{"metadata":{"transaction_key":"deprecated","request_id":"019f3b3e-0751-7b81-b34f-008b9ba69d5c","sha256":"aaad8aba7e34396af97dcc94477e9f4b2ac2830e7286a21a25fec52e23ed5953","created":"2026-07-07T06:22:30.596Z","duration":1171.584,"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":3522,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3799,"output_tokens":3807},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3799,"output_tokens":279}},"results":{"channels":[{"alternatives":[{"transcript":"Hello, Jose again? Yeah. Veronica. I I had you booked in. It shouldn't take too long today because I know you are very, very busy as well. But just to go through the reset I did on your super investment, do you have a a bit of time for me? Yes. Okay. Oh, perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me? Yep. Yep. Beautiful. Now do you have access to your emails at the moment, or are you kind of driving or a bit busy? Because yeah. So I am I have put together a recommendation for you to make a couple of minor changes to your investment. So what what correct. So in order correct. So it is changing that one. So in order to try not make a recommendation for you, I have to put everything in a statement of advice. Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything. So I will email that to you. So if you have a moment to access it while we're on the phone, that would be good. But if you don't, because it is pretty straightforward, I can kind of just talk through the changes. And then later, if you have a bit more time, you can then have a read over it and let me know what you think. It is up to you. Okay. Pass perfect. So I have just emailed that to you when you have a moment later. Now might end up in spam folder, so just have a bit of a look through it later. But, essentially, I have put together a recommendation. Like I said, it is very straightforward because we've kind of already touched on it. It was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you. So what I have done is I also considered your current superannuation with hub twenty four as part of the research. So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market. So it is good to do research just to make sure it's still their most competitive option for you. Does that make sense? Yes. So after doing research, I have recommended that you stay in hub twenty four. It is still very competitive. No. Completely independent. Just for. Yes. No. No tie at all. And that's why we do that's why we do the research because if I found another option for you that was going to be better, then I would have recommended that. There's nothing tying up to have twenty four. You will actually see in the document on the alternative. So I have put one of the alternatives there, but there's a lot of different different funds to look at. One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth. But, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options. So yeah. So I have recommended that for now anyway. You stay in hub twenty four and literally just change a couple of investments. So I have kind of formalized everything for you. Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in detail. But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good. So, basically, per year, it will save you around $375, which does make a difference when you add up everything and each year as well. So it's making it a bit cheaper for you, which is great. Now the the biggest thing is also when it comes to the investment return. So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%. Now the recommended now this is all in writing for you in the document later so you can have a have a look through it. But the recommended, it has performed at eleven point zero six. So quite a bit better than your current portfolio, which is great. Now now what I have also included for you is just to kind of forecast everything forward for five and ten years. Now we're not making any changes to your risk tolerance. We are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances. It all stays the same. So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance your portfolio. And what that basically does is it saves you a bit of fees and improves the return. And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good. Yeah. Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios. So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them. So not just looking at five years. And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good. Does that make sense so far? Yes. Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200. So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification. We don't want everything in The US or everything in Asia or everything in Europe. We wanna make sure we keep things diversified. So we were then okay. Well, if we take away Australia, what can we look at replacing it? Now the BetaShares Australia two hundred, it is a little bit more simplified investment. And what it is, it basically invests in the 200 largest company listed in Australia. So within one single investment, you will be invested in 200 companies. So, basically, what that means is that as a company might grow and get big, it gets added to the 200. As a smaller company then kinda falls off, it comes out. So it will be a little bit smoother because of it. And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established. It will be a bit cheaper, and that's why the fee saving for you than Benelung. Because I don't know if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market. And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive. But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result. Does that make sense? Yes. So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better. It still maintains the diversification for you. And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment. Now that can change on a daily, obviously, with market movement. But when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good. So no additional tax to come out, which is it, which is very good. Yeah. Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done. So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio. Basically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy. So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a larger portion of your portfolio, whereas then others become smaller. So rebalancing basically means that we are readjusting everything back into their attended levels. So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything. Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it. So I have recommended that as well. They're not changing everything. It is just basically rebalancing. That makes sense, Jose? Correct. Just just changing how much. So still keeping it. But let's say, for example, you have at the moment, the S and P 500 in the portfolio. So that invest in the 200 sorry, the 500 largest companies listed in in America. Now at the moment, because that one has grown, which is great, you have about 25.41% of your super invested in that one option. We just wanna bring it back down to 20%. So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations. So that is basically what rebalancing means, just bringing it all back into alignment. We're still keeping those. Any questions? No. No. No. Good. Now when you have a look for the document, like I said, this is 32 pages. A lot of that is just through making sure that you fully understand the recommendation. It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it. But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you. Now if you would like to go and research and have a look at that investment in a more detail for you. In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well. So all the transparency and everything is there for you. No. That's okay. Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile. I have also included some information in regards to setting up a will and a power of attorney. It's just there for you. It is something I always recommend everyone to consider. So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well. Now the last thing I do wanna mention is the remuneration. No changes, like I said, in the under review at all. It stays exactly the same. There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation. So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead. That is all part of that ongoing service. So no additional fees or charges at all. Yeah. Now at this point, do you have any questions for me? No. Okay. Yes. Yes. Please do. So correct. Either way. So I have sent you that document. Have a have a read over it when you have a moment. Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you. You can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that. You can also see my personal license number, my authorized representative number listed on the cover page. And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else. And that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. If I lose my license, my I will lose my job, and my husband at home won't be too happy with me. So there's there's a lot in place to protect you at the end of the day. Okay? That's okay. Now it is also valid for a little bit. So it is valid for sixty days. So you have a bit of time to obviously have a read over it. Now, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time. But when you have a moment, have a read through the document. If you have any questions at all, just call the call the office and ask me or send me an email. That is perfectly fine. Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation. Does that all make sense? Yes. Correct. So if you are happy with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy of the signed one. But if you have any questions, you just let me know. Yeah. Yeah. No worries. Well, thank you so much for your time this afternoon, Jose. I will let you get back to it. But like I said, any questions, just give me a call or an email. Otherwise, I'll keep a look at to see if that documents come through as well for you. No problem at all. We'll speak soon, and you have a lovely rest of your afternoon. Thank you. Bye for now. Bye.","confidence":0.99902344,"words":[{"word":"hello","start":3.04,"end":3.54,"confidence":0.7338867,"punctuated_word":"Hello,","sentiment":"neutral","sentiment_score":0.10933542251586914},{"word":"jose","start":3.6799998,"end":4.0,"confidence":0.9970703,"punctuated_word":"Jose","sentiment":"neutral","sentiment_score":0.11278698593378068},{"word":"again","start":4.0,"end":4.5,"confidence":0.8557129,"punctuated_word":"again?","sentiment":"neutral","sentiment_score":0.13815438747406006},{"word":"yeah","start":7.3599997,"end":7.8599997,"confidence":0.9301758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14770394563674927},{"word":"veronica","start":8.16,"end":8.66,"confidence":0.5500488,"punctuated_word":"Veronica.","sentiment":"neutral","sentiment_score":0.09480778872966766},{"word":"i","start":10.8,"end":11.3,"confidence":0.8310547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16791954636573792},{"word":"i","start":12.695,"end":12.934999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1791660487651825},{"word":"had","start":12.934999,"end":13.094999,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2334432750940323},{"word":"you","start":13.094999,"end":13.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2043343484401703},{"word":"booked","start":13.335,"end":13.575,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.2249077260494232},{"word":"in","start":13.575,"end":14.054999,"confidence":0.9970703,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.21064554154872897},{"word":"it","start":14.054999,"end":14.295,"confidence":0.9980469,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.35273051261901855},{"word":"shouldn't","start":14.295,"end":14.615,"confidence":1.0,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":0.26769232749938965},{"word":"take","start":14.615,"end":14.855,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.17974552512168884},{"word":"too","start":14.855,"end":15.014999,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.1509563773870468},{"word":"long","start":15.014999,"end":15.335,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.09037137031555176},{"word":"today","start":15.335,"end":15.575,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.2205946147441864},{"word":"because","start":15.575,"end":15.815,"confidence":0.88671875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.061247408390045166},{"word":"i","start":15.815,"end":15.8949995,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02958354353904724},{"word":"know","start":15.8949995,"end":16.055,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.010648384690284727},{"word":"you","start":16.055,"end":16.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011825799942016602},{"word":"are","start":16.295,"end":16.615,"confidence":0.98828125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03469906747341156},{"word":"very","start":16.615,"end":16.935,"confidence":0.7318115,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":-0.015116214752197266},{"word":"very","start":16.935,"end":17.175,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.04102365672588349},{"word":"busy","start":17.175,"end":17.675,"confidence":0.99902344,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":0.030226409435272217},{"word":"as","start":17.735,"end":17.974998,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13504764437675476},{"word":"well","start":17.974998,"end":18.474998,"confidence":0.9555664,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10038549453020096},{"word":"but","start":19.095,"end":19.414999,"confidence":0.70458984,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.051180142909288406},{"word":"just","start":19.414999,"end":19.654999,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.017093174159526825},{"word":"to","start":19.654999,"end":19.814999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00793498009443283},{"word":"go","start":19.814999,"end":20.055,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.007270857691764832},{"word":"through","start":20.055,"end":20.295,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04886901378631592},{"word":"the","start":20.295,"end":20.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02483219653367996},{"word":"reset","start":20.935,"end":21.335,"confidence":0.38916016,"punctuated_word":"reset","sentiment":"neutral","sentiment_score":0.05399303883314133},{"word":"i","start":21.335,"end":21.415,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018083639442920685},{"word":"did","start":21.415,"end":21.575,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.047331273555755615},{"word":"on","start":21.575,"end":21.735,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03561757132411003},{"word":"your","start":21.735,"end":21.974998,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0452580600976944},{"word":"super","start":21.974998,"end":22.294998,"confidence":0.9838867,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.036677442491054535},{"word":"investment","start":22.294998,"end":22.794998,"confidence":0.79541016,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.022015471011400223},{"word":"do","start":22.855,"end":23.095,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00597778707742691},{"word":"you","start":23.095,"end":23.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003949843347072601},{"word":"have","start":23.175,"end":23.415,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005971267819404602},{"word":"a","start":23.415,"end":23.654999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006179016083478928},{"word":"a","start":23.654999,"end":23.814999,"confidence":0.90283203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009085893630981444},{"word":"bit","start":23.814999,"end":24.055,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.010026544332504272},{"word":"of","start":24.055,"end":24.134998,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001332499086856842},{"word":"time","start":24.134998,"end":24.455,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.019975941628217697},{"word":"for","start":24.455,"end":24.615,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03555833175778389},{"word":"me","start":24.615,"end":25.05,"confidence":1.0,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.0315624475479126},{"word":"yes","start":27.21,"end":27.609999,"confidence":0.90527344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1016560196876526},{"word":"okay","start":27.609999,"end":28.109999,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08508677780628204},{"word":"oh","start":29.289999,"end":29.789999,"confidence":0.9592285,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.41083455085754395},{"word":"perfect","start":29.93,"end":30.43,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.46381232142448425},{"word":"now","start":31.449999,"end":31.849998,"confidence":0.6298828,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18676023185253143},{"word":"just","start":31.849998,"end":32.09,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09448795020580292},{"word":"before","start":32.09,"end":32.41,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.055490050464868546},{"word":"i","start":32.41,"end":32.489998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08780108392238617},{"word":"do","start":32.489998,"end":32.73,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07079478353261948},{"word":"go","start":32.73,"end":32.89,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0786258801817894},{"word":"any","start":32.89,"end":33.05,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03033526986837387},{"word":"further","start":33.05,"end":33.449997,"confidence":0.99902344,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":0.016516782343387604},{"word":"i","start":33.449997,"end":33.61,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05409688502550125},{"word":"just","start":33.61,"end":33.85,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06725295633077621},{"word":"need","start":33.85,"end":34.01,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0461871325969696},{"word":"to","start":34.01,"end":34.25,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0448346883058548},{"word":"let","start":34.25,"end":34.41,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.053677432239055634},{"word":"you","start":34.41,"end":34.489998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03281707316637039},{"word":"know","start":34.489998,"end":34.73,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04558141529560089},{"word":"that","start":34.73,"end":34.