text":"You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there.","start":1477.215,"end":1492.58,"sentiment":"neutral","sentiment_score":0.04747917904303624},{"text":"So,","start":1493.0399,"end":1493.2,"sentiment":"neutral","sentiment_score":0.1600976288318634}],"sentiment":"neutral","sentiment_score":0.156829781168037,"channel":0,"num_words":90,"start":1464.5,"end":1493.2},{"sentences":[{"text":"Yep.","start":1493.04,"end":1493.355,"sentiment":"neutral","sentiment_score":0.13240331411361694}],"sentiment":"neutral","sentiment_score":0.13240331411361694,"channel":1,"num_words":1,"start":1493.04,"end":1493.355},{"sentences":[{"text":"essentially, looking at pre disability income.","start":1493.2,"end":1495.44,"sentiment":"neutral","sentiment_score":0.09613215364515781},{"text":"So with the payslip, we were able to go back and have a really good look.","start":1495.44,"end":1498.695,"sentiment":"positive","sentiment_score":0.3854545643553138},{"text":"Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there.","start":1499.815,"end":1519.57,"sentiment":"neutral","sentiment_score":0.21074431056671955}],"sentiment":"neutral","sentiment_score":0.24129055866944618,"channel":0,"num_words":69,"start":1493.2,"end":1519.57},{"sentences":[{"text":"Mhmm.","start":1520.2001,"end":1520.7001,"sentiment":"neutral","sentiment_score":0.047908514738082886}],"sentiment":"neutral","sentiment_score":0.047908514738082886,"channel":1,"num_words":1,"start":1520.2001,"end":1520.7001},{"sentences":[{"text":"To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off.","start":1520.9099,"end":1527.1357,"sentiment":"neutral","sentiment_score":-0.011692317790890994},{"text":"So we've looked at a as well.","start":1527.1357,"end":1530.605,"sentiment":"neutral","sentiment_score":-0.030856223244752203}],"sentiment":"neutral","sentiment_score":-0.014673369750380517,"channel":0,"num_words":45,"start":1520.9099,"end":1530.605},{"sentences":[{"text":"Yes,","start":1530.545,"end":1530.785,"sentiment":"neutral","sentiment_score":0.010035037994384766}],"sentiment":"neutral","sentiment_score":0.010035037994384766,"channel":1,"num_words":1,"start":1530.545,"end":1530.785},{"sentences":[{"text":"We've","start":1530.605,"end":1530.8049,"sentiment":"neutral","sentiment_score":-0.03850722685456276}],"sentiment":"neutral","sentiment_score":-0.03850722685456276,"channel":0,"num_words":1,"start":1530.605,"end":1530.8049},{"sentences":[{"text":"ma'am.","start":1530.785,"end":1531.285,"sentiment":"neutral","sentiment_score":-0.04373146593570709}],"sentiment":"neutral","sentiment_score":-0.04373146593570709,"channel":1,"num_words":1,"start":1530.785,"end":1531.285},{"sentences":[{"text":"sort of had to minus those off.","start":1530.8049,"end":1532.445,"sentiment":"neutral","sentiment_score":-0.0853776942406382},{"text":"So we've looked at, essentially, what your income was.","start":1532.445,"end":1536.105,"sentiment":"neutral","sentiment_score":-0.039183766684598394},{"text":"So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there.","start":1536.205,"end":1546.1,"sentiment":"neutral","sentiment_score":-0.060401949370580334},{"text":"So that's just","start":1546.1,"end":1546.82,"sentiment":"neutral","sentiment_score":-0.00355297497784098}],"sentiment":"neutral","sentiment_score":-0.05666834230534732,"channel":0,"num_words":50,"start":1530.8049,"end":1546.82},{"sentences":[{"text":"Yep.","start":1546.71,"end":1547.19,"sentiment":"neutral","sentiment_score":0.00843090657144785}],"sentiment":"neutral","sentiment_score":0.00843090657144785,"channel":1,"num_words":1,"start":1546.71,"end":1547.19},{"sentences":[{"text":"the current","start":1546.82,"end":1547.3799,"sentiment":"neutral","sentiment_score":-0.020230598747730255}],"sentiment":"neutral","sentiment_score":-0.020230598747730255,"channel":0,"num_words":2,"start":1546.82,"end":1547.3799},{"sentences":[{"text":"Yep.","start":1547.19,"end":1547.69,"sentiment":"neutral","sentiment_score":-0.00014640577137470243}],"sentiment":"neutral","sentiment_score":-0.00014640577137470243,"channel":1,"num_words":1,"start":1547.19,"end":1547.69},{"sentences":[{"text":"position.","start":1547.3799,"end":1547.86,"sentiment":"neutral","sentiment_score":-0.02803090214729309},{"text":"We're sort of not really worried about that at the moment because we're working on the proposed side of things.","start":1547.86,"end":1552.2799,"sentiment":"neutral","sentiment_score":0.0259447880089283}],"sentiment":"neutral","sentiment_score":0.023374517049108232,"channel":0,"num_words":21,"start":1547.3799,"end":1552.2799},{"sentences":[{"text":"Yeah.","start":1552.71,"end":1552.95,"sentiment":"neutral","sentiment_score":0.15349996089935303},{"text":"Yeah.","start":1552.95,"end":1553.0299,"sentiment":"neutral","sentiment_score":0.14088232815265656},{"text":"Yeah.","start":1553.0299,"end":1553.19,"sentiment":"neutral","sentiment_score":0.13849982619285583}],"sentiment":"neutral","sentiment_score":0.14429403841495514,"channel":1,"num_words":3,"start":1552.71,"end":1553.19},{"sentences":[{"text":"But,","start":1553.0599,"end":1553.22,"sentiment":"neutral","sentiment_score":0.11990684270858765}],"sentiment":"neutral","sentiment_score":0.11990684270858765,"channel":0,"num_words":1,"start":1553.0599,"end":1553.22},{"sentences":[{"text":"Yeah.","start":1553.19,"end":1553.69,"sentiment":"neutral","sentiment_score":0.1447243690490723}],"sentiment":"neutral","sentiment_score":0.1447243690490723,"channel":1,"num_words":1,"start":1553.19,"end":1553.69},{"sentences":[{"text":"essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice.","start":1553.22,"end":1560.4349,"sentiment":"neutral","sentiment_score":0.10179463686311946},{"text":"So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was.","start":1560.4349,"end":1571.06,"sentiment":"neutral","sentiment_score":0.1701147887975939},{"text":"So we were able to look at your base salary is about $75,006.55 pre disability.","start":1571.06,"end":1577.2401,"sentiment":"neutral","sentiment_score":0.19409685631593068}],"sentiment":"neutral","sentiment_score":0.1573892083196413,"channel":0,"num_words":63,"start":1553.22,"end":1577.2401},{"sentences":[{"text":"Mhmm.","start":1577.2101,"end":1577.7101,"sentiment":"neutral","sentiment_score":0.1097649186849594}],"sentiment":"neutral","sentiment_score":0.1097649186849594,"channel":1,"num_words":1,"start":1577.2101,"end":1577.7101},{"sentences":[{"text":"You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis.","start":1577.9401,"end":1585.405,"sentiment":"neutral","sentiment_score":0.17217123467061254},{"text":"We're gonna increase those up to $15,007.03 9.","start":1585.945,"end":1589.785,"sentiment":"neutral","sentiment_score":0.18474984169006348},{"text":"So it works out from a $100 per week.","start":1589.785,"end":1592.4249,"sentiment":"neutral","sentiment_score":0.2659587777323193},{"text":"We increase your salary sacrifice to $302.67 per week.","start":1592.4249,"end":1597.02,"sentiment":"neutral","sentiment_score":0.3114491336875492},{"text":"And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income.","start":1597.8201,"end":1607.26,"sentiment":"neutral","sentiment_score":0.2070692536731561}],"sentiment":"neutral","sentiment_score":0.2160247266292572,"channel":0,"num_words":74,"start":1577.9401,"end":1607.26},{"sentences":[{"text":"So we keep minusing those off, and that gives us your net employment income of about $32,008.07 3.","start":1607.26,"end":1614.735,"sentiment":"neutral","sentiment_score":0.21793157110611597},{"text":"To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works","start":1615.355,"end":1628.13,"sentiment":"neutral","sentiment_score":0.18220502678304912}],"sentiment":"neutral","sentiment_score":0.19329257502124228,"channel":0,"num_words":58,"start":1607.26,"end":1628.13},{"sentences":[{"text":"Mhmm.","start":1628.05,"end":1628.55,"sentiment":"neutral","sentiment_score":0.13525350391864777}],"sentiment":"neutral","sentiment_score":0.13525350391864777,"channel":1,"num_words":1,"start":1628.05,"end":1628.55},{"sentences":[{"text":"out to be about a $143.65 per week.","start":1628.13,"end":1631.75,"sentiment":"neutral","sentiment_score":0.1911671832203865},{"text":"And that brings you back to the $40,003.43, which is the net take home pay based on all of the above.","start":1631.81,"end":1638.4249,"sentiment":"neutral","sentiment_score":0.25256984148706707},{"text":"Does that make","start":1638.485,"end":1639.125,"sentiment":"neutral","sentiment_score":0.14563605189323425}],"sentiment":"neutral","sentiment_score":0.2271941341459751,"channel":0,"num_words":32,"start":1628.13,"end":1639.125},{"sentences":[{"text":"Right.","start":1639.045,"end":1639.545,"sentiment":"neutral","sentiment_score":0.09189192950725555}],"sentiment":"neutral","sentiment_score":0.09189192950725555,"channel":1,"num_words":1,"start":1639.045,"end":1639.545},{"sentences":[{"text":"sense?","start":1639.125,"end":1639.625,"sentiment":"neutral","sentiment_score":0.06951847672462463}],"sentiment":"neutral","sentiment_score":0.06951847672462463,"channel":0,"num_words":1,"start":1639.125,"end":1639.625},{"sentences":[{"text":"Yeah.","start":1640.165,"end":1640.405,"sentiment":"neutral","sentiment_score":0.08758708834648132},{"text":"Yeah.","start":1640.405,"end":1640.645,"sentiment":"neutral","sentiment_score":0.09684272110462187},{"text":"Yeah.","start":1640.645,"end":1640.885,"sentiment":"neutral","sentiment_score":0.10566255450248718},{"text":"Yep.","start":1640.885,"end":1641.385,"sentiment":"neutral","sentiment_score":0.1189294010400772}],"sentiment":"neutral","sentiment_score":0.1022554412484169,"channel":1,"num_words":4,"start":1640.165,"end":1641.385},{"sentences":[{"text":"It's a lot","start":1641.365,"end":1641.9249,"sentiment":"neutral","sentiment_score":0.034097270419200264}],"sentiment":"neutral","sentiment_score":0.034097270419200264,"channel":0,"num_words":3,"start":1641.365,"end":1641.9249},{"sentences":[{"text":"Yep.","start":1641.845,"end":1642.345,"sentiment":"neutral","sentiment_score":0.00831984169781208}],"sentiment":"neutral","sentiment_score":0.00831984169781208,"channel":1,"num_words":1,"start":1641.845,"end":1642.345},{"sentences":[{"text":"of math.","start":1641.9249,"end":1642.325,"sentiment":"neutral","sentiment_score":-0.04901885613799095},{"text":"I'm so sorry.","start":1642.325,"end":1643.225,"sentiment":"neutral","sentiment_score":-0.18007073799769083}],"sentiment":"neutral","sentiment_score":-0.12764998525381088,"channel":0,"num_words":5,"start":1641.9249,"end":1643.225},{"sentences":[{"text":"No.","start":1645.765,"end":1645.925,"sentiment":"neutral","sentiment_score":-0.2559708058834076},{"text":"No.","start":1645.925,"end":1646.085,"sentiment":"neutral","sentiment_score":-0.2711549997329712},{"text":"That's the way it is.","start":1646.085,"end":1646.965,"sentiment":"neutral","sentiment_score":-0.10275636613368988},{"text":"It's it it all looks good.","start":1646.965,"end":1648.9299,"sentiment":"neutral","sentiment_score":0.2974170545736949},{"text":"Like, you know,","start":1648.9299,"end":1649.83,"sentiment":"neutral","sentiment_score":0.045026818911234535}],"sentiment":"neutral","sentiment_score":0.05491719674319029,"channel":1,"num_words":16,"start":1645.765,"end":1649.83},{"sentences":[{"text":"Yep.","start":1649.7,"end":1650.2,"sentiment":"neutral","sentiment_score":0.01873280666768551}],"sentiment":"neutral","sentiment_score":0.01873280666768551,"channel":0,"num_words":1,"start":1649.7,"end":1650.2},{"sentences":[{"text":"I mean, if it's","start":1649.89,"end":1650.45,"sentiment":"neutral","sentiment_score":-0.06801990140229464}],"sentiment":"neutral","sentiment_score":-0.06801990140229464,"channel":1,"num_words":4,"start":1649.89,"end":1650.45},{"sentences":[{"text":"Yep.","start":1650.5,"end":1651.0,"sentiment":"neutral","sentiment_score":-0.08690808713436127}],"sentiment":"neutral","sentiment_score":-0.08690808713436127,"channel":0,"num_words":1,"start":1650.5,"end":1651.0},{"sentences":[{"text":"as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem.","start":1650.61,"end":1657.2699,"sentiment":"neutral","sentiment_score":-0.2838171860575676},{"text":"You know?","start":1658.69,"end":1659.25,"sentiment":"neutral","sentiment_score":-0.1991995871067047},{"text":"And","start":1659.25,"end":1659.75,"sentiment":"neutral","sentiment_score":-0.13681697845458984}],"sentiment":"neutral","sentiment_score":-0.2725230644323996,"channel":1,"num_words":28,"start":1650.61,"end":1659.75},{"sentences":[{"text":"Yeah.","start":1659.5399,"end":1659.94,"sentiment":"neutral","sentiment_score":-0.11021555215120316}],"sentiment":"neutral","sentiment_score":-0.11021555215120316,"channel":0,"num_words":1,"start":1659.5399,"end":1659.94},{"sentences":[{"text":"and","start":1659.89,"end":1660.0499,"sentiment":"neutral","sentiment_score":-0.08012856543064117}],"sentiment":"neutral","sentiment_score":-0.08012856543064117,"channel":1,"num_words":1,"start":1659.89,"end":1660.0499},{"sentences":[{"text":"Yeah.","start":1659.94,"end":1660.44,"sentiment":"neutral","sentiment_score":-0.07431317120790482}],"sentiment":"neutral","sentiment_score":-0.07431317120790482,"channel":0,"num_words":1,"start":1659.94,"end":1660.44},{"sentences":[{"text":"and that's what you're getting paid for sort of thing.","start":1660.0499,"end":1662.21,"sentiment":"neutral","sentiment_score":-0.17568098977208138},{"text":"So, you know,","start":1662.21,"end":1663.285,"sentiment":"neutral","sentiment_score":-0.04957820971806844}],"sentiment":"neutral","sentiment_score":-0.14658034822115532,"channel":1,"num_words":13,"start":1660.0499,"end":1663.285},{"sentences":[{"text":"Yeah.","start":1663.235,"end":1663.735,"sentiment":"neutral","sentiment_score":-0.0806659534573555}],"sentiment":"neutral","sentiment_score":-0.0806659534573555,"channel":0,"num_words":1,"start":1663.235,"end":1663.735},{"sentences":[{"text":"but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before.","start":1663.285,"end":1668.805,"sentiment":"positive","sentiment_score":0.3695640203853448},{"text":"So","start":1668.805,"end":1669.305,"sentiment":"positive","sentiment_score":0.3656700551509857}],"sentiment":"positive","sentiment_score":0.36940826177597047,"channel":1,"num_words":25,"start":1663.285,"end":1669.305},{"sentences":[{"text":"Yep.","start":1668.995,"end":1669.395,"sentiment":"positive","sentiment_score":0.4374535977840424},{"text":"Oh, that's","start":1669.395,"end":1670.035,"sentiment":"positive","sentiment_score":0.6259377896785736}],"sentiment":"positive","sentiment_score":0.5631097257137299,"channel":0,"num_words":3,"start":1668.995,"end":1670.035},{"sentences":[{"text":"I'm I'm","start":1669.765,"end":1670.425,"sentiment":"positive","sentiment_score":0.7287158071994781}],"sentiment":"positive","sentiment_score":0.7287158071994781,"channel":1,"num_words":2,"start":1669.765,"end":1670.425},{"sentences":[{"text":"really good.","start":1670.035,"end":1670.855,"sentiment":"positive","sentiment_score":0.7029292583465576}],"sentiment":"positive","sentiment_score":0.7029292583465576,"channel":0,"num_words":2,"start":1670.035,"end":1670.855},{"sentences":[{"text":"I'm","start":1670.965,"end":1671.2051,"sentiment":"positive","sentiment_score":0.4942522644996643}],"sentiment":"positive","sentiment_score":0.4942522644996643,"channel":1,"num_words":1,"start":1670.965,"end":1671.2051},{"sentences":[{"text":"Yeah.","start":1671.155,"end":1671.655,"sentiment":"positive","sentiment_score":0.37394827604293823}],"sentiment":"positive","sentiment_score":0.37394827604293823,"channel":0,"num_words":1,"start":1671.155,"end":1671.655},{"sentences":[{"text":"laughing.","start":1671.2051,"end":1671.605,"sentiment":"neutral","sentiment_score":0.29512637853622437},{"text":"You know?","start":1671.605,"end":1672.005,"sentiment":"neutral","sentiment_score":0.14981530606746674},{"text":"So","start":1672.005,"end":1672.505,"sentiment":"neutral","sentiment_score":0.173153355717659}],"sentiment":"neutral","sentiment_score":0.1919775865972042,"channel":1,"num_words":4,"start":1671.2051,"end":1672.505},{"sentences":[{"text":"Yeah.","start":1672.595,"end":1673.095,"sentiment":"neutral","sentiment_score":0.1500624418258667},{"text":"No.","start":1673.155,"end":1673.315,"sentiment":"neutral","sentiment_score":0.034615952521562576},{"text":"That's okay.","start":1673.315,"end":1674.215,"sentiment":"neutral","sentiment_score":0.15609928220510483},{"text":"So this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work.","start":1674.62,"end":1681.98,"sentiment":"neutral","sentiment_score":0.08939807132507364},{"text":"We've had to kind of do the math and work out what your pre disability income was based on the payslips provided.","start":1681.98,"end":1687.4401,"sentiment":"neutral","sentiment_score":0.04917114727537741}],"sentiment":"neutral","sentiment_score":0.07448391821235419,"channel":0,"num_words":50,"start":1672.595,"end":1687.4401},{"sentences":[{"text":"So","start":1687.5,"end":1687.965,"sentiment":"neutral","sentiment_score":0.08617623150348663}],"sentiment":"neutral","sentiment_score":0.08617623150348663,"channel":0,"num_words":1,"start":1687.5,"end":1687.965},{"sentences":[{"text":"Yeah.","start":1687.93,"end":1688.01,"sentiment":"neutral","sentiment_score":0.0731232613325119},{"text":"Yep.","start":1688.01,"end":1688.41,"sentiment":"neutral","sentiment_score":0.06766362488269806}],"sentiment":"neutral","sentiment_score":0.07039344310760498,"channel":1,"num_words":2,"start":1687.93,"end":1688.41},{"sentences":[{"text":"when","start":1688.2849,"end":1688.445,"sentiment":"neutral","sentiment_score":0.04835743084549904}],"sentiment":"neutral","sentiment_score":0.04835743084549904,"channel":0,"num_words":1,"start":1688.2849,"end":1688.445},{"sentences":[{"text":"Yep.","start":1688.41,"end":1688.91,"sentiment":"neutral","sentiment_score":0.04977100342512131}],"sentiment":"neutral","sentiment_score":0.04977100342512131,"channel":1,"num_words":1,"start":1688.41,"end":1688.91},{"sentences":[{"text":"you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know.","start":1688.445,"end":1699.645,"sentiment":"neutral","sentiment_score":-0.050924909787009594},{"text":"I can always come back, reevaluate the math a little bit, and we can always refresh it and move it","start":1699.645,"end":1705.31,"sentiment":"neutral","sentiment_score":0.026158961933106184}],"sentiment":"neutral","sentiment_score":-0.027566160780913902,"channel":0,"num_words":66,"start":1688.445,"end":1705.31},{"sentences":[{"text":"Yeah.","start":1705.25,"end":1705.75,"sentiment":"neutral","sentiment_score":0.0060369353741407394}],"sentiment":"neutral","sentiment_score":0.0060369353741407394,"channel":1,"num_words":1,"start":1705.25,"end":1705.75},{"sentences":[{"text":"back in and out.","start":1705.31,"end":1706.03,"sentiment":"neutral","sentiment_score":-0.0008103544823825359},{"text":"So","start":1706.03,"end":1706.35,"sentiment":"neutral","sentiment_score":0.03861675411462784}],"sentiment":"neutral","sentiment_score":0.0070750672370195385,"channel":0,"num_words":5,"start":1705.31,"end":1706.35},{"sentences":[{"text":"Yeah.","start":1706.0499,"end":1706.37,"sentiment":"neutral","sentiment_score":0.04019864648580551}],"sentiment":"neutral","sentiment_score":0.04019864648580551,"channel":1,"num_words":1,"start":1706.0499,"end":1706.37},{"sentences":[{"text":"there's","start":1706.35,"end":1706.5901,"sentiment":"neutral","sentiment_score":0.027260299772024155}],"sentiment":"neutral","sentiment_score":0.027260299772024155,"channel":0,"num_words":1,"start":1706.35,"end":1706.5901},{"sentences":[{"text":"Well, I","start":1706.37,"end":1706.69,"sentiment":"neutral","sentiment_score":0.029930388554930687}],"sentiment":"neutral","sentiment_score":0.029930388554930687,"channel":1,"num_words":2,"start":1706.37,"end":1706.69},{"sentences":[{"text":"no","start":1706.5901,"end":1706.8301,"sentiment":"neutral","sentiment_score":0.0278521366417408}],"sentiment":"neutral","sentiment_score":0.0278521366417408,"channel":0,"num_words":1,"start":1706.5901,"end":1706.8301},{"sentences":[{"text":"thought","start":1706.69,"end":1706.9299,"sentiment":"neutral","sentiment_score":-0.006651490926742554}],"sentiment":"neutral","sentiment_score":-0.006651490926742554,"channel":1,"num_words":1,"start":1706.69,"end":1706.9299},{"sentences":[{"text":"need","start":1706.8301,"end":1707.0701,"sentiment":"neutral","sentiment_score":-0.008270464837551117}],"sentiment":"neutral","sentiment_score":-0.008270464837551117,"channel":0,"num_words":1,"start":1706.8301,"end":1707.0701},{"sentences":[{"text":"once","start":1707.0099,"end":1707.33,"sentiment":"neutral","sentiment_score":-0.031663842499256134}],"sentiment":"neutral","sentiment_score":-0.031663842499256134,"channel":1,"num_words":1,"start":1707.0099,"end":1707.33},{"sentences":[{"text":"to worry","start":1707.0701,"end":1707.4701,"sentiment":"neutral","sentiment_score":-0.019334182143211365}],"sentiment":"neutral","sentiment_score":-0.019334182143211365,"channel":0,"num_words":2,"start":1707.0701,"end":1707.4701},{"sentences":[{"text":"I once","start":1707.33,"end":1707.6499,"sentiment":"neutral","sentiment_score":0.003314271569252014}],"sentiment":"neutral","sentiment_score":0.003314271569252014,"channel":1,"num_words":2,"start":1707.33,"end":1707.6499},{"sentences":[{"text":"there.","start":1707.4701,"end":1707.9701,"sentiment":"neutral","sentiment_score":0.027452176436781883}],"sentiment":"neutral","sentiment_score":0.027452176436781883,"channel":0,"num_words":1,"start":1707.4701,"end":1707.9701},{"sentences":[{"text":"I get settled","start":1707.6499,"end":1708.2899,"sentiment":"neutral","sentiment_score":0.05547468985120455}],"sentiment":"neutral","sentiment_score":0.05547468985120455,"channel":1,"num_words":3,"start":1707.6499,"end":1708.2899},{"sentences":[{"text":"Yeah.","start":1708.1901,"end":1708.6901,"sentiment":"neutral","sentiment_score":0.06422612816095352}],"sentiment":"neutral","sentiment_score":0.06422612816095352,"channel":0,"num_words":1,"start":1708.1901,"end":1708.6901},{"sentences":[{"text":"down again, yeah, I'll I'll send you the the latest payslips or whatever.","start":1708.2899,"end":1715.1849,"sentiment":"neutral","sentiment_score":0.0922413757787301},{"text":"And then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway.","start":1715.1849,"end":1724.7849,"sentiment":"neutral","sentiment_score":0.08117308379972682},{"text":"So","start":1724.7849,"end":1725.2849,"sentiment":"neutral","sentiment_score":0.3103591203689575}],"sentiment":"neutral","sentiment_score":0.0932077235512195,"channel":1,"num_words":31,"start":1708.2899,"end":1725.2849},{"sentences":[{"text":"Nice.","start":1725.98,"end":1726.3799,"sentiment":"positive","sentiment_score":0.4972155690193176},{"text":"Nice.","start":1726.3799,"end":1726.8799,"sentiment":"positive","sentiment_score":0.4649600684642792}],"sentiment":"positive","sentiment_score":0.4810878187417984,"channel":0,"num_words":2,"start":1725.98,"end":1726.8799},{"sentences":[{"text":"I'll put in for a wage review and and whatever.","start":1726.57,"end":1729.0499,"sentiment":"neutral","sentiment_score":0.17979684546589852},{"text":"It's taken two bloody years.","start":1729.0499,"end":1730.57,"sentiment":"neutral","sentiment_score":0.0031933717429637907},{"text":"But anyway, yeah, we've had a lot of stuff going on with council.","start":1730.57,"end":1735.37,"sentiment":"neutral","sentiment_score":0.020736884469023116},{"text":"But anyway yeah.","start":1735.37,"end":1736.8099,"sentiment":"neutral","sentiment_score":0.04708608612418175},{"text":"So hopefully, like, I'm in the I'm in the wings for another pay rise anyway.","start":1736.8099,"end":1741.555,"sentiment":"neutral","sentiment_score":0.13457527955373128}],"sentiment":"neutral","sentiment_score":0.09224787528586129,"channel":1,"num_words":46,"start":1726.57,"end":1741.555},{"sentences":[{"text":"So that'll","start":1741.555,"end":1742.3551,"sentiment":"neutral","sentiment_score":0.10352180898189545}],"sentiment":"neutral","sentiment_score":0.10352180898189545,"channel":1,"num_words":2,"start":1741.555,"end":1742.3551},{"sentences":[{"text":"Yeah.","start":1742.215,"end":1742.715,"sentiment":"neutral","sentiment_score":0.09348378330469131}],"sentiment":"neutral","sentiment_score":0.09348378330469131,"channel":0,"num_words":1,"start":1742.215,"end":1742.715},{"sentences":[{"text":"go up again.","start":1742.3551,"end":1743.175,"sentiment":"neutral","sentiment_score":0.12726407994826636},{"text":"Fingers","start":1743.555,"end":1743.9551,"sentiment":"neutral","sentiment_score":0.11326213926076888}],"sentiment":"neutral","sentiment_score":0.12376359477639198,"channel":1,"num_words":4,"start":1742.3551,"end":1743.9551},{"sentences":[{"text":"Yeah.","start":1743.575,"end":1744.075,"sentiment":"neutral","sentiment_score":0.11371535807847977}],"sentiment":"neutral","sentiment_score":0.11371535807847977,"channel":0,"num_words":1,"start":1743.575,"end":1744.075},{"sentences":[{"text":"crossed.","start":1743.9551,"end":1744.275,"sentiment":"neutral","sentiment_score":0.12536902725696564},{"text":"So","start":1744.275,"end":1744.775,"sentiment":"neutral","sentiment_score":0.14958801865577698}],"sentiment":"neutral","sentiment_score":0.1374785229563713,"channel":1,"num_words":2,"start":1743.9551,"end":1744.775},{"sentences":[{"text":"Yeah.","start":1745.095,"end":1745.175,"sentiment":"neutral","sentiment_score":0.17135319113731384},{"text":"Yeah.","start":1745.175,"end":1745.255,"sentiment":"neutral","sentiment_score":0.29473963379859924},{"text":"Perfect.","start":1745.255,"end":1745.735,"sentiment":"positive","sentiment_score":0.5103011131286621},{"text":"Well, if it does, let me know.","start":1745.735,"end":1747.095,"sentiment":"neutral","sentiment_score":0.1913491232054574},{"text":"Because as I said, we","start":1747.095,"end":1748.135,"sentiment":"neutral","sentiment_score":0.1241558164358139}],"sentiment":"neutral","sentiment_score":0.19577445884545644,"channel":0,"num_words":15,"start":1745.095,"end":1748.135},{"sentences":[{"text":"Yep.","start":1747.9551,"end":1748.4551,"sentiment":"neutral","sentiment_score":0.13645502924919128}],"sentiment":"neutral","sentiment_score":0.13645502924919128,"channel":1,"num_words":1,"start":1747.9551,"end":1748.4551},{"sentences":[{"text":"can refresh these.","start":1748.135,"end":1749.095,"sentiment":"neutral","sentiment_score":0.16550949215888977},{"text":"We can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do.","start":1749.095,"end":1758.7999,"sentiment":"neutral","sentiment_score":0.27498769015073776},{"text":"So","start":1758.7999,"end":1759.2999,"sentiment":"neutral","sentiment_score":0.13314227759838104}],"sentiment":"neutral","sentiment_score":0.26292922844489414,"channel":0,"num_words":39,"start":1748.135,"end":1759.2999},{"sentences":[{"text":"Yep.","start":1758.88,"end":1759.36,"sentiment":"neutral","sentiment_score":0.1115352138876915},{"text":"Okay.","start":1759.36,"end":1759.86,"sentiment":"neutral","sentiment_score":0.00033417902886867523}],"sentiment":"neutral","sentiment_score":0.055934696458280087,"channel":1,"num_words":2,"start":1758.88,"end":1759.86},{"sentences":[{"text":"if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with","start":1759.6,"end":1768.405,"sentiment":"neutral","sentiment_score":-0.30874813328950834}],"sentiment":"neutral","sentiment_score":-0.30874813328950834,"channel":0,"num_words":39,"start":1759.6,"end":1768.405},{"sentences":[{"text":"Thank","start":1768.315,"end":1768.635,"sentiment":"positive","sentiment_score":0.3490007519721985}],"sentiment":"positive","sentiment_score":0.3490007519721985,"channel":1,"num_words":1,"start":1768.315,"end":1768.635},{"sentences":[{"text":"the deductions","start":1768.405,"end":1769.045,"sentiment":"neutral","sentiment_score":0.30555491149425507}],"sentiment":"neutral","sentiment_score":0.30555491149425507,"channel":0,"num_words":2,"start":1768.405,"end":1769.045},{"sentences":[{"text":"you.","start":1768.635,"end":1769.135,"sentiment":"positive","sentiment_score":0.4044906198978424}],"sentiment":"positive","sentiment_score":0.4044906198978424,"channel":1,"num_words":1,"start":1768.635,"end":1769.135},{"sentences":[{"text":"going in there.","start":1769.045,"end":1769.6849,"sentiment":"neutral","sentiment_score":0.23611752688884735},{"text":"And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there.","start":1769.6849,"end":1777.48,"sentiment":"neutral","sentiment_score":0.3202199228107929},{"text":"So we've added","start":1777.48,"end":1778.2001,"sentiment":"neutral","sentiment_score":0.18319758772850037}],"sentiment":"neutral","sentiment_score":0.2981074497103691,"channel":0,"num_words":30,"start":1769.045,"end":1778.2001},{"sentences":[{"text":"Yes.","start":1778.075,"end":1778.575,"sentiment":"neutral","sentiment_score":0.2288534790277481}],"sentiment":"neutral","sentiment_score":0.2288534790277481,"channel":1,"num_words":1,"start":1778.075,"end":1778.575},{"sentences":[{"text":"those back in, but then also kept the post tax deductibles and the pretax deductibles coming","start":1778.2001,"end":1783.88,"sentiment":"neutral","sentiment_score":0.1928338622674346}],"sentiment":"neutral","sentiment_score":0.1928338622674346,"channel":0,"num_words":16,"start":1778.2001,"end":1783.88},{"sentences":[{"text":"Yes.","start":1783.8601,"end":1784.3601,"sentiment":"neutral","sentiment_score":0.20460788905620575}],"sentiment":"neutral","sentiment_score":0.20460788905620575,"channel":1,"num_words":1,"start":1783.8601,"end":1784.3601},{"sentences":[{"text":"out","start":1783.88,"end":1784.38,"sentiment":"neutral","sentiment_score":0.15261995792388916}],"sentiment":"neutral","sentiment_score":0.15261995792388916,"channel":0,"num_words":1,"start":1783.88,"end":1784.38},{"sentences":[{"text":"Yep.","start":1784.5,"end":1785.0,"sentiment":"neutral","sentiment_score":0.2230035364627838}],"sentiment":"neutral","sentiment_score":0.2230035364627838,"channel":1,"num_words":1,"start":1784.5,"end":1785.0},{"sentences":[{"text":"and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there.","start":1784.68,"end":1792.0549,"sentiment":"neutral","sentiment_score":-0.03324040462789328},{"text":"So","start":1792.0549,"end":1792.5549,"sentiment":"neutral","sentiment_score":0.12220799922943117}],"sentiment":"neutral","sentiment_score":-0.026763387800504763,"channel":0,"num_words":24,"start":1784.68,"end":1792.5549},{"sentences":[{"text":"Yes.","start":1792.42,"end":1792.5,"sentiment":"neutral","sentiment_score":0.14785802364349365},{"text":"Yes.","start":1792.5,"end":1792.8201,"sentiment":"neutral","sentiment_score":0.19630420207977295}],"sentiment":"neutral","sentiment_score":0.1720811128616333,"channel":1,"num_words":2,"start":1792.42,"end":1792.8201},{"sentences":[{"text":"it","start":1792.695,"end":1792.855,"sentiment":"neutral","sentiment_score":0.18894803524017337}],"sentiment":"neutral","sentiment_score":0.18894803524017337,"channel":0,"num_words":1,"start":1792.695,"end":1792.855},{"sentences":[{"text":"Gotcha.","start":1792.8201,"end":1793.3201,"sentiment":"neutral","sentiment_score":0.22131292521953583}],"sentiment":"neutral","sentiment_score":0.22131292521953583,"channel":1,"num_words":1,"start":1792.8201,"end":1793.3201},{"sentences":[{"text":"was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are.","start":1792.855,"end":1798.875,"sentiment":"neutral","sentiment_score":0.20606827563964403},{"text":"But