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03905511274933815},{"word":"our","start":34.97,"end":35.129997,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.017438434064388275},{"word":"calls","start":35.129997,"end":35.449997,"confidence":1.0,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.03054773062467575},{"word":"are","start":35.449997,"end":35.61,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03154826536774635},{"word":"being","start":35.61,"end":35.93,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.029060665518045425},{"word":"recorded","start":35.93,"end":36.41,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.02178872376680374},{"word":"for","start":36.41,"end":36.57,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00286266952753067},{"word":"quality","start":36.57,"end":36.89,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.01157323271036148},{"word":"and","start":36.89,"end":37.05,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012847654521465302},{"word":"coaching","start":37.05,"end":37.449997,"confidence":0.99609375,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":0.045581914484500885},{"word":"purposes","start":37.449997,"end":37.93,"confidence":0.8354492,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.04624994099140167},{"word":"if","start":37.93,"end":38.09,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06994561851024628},{"word":"that's","start":38.09,"end":38.41,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04146859049797058},{"word":"okay","start":38.41,"end":38.91,"confidence":0.873291,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05665859580039978},{"word":"yep","start":41.395,"end":41.795002,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28231281042099},{"word":"perfect","start":41.795002,"end":42.275,"confidence":0.99560547,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4853496551513672},{"word":"and","start":42.275,"end":42.515,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2327454388141632},{"word":"just","start":42.515,"end":42.755,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18656599521636963},{"word":"because","start":42.755,"end":42.995,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13474775850772858},{"word":"i","start":42.995,"end":43.155,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15181344747543335},{"word":"am","start":43.155,"end":43.315002,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.14486373960971832},{"word":"calling","start":43.315002,"end":43.715,"confidence":1.0,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.1294180154800415},{"word":"on","start":43.715,"end":43.795,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08052262663841248},{"word":"a","start":43.795,"end":43.875,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09051497280597688},{"word":"different","start":43.875,"end":44.195,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.05085528641939163},{"word":"number","start":44.195,"end":44.435,"confidence":0.9172363,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":0.07056710869073868},{"word":"even","start":44.435,"end":44.675,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.06255628913640976},{"word":"though","start":44.675,"end":44.835,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.04232216253876686},{"word":"i","start":44.835,"end":44.995003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05738067626953125},{"word":"can","start":44.995003,"end":45.155,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03817867860198021},{"word":"hear","start":45.155,"end":45.395,"confidence":0.9707031,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.04711345583200455},{"word":"that","start":45.395,"end":45.555,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0780571773648262},{"word":"it","start":45.555,"end":45.715,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1027073934674263},{"word":"is","start":45.715,"end":45.955,"confidence":0.8959961,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08832809329032898},{"word":"you","start":45.955,"end":46.275,"confidence":0.93774414,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.11408540606498718},{"word":"but","start":46.275,"end":46.595,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09827420115470886},{"word":"just","start":46.595,"end":46.915,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0607694573700428},{"word":"for","start":46.915,"end":47.075,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026690393686294556},{"word":"your","start":47.075,"end":47.555,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06117480248212814},{"word":"security","start":47.555,"end":48.055,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.06915158033370972},{"word":"purposes","start":48.195,"end":48.695,"confidence":0.96362305,"punctuated_word":"purposes,","sentiment":"neutral","sentiment_score":0.09787678718566896},{"word":"could","start":50.195,"end":50.435,"confidence":0.66308594,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.16332636773586273},{"word":"i","start":50.435,"end":50.755,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12334021180868147},{"word":"please","start":50.755,"end":51.075,"confidence":0.99902344,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.13302847743034363},{"word":"just","start":51.075,"end":51.315002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17521242797374725},{"word":"get","start":51.315002,"end":51.555,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11666744202375412},{"word":"you","start":51.555,"end":51.715,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13064900040626526},{"word":"to","start":51.715,"end":51.955,"confidence":0.8642578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1323191523551941},{"word":"just","start":51.955,"end":52.275,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1738608330488205},{"word":"confirm","start":52.275,"end":52.755,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.12450341880321504},{"word":"your","start":52.755,"end":52.995003,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14006668329238892},{"word":"full","start":52.995003,"end":53.155,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.16062888503074646},{"word":"name","start":53.155,"end":53.655,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.0978674292564392},{"word":"and","start":53.795,"end":54.27,"confidence":0.8769531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1183326467871666},{"word":"date","start":54.27,"end":54.43,"confidence":0.9970703,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.13947638869285583},{"word":"of","start":54.43,"end":54.75,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12775711715221405},{"word":"birth","start":54.75,"end":54.99,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.10533295571804048},{"word":"for","start":54.99,"end":55.31,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09090079367160796},{"word":"me","start":55.31,"end":55.81,"confidence":0.98535156,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.08491529524326324},{"word":"yep","start":61.79,"end":62.19,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0980764776468277},{"word":"yep","start":62.19,"end":62.35,"confidence":0.77783203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20997248589992523},{"word":"beautiful","start":62.35,"end":62.85,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5103119611740112},{"word":"now","start":63.39,"end":63.79,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15478160977363586},{"word":"do","start":63.79,"end":63.95,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03616037219762802},{"word":"you","start":63.95,"end":64.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06385143101215363},{"word":"have","start":64.11,"end":64.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05128726735711098},{"word":"access","start":64.43,"end":64.83,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.07077592611312866},{"word":"to","start":64.83,"end":64.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07005694508552551},{"word":"your","start":64.99,"end":65.31,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015802927315235138},{"word":"emails","start":65.31,"end":65.63,"confidence":0.9448242,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.06046595424413681},{"word":"at","start":65.63,"end":65.79,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.003696080297231674},{"word":"the","start":65.79,"end":65.95,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049578022211790085},{"word":"moment","start":65.95,"end":66.43,"confidence":0.9343262,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04371844232082367},{"word":"or","start":66.43,"end":66.67,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012505143880844116},{"word":"are","start":66.67,"end":66.83,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01179014891386032},{"word":"you","start":66.83,"end":67.07,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0023547932505607605},{"word":"kind","start":67.07,"end":67.39,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.00752490758895874},{"word":"of","start":67.39,"end":67.89,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0045576877892017365},{"word":"driving","start":69.085,"end":69.585,"confidence":0.9951172,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.0284571573138237},{"word":"or","start":69.645,"end":69.884995,"confidence":0.9248047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.022585034370422363},{"word":"a","start":69.884995,"end":69.965,"confidence":0.90625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0263834185898304},{"word":"bit","start":69.965,"end":70.204994,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.007887650281190872},{"word":"busy","start":70.204994,"end":70.704994,"confidence":0.9733887,"punctuated_word":"busy?","sentiment":"neutral","sentiment_score":0.016110245138406754},{"word":"because","start":75.244995,"end":75.744995,"confidence":0.8496094,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.007609639316797256},{"word":"yeah","start":76.445,"end":76.845,"confidence":0.888916,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04019909352064133},{"word":"so","start":76.845,"end":77.244995,"confidence":0.5649414,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04324399307370186},{"word":"i","start":77.244995,"end":77.564995,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04784778133034706},{"word":"am","start":77.564995,"end":78.045,"confidence":0.4555664,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.03610267490148544},{"word":"i","start":78.125,"end":78.284996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051056183874607086},{"word":"have","start":78.284996,"end":78.524994,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06745558977127075},{"word":"put","start":78.524994,"end":78.924995,"confidence":0.9941406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.060217127203941345},{"word":"together","start":78.924995,"end":79.325,"confidence":0.9863281,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.08143055438995361},{"word":"a","start":79.325,"end":79.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06035123392939568},{"word":"recommendation","start":79.485,"end":79.985,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.08641000837087631},{"word":"for","start":80.125,"end":80.365,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08441837131977081},{"word":"you","start":80.365,"end":80.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08401764929294586},{"word":"to","start":80.685,"end":80.845,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11505299061536788},{"word":"make","start":80.845,"end":81.345,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10759374499320984},{"word":"a","start":81.884995,"end":81.965,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1200428381562233},{"word":"couple","start":81.965,"end":82.284996,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1087195724248886},{"word":"of","start":82.284996,"end":82.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1069781631231308},{"word":"minor","start":82.445,"end":82.845,"confidence":1.0,"punctuated_word":"minor","sentiment":"neutral","sentiment_score":0.1003727912902832},{"word":"changes","start":82.845,"end":83.244995,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.08676258474588394},{"word":"to","start":83.244995,"end":83.325,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09349723160266876},{"word":"your","start":83.325,"end":83.564995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08831247687339783},{"word":"investment","start":83.564995,"end":84.064995,"confidence":0.98657227,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.052837248891592026},{"word":"so","start":84.78001,"end":85.28001,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04730883985757828},{"word":"what","start":85.66,"end":86.16,"confidence":0.9375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.001961655914783478},{"word":"what","start":86.22,"end":86.72,"confidence":0.85253906,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01689189299941063},{"word":"correct","start":87.98,"end":88.48,"confidence":0.9980469,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":-0.011722205206751823},{"word":"so","start":89.020004,"end":89.520004,"confidence":0.9560547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03629303723573685},{"word":"in","start":89.9,"end":90.14,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.039850544184446335},{"word":"order","start":90.14,"end":90.54,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.11056622862815856},{"word":"correct","start":91.740005,"end":92.240005,"confidence":0.99902344,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":-0.01765746995806694},{"word":"so","start":92.46001,"end":92.62,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.027144692838191983},{"word":"it","start":92.62,"end":92.86,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07888184487819672},{"word":"is","start":92.86,"end":93.18,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04134020954370499},{"word":"changing","start":93.18,"end":93.68,"confidence":0.9970703,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.03541767597198486},{"word":"that","start":93.82,"end":93.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06605105102062225},{"word":"one","start":93.98,"end":94.48,"confidence":0.99316406,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.07311496138572693},{"word":"so","start":96.060005,"end":96.380005,"confidence":0.95947266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03166872262954712},{"word":"in","start":96.380005,"end":96.62,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06818647682666779},{"word":"order","start":96.62,"end":96.94,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.06893126666545868},{"word":"to","start":96.94,"end":97.18,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0730103924870491},{"word":"try","start":97.18,"end":97.340004,"confidence":0.8676758,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.07170771062374115},{"word":"not","start":97.340004,"end":97.755,"confidence":0.39697266,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08359042555093765},{"word":"make","start":97.915,"end":98.155,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06113772839307785},{"word":"a","start":98.155,"end":98.395,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0905100554227829},{"word":"recommendation","start":98.395,"end":98.895,"confidence":0.99902344,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.11162858456373216},{"word":"for","start":99.195,"end":99.435,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16181907057762146},{"word":"you","start":99.435,"end":99.755,"confidence":0.9995117,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.12156836688518524},{"word":"i","start":99.755,"end":100.075,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05992168188095093},{"word":"have","start":100.075,"end":100.314995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04227808117866516},{"word":"to","start":100.314995,"end":100.395,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06910795718431473},{"word":"put","start":100.395,"end":100.634995,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.051361292600631714},{"word":"everything","start":100.634995,"end":101.034996,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.02742357552051544},{"word":"in","start":101.034996,"end":101.354996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06923723220825195},{"word":"a","start":101.354996,"end":101.515,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05449051782488823},{"word":"statement","start":101.515,"end":101.91499,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":-0.020609982311725616},{"word":"of","start":101.91499,"end":102.155,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02444777637720108},{"word":"advice","start":102.155,"end":102.655,"confidence":0.9736328,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.026015974581241608},{"word":"is","start":103.115,"end":103.274994,"confidence":0.47070312,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.016870740801095963},{"word":"that","start":103.274994,"end":103.435,"confidence":0.7421875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0480995699763298},{"word":"a","start":103.435,"end":103.515,"confidence":0.8535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0011876672506332395},{"word":"kind","start":103.515,"end":103.755,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.006902627646923065},{"word":"of","start":103.755,"end":103.835,"confidence":0.78393555,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.010647311806678772},{"word":"like","start":103.835,"end":104.075,"confidence":0.9890137,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.002777449786663055},{"word":"that","start":104.075,"end":104.235,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021331273019313812},{"word":"long","start":104.235,"end":104.475,"confidence":0.99609375,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.006219744682312012},{"word":"compliance","start":104.475,"end":104.954994,"confidence":0.99316406,"punctuated_word":"compliance","sentiment":"neutral","sentiment_score":0.05633961409330368},{"word":"document","start":104.954994,"end":105.354996,"confidence":0.83374023,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":-0.0012963153421878817},{"word":"but","start":105.354996,"end":105.515,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02839433401823044},{"word":"it","start":105.515,"end":105.59499,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.030041933059692383},{"word":"is","start":105.59499,"end":105.835,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00946955382823944},{"word":"to","start":105.835,"end":105.91499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022238940000534058},{"word":"make","start":105.91499,"end":106.075,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.001900121569633484},{"word":"sure","start":106.075,"end":106.235,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.001893371343612671},{"word":"that","start":106.235,"end":106.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012082621455192566},{"word":"you","start":106.395,"end":106.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020265936851501465},{"word":"fully","start":106.555,"end":106.954994,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.1057940125465393},{"word":"understand","start":106.954994,"end":107.354996,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.02926868200302124},{"word":"everything","start":107.354996,"end":107.854996,"confidence":0.95532227,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.03839360177516937},{"word":"so","start":108.155,"end":108.395,"confidence":0.9223633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.076473169028759},{"word":"i","start":108.395,"end":108.475,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07894247025251389},{"word":"will","start":108.475,"end":108.975,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08182135969400406},{"word":"email","start":109.115,"end":109.515,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.09786882996559144},{"word":"that","start":109.515,"end":109.8,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12563005089759827},{"word":"to","start":109.880005,"end":110.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11778164654970168},{"word":"you","start":110.04,"end":110.28001,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12755519151687622},{"word":"so","start":110.28001,"end":110.76,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22164800763130188},{"word":"if","start":110.76,"end":111.0,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24294191598892212},{"word":"you","start":111.0,"end":111.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22179634869098663},{"word":"have","start":111.08,"end":111.32,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21376317739486697},{"word":"a","start":111.32,"end":111.48,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.227544367313385},{"word":"moment","start":111.48,"end":111.8,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.26001954078674316},{"word":"to","start":111.8,"end":111.96001,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1824389100074768},{"word":"access","start":111.96001,"end":112.28001,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.1471877545118332},{"word":"it","start":112.28001,"end":112.44,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1805683672428131},{"word":"while","start":112.44,"end":112.76,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.14881518483161926},{"word":"we're","start":112.76,"end":112.920006,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21671812236309052},{"word":"on","start":112.920006,"end":113.0,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2330387532711029},{"word":"the","start":113.0,"end":113.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21703355014324188},{"word":"phone","start":113.16,"end":113.64,"confidence":0.99853516,"punctuated_word":"phone,","sentiment":"neutral","sentiment_score":0.22748437523841855},{"word":"that","start":113.64,"end":113.880005,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.418477326631546},{"word":"would","start":113.880005,"end":114.12,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4107789695262909},{"word":"be","start":114.12,"end":114.28001,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3897113800048828},{"word":"good","start":114.28001,"end":114.520004,"confidence":0.9267578,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2711486220359802},{"word":"but","start":114.520004,"end":114.68,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14093954861164093},{"word":"if","start":114.68,"end":114.920006,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10718999803066254},{"word":"you","start":114.920006,"end":115.16,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07899613678455353},{"word":"don't","start":115.16,"end":115.560005,"confidence":0.96500653,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":0.0706222727894783},{"word":"because","start":115.560005,"end":115.880005,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1420850306749344},{"word":"it","start":115.880005,"end":116.04,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1823609471321106},{"word":"is","start":116.04,"end":116.200005,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2231082022190094},{"word":"pretty","start":116.200005,"end":116.520004,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.27459052205085754},{"word":"straightforward","start":116.520004,"end":117.020004,"confidence":0.9902344,"punctuated_word":"straightforward,","sentiment":"neutral","sentiment_score":0.1846422404050827},{"word":"i","start":117.8,"end":117.880005,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20499499142169952},{"word":"can","start":117.880005,"end":118.12,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22034047544002533},{"word":"kind","start":118.12,"end":118.28,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16688977181911469},{"word":"of","start":118.28,"end":118.44,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1928140819072723},{"word":"just","start":118.44,"end":118.68,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23313236236572263},{"word":"talk","start":118.68,"end":119.0,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.1769927591085434},{"word":"through","start":119.0,"end":119.240005,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2000524401664734},{"word":"the","start":119.240005,"end":119.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1610090583562851},{"word":"changes","start":119.48,"end":119.96001,"confidence":0.8808594,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.1180710569024086},{"word":"and","start":119.96001,"end":120.12,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13028354942798617},{"word":"then","start":120.12,"end":120.44,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14404650032520294},{"word":"later","start":120.44,"end":120.920006,"confidence":0.9716797,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.12726983428001404},{"word":"if","start":120.920006,"end":121.08,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16390301287174225},{"word":"you","start":121.08,"end":121.240005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15702387690544128},{"word":"have","start":121.240005,"end":121.48,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12990820407867432},{"word":"a","start":121.48,"end":121.560005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12859532237052915},{"word":"bit","start":121.560005,"end":121.72,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12169761210680008},{"word":"more","start":121.72,"end":121.96001,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0766526460647583},{"word":"time","start":121.96001,"end":122.46001,"confidence":1.0,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.15273848176002502},{"word":"you","start":122.705,"end":122.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1679747998714447},{"word":"can","start":122.945,"end":123.105,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1550663709640503},{"word":"then","start":123.105,"end":123.425,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1978148818016052},{"word":"have","start":123.425,"end":123.665,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18097977340221405},{"word":"a","start":123.665,"end":123.825,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17808452248573303},{"word":"read","start":123.825,"end":124.145,"confidence":0.9902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.13797461986541748},{"word":"over","start":124.145,"end":124.385,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1674562394618988},{"word":"it","start":124.385,"end":124.785,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17375928163528442},{"word":"and","start":124.785,"end":125.105,"confidence":0.50390625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15840975940227509},{"word":"let","start":125.105,"end":125.265,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1922847330570221},{"word":"me","start":125.265,"end":125.425,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2192714810371399},{"word":"know","start":125.425,"end":125.585,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.19826698303222656},{"word":"what","start":125.585,"end":125.745,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17560115456581116},{"word":"you","start":125.745,"end":125.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1576152145862579},{"word":"think","start":125.905,"end":126.225,"confidence":0.9995117,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.14578214287757874},{"word":"it","start":126.225,"end":126.385,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.15448923408985138},{"word":"is","start":126.385,"end":126.625,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13777750730514526},{"word":"up","start":126.625,"end":126.785,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1444368213415146},{"word":"to","start":126.785,"end":126.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14050477743148804},{"word":"you","start":126.945,"end":127.445,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14431041479110718},{"word":"okay","start":132.305,"end":132.805,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.030578751116991043},{"word":"pass","start":132.945,"end":133.445,"confidence":0.33740234,"punctuated_word":"Pass","sentiment":"neutral","sentiment_score":0.11032971739768982},{"word":"perfect","start":134.385,"end":134.885,"confidence":0.99365234,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6614029407501221},{"word":"so","start":135.025,"end":135.505,"confidence":0.97998047,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3344263732433319},{"word":"i","start":135.505,"end":135.665,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34951406717300415},{"word":"have","start":135.665,"end":135.985,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32622218132019043},{"word":"just","start":135.985,"end":136.38,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3742745518684387},{"word":"emailed","start":136.54001,"end":136.86,"confidence":0.97314453,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.31310996413230896},{"word":"that","start":136.86,"end":137.02,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2890908718109131},{"word":"to","start":137.02,"end":137.18001,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26990312337875366},{"word":"you","start":137.18001,"end":137.34001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.267316073179245},{"word":"when","start":137.34001,"end":137.46,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.21730497479438785},{"word":"you","start":137.46,"end":137.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19533593952655792},{"word":"have","start":137.58,"end":137.82,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19182996451854703},{"word":"a","start":137.82,"end":137.90001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26601195335388184},{"word":"moment","start":137.90001,"end":138.22,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2543482780456543},{"word":"later","start":138.22,"end":138.72,"confidence":0.99609375,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.21462324261665344},{"word":"now","start":140.54001,"end":141.04001,"confidence":0.86328125,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.09473112225532532},{"word":"might","start":141.5,"end":141.90001,"confidence":0.5385742,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1321901977062225},{"word":"end","start":141.90001,"end":142.22,"confidence":0.99902344,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.12144947052001952},{"word":"up","start":142.22,"end":142.38,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16495530307292938},{"word":"in","start":142.38,"end":142.70001,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18315854668617249},{"word":"spam","start":142.70001,"end":143.1,"confidence":0.9892578,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":-0.2000731974840164},{"word":"folder","start":143.1,"end":143.5,"confidence":0.9123535,"punctuated_word":"folder,","sentiment":"neutral","sentiment_score":-0.2866213917732239},{"word":"so","start":143.5,"end":143.66,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14039933681488037},{"word":"just","start":143.66,"end":143.90001,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08426858484745026},{"word":"have","start":143.90001,"end":144.06,"confidence":0.984375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06955806165933609},{"word":"a","start":144.06,"end":144.14,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09431245923042296},{"word":"bit","start":144.14,"end":144.3,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01969580352306366},{"word":"of","start":144.3,"end":144.46,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04688512161374092},{"word":"a","start":144.46,"end":144.62001,"confidence":0.9140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10169866681098938},{"word":"look","start":144.62001,"end":144.86,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.07760026305913925},{"word":"through","start":144.86,"end":145.1,"confidence":0.95947266,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.05410114675760269},{"word":"it","start":145.1,"end":145.26001,"confidence":0.96777344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.095555379986763},{"word":"later","start":145.26001,"end":145.74,"confidence":0.94384766,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":-0.11701561510562895},{"word":"but","start":145.74,"end":145.98001,"confidence":0.951416,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.05775083974003792},{"word":"essentially","start":145.98001,"end":146.48001,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.10114230960607529},{"word":"i","start":146.62001,"end":146.78,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20354771614074707},{"word":"have","start":146.78,"end":147.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19282306730747223},{"word":"put","start":147.02,"end":147.26001,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2113223373889923},{"word":"together","start":147.26001,"end":147.74,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2697027325630188},{"word":"a","start":147.74,"end":147.90001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19097748398780823},{"word":"recommendation","start":147.90001,"end":148.40001,"confidence":0.9995117,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.24087871611118317},{"word":"like","start":148.94,"end":149.1,"confidence":1.0,"punctuated_word":"Like","sentiment":"positive","sentiment_score":0.3737468421459198},{"word":"i","start":149.1,"end":149.26001,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.349364310503006},{"word":"said","start":149.26001,"end":149.42,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.3583380877971649},{"word":"it","start":149.42,"end":149.58,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4549164474010467},{"word":"is","start":149.58,"end":149.74,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.46886008977890015},{"word":"very","start":149.74,"end":149.98001,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5506843328475952},{"word":"straightforward","start":149.98001,"end":150.38,"confidence":0.9980469,"punctuated_word":"straightforward","sentiment":"positive","sentiment_score":0.4227233827114105},{"word":"because","start":150.38,"end":150.62001,"confidence":0.92578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.32566285133361816},{"word":"we've","start":150.62001,"end":150.86,"confidence":0.99658203,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.454211562871933},{"word":"kind","start":150.86,"end":151.02,"confidence":0.98535156,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4265689253807068},{"word":"of","start":151.02,"end":151.18001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4761421382427216},{"word":"already","start":151.18001,"end":151.5,"confidence":1.0,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.4807806611061096},{"word":"touched","start":151.5,"end":151.82,"confidence":1.0,"punctuated_word":"touched","sentiment":"positive","sentiment_score":0.3621370196342468},{"word":"on","start":151.82,"end":151.98001,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.45501959323883057},{"word":"it","start":151.98001,"end":152.265,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3643888533115387},{"word":"it","start":152.505,"end":152.665,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3061682879924774},{"word":"was","start":152.665,"end":152.745,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2732975482940674},{"word":"just","start":152.745,"end":153.145,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.322343111038208},{"word":"for","start":153.145,"end":153.305,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28978368639945984},{"word":"me","start":153.305,"end":153.545,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.39015549421310425},{"word":"to","start":153.545,"end":153.94499,"confidence":0.94628906,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3344838619232178},{"word":"do","start":153.94499,"end":154.185,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3125731945037842},{"word":"all","start":154.185,"end":154.345,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3947724401950836},{"word":"that","start":154.345,"end":154.585,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3820034265518189},{"word":"research","start":154.585,"end":154.985,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.2013678103685379},{"word":"to","start":154.985,"end":155.145,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25621187686920166},{"word":"make","start":155.145,"end":155.385,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22845673561096191},{"word":"sure","start":155.385,"end":155.705,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2259768545627594},{"word":"what","start":155.705,"end":155.865,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2804417908191681},{"word":"was","start":155.865,"end":156.025,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2253572940826416},{"word":"going","start":156.025,"end":156.265,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.359510600566864},{"word":"to","start":156.265,"end":156.425,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33358529210090637},{"word":"be","start":156.425,"end":156.505,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3099845051765442},{"word":"the","start":156.505,"end":156.665,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2456490397453308},{"word":"best","start":156.665,"end":156.985,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.17198090255260468},{"word":"option","start":156.985,"end":157.385,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.16561830043792725},{"word":"when","start":157.385,"end":157.625,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2660936117172241},{"word":"it","start":157.625,"end":157.705,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3028215169906616},{"word":"came","start":157.705,"end":158.025,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.2353978306055069},{"word":"to","start":158.025,"end":158.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24631111323833463},{"word":"the","start":158.185,"end":158.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.355222225189209},{"word":"investment","start":158.345,"end":158.845,"confidence":0.8144531,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11917584389448166},{"word":"for","start":158.905,"end":159.065,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2541763484477997},{"word":"you","start":159.065,"end":159.565,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2190479040145874},{"word":"so","start":160.025,"end":160.525,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24579936265945437},{"word":"what","start":161.385,"end":161.625,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2782082259654999},{"word":"i","start":161.625,"end":161.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29829439520835876},{"word":"have","start":161.785,"end":162.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.257943719625473},{"word":"done","start":162.105,"end":162.505,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.311680406332016},{"word":"is","start":162.505,"end":162.745,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2973058521747589},{"word":"i","start":162.745,"end":162.985,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30447179079055786},{"word":"also","start":162.985,"end":163.385,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24370735883712769},{"word":"considered","start":163.385,"end":163.885,"confidence":0.9980469,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.1979873329401016},{"word":"your","start":164.6,"end":164.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2360115498304367},{"word":"current","start":164.76,"end":165.24,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.17586636543273926},{"word":"superannuation","start":165.24,"end":165.74,"confidence":0.9973958,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.21327348053455353},{"word":"with","start":165.95999,"end":166.2,"confidence":0.99121094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13212907314300537},{"word":"hub","start":166.2,"end":166.44,"confidence":0.60498047,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.12768878042697906},{"word":"twenty","start":166.44,"end":166.68,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.25304171442985535},{"word":"four","start":166.68,"end":167.0,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.2408207803964615},{"word":"as","start":167.0,"end":167.16,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1890905201435089},{"word":"part","start":167.16,"end":167.4,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.19129644334316256},{"word":"of","start":167.4,"end":167.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.213362455368042},{"word":"the","start":167.56,"end":167.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21337422728538513},{"word":"research","start":167.8,"end":168.3,"confidence":0.89868164,"punctuated_word":"research.","sentiment":"neutral","sentiment_score":0.14195343852043152},{"word":"so","start":168.44,"end":168.68,"confidence":0.6064453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24717307090759277},{"word":"making","start":168.68,"end":169.0,"confidence":0.8745117,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.23658452928066256},{"word":"sure","start":169.0,"end":169.4,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28950440883636475},{"word":"if","start":169.4,"end":169.56,"confidence":0.85498047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3006438612937927},{"word":"hub","start":169.56,"end":169.8,"confidence":0.95410156,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.2941380441188812},{"word":"twenty","start":169.8,"end":170.12,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3546519875526428},{"word":"four","start":170.12,"end":170.36,"confidence":0.99902344,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.34471726417541504},{"word":"was","start":170.36,"end":170.6,"confidence":0.97314453,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.18611037731170657},{"word":"still","start":170.6,"end":170.84,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.18614357709884644},{"word":"going","start":170.84,"end":171.16,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25681477785110474},{"word":"to","start":171.16,"end":171.31999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2273799031972885},{"word":"be","start":171.31999,"end":171.81999,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2213648557662964},{"word":"the","start":172.2,"end":172.