we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to.","start":1799.175,"end":1807.56,"sentiment":"neutral","sentiment_score":0.10079835343640298}],"sentiment":"neutral","sentiment_score":0.1479883185619938,"channel":0,"num_words":58,"start":1792.855,"end":1807.56},{"sentences":[{"text":"Yes.","start":1807.065,"end":1807.565,"sentiment":"neutral","sentiment_score":0.089333675801754}],"sentiment":"neutral","sentiment_score":0.089333675801754,"channel":1,"num_words":1,"start":1807.065,"end":1807.565},{"sentences":[{"text":"Yeah.","start":1808.98,"end":1809.3,"sentiment":"neutral","sentiment_score":0.10321035981178284},{"text":"Yeah.","start":1809.3,"end":1809.54,"sentiment":"neutral","sentiment_score":0.128773033618927},{"text":"We can roll back in and out of TTR pension phase and accumulation as often","start":1809.54,"end":1813.7001,"sentiment":"neutral","sentiment_score":0.10484034468730291}],"sentiment":"neutral","sentiment_score":0.10615226845530902,"channel":0,"num_words":17,"start":1808.98,"end":1813.7001},{"sentences":[{"text":"Oh,","start":1813.5,"end":1813.74,"sentiment":"neutral","sentiment_score":0.04363919049501419}],"sentiment":"neutral","sentiment_score":0.04363919049501419,"channel":1,"num_words":1,"start":1813.5,"end":1813.74},{"sentences":[{"text":"as","start":1813.7001,"end":1813.86,"sentiment":"neutral","sentiment_score":0.012386348098516464}],"sentiment":"neutral","sentiment_score":0.012386348098516464,"channel":0,"num_words":1,"start":1813.7001,"end":1813.86},{"sentences":[{"text":"okay.","start":1813.74,"end":1814.24,"sentiment":"neutral","sentiment_score":0.03060348890721798}],"sentiment":"neutral","sentiment_score":0.03060348890721798,"channel":1,"num_words":1,"start":1813.74,"end":1814.24},{"sentences":[{"text":"we need to.","start":1813.86,"end":1814.68,"sentiment":"neutral","sentiment_score":0.008541826779643694},{"text":"The","start":1814.9,"end":1815.14,"sentiment":"neutral","sentiment_score":-0.03141041100025177}],"sentiment":"neutral","sentiment_score":-0.0014462326653301716,"channel":0,"num_words":4,"start":1813.86,"end":1815.14},{"sentences":[{"text":"I","start":1815.1,"end":1815.4199,"sentiment":"neutral","sentiment_score":-0.0639202743768692}],"sentiment":"neutral","sentiment_score":-0.0639202743768692,"channel":1,"num_words":1,"start":1815.1,"end":1815.4199},{"sentences":[{"text":"only","start":1815.14,"end":1815.62,"sentiment":"neutral","sentiment_score":-0.058064140379428864}],"sentiment":"neutral","sentiment_score":-0.058064140379428864,"channel":0,"num_words":1,"start":1815.14,"end":1815.62},{"sentences":[{"text":"thought","start":1815.4199,"end":1815.74,"sentiment":"neutral","sentiment_score":-0.09138518571853638}],"sentiment":"neutral","sentiment_score":-0.09138518571853638,"channel":1,"num_words":1,"start":1815.4199,"end":1815.74},{"sentences":[{"text":"main","start":1815.62,"end":1816.12,"sentiment":"neutral","sentiment_score":-0.12494677305221558}],"sentiment":"neutral","sentiment_score":-0.12494677305221558,"channel":0,"num_words":1,"start":1815.62,"end":1816.12},{"sentences":[{"text":"that I thought it might be a like a one off.","start":1815.74,"end":1817.6599,"sentiment":"neutral","sentiment_score":-0.135365022177046},{"text":"Once you do it, that shit, you can't","start":1817.6599,"end":1819.1,"sentiment":"neutral","sentiment_score":-0.19739099964499474}],"sentiment":"neutral","sentiment_score":-0.1614812232161823,"channel":1,"num_words":19,"start":1815.74,"end":1819.1},{"sentences":[{"text":"no.","start":1818.975,"end":1819.475,"sentiment":"neutral","sentiment_score":-0.18521812558174133}],"sentiment":"neutral","sentiment_score":-0.18521812558174133,"channel":0,"num_words":1,"start":1818.975,"end":1819.475},{"sentences":[{"text":"go back.","start":1819.1,"end":1819.7599,"sentiment":"neutral","sentiment_score":-0.15371335297822952}],"sentiment":"neutral","sentiment_score":-0.15371335297822952,"channel":1,"num_words":2,"start":1819.1,"end":1819.7599},{"sentences":[{"text":"Yeah.","start":1820.015,"end":1820.335,"sentiment":"neutral","sentiment_score":-0.02308473363518715},{"text":"No.","start":1820.335,"end":1820.575,"sentiment":"neutral","sentiment_score":-0.040873948484659195},{"text":"We can refresh this as often as we like.","start":1820.575,"end":1822.6549,"sentiment":"neutral","sentiment_score":0.05685356093777551},{"text":"We try to do it once a year.","start":1822.6549,"end":1824.255,"sentiment":"neutral","sentiment_score":0.0981918191537261}],"sentiment":"neutral","sentiment_score":0.06490831155526011,"channel":0,"num_words":19,"start":1820.015,"end":1824.255},{"sentences":[{"text":"Yep.","start":1823.865,"end":1824.365,"sentiment":"neutral","sentiment_score":0.09418188780546188}],"sentiment":"neutral","sentiment_score":0.09418188780546188,"channel":1,"num_words":1,"start":1823.865,"end":1824.365},{"sentences":[{"text":"So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work","start":1824.255,"end":1831.6799,"sentiment":"neutral","sentiment_score":0.10207749110075735}],"sentiment":"neutral","sentiment_score":0.10207749110075735,"channel":0,"num_words":31,"start":1824.255,"end":1831.6799},{"sentences":[{"text":"Yes.","start":1831.5825,"end":1832.0825,"sentiment":"neutral","sentiment_score":0.1266813576221466}],"sentiment":"neutral","sentiment_score":0.1266813576221466,"channel":1,"num_words":1,"start":1831.5825,"end":1832.0825},{"sentences":[{"text":"next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase","start":1831.6799,"end":1844.715,"sentiment":"neutral","sentiment_score":0.12383825739109239}],"sentiment":"neutral","sentiment_score":0.12383825739109239,"channel":0,"num_words":43,"start":1831.6799,"end":1844.715},{"sentences":[{"text":"Yep.","start":1845.14,"end":1845.64,"sentiment":"neutral","sentiment_score":0.15582320094108582}],"sentiment":"neutral","sentiment_score":0.15582320094108582,"channel":1,"num_words":1,"start":1845.14,"end":1845.64},{"sentences":[{"text":"because to start with, we're gonna do the investment switch anyway.","start":1845.195,"end":1848.335,"sentiment":"neutral","sentiment_score":0.1218379492109472}],"sentiment":"neutral","sentiment_score":0.1218379492109472,"channel":0,"num_words":11,"start":1845.195,"end":1848.335},{"sentences":[{"text":"Yep.","start":1848.9801,"end":1849.4801,"sentiment":"neutral","sentiment_score":0.18301883339881897}],"sentiment":"neutral","sentiment_score":0.18301883339881897,"channel":1,"num_words":1,"start":1848.9801,"end":1849.4801},{"sentences":[{"text":"So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you.","start":1849.4349,"end":1858.05,"sentiment":"neutral","sentiment_score":0.18222644286496298},{"text":"That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in.","start":1858.53,"end":1863.89,"sentiment":"neutral","sentiment_score":0.18007638726545416},{"text":"Because then when","start":1863.89,"end":1864.53,"sentiment":"neutral","sentiment_score":0.05021863803267479}],"sentiment":"neutral","sentiment_score":0.17492357904060943,"channel":0,"num_words":61,"start":1849.4349,"end":1864.53},{"sentences":[{"text":"Yes.","start":1864.405,"end":1864.905,"sentiment":"neutral","sentiment_score":0.08952068537473679}],"sentiment":"neutral","sentiment_score":0.08952068537473679,"channel":1,"num_words":1,"start":1864.405,"end":1864.905},{"sentences":[{"text":"we roll in, we try to give it a good year to make sure it's all kind of working to see","start":1864.53,"end":1868.93,"sentiment":"neutral","sentiment_score":0.22949486048448653}],"sentiment":"neutral","sentiment_score":0.22949486048448653,"channel":0,"num_words":21,"start":1864.53,"end":1868.93},{"sentences":[{"text":"Working","start":1868.9,"end":1869.4,"sentiment":"neutral","sentiment_score":0.1341181844472885}],"sentiment":"neutral","sentiment_score":0.1341181844472885,"channel":1,"num_words":1,"start":1868.9,"end":1869.4},{"sentences":[{"text":"the benefits.","start":1868.93,"end":1869.51,"sentiment":"neutral","sentiment_score":0.2624538093805313}],"sentiment":"neutral","sentiment_score":0.2624538093805313,"channel":0,"num_words":2,"start":1868.93,"end":1869.51},{"sentences":[{"text":"very well.","start":1869.4601,"end":1869.9401,"sentiment":"positive","sentiment_score":0.5002407431602478},{"text":"Yeah.","start":1869.9401,"end":1870.18,"sentiment":"neutral","sentiment_score":0.1590350866317749},{"text":"Yep.","start":1870.18,"end":1870.68,"sentiment":"neutral","sentiment_score":0.12133823335170746}],"sentiment":"neutral","sentiment_score":0.3202137015759945,"channel":1,"num_words":4,"start":1869.4601,"end":1870.68},{"sentences":[{"text":"Yeah.","start":1870.365,"end":1870.685,"sentiment":"neutral","sentiment_score":0.05689913034439087},{"text":"And","start":1870.685,"end":1871.005,"sentiment":"neutral","sentiment_score":0.04073984548449516}],"sentiment":"neutral","sentiment_score":0.048819487914443016,"channel":0,"num_words":2,"start":1870.365,"end":1871.005},{"sentences":[{"text":"I thought","start":1870.74,"end":1871.14,"sentiment":"neutral","sentiment_score":0.013974636793136598}],"sentiment":"neutral","sentiment_score":0.013974636793136598,"channel":1,"num_words":2,"start":1870.74,"end":1871.14},{"sentences":[{"text":"then","start":1871.005,"end":1871.325,"sentiment":"neutral","sentiment_score":0.02382444590330124}],"sentiment":"neutral","sentiment_score":0.02382444590330124,"channel":0,"num_words":1,"start":1871.005,"end":1871.325},{"sentences":[{"text":"that's","start":1871.14,"end":1871.38,"sentiment":"neutral","sentiment_score":0.005677973385900259}],"sentiment":"neutral","sentiment_score":0.005677973385900259,"channel":1,"num_words":1,"start":1871.14,"end":1871.38},{"sentences":[{"text":"kinda","start":1871.325,"end":1871.645,"sentiment":"neutral","sentiment_score":0.014654027298092842}],"sentiment":"neutral","sentiment_score":0.014654027298092842,"channel":0,"num_words":1,"start":1871.325,"end":1871.645},{"sentences":[{"text":"it.","start":1871.38,"end":1871.88,"sentiment":"neutral","sentiment_score":0.018366321921348572}],"sentiment":"neutral","sentiment_score":0.018366321921348572,"channel":1,"num_words":1,"start":1871.38,"end":1871.88},{"sentences":[{"text":"roll you back.","start":1871.645,"end":1872.625,"sentiment":"neutral","sentiment_score":0.010758617892861366},{"text":"The","start":1872.925,"end":1873.325,"sentiment":"neutral","sentiment_score":0.04152626916766167}],"sentiment":"neutral","sentiment_score":0.01845053071156144,"channel":0,"num_words":4,"start":1871.645,"end":1873.325},{"sentences":[{"text":"Yes.","start":1873.06,"end":1873.56,"sentiment":"neutral","sentiment_score":0.12703566253185272}],"sentiment":"neutral","sentiment_score":0.12703566253185272,"channel":1,"num_words":1,"start":1873.06,"end":1873.56},{"sentences":[{"text":"we can roll you back and forth as much as you want.","start":1873.645,"end":1875.805,"sentiment":"neutral","sentiment_score":0.1729885141054789},{"text":"There's no issues there.","start":1875.805,"end":1876.765,"sentiment":"neutral","sentiment_score":0.22307902574539185},{"text":"It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown.","start":1876.765,"end":1883.745,"sentiment":"neutral","sentiment_score":0.11474313326179982},{"text":"So","start":1883.965,"end":1884.465,"sentiment":"neutral","sentiment_score":0.11112482100725174}],"sentiment":"neutral","sentiment_score":0.14524772320244764,"channel":0,"num_words":37,"start":1873.645,"end":1884.465},{"sentences":[{"text":"Oh, okay.","start":1884.455,"end":1885.1749,"sentiment":"neutral","sentiment_score":0.17523592710494995}],"sentiment":"neutral","sentiment_score":0.17523592710494995,"channel":1,"num_words":2,"start":1884.455,"end":1885.1749},{"sentences":[{"text":"works for you","start":1884.8201,"end":1885.64,"sentiment":"neutral","sentiment_score":0.16184107462565103}],"sentiment":"neutral","sentiment_score":0.16184107462565103,"channel":0,"num_words":3,"start":1884.8201,"end":1885.64},{"sentences":[{"text":"Right here.","start":1885.1749,"end":1885.9149,"sentiment":"neutral","sentiment_score":0.12645605579018593},{"text":"Yeah.","start":1886.5349,"end":1886.855,"sentiment":"neutral","sentiment_score":0.05213163048028946}],"sentiment":"neutral","sentiment_score":0.10168124735355377,"channel":1,"num_words":3,"start":1885.1749,"end":1886.855},{"sentences":[{"text":"whenever","start":1886.5801,"end":1886.98,"sentiment":"neutral","sentiment_score":0.0177580825984478}],"sentiment":"neutral","sentiment_score":0.0177580825984478,"channel":0,"num_words":1,"start":1886.5801,"end":1886.98},{"sentences":[{"text":"No.","start":1886.855,"end":1887.015,"sentiment":"neutral","sentiment_score":0.0111951045691967}],"sentiment":"neutral","sentiment_score":0.0111951045691967,"channel":1,"num_words":1,"start":1886.855,"end":1887.015},{"sentences":[{"text":"we","start":1886.98,"end":1887.14,"sentiment":"neutral","sentiment_score":0.044195543974637985}],"sentiment":"neutral","sentiment_score":0.044195543974637985,"channel":0,"num_words":1,"start":1886.98,"end":1887.14},{"sentences":[{"text":"Excellent.","start":1887.015,"end":1887.515,"sentiment":"neutral","sentiment_score":0.1931234449148178}],"sentiment":"neutral","sentiment_score":0.1931234449148178,"channel":1,"num_words":1,"start":1887.015,"end":1887.515},{"sentences":[{"text":"roll you back out of that pension phase.","start":1887.14,"end":1889.06,"sentiment":"neutral","sentiment_score":0.16395817697048187},{"text":"So","start":1889.06,"end":1889.56,"sentiment":"neutral","sentiment_score":0.32063424587249756}],"sentiment":"neutral","sentiment_score":0.18136662907070583,"channel":0,"num_words":9,"start":1887.14,"end":1889.56},{"sentences":[{"text":"Good.","start":1889.575,"end":1890.075,"sentiment":"positive","sentiment_score":0.45418310165405273}],"sentiment":"positive","sentiment_score":0.45418310165405273,"channel":1,"num_words":1,"start":1889.575,"end":1890.075},{"sentences":[{"text":"I try to sort of make sure the numbers are on point before we kind of go forward into it.","start":1889.9401,"end":1894.5,"sentiment":"neutral","sentiment_score":0.15739898942410946},{"text":"We can make some alterations once we're there, but it just makes it easier on you if we do that beforehand.","start":1894.5,"end":1900.625,"sentiment":"neutral","sentiment_score":0.14542428297655924},{"text":"So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes.","start":1901.005,"end":1912.065,"sentiment":"neutral","sentiment_score":0.10463911278740219}],"sentiment":"neutral","sentiment_score":0.1266125163127636,"channel":0,"num_words":87,"start":1889.9401,"end":1912.065},{"sentences":[{"text":"Yep.","start":1912.5549,"end":1913.0549,"sentiment":"neutral","sentiment_score":0.07341676950454712}],"sentiment":"neutral","sentiment_score":0.07341676950454712,"channel":1,"num_words":1,"start":1912.5549,"end":1913.0549},{"sentences":[{"text":"I'll just run the numbers over again to double check that.","start":1912.67,"end":1915.3099,"sentiment":"neutral","sentiment_score":0.0672584507953037},{"text":"And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through","start":1915.3099,"end":1923.23,"sentiment":"neutral","sentiment_score":0.05609337588952434}],"sentiment":"neutral","sentiment_score":0.05901756217437131,"channel":0,"num_words":42,"start":1912.67,"end":1923.23},{"sentences":[{"text":"Yep.","start":1923.01,"end":1923.41,"sentiment":"neutral","sentiment_score":0.05968226119875908}],"sentiment":"neutral","sentiment_score":0.05968226119875908,"channel":1,"num_words":1,"start":1923.01,"end":1923.41},{"sentences":[{"text":"to you.","start":1923.23,"end":1923.63,"sentiment":"neutral","sentiment_score":0.040789008140563965}],"sentiment":"neutral","sentiment_score":0.040789008140563965,"channel":0,"num_words":2,"start":1923.23,"end":1923.63},{"sentences":[{"text":"Yep.","start":1923.41,"end":1923.89,"sentiment":"neutral","sentiment_score":0.02698732540011406}],"sentiment":"neutral","sentiment_score":0.02698732540011406,"channel":1,"num_words":1,"start":1923.41,"end":1923.89},{"sentences":[{"text":"Does that","start":1923.63,"end":1924.03,"sentiment":"neutral","sentiment_score":0.035809566266834736}],"sentiment":"neutral","sentiment_score":0.035809566266834736,"channel":0,"num_words":2,"start":1923.63,"end":1924.03},{"sentences":[{"text":"Okay.","start":1923.89,"end":1924.39,"sentiment":"neutral","sentiment_score":0.04236350953578949}],"sentiment":"neutral","sentiment_score":0.04236350953578949,"channel":1,"num_words":1,"start":1923.89,"end":1924.39},{"sentences":[{"text":"sound okay?","start":1924.03,"end":1924.77,"sentiment":"neutral","sentiment_score":0.04247343726456165},{"text":"Yep.","start":1924.83,"end":1925.33,"sentiment":"neutral","sentiment_score":0.04953829199075699}],"sentiment":"neutral","sentiment_score":0.0448283888399601,"channel":0,"num_words":3,"start":1924.03,"end":1925.33},{"sentences":[{"text":"Yeah.","start":1925.01,"end":1925.25,"sentiment":"neutral","sentiment_score":0.10676242411136629},{"text":"Sounds good.","start":1925.25,"end":1925.97,"sentiment":"neutral","sentiment_score":0.252511590719223},{"text":"Yeah.","start":1925.97,"end":1926.47,"sentiment":"neutral","sentiment_score":0.1378197818994522}],"sentiment":"neutral","sentiment_score":0.18740134686231613,"channel":1,"num_words":4,"start":1925.01,"end":1926.47},{"sentences":[{"text":"Yep.","start":1926.495,"end":1926.975,"sentiment":"neutral","sentiment_score":0.18812237679958344},{"text":"Beautiful.","start":1926.975,"end":1927.475,"sentiment":"positive","sentiment_score":0.496721476316452},{"text":"Beautiful.","start":1927.775,"end":1928.275,"sentiment":"positive","sentiment_score":0.543910026550293},{"text":"But I've really enjoyed putting this together.","start":1928.3351,"end":1930.015,"sentiment":"positive","sentiment_score":0.6607649581772941},{"text":"It's been a lot of fun.","start":1930.015,"end":1930.895,"sentiment":"positive","sentiment_score":0.7133479019006094}],"sentiment":"positive","sentiment_score":0.6333872498944402,"channel":0,"num_words":16,"start":1926.495,"end":1930.895},{"sentences":[{"text":"Your payslip has been one of the most interesting.","start":1930.895,"end":1933.795,"sentiment":"positive","sentiment_score":0.5287198192543454},{"text":"I've really enjoyed looking at it and just because it's been going out gradually over the past few months.","start":1933.855,"end":1938.3351,"sentiment":"positive","sentiment_score":0.5032714275937331},{"text":"But it's kinda cool to see you getting back on top and getting back to work over that time too.","start":1938.3351,"end":1943.55,"sentiment":"positive","sentiment_score":0.6122303873300552},{"text":"It's really fun.","start":1943.55,"end":1944.61,"sentiment":"positive","sentiment_score":0.5737272898356119}],"sentiment":"positive","sentiment_score":0.5546357865427055,"channel":0,"num_words":51,"start":1930.895,"end":1944.61},{"sentences":[{"text":"Oh, I don't know about the fun bit, but it's been it's been a bit of a yeah.","start":1945.2151,"end":1949.74,"sentiment":"neutral","sentiment_score":-0.06728243434594737},{"text":"It's been a haul, but,","start":1949.74,"end":1951.5,"sentiment":"neutral","sentiment_score":-0.06262782663106918}],"sentiment":"neutral","sentiment_score":-0.06627056310358255,"channel":1,"num_words":23,"start":1945.2151,"end":1951.5},{"sentences":[{"text":"It","start":1951.3251,"end":1951.5651,"sentiment":"neutral","sentiment_score":-0.042212069034576416}],"sentiment":"neutral","sentiment_score":-0.042212069034576416,"channel":0,"num_words":1,"start":1951.3251,"end":1951.5651},{"sentences":[{"text":"you","start":1951.5,"end":1951.66,"sentiment":"neutral","sentiment_score":-0.046032194048166275}],"sentiment":"neutral","sentiment_score":-0.046032194048166275,"channel":1,"num_words":1,"start":1951.5,"end":1951.66},{"sentences":[{"text":"has.","start":1951.5651,"end":1952.0651,"sentiment":"neutral","sentiment_score":-0.041598375886678696}],"sentiment":"neutral","sentiment_score":-0.041598375886678696,"channel":0,"num_words":1,"start":1951.5651,"end":1952.0651},{"sentences":[{"text":"know, like, I'm","start":1951.66,"end":1952.3,"sentiment":"neutral","sentiment_score":-0.058015151570240654}],"sentiment":"neutral","sentiment_score":-0.058015151570240654,"channel":1,"num_words":3,"start":1951.66,"end":1952.3},{"sentences":[{"text":"Yeah.","start":1952.125,"end":1952.625,"sentiment":"neutral","sentiment_score":-0.06822335720062256}],"sentiment":"neutral","sentiment_score":-0.06822335720062256,"channel":0,"num_words":1,"start":1952.125,"end":1952.625},{"sentences":[{"text":"just I'm just I just don't want it to I just didn't want it","start":1952.3,"end":1955.8201,"sentiment":"neutral","sentiment_score":-0.23845697620085307}],"sentiment":"neutral","sentiment_score":-0.23845697620085307,"channel":1,"num_words":14,"start":1952.3,"end":1955.8201},{"sentences":[{"text":"No.","start":1955.805,"end":1956.305,"sentiment":"neutral","sentiment_score":-0.07492765039205551}],"sentiment":"neutral","sentiment_score":-0.07492765039205551,"channel":0,"num_words":1,"start":1955.805,"end":1956.305},{"sentences":[{"text":"to sort of go on too much longer sort of thing.","start":1955.8201,"end":1957.98,"sentiment":"neutral","sentiment_score":-0.27344932881268585},{"text":"And and, I mean,","start":1957.98,"end":1958.86,"sentiment":"neutral","sentiment_score":-0.04780219774693251}],"sentiment":"neutral","sentiment_score":-0.213276760528485,"channel":1,"num_words":15,"start":1955.8201,"end":1958.86},{"sentences":[{"text":"Yeah.","start":1958.685,"end":1959.185,"sentiment":"neutral","sentiment_score":0.048704445362091064}],"sentiment":"neutral","sentiment_score":0.048704445362091064,"channel":0,"num_words":1,"start":1958.685,"end":1959.185},{"sentences":[{"text":"everyone everyone was okay with with it at work and everything else.","start":1958.86,"end":1962.675,"sentiment":"neutral","sentiment_score":0.2758082039654255},{"text":"And and, you know, I said the doctor's on my side anyway.","start":1962.675,"end":1966.275,"sentiment":"neutral","sentiment_score":0.060352309296528496},{"text":"So","start":1966.275,"end":1966.775,"sentiment":"neutral","sentiment_score":0.09988893568515778}],"sentiment":"neutral","sentiment_score":0.16535260379314423,"channel":1,"num_words":25,"start":1958.86,"end":1966.775},{"sentences":[{"text":"Yeah.","start":1966.86,"end":1967.36,"sentiment":"neutral","sentiment_score":0.18719545006752017}],"sentiment":"neutral","sentiment_score":0.18719545006752017,"channel":0,"num_words":1,"start":1966.86,"end":1967.36},{"sentences":[{"text":"that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point.","start":1967.155,"end":1974.835,"sentiment":"neutral","sentiment_score":-0.11262312017638108},{"text":"So and I think in the long run, virtually, it's it's me.","start":1974.835,"end":1979.93,"sentiment":"neutral","sentiment_score":-0.021042891933272283},{"text":"Like, I'm the one that says, well, I wanna do this or no.","start":1979.93,"end":1982.73,"sentiment":"neutral","sentiment_score":0.002009558563049023},{"text":"I wanna extend it or whatever.","start":1982.73,"end":1984.17,"sentiment":"neutral","sentiment_score":0.0068912406762441},{"text":"That's I think","start":1984.17,"end":1985.13,"sentiment":"neutral","sentiment_score":0.020168781280517578}],"sentiment":"neutral","sentiment_score":-0.05381916093802641,"channel":1,"num_words":63,"start":1967.155,"end":1985.13},{"sentences":[{"text":"Yeah.","start":1985.035,"end":1985.3551,"sentiment":"neutral","sentiment_score":0.08863221108913422}],"sentiment":"neutral","sentiment_score":0.08863221108913422,"channel":0,"num_words":1,"start":1985.035,"end":1985.3551},{"sentences":[{"text":"that's","start":1985.13,"end":1985.37,"sentiment":"neutral","sentiment_score":0.10888917744159698}],"sentiment":"neutral","sentiment_score":0.10888917744159698,"channel":1,"num_words":1,"start":1985.13,"end":1985.37},{"sentences":[{"text":"Yeah.","start":1985.3551,"end":1985.8551,"sentiment":"neutral","sentiment_score":0.1256999373435974}],"sentiment":"neutral","sentiment_score":0.1256999373435974,"channel":0,"num_words":1,"start":1985.3551,"end":1985.8551},{"sentences":[{"text":"the whole point.","start":1985.37,"end":1986.0901,"sentiment":"neutral","sentiment_score":0.15006949504216513},{"text":"It it should be up to me.","start":1986.0901,"end":1987.29,"sentiment":"neutral","sentiment_score":0.29382753159318653},{"text":"So and I'm happy.","start":1987.29,"end":1989.095,"sentiment":"positive","sentiment_score":0.5300427973270416},{"text":"So I don't know, you know, I don't care what the other father was saying.","start":1989.315,"end":1995.815,"sentiment":"neutral","sentiment_score":0.12862817446390787},{"text":"So I'm I'm I'm happy with what I'm doing.","start":1996.835,"end":1998.995,"sentiment":"positive","sentiment_score":0.3465378036101659}],"sentiment":"neutral","sentiment_score":0.25461671697466,"channel":1,"num_words":38,"start":1985.37,"end":1998.995},{"sentences":[{"text":"So that's","start":1998.995,"end":1999.89,"sentiment":"neutral","sentiment_score":0.18670909106731415}],"sentiment":"neutral","sentiment_score":0.18670909106731415,"channel":1,"num_words":2,"start":1998.995,"end":1999.89},{"sentences":[{"text":"Yeah.","start":2000.0249,"end":2000.5249,"sentiment":"neutral","sentiment_score":0.14805391430854797}],"sentiment":"neutral","sentiment_score":0.14805391430854797,"channel":0,"num_words":1,"start":2000.0249,"end":2000.5249},{"sentences":[{"text":"that's the money.","start":2000.13,"end":2000.85,"sentiment":"neutral","sentiment_score":0.16565193235874176},{"text":"And and, you know,","start":2000.85,"end":2002.0701,"sentiment":"neutral","sentiment_score":0.0489445892162621}],"sentiment":"neutral","sentiment_score":0.09896202199161053,"channel":1,"num_words":7,"start":2000.13,"end":2002.0701},{"sentences":[{"text":"No.","start":2001.705,"end":2002.0249,"sentiment":"neutral","sentiment_score":-0.010591313242912292},{"text":"It's good.","start":2002.0249,"end":2002.605,"sentiment":"neutral","sentiment_score":0.11671601235866547}],"sentiment":"neutral","sentiment_score":0.07428023715813954,"channel":0,"num_words":3,"start":2001.705,"end":2002.605},{"sentences":[{"text":"they can they can go jump.","start":2002.13,"end":2003.59,"sentiment":"neutral","sentiment_score":0.21992446730534235}],"sentiment":"neutral","sentiment_score":0.21992446730534235,"channel":1,"num_words":6,"start":2002.13,"end":2003.59},{"sentences":[{"text":"Absolutely.","start":2004.2649,"end":2004.7649,"sentiment":"neutral","sentiment_score":0.2913769781589508},{"text":"Absolutely.","start":2005.385,"end":2005.885,"sentiment":"neutral","sentiment_score":0.3041535019874573},{"text":"But now it's good that you've at least had that downtime to let your body recuperate back to where it is now.","start":2006.105,"end":2010.985,"sentiment":"positive","sentiment_score":0.46721101619980554},{"text":"So, hopefully,","start":2010.985,"end":2011.725,"sentiment":"neutral","sentiment_score":0.1317906603217125}],"sentiment":"positive","sentiment_score":0.4283751598917521,"channel":0,"num_words":26,"start":2004.2649,"end":2011.725},{"sentences":[{"text":"Oh, yeah.","start":2011.33,"end":2011.89,"sentiment":"neutral","sentiment_score":0.1402539610862732}],"sentiment":"neutral","sentiment_score":0.1402539610862732,"channel":1,"num_words":2,"start":2011.33,"end":2011.89},{"sentences":[{"text":"going","start":2011.7849,"end":2012.105,"sentiment":"neutral","sentiment_score":0.10461783409118652}],"sentiment":"neutral","sentiment_score":0.10461783409118652,"channel":0,"num_words":1,"start":2011.7849,"end":2012.105},{"sentences":[{"text":"My","start":2011.89,"end":2012.13,"sentiment":"neutral","sentiment_score":0.07983394712209702}],"sentiment":"neutral","sentiment_score":0.07983394712209702,"channel":1,"num_words":1,"start":2011.89,"end":2012.13},{"sentences":[{"text":"back","start":2012.105,"end":2012.2649,"sentiment":"neutral","sentiment_score":0.09814783930778503}],"sentiment":"neutral","sentiment_score":0.09814783930778503,"channel":0,"num_words":1,"start":2012.105,"end":2012.2649},{"sentences":[{"text":"word.","start":2012.13,"end":2012.505,"sentiment":"neutral","sentiment_score":0.0841052234172821}],"sentiment":"neutral","sentiment_score":0.0841052234172821,"channel":1,"num_words":1,"start":2012.13,"end":2012.505},{"sentences":[{"text":"to work is","start":2012.2649,"end":2012.985,"sentiment":"neutral","sentiment_score":0.09512350956598918}],"sentiment":"neutral","sentiment_score":0.09512350956598918,"channel":0,"num_words":3,"start":2012.2649,"end":2012.985},{"sentences":[{"text":"My word.","start":2012.825,"end":2013.385,"sentiment":"neutral","sentiment_score":0.09473394230008125}],"sentiment":"neutral","sentiment_score":0.09473394230008125,"channel":1,"num_words":2,"start":2012.825,"end":2013.385},{"sentences":[{"text":"the right","start":2012.985,"end":2013.385,"sentiment":"neutral","sentiment_score":0.13689060881733894}],"sentiment":"neutral","sentiment_score":0.13689060881733894,"channel":0,"num_words":2,"start":2012.985,"end":2013.385},{"sentences":[{"text":"It's","start":2013.385,"end":2013.545,"sentiment":"neutral","sentiment_score":0.1416252851486206}],"sentiment":"neutral","sentiment_score":0.1416252851486206,"channel":1,"num_words":1,"start":2013.385,"end":2013.545},{"sentences":[{"text":"thing.","start":2013.385,"end":2013.885,"sentiment":"neutral","sentiment_score":0.14516103267669678}],"sentiment":"neutral","sentiment_score":0.14516103267669678,"channel":0,"num_words":1,"start":2013.385,"end":2013.885},{"sentences":[{"text":"it's made","start":2013.545,"end":2014.025,"sentiment":"neutral","sentiment_score":0.13801217079162598}],"sentiment":"neutral","sentiment_score":0.13801217079162598,"channel":1,"num_words":2,"start":2013.545,"end":2014.025},{"sentences":[{"text":"Yeah.","start":2014.0249,"end":2014.5249,"sentiment":"neutral","sentiment_score":0.11770646274089812}],"sentiment":"neutral","sentiment_score":0.11770646274089812,"channel":0,"num_words":1,"start":2014.0249,"end":2014.5249},{"sentences":[{"text":"all the difference.","start":2014.025,"end":2014.585,"sentiment":"neutral","sentiment_score":0.12522877007722855},{"text":"Don't get me wrong.","start":2014.585,"end":2015.545,"sentiment":"neutral","sentiment_score":0.059769404120743275},{"text":"But,","start":2015.545,"end":2016.045,"sentiment":"neutral","sentiment_score":0.04891161620616913}],"sentiment":"neutral","sentiment_score":0.08295944286510348,"channel":1,"num_words":8,"start":2014.025,"end":2016.045},{"sentences":[{"text":"Yeah.","start":2016.0,"end":2016.5,"sentiment":"neutral","sentiment_score":0.10872090607881546}],"sentiment":"neutral","sentiment_score":0.10872090607881546,"channel":0,"num_words":1,"start":2016.0,"end":2016.5},{"sentences":[{"text":"yeah, I'm I'm re I'm ready to get back into it.","start":2016.105,"end":2018.505,"sentiment":"neutral","sentiment_score":0.21016179567033594},{"text":"So","start":2018.505,"end":2018.745,"sentiment":"neutral","sentiment_score":0.09849198907613754}],"sentiment":"neutral","sentiment_score":0.20085597845415273,"channel":1,"num_words":12,"start":2016.105,"end":2018.745},{"sentences":[{"text":"You're ready?","start":2018.8,"end":2019.54,"sentiment":"neutral","sentiment_score":0.09731463342905045}],"sentiment":"neutral","sentiment_score":0.09731463342905045,"channel":0,"num_words":2,"start":2018.8,"end":2019.54},{"sentences":[{"text":"yeah.","start":2019.785,"end":2020.285,"sentiment":"neutral","sentiment_score":0.06811043620109558}],"sentiment":"neutral","sentiment_score":0.06811043620109558,"channel":1,"num_words":1,"start":2019.785,"end":2020.285},{"sentences":[{"text":"No.","start":2021.3601,"end":2021.76,"sentiment":"neutral","sentiment_score":0.07487260550260544},{"text":"That's really good.","start":2021.76,"end":2022.8,"sentiment":"positive","sentiment_score":0.40607963999112445},{"text":"Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well.","start":2022.8,"end":2029.4401,"sentiment":"positive","sentiment_score":0.5959101584222581},{"text":"Makes a a bit of a difference to the budget, especially with the cost of living at the moment.","start":2029.4401,"end":2033.535,"sentiment":"neutral","sentiment_score":-0.07723928968373098},{"text":"It's pretty horrendous out there.","start":2033.535,"end":2034.895,"sentiment":"negative","sentiment_score":-0.5830627799034118}],"sentiment":"neutral","sentiment_score":0.2363604618067091,"channel":0,"num_words":55,"start":2021.3601,"end":2034.895},{"sentences":[{"text":"So","start":2034.895,"end":2035.395,"sentiment":"neutral","sentiment_score":-0.18488912284374237}],"sentiment":"neutral","sentiment_score":-0.18488912284374237,"channel":0,"num_words":1,"start":2034.895,"end":2035.395},{"sentences":[{"text":"There it is.","start":2035.06,"end":2035.38,"sentiment":"neutral","sentiment_score":-0.12487034251292546},{"text":"No.","start":2035.38,"end":2035.62,"sentiment":"neutral","sentiment_score":-0.14850828051567078},{"text":"That's it.","start":2035.62,"end":2036.1001,"sentiment":"neutral","sentiment_score":-0.13024383038282394},{"text":"Exactly right.","start":2036.1001,"end":2036.8201,"sentiment":"neutral","sentiment_score":0.007567534223198891},{"text":"Everything nothing's coming","start":2036.8201,"end":2037.8601,"sentiment":"neutral","sentiment_score":-0.0262350191672643}],"sentiment":"neutral","sentiment_score":-0.07701608707959001,"channel":1,"num_words":11,"start":2035.06,"end":2037.8601},{"sentences":[{"text":"Yeah.","start":2037.775,"end":2038.275,"sentiment":"neutral","sentiment_score":-0.05917789787054062}],"sentiment":"neutral","sentiment_score":-0.05917789787054062,"channel":0,"num_words":1,"start":2037.775,"end":2038.275},{"sentences":[{"text":"down, mate, too too well.","start":2037.8601,"end":2039.2201,"sentiment":"neutral","sentiment_score":-0.1803934693336487},{"text":"But,","start":2039.2201,"end":2039.7201,"sentiment":"neutral","sentiment_score":-0.049606986343860626}],"sentiment":"neutral","sentiment_score":-0.158595722168684,"channel":1,"num_words":6,"start":2037.8601,"end":2039.7201},{"sentences":[{"text":"No.","start":2039.295,"end":2039.795,"sentiment":"neutral","sentiment_score":-0.07458806037902832}],"sentiment":"neutral","sentiment_score":-0.07458806037902832,"channel":0,"num_words":1,"start":2039.295,"end":2039.795},{"sentences":[{"text":"yeah, it's, you know, you you see the other side of it too.","start":2040.02,"end":2043.095,"sentiment":"neutral","sentiment_score":-0.03648473852528976},{"text":"You're you're a mom, and","start":2043.095,"end":2044.315,"sentiment":"neutral","sentiment_score":0.02562375068664551}],"sentiment":"neutral","sentiment_score":-0.019232380410863295,"channel":1,"num_words":18,"start":2040.02,"end":2044.315},{"sentences":[{"text":"Yep.","start":2044.11,"end":2044.61,"sentiment":"neutral","sentiment_score":-0.01117897778749466}],"sentiment":"neutral","sentiment_score":-0.01117897778749466,"channel":0,"num_words":1,"start":2044.11,"end":2044.61},{"sentences":[{"text":"you're looking after the, you know, the","start":2044.455,"end":2046.855,"sentiment":"neutral","sentiment_score":0.004529137430446488}],"sentiment":"neutral","sentiment_score":0.004529137430446488,"channel":1,"num_words":7,"start":2044.455,"end":2046.855},{"sentences":[{"text":"Absolutely.","start":2046.83,"end":2047.33,"sentiment":"neutral","sentiment_score":0.036190055310726166}],"sentiment":"neutral","sentiment_score":0.036190055310726166,"channel":0,"num_words":1,"start":2046.83,"end":2047.33},{"sentences":[{"text":"household side, I guess, or whatever.","start":2046.855,"end":2049.175,"sentiment":"neutral","sentiment_score":0.017557276723285515},{"text":"But that's it.","start":2049.175,"end":2050.055,"sentiment":"neutral","sentiment_score":-0.016102724398175877},{"text":"And, you know, they're not making it easy for us, so we gotta try and grab what we can when","start":2050.055,"end":2055.53,"sentiment":"neutral","sentiment_score":-0.04896459216251969}],"sentiment":"neutral","sentiment_score":-0.0318019433139727,"channel":1,"num_words":29,"start":2046.855,"end":2055.53},{"sentences":[{"text":"Yeah.","start":2056.205,"end":2056.705,"sentiment":"neutral","sentiment_score":0.04675017297267914},{"text":"Absolutely.","start":2056.7651,"end":2057.2651,"sentiment":"positive","sentiment_score":0.36175304651260376},{"text":"Most definitely.","start":2057.725,"end":2058.705,"sentiment":"positive","sentiment_score":0.3658021241426468},{"text":"Yep.","start":2059.0051,"end":2059.405,"sentiment":"neutral","sentiment_score":0.2301412522792816},{"text":"No.","start":2059.405,"end":2059.725,"sentiment":"neutral","sentiment_score":0.16324782371520996}],"sentiment":"neutral","sentiment_score":0.255582757294178,"channel":0,"num_words":6,"start":2056.205,"end":2059.725},{"sentences":[{"text":"Absolutely.","start":2059.725,"end":2060.225,"sentiment":"positive","sentiment_score":0.38793250918388367},{"text":"All good.","start":2060.5251,"end":2061.345,"sentiment":"positive","sentiment_score":0.5863682329654694}],"sentiment":"positive","sentiment_score":0.5202229917049408,"channel":0,"num_words":3,"start":2059.725,"end":2061.345},{"sentences":[{"text":"we can.","start":2061.11,"end":2061.86,"sentiment":"positive","sentiment_score":0.5079662203788757}],"sentiment":"positive","sentiment_score":0.5079662203788757,"channel":1,"num_words":2,"start":2061.11,"end":2061.86},{"sentences":[{"text":"If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury.","start":2061.885,"end":2076.12,"sentiment":"neutral","sentiment_score":0.061489905789494516},{"text":"But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there.","start":2077.22,"end":2086.835,"sentiment":"neutral","sentiment_score":0.07228709692540376},{"text":"We're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817.","start":2086.9749,"end":2101.49,"sentiment":"neutral","sentiment_score":0.16144486949328454},{"text":"So it's a good increase on your contributions there.","start":2101.55,"end":2104.19,"sentiment":"positive","sentiment_score":0.6710007985432943},{"text":"There's more money going into super.","start":2104.19,"end":2106.37,"sentiment":"neutral","sentiment_score":0.3269348194201787}],"sentiment":"neutral","sentiment_score":0.14909668551648364,"channel":0,"num_words":119,"start":2061.885,"end":2106.37},{"sentences":[{"text":"It does increase the income the tax side of things on the contributions.","start":2107.035,"end":2111.295,"sentiment":"neutral","sentiment_score":0.1463415278838231},{"text":"So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go","start":2111.595,"end":2122.2898,"sentiment":"neutral","sentiment_score":0.08600783720612526}],"sentiment":"neutral","sentiment_score":0.10720616095774882,"channel":0,"num_words":37,"start":2107.035,"end":2122.2898},{"sentences":[{"text":"Yep.","start":2122.13,"end":2122.63,"sentiment":"neutral","sentiment_score":0.12167798727750778}],"sentiment":"neutral","sentiment_score":0.12167798727750778,"channel":1,"num_words":1,"start":2122.13,"end":2122.63},{"sentences":[{"text":"up to 3,072, but you can sort of see the difference there.","start":2122.2898,"end":2126.3699,"sentiment":"neutral","sentiment_score":0.06278090737760067},{"text":"The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name.","start":2126.3699,"end":2134.0498,"sentiment":"neutral","sentiment_score":-0.06901896791532636},{"text":"So,","start":2134.0498,"end":2134.5498,"sentiment":"neutral","sentiment_score":0.03686780482530594}],"sentiment":"neutral","sentiment_score":-0.023411257746251853,"channel":0,"num_words":37,"start":2122.2898,"end":2134.5498},{"sentences":[{"text":"Yeah.","start":2134.575,"end":2134.815,"sentiment":"neutral","sentiment_score":0.051401980221271515},{"text":"Yeah.","start":2134.815,"end":2135.135,"sentiment":"neutral","sentiment_score":0.05985309183597565},{"text":"Exactly.","start":2135.135,"end":2135.635,"sentiment":"neutral","sentiment_score":0.08924689143896103}],"sentiment":"neutral","sentiment_score":0.0668339878320694,"channel":1,"num_words":3,"start":2134.575,"end":2135.635},{"sentences":[{"text":"yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140.","start":2136.2751,"end":2152.59,"sentiment":"neutral","sentiment_score":0.06699977949675587},{"text":"It reduces down after we increase salary sacrifice to 8,124.","start":2152.77,"end":2159.13,"sentiment":"neutral","sentiment_score":0.13560172393918038},{"text":"So","start":2159.13,"end":2159.63,"sentiment":"neutral","sentiment_score":0.18048906326293945}],"sentiment":"neutral","sentiment_score":0.08401060350080754,"channel":0,"num_words":47,"start":2136.2751,"end":2159.63},{"sentences":[{"text":"Yep.","start":2159.265,"end":2159.765,"sentiment":"neutral","sentiment_score":0.27779972553253174}],"sentiment":"neutral","sentiment_score":0.27779972553253174,"channel":1,"num_words":1,"start":2159.265,"end":2159.765},{"sentences":[{"text":"you're saving easy","start":2159.77,"end":2161.3699,"sentiment":"positive","sentiment_score":0.363960067431132}],"sentiment":"positive","sentiment_score":0.363960067431132,"channel":0,"num_words":3,"start":2159.77,"end":2161.3699},{"sentences":[{"text":"Yes.","start":2161.265,"end":2161.765,"sentiment":"neutral","sentiment_score":0.2683979868888855}],"sentiment":"neutral","sentiment_score":0.2683979868888855,"channel":1,"num_words":1,"start":2161.265,"end":2161.765},{"sentences":[{"text":"just under, you know, $3 in tax there,","start":2161.3699,"end":2164.11,"sentiment":"neutral","sentiment_score":0.12997988611459732}],"sentiment":"neutral","sentiment_score":0.12997988611459732,"channel":0,"num_words":8,"start":2161.3699,"end":2164.11},{"sentences":[{"text":"Yeah.","start":2164.385,"end":2164.885,"sentiment":"neutral","sentiment_score":0.08932678401470184}],"sentiment":"neutral","sentiment_score":0.08932678401470184,"channel":1,"num_words":1,"start":2164.385,"end":2164.885},{"sentences":[{"text":"and you're","start":2164.65,"end":2165.13,"sentiment":"neutral","sentiment_score":0.06980274990200996}],"sentiment":"neutral","sentiment_score":0.06980274990200996,"channel":0,"num_words":2,"start":2164.65,"end":2165.13},{"sentences":[{"text":"I believe.","start":2164.945,"end":2165.505,"sentiment":"neutral","sentiment_score":0.06001758575439453}],"sentiment":"neutral","sentiment_score":0.06001758575439453,"channel":1,"num_words":2,"start":2164.945,"end":2165.505},{"sentences":[{"text":"only increasing","start":2165.13,"end":2165.93,"sentiment":"neutral","sentiment_score":0.023762554861605167}],"sentiment":"neutral","sentiment_score":0.023762554861605167,"channel":0,"num_words":2,"start":2165.13,"end":2165.93},{"sentences":[{"text":"Yeah.","start":2165.505,"end":2166.005,"sentiment":"neutral","sentiment_score":0.05719646438956261}],"sentiment":"neutral","sentiment_score":0.05719646438956261,"channel":1,"num_words":1,"start":2165.505,"end":2166.005},{"sentences":[{"text":"it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super.","start":2165.93,"end":2170.625,"sentiment":"neutral","sentiment_score":0.15258052246645093},{"text":"So it does make","start":2170.625,"end":2171.745,"sentiment":"neutral","sentiment_score":0.2812139205634594}],"sentiment":"neutral","sentiment_score":0.17830720208585263,"channel":0,"num_words":20,"start":2165.93,"end":2171.745},{"sentences":[{"text":"Yeah.","start":2171.6401,"end":2172.1401,"sentiment":"neutral","sentiment_score":0.2373589277267456}],"sentiment":"neutral","sentiment_score":0.2373589277267456,"channel":1,"num_words":1,"start":2171.6401,"end":2172.1401},{"sentences":[{"text":"quite a bit of a difference on the tax side of things, which is good.","start":2171.745,"end":2174.885,"sentiment":"positive","sentiment_score":0.3431398759285609},{"text":"And having more money inside Super, where it is concessionally tax, means that there's more money invested.","start":2175.345,"end":2181.49,"sentiment":"neutral","sentiment_score":0.26947989807847667},{"text":"So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in.","start":2181.49,"end":2190.13,"sentiment":"neutral","sentiment_score":0.08121276579119942},{"text":"So because it's tax free when it comes out, we can","start":2190.13,"end":2193.595,"sentiment":"neutral","sentiment_score":0.319434482942928}],"sentiment":"neutral","sentiment_score":0.20950074986505665,"channel":0,"num_words":76,"start":2171.745,"end":2193.595},{"sentences":[{"text":"Yes.","start":2193.56,"end":2194.06,"sentiment":"neutral","sentiment_score":0.30703049898147583}],"sentiment":"neutral","sentiment_score":0.30703049898147583,"channel":1,"num_words":1,"start":2193.56,"end":2194.06},{"sentences":[{"text":"take less out than we need to put in.","start":2193.595,"end":2195.355,"sentiment":"positive","sentiment_score":0.4378861155774858},{"text":"So you're putting more money in.","start":2195.355,"end":2196.635,"sentiment":"positive","sentiment_score":0.5706392725308737},{"text":"It's taxed more concessionally,","start":2196.635,"end":2198.0151,"sentiment":"positive","sentiment_score":0.4753022789955139}],"sentiment":"positive","sentiment_score":0.48768525217708786,"channel":0,"num_words":19,"start":2193.595,"end":2198.0151},{"sentences":[{"text":"Yes.","start":2198.92,"end":2199.42,"sentiment":"positive","sentiment_score":0.44388699531555176}],"sentiment":"positive","sentiment_score":0.44388699531555176,"channel":1,"num_words":1,"start":2198.92,"end":2199.42},{"sentences":[{"text":"but then you're also saving on your insurance premiums and the fees for the investments, which as well.","start":2198.955,"end":2204.335,"sentiment":"positive","sentiment_score":0.6148755898078283},{"text":"So all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time.","start":2204.475,"end":2212.8098,"sentiment":"positive","sentiment_score":0.6801939570542538},{"text":"Does that make","start":2212.8098,"end":2213.45,"sentiment":"neutral","sentiment_score":0.18101786077022552}],"sentiment":"positive","sentiment_score":0.6306891626229992,"channel":0,"num_words":54,"start":2198.955,"end":2213.45},{"sentences":[{"text":"Yes.","start":2213.2952,"end":2213.7952,"sentiment":"neutral","sentiment_score":0.15899109840393066}],"sentiment":"neutral","sentiment_score":0.15899109840393066,"channel":1,"num_words":1,"start":2213.2952,"end":2213.7952},{"sentences":[{"text":"sense?","start":2213.45,"end":2213.95,"sentiment":"neutral","sentiment_score":0.1082669198513031}],"sentiment":"neutral","sentiment_score":0.1082669198513031,"channel":0,"num_words":1,"start":2213.45,"end":2213.95},{"sentences":[{"text":"Oh, my","start":2214.0952,"end":2214.495,"sentiment":"neutral","sentiment_score":0.033958736807107925}],"sentiment":"neutral","sentiment_score":0.033958736807107925,"channel":1,"num_words":2,"start":2214.0952,"end":2214.495},{"sentences":[{"text":"Yeah.","start":2214.3298,"end":2214.8298,"sentiment":"neutral","sentiment_score":0.03241824731230736}],"sentiment":"neutral","sentiment_score":0.03241824731230736,"channel":0,"num_words":1,"start":2214.3298,"end":2214.8298},{"sentences":[{"text":"word.","start":2214.495,"end":2214.8152,"sentiment":"neutral","sentiment_score":0.035888899117708206},{"text":"Yes.","start":2214.8152,"end":2215.215,"sentiment":"neutral","sentiment_score":0.06569322943687439},{"text":"Yep.","start":2215.215,"end":2215.715,"sentiment":"neutral","sentiment_score":0.10147999972105026},{"text":"Yep.","start":2216.2551,"end":2216.7551,"sentiment":"neutral","sentiment_score":0.197128102183342}],"sentiment":"neutral","sentiment_score":0.10004755761474371,"channel":1,"num_words":4,"start":2214.495,"end":2216.7551},{"sentences":[{"text":"Beautiful.","start":2216.89,"end":2217.39,"sentiment":"positive","sentiment_score":0.5882493257522583},{"text":"We have outlined that the, again, the advantages, the disadvantages, the risks involved.","start":2218.3298,"end":2222.865,"sentiment":"neutral","sentiment_score":0.043530324330696694},{"text":"Obviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy.","start":2223.325,"end":2229.9648,"sentiment":"neutral","sentiment_score":-0.2633066972096761},{"text":"So it does mean we do need to review the strategy when your income","start":2229.9648,"end":2233.565,"sentiment":"neutral","sentiment_score":-0.029045106044837406}],"sentiment":"neutral","sentiment_score":-0.10715093606939682,"channel":0,"num_words":52,"start":2216.89,"end":2233.565},{"sentences":[{"text":"Yes.","start":2233.4001,"end":2233.665,"sentiment":"neutral","sentiment_score":0.08735178411006927}],"sentiment":"neutral","sentiment_score":0.08735178411006927,"channel":1,"num_words":1,"start":2233.4001,"end":2233.665},{"sentences":[{"text":"does happen to change to make sure it is working and in line.","start":2233.565,"end":2236.785,"sentiment":"neutral","sentiment_score":0.13366147703849351},{"text":"If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter.","start":2237.31,"end":2242.51,"sentiment":"neutral","sentiment_score":-0.2710546872445515},{"text":"But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment.","start":2242.51,"end":2252.1902,"sentiment":"neutral","sentiment_score":-0.3235921550814698},{"text":"So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy.","start":2252.1902,"end":2264.905,"sentiment":"neutral","sentiment_score":0.026464308188720184}],"sentiment":"neutral","sentiment_score":-0.13493611788799784,"channel":0,"num_words":119,"start":2233.565,"end":2264.905},{"sentences":[{"text":"Yes.","start":2265.655,"end":2266.155,"sentiment":"neutral","sentiment_score":0.2908923029899597}],"sentiment":"neutral","sentiment_score":0.2908923029899597,"channel":1,"num_words":1,"start":2265.655,"end":2266.155},{"sentences":[{"text":"The benefits are, again, that you save a bit of tax.","start":2266.65,"end":2269.29,"sentiment":"positive","sentiment_score":0.5151143886826255},{"text":"The tax inside of Super is 15% compared to your marginal tax rate.","start":2269.29,"end":2273.47,"sentiment":"positive","sentiment_score":0.37379258985702807},{"text":"That's basically half your marginal tax rate, which is insane.","start":2273.93,"end":2277.55,"sentiment":"positive","sentiment_score":0.40558311343193054},{"text":"So you do end up with more","start":2278.365,"end":2279.565,"sentiment":"positive","sentiment_score":0.6141646759850639}],"sentiment":"positive","sentiment_score":0.46050111731378046,"channel":0,"num_words":41,"start":2266.65,"end":2279.565},{"sentences":[{"text":"Yes.","start":2279.5,"end":2280.0,"sentiment":"positive","sentiment_score":0.34178078174591064}],"sentiment":"positive","sentiment_score":0.34178078174591064,"channel":1,"num_words":1,"start":2279.5,"end":2280.0},{"sentences":[{"text":"money invested and compounding forward towards your future goals.","start":2279.565,"end":2283.425,"sentiment":"positive","sentiment_score":0.5933279494444529},{"text":"And these strategies can be altered and changed as we need to as well.","start":2283.885,"end":2287.565,"sentiment":"positive","sentiment_score":0.3613591690414718},{"text":"So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you.","start":2287.565,"end":2301.21,"sentiment":"neutral","sentiment_score":0.06049829210306323},{"text":"Okay?","start":2301.21,"end":2301.71,"sentiment":"neutral","sentiment_score":0.04580634832382202}],"sentiment":"neutral","sentiment_score":0.19471959433337646,"channel":0,"num_words":67,"start":2279.565,"end":2301.71},{"sentences":[{"text":"Yep.","start":2301.635,"end":2302.035,"sentiment":"neutral","sentiment_score":0.0977015495300293},{"text":"No.","start":2302.035,"end":2302.195,"sentiment":"neutral","sentiment_score":0.13770776987075806},{"text":"It sounds good, Mike.","start":2302.195,"end":2303.315,"sentiment":"positive","sentiment_score":0.41368017345666885},{"text":"Sounds good.","start":2303.315,"end":2304.135,"sentiment":"positive","sentiment_score":0.6153741776943207}],"sentiment":"positive","sentiment_score":0.390109796077013,"channel":1,"num_words":8,"start":2301.635,"end":2304.135},{"sentences":[{"text":"Beautiful.","start":2303.85,"end":2304.35,"sentiment":"positive","sentiment_score":0.6763055920600891},{"text":"Beautiful.","start":2304.81,"end":2305.31,"sentiment":"positive","sentiment_score":0.5802551507949829},{"text":"Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there.","start":2306.33,"end":2316.7249,"sentiment":"neutral","sentiment_score":0.07162469700985663},{"text":"The first one is the TTR pension account.","start":2317.265,"end":2319.825,"sentiment":"neutral","sentiment_score":0.041188426315784454},{"text":"The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there.","start":2319.825,"end":2327.44,"sentiment":"neutral","sentiment_score":0.060697148218750954}],"sentiment":"neutral","sentiment_score":0.07991125900298357,"channel":0,"num_words":72,"start":2303.85,"end":2327.44},{"sentences":[{"text":"You do pay the ongoing service fee of 1.6 oh, sorry.","start":2327.98,"end":2331.34,"sentiment":"neutral","sentiment_score":0.02730100043118},{"text":"1.1%.","start":2331.34,"end":2332.96,"sentiment":"neutral","sentiment_score":0.028348319232463837},{"text":"That will remain.","start":2333.58,"end":2334.6401,"sentiment":"neutral","sentiment_score":0.02705351697901885},{"text":"It's that's the joint because you and Carrie are both clients.","start":2334.7,"end":2337.665,"sentiment":"neutral","sentiment_score":0.05006651072339578},{"text":"So 1.1% per annum, and that is deducted in smaller monthly increments there.","start":2337.665,"end":2342.625,"sentiment":"neutral","sentiment_score":0.04171701019199995}],"sentiment":"neutral","sentiment_score":0.03853519552220137,"channel":0,"num_words":39,"start":2327.98,"end":2342.625},{"sentences":[{"text":"So that is essentially prorated across the both accounts, the super and the TCR pension account.","start":2342.625,"end":2347.605,"sentiment":"neutral","sentiment_score":0.04683959227986634}],"sentiment":"neutral","sentiment_score":0.04683959227986634,"channel":0,"num_words":16,"start":2342.625,"end":2347.605},{"sentences":[{"text":"Okay.","start":2348.035,"end":2348.535,"sentiment":"neutral","sentiment_score":0.040081508457660675}],"sentiment":"neutral","sentiment_score":0.040081508457660675,"channel":1,"num_words":1,"start":2348.035,"end":2348.535},{"sentences":[{"text":"And that's sort of showing on page number 40.","start":2348.145,"end":2351.55,"sentiment":"neutral","sentiment_score":0.04556757708390554},{"text":"We've got another sort of fee comparison table there, and","start":2351.55,"end":2355.2302,"sentiment":"neutral","sentiment_score":0.054257715865969655}],"sentiment":"neutral","sentiment_score":0.050141334337623494,"channel":0,"num_words":19,"start":2348.145,"end":2355.2302},{"sentences":[{"text":"Yep.","start":2355.075,"end":2355.575,"sentiment":"neutral","sentiment_score":0.06203668937087059}],"sentiment":"neutral","sentiment_score":0.06203668937087059,"channel":1,"num_words":1,"start":2355.075,"end":2355.575},{"sentences":[{"text":"that shows the adviser fee spread across the two accounts there for you.","start":2355.2302,"end":2359.01,"sentiment":"neutral","sentiment_score":0.0508071116816539},{"text":"We're opening up a secondary account.","start":2359.87,"end":2361.9502,"sentiment":"neutral","sentiment_score":0.06970828585326672},{"text":"So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account.","start":2361.9502,"end":2368.085,"sentiment":"neutral","sentiment_score":0.05615418590605259},{"text":"So you will pay a","start":2368.085,"end":2368.885,"sentiment":"neutral","sentiment_score":0.048092324286699295}],"sentiment":"neutral","sentiment_score":0.05550653423944658,"channel":0,"num_words":44,"start":2355.2302,"end":2368.885},{"sentences":[{"text":"Yep.","start":2368.75,"end":2369.25,"sentiment":"neutral","sentiment_score":0.05063018947839737}],"sentiment":"neutral","sentiment_score":0.05063018947839737,"channel":1,"num_words":1,"start":2368.75,"end":2369.25},{"sentences":[{"text":"bit more in admin fees across the two investment fees","start":2368.885,"end":2371.865,"sentiment":"neutral","sentiment_score":0.021380473300814627}],"sentiment":"neutral","sentiment_score":0.021380473300814627,"channel":0,"num_words":10,"start":2368.885,"end":2371.865},{"sentences":[{"text":"Yep.","start":2371.3901,"end":2371.8901,"sentiment":"neutral","sentiment_score":0.04247821122407913}],"sentiment":"neutral","sentiment_score":0.04247821122407913,"channel":1,"num_words":1,"start":2371.3901,"end":2371.8901},{"sentences":[{"text":"across the two.","start":2372.405,"end":2373.125,"sentiment":"neutral","sentiment_score":0.03148957466085752},{"text":"But overall, the admin fees oh, sorry.","start":2373.125,"end":2375.685,"sentiment":"neutral","sentiment_score":0.04470517752426011},{"text":"The investment fees are still gonna be saved because","start":2375.685,"end":2378.885,"sentiment":"neutral","sentiment_score":0.07796139932341045}],"sentiment":"neutral","sentiment_score":0.05837145055595197,"channel":0,"num_words":19,"start":2372.405,"end":2378.885},{"sentences":[{"text":"Yes.","start":2378.59,"end":2379.015,"sentiment":"neutral","sentiment_score":0.12896010279655457}],"sentiment":"neutral","sentiment_score":0.12896010279655457,"channel":1,"num_words":1,"start":2378.59,"end":2379.015},{"sentences":[{"text":"the portfolio that we're investing in is overall cheaper.","start":2378.885,"end":2382.06,"sentiment":"neutral","sentiment_score":0.11562851485278872},{"text":"Okay?","start":2382.62,"end":2383.12,"sentiment":"neutral","sentiment_score":0.05844661593437195}],"sentiment":"neutral","sentiment_score":0.10991032496094703,"channel":0,"num_words":10,"start":2378.885,"end":2383.12},{"sentences":[{"text":"Yep.","start":2383.4148,"end":2383.6548,"sentiment":"neutral","sentiment_score":0.06571435183286667},{"text":"No worries.","start":2383.6548,"end":2384.3948,"sentiment":"neutral","sentiment_score":0.1351841576397419}],"sentiment":"neutral","sentiment_score":0.11202755570411682,"channel":1,"num_words":3,"start":2383.4148,"end":2384.3948},{"sentences":[{"text":"Beautiful.","start":2384.54,"end":2385.04,"sentiment":"neutral","sentiment_score":0.28563112020492554},{"text":"And then, yeah, the portfolio, we do sort of hope works a little bit harder for you.","start":2385.98,"end":2389.9001,"sentiment":"neutral","sentiment_score":0.0057076636482687555},{"text":"We can do catch ups as we're going through to see how things are working.","start":2389.9001,"end":2393.28,"sentiment":"neutral","sentiment_score":0.06422512779633203}],"sentiment":"neutral","sentiment_score":0.04078903997486288,"channel":0,"num_words":33,"start":2384.54,"end":2393.28},{"sentences":[{"text":"Mhmm.","start":2393.7349,"end":2394.2349,"sentiment":"neutral","sentiment_score":0.014941919595003128}],"sentiment":"neutral","sentiment_score":0.014941919595003128,"channel":1,"num_words":1,"start":2393.7349,"end":2394.2349},{"sentences":[{"text":"Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a","start":2393.82,"end":2400.035,"sentiment":"neutral","sentiment_score":0.02949431133938247}],"sentiment":"neutral","sentiment_score":0.02949431133938247,"channel":0,"num_words":29,"start":2393.82,"end":2400.035},{"sentences":[{"text":"That'd","start":2400.0,"end":2400.24,"sentiment":"neutral","sentiment_score":0.032554615288972855}],"sentiment":"neutral","sentiment_score":0.032554615288972855,"channel":1,"num_words":1,"start":2400.0,"end":2400.24},{"sentences":[{"text":"full annual","start":2400.035,"end":2400.595,"sentiment":"neutral","sentiment_score":0.04193448647856712}],"sentiment":"neutral","sentiment_score":0.04193448647856712,"channel":0,"num_words":2,"start":2400.035,"end":2400.595},{"sentences":[{"text":"be fine.","start":2400.24,"end":2400.9,"sentiment":"neutral","sentiment_score":0.039963461458683014}],"sentiment":"neutral","sentiment_score":0.039963461458683014,"channel":1,"num_words":2,"start":2400.24,"end":2400.9},{"sentences":[{"text":"review