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16081921756267548},{"word":"best","start":172.36,"end":172.76,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.16899742186069489},{"word":"option","start":172.76,"end":173.24,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1536049842834473},{"word":"for","start":173.24,"end":173.48,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23677831888198853},{"word":"you","start":173.48,"end":173.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32062625885009766},{"word":"because","start":173.8,"end":174.12,"confidence":0.6791992,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21579203009605408},{"word":"there","start":174.12,"end":174.36,"confidence":0.7841797,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2964648902416229},{"word":"are","start":174.36,"end":174.44,"confidence":0.82373047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28099432587623596},{"word":"always","start":174.44,"end":174.84,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.29948005080223083},{"word":"new","start":174.84,"end":175.0,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.15694665908813477},{"word":"products","start":175.0,"end":175.4,"confidence":0.99121094,"punctuated_word":"products","sentiment":"neutral","sentiment_score":0.12973810732364657},{"word":"and","start":175.4,"end":175.56,"confidence":0.99609375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3352926969528198},{"word":"features","start":175.56,"end":176.04,"confidence":0.9921875,"punctuated_word":"features","sentiment":"neutral","sentiment_score":0.24008965492248535},{"word":"that","start":176.04,"end":176.2,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2844873070716858},{"word":"come","start":176.2,"end":176.36,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.19930461049079895},{"word":"out","start":176.36,"end":176.6,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.19543340802192688},{"word":"to","start":176.6,"end":176.76,"confidence":0.9790039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18281936645507812},{"word":"the","start":176.76,"end":176.92,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21817603707313535},{"word":"market","start":176.92,"end":177.42,"confidence":0.83203125,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.1695919930934906},{"word":"so","start":177.795,"end":178.03499,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22246743738651276},{"word":"it","start":178.03499,"end":178.275,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29118582606315613},{"word":"is","start":178.275,"end":178.59499,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31170225143432617},{"word":"good","start":178.59499,"end":178.915,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.34282565116882324},{"word":"to","start":178.915,"end":179.23499,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3463594913482666},{"word":"do","start":179.23499,"end":179.635,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35456937551498413},{"word":"research","start":179.635,"end":180.135,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.2695518434047699},{"word":"just","start":180.275,"end":180.59499,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3121368885040283},{"word":"to","start":180.59499,"end":180.75499,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2231288105249405},{"word":"make","start":180.75499,"end":180.915,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2484770715236664},{"word":"sure","start":180.915,"end":181.23499,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2775633633136749},{"word":"it's","start":181.23499,"end":181.39499,"confidence":0.9855957,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2867800295352936},{"word":"still","start":181.39499,"end":181.635,"confidence":0.9941406,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21474719047546387},{"word":"their","start":181.635,"end":181.875,"confidence":0.8769531,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.219048872590065},{"word":"most","start":181.875,"end":182.19499,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.1741231232881546},{"word":"competitive","start":182.19499,"end":182.69499,"confidence":1.0,"punctuated_word":"competitive","sentiment":"neutral","sentiment_score":0.18660739064216617},{"word":"option","start":182.915,"end":183.415,"confidence":0.99609375,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.18169131875038147},{"word":"for","start":183.47499,"end":183.635,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20421653985977173},{"word":"you","start":183.635,"end":183.875,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1836550086736679},{"word":"does","start":183.875,"end":184.11499,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.201549768447876},{"word":"that","start":184.11499,"end":184.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22054335474967957},{"word":"make","start":184.275,"end":184.435,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18039442598819733},{"word":"sense","start":184.435,"end":184.935,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.11356234550476074},{"word":"yes","start":186.59499,"end":187.09499,"confidence":0.99609375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13461190462112427},{"word":"so","start":187.23499,"end":187.635,"confidence":0.7036133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1419556438922882},{"word":"after","start":187.635,"end":188.03499,"confidence":0.98828125,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.14065837860107422},{"word":"doing","start":188.03499,"end":188.435,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1576663702726364},{"word":"research","start":188.435,"end":188.935,"confidence":0.99853516,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.12870731949806213},{"word":"i","start":189.075,"end":189.23499,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2023472636938095},{"word":"have","start":189.23499,"end":189.47499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19444820284843445},{"word":"recommended","start":189.47499,"end":189.97499,"confidence":0.99316406,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.17584756016731262},{"word":"that","start":190.03499,"end":190.19499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.128186896443367},{"word":"you","start":190.19499,"end":190.435,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1490053832530975},{"word":"stay","start":190.435,"end":190.75499,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.103442445397377},{"word":"in","start":190.75499,"end":190.995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11979976296424866},{"word":"hub","start":190.995,"end":191.31499,"confidence":0.6694336,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.11302856355905531},{"word":"twenty","start":191.31499,"end":191.715,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.18711033463478088},{"word":"four","start":191.715,"end":192.12,"confidence":0.99365234,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.1073126569390297},{"word":"it","start":192.28,"end":192.59999,"confidence":0.9970703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08576759696006775},{"word":"is","start":192.59999,"end":192.76,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04343288391828537},{"word":"still","start":192.76,"end":193.15999,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.032404448837041855},{"word":"very","start":193.15999,"end":193.65999,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.04437466710805893},{"word":"competitive","start":193.72,"end":194.22,"confidence":0.99658203,"punctuated_word":"competitive.","sentiment":"neutral","sentiment_score":0.011958790943026544},{"word":"no","start":195.48,"end":195.98,"confidence":0.90063477,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07527557015419006},{"word":"completely","start":196.12,"end":196.59999,"confidence":0.9995117,"punctuated_word":"Completely","sentiment":"neutral","sentiment_score":-0.04108726233243942},{"word":"independent","start":196.59999,"end":197.09999,"confidence":0.68151855,"punctuated_word":"independent.","sentiment":"neutral","sentiment_score":-0.05453388765454292},{"word":"just","start":197.23999,"end":197.48,"confidence":0.9819336,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.05481266975402832},{"word":"for","start":197.48,"end":197.98,"confidence":0.6050415,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.026234345510601997},{"word":"yes","start":200.12,"end":200.62,"confidence":0.9941406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.060821227729320526},{"word":"no","start":201.95999,"end":202.44,"confidence":0.9885254,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06529255211353302},{"word":"no","start":202.44,"end":202.76,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.10193047672510148},{"word":"tie","start":202.76,"end":203.08,"confidence":0.94921875,"punctuated_word":"tie","sentiment":"neutral","sentiment_score":-0.07323120534420013},{"word":"at","start":203.08,"end":203.31999,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08892282843589783},{"word":"all","start":203.31999,"end":203.79999,"confidence":0.94433594,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.10814236849546432},{"word":"and","start":203.79999,"end":204.04,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04223612695932388},{"word":"that's","start":204.04,"end":204.36,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02926281839609146},{"word":"why","start":204.36,"end":204.59999,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.027471020817756653},{"word":"we","start":204.59999,"end":204.84,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07110557705163956},{"word":"do","start":204.84,"end":205.34,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08261295408010483},{"word":"that's","start":205.48,"end":205.72,"confidence":0.9890137,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06657031178474426},{"word":"why","start":205.72,"end":206.04,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.028278730809688568},{"word":"we","start":206.04,"end":206.2,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04517383873462677},{"word":"do","start":206.2,"end":206.51999,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05959901958703995},{"word":"the","start":206.51999,"end":206.68,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031562820076942444},{"word":"research","start":206.68,"end":207.15999,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.013741470873355864},{"word":"because","start":207.15999,"end":207.65999,"confidence":0.69628906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.01394939422607422},{"word":"if","start":207.72,"end":208.065,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06456184387207031},{"word":"i","start":208.145,"end":208.38501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1110185906291008},{"word":"found","start":208.38501,"end":208.705,"confidence":1.0,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.05921927094459534},{"word":"another","start":208.705,"end":209.105,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.03640075773000717},{"word":"option","start":209.105,"end":209.605,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.05045474320650101},{"word":"for","start":210.145,"end":210.30501,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15875685214996338},{"word":"you","start":210.30501,"end":210.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19422011077404025},{"word":"that","start":210.625,"end":210.865,"confidence":0.97314453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19194626808166504},{"word":"was","start":210.865,"end":211.02501,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09813547134399414},{"word":"going","start":211.02501,"end":211.265,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1407136768102646},{"word":"to","start":211.265,"end":211.345,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0752028301358223},{"word":"be","start":211.345,"end":211.66501,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09946531802415848},{"word":"better","start":211.66501,"end":212.16501,"confidence":0.99194336,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":0.07498936355113983},{"word":"then","start":212.30501,"end":212.545,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1581392139196396},{"word":"i","start":212.545,"end":212.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20589730143547055},{"word":"would","start":212.625,"end":212.865,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19265103340148929},{"word":"have","start":212.865,"end":213.105,"confidence":0.85498047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17979755997657776},{"word":"recommended","start":213.105,"end":213.605,"confidence":0.9980469,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.17443175613880155},{"word":"that","start":213.66501,"end":214.16501,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0924006849527359},{"word":"there's","start":214.465,"end":214.865,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.000877509533893317},{"word":"nothing","start":214.865,"end":215.365,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.03863807022571564},{"word":"tying","start":215.425,"end":215.745,"confidence":0.9980469,"punctuated_word":"tying","sentiment":"neutral","sentiment_score":-0.04573053866624832},{"word":"up","start":215.745,"end":215.985,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1029192954301834},{"word":"to","start":215.985,"end":216.225,"confidence":0.8461914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06581473350524902},{"word":"have","start":216.225,"end":216.465,"confidence":0.4416504,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.037893038243055344},{"word":"twenty","start":216.465,"end":216.705,"confidence":0.9941406,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.04011517018079758},{"word":"four","start":216.705,"end":217.02501,"confidence":0.6068115,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.02968204766511917},{"word":"you","start":217.02501,"end":217.52501,"confidence":0.16516113,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02276434749364853},{"word":"will","start":219.505,"end":219.905,"confidence":0.9526367,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04307347536087036},{"word":"actually","start":219.905,"end":220.405,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.04120346903800965},{"word":"see","start":221.55,"end":221.70999,"confidence":0.9863281,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.026905100792646408},{"word":"in","start":221.70999,"end":222.03,"confidence":0.6503906,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.025136537849903107},{"word":"the","start":222.03,"end":222.34999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02074902504682541},{"word":"document","start":222.34999,"end":222.84999,"confidence":0.70214844,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.031452737748622894},{"word":"on","start":222.91,"end":223.15,"confidence":0.625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004108414053916931},{"word":"the","start":223.15,"end":223.62999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011370066553354263},{"word":"alternative","start":223.62999,"end":224.12999,"confidence":0.5472412,"punctuated_word":"alternative.","sentiment":"neutral","sentiment_score":-0.018359484151005745},{"word":"so","start":224.26999,"end":224.43,"confidence":0.55078125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02749805524945259},{"word":"i","start":224.43,"end":224.51,"confidence":0.61083984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039061062037944794},{"word":"have","start":224.51,"end":224.75,"confidence":0.9326172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.032477397471666336},{"word":"put","start":224.75,"end":225.06999,"confidence":0.7709961,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.02429710328578949},{"word":"one","start":225.06999,"end":225.31,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.024200432002544403},{"word":"of","start":225.31,"end":225.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04537609592080116},{"word":"the","start":225.39,"end":225.62999,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019094247370958328},{"word":"alternatives","start":225.62999,"end":226.12999,"confidence":0.80371094,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.0038686469197273254},{"word":"there","start":226.19,"end":226.43,"confidence":0.98535156,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.029651105403900143},{"word":"but","start":226.43,"end":226.59,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.016912493854761124},{"word":"there's","start":226.59,"end":226.75,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0054672881960868835},{"word":"a","start":226.75,"end":226.83,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0008438117802143097},{"word":"lot","start":226.83,"end":227.06999,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.012256838381290436},{"word":"of","start":227.06999,"end":227.15,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006788633763790131},{"word":"different","start":227.15,"end":227.47,"confidence":0.90234375,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.007470633834600449},{"word":"different","start":227.47,"end":227.79,"confidence":0.107177734,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.010400697588920592},{"word":"funds","start":227.79,"end":228.11,"confidence":0.44604492,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.013099320232868196},{"word":"to","start":228.11,"end":228.26999,"confidence":0.8647461,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005740821361541748},{"word":"look","start":228.26999,"end":228.59,"confidence":0.99316406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01955565810203552},{"word":"at","start":228.59,"end":229.09,"confidence":0.9904785,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.005742251873016357},{"word":"one","start":229.87,"end":230.26999,"confidence":0.99316406,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.041526250541210175},{"word":"option","start":230.26999,"end":230.67,"confidence":0.99316406,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.041076235473155975},{"word":"i","start":230.67,"end":230.75,"confidence":0.94384766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07062757015228271},{"word":"was","start":230.75,"end":231.25,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04685070365667343},{"word":"considering","start":231.55,"end":232.05,"confidence":0.97802734,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.057723380625247955},{"word":"for","start":232.26999,"end":232.43,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07471859455108643},{"word":"you","start":232.43,"end":232.67,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0951484441757202},{"word":"that","start":232.67,"end":232.83,"confidence":0.9560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11588083207607268},{"word":"is","start":232.83,"end":233.15,"confidence":0.9550781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10752084106206894},{"word":"pretty","start":233.15,"end":233.65,"confidence":0.8984375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14516593515872955},{"word":"competitive","start":234.115,"end":234.515,"confidence":0.9951172,"punctuated_word":"competitive","sentiment":"neutral","sentiment_score":0.08736602216959},{"word":"and","start":234.515,"end":234.835,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10392244905233385},{"word":"similar","start":234.835,"end":235.335,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.08337294310331345},{"word":"to","start":235.395,"end":235.635,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09841162711381912},{"word":"hub","start":235.635,"end":235.955,"confidence":0.54248047,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.10628791898488998},{"word":"twenty","start":235.955,"end":236.27501,"confidence":0.9863281,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.04364689439535141},{"word":"four","start":236.27501,"end":236.77501,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.04981765151023865},{"word":"was","start":237.875,"end":238.115,"confidence":0.76953125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03267395496368408},{"word":"another","start":238.115,"end":238.435,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.017704933881759644},{"word":"platform","start":238.435,"end":238.91501,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.02832135558128357},{"word":"called","start":238.91501,"end":239.315,"confidence":0.99902344,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.02861684560775757},{"word":"mynorth","start":239.315,"end":239.815,"confidence":0.70182294,"punctuated_word":"MyNorth.","sentiment":"neutral","sentiment_score":0.03405008837580681},{"word":"but","start":240.275,"end":240.755,"confidence":0.9309082,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.04668044298887253},{"word":"essentially","start":240.755,"end":241.255,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.11582361161708832},{"word":"it","start":241.315,"end":241.475,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1607961505651474},{"word":"wasn't","start":241.475,"end":241.875,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.1885833591222763},{"word":"worth","start":241.875,"end":242.355,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.18117716908454895},{"word":"you","start":242.355,"end":242.855,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17401377856731415},{"word":"changing","start":242.91501,"end":243.41501,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.19599103927612305},{"word":"because","start":244.035,"end":244.355,"confidence":0.8803711,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17014771699905396},{"word":"the","start":244.355,"end":244.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10759809613227844},{"word":"capital","start":244.515,"end":245.015,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.17340560257434845},{"word":"gains","start":245.075,"end":245.575,"confidence":0.9941406,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.16057953238487244},{"word":"tax","start":245.635,"end":246.035,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.05334305018186569},{"word":"would","start":246.035,"end":246.275,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.185788094997406},{"word":"be","start":246.275,"end":246.775,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12001018971204758},{"word":"a","start":246.995,"end":247.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11307333409786224},{"word":"lot","start":247.155,"end":247.475,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09614573419094086},{"word":"higher","start":247.475,"end":247.975,"confidence":0.7963867,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":-0.02724318206310272},{"word":"and","start":248.90999,"end":249.15,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014494352042675018},{"word":"hub","start":249.15,"end":249.46999,"confidence":0.5205078,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1114547848701477},{"word":"twenty","start":249.46999,"end":249.70999,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.06803752481937408},{"word":"four","start":249.70999,"end":250.03,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.07784320414066315},{"word":"has","start":250.03,"end":250.34999,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.10733768343925476},{"word":"the","start":250.34999,"end":250.51,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1028888151049614},{"word":"same","start":250.51,"end":250.82999,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.102923184633255},{"word":"features","start":250.82999,"end":251.23,"confidence":0.9980469,"punctuated_word":"features","sentiment":"neutral","sentiment_score":0.1375402957201004},{"word":"and","start":251.23,"end":251.46999,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12005650252103806},{"word":"even","start":251.46999,"end":251.62999,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07657419145107269},{"word":"more","start":251.62999,"end":251.87,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05818227678537369},{"word":"investment","start":251.87,"end":252.37,"confidence":0.9111328,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.032551996409893036},{"word":"options","start":252.43,"end":252.93,"confidence":0.91137695,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.01625756546854973},{"word":"so","start":253.87,"end":254.37,"confidence":0.94189453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1088353917002678},{"word":"yeah","start":254.98999,"end":255.31,"confidence":0.9736328,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.18918606638908383},{"word":"so","start":255.31,"end":255.46999,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26235178112983704},{"word":"i","start":255.46999,"end":255.62999,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35288718342781067},{"word":"have","start":255.62999,"end":255.87,"confidence":0.9970703,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3820054233074188},{"word":"recommended","start":255.87,"end":256.27,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.3849264979362488},{"word":"that","start":256.27,"end":256.50998,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3343448340892792},{"word":"for","start":256.50998,"end":256.66998,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22428074479103088},{"word":"now","start":256.66998,"end":256.91,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.24365952610969543},{"word":"anyway","start":256.91,"end":257.38998,"confidence":0.86279297,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.3033451437950134},{"word":"you","start":257.38998,"end":257.63,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.30623266100883484},{"word":"stay","start":257.63,"end":257.94998,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.31570056080818176},{"word":"in","start":257.94998,"end":258.19,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22259369492530823},{"word":"hub","start":258.19,"end":258.43,"confidence":0.9770508,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.2332326173782349},{"word":"twenty","start":258.43,"end":258.83,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3507556617259979},{"word":"four","start":258.83,"end":259.07,"confidence":1.0,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.36306244134902954},{"word":"and","start":259.07,"end":259.38998,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2684614956378937},{"word":"literally","start":259.38998,"end":259.87,"confidence":0.9350586,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.22014683485031128},{"word":"just","start":259.87,"end":260.27,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2249522805213928},{"word":"change","start":260.27,"end":260.66998,"confidence":0.98291016,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.20807971060276031},{"word":"a","start":260.66998,"end":260.83,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25492024421691895},{"word":"couple","start":260.83,"end":261.15,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2064896821975708},{"word":"of","start":261.15,"end":261.38998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2247966825962067},{"word":"investments","start":261.38998,"end":261.88998,"confidence":0.75,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.10834940522909164},{"word":"so","start":263.165,"end":263.645,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10720952600240707},{"word":"i","start":263.645,"end":263.805,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12155022472143172},{"word":"have","start":263.805,"end":264.045,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1361159235239029},{"word":"kind","start":264.045,"end":264.205,"confidence":0.60302734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10556669533252716},{"word":"of","start":264.205,"end":264.365,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09859904646873474},{"word":"formalized","start":264.365,"end":264.865,"confidence":0.99902344,"punctuated_word":"formalized","sentiment":"neutral","sentiment_score":0.14136992394924164},{"word":"everything","start":265.245,"end":265.745,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2292887270450592},{"word":"for","start":266.045,"end":266.365,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16799072921276093},{"word":"you","start":266.365,"end":266.865,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05733451992273331},{"word":"now","start":266.925,"end":267.425,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.20609578490257263},{"word":"what","start":267.965,"end":268.205,"confidence":0.9902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.21055421233177185},{"word":"usually","start":268.205,"end":268.685,"confidence":0.9951172,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.22035682201385495},{"word":"makes","start":268.685,"end":269.005,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.16787265241146088},{"word":"a","start":269.005,"end":269.165,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24375677108764648},{"word":"bit","start":269.165,"end":269.405,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1733344793319702},{"word":"more","start":269.405,"end":269.645,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07935445010662079},{"word":"sense","start":269.645,"end":269.885,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.07101237773895264},{"word":"is","start":269.885,"end":270.125,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11732199043035509},{"word":"later","start":270.125,"end":270.525,"confidence":0.9863281,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.17683106660842896},{"word":"when","start":270.525,"end":270.685,"confidence":0.7265625,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12440726161003111},{"word":"you","start":270.685,"end":270.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1537989377975464},{"word":"have","start":270.845,"end":271.005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1281365305185318},{"word":"a","start":271.005,"end":271.085,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13841694593429563},{"word":"look","start":271.085,"end":271.325,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10535118728876114},{"word":"at","start":271.325,"end":271.565,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1263786256313324},{"word":"page","start":271.565,"end":272.065,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10786667466163637},{"word":"15","start":272.125,"end":272.625,"confidence":0.9736328,"punctuated_word":"15,","sentiment":"neutral","sentiment_score":0.14307262003421783},{"word":"you","start":272.685,"end":272.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13720224797725675},{"word":"will","start":272.845,"end":273.005,"confidence":0.8222656,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1014290526509285},{"word":"basically","start":273.005,"end":273.485,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.08976748585700989},{"word":"see","start":273.485,"end":273.985,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10467110574245451},{"word":"very","start":274.205,"end":274.685,"confidence":0.9941406,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.07449588179588318},{"word":"extent","start":274.685,"end":275.185,"confidence":0.3330078,"punctuated_word":"extent","sentiment":"neutral","sentiment_score":0.05860977992415428},{"word":"extensive","start":275.565,"end":276.065,"confidence":0.9980469,"punctuated_word":"extensive","sentiment":"neutral","sentiment_score":0.10830385982990264},{"word":"document","start":276.125,"end":276.605,"confidence":0.9951172,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08164793252944946},{"word":"explaining","start":276.605,"end":277.105,"confidence":0.99902344,"punctuated_word":"explaining","sentiment":"neutral","sentiment_score":0.09012456238269806},{"word":"everything","start":277.165,"end":277.645,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.0899152010679245},{"word":"in","start":277.645,"end":277.965,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06355499476194382},{"word":"detail","start":277.965,"end":278.465,"confidence":0.8330078,"punctuated_word":"detail.","sentiment":"neutral","sentiment_score":0.06156604364514351},{"word":"but","start":280.65002,"end":280.81,"confidence":0.8417969,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.20950603485107425},{"word":"basically","start":280.81,"end":281.31,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.26171064376831055},{"word":"by","start":281.77002,"end":282.27002,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3927779495716095},{"word":"staying","start":282.57,"end":282.97,"confidence":0.99902344,"punctuated_word":"staying","sentiment":"positive","sentiment_score":0.3832925260066986},{"word":"in","start":282.97,"end":283.05002,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.40713387727737427},{"word":"hub","start":283.05002,"end":283.37003,"confidence":0.6425781,"punctuated_word":"Hub","sentiment":"positive","sentiment_score":0.34963956475257874},{"word":"24","start":283.37003,"end":284.17,"confidence":0.99902344,"punctuated_word":"24","sentiment":"positive","sentiment_score":0.4549182951450348},{"word":"and","start":284.17,"end":284.49002,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.377869576215744},{"word":"changing","start":284.49002,"end":284.99002,"confidence":1.0,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.4014943838119507},{"word":"one","start":285.69,"end":286.17,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3541707396507263},{"word":"investment","start":286.17,"end":286.67,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1934300661087036},{"word":"and","start":287.53,"end":287.77002,"confidence":0.9301758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3100690543651581},{"word":"just","start":287.77002,"end":288.27002,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4062182903289795},{"word":"rebalance","start":288.33002,"end":288.83002,"confidence":0.9983724,"punctuated_word":"rebalance","sentiment":"positive","sentiment_score":0.3837724030017853},{"word":"your","start":289.21002,"end":289.71002,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4679399728775024},{"word":"portfolio","start":289.77002,"end":290.27002,"confidence":0.99609375,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.3429222106933594},{"word":"it","start":291.385,"end":291.625,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6434021592140198},{"word":"will","start":291.625,"end":292.105,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.6414758563041687},{"word":"actually","start":292.105,"end":292.605,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6746158599853516},{"word":"reduce","start":292.665,"end":293.14502,"confidence":1.0,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.4843471348285675},{"word":"your","start":293.14502,"end":293.465,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6912437081336975},{"word":"investment","start":293.465,"end":293.965,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3497500419616699},{"word":"fees","start":294.265,"end":294.765,"confidence":0.96069336,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.6485031843185425},{"word":"which","start":297.14502,"end":297.385,"confidence":0.8803711,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6732779741287231},{"word":"is","start":297.385,"end":297.70502,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6204788684844971},{"word":"which","start":297.70502,"end":297.86502,"confidence":0.99902344,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6242671012878418},{"word":"is","start":297.86502,"end":298.105,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7494032979011536},{"word":"good","start":298.105,"end":298.505,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6155425906181335},{"word":"so","start":298.505,"end":298.745,"confidence":0.8833008,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.5808548927307129},{"word":"basically","start":298.745,"end":299.245,"confidence":1.0,"punctuated_word":"basically,","sentiment":"positive","sentiment_score":0.5506277084350586},{"word":"per","start":299.625,"end":300.025,"confidence":1.0,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.6588335633277893},{"word":"year","start":300.025,"end":300.505,"confidence":0.9951172,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.6534154415130615},{"word":"it","start":300.505,"end":300.665,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6963415145874023},{"word":"will","start":300.665,"end":300.905,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.6825221180915833},{"word":"save","start":300.905,"end":301.225,"confidence":1.0,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.5790711641311646},{"word":"you","start":301.225,"end":301.545,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6510865092277527},{"word":"around","start":301.545,"end":302.045,"confidence":1.0,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.615140974521637},{"word":"$375","start":302.185,"end":304.23,"confidence":0.98967284,"punctuated_word":"$375,","sentiment":"positive","sentiment_score":0.6612876653671265},{"word":"which","start":304.79,"end":305.19,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6263232827186584},{"word":"does","start":305.19,"end":305.43002,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.6772659420967102},{"word":"make","start":305.43002,"end":305.67,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.619361162185669},{"word":"a","start":305.67,"end":305.91,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5410699844360352},{"word":"difference","start":305.91,"end":306.41,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.5827740430831909},{"word":"when","start":306.95,"end":307.19,"confidence":0.67871094,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.44596603512763977},{"word":"you","start":307.19,"end":307.51,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5158716440200806},{"word":"add","start":307.51,"end":307.75,"confidence":1.0,"punctuated_word":"add","sentiment":"positive","sentiment_score":0.4874208271503449},{"word":"up","start":307.75,"end":307.99002,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4762200713157654},{"word":"everything","start":307.99002,"end":308.49002,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.48338377475738525},{"word":"and","start":308.55002,"end":308.79,"confidence":0.46289062,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3514817953109741},{"word":"each","start":308.79,"end":309.03,"confidence":0.99121094,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.3991694152355194},{"word":"year","start":309.03,"end":309.35,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.3674212098121643},{"word":"as","start":309.35,"end":309.51,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3902703821659088},{"word":"well","start":309.51,"end":309.83002,"confidence":0.9904785,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3874523341655731},{"word":"so","start":309.83002,"end":310.07,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6372480392456055},{"word":"it's","start":310.07,"end":310.31,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7280368804931641},{"word":"making","start":310.31,"end":310.55002,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.7506134510040283},{"word":"it","start":310.55002,"end":310.71002,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6986300349235535},{"word":"a","start":310.71002,"end":310.79,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7505477070808411},{"word":"bit","start":310.79,"end":310.95,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.6373530626296997},{"word":"cheaper","start":310.95,"end":311.27002,"confidence":0.9980469,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.6091368794441223},{"word":"for","start":311.27002,"end":311.51,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6802482008934021},{"word":"you","start":311.51,"end":311.75,"confidence":0.9904785,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.6421992182731628},{"word":"which","start":311.75,"end":311.99002,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7168428897857666},{"word":"is","start":311.99002,"end":312.15002,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7708008289337158},{"word":"great","start":312.15002,"end":312.65002,"confidence":0.9951172,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7272648811340332},{"word":"now","start":314.23,"end":314.73,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2349330484867096},{"word":"the","start":314.87,"end":315.37,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16196516156196594},{"word":"the","start":315.51,"end":315.75,"confidence":0.43676758,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14302867650985718},{"word":"biggest","start":315.75,"end":316.15002,"confidence":0.9838867,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.18864601850509644},{"word":"thing","start":316.15002,"end":316.47,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.24979183077812195},{"word":"is","start":316.47,"end":316.79,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16116863489151},{"word":"also","start":316.79,"end":317.19,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19241926074028015},{"word":"when","start":317.19,"end":317.43002,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1858154982328415},{"word":"it","start":317.43002,"end":317.59,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1543808877468109},{"word":"comes","start":317.59,"end":317.91,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.13107003271579742},{"word":"to","start":317.91,"end":317.99002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1736423373222351},{"word":"the","start":317.99002,"end":318.15002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18220080435276031},{"word":"investment","start":318.15002,"end":318.65002,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12568378448486328},{"word":"return","start":318.95,"end":319.45,"confidence":0.9941406,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.15708014369010925},{"word":"so","start":320.165,"end":320.665,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15519708395004272},{"word":"with","start":321.285,"end":321.605,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17848849296569824},{"word":"your","start":321.605,"end":322.005,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2062063217163086},{"word":"current","start":322.005,"end":322.48502,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1434830278158188},{"word":"portfolio","start":322.48502,"end":322.98502,"confidence":0.9885254,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.16437822580337524},{"word":"when","start":324.085,"end":324.48502,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1302427351474762},{"word":"we","start":324.48502,"end":324.