in","start":2400.595,"end":2400.9949,"sentiment":"neutral","sentiment_score":0.00957065774127841}],"sentiment":"neutral","sentiment_score":0.00957065774127841,"channel":0,"num_words":2,"start":2400.595,"end":2400.9949},{"sentences":[{"text":"Yeah.","start":2400.96,"end":2401.46,"sentiment":"neutral","sentiment_score":0.012623503804206848}],"sentiment":"neutral","sentiment_score":0.012623503804206848,"channel":1,"num_words":1,"start":2400.96,"end":2401.46},{"sentences":[{"text":"twelve months?","start":2400.9949,"end":2401.635,"sentiment":"neutral","sentiment_score":0.003379068337380886},{"text":"Would","start":2401.635,"end":2401.875,"sentiment":"neutral","sentiment_score":0.0002203136682510376}],"sentiment":"neutral","sentiment_score":0.002326150114337603,"channel":0,"num_words":3,"start":2400.9949,"end":2401.875},{"sentences":[{"text":"Yeah.","start":2401.84,"end":2402.24,"sentiment":"neutral","sentiment_score":0.003293401561677456}],"sentiment":"neutral","sentiment_score":0.003293401561677456,"channel":1,"num_words":1,"start":2401.84,"end":2402.24},{"sentences":[{"text":"that be","start":2401.875,"end":2402.355,"sentiment":"neutral","sentiment_score":-0.01508846040815115}],"sentiment":"neutral","sentiment_score":-0.01508846040815115,"channel":0,"num_words":2,"start":2401.875,"end":2402.355},{"sentences":[{"text":"No.","start":2402.24,"end":2402.48,"sentiment":"neutral","sentiment_score":-0.031223736703395844}],"sentiment":"neutral","sentiment_score":-0.031223736703395844,"channel":1,"num_words":1,"start":2402.24,"end":2402.48},{"sentences":[{"text":"okay?","start":2402.355,"end":2402.835,"sentiment":"neutral","sentiment_score":0.0008763717487454414}],"sentiment":"neutral","sentiment_score":0.0008763717487454414,"channel":0,"num_words":1,"start":2402.355,"end":2402.835},{"sentences":[{"text":"That'd be","start":2402.48,"end":2402.88,"sentiment":"neutral","sentiment_score":0.02639474906027317}],"sentiment":"neutral","sentiment_score":0.02639474906027317,"channel":1,"num_words":2,"start":2402.48,"end":2402.88},{"sentences":[{"text":"Yep.","start":2402.835,"end":2403.335,"sentiment":"neutral","sentiment_score":0.049682460725307465}],"sentiment":"neutral","sentiment_score":0.049682460725307465,"channel":0,"num_words":1,"start":2402.835,"end":2403.335},{"sentences":[{"text":"fine.","start":2402.88,"end":2403.36,"sentiment":"neutral","sentiment_score":0.08169429749250412},{"text":"Yeah.","start":2403.36,"end":2403.86,"sentiment":"neutral","sentiment_score":0.05889621749520302}],"sentiment":"neutral","sentiment_score":0.07029525749385357,"channel":1,"num_words":2,"start":2402.88,"end":2403.86},{"sentences":[{"text":"Yep.","start":2403.9548,"end":2404.4548,"sentiment":"neutral","sentiment_score":0.02786862291395664},{"text":"Beautiful.","start":2404.515,"end":2405.015,"sentiment":"positive","sentiment_score":0.6657922863960266},{"text":"And I'll make a note here that the first thing we'll look at doing take some time to read it through.","start":2405.795,"end":2410.355,"sentiment":"neutral","sentiment_score":0.17174225690818967},{"text":"Let me know if you do happen to have any questions there.","start":2410.355,"end":2412.775,"sentiment":"neutral","sentiment_score":0.08999341788391273},{"text":"We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and","start":2413.26,"end":2420.22,"sentiment":"neutral","sentiment_score":0.048004774609580636}],"sentiment":"neutral","sentiment_score":0.11071667643421787,"channel":0,"num_words":59,"start":2403.9548,"end":2420.22},{"sentences":[{"text":"Mhmm.","start":2420.0752,"end":2420.155,"sentiment":"neutral","sentiment_score":0.03249610960483551},{"text":"Yep.","start":2420.155,"end":2420.655,"sentiment":"neutral","sentiment_score":0.05901532620191574}],"sentiment":"neutral","sentiment_score":0.045755717903375626,"channel":1,"num_words":2,"start":2420.0752,"end":2420.655},{"sentences":[{"text":"then we go into the pension account.","start":2420.22,"end":2421.98,"sentiment":"neutral","sentiment_score":0.04175065644085407},{"text":"So once you get your first payslip after going back, if you can just shoot that through to me, I can just","start":2421.98,"end":2427.075,"sentiment":"neutral","sentiment_score":0.05497292141345414}],"sentiment":"neutral","sentiment_score":0.051781340213171365,"channel":0,"num_words":29,"start":2420.22,"end":2427.075},{"sentences":[{"text":"Yep.","start":2427.05,"end":2427.55,"sentiment":"neutral","sentiment_score":0.04929910600185394}],"sentiment":"neutral","sentiment_score":0.04929910600185394,"channel":1,"num_words":1,"start":2427.05,"end":2427.55},{"sentences":[{"text":"run the numbers again.","start":2427.075,"end":2428.195,"sentiment":"neutral","sentiment_score":0.050052709877491},{"text":"And if there's something I need to alter or change,","start":2428.195,"end":2430.9949,"sentiment":"neutral","sentiment_score":0.02249259501695633}],"sentiment":"neutral","sentiment_score":0.030366913548537662,"channel":0,"num_words":14,"start":2427.075,"end":2430.9949},{"sentences":[{"text":"Yep.","start":2431.05,"end":2431.55,"sentiment":"neutral","sentiment_score":0.053229641169309616}],"sentiment":"neutral","sentiment_score":0.053229641169309616,"channel":1,"num_words":1,"start":2431.05,"end":2431.55},{"sentences":[{"text":"I can just update that advice prior to us moving into the pension phase for you.","start":2431.2349,"end":2435.2349,"sentiment":"neutral","sentiment_score":0.08001526002772152},{"text":"Is that okay?","start":2435.2349,"end":2436.135,"sentiment":"neutral","sentiment_score":0.061684673031171165}],"sentiment":"neutral","sentiment_score":0.0771209568177399,"channel":0,"num_words":19,"start":2431.2349,"end":2436.135},{"sentences":[{"text":"Not not a","start":2436.49,"end":2436.8901,"sentiment":"neutral","sentiment_score":-0.006292248765627543}],"sentiment":"neutral","sentiment_score":-0.006292248765627543,"channel":1,"num_words":3,"start":2436.49,"end":2436.8901},{"sentences":[{"text":"Yeah.","start":2436.835,"end":2437.335,"sentiment":"neutral","sentiment_score":0.0718269795179367}],"sentiment":"neutral","sentiment_score":0.0718269795179367,"channel":0,"num_words":1,"start":2436.835,"end":2437.335},{"sentences":[{"text":"problem, mate.","start":2436.8901,"end":2437.37,"sentiment":"neutral","sentiment_score":0.2548089474439621},{"text":"That'd be great.","start":2437.37,"end":2438.01,"sentiment":"positive","sentiment_score":0.6756591200828552},{"text":"Thank you.","start":2438.01,"end":2438.625,"sentiment":"positive","sentiment_score":0.6932060122489929}],"sentiment":"positive","sentiment_score":0.5604296113763537,"channel":1,"num_words":7,"start":2436.8901,"end":2438.625},{"sentences":[{"text":"Beautiful.","start":2438.675,"end":2439.175,"sentiment":"positive","sentiment_score":0.6261537075042725},{"text":"That's okay.","start":2439.315,"end":2440.215,"sentiment":"positive","sentiment_score":0.3427743762731552},{"text":"I know it is a lot.","start":2440.595,"end":2441.635,"sentiment":"neutral","sentiment_score":0.10291505356629689},{"text":"Do you have any questions for me at the moment?","start":2441.635,"end":2444.21,"sentiment":"neutral","sentiment_score":0.03055690452456474},{"text":"Or","start":2444.27,"end":2444.52,"sentiment":"neutral","sentiment_score":0.001716766506433487}],"sentiment":"neutral","sentiment_score":0.11182392966002226,"channel":0,"num_words":20,"start":2438.675,"end":2444.52},{"sentences":[{"text":"No, mate.","start":2445.105,"end":2445.825,"sentiment":"neutral","sentiment_score":-0.028372321277856827},{"text":"No.","start":2445.825,"end":2446.065,"sentiment":"neutral","sentiment_score":-0.05819584056735039},{"text":"It's just a matter of it.","start":2446.065,"end":2447.105,"sentiment":"neutral","sentiment_score":-0.02015448547899723},{"text":"It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there.","start":2447.105,"end":2455.76,"sentiment":"neutral","sentiment_score":0.1388785443865718},{"text":"But,","start":2455.76,"end":2456.26,"sentiment":"neutral","sentiment_score":-0.003423195332288742}],"sentiment":"neutral","sentiment_score":0.10565250285197886,"channel":1,"num_words":49,"start":2445.105,"end":2456.26},{"sentences":[{"text":"Yeah.","start":2456.285,"end":2456.785,"sentiment":"neutral","sentiment_score":-0.002667296677827835}],"sentiment":"neutral","sentiment_score":-0.002667296677827835,"channel":0,"num_words":1,"start":2456.285,"end":2456.785},{"sentences":[{"text":"you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you","start":2456.88,"end":2464.175,"sentiment":"neutral","sentiment_score":-0.08366372560461362}],"sentiment":"neutral","sentiment_score":-0.08366372560461362,"channel":1,"num_words":24,"start":2456.88,"end":2464.175},{"sentences":[{"text":"Yeah.","start":2463.9648,"end":2464.4648,"sentiment":"neutral","sentiment_score":-0.023940350860357285}],"sentiment":"neutral","sentiment_score":-0.023940350860357285,"channel":0,"num_words":1,"start":2463.9648,"end":2464.4648},{"sentences":[{"text":"know, like, in the long run sort of thing.","start":2465.195,"end":2467.435,"sentiment":"neutral","sentiment_score":-0.019010532233450148},{"text":"But, I mean, yeah, I'm I'm I'm happy with what we've ended up with.","start":2467.435,"end":2471.2751,"sentiment":"neutral","sentiment_score":0.09619652799197606},{"text":"That's, you know, that's","start":2471.2751,"end":2472.635,"sentiment":"neutral","sentiment_score":0.04581668321043253}],"sentiment":"neutral","sentiment_score":0.05033049387512384,"channel":1,"num_words":27,"start":2465.195,"end":2472.635},{"sentences":[{"text":"Yeah.","start":2472.46,"end":2472.96,"sentiment":"neutral","sentiment_score":0.06172612309455872}],"sentiment":"neutral","sentiment_score":0.06172612309455872,"channel":0,"num_words":1,"start":2472.46,"end":2472.96},{"sentences":[{"text":"I'm I'm glad","start":2472.715,"end":2473.355,"sentiment":"neutral","sentiment_score":0.2128116339445114}],"sentiment":"neutral","sentiment_score":0.2128116339445114,"channel":1,"num_words":3,"start":2472.715,"end":2473.355},{"sentences":[{"text":"Perfect.","start":2473.26,"end":2473.76,"sentiment":"neutral","sentiment_score":0.32581794261932373}],"sentiment":"neutral","sentiment_score":0.32581794261932373,"channel":0,"num_words":1,"start":2473.26,"end":2473.76},{"sentences":[{"text":"you sort of think about that.","start":2473.355,"end":2475.5352,"sentiment":"neutral","sentiment_score":0.2173090105255445},{"text":"So,","start":2475.93,"end":2476.0898,"sentiment":"neutral","sentiment_score":0.05891481041908264}],"sentiment":"neutral","sentiment_score":0.1946812676531928,"channel":1,"num_words":7,"start":2473.355,"end":2476.0898},{"sentences":[{"text":"Yep.","start":2475.98,"end":2476.48,"sentiment":"neutral","sentiment_score":0.04253314435482025}],"sentiment":"neutral","sentiment_score":0.04253314435482025,"channel":0,"num_words":1,"start":2475.98,"end":2476.48},{"sentences":[{"text":"you know, and I talked to Carrie or whatever, and and I said,","start":2476.0898,"end":2479.93,"sentiment":"neutral","sentiment_score":0.03356839200625053}],"sentiment":"neutral","sentiment_score":0.03356839200625053,"channel":1,"num_words":13,"start":2476.0898,"end":2479.93},{"sentences":[{"text":"Yeah.","start":2479.835,"end":2480.335,"sentiment":"neutral","sentiment_score":0.030501589179039}],"sentiment":"neutral","sentiment_score":0.030501589179039,"channel":0,"num_words":1,"start":2479.835,"end":2480.335},{"sentences":[{"text":"well, we're we're still getting a benefit or you still get a benefit.","start":2479.93,"end":2482.91,"sentiment":"neutral","sentiment_score":0.03404090868738981},{"text":"But","start":2483.13,"end":2483.63,"sentiment":"neutral","sentiment_score":0.008467115461826324}],"sentiment":"neutral","sentiment_score":0.03221420917127814,"channel":1,"num_words":14,"start":2479.93,"end":2483.63},{"sentences":[{"text":"Yeah.","start":2484.075,"end":2484.2349,"sentiment":"neutral","sentiment_score":-0.0012942804023623466},{"text":"Yeah.","start":2484.2349,"end":2484.7349,"sentiment":"neutral","sentiment_score":-0.0017900224775075912}],"sentiment":"neutral","sentiment_score":-0.001542151439934969,"channel":0,"num_words":2,"start":2484.075,"end":2484.7349},{"sentences":[{"text":"but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go.","start":2484.25,"end":2491.125,"sentiment":"neutral","sentiment_score":-0.027199331529118354},{"text":"So,","start":2491.125,"end":2491.625,"sentiment":"neutral","sentiment_score":0.012909001670777798}],"sentiment":"neutral","sentiment_score":-0.025713837706899976,"channel":1,"num_words":27,"start":2484.25,"end":2491.625},{"sentences":[{"text":"Yeah.","start":2491.85,"end":2492.35,"sentiment":"neutral","sentiment_score":0.016921352595090866}],"sentiment":"neutral","sentiment_score":0.016921352595090866,"channel":0,"num_words":1,"start":2491.85,"end":2492.35},{"sentences":[{"text":"you know","start":2492.6448,"end":2493.2249,"sentiment":"neutral","sentiment_score":0.008350323885679245}],"sentiment":"neutral","sentiment_score":0.008350323885679245,"channel":1,"num_words":2,"start":2492.6448,"end":2493.2249},{"sentences":[{"text":"Yeah.","start":2493.2102,"end":2493.7102,"sentiment":"neutral","sentiment_score":0.020553790032863617}],"sentiment":"neutral","sentiment_score":0.020553790032863617,"channel":0,"num_words":1,"start":2493.2102,"end":2493.7102},{"sentences":[{"text":"yeah.","start":2494.005,"end":2494.4849,"sentiment":"neutral","sentiment_score":0.01734042912721634}],"sentiment":"neutral","sentiment_score":0.01734042912721634,"channel":1,"num_words":1,"start":2494.005,"end":2494.4849},{"sentences":[{"text":"No.","start":2494.33,"end":2494.57,"sentiment":"neutral","sentiment_score":0.018880745396018028}],"sentiment":"neutral","sentiment_score":0.018880745396018028,"channel":0,"num_words":1,"start":2494.33,"end":2494.57},{"sentences":[{"text":"Just","start":2494.4849,"end":2494.7249,"sentiment":"neutral","sentiment_score":0.05067948251962662}],"sentiment":"neutral","sentiment_score":0.05067948251962662,"channel":1,"num_words":1,"start":2494.4849,"end":2494.7249},{"sentences":[{"text":"That's","start":2494.57,"end":2494.97,"sentiment":"neutral","sentiment_score":0.2593851685523987}],"sentiment":"neutral","sentiment_score":0.2593851685523987,"channel":0,"num_words":1,"start":2494.57,"end":2494.97},{"sentences":[{"text":"just","start":2494.7249,"end":2495.2048,"sentiment":"neutral","sentiment_score":0.27685099840164185}],"sentiment":"neutral","sentiment_score":0.27685099840164185,"channel":1,"num_words":1,"start":2494.7249,"end":2495.2048},{"sentences":[{"text":"perfect.","start":2494.97,"end":2495.47,"sentiment":"neutral","sentiment_score":0.32879066467285156}],"sentiment":"neutral","sentiment_score":0.32879066467285156,"channel":0,"num_words":1,"start":2494.97,"end":2495.47},{"sentences":[{"text":"just keeping her covered.","start":2495.2048,"end":2496.585,"sentiment":"neutral","sentiment_score":0.15634514018893242}],"sentiment":"neutral","sentiment_score":0.15634514018893242,"channel":1,"num_words":4,"start":2495.2048,"end":2496.585},{"sentences":[{"text":"Yeah.","start":2497.37,"end":2497.85,"sentiment":"neutral","sentiment_score":0.008883703500032425},{"text":"No.","start":2497.85,"end":2498.09,"sentiment":"neutral","sentiment_score":-0.016352608799934387},{"text":"That's absolutely perfect.","start":2498.09,"end":2499.47,"sentiment":"positive","sentiment_score":0.8809508482615153},{"text":"That's fantastic.","start":2499.53,"end":2500.35,"sentiment":"positive","sentiment_score":0.8899462223052979},{"text":"Well, I'm glad that I was able to put this together for you.","start":2501.4502,"end":2504.125,"sentiment":"positive","sentiment_score":0.72559143946721}],"sentiment":"positive","sentiment_score":0.6923982398584485,"channel":0,"num_words":20,"start":2497.37,"end":2504.125},{"sentences":[{"text":"Again, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers.","start":2504.125,"end":2512.6848,"sentiment":"neutral","sentiment_score":0.23069849100552106},{"text":"And if there's any alterations we need to make, I'll do that process rolling in the pension phase.","start":2512.6848,"end":2517.56,"sentiment":"neutral","sentiment_score":0.19869060690204302},{"text":"It's very easy to update the advice document.","start":2517.56,"end":2519.74,"sentiment":"positive","sentiment_score":0.42085206136107445}],"sentiment":"neutral","sentiment_score":0.24546546989586204,"channel":0,"num_words":64,"start":2504.125,"end":2519.74},{"sentences":[{"text":"Yep.","start":2520.085,"end":2520.585,"sentiment":"neutral","sentiment_score":0.12062975019216536}],"sentiment":"neutral","sentiment_score":0.12062975019216536,"channel":1,"num_words":1,"start":2520.085,"end":2520.585},{"sentences":[{"text":"And when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there.","start":2520.6,"end":2527.0,"sentiment":"neutral","sentiment_score":0.08339578480176303},{"text":"So","start":2527.0,"end":2527.5,"sentiment":"neutral","sentiment_score":0.06928835809230804}],"sentiment":"neutral","sentiment_score":0.08280797535553575,"channel":0,"num_words":24,"start":2520.6,"end":2527.5},{"sentences":[{"text":"Yes.","start":2527.525,"end":2527.95,"sentiment":"neutral","sentiment_score":0.08563107252120972}],"sentiment":"neutral","sentiment_score":0.08563107252120972,"channel":1,"num_words":1,"start":2527.525,"end":2527.95},{"sentences":[{"text":"you're comfortable still with your legal personal representative.","start":2527.8801,"end":2530.4849,"sentiment":"neutral","sentiment_score":0.06973202247172594},{"text":"I know everything goes through your will for the both of you.","start":2530.4849,"end":2533.125,"sentiment":"neutral","sentiment_score":0.11980486785372098},{"text":"So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well.","start":2533.125,"end":2540.9648,"sentiment":"neutral","sentiment_score":0.07490056770898047},{"text":"Okay?","start":2540.9648,"end":2541.4648,"sentiment":"neutral","sentiment_score":0.05230347812175751}],"sentiment":"neutral","sentiment_score":0.08620785700068587,"channel":0,"num_words":42,"start":2527.8801,"end":2541.4648},{"sentences":[{"text":"Yes.","start":2541.31,"end":2541.63,"sentiment":"neutral","sentiment_score":0.060862042009830475},{"text":"Yep.","start":2541.63,"end":2542.03,"sentiment":"neutral","sentiment_score":0.06670989096164703},{"text":"No worries at all.","start":2542.03,"end":2543.025,"sentiment":"neutral","sentiment_score":0.08237742260098457}],"sentiment":"neutral","sentiment_score":0.0761802705625693,"channel":1,"num_words":6,"start":2541.31,"end":2543.025},{"sentences":[{"text":"Yeah.","start":2542.75,"end":2543.25,"sentiment":"neutral","sentiment_score":0.0800960510969162}],"sentiment":"neutral","sentiment_score":0.0800960510969162,"channel":0,"num_words":1,"start":2542.75,"end":2543.25},{"sentences":[{"text":"That'd","start":2543.585,"end":2543.9048,"sentiment":"neutral","sentiment_score":0.27210313081741333}],"sentiment":"neutral","sentiment_score":0.27210313081741333,"channel":1,"num_words":1,"start":2543.585,"end":2543.9048},{"sentences":[{"text":"Beautiful.","start":2543.7102,"end":2544.2102,"sentiment":"positive","sentiment_score":0.5773277282714844}],"sentiment":"positive","sentiment_score":0.5773277282714844,"channel":0,"num_words":1,"start":2543.7102,"end":2544.2102},{"sentences":[{"text":"be great.","start":2543.9048,"end":2544.545,"sentiment":"positive","sentiment_score":0.6439874470233917}],"sentiment":"positive","sentiment_score":0.6439874470233917,"channel":1,"num_words":2,"start":2543.9048,"end":2544.545},{"sentences":[{"text":"Beautiful.","start":2544.4302,"end":2544.9302,"sentiment":"positive","sentiment_score":0.6775007843971252}],"sentiment":"positive","sentiment_score":0.6775007843971252,"channel":0,"num_words":1,"start":2544.4302,"end":2544.9302},{"sentences":[{"text":"Lovely.","start":2544.545,"end":2545.045,"sentiment":"positive","sentiment_score":0.6394456624984741}],"sentiment":"positive","sentiment_score":0.6394456624984741,"channel":1,"num_words":1,"start":2544.545,"end":2545.045},{"sentences":[{"text":"Easy.","start":2545.2302,"end":2545.7302,"sentiment":"positive","sentiment_score":0.5018969774246216},{"text":"That's basically everything I did have to run through, so feel free to have a read through the document.","start":2546.4302,"end":2550.51,"sentiment":"neutral","sentiment_score":0.19822823766030764},{"text":"Let me know if you do happen to have any questions there.","start":2550.51,"end":2552.59,"sentiment":"neutral","sentiment_score":0.1656512369712194},{"text":"And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for","start":2552.59,"end":2559.2449,"sentiment":"neutral","sentiment_score":0.07736897113777343}],"sentiment":"neutral","sentiment_score":0.1486942779343083,"channel":0,"num_words":53,"start":2545.2302,"end":2559.2449},{"sentences":[{"text":"Yeah.","start":2559.0898,"end":2559.5898,"sentiment":"neutral","sentiment_score":0.02905150875449181}],"sentiment":"neutral","sentiment_score":0.02905150875449181,"channel":1,"num_words":1,"start":2559.0898,"end":2559.5898},{"sentences":[{"text":"you before","start":2559.2449,"end":2559.885,"sentiment":"neutral","sentiment_score":0.011956085450947285}],"sentiment":"neutral","sentiment_score":0.011956085450947285,"channel":0,"num_words":2,"start":2559.2449,"end":2559.885},{"sentences":[{"text":"Oh, yeah.","start":2559.65,"end":2560.31,"sentiment":"neutral","sentiment_score":0.031418188475072384}],"sentiment":"neutral","sentiment_score":0.031418188475072384,"channel":1,"num_words":2,"start":2559.65,"end":2560.31},{"sentences":[{"text":"you roll in the pension","start":2559.885,"end":2560.845,"sentiment":"neutral","sentiment_score":0.02287776246666908}],"sentiment":"neutral","sentiment_score":0.02287776246666908,"channel":0,"num_words":5,"start":2559.885,"end":2560.845},{"sentences":[{"text":"Mhmm.","start":2560.45,"end":2560.95,"sentiment":"neutral","sentiment_score":0.020927075296640396}],"sentiment":"neutral","sentiment_score":0.020927075296640396,"channel":1,"num_words":1,"start":2560.45,"end":2560.95},{"sentences":[{"text":"phase.","start":2560.845,"end":2561.345,"sentiment":"neutral","sentiment_score":0.03385050594806671},{"text":"Okay?","start":2561.405,"end":2561.905,"sentiment":"neutral","sentiment_score":0.022882062941789627}],"sentiment":"neutral","sentiment_score":0.02836628444492817,"channel":0,"num_words":2,"start":2560.845,"end":2561.905},{"sentences":[{"text":"It it'll probably","start":2561.57,"end":2562.3699,"sentiment":"neutral","sentiment_score":0.013970836997032166}],"sentiment":"neutral","sentiment_score":0.013970836997032166,"channel":1,"num_words":3,"start":2561.57,"end":2562.3699},{"sentences":[{"text":"Yeah.","start":2562.285,"end":2562.785,"sentiment":"neutral","sentiment_score":0.01847981847822666}],"sentiment":"neutral","sentiment_score":0.01847981847822666,"channel":0,"num_words":1,"start":2562.285,"end":2562.785},{"sentences":[{"text":"probably be about two weeks, I think, by the time that","start":2562.3699,"end":2564.69,"sentiment":"neutral","sentiment_score":0.028974522921172054}],"sentiment":"neutral","sentiment_score":0.028974522921172054,"channel":1,"num_words":11,"start":2562.3699,"end":2564.69},{"sentences":[{"text":"Yep.","start":2564.605,"end":2565.105,"sentiment":"neutral","sentiment_score":0.04267268627882004}],"sentiment":"neutral","sentiment_score":0.04267268627882004,"channel":0,"num_words":1,"start":2564.605,"end":2565.105},{"sentences":[{"text":"one comes through.","start":2564.69,"end":2565.49,"sentiment":"neutral","sentiment_score":0.039247109244267143},{"text":"So","start":2565.49,"end":2565.65,"sentiment":"neutral","sentiment_score":0.0872221514582634}],"sentiment":"neutral","sentiment_score":0.05124086979776621,"channel":1,"num_words":4,"start":2564.69,"end":2565.65},{"sentences":[{"text":"Yeah.","start":2565.9648,"end":2566.285,"sentiment":"neutral","sentiment_score":0.11274709552526474},{"text":"That's absolutely fine.","start":2566.285,"end":2567.325,"sentiment":"neutral","sentiment_score":0.18807574113210043},{"text":"Take","start":2567.325,"end":2567.565,"sentiment":"neutral","sentiment_score":0.1317693591117859}],"sentiment":"neutral","sentiment_score":0.16174873560667039,"channel":0,"num_words":5,"start":2565.9648,"end":2567.565},{"sentences":[{"text":"Yeah.","start":2567.49,"end":2567.99,"sentiment":"neutral","sentiment_score":0.0991695299744606}],"sentiment":"neutral","sentiment_score":0.0991695299744606,"channel":1,"num_words":1,"start":2567.49,"end":2567.99},{"sentences":[{"text":"some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board.","start":2567.565,"end":2576.34,"sentiment":"neutral","sentiment_score":0.16305338814854622},{"text":"And then if you are, I would just get you to sign and return that all","start":2576.34,"end":2578.7402,"sentiment":"neutral","sentiment_score":0.08044809475541115}],"sentiment":"neutral","sentiment_score":0.13432111218571663,"channel":0,"num_words":46,"start":2567.565,"end":2578.7402},{"sentences":[{"text":"Yes.","start":2578.725,"end":2579.225,"sentiment":"neutral","sentiment_score":0.0328720360994339}],"sentiment":"neutral","sentiment_score":0.0328720360994339,"channel":1,"num_words":1,"start":2578.725,"end":2579.225},{"sentences":[{"text":"back for me.","start":2578.7402,"end":2579.62,"sentiment":"neutral","sentiment_score":0.027601297944784164},{"text":"Okay?","start":2579.62,"end":2580.12,"sentiment":"neutral","sentiment_score":0.023996274918317795}],"sentiment":"neutral","sentiment_score":0.026700042188167572,"channel":0,"num_words":4,"start":2578.7402,"end":2580.12},{"sentences":[{"text":"Okay.","start":2579.765,"end":2580.265,"sentiment":"neutral","sentiment_score":0.019345290958881375},{"text":"But there's nothing I've got to sign on this stuff at the moment?","start":2580.405,"end":2583.12,"sentiment":"neutral","sentiment_score":-0.03617591478933509}],"sentiment":"neutral","sentiment_score":-0.0322101143787482,"channel":1,"num_words":14,"start":2579.765,"end":2583.12},{"sentences":[{"text":"If you're comfortable and you just wanna proceed, you can sign and return it back to me.","start":2584.435,"end":2588.275,"sentiment":"neutral","sentiment_score":0.04730258115074214},{"text":"But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing,","start":2588.275,"end":2593.975,"sentiment":"neutral","sentiment_score":0.15949962784846625}],"sentiment":"neutral","sentiment_score":0.11615076889707283,"channel":0,"num_words":44,"start":2584.435,"end":2593.975},{"sentences":[{"text":"Yeah.","start":2593.9202,"end":2594.2402,"sentiment":"neutral","sentiment_score":0.08606493473052979}],"sentiment":"neutral","sentiment_score":0.08606493473052979,"channel":1,"num_words":1,"start":2593.9202,"end":2594.2402},{"sentences":[{"text":"and","start":2594.195,"end":2594.515,"sentiment":"neutral","sentiment_score":0.03657572343945503}],"sentiment":"neutral","sentiment_score":0.03657572343945503,"channel":0,"num_words":1,"start":2594.195,"end":2594.515},{"sentences":[{"text":"Yeah.","start":2594.2402,"end":2594.4802,"sentiment":"neutral","sentiment_score":0.00583238061517477},{"text":"Now","start":2594.4802,"end":2594.8,"sentiment":"neutral","sentiment_score":0.01416773721575737}],"sentiment":"neutral","sentiment_score":0.01000005891546607,"channel":1,"num_words":2,"start":2594.2402,"end":2594.8},{"sentences":[{"text":"give you","start":2594.515,"end":2594.835,"sentiment":"neutral","sentiment_score":0.020031879656016827}],"sentiment":"neutral","sentiment_score":0.020031879656016827,"channel":0,"num_words":2,"start":2594.515,"end":2594.835},{"sentences":[{"text":"what","start":2594.8,"end":2594.9602,"sentiment":"neutral","sentiment_score":0.01969517767429352}],"sentiment":"neutral","sentiment_score":0.01969517767429352,"channel":1,"num_words":1,"start":2594.8,"end":2594.9602},{"sentences":[{"text":"a chance","start":2594.835,"end":2595.315,"sentiment":"neutral","sentiment_score":0.022174816578626633}],"sentiment":"neutral","sentiment_score":0.022174816578626633,"channel":0,"num_words":2,"start":2594.835,"end":2595.315},{"sentences":[{"text":"I mean","start":2594.9602,"end":2595.36,"sentiment":"neutral","sentiment_score":0.022320411168038845}],"sentiment":"neutral","sentiment_score":0.022320411168038845,"channel":1,"num_words":2,"start":2594.9602,"end":2595.36},{"sentences":[{"text":"to","start":2595.315,"end":2595.475,"sentiment":"neutral","sentiment_score":0.02648492716252804}],"sentiment":"neutral","sentiment_score":0.02648492716252804,"channel":0,"num_words":1,"start":2595.315,"end":2595.475},{"sentences":[{"text":"what I mean was","start":2595.36,"end":2596.08,"sentiment":"neutral","sentiment_score":0.017666736152023077}],"sentiment":"neutral","sentiment_score":0.017666736152023077,"channel":1,"num_words":4,"start":2595.36,"end":2596.08},{"sentences":[{"text":"yeah.","start":2596.035,"end":2596.535,"sentiment":"neutral","sentiment_score":0.01827559433877468}],"sentiment":"neutral","sentiment_score":0.01827559433877468,"channel":0,"num_words":1,"start":2596.035,"end":2596.535},{"sentences":[{"text":"with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup","start":2596.08,"end":2604.975,"sentiment":"neutral","sentiment_score":0.014214710444211959}],"sentiment":"neutral","sentiment_score":0.014214710444211959,"channel":1,"num_words":25,"start":2596.08,"end":2604.975},{"sentences":[{"text":"Yep.","start":2604.5999,"end":2605.0999,"sentiment":"neutral","sentiment_score":0.006993414368480444}],"sentiment":"neutral","sentiment_score":0.006993414368480444,"channel":0,"num_words":1,"start":2604.5999,"end":2605.0999},{"sentences":[{"text":"sort of thing?","start":2604.975,"end":2605.5352,"sentiment":"neutral","sentiment_score":0.003701456201573213},{"text":"Or","start":2605.5352,"end":2606.0352,"sentiment":"neutral","sentiment_score":0.003931492567062378}],"sentiment":"neutral","sentiment_score":0.003758965292945504,"channel":1,"num_words":4,"start":2604.975,"end":2606.0352},{"sentences":[{"text":"Yeah.","start":2606.44,"end":2606.92,"sentiment":"neutral","sentiment_score":0.00872441753745079},{"text":"If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one.","start":2606.92,"end":2612.885,"sentiment":"neutral","sentiment_score":0.03464095414217029},{"text":"But I'll","start":2612.945,"end":2613.2651,"sentiment":"neutral","sentiment_score":0.03799748793244362}],"sentiment":"neutral","sentiment_score":0.03402148739945504,"channel":0,"num_words":31,"start":2606.44,"end":2613.2651},{"sentences":[{"text":"Yeah.","start":2613.2,"end":2613.52,"sentiment":"neutral","sentiment_score":0.034589774906635284}],"sentiment":"neutral","sentiment_score":0.034589774906635284,"channel":1,"num_words":1,"start":2613.2,"end":2613.52},{"sentences":[{"text":"get