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12156027555465698},{"word":"are","start":324.725,"end":325.045,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08288472890853882},{"word":"looking","start":325.045,"end":325.545,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.07763329893350601},{"word":"at","start":325.605,"end":326.105,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08002898097038269},{"word":"a","start":326.725,"end":326.965,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08004982024431229},{"word":"five","start":326.965,"end":327.285,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0681554526090622},{"word":"year","start":327.285,"end":327.765,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08450493961572647},{"word":"time","start":327.765,"end":328.085,"confidence":0.98535156,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05136656388640404},{"word":"frame","start":328.085,"end":328.585,"confidence":0.8498535,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":0.08533211797475815},{"word":"so","start":329.365,"end":329.605,"confidence":0.9921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11041435599327087},{"word":"making","start":329.605,"end":329.925,"confidence":0.9819336,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.10855329036712646},{"word":"sure","start":329.925,"end":330.085,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1140565574169159},{"word":"we","start":330.085,"end":330.245,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10855446755886078},{"word":"obviously","start":330.245,"end":330.565,"confidence":0.9165039,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.08736597001552582},{"word":"consider","start":330.565,"end":330.885,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.06827481836080551},{"word":"a","start":330.885,"end":330.965,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06829903274774551},{"word":"little","start":330.965,"end":331.205,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04618791863322258},{"word":"bit","start":331.205,"end":331.445,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.027966156601905823},{"word":"longer","start":331.445,"end":331.845,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.036955490708351135},{"word":"time","start":331.845,"end":332.085,"confidence":0.9941406,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.030843332409858704},{"word":"frame","start":332.085,"end":332.585,"confidence":0.80029297,"punctuated_word":"frame,","sentiment":"neutral","sentiment_score":0.051901284605264664},{"word":"on","start":333.09,"end":333.59,"confidence":0.99902344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.1270727515220642},{"word":"average","start":333.73,"end":334.23,"confidence":0.9682617,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":0.15590199828147888},{"word":"the","start":334.69,"end":335.01,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21639317274093628},{"word":"current","start":335.01,"end":335.49002,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.1915134638547897},{"word":"portfolio","start":335.49002,"end":335.99002,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1531081199645996},{"word":"that","start":336.05002,"end":336.21,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24543613195419312},{"word":"you're","start":336.21,"end":336.45,"confidence":0.9790039,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2058977484703064},{"word":"invested","start":336.45,"end":336.85,"confidence":0.99609375,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.17907220125198364},{"word":"in","start":336.85,"end":337.35,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2355063110589981},{"word":"has","start":337.97,"end":338.29,"confidence":0.9873047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.19457688927650452},{"word":"performed","start":338.29,"end":338.79,"confidence":1.0,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.27011534571647644},{"word":"at","start":339.17,"end":339.33002,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27394723892211914},{"word":"an","start":339.33002,"end":339.65,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.21180427074432373},{"word":"average","start":339.65,"end":340.15,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.12922266125679016},{"word":"return","start":340.37,"end":340.87,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.26847195625305176},{"word":"of","start":341.01,"end":341.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15995006263256073},{"word":"about","start":341.25,"end":341.65,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.156394362449646},{"word":"6.48%","start":341.65,"end":343.51,"confidence":0.9962891,"punctuated_word":"6.48%.","sentiment":"neutral","sentiment_score":0.16453316807746887},{"word":"now","start":344.61002,"end":345.11002,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.24647511541843417},{"word":"the","start":346.225,"end":346.465,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.299178808927536},{"word":"recommended","start":346.465,"end":346.965,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.3450835943222046},{"word":"now","start":347.185,"end":347.425,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.3188994526863098},{"word":"this","start":347.425,"end":347.585,"confidence":0.98535156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.31190332770347595},{"word":"is","start":347.585,"end":347.665,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26673316955566406},{"word":"all","start":347.665,"end":347.905,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.279904305934906},{"word":"in","start":347.905,"end":348.065,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19025513529777527},{"word":"writing","start":348.065,"end":348.385,"confidence":0.99902344,"punctuated_word":"writing","sentiment":"neutral","sentiment_score":0.1915559023618698},{"word":"for","start":348.385,"end":348.545,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1586756706237793},{"word":"you","start":348.545,"end":348.785,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14632196724414823},{"word":"in","start":348.785,"end":348.865,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1437891721725464},{"word":"the","start":348.865,"end":349.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13579948246479034},{"word":"document","start":349.025,"end":349.425,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11546845734119417},{"word":"later","start":349.425,"end":349.665,"confidence":0.9941406,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.14882762730121613},{"word":"so","start":349.665,"end":349.825,"confidence":0.6088867,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1999826729297638},{"word":"you","start":349.825,"end":349.98502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1955788731575012},{"word":"can","start":349.98502,"end":350.145,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16194377839565277},{"word":"have","start":350.145,"end":350.305,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15552905201911926},{"word":"a","start":350.305,"end":350.465,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1555432677268982},{"word":"have","start":350.465,"end":350.625,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11899891495704652},{"word":"a","start":350.625,"end":350.705,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1209028959274292},{"word":"look","start":350.705,"end":350.945,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10037851333618164},{"word":"through","start":350.945,"end":351.185,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13970936834812164},{"word":"it","start":351.185,"end":351.685,"confidence":0.95581055,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11294443905353546},{"word":"but","start":352.385,"end":352.705,"confidence":0.64453125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18262168765068057},{"word":"the","start":352.705,"end":353.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24472737312316897},{"word":"recommended","start":353.025,"end":353.525,"confidence":0.91137695,"punctuated_word":"recommended,","sentiment":"positive","sentiment_score":0.4103924632072449},{"word":"it","start":354.545,"end":355.025,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5157949328422546},{"word":"has","start":355.025,"end":355.425,"confidence":0.9863281,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4602395296096802},{"word":"performed","start":355.425,"end":355.905,"confidence":0.9980469,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.5260062217712402},{"word":"at","start":355.905,"end":356.225,"confidence":0.8881836,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5945956707000732},{"word":"eleven","start":356.225,"end":356.725,"confidence":1.0,"punctuated_word":"eleven","sentiment":"positive","sentiment_score":0.46328920125961304},{"word":"point","start":356.865,"end":357.365,"confidence":1.0,"punctuated_word":"point","sentiment":"positive","sentiment_score":0.41431576013565063},{"word":"zero","start":357.425,"end":357.905,"confidence":0.99609375,"punctuated_word":"zero","sentiment":"positive","sentiment_score":0.393828809261322},{"word":"six","start":357.905,"end":358.405,"confidence":0.892334,"punctuated_word":"six.","sentiment":"positive","sentiment_score":0.3623813092708587},{"word":"so","start":359.34,"end":359.5,"confidence":0.90234375,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6382579803466797},{"word":"quite","start":359.5,"end":359.9,"confidence":0.9970703,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.7182518243789673},{"word":"a","start":359.9,"end":359.98,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6998904943466187},{"word":"bit","start":359.98,"end":360.22,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.6416441202163696},{"word":"better","start":360.22,"end":360.72,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6724122762680054},{"word":"than","start":361.02002,"end":361.52002,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7439642548561096},{"word":"your","start":361.66,"end":361.9,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7789561152458191},{"word":"current","start":361.9,"end":362.22,"confidence":0.9902344,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.43594908714294434},{"word":"portfolio","start":362.22,"end":362.72,"confidence":0.99609375,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.4622318744659424},{"word":"which","start":362.78,"end":363.02002,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.695308268070221},{"word":"is","start":363.02002,"end":363.18,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7211868762969971},{"word":"great","start":363.18,"end":363.68,"confidence":0.99560547,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.646270751953125},{"word":"now","start":365.98,"end":366.48,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2532937824726105},{"word":"now","start":367.02002,"end":367.52002,"confidence":0.9892578,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.26588675379753113},{"word":"what","start":368.06,"end":368.38,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.24992018938064575},{"word":"i","start":368.38,"end":368.46,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2522003948688507},{"word":"have","start":368.46,"end":368.7,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23638087511062625},{"word":"also","start":368.7,"end":369.02002,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19657599925994873},{"word":"included","start":369.02002,"end":369.5,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.2627314329147339},{"word":"for","start":369.5,"end":369.74,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2019496113061905},{"word":"you","start":369.74,"end":370.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18942373991012573},{"word":"is","start":370.14,"end":370.64,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16540993750095367},{"word":"just","start":370.7,"end":371.02002,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21800777316093445},{"word":"to","start":371.02002,"end":371.34,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21989166736602783},{"word":"kind","start":371.34,"end":371.58002,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16291338205337524},{"word":"of","start":371.58002,"end":371.865,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1898227334022522},{"word":"forecast","start":372.10498,"end":372.60498,"confidence":0.99902344,"punctuated_word":"forecast","sentiment":"neutral","sentiment_score":0.1576729267835617},{"word":"everything","start":372.82498,"end":373.22498,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.16597980260849},{"word":"forward","start":373.22498,"end":373.705,"confidence":0.99316406,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.12034398317337036},{"word":"for","start":373.705,"end":374.025,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1160079836845398},{"word":"five","start":374.025,"end":374.26498,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15006479620933533},{"word":"and","start":374.26498,"end":374.425,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13408668339252472},{"word":"ten","start":374.425,"end":374.82498,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.13839276134967804},{"word":"years","start":374.82498,"end":375.32498,"confidence":0.8930664,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.1308719515800476},{"word":"now","start":375.705,"end":375.94498,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18082574009895325},{"word":"we're","start":375.94498,"end":376.185,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20646774768829343},{"word":"not","start":376.185,"end":376.425,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.12075653672218324},{"word":"making","start":376.425,"end":376.82498,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.12638671696186066},{"word":"any","start":376.82498,"end":377.305,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10170962661504744},{"word":"changes","start":377.305,"end":377.805,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.028219029307365417},{"word":"to","start":378.025,"end":378.26498,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0294639989733696},{"word":"your","start":378.26498,"end":378.76498,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008355267345905304},{"word":"risk","start":379.785,"end":380.025,"confidence":0.58203125,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.15981531143188477},{"word":"tolerance","start":380.025,"end":380.525,"confidence":0.9926758,"punctuated_word":"tolerance.","sentiment":"neutral","sentiment_score":-0.00813063234090805},{"word":"we","start":380.585,"end":380.745,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.176344096660614},{"word":"are","start":380.745,"end":380.985,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1846160590648651},{"word":"keeping","start":380.985,"end":381.305,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.25812405347824097},{"word":"you","start":381.305,"end":381.465,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2502691447734833},{"word":"in","start":381.465,"end":381.625,"confidence":0.87841797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24217617511749268},{"word":"your","start":381.625,"end":381.865,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29210469126701355},{"word":"growth","start":381.865,"end":382.185,"confidence":0.9863281,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1833733469247818},{"word":"portfolio","start":382.185,"end":382.685,"confidence":0.9543457,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.18527860939502716},{"word":"not","start":383.54498,"end":383.785,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.12792259454727173},{"word":"changing","start":383.785,"end":384.26498,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.05143807828426361},{"word":"anything","start":384.26498,"end":384.76498,"confidence":0.99316406,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.11992865055799484},{"word":"there","start":384.905,"end":385.22498,"confidence":0.98779297,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07180630415678024},{"word":"not","start":385.22498,"end":385.38498,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10943422466516496},{"word":"changing","start":385.38498,"end":385.785,"confidence":0.85546875,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.035541221499443054},{"word":"contributions","start":385.785,"end":386.285,"confidence":0.9223633,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.015310294926166534},{"word":"or","start":386.93,"end":387.09,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0774586871266365},{"word":"insurances","start":387.09,"end":387.59,"confidence":0.93147784,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.09094184637069702},{"word":"it","start":388.53,"end":388.77,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.20738697052001953},{"word":"all","start":388.77,"end":388.93,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23480622470378876},{"word":"stays","start":388.93,"end":389.25,"confidence":0.9873047,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.28786998987197876},{"word":"the","start":389.25,"end":389.49,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24623684585094452},{"word":"same","start":389.49,"end":389.81,"confidence":0.98535156,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.2392898201942444},{"word":"so","start":389.81,"end":389.96997,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28838539123535156},{"word":"it","start":389.96997,"end":390.12997,"confidence":0.8720703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3219200670719147},{"word":"is","start":390.12997,"end":390.37,"confidence":0.94140625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3124869763851166},{"word":"literally","start":390.37,"end":390.84998,"confidence":0.9980469,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.2895151376724243},{"word":"changing","start":390.84998,"end":391.34998,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.3433364927768707},{"word":"one","start":391.81,"end":392.12997,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.29072773456573486},{"word":"investment","start":392.12997,"end":392.61,"confidence":0.92749023,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.21034835278987885},{"word":"and","start":392.61,"end":392.77,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2517472207546234},{"word":"that","start":392.77,"end":392.