you","start":2613.2651,"end":2613.585,"sentiment":"neutral","sentiment_score":0.04509262368083}],"sentiment":"neutral","sentiment_score":0.04509262368083,"channel":0,"num_words":2,"start":2613.2651,"end":2613.585},{"sentences":[{"text":"So","start":2613.52,"end":2613.76,"sentiment":"neutral","sentiment_score":0.04562954604625702}],"sentiment":"neutral","sentiment_score":0.04562954604625702,"channel":1,"num_words":1,"start":2613.52,"end":2613.76},{"sentences":[{"text":"to sign","start":2613.585,"end":2613.825,"sentiment":"neutral","sentiment_score":0.08180313929915428}],"sentiment":"neutral","sentiment_score":0.08180313929915428,"channel":0,"num_words":2,"start":2613.585,"end":2613.825},{"sentences":[{"text":"so","start":2613.76,"end":2614.0798,"sentiment":"neutral","sentiment_score":0.09512003511190414}],"sentiment":"neutral","sentiment_score":0.09512003511190414,"channel":1,"num_words":1,"start":2613.76,"end":2614.0798},{"sentences":[{"text":"this one","start":2613.825,"end":2614.225,"sentiment":"neutral","sentiment_score":0.1112854778766632}],"sentiment":"neutral","sentiment_score":0.1112854778766632,"channel":0,"num_words":2,"start":2613.825,"end":2614.225},{"sentences":[{"text":"virtually","start":2614.0798,"end":2614.5798,"sentiment":"neutral","sentiment_score":0.11212387681007384}],"sentiment":"neutral","sentiment_score":0.11212387681007384,"channel":1,"num_words":1,"start":2614.0798,"end":2614.5798},{"sentences":[{"text":"first if you're comfortable","start":2614.225,"end":2615.2651,"sentiment":"neutral","sentiment_score":0.08062273822724819}],"sentiment":"neutral","sentiment_score":0.08062273822724819,"channel":0,"num_words":4,"start":2614.225,"end":2615.2651},{"sentences":[{"text":"virtually","start":2615.04,"end":2615.44,"sentiment":"neutral","sentiment_score":0.11013476550579072}],"sentiment":"neutral","sentiment_score":0.11013476550579072,"channel":1,"num_words":1,"start":2615.04,"end":2615.44},{"sentences":[{"text":"taking","start":2615.2651,"end":2615.585,"sentiment":"neutral","sentiment_score":0.08800892531871796}],"sentiment":"neutral","sentiment_score":0.08800892531871796,"channel":0,"num_words":1,"start":2615.2651,"end":2615.585},{"sentences":[{"text":"when","start":2615.44,"end":2615.68,"sentiment":"neutral","sentiment_score":0.126512348651886}],"sentiment":"neutral","sentiment_score":0.126512348651886,"channel":1,"num_words":1,"start":2615.44,"end":2615.68},{"sentences":[{"text":"it","start":2615.585,"end":2615.745,"sentiment":"neutral","sentiment_score":0.1266428828239441}],"sentiment":"neutral","sentiment_score":0.1266428828239441,"channel":0,"num_words":1,"start":2615.585,"end":2615.745},{"sentences":[{"text":"I'm","start":2615.68,"end":2615.76,"sentiment":"neutral","sentiment_score":0.11355850100517272}],"sentiment":"neutral","sentiment_score":0.11355850100517272,"channel":1,"num_words":1,"start":2615.68,"end":2615.76},{"sentences":[{"text":"on","start":2615.745,"end":2615.905,"sentiment":"neutral","sentiment_score":0.13881248235702515}],"sentiment":"neutral","sentiment_score":0.13881248235702515,"channel":0,"num_words":1,"start":2615.745,"end":2615.905},{"sentences":[{"text":"happy","start":2615.76,"end":2616.0798,"sentiment":"neutral","sentiment_score":0.10867555439472198}],"sentiment":"neutral","sentiment_score":0.10867555439472198,"channel":1,"num_words":1,"start":2615.76,"end":2616.0798},{"sentences":[{"text":"board.","start":2615.905,"end":2616.405,"sentiment":"neutral","sentiment_score":0.12997496128082275}],"sentiment":"neutral","sentiment_score":0.12997496128082275,"channel":0,"num_words":1,"start":2615.905,"end":2616.405},{"sentences":[{"text":"with this, sign this one and get it out","start":2616.0798,"end":2618.16,"sentiment":"neutral","sentiment_score":0.0841016678346528}],"sentiment":"neutral","sentiment_score":0.0841016678346528,"channel":1,"num_words":9,"start":2616.0798,"end":2618.16},{"sentences":[{"text":"Yep.","start":2618.145,"end":2618.645,"sentiment":"neutral","sentiment_score":0.06407573819160461}],"sentiment":"neutral","sentiment_score":0.06407573819160461,"channel":0,"num_words":1,"start":2618.145,"end":2618.645},{"sentences":[{"text":"of the way, and then we'll","start":2618.16,"end":2619.3599,"sentiment":"neutral","sentiment_score":0.054443517699837685}],"sentiment":"neutral","sentiment_score":0.054443517699837685,"channel":1,"num_words":6,"start":2618.16,"end":2619.3599},{"sentences":[{"text":"Yep.","start":2619.2651,"end":2619.7651,"sentiment":"neutral","sentiment_score":0.010822048410773276}],"sentiment":"neutral","sentiment_score":0.010822048410773276,"channel":0,"num_words":1,"start":2619.2651,"end":2619.7651},{"sentences":[{"text":"worry about the other one later.","start":2619.3599,"end":2620.8198,"sentiment":"neutral","sentiment_score":0.0029154539418717227}],"sentiment":"neutral","sentiment_score":0.0029154539418717227,"channel":1,"num_words":6,"start":2619.3599,"end":2620.8198},{"sentences":[{"text":"Yeah.","start":2621.185,"end":2621.5051,"sentiment":"neutral","sentiment_score":0.09214797616004944},{"text":"Absolutely.","start":2621.5051,"end":2622.0051,"sentiment":"neutral","sentiment_score":0.16187691688537598},{"text":"That's","start":2622.065,"end":2622.225,"sentiment":"neutral","sentiment_score":0.12780272960662842}],"sentiment":"neutral","sentiment_score":0.1272758742173513,"channel":0,"num_words":3,"start":2621.185,"end":2622.225},{"sentences":[{"text":"Yeah.","start":2622.0798,"end":2622.5798,"sentiment":"neutral","sentiment_score":0.09540370106697084}],"sentiment":"neutral","sentiment_score":0.09540370106697084,"channel":1,"num_words":1,"start":2622.0798,"end":2622.5798},{"sentences":[{"text":"if we need to do another one.","start":2622.225,"end":2623.5051,"sentiment":"neutral","sentiment_score":0.007142716486539159},{"text":"If if everything still stacks up with your","start":2623.5051,"end":2625.425,"sentiment":"neutral","sentiment_score":0.10980019345879555}],"sentiment":"neutral","sentiment_score":0.06189337087174256,"channel":0,"num_words":15,"start":2622.225,"end":2625.425},{"sentences":[{"text":"Yep.","start":2625.28,"end":2625.585,"sentiment":"neutral","sentiment_score":0.06907524168491364}],"sentiment":"neutral","sentiment_score":0.06907524168491364,"channel":1,"num_words":1,"start":2625.28,"end":2625.585},{"sentences":[{"text":"new payslip,","start":2625.425,"end":2626.165,"sentiment":"neutral","sentiment_score":0.07115532830357552}],"sentiment":"neutral","sentiment_score":0.07115532830357552,"channel":0,"num_words":2,"start":2625.425,"end":2626.165},{"sentences":[{"text":"Yep.","start":2626.545,"end":2627.045,"sentiment":"neutral","sentiment_score":0.05510383099317551}],"sentiment":"neutral","sentiment_score":0.05510383099317551,"channel":1,"num_words":1,"start":2626.545,"end":2627.045},{"sentences":[{"text":"then we won't need to make any changes.","start":2627.105,"end":2629.4702,"sentiment":"neutral","sentiment_score":0.043451676378026605}],"sentiment":"neutral","sentiment_score":0.043451676378026605,"channel":0,"num_words":8,"start":2627.105,"end":2629.4702},{"sentences":[{"text":"Yeah.","start":2629.585,"end":2629.9849,"sentiment":"neutral","sentiment_score":0.05286563932895661}],"sentiment":"neutral","sentiment_score":0.05286563932895661,"channel":1,"num_words":1,"start":2629.585,"end":2629.9849},{"sentences":[{"text":"We'll","start":2629.9302,"end":2630.25,"sentiment":"neutral","sentiment_score":0.05094952508807182}],"sentiment":"neutral","sentiment_score":0.05094952508807182,"channel":0,"num_words":1,"start":2629.9302,"end":2630.25},{"sentences":[{"text":"So that's","start":2629.9849,"end":2630.385,"sentiment":"neutral","sentiment_score":0.07507186755537987}],"sentiment":"neutral","sentiment_score":0.07507186755537987,"channel":1,"num_words":2,"start":2629.9849,"end":2630.385},{"sentences":[{"text":"just","start":2630.25,"end":2630.49,"sentiment":"neutral","sentiment_score":0.06919437646865845}],"sentiment":"neutral","sentiment_score":0.06919437646865845,"channel":0,"num_words":1,"start":2630.25,"end":2630.49},{"sentences":[{"text":"right.","start":2630.385,"end":2630.625,"sentiment":"neutral","sentiment_score":0.07045265287160873}],"sentiment":"neutral","sentiment_score":0.07045265287160873,"channel":1,"num_words":1,"start":2630.385,"end":2630.625},{"sentences":[{"text":"proceed","start":2630.49,"end":2630.81,"sentiment":"neutral","sentiment_score":0.028360677883028984}],"sentiment":"neutral","sentiment_score":0.028360677883028984,"channel":0,"num_words":1,"start":2630.49,"end":2630.81},{"sentences":[{"text":"So yeah.","start":2630.625,"end":2631.025,"sentiment":"neutral","sentiment_score":0.022573484107851982}],"sentiment":"neutral","sentiment_score":0.022573484107851982,"channel":1,"num_words":2,"start":2630.625,"end":2631.025},{"sentences":[{"text":"the way","start":2630.81,"end":2631.1301,"sentiment":"neutral","sentiment_score":0.01517711952328682}],"sentiment":"neutral","sentiment_score":0.01517711952328682,"channel":0,"num_words":2,"start":2630.81,"end":2631.1301},{"sentences":[{"text":"We","start":2631.025,"end":2631.185,"sentiment":"neutral","sentiment_score":0.0014053341001272202}],"sentiment":"neutral","sentiment_score":0.0014053341001272202,"channel":1,"num_words":1,"start":2631.025,"end":2631.185},{"sentences":[{"text":"it","start":2631.1301,"end":2631.29,"sentiment":"neutral","sentiment_score":0.005917428061366081}],"sentiment":"neutral","sentiment_score":0.005917428061366081,"channel":0,"num_words":1,"start":2631.1301,"end":2631.29},{"sentences":[{"text":"just","start":2631.185,"end":2631.345,"sentiment":"neutral","sentiment_score":-0.004322543740272522}],"sentiment":"neutral","sentiment_score":-0.004322543740272522,"channel":1,"num_words":1,"start":2631.185,"end":2631.345},{"sentences":[{"text":"is.","start":2631.29,"end":2631.79,"sentiment":"neutral","sentiment_score":-0.0102504538372159}],"sentiment":"neutral","sentiment_score":-0.0102504538372159,"channel":0,"num_words":1,"start":2631.29,"end":2631.79},{"sentences":[{"text":"worry about it if we have to sort of thing.","start":2631.345,"end":2633.105,"sentiment":"neutral","sentiment_score":-0.06705015376210213},{"text":"Yeah.","start":2633.105,"end":2633.605,"sentiment":"neutral","sentiment_score":0.017645161598920822}],"sentiment":"neutral","sentiment_score":-0.059350579638372765,"channel":1,"num_words":11,"start":2631.345,"end":2633.605},{"sentences":[{"text":"Yeah.","start":2633.4502,"end":2633.9502,"sentiment":"neutral","sentiment_score":0.029103120788931847},{"text":"Yeah.","start":2634.01,"end":2634.33,"sentiment":"neutral","sentiment_score":0.04088607430458069}],"sentiment":"neutral","sentiment_score":0.03499459754675627,"channel":0,"num_words":2,"start":2633.4502,"end":2634.33},{"sentences":[{"text":"Okay.","start":2634.145,"end":2634.645,"sentiment":"neutral","sentiment_score":0.08015304058790207}],"sentiment":"neutral","sentiment_score":0.08015304058790207,"channel":1,"num_words":1,"start":2634.145,"end":2634.645},{"sentences":[{"text":"Absolutely.","start":2634.33,"end":2634.83,"sentiment":"neutral","sentiment_score":0.15166038274765015},{"text":"Yeah.","start":2635.29,"end":2635.79,"sentiment":"neutral","sentiment_score":0.1847347766160965},{"text":"All good.","start":2636.01,"end":2636.75,"sentiment":"neutral","sentiment_score":0.28088240325450897},{"text":"So when are you you're back full time as of next week.","start":2637.1301,"end":2639.77,"sentiment":"neutral","sentiment_score":0.059760527995725475},{"text":"Is that right?","start":2639.77,"end":2640.59,"sentiment":"neutral","sentiment_score":0.05575069785118103}],"sentiment":"neutral","sentiment_score":0.09381781028289544,"channel":0,"num_words":19,"start":2634.33,"end":2640.59},{"sentences":[{"text":"No.","start":2640.9202,"end":2641.08,"sentiment":"neutral","sentiment_score":-0.01751813478767872},{"text":"As of today.","start":2641.08,"end":2641.9802,"sentiment":"neutral","sentiment_score":-0.00797626314063867}],"sentiment":"neutral","sentiment_score":-0.010361731052398682,"channel":1,"num_words":4,"start":2640.9202,"end":2641.9802},{"sentences":[{"text":"Oh, as of today?","start":2642.525,"end":2643.565,"sentiment":"neutral","sentiment_score":0.016406916198320687},{"text":"Fantastic.","start":2643.565,"end":2644.065,"sentiment":"neutral","sentiment_score":0.269494891166687}],"sentiment":"neutral","sentiment_score":0.06702451119199396,"channel":0,"num_words":5,"start":2642.525,"end":2644.065},{"sentences":[{"text":"Yeah.","start":2644.36,"end":2644.86,"sentiment":"neutral","sentiment_score":0.13319295644760132},{"text":"Yeah.","start":2645.0,"end":2645.4001,"sentiment":"neutral","sentiment_score":0.11496757715940475},{"text":"No.","start":2645.4001,"end":2645.9001,"sentiment":"neutral","sentiment_score":0.14037489891052246}],"sentiment":"neutral","sentiment_score":0.12951181083917618,"channel":1,"num_words":3,"start":2644.36,"end":2645.9001},{"sentences":[{"text":"Fantastic.","start":2645.8848,"end":2646.3848,"sentiment":"neutral","sentiment_score":0.2754344940185547}],"sentiment":"neutral","sentiment_score":0.2754344940185547,"channel":0,"num_words":1,"start":2645.8848,"end":2646.3848},{"sentences":[{"text":"I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing.","start":2646.04,"end":2664.495,"sentiment":"neutral","sentiment_score":0.1269365833053049},{"text":"So","start":2664.495,"end":2664.655,"sentiment":"neutral","sentiment_score":0.14263558387756348}],"sentiment":"neutral","sentiment_score":0.1272273055381245,"channel":1,"num_words":54,"start":2646.04,"end":2664.655},{"sentences":[{"text":"Yep.","start":2664.54,"end":2665.035,"sentiment":"neutral","sentiment_score":0.1769556850194931}],"sentiment":"neutral","sentiment_score":0.1769556850194931,"channel":0,"num_words":1,"start":2664.54,"end":2665.035},{"sentences":[{"text":"I'm in I'm in control virtually.","start":2664.655,"end":2666.435,"sentiment":"neutral","sentiment_score":0.24477343509594598},{"text":"So","start":2667.33,"end":2667.73,"sentiment":"neutral","sentiment_score":0.1358046680688858}],"sentiment":"neutral","sentiment_score":0.22920646837779454,"channel":1,"num_words":7,"start":2664.655,"end":2667.73},{"sentences":[{"text":"Okay.","start":2667.515,"end":2667.9949,"sentiment":"neutral","sentiment_score":0.19375395774841309}],"sentiment":"neutral","sentiment_score":0.19375395774841309,"channel":0,"num_words":1,"start":2667.515,"end":2667.9949},{"sentences":[{"text":"but","start":2667.81,"end":2668.1301,"sentiment":"neutral","sentiment_score":0.2372603416442871}],"sentiment":"neutral","sentiment_score":0.2372603416442871,"channel":1,"num_words":1,"start":2667.81,"end":2668.1301},{"sentences":[{"text":"Perfect.","start":2667.9949,"end":2668.4949,"sentiment":"positive","sentiment_score":0.3660346269607544}],"sentiment":"positive","sentiment_score":0.3660346269607544,"channel":0,"num_words":1,"start":2667.9949,"end":2668.4949},{"sentences":[{"text":"I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's","start":2668.1301,"end":2677.51,"sentiment":"neutral","sentiment_score":0.015561302479666968}],"sentiment":"neutral","sentiment_score":0.015561302479666968,"channel":1,"num_words":30,"start":2668.1301,"end":2677.51},{"sentences":[{"text":"Yep.","start":2677.035,"end":2677.535,"sentiment":"neutral","sentiment_score":0.022930940613150597}],"sentiment":"neutral","sentiment_score":0.022930940613150597,"channel":0,"num_words":1,"start":2677.035,"end":2677.535},{"sentences":[{"text":"been so it's virtually nearly two months.","start":2678.2102,"end":2682.305,"sentiment":"neutral","sentiment_score":0.023153620372925485},{"text":"So and and, yeah, I haven't had any specific real","start":2682.305,"end":2686.305,"sentiment":"neutral","sentiment_score":-0.03184837531298399}],"sentiment":"neutral","sentiment_score":-0.00920049473643303,"channel":1,"num_words":17,"start":2678.2102,"end":2686.305},{"sentences":[{"text":"Okay.","start":2686.2898,"end":2686.7898,"sentiment":"neutral","sentiment_score":-0.0597510002553463}],"sentiment":"neutral","sentiment_score":-0.0597510002553463,"channel":0,"num_words":1,"start":2686.2898,"end":2686.7898},{"sentences":[{"text":"problems, so I don't see there's gonna be too much of an issue going forward.","start":2686.305,"end":2689.7449,"sentiment":"neutral","sentiment_score":-0.1881478746732076},{"text":"So","start":2689.7449,"end":2689.905,"sentiment":"neutral","sentiment_score":0.05840613692998886}],"sentiment":"neutral","sentiment_score":-0.17273824894800782,"channel":1,"num_words":16,"start":2686.305,"end":2689.905},{"sentences":[{"text":"Yeah.","start":2690.545,"end":2690.865,"sentiment":"neutral","sentiment_score":0.16506709158420563},{"text":"Fantastic.","start":2690.865,"end":2691.365,"sentiment":"positive","sentiment_score":0.5632615089416504},{"text":"Fantastic.","start":2691.825,"end":2692.325,"sentiment":"positive","sentiment_score":0.5527651309967041},{"text":"Good to see.","start":2692.705,"end":2693.605,"sentiment":"positive","sentiment_score":0.4371589670578639},{"text":"Well, back full time, back Monday to Friday again.","start":2694.145,"end":2696.545,"sentiment":"positive","sentiment_score":0.36442841589450836}],"sentiment":"positive","sentiment_score":0.3914950917164485,"channel":0,"num_words":15,"start":2690.545,"end":2696.545},{"sentences":[{"text":"That'll be really good.","start":2696.545,"end":2697.845,"sentiment":"positive","sentiment_score":0.8072752058506012}],"sentiment":"positive","sentiment_score":0.8072752058506012,"channel":0,"num_words":4,"start":2696.545,"end":2697.845},{"sentences":[{"text":"The","start":2698.28,"end":2698.4402,"sentiment":"neutral","sentiment_score":0.20417505502700808}],"sentiment":"neutral","sentiment_score":0.20417505502700808,"channel":1,"num_words":1,"start":2698.28,"end":2698.4402},{"sentences":[{"text":"Yeah.","start":2698.305,"end":2698.805,"sentiment":"neutral","sentiment_score":0.08435432612895966}],"sentiment":"neutral","sentiment_score":0.08435432612895966,"channel":0,"num_words":1,"start":2698.305,"end":2698.805},{"sentences":[{"text":"only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently.","start":2698.4402,"end":2706.76,"sentiment":"neutral","sentiment_score":-0.08670038391243327},{"text":"But when I go back, I","start":2706.76,"end":2708.975,"sentiment":"neutral","sentiment_score":-0.009568135564525923}],"sentiment":"neutral","sentiment_score":-0.07483388416660137,"channel":1,"num_words":39,"start":2698.4402,"end":2708.975},{"sentences":[{"text":"Yep.","start":2708.96,"end":2709.46,"sentiment":"neutral","sentiment_score":-0.006810306571424007}],"sentiment":"neutral","sentiment_score":-0.006810306571424007,"channel":0,"num_words":1,"start":2708.96,"end":2709.46},{"sentences":[{"text":"I just get every second Friday instead of every Wednesday.","start":2709.3552,"end":2711.8352,"sentiment":"neutral","sentiment_score":-0.04762506242841482},{"text":"It's a bit of a bit of a drop that way.","start":2711.8352,"end":2714.0752,"sentiment":"neutral","sentiment_score":-0.13101443174210461},{"text":"But, I","start":2714.0752,"end":2714.3152,"sentiment":"neutral","sentiment_score":-0.01677829958498478}],"sentiment":"neutral","sentiment_score":-0.08482460750509864,"channel":1,"num_words":23,"start":2709.3552,"end":2714.3152},{"sentences":[{"text":"Yeah.","start":2714.2551,"end":2714.7551,"sentiment":"neutral","sentiment_score":0.01223676186054945}],"sentiment":"neutral","sentiment_score":0.01223676186054945,"channel":0,"num_words":1,"start":2714.2551,"end":2714.7551},{"sentences":[{"text":"mean, they're they're just going back to the normal setup anyway, so it's what I'm used to.","start":2714.3152,"end":2718.0952,"sentiment":"neutral","sentiment_score":0.03798706374843331}],"sentiment":"neutral","sentiment_score":0.03798706374843331,"channel":1,"num_words":17,"start":2714.3152,"end":2718.0952},{"sentences":[{"text":"Yeah.","start":2718.495,"end":2718.995,"sentiment":"neutral","sentiment_score":0.03512509539723396}],"sentiment":"neutral","sentiment_score":0.03512509539723396,"channel":0,"num_words":1,"start":2718.495,"end":2718.995},{"sentences":[{"text":"But it was","start":2718.635,"end":2719.2751,"sentiment":"neutral","sentiment_score":0.059666345516840615}],"sentiment":"neutral","sentiment_score":0.059666345516840615,"channel":1,"num_words":3,"start":2718.635,"end":2719.2751},{"sentences":[{"text":"Yeah.","start":2719.135,"end":2719.635,"sentiment":"neutral","sentiment_score":0.12757179141044617}],"sentiment":"neutral","sentiment_score":0.12757179141044617,"channel":0,"num_words":1,"start":2719.135,"end":2719.635},{"sentences":[{"text":"just handy having an extra Wednesday.","start":2719.2751,"end":2720.975,"sentiment":"neutral","sentiment_score":0.2502902572353681}],"sentiment":"neutral","sentiment_score":0.2502902572353681,"channel":1,"num_words":6,"start":2719.2751,"end":2720.975},{"sentences":[{"text":"And in the middle of the week too.","start":2722.8152,"end":2724.5151,"sentiment":"neutral","sentiment_score":0.10425439104437828},{"text":"Yeah.","start":2726.72,"end":2727.22,"sentiment":"neutral","sentiment_score":0.05992493778467178},{"text":"No.","start":2727.3599,"end":2727.5999,"sentiment":"neutral","sentiment_score":0.1471210420131683},{"text":"Perfect.","start":2727.5999,"end":2728.0999,"sentiment":"positive","sentiment_score":0.3911941647529602},{"text":"All good.","start":2728.4,"end":2728.7998,"sentiment":"positive","sentiment_score":0.39965102076530457}],"sentiment":"neutral","sentiment_score":0.17165979341818735,"channel":0,"num_words":13,"start":2722.8152,"end":2728.7998},{"sentences":[{"text":"Well, I'm really happy that it's all worked out well for you.","start":2728.7998,"end":2731.46,"sentiment":"positive","sentiment_score":0.7598182807366053},{"text":"Back all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you.","start":2731.92,"end":2737.5999,"sentiment":"positive","sentiment_score":0.3981817662715912},{"text":"Reducing","start":2737.5999,"end":2737.92,"sentiment":"neutral","sentiment_score":0.26381903886795044}],"sentiment":"positive","sentiment_score":0.5295966239646077,"channel":0,"num_words":32,"start":2728.7998,"end":2737.92},{"sentences":[{"text":"Yep.","start":2737.735,"end":2738.235,"sentiment":"neutral","sentiment_score":0.25215503573417664}],"sentiment":"neutral","sentiment_score":0.25215503573417664,"channel":1,"num_words":1,"start":2737.735,"end":2738.235},{"sentences":[{"text":"your risk is one of the most important things I wanna get started.","start":2737.92,"end":2740.8198,"sentiment":"neutral","sentiment_score":0.3022374040805377},{"text":"And","start":2741.675,"end":2741.995,"sentiment":"neutral","sentiment_score":0.14981676638126373}],"sentiment":"neutral","sentiment_score":0.29135021567344666,"channel":0,"num_words":14,"start":2737.92,"end":2741.995},{"sentences":[{"text":"Yeah.","start":2741.8152,"end":2742.3152,"sentiment":"neutral","sentiment_score":0.16180723905563354}],"sentiment":"neutral","sentiment_score":0.16180723905563354,"channel":1,"num_words":1,"start":2741.8152,"end":2742.3152},{"sentences":[{"text":"whenever I set up a pension, we start by just rolling over into the TTR pension account.","start":2741.995,"end":2747.215,"sentiment":"neutral","sentiment_score":0.15976441213313272},{"text":"That","start":2747.435,"end":2747.675,"sentiment":"neutral","sentiment_score":0.16339731216430664}],"sentiment":"neutral","sentiment_score":0.15996623991264236,"channel":0,"num_words":18,"start":2741.995,"end":2747.675},{"sentences":[{"text":"Yep.","start":2747.5752,"end":2748.0752,"sentiment":"neutral","sentiment_score":0.16860166192054749}],"sentiment":"neutral","sentiment_score":0.16860166192054749,"channel":1,"num_words":1,"start":2747.5752,"end":2748.0752},{"sentences":[{"text":"does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment.","start":2747.675,"end":2757.42,"sentiment":"neutral","sentiment_score":0.1263909973204136},{"text":"That way you're","start":2757.42,"end":2758.06,"sentiment":"neutral","sentiment_score":0.10320472965637843}],"sentiment":"neutral","sentiment_score":0.1245110296719783,"channel":0,"num_words":37,"start":2747.675,"end":2758.06},{"sentences":[{"text":"Yes.","start":2757.8599,"end":2758.3599,"sentiment":"neutral","sentiment_score":0.055104319006204605}],"sentiment":"neutral","sentiment_score":0.055104319006204605,"channel":1,"num_words":1,"start":2757.8599,"end":2758.3599},{"sentences":[{"text":"not increasing contributions prior to the first drawdown coming if it doesn't leave you late.","start":2758.06,"end":2763.1,"sentiment":"neutral","sentiment_score":0.03048999682068825},{"text":"So","start":2763.1,"end":2763.6,"sentiment":"neutral","sentiment_score":0.05399234592914581}],"sentiment":"neutral","sentiment_score":0.031958893639966846,"channel":0,"num_words":16,"start":2758.06,"end":2763.6},{"sentences":[{"text":"Yes.","start":2763.6199,"end":2764.1199,"sentiment":"neutral","sentiment_score":0.08778732270002365}],"sentiment":"neutral","sentiment_score":0.08778732270002365,"channel":1,"num_words":1,"start":2763.6199,"end":2764.1199},{"sentences":[{"text":"that's the way I tend to do those sorts of things.","start":2763.6602,"end":2766.08,"sentiment":"neutral","sentiment_score":0.06443453817204996},{"text":"But, yeah, that'd be good.","start":2766.54,"end":2767.605,"sentiment":"neutral","sentiment_score":0.21478463411331178},{"text":"And, like, once you get your paces through, I'll run the numbers.","start":2767.605,"end":2770.405,"sentiment":"neutral","sentiment_score":0.16475334453086057},{"text":"And if there are changes, I'll let you know we need to change the advice prior to rolling into pension.","start":2770.405,"end":2774.985,"sentiment":"neutral","sentiment_score":0.11689872033894062},{"text":"If there's no changes, I'll let you know we're good to proceed, and","start":2775.365,"end":2778.645,"sentiment":"neutral","sentiment_score":0.27343220894153303}],"sentiment":"neutral","sentiment_score":0.15823502209587176,"channel":0,"num_words":61,"start":2763.6602,"end":2778.645},{"sentences":[{"text":"Yep.","start":2778.5999,"end":2779.0999,"sentiment":"neutral","sentiment_score":0.3129637837409973}],"sentiment":"neutral","sentiment_score":0.3129637837409973,"channel":1,"num_words":1,"start":2778.5999,"end":2779.0999},{"sentences":[{"text":"we'll just keep going for you.","start":2778.645,"end":2780.485,"sentiment":"positive","sentiment_score":0.34409994383653003},{"text":"Okay?","start":2780.485,"end":2780.985,"sentiment":"neutral","sentiment_score":0.0967194139957428},{"text":"Yeah.","start":2781.205,"end":2781.705,"sentiment":"neutral","sentiment_score":0.09522169083356856}],"sentiment":"neutral","sentiment_score":0.28206759598106146,"channel":0,"num_words":8,"start":2778.645,"end":2781.705},{"sentences":[{"text":"No worries, mate.","start":2781.3198,"end":2782.1199,"sentiment":"neutral","sentiment_score":0.19227499266465506},{"text":"Thank you very much, Dana.","start":2782.1199,"end":2783.4,"sentiment":"positive","sentiment_score":0.5255965530872345},{"text":"I appreciate","start":2783.4,"end":2783.96,"sentiment":"neutral","sentiment_score":0.29326312243938446}],"sentiment":"positive","sentiment_score":0.37913339883089064,"channel":1,"num_words":10,"start":2781.3198,"end":2783.96},{"sentences":[{"text":"That's","start":2783.94,"end":2784.34,"sentiment":"neutral","sentiment_score":0.1648651957511902}],"sentiment":"neutral","sentiment_score":0.1648651957511902,"channel":0,"num_words":1,"start":2783.94,"end":2784.34},{"sentences":[{"text":"that.","start":2783.96,"end":2784.46,"sentiment":"neutral","sentiment_score":0.143924742937088}],"sentiment":"neutral","sentiment_score":0.143924742937088,"channel":1,"num_words":1,"start":2783.96,"end":2784.46},{"sentences":[{"text":"okay.","start":2784.34,"end":2784.84,"sentiment":"neutral","sentiment_score":0.07353833317756653},{"text":"Not a problem.","start":2785.06,"end":2785.7,"sentiment":"neutral","sentiment_score":0.0026616590718428292},{"text":"I'm so sorry.","start":2785.7,"end":2786.42,"sentiment":"neutral","sentiment_score":-0.18512881795565286},{"text":"I had to cancel last night and push the appointment.","start":2786.42,"end":2789.3801,"sentiment":"neutral","sentiment_score":-0.2788924306631088},{"text":"My last call","start":2789.3801,"end":2790.18,"sentiment":"neutral","sentiment_score":-0.3078246017297109}],"sentiment":"neutral","sentiment_score":-0.20931306276470424,"channel":0,"num_words":20,"start":2784.34,"end":2790.18},{"sentences":[{"text":"I don't know","start":2789.885,"end":2790.285,"sentiment":"neutral","sentiment_score":-0.2839462459087372}],"sentiment":"neutral","sentiment_score":-0.2839462459087372,"channel":1,"num_words":3,"start":2789.885,"end":2790.285},{"sentences":[{"text":"took","start":2790.18,"end":2790.34,"sentiment":"neutral","sentiment_score":-0.2268686592578888}],"sentiment":"neutral","sentiment_score":-0.2268686592578888,"channel":0,"num_words":1,"start":2790.18,"end":2790.34},{"sentences":[{"text":"what","start":2790.285,"end":2790.525,"sentiment":"neutral","sentiment_score":-0.2441127449274063}],"sentiment":"neutral","sentiment_score":-0.2441127449274063,"channel":1,"num_words":1,"start":2790.285,"end":2790.525},{"sentences":[{"text":"a bit","start":2790.34,"end":2790.58,"sentiment":"neutral","sentiment_score":-0.2165396809577942}],"sentiment":"neutral","sentiment_score":-0.2165396809577942,"channel":0,"num_words":2,"start":2790.34,"end":2790.58},{"sentences":[{"text":"happened.","start":2790.525,"end":2791.025,"sentiment":"neutral","sentiment_score":-0.24448078870773315}],"sentiment":"neutral","sentiment_score":-0.24448078870773315,"channel":1,"num_words":1,"start":2790.525,"end":2791.025},{"sentences":[{"text":"longer than I was expecting.","start":2790.58,"end":2791.8801,"sentiment":"neutral","sentiment_score":-0.16334668546915054}],"sentiment":"neutral","sentiment_score":-0.16334668546915054,"channel":0,"num_words":5,"start":2790.58,"end":2791.8801},{"sentences":[{"text":"That's what I said to Michelle when she jumped on and said, ah.","start":2793.325,"end":2795.805,"sentiment":"neutral","sentiment_score":0.07415867625520779},{"text":"Because I I thought it was you.","start":2795.805,"end":2797.085,"sentiment":"neutral","sentiment_score":0.017406383263213292},{"text":"So I said, hey.","start":2797.085,"end":2797.645,"sentiment":"neutral","sentiment_score":0.006141770631074905},{"text":"You're going down?","start":2797.645,"end":2798.2048,"sentiment":"neutral","sentiment_score":-0.014987800270318985}],"sentiment":"neutral","sentiment_score":0.03946337614346434,"channel":1,"num_words":27,"start":2793.325,"end":2798.2048},{"sentences":[{"text":"Yep.","start":2798.115,"end":2798.615,"sentiment":"neutral","sentiment_score":0.0024294196628034115}],"sentiment":"neutral","sentiment_score":0.0024294196628034115,"channel":0,"num_words":1,"start":2798.115,"end":2798.615},{"sentences":[{"text":"I told her.","start":2798.2048,"end":2798.725,"sentiment":"neutral","sentiment_score":-0.018439636876185734},{"text":"She's on.","start":2798.725,"end":2799.125,"sentiment":"neutral","sentiment_score":-0.0254044309258461},{"text":"I said, oh, okay.","start":2799.125,"end":2801.085,"sentiment":"neutral","sentiment_score":-0.025349529925733805},{"text":"I said, I've I've got guess what's gonna happen.","start":2801.085,"end":2803.23,"sentiment":"neutral","sentiment_score":-0.14128603372308943},{"text":"Because as soon","start":2803.39,"end":2803.95,"sentiment":"neutral","sentiment_score":-0.05880753447612127}],"sentiment":"neutral","sentiment_score":-0.07883441900568348,"channel":1,"num_words":21,"start":2798.2048,"end":2803.95},{"sentences":[{"text":"Yeah.","start":2803.875,"end":2804.375,"sentiment":"neutral","sentiment_score":-0.04424342513084411}],"sentiment":"neutral","sentiment_score":-0.04424342513084411,"channel":0,"num_words":1,"start":2803.875,"end":2804.375},{"sentences":[{"text":"as it started to go over time, I did.","start":2803.95,"end":2805.4302,"sentiment":"neutral","sentiment_score":-0.10895812180307177},{"text":"I thought, oh, no.","start":2805.4302,"end":2806.03,"sentiment":"neutral","sentiment_score":-0.1750746350735426},{"text":"She's got caught.","start":2806.03,"end":2807.01,"sentiment":"negative","sentiment_score":-0.3869828979174296}],"sentiment":"neutral","sentiment_score":-0.17761689564213157,"channel":1,"num_words":16,"start":2803.95,"end":2807.01},{"sentences":[{"text":"Yeah.","start":2807.97,"end":2808.45,"sentiment":"neutral","sentiment_score":-0.127435103058815}],"sentiment":"neutral","sentiment_score":-0.127435103058815,"channel":0,"num_words":1,"start":2807.97,"end":2808.45},{"sentences":[{"text":"And","start":2808.35,"end":2808.51,"sentiment":"neutral","sentiment_score":-0.11083328723907472}],"sentiment":"neutral","sentiment_score":-0.11083328723907472,"channel":1,"num_words":1,"start":2808.35,"end":2808.51},{"sentences":[{"text":"Sorry","start":2808.45,"end":2808.85,"sentiment":"neutral","sentiment_score":-0.2010263949632645}],"sentiment":"neutral","sentiment_score":-0.2010263949632645,"channel":0,"num_words":1,"start":2808.45,"end":2808.85},{"sentences":[{"text":"I was gonna","start":2808.51,"end":2809.07,"sentiment":"neutral","sentiment_score":-0.2119386593500773}],"sentiment":"neutral","sentiment_score":-0.2119386593500773,"channel":1,"num_words":3,"start":2808.51,"end":2809.07},{"sentences":[{"text":"about","start":2808.85,"end":2809.33,"sentiment":"neutral","sentiment_score":-0.20346012711524963}],"sentiment":"neutral","sentiment_score":-0.20346012711524963,"channel":0,"num_words":1,"start":2808.85,"end":2809.33},{"sentences":[{"text":"say, if","start":2809.07,"end":2809.55,"sentiment":"neutral","sentiment_score":-0.1651252806186676}],"sentiment":"neutral","sentiment_score":-0.1651252806186676,"channel":1,"num_words":2,"start":2809.07,"end":2809.55},{"sentences":[{"text":"that.","start":2809.33,"end":2809.83,"sentiment":"neutral","sentiment_score":-0.1383763998746872}],"sentiment":"neutral","sentiment_score":-0.1383763998746872,"channel":0,"num_words":1,"start":2809.33,"end":2809.83},{"sentences":[{"text":"you if you did ring up, I was just gonna say, look.","start":2809.55,"end":2811.95,"sentiment":"neutral","sentiment_score":-0.09239272462824981},{"text":"Go home, and we'll talk about it later because you've","start":2811.95,"end":2814.27,"sentiment":"neutral","sentiment_score":-0.024422976258210837}],"sentiment":"neutral","sentiment_score":-0.06149738446005027,"channel":1,"num_words":22,"start":2809.55,"end":2814.27},{"sentences":[{"text":"Oh,","start":2814.1301,"end":2814.61,"sentiment":"neutral","sentiment_score":0.03318158909678459}],"sentiment":"neutral","sentiment_score":0.03318158909678459,"channel":0,"num_words":1,"start":2814.1301,"end":2814.61},{"sentences":[{"text":"got a long","start":2814.27,"end":2814.67,"sentiment":"neutral","sentiment_score":0.04741795857747396}],"sentiment":"neutral","sentiment_score":0.04741795857747396,"channel":1,"num_words":3,"start":2814.27,"end":2814.67},{"sentences":[{"text":"you're","start":2814.61,"end":2815.01,"sentiment":"neutral","sentiment_score":0.11122292280197144}],"sentiment":"neutral","sentiment_score":0.11122292280197144,"channel":0,"num_words":1,"start":2814.61,"end":2815.01},{"sentences":[{"text":"way to go.","start":2814.67,"end":2815.23,"sentiment":"neutral","sentiment_score":0.04550434152285258}],"sentiment":"neutral","sentiment_score":0.04550434152285258,"channel":1,"num_words":3,"start":2814.67,"end":2815.23},{"sentences":[{"text":"a gem.","start":2815.01,"end":2815.67,"sentiment":"neutral","sentiment_score":0.23312337696552277}],"sentiment":"neutral","sentiment_score":0.23312337696552277,"channel":0,"num_words":2,"start":2815.01,"end":2815.67},{"sentences":[{"text":"So it's","start":2815.23,"end":2816.225,"sentiment":"neutral","sentiment_score":0.11812122911214828}],"sentiment":"neutral","sentiment_score":0.11812122911214828,"channel":1,"num_words":2,"start":2815.23,"end":2816.225},{"sentences":[{"text":"Yeah.","start":2816.1301,"end":2816.53,"sentiment":"neutral","sentiment_score":0.2010456621646881},{"text":"You're a gem, but no.","start":2816.53,"end":2817.73,"sentiment":"neutral","sentiment_score":0.19645283222198487},{"text":"Thank you so much for taking my call today.","start":2817.73,"end":2820.29,"sentiment":"positive","sentiment_score":0.768723746140798},{"text":"I hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that","start":2820.29,"end":2824.935,"sentiment":"positive","sentiment_score":0.6201731157302857}],"sentiment":"positive","sentiment_score":0.5901537857949734,"channel":0,"num_words":40,"start":2816.1301,"end":2824.935},{"sentences":[{"text":"yep.","start":2824.8452,"end":2825.3452,"sentiment":"positive","sentiment_score":0.3653166890144348}],"sentiment":"positive","sentiment_score":0.3653166890144348,"channel":1,"num_words":1,"start":2824.8452,"end":2825.3452},{"sentences":[{"text":"you do have.","start":2824.935,"end":2825.4949,"sentiment":"neutral","sentiment_score":0.3083093563715617},{"text":"Happy to","start":2825.4949,"end":2826.055,"sentiment":"positive","sentiment_score":0.6338963210582733}],"sentiment":"positive","sentiment_score":0.4385441422462463,"channel":0,"num_words":5,"start":2824.935,"end":2826.055},{"sentences":[{"text":"Yep.","start":2825.965,"end":2826.125,"sentiment":"positive","sentiment_score":0.4179979264736175}],"sentiment":"positive","sentiment_score":0.4179979264736175,"channel":1,"num_words":1,"start":2825.965,"end":2826.125},{"sentences":[{"text":"take","start":2826.055,"end":2826.295,"sentiment":"positive","sentiment_score":0.4410001039505005}],"sentiment":"positive","sentiment_score":0.4410001039505005,"channel":0,"num_words":1,"start":2826.055,"end":2826.295},{"sentences":[{"text":"You're","start":2826.125,"end":2826.365,"sentiment":"positive","sentiment_score":0.5745527744293213}],"sentiment":"positive","sentiment_score":0.5745527744293213,"channel":1,"num_words":1,"start":2826.125,"end":2826.365},{"sentences":[{"text":"a","start":2826.295,"end":2826.375,"sentiment":"positive","sentiment_score":0.5794114470481873}],"sentiment":"positive","sentiment_score":0.5794114470481873,"channel":0,"num_words":1,"start":2826.295,"end":2826.375},{"sentences":[{"text":"good,","start":2826.365,"end":2826.605,"sentiment":"positive","sentiment_score":0.5451898574829102}],"sentiment":"positive","sentiment_score":0.5451898574829102,"channel":1,"num_words":1,"start":2826.365,"end":2826.605},{"sentences":[{"text":"call","start":2826.375,"end":2826.695,"sentiment":"positive","sentiment_score":0.6380504965782166}],"sentiment":"positive","sentiment_score":0.6380504965782166,"channel":0,"num_words":1,"start":2826.375,"end":2826.695},{"sentences":[{"text":"mate.","start":2826.605,"end":2827.105,"sentiment":"positive","sentiment_score":0.5246158838272095}],"sentiment":"positive","sentiment_score":0.5246158838272095,"channel":1,"num_words":1,"start":2826.605,"end":2827.105},{"sentences":[{"text":"anytime you need.","start":2826.695,"end":2827.815,"sentiment":"positive","sentiment_score":0.33385199308395386},{"text":"Okay?","start":2827.815,"end":2828.315,"sentiment":"neutral","sentiment_score":0.20380240678787231}],"sentiment":"neutral","sentiment_score":0.30133959650993347,"channel":0,"num_words":4,"start":2826.695,"end":2828.315},{"sentences":[{"text":"Yeah.","start":2828.205,"end":2828.705,"sentiment":"neutral","sentiment_score":0.21767526865005493},{"text":"Alright.","start":2828.7651,"end":2829.245,"sentiment":"neutral","sentiment_score":0.3122037649154663},{"text":"No worries, Dana.","start":2829.245,"end":2829.965,"sentiment":"positive","sentiment_score":0.4429809550444285},{"text":"Thank you, and you take care.","start":2829.965,"end":2831.31,"sentiment":"positive","sentiment_score":0.7689480682214102}],"sentiment":"positive","sentiment_score":0.5884100280024789,"channel":1,"num_words":11,"start":2828.205,"end":2831.31},{"sentences":[{"text":"My pleasure.","start":2831.185,"end":2831.905,"sentiment":"positive","sentiment_score":0.8026672601699829},{"text":"Thanks so much, Cole.","start":2831.905,"end":2833.025,"sentiment":"positive","sentiment_score":0.8432507365942001},{"text":"Have a good afternoon.","start":2833.025,"end":2834.005,"sentiment":"positive","sentiment_score":0.7189250737428665}],"sentiment":"positive","sentiment_score":0.7854037761688233,"channel":0,"num_words":10,"start":2831.185,"end":2834.005},{"sentences":[{"text":"Okay.","start":2833.55,"end":2834.05,"sentiment":"neutral","sentiment_score":0.30772557854652405},{"text":"Okay.","start":2834.35,"end":2834.75,"sentiment":"neutral","sentiment_score":0.22175313532352448},{"text":"You","start":2834.75,"end":2834.9102,"sentiment":"neutral","sentiment_score":0.16198106110095978}],"sentiment":"neutral","sentiment_score":0.23048659165700278,"channel":1,"num_words":3,"start":2833.55,"end":2834.9102},{"sentences":[{"text":"See","start":2834.785,"end":2835.025,"sentiment":"neutral","sentiment_score":0.2602001428604126}],"sentiment":"neutral","sentiment_score":0.2602001428604126,"channel":0,"num_words":1,"start":2834.785,"end":2835.025},{"sentences":[{"text":"too.","start":2834.9102,"end":2835.23,"sentiment":"neutral","sentiment_score":0.20247960090637207}],"sentiment":"neutral","sentiment_score":0.20247960090637207,"channel":1,"num_words":1,"start":2834.9102,"end":2835.23},{"sentences":[{"text":"you later.","start":2835.025,"end":2835.685,"sentiment":"neutral","sentiment_score":0.25795362889766693}],"sentiment":"neutral","sentiment_score":0.25795362889766693,"channel":0,"num_words":2,"start":2835.025,"end":2835.685},{"sentences":[{"text":"See you.","start":2835.23,"end":2835.8901,"sentiment":"neutral","sentiment_score":0.30327218770980835}],"sentiment":"neutral","sentiment_score":0.30327218770980835,"channel":1,"num_words":2,"start":2835.23,"end":2835.8901},{"sentences":[{"text":"Bye.","start":2836.145,"end":2836.645,"sentiment":"neutral","sentiment_score":0.21934863924980164}],"sentiment":"neutral","sentiment_score":0.21934863924980164,"channel":0,"num_words":1,"start":2836.145,"end":2836.645},{"sentences":[{"text":"Yep.","start":2837.07,"end":2837.57,"sentiment":"neutral","sentiment_score":-0.09633678197860718}],"sentiment":"neutral","sentiment_score":-0.09633678197860718,"channel":1,"num_words":1,"start":2837.07,"end":2837.57}]},"summary":{"result":"success","short":"Representatives from OQ discuss the process for reviewing and changing advice documents, including retirement goals and cash on budgeting for savings, reducing risk levels, and replacing investments with better ones. The speakers emphasize the importance of diversification and reducing risk levels gradually while maintaining a stable retirement plan and reducing risk levels gradually. They also discuss the retirement transition strategy, income and retirement deductions, and the importance of updating income and retirement deductions. The process for adjusting retirement plans and updating retirement plans is discussed, including updating retirement plans and reviewing the retirement plan and reducing risk levels. The speakers emphasize the importance of reading the recommendations and their benefits for the customer and emphasize the importance of reducing risk levels gradually while maintaining a stable retirement plan. The conversation ends with the agent thanking the customer and reminding them of their appointment."},"intents":{"segments":[{"text":"No. That was good. That was yesterday, and I'm back Yep. to full time, back to Fantastic. pre injury duty. So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay. So Fantastic.","start_word":258,"end_word":302,"intents":[{"intent":"Change appointment time","confidence_score":0.00009681871}]},{"text":"On the front of the document there, you will see it has been prepared for yourself, Colin Andrews, This is as this is of the the statement twenty fifth of advice. of May.","start_word":460,"end_word":492,"intents":[{"intent":"Review document","confidence_score":0.046667743},{"intent":"Clarify purpose","confidence_score":0.0066632456}]},{"text":"So we're looking towards your retirement goals down the track here.","start_word":698,"end_word":708,"intents":[{"intent":"Consider extending retirement goals","confidence_score":0.000034203476}]},{"text":"keep updating and changing it to reflect the changes in your circumstances as you get closer to it.","start_word":735,"end_word":752,"intents":[{"intent":"Update and update advice","confidence_score":0.028648999}]},{"text":"So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you.","start_word":947,"end_word":969,"intents":[{"intent":"Discuss investment switch","confidence_score":0.08377778}]},{"text":"We are gonna retain the S and P 500, so buying a bit more of that in there.","start_word":1166,"end_word":1183,"intents":[{"intent":"Keeping investments","confidence_score":0.13436301},{"intent":"Keeping investment prices and positions","confidence_score":2.6557815e-11}]},{"text":"One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index. So you're tracking the top 500 companies in The US. To be in that index, these companies actually have to meet a certain criteria. So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index. Okay.","start_word":1248,"end_word":1319,"intents":[{"intent":"Removing investments","confidence_score":0.0015352628}]},{"text":"They've had some underlying issues, so we've reviewed Yep. them and decided they're not worth keeping in the portfolio.","start_word":1478,"end_word":1496,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.23911615}]},{"text":"Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well.","start_word":1845,"end_word":1886,"intents":[{"intent":"Clarify portfolio content","confidence_score":0.0000020874254}]},{"text":"But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio. Okay. Yeah.","start_word":2216,"end_word":2241,"intents":[{"intent":"Provide overview","confidence_score":0.0010748563}]},{"text":"the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there.","start_word":2652,"end_word":2691,"intents":[{"intent":"Calculate portfolio tax consequences","confidence_score":0.0009846211}]},{"text":"It's best to try and retain where you can and switch investments where you can as well. So Yeah.","start_word":2898,"end_word":2916,"intents":[{"intent":"Retain","confidence_score":0.14460026}]},{"text":"you virtually, you're following the flow the same as anyone would in any business. Yeah.","start_word":2974,"end_word":2988,"intents":[{"intent":"Follow flow","confidence_score":0.9130567},{"intent":"Share insights","confidence_score":0.000027131868}]},{"text":"you virtually, you're following the flow the same as anyone would in any business. Yeah. But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually. Yeah.","start_word":2974,"end_word":3022,"intents":[{"intent":"Follow markets","confidence_score":0.35325956}]},{"text":"The good thing about the investment switch is you'll see your investment fees do drop. So we started off with the $12.58. It's down to $5.29 with the new portfolio. So it essentially saves $729 in investment fees for the first year, which is great. Any kind of saving on fees means that that money stays in your super in your portfolio growing towards Yes.","start_word":3103,"end_word":3167,"intents":[{"intent":"Save money","confidence_score":0.48337913}]},{"text":"your retirement, which is a a great advantage to the changes. Yep.","start_word":3168,"end_word":3179,"intents":[{"intent":"Discuss retirement","confidence_score":0.003591149}]},{"text":"If you go down to the next page, page number 24, we've got the retirement that. income calculated there.","start_word":3408,"end_word":3426,"intents":[{"intent":"Calculate retirement income","confidence_score":0.0007893955}]},{"text":"We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well.","start_word":3444,"end_word":3465,"intents":[{"intent":"Consider retirement eligibility","confidence_score":0.0018487982}]},{"text":"We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we Yep. need to to make sure everything continues to work hard for you. Okay.","start_word":3595,"end_word":3629,"intents":[{"intent":"Keep checking to see progress","confidence_score":0.0019202569}]},{"text":"Beautiful.","start_word":3633,"end_word":3633,"intents":[{"intent":"Express gratitude","confidence_score":0.007056253}]},{"text":"It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition. Yeah.","start_word":3635,"end_word":3678,"intents":[{"intent":"Track progress","confidence_score":0.41628045}]},{"text":"But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR Yeah. strategy, Cool.","start_word":4092,"end_word":4113,"intents":[{"intent":"Refresh pensions","confidence_score":0.07011477},{"intent":"Refresh tr strategy","confidence_score":0.0119743375}]},{"text":"So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal.","start_word":4334,"end_word":4377,"intents":[{"intent":"Save money","confidence_score":0.00030926926}]},{"text":"It's really important that any recommendations we make are in your best interest in working for your goals. Okay?","start_word":4714,"end_word":4732,"intents":[{"intent":"Set goals","confidence_score":0.005484997}]},{"text":"You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well.","start_word":4737,"end_word":4762,"intents":[{"intent":"Determine benefits","confidence_score":0.0006340483}]},{"text":"So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you.","start_word":4841,"end_word":4876,"intents":[{"intent":"Set up transition strategy","confidence_score":0.18844457},{"intent":"Restock income","confidence_score":0.019315396}]},{"text":"To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off.","start_word":5001,"end_word":5038,"intents":[{"intent":"Calculate salary deductions","confidence_score":0.04050337}]},{"text":"We're sort of not really worried about that at the moment because we're working on the proposed side of things. Yeah.","start_word":5105,"end_word":5125,"intents":[{"intent":"Explain proposal details","confidence_score":0.009417243}]},{"text":"I can always come back, reevaluate the math a little bit, and we can always refresh it and move it Yeah.","start_word":5579,"end_word":5599,"intents":[{"intent":"Reevaluate pay changes","confidence_score":0.00017021706}]},{"text":"We can refresh this as often as we like. We try to do it once a year.","start_word":6000,"end_word":6016,"intents":[{"intent":"Rerun and refresh pay slip","confidence_score":0.00045835978}]},{"text":"So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you. That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in.","start_word":6106,"end_word":6163,"intents":[{"intent":"Review and review numbers","confidence_score":0.000021046011}]},{"text":"So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes. Yep.","start_word":6309,"end_word":6355,"intents":[{"intent":"Assist with payroll changes","confidence_score":0.0008994921}]},{"text":"And and, you know, I said the doctor's on my side anyway. So Yeah.","start_word":6552,"end_word":6565,"intents":[{"intent":"Evaluate medical situation","confidence_score":0.002113691}]},{"text":"The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name. So, Yeah.","start_word":7068,"end_word":7093,"intents":[{"intent":"Compare incomes","confidence_score":0.00007187301}]},{"text":"And these strategies can be altered and changed as we need to as well.","start_word":7569,"end_word":7582,"intents":[{"intent":"Optimize investment strategy","confidence_score":0.0010899962}]},{"text":"So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you. Okay? Yep.","start_word":7584,"end_word":7628,"intents":[{"intent":"Review and plan review","confidence_score":0.00027218292}]},{"text":"Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there.","start_word":7637,"end_word":7673,"intents":[{"intent":"Provide breakdown of investments","confidence_score":0.11296421}]},{"text":"We've got another sort of fee comparison table there, and Yep. that shows the adviser fee spread across the two accounts there for you.","start_word":7772,"end_word":7795,"intents":[{"intent":"Show fee comparison table","confidence_score":0.040475484}]},{"text":"the portfolio that we're investing in is overall cheaper. Okay?","start_word":7859,"end_word":7868,"intents":[{"intent":"Discuss portfolio improvement","confidence_score":0.0029668454}]},{"text":"And then, yeah, the portfolio, we do sort of hope works a little bit harder for you. We can do catch ups as we're going through to see how things are working.","start_word":7873,"end_word":7904,"intents":[{"intent":"Arrange catch-ups","confidence_score":0.009416717}]},{"text":"I can just update that advice prior to us moving into the pension phase for you. Is that okay?","start_word":8062,"end_word":8080,"intents":[{"intent":"Update advice and discuss insurance coverage","confidence_score":0.0006680349}]},{"text":"If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one. But I'll Yeah.","start_word":8712,"end_word":8742,"intents":[{"intent":"Update advice","confidence_score":0.30874568}]},{"text":"If if everything still stacks up with your Yep. new payslip, Yep. then we won't need to make any changes. Yeah.","start_word":8798,"end_word":8818,"intents":[{"intent":"Check status of changes","confidence_score":0.000032756972}]},{"text":"So when are you you're back full time as of next week. Is that right?","start_word":8851,"end_word":8865,"intents":[{"intent":"Discuss readiness for full-time availability","confidence_score":1.6077567e-7}]},{"text":"I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's Yep. been so it's virtually nearly two months. So and and, yeah, I haven't had any specific real Okay. problems, so I don't see there's gonna be too much of an issue going forward. So Yeah.","start_word":8944,"end_word":9009,"intents":[{"intent":"Express uncertainty about future issues","confidence_score":0.03597907},{"intent":"Explain situation","confidence_score":0.0035835353}]},{"text":"Well, back full time, back Monday to Friday again. That'll be really good.","start_word":9016,"end_word":9028,"intents":[{"intent":"Explain on-going schedule","confidence_score":0.0000033363508}]}]},"sentiments":{"segments":[{"text":"Hello, Dana. Hi, Colin. It's Zaina from OQ. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.14308728277683258},{"text":"I'm good, mate. How are you going? I'm very well. Thank you.","start_word":11,"end_word":22,"sentiment":"positive","sentiment_score":0.5552652478218079},{"text":"How's your day been so far? Not bad, mate. Not bad. Yeah. Can't Oh, complain.","start_word":23,"end_word":37,"sentiment":"neutral","sentiment_score":0.1787746399641037},{"text":"fan fantastic.","start_word":38,"end_word":39,"sentiment":"positive","sentiment_score":0.48296067118644714},{"text":"I had to book in just to go through your updated advice document. Is Nashville a good time there for you? Yeah, mate. No. That's far away. Fan fantastic. Do you happen to have access to your emails at the moment? I know I had Yep. sent that Yep. one Got through it all already. open, ready to go. Got Yep. it there.","start_word":40,"end_word":102,"sentiment":"neutral","sentiment_score":0.08058952540159225},{"text":"Fantastic.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.3795749545097351},{"text":"Have you had a chance to have a bit of a look through it? I had to skim through it last night. Yeah. And Yep. and, you Yep. know, only a quick one, but I had a look through Alright. it, mate. And and I think just from what I could see, like, not knowing the ins and outs specifically, Yeah. but it's it's pretty well what I want. Yeah. Perfect. I don't I Perfect. don't know. Just the way things are going, I don't you know, I just wanna have it nice and easy and and Yeah. whatever and and virtually just try and get as much into my super as I can, really, is what I'm Yeah. trying to to pump Absolutely. in. So Yeah. Absolutely. And with I know you were going back to the doctors over the last couple of days. How did that last appointment go for you? Yeah. No. That was good. That was yesterday, and I'm back Yep. to full time, back to Fantastic. pre injury duty. So it'll be probably not this week, not next week, the week after, I'll be I'll be virtually back to to full pay. So Fantastic. Yep. Back to full pay.","start_word":104,"end_word":307,"sentiment":"neutral","sentiment_score":0.05628273636102677},{"text":"Excellent. Fantastic.","start_word":308,"end_word":309,"sentiment":"positive","sentiment_score":0.42742031812667847},{"text":"Well, good to hear that's what you've been aiming Oh, for. you reckon? It's good to you're back early than you thought till you thought it would take a few more months.","start_word":310,"end_word":341,"sentiment":"neutral","sentiment_score":0.2500433325767517},{"text":"That's really good.","start_word":342,"end_word":344,"sentiment":"positive","sentiment_score":0.444616436958313},{"text":"Yeah. Oh, well, yeah. It's a bit quicker because I've they work I think the rehab worker was trying to, like, draw it out a little bit, but, Yeah. you know, what I said to the doctor, I said, no.","start_word":345,"end_word":384,"sentiment":"neutral","sentiment_score":-0.06614584103226662},{"text":"I don't want that.","start_word":385,"end_word":388,"sentiment":"negative","sentiment_score":-0.35133329033851624},{"text":"I wanna just get back as soon as I can because everything's working Yeah. okay where Of everything's course.","start_word":389,"end_word":407,"sentiment":"neutral","sentiment_score":0.022005457431077957},{"text":"good.","start_word":408,"end_word":408,"sentiment":"positive","sentiment_score":0.3604690432548523},{"text":"And, Yeah. you know, it's alright for them to do that because they're not losing money. So Yes. they don't Absolutely. they don't particularly worry about that side of it. But Yeah. anyway, No. that's all good.","start_word":409,"end_word":445,"sentiment":"neutral","sentiment_score":0.1318335086107254},{"text":"Absolutely. All good. All good.","start_word":446,"end_word":450,"sentiment":"positive","sentiment_score":0.49657154083251953},{"text":"Well, let's run through this one for you. Yep. On the front of the document there, you will see it has been prepared for yourself, Colin Andrews, This is as this is of the the statement twenty fifth of advice. of May. That's the one. Yeah. Definitely. Yep. Okay. Hang on. Attach you alright? Yep. Got him. Yeah. Sorry Got if I him got now. a bit too fast for you. Well, I had everything lined up, but I didn't know which one you're gonna look at first. So No. That's okay. Attached to the rest of the email, the other documents that you can run your eyes over, I do have, yeah, the product disclosure statements for you, a copy of the advice document, the appendix with the research attached to it as well, and the financial services guide. So you're welcome to sort of run your eyes to those if you wanted to a bit later on, but we're just gonna focus on this document for the moment. Yep. On the front of the very bottom, it does have my license number registered for you. It's 1304394. I'm an authorized representative registered with Assic. To make this a bit easier, we're sort of scoping in areas of superannuation. We are looking at personal insurances, your life integrity you have there, and the estate planning side of things, that's being factored in there as well, And then areas that were scoped into a limited scope. So we're looking towards your retirement goals down the track here. So we scoped into a limited scope just the retirement side of things just to sort of show where we're tracking with the advice, and we'll Yep. keep updating and changing it to reflect the changes in your circumstances as you get closer to it. Yep. Areas that we're not really looking at with the guide to the advice are cash on budgeting for savings. We're not looking to get any new insurances to income protection or trauma, and you do have a will and power of attorney. You were really happy with how they are structured, so Yep. we're not looking to make any alterations to that side of the estate planning side of things for you. Okay? Yep. Yep.","start_word":451,"end_word":828,"sentiment":"neutral","sentiment_score":0.03706124158842223},{"text":"Perfect. That's cool.","start_word":829,"end_word":831,"sentiment":"positive","sentiment_score":0.7151338458061218},{"text":"Now to make it a bit easier for you, I will just sort of skip through a couple of pages and stick to sort of the Yep. areas that I need to, and then I'll let you go back and have a really good review of things if you like. Yes. Yes. That's To no make worries. it a bit easier on you, if you scroll down to page number 19, this is where I'll sort of start looking at things, and Yep. I'll just sort of run you through the recommendations as we are going through. Okay? No worries. Octolio