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26706215739250183},{"word":"was","start":392.93,"end":393.16998,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.21364957094192505},{"word":"that","start":393.16998,"end":393.33,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22326156497001648},{"word":"one","start":393.33,"end":393.65,"confidence":0.8132324,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.2403068840503693},{"word":"the","start":393.65,"end":393.72998,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2943720817565918},{"word":"investment","start":393.72998,"end":394.22998,"confidence":0.32617188,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13828052580356598},{"word":"i","start":394.77,"end":394.84998,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2223043292760849},{"word":"mentioned","start":394.84998,"end":395.34998,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.24993932247161865},{"word":"last","start":396.12997,"end":396.53,"confidence":0.9267578,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.22081640362739563},{"word":"time","start":396.53,"end":397.03,"confidence":0.77905273,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.24031341075897217},{"word":"and","start":397.40997,"end":397.72998,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21317555010318756},{"word":"kind","start":397.72998,"end":398.05,"confidence":0.984375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.21417197585105896},{"word":"of","start":398.05,"end":398.28998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2266591489315033},{"word":"just","start":398.28998,"end":398.68997,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18716725707054135},{"word":"rebalance","start":398.68997,"end":399.18997,"confidence":0.9508464,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.1733286678791046},{"word":"your","start":399.40997,"end":399.88998,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34123578667640686},{"word":"portfolio","start":399.88998,"end":400.38998,"confidence":0.9975586,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.23207563161849976},{"word":"and","start":401.07498,"end":401.235,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.42709672451019287},{"word":"what","start":401.235,"end":401.395,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4904851019382477},{"word":"that","start":401.395,"end":401.635,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4658389091491699},{"word":"basically","start":401.635,"end":402.135,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.36035212874412537},{"word":"does","start":402.35498,"end":402.755,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.46697160601615906},{"word":"is","start":402.755,"end":403.07498,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5044708847999573},{"word":"it","start":403.07498,"end":403.235,"confidence":0.8413086,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5895192623138428},{"word":"saves","start":403.235,"end":403.635,"confidence":0.9819336,"punctuated_word":"saves","sentiment":"positive","sentiment_score":0.4790046215057373},{"word":"you","start":403.635,"end":403.715,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5680837035179138},{"word":"a","start":403.715,"end":403.79498,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.604448676109314},{"word":"bit","start":403.79498,"end":404.035,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.579928994178772},{"word":"of","start":404.035,"end":404.195,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6106433868408203},{"word":"fees","start":404.195,"end":404.51498,"confidence":0.984375,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.6025781631469727},{"word":"and","start":404.51498,"end":404.755,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4400922358036041},{"word":"improves","start":404.755,"end":405.235,"confidence":0.9038086,"punctuated_word":"improves","sentiment":"positive","sentiment_score":0.5054758787155151},{"word":"the","start":405.235,"end":405.475,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5418950915336609},{"word":"return","start":405.475,"end":405.975,"confidence":0.9741211,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.5309317111968994},{"word":"and","start":406.675,"end":406.915,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5206403136253357},{"word":"when","start":406.915,"end":407.155,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6129764318466187},{"word":"we","start":407.155,"end":407.315,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.541957676410675},{"word":"are","start":407.315,"end":407.555,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6010597944259644},{"word":"looking","start":407.555,"end":408.035,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.5140115022659302},{"word":"in","start":408.035,"end":408.435,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5266776084899902},{"word":"a","start":408.435,"end":408.675,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5250342488288879},{"word":"five","start":408.675,"end":408.915,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.4399076104164123},{"word":"year","start":408.915,"end":409.395,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.31238076090812683},{"word":"time","start":409.395,"end":409.635,"confidence":0.9863281,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.3319837152957916},{"word":"frame","start":409.635,"end":410.135,"confidence":0.99902344,"punctuated_word":"frame,","sentiment":"positive","sentiment_score":0.4062175750732422},{"word":"it","start":410.595,"end":410.835,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4641231894493103},{"word":"all","start":410.835,"end":411.155,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.46890559792518616},{"word":"adds","start":411.155,"end":411.475,"confidence":0.99902344,"punctuated_word":"adds","sentiment":"positive","sentiment_score":0.5026593208312988},{"word":"up","start":411.475,"end":411.875,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5121619701385498},{"word":"pretty","start":411.875,"end":412.375,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.586479127407074},{"word":"pretty","start":412.595,"end":412.915,"confidence":0.9160156,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5732349753379822},{"word":"quickly","start":412.915,"end":413.415,"confidence":0.76586914,"punctuated_word":"quickly,","sentiment":"positive","sentiment_score":0.5762319564819336},{"word":"and","start":413.955,"end":414.275,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.47105538845062256},{"word":"will","start":414.275,"end":414.51498,"confidence":0.88183594,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5547424554824829},{"word":"make","start":414.51498,"end":414.675,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5575108528137207},{"word":"a","start":414.675,"end":414.835,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5499034523963928},{"word":"difference","start":414.835,"end":415.335,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.5737667679786682},{"word":"of","start":415.395,"end":415.635,"confidence":0.9921875,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5580151081085205},{"word":"around","start":415.635,"end":416.035,"confidence":1.0,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.5001248717308044},{"word":"32,000","start":416.035,"end":417.25,"confidence":0.9748535,"punctuated_word":"32,000,","sentiment":"positive","sentiment_score":0.5475959777832031},{"word":"in","start":417.94998,"end":418.19,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4742217361927033},{"word":"five","start":418.19,"end":418.43,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.5583306550979614},{"word":"years","start":418.43,"end":418.83,"confidence":0.9951172,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.5457916259765625},{"word":"which","start":418.83,"end":419.07,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6873360276222229},{"word":"is","start":419.07,"end":419.31,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6843516230583191},{"word":"pretty","start":419.31,"end":419.55,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.703819751739502},{"word":"good","start":419.55,"end":420.05,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5394049882888794},{"word":"yeah","start":423.22998,"end":423.72998,"confidence":0.92211914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2389535903930664},{"word":"now","start":423.94998,"end":424.35,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22900544106960297},{"word":"what","start":424.35,"end":424.59,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25368326902389526},{"word":"i","start":424.59,"end":424.83,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2503737211227417},{"word":"also","start":424.83,"end":425.15,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19135627150535583},{"word":"have","start":425.15,"end":425.47,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16488568484783173},{"word":"done","start":425.47,"end":425.78998,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2176426947116852},{"word":"for","start":425.78998,"end":426.03,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22027474641799927},{"word":"you","start":426.03,"end":426.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18920370936393735},{"word":"is","start":426.75,"end":427.07,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1627476066350937},{"word":"shown","start":427.07,"end":427.47,"confidence":0.6225586,"punctuated_word":"shown","sentiment":"neutral","sentiment_score":0.22897706925868988},{"word":"you","start":427.47,"end":427.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2229138016700745},{"word":"the","start":427.63,"end":427.78998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18035976588726044},{"word":"returns","start":427.78998,"end":428.28998,"confidence":0.91845703,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.24678918719291687},{"word":"for","start":428.35,"end":428.50998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14680156111717224},{"word":"a","start":428.50998,"end":428.59,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17105266451835632},{"word":"longer","start":428.59,"end":428.99,"confidence":0.9980469,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.12998060882091522},{"word":"period","start":428.99,"end":429.38998,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.18452318012714383},{"word":"of","start":429.38998,"end":429.55,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17121011018753052},{"word":"time","start":429.55,"end":429.78998,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15761536359786987},{"word":"between","start":429.78998,"end":430.11,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.14281350374221802},{"word":"the","start":430.11,"end":430.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16205668449401855},{"word":"two","start":430.27,"end":430.50998,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.13091371953487396},{"word":"portfolios","start":430.50998,"end":431.00998,"confidence":0.78027344,"punctuated_word":"portfolios.","sentiment":"neutral","sentiment_score":0.040226396173238754},{"word":"so","start":431.80502,"end":431.885,"confidence":0.85498047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09060849994421004},{"word":"your","start":431.885,"end":432.125,"confidence":0.91748047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05768509954214096},{"word":"current","start":432.125,"end":432.36502,"confidence":0.98535156,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.037430040538311005},{"word":"one","start":432.36502,"end":432.86502,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.024347923696041107},{"word":"versus","start":433.165,"end":433.565,"confidence":0.9863281,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.07528658211231232},{"word":"the","start":433.565,"end":433.80502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024680085480213165},{"word":"recommended","start":433.80502,"end":434.30502,"confidence":0.7442627,"punctuated_word":"recommended,","sentiment":"neutral","sentiment_score":0.024949893355369568},{"word":"and","start":435.725,"end":436.125,"confidence":0.61279297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01692989096045494},{"word":"i","start":436.125,"end":436.36502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1057671383023262},{"word":"have","start":436.36502,"end":436.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06531868875026703},{"word":"included","start":436.765,"end":437.265,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.15124595165252686},{"word":"a","start":437.325,"end":437.48502,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13852784037590027},{"word":"twelve","start":437.48502,"end":437.80502,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.1012832298874855},{"word":"month","start":437.80502,"end":438.20502,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.10394933074712752},{"word":"period","start":438.20502,"end":438.70502,"confidence":0.96069336,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.09386016428470612},{"word":"a","start":438.92502,"end":439.08502,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1105143278837204},{"word":"three","start":439.08502,"end":439.405,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0816459208726883},{"word":"year","start":439.405,"end":439.905,"confidence":0.99658203,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09616224467754364},{"word":"five","start":440.125,"end":440.445,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.11908823251724245},{"word":"year","start":440.445,"end":440.685,"confidence":0.98999023,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12333069741725922},{"word":"and","start":440.685,"end":441.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09259027242660522},{"word":"ten","start":441.005,"end":441.325,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.13805489242076874},{"word":"year","start":441.325,"end":441.825,"confidence":0.96240234,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16595682501792908},{"word":"so","start":442.045,"end":442.285,"confidence":0.5961914,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10724502801895142},{"word":"you","start":442.285,"end":442.445,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13966263830661774},{"word":"can","start":442.445,"end":442.605,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1090915948152542},{"word":"have","start":442.605,"end":442.765,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09725838154554368},{"word":"a","start":442.765,"end":442.92502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1051037535071373},{"word":"bit","start":442.92502,"end":443.08502,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07406280189752579},{"word":"more","start":443.08502,"end":443.24503,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.106330506503582},{"word":"of","start":443.24503,"end":443.325,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08272615075111389},{"word":"a","start":443.325,"end":443.48502,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10455488413572311},{"word":"comparison","start":443.48502,"end":443.98502,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.1434759795665741},{"word":"between","start":444.20502,"end":444.605,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.07036849856376648},{"word":"them","start":444.605,"end":445.005,"confidence":0.78515625,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.049604255706071854},{"word":"so","start":445.005,"end":445.24503,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22817452251911163},{"word":"not","start":445.24503,"end":445.48502,"confidence":0.68603516,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.16001489758491516},{"word":"just","start":445.48502,"end":445.80502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18158277869224548},{"word":"looking","start":445.80502,"end":446.125,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.19205020368099213},{"word":"at","start":446.125,"end":446.36502,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1789463758468628},{"word":"five","start":446.36502,"end":446.52502,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.141365647315979},{"word":"years","start":446.52502,"end":446.94,"confidence":0.8125,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.15678516030311584},{"word":"and","start":446.94,"end":447.44,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2728594243526459},{"word":"across","start":447.9,"end":448.4,"confidence":0.9902344,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.4489189088344574},{"word":"all","start":448.46,"end":448.86002,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.43621668219566345},{"word":"time","start":448.86002,"end":449.1,"confidence":0.99121094,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2842943072319031},{"word":"frames","start":449.1,"end":449.5,"confidence":0.9187012,"punctuated_word":"frames,","sentiment":"positive","sentiment_score":0.4002615511417389},{"word":"the","start":449.5,"end":449.66,"confidence":0.94628906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.625130295753479},{"word":"twelve","start":449.66,"end":449.98,"confidence":1.0,"punctuated_word":"twelve","sentiment":"positive","sentiment_score":0.5831372737884521},{"word":"months","start":449.98,"end":450.3,"confidence":0.84277344,"punctuated_word":"months,","sentiment":"positive","sentiment_score":0.517504870891571},{"word":"three","start":450.3,"end":450.54,"confidence":0.99902344,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.49824589490890503},{"word":"years","start":450.54,"end":451.02,"confidence":0.99072266,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.5099422931671143},{"word":"five","start":451.02,"end":451.42,"confidence":0.80200195,"punctuated_word":"five,","sentiment":"positive","sentiment_score":0.4239662289619446},{"word":"and","start":451.42,"end":451.82,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.433108389377594},{"word":"ten","start":451.82,"end":452.22,"confidence":0.9921875,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.4108617901802063},{"word":"years","start":452.22,"end":452.72,"confidence":0.96875,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.4576813280582428},{"word":"the","start":453.1,"end":453.42,"confidence":0.9394531,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7049330472946167},{"word":"recommended","start":453.42,"end":453.92,"confidence":0.97802734,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.7083074450492859},{"word":"has","start":453.98,"end":454.3,"confidence":0.9970703,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.639508068561554},{"word":"outperformed","start":454.3,"end":454.8,"confidence":0.9980469,"punctuated_word":"outperformed","sentiment":"positive","sentiment_score":0.5804990530014038},{"word":"your","start":454.94,"end":455.1,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7038778066635132},{"word":"current","start":455.1,"end":455.42,"confidence":0.9951172,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.4555179178714752},{"word":"one","start":455.42,"end":455.66,"confidence":0.99609375,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5653851628303528},{"word":"in","start":455.66,"end":455.9,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5441085696220398},{"word":"each","start":455.9,"end":456.06,"confidence":1.0,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.6088207364082336},{"word":"of","start":456.06,"end":456.22,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4686597883701325},{"word":"those","start":456.22,"end":456.54,"confidence":0.99316406,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4881379008293152},{"word":"scenarios","start":456.54,"end":457.04,"confidence":0.9897461,"punctuated_word":"scenarios,","sentiment":"positive","sentiment_score":0.408053994178772},{"word":"which","start":457.1,"end":457.34,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6712769865989685},{"word":"again","start":457.34,"end":457.66,"confidence":0.50390625,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.6437792181968689},{"word":"is","start":457.66,"end":457.82,"confidence":0.91015625,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7814188003540039},{"word":"really","start":457.82,"end":458.06,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8025978207588196},{"word":"good","start":458.06,"end":458.56,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7247395515441895},{"word":"does","start":461.51498,"end":461.75497,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"positive","sentiment_score":0.37988439202308655},{"word":"that","start":461.75497,"end":461.835,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5085951685905457},{"word":"make","start":461.835,"end":462.07498,"confidence":0.99609375,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4413263499736786},{"word":"sense","start":462.07498,"end":462.31497,"confidence":1.0,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.3786293864250183},{"word":"so","start":462.31497,"end":462.47498,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.46058616042137146},{"word":"far","start":462.47498,"end":462.97498,"confidence":1.0,"punctuated_word":"far?","sentiment":"positive","sentiment_score":0.35057276487350464},{"word":"yes","start":465.51498,"end":466.01498,"confidence":0.9916992,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17713774740695953},{"word":"now","start":466.395,"end":466.895,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13371102511882782},{"word":"when","start":467.19498,"end":467.35498,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20781618356704712},{"word":"it","start":467.35498,"end":467.51498,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09990954399108888},{"word":"comes","start":467.51498,"end":467.75497,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.09077320992946623},{"word":"to","start":467.75497,"end":467.91498,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08605869114398956},{"word":"the","start":467.91498,"end":468.