is Perfect. fine. You're right. Okay. Page nine nine. Yep. That's the one?","start_word":832,"end_word":945,"sentiment":"neutral","sentiment_score":0.20138898491859436},{"text":"Perfect.","start_word":946,"end_word":946,"sentiment":"positive","sentiment_score":0.3838490843772888},{"text":"So this one here, essentially, to start the recommendations off, we are looking to do a bit of an investment switch for you. So at the moment, one of the things we did sort of talk about was reducing your risk level. At the moment, you are in more of a a growth environment, which is a eighty twenty split between growth and defensive investments. And we did talk about with the market ups and downs with you being a bit closer to your retirement age and wanting to access super in a shorter time frame, looking at reducing that risk and moving you more into that balanced growth environment. So we're starting to step down and Yep. reduce that risk level gradually for you. We are looking to make a bit of an switch with the investments there. So you'll see the ones in red are where we're selling, and the ones in green are what we're gonna be buying. So, essentially, Yep. we'll be selling off some of the Aveda shares cybersecurity. We still wanna Yep. hold about 4% of your total portfolio. Yep. We're gonna be selling off the India quality ETF investment holding none of that in the newer portfolio. Uh-huh. With the health care side of things, we'll sell that completely down as well. We are gonna retain the S and P 500, so buying a bit more of that in there. I know there has been a bit of a question about The US and how it's also going, but, realistically, it is still a really good place to be invested. So it does have ups and downs in the shorter term, but over the longer term, international equity still do really perform very, very well. So we do wanna hold about 25% there. Yep. One of the other things I do like to kinda point out is with the S and P 500, this investment is tracking an index. So you're tracking the top 500 companies in The US. To be in that index, these companies actually have to meet a certain criteria. So if they don't meet the criteria, they're removed from the index and therefore removed from these investments that track the index. Okay. So Got it. So, yeah, yeah. they if they don't perform, they're they're Yep. kicked out. Absolutely. Yeah. So you are always tracking the top 500 companies, which Yep.","start_word":947,"end_word":1348,"sentiment":"neutral","sentiment_score":0.07609942666630247},{"text":"is really good to kind of know.","start_word":1349,"end_word":1355,"sentiment":"positive","sentiment_score":0.33732903003692627},{"text":"Yeah. Mhmm. So with the rest of them, we've got the beta shares Rafi a 200 there, the Australian two hundred. We're going to get rid of that investment Okay. completely, and we are also getting rid of Bennelong Australian Equities. It's the one that has been underperforming a bit in recent months there. Bennelong was meant to be more of an actively managed fund within your portfolio, and it was Yep. supposed to be the idea of this sort of active management or the active manager for Bennelong was that they're meant to be buying and selling investments and trying to outperform against the market or the index that they're trying to track, but they haven't been able to do that. They've had some underlying issues, so we've reviewed Yep.","start_word":1356,"end_word":1486,"sentiment":"neutral","sentiment_score":-0.08979612759506429},{"text":"them and decided they're not worth keeping in the portfolio.","start_word":1487,"end_word":1496,"sentiment":"negative","sentiment_score":-0.45107242465019226},{"text":"Mhmm. So we are gonna replace them, and we're replacing them with something a little bit better so also cheaper. We're actually on the top of the next page. We're placing them with the a 200 here, so the BetaShares Australian 200. Okay. Yep. By doing this, the a 200 tracks the top 200 companies on the ASX. Been along generally held between 15 to 30 different investment options, whereas the a 200, you've increased the diversification by having exposures to the top 200 companies Yep. on the Australian share market. So it's more of a passively managed fund.","start_word":1497,"end_word":1595,"sentiment":"neutral","sentiment_score":0.11852115392684937},{"text":"It's actually cheaper to hold in your portfolio, but it's also helping to provide greater diversification, which is important as well.","start_word":1596,"end_word":1616,"sentiment":"positive","sentiment_score":0.34760215878486633},{"text":"Okay. Yep. Yep. No problem. Yeah.","start_word":1617,"end_word":1622,"sentiment":"neutral","sentiment_score":0.11127369850873949},{"text":"Perfect.","start_word":1623,"end_word":1623,"sentiment":"positive","sentiment_score":0.40680626034736633},{"text":"We've also got down here for the JPMorgan Global Enhanced Research Index Fund there. We are gonna remove that from the portfolio wholly, and we've got some physical gold there.","start_word":1624,"end_word":1653,"sentiment":"neutral","sentiment_score":0.06327696144580841},{"text":"It has done really well.","start_word":1654,"end_word":1658,"sentiment":"positive","sentiment_score":0.47356611490249634},{"text":"We're just rebalancing it back a little bit. At the moment, you've got about 10.54%. We just wanna hold 10% overall in the new portfolio. So it's just about selling a little bit of that off and spreading that across other areas. Mhmm. Yep. We've got the iShares Yield plus that one there is being completely sold down. And the bank hybrids, again, they are being removed completely as well. Both investments are really good, haven't performed poorly, but we are just sort of rebalancing and moving the funds across and into other areas for your defensive investments there. And bank hybrids Yep. over the next couple of years are actually gonna be phased out by the government. So we're taking a stance to look at removing them now whilst we are making changes to your portfolio rather Yep. than in Yep. a couple of years. Once they're fully phased out, Yep. We have to make that change quickly. So we're Yep. just making the change whilst we're doing all the other changes here at the moment for you. Okay? Yep. Not a problem.","start_word":1659,"end_word":1842,"sentiment":"neutral","sentiment_score":-0.027333397074076143},{"text":"Perfect. Yep.","start_word":1843,"end_word":1844,"sentiment":"positive","sentiment_score":0.431414932012558},{"text":"Buying into the European exposure with the iShares Europe, we have about seven percent of your total portfolio invested, exposure into Japan there as well with about 3% of your total portfolio, and the Vanguard or World ex US index as well. So, essentially, this is yeah, diversifying across the globe. Not The US because you have the S and P 500 there. That's why it's ex Yep. US. But it is, again, giving you diversification. So one of the important parts of diversifying your portfolio is not only having growth Mhmm. in defensive investments, but also different investments from different countries, different areas looking at already built markets as well as up and coming markets as well for a bit of additional growth there.","start_word":1845,"end_word":1969,"sentiment":"neutral","sentiment_score":0.22306722402572632},{"text":"So this does help to overall increase your increase your diversification, which helps to mitigate long term market risk as well.","start_word":1970,"end_word":1990,"sentiment":"positive","sentiment_score":0.4736778736114502},{"text":"Okay? Yep. Yep. The next page there, we've got the beta shares a 200, which is what we're essentially replacing Van along with. And then defensive investments wise, we've also got the core composite bonds in there. So bonds this is looking at bonds both corporate and government. It also has bank notes, and it also does have some diversification across the globe as well.","start_word":1991,"end_word":2055,"sentiment":"neutral","sentiment_score":0.15781764686107635},{"text":"So making sure that we're not only having growth investments to get that additional growth that you're after and get good returns, but some defensive investments for long term market volatility mitigation, making sure we're getting some income in there as well because income is really important. You wanna have dividends and income produced out of your portfolio. That goes into your cash account, and we can reinvest that back into your portfolio for compounding. So bonds are really good.","start_word":2056,"end_word":2135,"sentiment":"positive","sentiment_score":0.4164871573448181},{"text":"A bit like term deposits, they pay income payments either monthly or quarterly depending on the bond they are, and that money can be reinvested back into your portfolio for compounding, which is really cool. Okay. Yep. K. Gotcha.","start_word":2136,"end_word":2174,"sentiment":"neutral","sentiment_score":0.25607794523239136},{"text":"Beautiful.","start_word":2175,"end_word":2175,"sentiment":"positive","sentiment_score":0.5361573100090027},{"text":"I try to keep that pretty brief. Not everyone's that interested in all those investment options, but if there is anything, like, in further detail you want, you're welcome to let me know.","start_word":2176,"end_word":2208,"sentiment":"neutral","sentiment_score":0.13382458686828613},{"text":"Happy to go further down for you.","start_word":2209,"end_word":2215,"sentiment":"positive","sentiment_score":0.4510561227798462},{"text":"But this is giving you a brief overview of essentially what we're swapping out, putting in there, and what's gonna change with your portfolio. Okay. Yeah. Right. Yeah. Yep. Yeah. Not a worry. Yeah.","start_word":2216,"end_word":2249,"sentiment":"neutral","sentiment_score":0.16687045991420746},{"text":"Easy. All good.","start_word":2250,"end_word":2252,"sentiment":"positive","sentiment_score":0.4111182391643524},{"text":"If you scroll down to the next page there for me, you'll see you've got your asset allocation, the proposed asset allocation table there. Yes. Correct. Yeah.","start_word":2253,"end_word":2279,"sentiment":"neutral","sentiment_score":0.11268087476491928},{"text":"Beautiful.","start_word":2280,"end_word":2280,"sentiment":"positive","sentiment_score":0.4729080498218536},{"text":"So we're moving you down into that balanced growth environment. So starting to reduce your risk level gradually as you get closer to accessing super. So this risk profile generally sees at 20 oh, sorry. 70% in growth investments and 30% defensive. It's things like Australian equities, international equities, property, and growth assets, so growth alternatives like gold and silver, and then Okay. defensive assets of things like fixed interest, other defensive things like bank notes and things like that, and then also Yep. some cash in there as well. So it's about diversifying there. With your existing portfolio, the way you are at the moment, you're actually 81.35% in those growth investments and about 18.65% in defensive investments. So a bit overweighted with where we are at the moment, more in that growth kind of allocation. So with the proposed changes, it'll see us reduce your growth exposure down to 65% and then bring your defensive investments up to 35%. So it's about sort of a 5% variance from where that growth in defensive allocation Yeah. for It's your not risk yet. profile is, but it's very much in line with that. And it's about just reducing your risk level a little bit, which is what this portfolio does for you. Does that make sense? Yep. Yep. Yep. K.","start_word":2281,"end_word":2500,"sentiment":"neutral","sentiment_score":0.09662536531686784},{"text":"Perfect. Excellent.","start_word":2501,"end_word":2502,"sentiment":"positive","sentiment_score":0.5648669004440308},{"text":"We've also got here on the next page to see comparison table. So, essentially, having a look, you'll see you've got your current portfolio on the first column there, noting your current balance, the admin fees, investment fees, any other fees applicable that you are currently paying, the ongoing service fee for us looking after everything for you, and then also your contributions going in as well, and then your insurance premiums at the current rate there at the moment. With where you are currently, you're in that growth portfolio, which hasn't done too badly. You've had a really good couple of years of returns there, and this current portfolio has averaged about 11.73% over the past three years there. But because we are wanting to look at making changes, reducing risk level, it's important that we, you know, do so in the best manner possible. Mhmm. So Yes. the good thing is when we when we do look at making changes in your portfolio, we do factor in the tax consequences for doing so, and that would normally show here in that different column at the top there. So with making the changes to your investments as noted above, we actually noted that there's no capital gains. The the losses that been along and any other investments that are down have seen have offset the gains that we might be cementing by moving some of the other investments and rebalancing a little bit. Yep.","start_word":2503,"end_word":2747,"sentiment":"neutral","sentiment_score":0.14774282276630402},{"text":"So it actually means that there's no CGT consequences your super fund has to account for, which is great.","start_word":2748,"end_word":2766,"sentiment":"positive","sentiment_score":0.436647891998291},{"text":"No additional tax for your super fund to worry about.","start_word":2767,"end_word":2776,"sentiment":"neutral","sentiment_score":0.26742807030677795},{"text":"Happy So with that.","start_word":2777,"end_word":2780,"sentiment":"positive","sentiment_score":0.5086334347724915},{"text":"yeah.","start_word":2781,"end_word":2781,"sentiment":"neutral","sentiment_score":0.2972533702850342},{"text":"Absolutely.","start_word":2782,"end_word":2782,"sentiment":"positive","sentiment_score":0.3615888059139252},{"text":"Absolutely. So it does mean the balance expected in the recommended would be about the same as the $311,002.79. We are retaining Hub twenty four, so there's no change in the investment fees there.","start_word":2783,"end_word":2816,"sentiment":"neutral","sentiment_score":0.18686383962631223},{"text":"Hub twenty four is still a great platform.","start_word":2817,"end_word":2824,"sentiment":"positive","sentiment_score":0.5281322598457336},{"text":"There's no real major changes that needs to happen to that at the moment. We do wanna obviously keep checking things. We do reevaluate. We are looking at investments, other platforms out there, and we did consider a few. But the the capital gains cost of selling down your portfolio completely and moving to a new fund Yeah.","start_word":2825,"end_word":2882,"sentiment":"neutral","sentiment_score":-0.06471993029117584},{"text":"just doesn't really add up at all. So it ended up being too much.","start_word":2883,"end_word":2896,"sentiment":"negative","sentiment_score":-0.5901944041252136},{"text":"It's best to try and retain where you can and switch investments where you can as well. So Yeah.","start_word":2897,"end_word":2915,"sentiment":"neutral","sentiment_score":0.2171785980463028},{"text":"That's right. It makes sense.","start_word":2916,"end_word":2920,"sentiment":"positive","sentiment_score":0.38974958658218384},{"text":"I mean, you just gotta keep following them. Well, I mean, it's hard, but it's easy for you to say that. I don't I don't get a lot of what you, you know, what you fellas do. But, Yeah. I mean, you you just know where you are sort of thing. So Yeah. you virtually, you're following the flow the same as anyone would in any business. Yeah. But, yeah, like, I don't I don't see a lot of that because I don't follow the the markets that much, you know, like, anything like that in in the long run virtually. Yeah. So, I mean, a Yeah. lot of this stuff is in the dark for me, but I'm I'm getting what you're saying. Yeah. That's And good. it and it all That's and good. it all makes sense. You know? So Yeah.","start_word":2921,"end_word":3063,"sentiment":"neutral","sentiment_score":0.027053147554397583},{"text":"so Perfect. that's good.","start_word":3064,"end_word":3067,"sentiment":"positive","sentiment_score":0.4063365161418915},{"text":"But Yeah. it'd be I'm I'm I'm happy with with the way we're Yep. going and and the direction we're going at the moment anyway. So that's Yep. that's the main thing. Yeah.","start_word":3068,"end_word":3100,"sentiment":"neutral","sentiment_score":0.2059067189693451},{"text":"Perfect. Perfect. The good thing about the investment switch is you'll see your investment fees do drop.","start_word":3101,"end_word":3117,"sentiment":"positive","sentiment_score":0.4694792628288269},{"text":"So we started off with the $12.58.","start_word":3118,"end_word":3124,"sentiment":"neutral","sentiment_score":0.30570802092552185},{"text":"It's down to $5.29 with the new portfolio. So it essentially saves $729 in investment fees for the first year, which is great. Any kind of saving on fees means that that money stays in your super in your portfolio growing towards Yes. your retirement, which is a a great advantage to the changes.","start_word":3125,"end_word":3178,"sentiment":"positive","sentiment_score":0.4564664661884308},{"text":"Yep. The ongoing service fee, that does encounter a bit of growth there. That's why you see it goes up a little bit for this side of the projection table. We also Yep. factor in the first year's growth there to show you what the estimated would be and then net contributions there as well based on your income. And you'll see your insurance premiums going down there as well. So we've made that recommendation Yep. to reduce your life down to that 300,000, cancel Yeah. your TBD, Yep. which reduces your overall insurance premiums and keeps a bit of extra money sitting in that super fund for you compounding forward. Okay? Yep.","start_word":3179,"end_word":3291,"sentiment":"neutral","sentiment_score":0.18589876855896637},{"text":"Excellent. Yep. Fantastic.","start_word":3292,"end_word":3294,"sentiment":"positive","sentiment_score":0.6291667819023132},{"text":"We as we noted, we are looking to reduce that risk level a bit.","start_word":3295,"end_word":3308,"sentiment":"neutral","sentiment_score":0.2922845780849457},{"text":"So moving into the balanced growth environment there, and this portfolio over the past three years has actually seen a greater return, a greater level of growth than the current portfolio. So, you know, projecting that forward on the next page there, if this portfolio could retain that kinda growth over the next sort of three to five years, you can sort of see where that could end up, and it can put you Yep. in a much greater position moving forward there.","start_word":3309,"end_word":3391,"sentiment":"positive","sentiment_score":0.4569494128227234},{"text":"Okay. Yep. Yep.","start_word":3392,"end_word":3394,"sentiment":"neutral","sentiment_score":0.17556259036064148},{"text":"Got Perfect. Perfect.","start_word":3395,"end_word":3397,"sentiment":"positive","sentiment_score":0.4794366955757141},{"text":"That's the sense of the projection side of things there. If you go down to the next page, page number 24, we've got the retirement that. income calculated there. So by looking at the changes that we are making, we're sort of projecting forward to retirement. We are basically assuming that you guys are gonna be also eligible for Part h pension down the track there as well. So this sort of shows that with your Yes. super balance retiring at the age that you want to. And I when we get to that point, I'll look at what's happening with both of your supers, and we'll do a joint plan with yourself and Carrie and look at, you know, how much pension we can get, how we shelter, how we draw down, and how we make it work for you both. Yes. But, realistically, Yep. we're on track to be able to draw to that $49,005.21 on a yearly basis between super and age pension to get your longevity and keep everything sort of working till about the age of 90 there. And that's just factoring in your super and the expected pension side of things. We'll keep checking to see how things are going, keep updating the advice, and keep, you know, changing things as we Yep. need to to make sure everything continues to work hard for you. Okay.","start_word":3398,"end_word":3629,"sentiment":"neutral","sentiment_score":0.14928516745567322},{"text":"Sounds good.","start_word":3630,"end_word":3631,"sentiment":"positive","sentiment_score":0.37490853667259216},{"text":"Yeah.","start_word":3632,"end_word":3632,"sentiment":"neutral","sentiment_score":0.24902018904685977},{"text":"Beautiful. It's kinda nice to see where we're tracking for based on the current projections and the outcomes, and it gives you a little bit of light at the end of the tunnel that everything you've worked so hard for is coming to fruition.","start_word":3633,"end_word":3676,"sentiment":"positive","sentiment_score":0.7451081844893369},{"text":"Yeah. That's right. Exactly. You know, I mean, I guess, like I said, I when I first started working sort of thing, I I do had a lot of, how do you say, intermittent jobs, and I had two or three supers here and there with different ones and whatever. Yep. But then when I finally got a a permanent job, Yep. I started to actually put a bit of because the old man said to me, you know, you have you looked at super? And I said, well, no. You don't do Yeah. that when you're young. You know? Like, Yeah. and he said, well you know, because he he used to work for the the hospital, so he was in a government setup. Yeah. And they had a good system sort of thing, and he said, well, you should start looking at it. He said, you know, you don't have to, but you should start putting something away. So I did. Yeah. And I did that for about five years, and then I just stopped because a couple of things changed, and and my direction changed and everything else. And and, yeah, some for some reason, it was just sort of left behind. Eventually, when I got back into into this job, virtually, I started pulling everything together again, and it still wasn't, you know, for a little while, probably five or ten years, that I didn't actually Yeah. start putting anything myself or into super at all. But, anyway, I mean, eventually, like, we're getting to this point. It should I should have been a lot better off, obviously, which we all say that, but Yeah. it's Yeah. just one of those things that life is what it is. And, you know That's but I it. mean, I I'm Yeah. I'm not gonna be unhappy with what what we're working towards. So No. No. Definitely yeah. not. And, look, there's still plenty of time to to work towards it. And even when you go into this retirement years, your money remains invested. We look to draw down a pension and keep everything sort of still working harder for you. So Yes. it's just about, Yes.","start_word":3677,"end_word":4044,"sentiment":"neutral","sentiment_score":-0.010226199160451477},{"text":"you know, creating that longevity and continuously altering and changing.","start_word":4045,"end_word":4054,"sentiment":"positive","sentiment_score":0.3774702548980713},{"text":"And, I mean, with your income, you've been, you know, up and down a little bit with income wise over the last year with everything you've got going on. You're going back into that full time work. But if you get changes to your income, we can always come back and refresh pensions, refresh the TTR Yeah. strategy, Cool. That's add all. additional contributions. Everything in the advice world is liquid. We can be moving things back and forth and altering the advice as Yep. we need to.","start_word":4055,"end_word":4142,"sentiment":"neutral","sentiment_score":0.13672767579555511},{"text":"So, you know, we're just working towards a certain goal here to get as much into super as possible, to get your super to work as hard as possible with the goal of you enjoying the next, you know, twenty, thirty, forty years of retirement and taking a breather for yourself.","start_word":4143,"end_word":4193,"sentiment":"positive","sentiment_score":0.3959113359451294},{"text":"So, Yeah. yeah, Yeah. That's right. Yeah.","start_word":4194,"end_word":4200,"sentiment":"neutral","sentiment_score":0.15446799993515015},{"text":"doing well.","start_word":4201,"end_word":4202,"sentiment":"positive","sentiment_score":0.33419233560562134},{"text":"That's why I take All a take good. a bit of money. That's it. That's it. Yeah. If you scroll down to page 25 there, Colin, Yep. you'll see that we've got the insurance side of things. So we did give you all those different quotes that had a bit of a chat about the insurance side of things. So at the moment, you do have your life and TPD covered there. You are happy just to cancel the TPD. It is the largest portion of the cost of your cover. And, realistically, if anything did happen, you just sort of wanted to make sure the mortgage could be fully paid off. Your super balance does that, and then does also provide additional cover and carrier's still working as Yes. well.","start_word":4203,"end_word":4333,"sentiment":"neutral","sentiment_score":0.004549012519419193},{"text":"So, you know, if you weren't able to work through the TPD, we'd be able to get access to your super at this point, and saving on those premiums means that more money stays inside your super working harder and growing towards your goal.","start_word":4334,"end_word":4377,"sentiment":"positive","sentiment_score":0.3875872492790222},{"text":"And if you were ever permanently incapacitated, we'd look to get that released so you could pay out your mortgage and and draw some income out of there for you. You are comfortable with reducing your life cover down to the $300,000 Yep. mark. Yeah. Yeah. Yeah. Just Yeah. making sure No. that That's if anything fine. happens, yeah, that pays off the mortgage. That plus your super is then also paid out to give Carrie some additional benefit to let her sort of take some time off and grieve and and work out what she wants to do Yep. moving forward Yeah. Yeah. as No. well. That's right. Yeah. So yeah. Absolutely. Yeah. So that does actually reduce your insurance payments quite drastically. We go from a yearly premium of $14,007.02 $6.09 6 to $4,006.58, and the expected withdrawal from your super will be $3.09 $6.00.","start_word":4378,"end_word":4524,"sentiment":"neutral","sentiment_score":0.09389316290616988},{"text":"So it is a huge difference. It's saving of over $8,000 for the year for the premiums and does reduce it back very heavily.","start_word":4525,"end_word":4548,"sentiment":"positive","sentiment_score":0.4114805459976196},{"text":"So that's 8,558 that stays in your super working harder for you. Because the the insurance premiums probably have already gone through the renewal process so, essentially, what we do is we'll get you to sign the quote to say you're happy to cancel the TBD and reduce the life cover. The insurance company will then go and cancel the TBD, and they'll just refund back to your super the prorated amount for that. So you do get Yeah. a refund Gotcha. if it does go through renewal. Okay. Yeah. Yeah. Right. Yeah. Yep.","start_word":4549,"end_word":4642,"sentiment":"neutral","sentiment_score":0.060748714953660965},{"text":"Fantastic. Yep.","start_word":4643,"end_word":4644,"sentiment":"positive","sentiment_score":0.4583805203437805},{"text":"As you are kind of taking time later to sort of go through and read everything, as with all of these recommendations, I have what's called a best interest duty in here. And that essentially is just noting down how and why these recommendations are made in your best interest and making sure that, you know, we're linking it back to your goals and how this works for you. It's really important that any recommendations we make are in your best interest in working for your goals. Okay? Mhmm. Yep.","start_word":4645,"end_word":4734,"sentiment":"neutral","sentiment_score":0.27498987317085266},{"text":"Perfect.","start_word":4735,"end_word":4735,"sentiment":"positive","sentiment_score":0.5309795141220093},{"text":"You've also got in there the advantages, the disadvantages, the risks of each of the strategies, and the alternatives that I may have considered as well. So I'll let you sort of run your eyes over those a bit later. They are a bit arduous, so take some time to read them over. And feel free to let me know if you do happen to have any questions there. Okay? Yep. Yep.","start_word":4736,"end_word":4807,"sentiment":"neutral","sentiment_score":0.05355503037571907},{"text":"Not a problem. Excellent.","start_word":4808,"end_word":4811,"sentiment":"positive","sentiment_score":0.5299065113067627},{"text":"The next side of things is that transition to retirement side. If you go down to page number 30 for me, I'll take you through this one.","start_word":4812,"end_word":4838,"sentiment":"neutral","sentiment_score":0.19254867732524872},{"text":"Yep. Beautiful.","start_word":4839,"end_word":4840,"sentiment":"positive","sentiment_score":0.4499084651470184},{"text":"So with this one here, we're looking to set up the transition time strategy where we can increase your contributions into super and also draw a little bit of income out to replenish things for you. You essentially were looking to try and get the income back from your pre injury, So not sort of factoring in what you're currently making from super, but more looking at trying to get your income back to what it was prior to you being off work due to your injury there. So, Yep. essentially, looking at pre disability income.","start_word":4841,"end_word":4936,"sentiment":"neutral","sentiment_score":0.1459335833787918},{"text":"So with the payslip, we were able to go back and have a really good look.","start_word":4937,"end_word":4952,"sentiment":"positive","sentiment_score":0.376292884349823},{"text":"Essentially, what we're gonna be able to do, because your balance is a little bit higher, we're gonna roll a $186,007.59 into the hub 24 PCR pension account, the transition to retirement pension account, and that'll retain about a 123,500 in the accumulation side of things there. Mhmm. To have a really good look, when we had a look at your pace, because you are already salary sacrificing and you do have some post tax deductions as well, we've sort of had to minus those off. So we've looked at a as well. Yes, We've ma'am. sort of had to minus those off. So we've looked at, essentially, what your income was. So what we've used to get the figure in the proposed, the current, basically, what you've been getting over the last couple of months with the reduction in your wages there. So that's just Yep. the current Yep. position. We're sort of not really worried about that at the moment because we're working on the proposed side of things. Yeah. Yeah. Yeah. But, Yeah. essentially, to get your base salary, we went off your earnings minus the deductions and salary sacrifice. So we minus off the salary sacrifice you're already making and any pre and post tax deductions, and that gave us and that gave us essentially what your net income was. So we were able to look at your base salary is about $75,006.55 pre disability. Mhmm. You're already making salary sacrifice contributions of $55,200 for the year, so a $100 on a weekly basis. We're gonna increase those up to $15,007.03 9. So it works out from a $100 per week. We increase your salary sacrifice to $302.67 per week. And then you've got your salary packaging, and you've already got some your tax there, and you've already got some post tax deductibles that are coming out of your income. So we keep minusing those off, and that gives us your net employment income of about $32,008.07 3. To kinda get you back to your current take home pay or your take home pay pre disability, which is at the bottom there, we just need to withdraw on a yearly basis 7,470 from the pension account, which works Mhmm. out to be about a $143.65 per week. And that brings you back to the $40,003.43, which is the net take home pay based on all of the above. Does that make Right. sense? Yeah. Yeah. Yeah. Yep. It's a lot Yep. of math. I'm so sorry. No. No. That's the way it is. It's it it all looks good. Like, you know, Yep. I mean, if it's Yep. as I said, I don't know I don't understand the full workings and how the taxes work and everything else, but that's your guys' problem. You know? And Yeah. and Yeah. and that's what you're getting paid for sort of thing. So, you know, Yeah.","start_word":4953,"end_word":5439,"sentiment":"neutral","sentiment_score":0.08384319369583648},{"text":"but I trust you because, I mean, you know, I'm I'm I'm a hell of a lot further ahead than what I was before. So Yep. Oh, that's I'm I'm really good. I'm Yeah.","start_word":5440,"end_word":5473,"sentiment":"positive","sentiment_score":0.46274998784065247},{"text":"laughing. You know? So Yeah. No. That's okay. So this is because your your current payslips are all kind of got that 95% because you're still not a 100% back to work. We've had to kind of do the math and work out what your pre disability income was based on the payslips provided. So Yeah. Yep. when Yep. you do happen to go back to work, if you find there is any kind of discrepancy in your take home pay when you're back on that full time income, if things change a little bit and this hasn't quite met that requirement, let me know. I can always come back, reevaluate the math a little bit, and we can always refresh it and move it Yeah. back in and out. So Yeah. there's Well, I no thought need once to worry I once there. I get settled Yeah. down again, yeah, I'll I'll send you the the latest payslips or whatever. And then come hopefully, come next year, July, I'm hoping that I'll I'll get another raise anyway.","start_word":5474,"end_word":5651,"sentiment":"neutral","sentiment_score":0.03699343651533127},{"text":"So Nice. Nice.","start_word":5652,"end_word":5654,"sentiment":"positive","sentiment_score":0.4469420909881592},{"text":"I'll put in for a wage review and and whatever. It's taken two bloody years. But anyway, yeah, we've had a lot of stuff going on with council. But anyway yeah. So hopefully, like, I'm in the I'm in the wings for another pay rise anyway. So that'll Yeah. go up again. Fingers Yeah. crossed. So Yeah. Yeah.","start_word":5655,"end_word":5712,"sentiment":"neutral","sentiment_score":0.10079755634069444},{"text":"Perfect.","start_word":5713,"end_word":5713,"sentiment":"positive","sentiment_score":0.5103011131286621},{"text":"Well, if it does, let me know. Because as I said, we Yep. can refresh these. We can always roll you with the TTR pensions, we can roll back and forth in and out of accumulation as much as we need to, and it's a very, very easy process to do. So Yep. Okay. if at any point you feel like it's not quite meeting it or the income might be off a little bit because you all the all the payslips have got a little bit of difference in the income with Thank the deductions you. going in there. And because you've been gradually getting back up to that 100%, you can sort of see the difference, the reductions of your wage there. So we've added Yes. those back in, but then also kept the post tax deductibles and the pretax deductibles coming Yes. out Yep. and also not factored in that salary sacrifice you're currently doing because you're already missing that kind of money from your pay there. So Yes. Yes. it Gotcha. was just a bit of working it a lot, doing the math, and breaking it back down to the basics to work out where you are. But we can always, if we need to, roll you back into accumulation, rerun the numbers again, and then roll you back over to pension and start again if we have to. Yes. Yeah. Yeah. We can roll back in and out of TTR pension phase and accumulation as often Oh, as okay. we need to. The I only thought main that I thought it might be a like a one off. Once you do it, that shit, you can't no. go back. Yeah. No. We can refresh this as often as we like. We try to do it once a year. Yep. So, realistically, if we sort of start doing this in the next couple of weeks, it'd be good to probably just see like, if you're going back to wake to work Yes. next week, if you can just maybe shoot me through an updated when you get your first pay slip and it shows your total income back on a 100%, I can always just double check those numbers before we roll into pension phase Yep. because to start with, we're gonna do the investment switch anyway. Yep. So if you wanna send that to me once you've got your first pay slip there, I can always just double check the numbers before we run before we roll into pension phase for you. That way, if there are any changes that needs to be made to those numbers, we do them now before we roll in. Because then when Yes. we roll in, we try to give it a good year to make sure it's all kind of working to see Working the benefits.","start_word":5714,"end_word":6191,"sentiment":"neutral","sentiment_score":0.10566839476010788},{"text":"very well.","start_word":6192,"end_word":6193,"sentiment":"positive","sentiment_score":0.4760700464248657},{"text":"Yeah. Yep. Yeah. And I thought then that's kinda it. roll you back. The Yes. we can roll you back and forth as much as you want. There's no issues there. It's more just if you haven't taken the minimum pension requirement for the year, they actually give you extra drawdown. So Oh, okay. works for you Right here. Yeah. whenever No. we Excellent. roll you back out of that pension phase.","start_word":6194,"end_word":6265,"sentiment":"neutral","sentiment_score":0.12175039947032928},{"text":"So Good.","start_word":6266,"end_word":6267,"sentiment":"positive","sentiment_score":0.40966683626174927},{"text":"I try to sort of make sure the numbers are on point before we kind of go forward into it. We can make some alterations once we're there, but it just makes it easier on you if we do that beforehand. So what I'd probably just suggest is if you can get when you get your first payslip if you're back to work next week on a 100% of your income again, you grab your first payslip, shoot it through to me as soon as it comes. Yep. I'll just run the numbers over again to double check that. And if I feel there needs to be a bit of an alteration to it, I can update the advice really quickly and resend it to you, reissue the numbers through Yep. to you. Yep. Does that Okay. sound okay? Yep. Yeah. Sounds good. Yeah. Yep.","start_word":6268,"end_word":6412,"sentiment":"neutral","sentiment_score":0.1002597063779831},{"text":"Beautiful. Beautiful. But I've really enjoyed putting this together. It's been a lot of fun. Your payslip has been one of the most interesting. I've really enjoyed looking at it and just because it's been going out gradually over the past few months. But it's kinda cool to see you getting back on top and getting back to work over that time too. It's really fun.","start_word":6413,"end_word":6478,"sentiment":"positive","sentiment_score":0.5814063549041748},{"text":"Oh, I don't know about the fun bit, but it's been it's been a bit of a yeah. It's been a haul, but, It you has. know, like, I'm Yeah. just I'm just I just don't want it to I just didn't want it No. to sort of go on too much longer sort of thing. And and, I mean, Yeah. everyone everyone was okay with with it at work and everything else. And and, you know, I said the doctor's on my side anyway. So Yeah. that's a that's a good thing, but I didn't have any I haven't heard anything from the caseworkers or any but it it really, it's it's past that point. So and I think in the long run, virtually, it's it's me. Like, I'm the one that says, well, I wanna do this or no. I wanna extend it or whatever. That's I think Yeah. that's Yeah. the whole point. It it should be up to me.","start_word":6479,"end_word":6641,"sentiment":"neutral","sentiment_score":-0.025670719681524793},{"text":"So and I'm happy.","start_word":6642,"end_word":6645,"sentiment":"positive","sentiment_score":0.5543107390403748},{"text":"So I don't know, you know, I don't care what the other father was saying.","start_word":6646,"end_word":6660,"sentiment":"neutral","sentiment_score":0.1263856291770935},{"text":"So I'm I'm I'm happy with what I'm doing.","start_word":6661,"end_word":6669,"sentiment":"positive","sentiment_score":0.34352123737335205},{"text":"So that's Yeah. that's the money. And and, you know, No. It's good. they can they can go jump. Absolutely. Absolutely.","start_word":6670,"end_word":6690,"sentiment":"neutral","sentiment_score":0.15487535297870636},{"text":"But now it's good that you've at least had that downtime to let your body recuperate back to where it is now.","start_word":6691,"end_word":6712,"sentiment":"positive","sentiment_score":0.4743921756744385},{"text":"So, hopefully, Oh, yeah. going My back word. to work is My the word. right thing. It's it's made Yeah. all the difference. Don't get me wrong. But, Yeah. yeah, I'm I'm re I'm ready to get back into it. So You're ready? yeah. No.","start_word":6713,"end_word":6757,"sentiment":"neutral","sentiment_score":0.13112686574459076},{"text":"That's really good. Really happy for you that things are going back the way they are, and I know it definitely helps financially to get back full time as well.","start_word":6758,"end_word":6787,"sentiment":"positive","sentiment_score":0.5511499643325806},{"text":"Makes a a bit of a difference to the budget, especially with the cost of living at the moment.","start_word":6788,"end_word":6806,"sentiment":"neutral","sentiment_score":-0.0649774819612503},{"text":"It's pretty horrendous out there.","start_word":6807,"end_word":6811,"sentiment":"negative","sentiment_score":-0.5896504521369934},{"text":"So There it is. No. That's it. Exactly right. Everything nothing's coming Yeah. down, mate, too too well. But, No. yeah, it's, you know, you you see the other side of it too. You're you're a mom, and Yep. you're looking after the, you know, the Absolutely. household side, I guess, or whatever. But that's it. And, you know, they're not making it easy for us, so we gotta try and grab what we can when Yeah.","start_word":6812,"end_word":6888,"sentiment":"neutral","sentiment_score":-0.039916088780412425},{"text":"Absolutely. Most definitely.","start_word":6889,"end_word":6891,"sentiment":"positive","sentiment_score":0.3656364679336548},{"text":"Yep. No.","start_word":6892,"end_word":6893,"sentiment":"neutral","sentiment_score":0.20338387787342072},{"text":"Absolutely. All good. we can.","start_word":6894,"end_word":6898,"sentiment":"positive","sentiment_score":0.504492998123169},{"text":"If you just go down to the next page there, the next sort of two tables, the top table just outlines essentially, the difference in the sales stack and the draw downs and how we kinda keep your take home pay at the level it was pre this pre injury. But this sort of shows you, so with your original income, your normal employer SG contributions would be up to about 9,079 there. We're increasing your salary sacrifice from the 5,200 to $15.07 $3.09 over the course of the year, and that increases your contributions from what would be $13,007.03 6 up to 24,817.","start_word":6899,"end_word":7002,"sentiment":"neutral","sentiment_score":0.09624186903238297},{"text":"So it's a good increase on your contributions there.","start_word":7003,"end_word":7011,"sentiment":"positive","sentiment_score":0.6585572361946106},{"text":"There's more money going into super. It does increase the income the tax side of things on the contributions. So what you would currently be paying at 2,060 based on your, you know, current employer contributions and current salary sacrifice, it does go Yep. up to 3,072, but you can sort of see the difference there. The the tax at 15% on the super contributions is only very minimal compared to what you would be paying in your own name. So, Yeah. Yeah. Exactly. yeah, so, like, with the pre disability income on the proposed base salary of $75,006.55 there, the tax on the income or the current scenario, even though it's a little bit lower, current tax is 10,140. It reduces down after we increase salary sacrifice to 8,124. So Yep. you're saving easy Yes. just under, you know, $3 in tax there, Yeah. and you're I believe. only increasing Yeah. it, yeah, increasing it by less than a thousand dollars when it is taxed inside Super. So it does make Yeah.","start_word":7012,"end_word":7184,"sentiment":"neutral","sentiment_score":0.1018153503537178},{"text":"quite a bit of a difference on the tax side of things, which is good.","start_word":7185,"end_word":7199,"sentiment":"positive","sentiment_score":0.34657129645347595},{"text":"And having more money inside Super, where it is concessionally tax, means that there's more money invested. So when you think about the increasing of the contributions, as much as you're taking a little bit out to replenish your income, you're not taking out as much as you're putting in. So because it's tax free when it comes out, we can Yes.","start_word":7200,"end_word":7261,"sentiment":"neutral","sentiment_score":0.18196116844492577},{"text":"take less out than we need to put in. So you're putting more money in. It's taxed more concessionally, Yes. but then you're also saving on your insurance premiums and the fees for the investments, which as well. So all in all, you end up with more money retained inside, so if they're compounding working harder for you, which puts you in that better position in a couple of years' time.","start_word":7262,"end_word":7332,"sentiment":"positive","sentiment_score":0.6019242405891418},{"text":"Does that make Yes. sense? Oh, my Yeah. word. Yes. Yep. Yep.","start_word":7333,"end_word":7344,"sentiment":"neutral","sentiment_score":0.10690754652023315},{"text":"Beautiful.","start_word":7345,"end_word":7345,"sentiment":"positive","sentiment_score":0.5882493257522583},{"text":"We have outlined that the, again, the advantages, the disadvantages, the risks involved. Obviously, some of the biggest risks are that if your income changes in the shortest term, it can have an effect on the strategy. So it does mean we do need to review the strategy when your income Yes. does happen to change to make sure it is working and in line. If there is a discrepancy on your income and you find it doesn't really hurt that much, then it doesn't matter. But I think for you guys, if your income does remain at the lowest side of things, as you and Carrie have mentioned in the past, it does have a little bit of a hit on your budget at the moment. So it is wise to kinda review that prior to going into the pension just to make sure that your income is staying where we expect it to be, and then we can always make smaller alterations as we need to to the strategy. Yes.","start_word":7346,"end_word":7517,"sentiment":"neutral","sentiment_score":-0.1310933232307434},{"text":"The benefits are, again, that you save a bit of tax. The tax inside of Super is 15% compared to your marginal tax rate. That's basically half your marginal tax rate, which is insane. So you do end up with more Yes. money invested and compounding forward towards your future goals. And these strategies can be altered and changed as we need to as well.","start_word":7518,"end_word":7582,"sentiment":"positive","sentiment_score":0.4588116109371186},{"text":"So we will review it after twelve months, and then if we need to, we can always go back, refresh it, change the contributions, change what's coming out, and make sure that we're always altering it in line with what's happening with you. Okay? Yep. No.","start_word":7583,"end_word":7628,"sentiment":"neutral","sentiment_score":0.0644206702709198},{"text":"It sounds good, Mike. Sounds good. Beautiful. Beautiful.","start_word":7629,"end_word":7636,"sentiment":"positive","sentiment_score":0.5253261923789978},{"text":"Essentially, the only other thing to sort of show you is if you go down to page number 38, it does have a breakdown of the investments and how they'll look between the two different accounts there. The first one is the TTR pension account. The investments are as per the switch noted above, but just showing that you'll see, you know, the investments between the two different accounts there. You do pay the ongoing service fee of 1.6 oh, sorry. 1.1%. That will remain. It's that's the joint because you and Carrie are both clients. So 1.1% per annum, and that is deducted in smaller monthly increments there. So that is essentially prorated across the both accounts, the super and the TCR pension account. Okay. And that's sort of showing on page number 40. We've got another sort of fee comparison table there, and Yep. that shows the adviser fee spread across the two accounts there for you. We're opening up a secondary account. So it does mean once we open the two accounts, you have one TTR pension account, one super accumulation account. So you will pay a Yep. bit more in admin fees across the two investment fees Yep. across the two. But overall, the admin fees oh, sorry. The investment fees are still gonna be saved because Yes. the portfolio that we're investing in is overall cheaper. Okay? Yep. No worries. Beautiful. And then, yeah, the portfolio, we do sort of hope works a little bit harder for you. We can do catch ups as we're going through to see how things are working. Mhmm. Did you want me to maybe look at doing catch ups with you maybe once every six months to sort of see how things are traveling and then a That'd full annual be fine. review in Yeah. twelve months? Would Yeah. that be No. okay? That'd be Yep. fine. Yeah. Yep.","start_word":7637,"end_word":7956,"sentiment":"neutral","sentiment_score":0.050704579800367355},{"text":"Beautiful.","start_word":7957,"end_word":7957,"sentiment":"positive","sentiment_score":0.6657922863960266},{"text":"And I'll make a note here that the first thing we'll look at doing take some time to read it through. Let me know if you do happen to have any questions there. We'll start by just doing the investment switch on the account to, you know, remove the underperforming investments and complete the switch there, and Mhmm. Yep. then we go into the pension account. So once you get your first payslip after going back, if you can just shoot that through to me, I can just Yep. run the numbers again. And if there's something I need to alter or change, Yep. I can just update that advice prior to us moving into the pension phase for you. Is that okay? Not not a Yeah. problem, mate.","start_word":7958,"end_word":8086,"sentiment":"neutral","sentiment_score":0.07994722574949265},{"text":"That'd be great. Thank you. Beautiful. That's okay.","start_word":8087,"end_word":8094,"sentiment":"positive","sentiment_score":0.5673792958259583},{"text":"I know it is a lot. Do you have any questions for me at the moment? Or No, mate. No. It's just a matter of it. It's, you know, it's something that I've that I've been wanting to get done or whatever, and and I'm I'm glad that you sort of talked me into keeping a little bit of that life insurance and whatever there. But, Yeah. you know, but I thought, well, the total permanent disability, I don't I just really didn't see how that was gonna help me, you Yeah. know, like, in the long run sort of thing. But, I mean, yeah, I'm I'm I'm happy with what we've ended up with. That's, you know, that's Yeah. I'm I'm glad Perfect. you sort of think about that. So, Yep. you know, and I talked to Carrie or whatever, and and I said, Yeah. well, we're we're still getting a benefit or you still get a benefit. But Yeah. Yeah. but, you know, that's that's what I'm worried about is just to make sure that she's she's gonna be, you know, covered if if I go. So, Yeah. you know Yeah. yeah. No. Just That's just perfect. just keeping her covered. Yeah. No.","start_word":8095,"end_word":8299,"sentiment":"neutral","sentiment_score":0.04373505711555481},{"text":"That's absolutely perfect. That's fantastic. Well, I'm glad that I was able to put this together for you.","start_word":8300,"end_word":8317,"sentiment":"positive","sentiment_score":0.7790694236755371},{"text":"Again, I just wanna double check the numbers on the TCR thing when when you are back on that full time roster with your first payslip just to make sure that we're going in with the right numbers. And if there's any alterations we need to make, I'll do that process rolling in the pension phase.","start_word":8318,"end_word":8373,"sentiment":"neutral","sentiment_score":0.2142016887664795},{"text":"It's very easy to update the advice document.","start_word":8374,"end_word":8381,"sentiment":"positive","sentiment_score":0.4135102927684784},{"text":"Yep. And when we do roll you into pension phase, we'll still just wanna make sure that we have your beneficiary nominations on there. So Yes. you're comfortable still with your legal personal representative. I know everything goes through your will for the both of you. So we'll make sure on that TCI pension account that it does also have your legal personal representative noted as well. Okay? Yes. Yep. No worries at Yeah. all.","start_word":8382,"end_word":8456,"sentiment":"neutral","sentiment_score":0.08498918265104294},{"text":"That'd Beautiful. be great. Beautiful. Lovely. Easy.","start_word":8457,"end_word":8463,"sentiment":"positive","sentiment_score":0.5383617281913757},{"text":"That's basically everything I did have to run through, so feel free to have a read through the document. Let me know if you do happen to have any questions there. And, yeah, once I get your next pay slip through, I'll run through the numbers again, just double check everything for Yeah. you before Oh, yeah. you roll in the pension Mhmm. phase. Okay? It it'll probably Yeah. probably be about two weeks, I think, by the time that Yep. one comes through. So Yeah. That's absolutely fine. Take Yeah. some time to read through this and double check all the, you know, the advantages, disadvantages, the risks, and make sure you're happy and comfortable with taking everything on board. And then if you are, I would just get you to sign and return that all Yes. back for me. Okay? Okay. But there's nothing I've got to sign on this stuff at the moment? If you're comfortable and you just wanna proceed, you can sign and return it back to me. But I do like to just give you a chance to read through it just to make sure that you've you're happy, you understand what we're doing, Yeah. and Yeah. Now give you what a chance I mean to what I mean was yeah. with any changes that might come through, but from that new payslip, is that gonna does that mean I'll have to re sign another setup Yep. sort of thing? Or Yeah. If I do need to update the advice or the numbers at all, I'll just do a new advice document, and you'll just get to sign that one. But I'll Yeah. get you So to sign so this one virtually first if you're comfortable virtually taking when it I'm on happy board. with this, sign this one and get it out Yep. of the way, and then we'll Yep. worry about the other one later. Yeah. Absolutely. That's Yeah. if we need to do another one. If if everything still stacks up with your Yep. new payslip, Yep. then we won't need to make any changes. Yeah. We'll So that's just right. proceed So yeah. the way We it just is. worry about it if we have to sort of thing. Yeah. Yeah. Yeah. Okay. Absolutely. Yeah. All good. So when are you you're back full time as of next week. Is that right? No. As of today. Oh, as of today? Fantastic. Yeah. Yeah. No. Fantastic. I'm full full, back full time, full hours, and, virtually, like, a five week trial for the pre injury duty sort of thing, but I still have control with what I'm doing as in if I'm, you know, if I think I'm pushing a little bit, I just ease off sort of thing. So Yep. I'm in I'm in control virtually. So Okay. but Perfect. I I don't think I don't think I'm gonna have any issues because I've been going going okay for the last or what I started back early May, but it's Yep. been so it's virtually nearly two months. So and and, yeah, I haven't had any specific real Okay. problems, so I don't see there's gonna be too much of an issue going forward. So Yeah.","start_word":8464,"end_word":9009,"sentiment":"neutral","sentiment_score":0.070313441591003},{"text":"Fantastic. Fantastic. Good to see. Well, back full time, back Monday to Friday again. That'll be really good.","start_word":9010,"end_word":9027,"sentiment":"positive","sentiment_score":0.5390810204876794},{"text":"The Yeah. only thing I'm missing I'll like, at the moment, I get every Wednesday off because I'm not on on the full hours or whatever, and they they work it out a bit differently. But when I go back, I Yep. I just get every second Friday instead of every Wednesday. It's a bit of a bit of a drop that way. But, I Yeah. mean, they're they're just going back to the normal setup anyway, so it's what I'm used to. Yeah. But it was Yeah. just handy having an extra Wednesday. And in the middle of the week too. Yeah. No.","start_word":9028,"end_word":9131,"sentiment":"neutral","sentiment_score":-0.014271905645728111},{"text":"Perfect. All good. Well, I'm really happy that it's all worked out well for you. Back all to it, and, yeah, we'll we'll start by doing the investment switching, getting things cracking for you.","start_word":9132,"end_word":9165,"sentiment":"positive","sentiment_score":0.5177375674247742},{"text":"Reducing Yep. your risk is one of the most important things I wanna get started. And Yeah. whenever I set up a pension, we start by just rolling over into the TTR pension account. That Yep. does take a little bit of time, and then we work out your first pension payment, let you know when that comes in, and then organize your salary sacrifice to start after that payment. That way you're Yes. not increasing contributions prior to the first drawdown coming if it doesn't leave you late. So Yes. that's the way I tend to do those sorts of things. But, yeah, that'd be good. And, like, once you get your paces through, I'll run the numbers. And if there are changes, I'll let you know we need to change the advice prior to rolling into pension. If there's no changes, I'll let you know we're good to proceed, and Yep. we'll just keep going for you. Okay? Yeah. No worries, mate.","start_word":9166,"end_word":9329,"sentiment":"neutral","sentiment_score":0.16180621087551117},{"text":"Thank you very much, Dana.","start_word":9330,"end_word":9334,"sentiment":"positive","sentiment_score":0.5164118409156799},{"text":"I appreciate That's that. okay. Not a problem. I'm so sorry. I had to cancel last night and push the appointment. My last call I don't know took what a bit happened. longer than I was expecting. That's what I said to Michelle when she jumped on and said, ah. Because I I thought it was you. So I said, hey. You're going down? Yep. I told her. She's on. I said, oh, okay. I said, I've I've got guess what's gonna happen. Because as soon Yeah. as it started to go over time, I did. I thought, oh, no.","start_word":9335,"end_word":9434,"sentiment":"neutral","sentiment_score":-0.08217215046286583},{"text":"She's got caught.","start_word":9435,"end_word":9437,"sentiment":"negative","sentiment_score":-0.3772861957550049},{"text":"Yeah. And Sorry I was gonna about say, if that. you if you did ring up, I was just gonna say, look. Go home, and we'll talk about it later because you've Oh, got a long you're way to go. a gem. So it's Yeah. You're a gem, but no.","start_word":9438,"end_word":9487,"sentiment":"neutral","sentiment_score":0.0019635087810456753},{"text":"Thank you so much for taking my call today. I hope you have a lovely afternoon, and, yeah, take some time to have a read and let me know if there's any questions that yep.","start_word":9488,"end_word":9522,"sentiment":"positive","sentiment_score":0.6233529448509216},{"text":"you do have.","start_word":9523,"end_word":9525,"sentiment":"neutral","sentiment_score":0.32081642746925354},{"text":"Happy to Yep. take You're a good, call mate.","start_word":9526,"end_word":9534,"sentiment":"positive","sentiment_score":0.5380909442901611},{"text":"anytime you need. Okay? Yeah. Alright.","start_word":9535,"end_word":9540,"sentiment":"neutral","sentiment_score":0.28119802474975586},{"text":"No worries, Dana. Thank you, and you take care. My pleasure. Thanks so much, Cole. Have a good afternoon.","start_word":9541,"end_word":9559,"sentiment":"positive","sentiment_score":0.7139121890068054},{"text":"Okay. Okay. You See too. you later. See you. Bye. Yep.","start_word":9560,"end_word":9570,"sentiment":"neutral","sentiment_score":0.23656979203224185}],"average":{"sentiment":"neutral","sentiment_score":0.12113006764212572}}}}