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0723179429769516},{"word":"investment","start":468.155,"end":468.655,"confidence":0.9951172,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.07365360856056213},{"word":"like","start":468.955,"end":469.19498,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1641542911529541},{"word":"i","start":469.19498,"end":469.35498,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1352090686559677},{"word":"said","start":469.35498,"end":469.59497,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.15295448899269104},{"word":"last","start":469.59497,"end":469.835,"confidence":0.98535156,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11363419890403748},{"word":"time","start":469.835,"end":470.155,"confidence":0.99853516,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.10744728147983552},{"word":"it","start":470.155,"end":470.31497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11796660721302032},{"word":"is","start":470.31497,"end":470.79498,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11912520229816435},{"word":"switching","start":470.79498,"end":471.275,"confidence":1.0,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.1741985380649567},{"word":"your","start":471.275,"end":471.51498,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14904068410396576},{"word":"benelon","start":471.51498,"end":472.01498,"confidence":0.87076825,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":0.1221175342798233},{"word":"concentrated","start":472.31497,"end":472.81497,"confidence":0.63623047,"punctuated_word":"concentrated","sentiment":"neutral","sentiment_score":0.08426415920257568},{"word":"equity","start":472.955,"end":473.455,"confidence":0.86499023,"punctuated_word":"equity,","sentiment":"neutral","sentiment_score":0.11952921748161316},{"word":"and","start":475.11002,"end":475.35,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10970747470855712},{"word":"it's","start":475.35,"end":475.85,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1258444786071777},{"word":"swapping","start":475.91,"end":476.39,"confidence":1.0,"punctuated_word":"swapping","sentiment":"neutral","sentiment_score":0.13290303945541382},{"word":"it","start":476.39,"end":476.71,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10062375664711},{"word":"for","start":476.71,"end":477.21,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09948135167360306},{"word":"a","start":477.35,"end":477.59,"confidence":0.84277344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1408788561820984},{"word":"beta","start":477.59,"end":478.07,"confidence":0.56933594,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.1300961971282959},{"word":"shares","start":478.07,"end":478.57,"confidence":0.9633789,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.10192640125751495},{"word":"australia","start":478.87,"end":479.37,"confidence":0.98095703,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.15364772081375122},{"word":"200","start":479.67,"end":480.57,"confidence":0.9851074,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.12942834198474884},{"word":"so","start":481.51,"end":482.01,"confidence":0.9279785,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.12012757360935213},{"word":"basically","start":482.23,"end":482.73,"confidence":1.0,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.10848771035671234},{"word":"how","start":482.79,"end":482.95,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0973477065563202},{"word":"they're","start":482.95,"end":483.19,"confidence":0.9980469,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.08398976176977158},{"word":"different","start":483.19,"end":483.59,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.033428117632865906},{"word":"is","start":483.59,"end":483.83002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06576606631278992},{"word":"because","start":483.83002,"end":484.23,"confidence":0.89208984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05267620459198952},{"word":"if","start":484.23,"end":484.39,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08944892883300781},{"word":"we're","start":484.39,"end":484.63,"confidence":0.8786621,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07966835051774979},{"word":"looking","start":484.63,"end":484.95,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0876707136631012},{"word":"at","start":484.95,"end":485.19,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06295285373926163},{"word":"changing","start":485.19,"end":485.69,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.07165849208831787},{"word":"one","start":485.83002,"end":486.33002,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0029792562127113342},{"word":"australian","start":486.47,"end":486.97,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.01249837875366211},{"word":"investment","start":487.19,"end":487.69,"confidence":0.9951172,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.04405466467142105},{"word":"we","start":488.335,"end":488.575,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1006588414311409},{"word":"wanna","start":488.575,"end":488.895,"confidence":0.9941406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17961743474006653},{"word":"make","start":488.895,"end":489.135,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11705095320940018},{"word":"sure","start":489.135,"end":489.375,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10859206318855286},{"word":"we","start":489.375,"end":489.535,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14138898253440857},{"word":"then","start":489.535,"end":489.775,"confidence":0.9941406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13946913182735443},{"word":"look","start":489.775,"end":490.01498,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0919233113527298},{"word":"at","start":490.01498,"end":490.175,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06181629002094269},{"word":"an","start":490.175,"end":490.495,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.059756167232990265},{"word":"alternative","start":490.495,"end":490.995,"confidence":0.99902344,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.04253391921520233},{"word":"option","start":491.375,"end":491.775,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.03333903104066849},{"word":"that","start":491.775,"end":492.01498,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07284820079803467},{"word":"is","start":492.01498,"end":492.255,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06432390958070755},{"word":"pretty","start":492.255,"end":492.735,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.13074862957000732},{"word":"similar","start":492.735,"end":493.235,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.1104634255170822},{"word":"because","start":493.775,"end":494.175,"confidence":0.75439453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1285562515258789},{"word":"we","start":494.175,"end":494.415,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19381536543369293},{"word":"wanna","start":494.415,"end":494.735,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28953325748443604},{"word":"make","start":494.735,"end":494.895,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1932820975780487},{"word":"sure","start":494.895,"end":495.215,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1808878779411316},{"word":"you","start":495.215,"end":495.535,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22613060474395752},{"word":"maintain","start":495.535,"end":496.035,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.21902847290039065},{"word":"your","start":496.175,"end":496.575,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19863465428352356},{"word":"diversification","start":496.575,"end":497.075,"confidence":1.0,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.1332916021347046},{"word":"we","start":497.615,"end":497.775,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.019301608204841617},{"word":"don't","start":497.775,"end":498.01498,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0337173193693161},{"word":"want","start":498.01498,"end":498.335,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.05085686594247818},{"word":"everything","start":498.335,"end":498.815,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.05257052183151245},{"word":"in","start":498.815,"end":498.975,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14489023387432098},{"word":"the","start":498.975,"end":499.215,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08795022964477539},{"word":"us","start":499.215,"end":499.615,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.17355215549468994},{"word":"or","start":499.615,"end":500.04,"confidence":0.9614258,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11071421951055528},{"word":"everything","start":500.44,"end":500.92,"confidence":0.9980469,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.053940191864967346},{"word":"in","start":500.92,"end":501.24002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12059891223907472},{"word":"asia","start":501.24002,"end":501.56,"confidence":0.99902344,"punctuated_word":"Asia","sentiment":"neutral","sentiment_score":-0.05716148018836975},{"word":"or","start":501.56,"end":501.72,"confidence":0.73828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11246102303266524},{"word":"everything","start":501.72,"end":502.04,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.033912934362888336},{"word":"in","start":502.04,"end":502.28,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0796758309006691},{"word":"europe","start":502.28,"end":502.68002,"confidence":0.97021484,"punctuated_word":"Europe.","sentiment":"neutral","sentiment_score":-0.05576854944229126},{"word":"we","start":502.68002,"end":502.92,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09888501465320589},{"word":"wanna","start":502.92,"end":503.24002,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.23231452703475952},{"word":"make","start":503.24002,"end":503.4,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23039087653160095},{"word":"sure","start":503.4,"end":503.64,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.25618380308151245},{"word":"we","start":503.64,"end":503.80002,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2550303637981415},{"word":"keep","start":503.80002,"end":504.04,"confidence":0.97998047,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.32196158170700073},{"word":"things","start":504.04,"end":504.36002,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.29453229904174805},{"word":"diversified","start":504.36002,"end":504.86002,"confidence":0.9425456,"punctuated_word":"diversified.","sentiment":"neutral","sentiment_score":0.24980168044567108},{"word":"so","start":505.16,"end":505.32,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0730305165052414},{"word":"we","start":505.32,"end":505.4,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0443713404238224},{"word":"were","start":505.4,"end":505.64,"confidence":0.7758789,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.025371231138706207},{"word":"then","start":505.64,"end":505.80002,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1120714396238327},{"word":"okay","start":505.80002,"end":506.12,"confidence":0.6923828,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06389524787664413},{"word":"well","start":506.12,"end":506.36002,"confidence":0.7680664,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.027537403628230095},{"word":"if","start":506.36002,"end":506.52002,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06499896198511124},{"word":"we","start":506.52002,"end":506.68002,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.055061373859643936},{"word":"take","start":506.68002,"end":506.92,"confidence":0.99609375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.11329224705696106},{"word":"away","start":506.92,"end":507.42,"confidence":0.99902344,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.10704058408737184},{"word":"australia","start":507.48,"end":507.98,"confidence":0.9970703,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":-0.09705477952957152},{"word":"what","start":508.6,"end":508.84,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10221624374389648},{"word":"can","start":508.84,"end":509.0,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.080354243516922},{"word":"we","start":509.0,"end":509.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.058337289839982986},{"word":"look","start":509.16,"end":509.32,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.09914662688970566},{"word":"at","start":509.32,"end":509.72,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09461777657270432},{"word":"replacing","start":509.72,"end":510.22,"confidence":0.9921875,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.07773233205080032},{"word":"it","start":510.44,"end":510.94,"confidence":0.9904785,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.06276954710483551},{"word":"now","start":511.88,"end":512.38,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.006446365267038345},{"word":"the","start":512.60004,"end":513.10004,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02147780731320381},{"word":"betashares","start":513.745,"end":514.245,"confidence":0.8093262,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.13478796184062958},{"word":"australia","start":514.46497,"end":514.96497,"confidence":0.99902344,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.15880273282527924},{"word":"two","start":515.185,"end":515.425,"confidence":0.9902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1315915286540985},{"word":"hundred","start":515.425,"end":515.90497,"confidence":0.9951172,"punctuated_word":"hundred,","sentiment":"neutral","sentiment_score":0.09155063331127168},{"word":"it","start":515.90497,"end":516.14496,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12031957507133484},{"word":"is","start":516.14496,"end":516.305,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10117173194885254},{"word":"a","start":516.305,"end":516.38495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12021774053573608},{"word":"little","start":516.38495,"end":516.625,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12115772813558578},{"word":"bit","start":516.625,"end":516.785,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.101156085729599},{"word":"more","start":516.785,"end":517.185,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0872032642364502},{"word":"simplified","start":517.185,"end":517.685,"confidence":0.99902344,"punctuated_word":"simplified","sentiment":"neutral","sentiment_score":0.20173174142837524},{"word":"investment","start":517.82495,"end":518.32495,"confidence":0.84887695,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.12051178514957428},{"word":"and","start":519.105,"end":519.605,"confidence":0.67822266,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15875792503356934},{"word":"what","start":519.82495,"end":520.06494,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14665789902210236},{"word":"it","start":520.06494,"end":520.305,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14665836095809937},{"word":"is","start":520.305,"end":520.805,"confidence":0.9802246,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.1502956598997116},{"word":"it","start":520.865,"end":521.105,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.157575786113739},{"word":"basically","start":521.105,"end":521.605,"confidence":0.99121094,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.13634829223155975},{"word":"invests","start":521.90497,"end":522.40497,"confidence":0.8256836,"punctuated_word":"invests","sentiment":"neutral","sentiment_score":0.135337695479393},{"word":"in","start":522.625,"end":523.105,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17945091426372528},{"word":"the","start":523.105,"end":523.50494,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18215325474739075},{"word":"200","start":523.50494,"end":524.32495,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.22264033555984497},{"word":"largest","start":524.38495,"end":524.88495,"confidence":0.99902344,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.18774627149105072},{"word":"company","start":525.185,"end":525.685,"confidence":0.90478516,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.12615808844566345},{"word":"listed","start":526.55,"end":527.02997,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.1789674013853073},{"word":"in","start":527.02997,"end":527.52997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1327025294303894},{"word":"australia","start":527.58997,"end":528.08997,"confidence":0.99609375,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.16329361498355863},{"word":"so","start":528.31,"end":528.55,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19334794580936432},{"word":"within","start":528.55,"end":529.02997,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.23619705438613892},{"word":"one","start":529.02997,"end":529.35,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.23682302236557007},{"word":"single","start":529.35,"end":529.85,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.21022003889083865},{"word":"investment","start":529.91,"end":530.41,"confidence":0.9975586,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.1533619463443756},{"word":"you","start":531.11,"end":531.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2586580216884613},{"word":"will","start":531.35,"end":531.58997,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2505236268043518},{"word":"be","start":531.58997,"end":531.75,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.228789284825325},{"word":"invested","start":531.75,"end":532.25,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.1580708622932434},{"word":"in","start":532.39,"end":532.70996,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18585583567619324},{"word":"200","start":532.70996,"end":533.51,"confidence":0.9975586,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.2670171558856964},{"word":"companies","start":533.51,"end":534.01,"confidence":0.7763672,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.17333146929740906},{"word":"so","start":535.27,"end":535.51,"confidence":0.8769531,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2741192877292633},{"word":"basically","start":535.51,"end":535.99,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.28534647822380066},{"word":"what","start":535.99,"end":536.23,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2784668803215027},{"word":"that","start":536.23,"end":536.39,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2433725148439407},{"word":"means","start":536.39,"end":536.87,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1796550452709198},{"word":"is","start":536.87,"end":537.11,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2846840023994446},{"word":"that","start":537.11,"end":537.61,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23836632072925568},{"word":"as","start":537.99,"end":538.39,"confidence":0.9614258,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25418365001678467},{"word":"a","start":538.39,"end":538.55,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2643183469772339},{"word":"company","start":538.55,"end":539.05,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.1606353521347046},{"word":"might","start":539.19,"end":539.51,"confidence":0.98535156,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.23283788561820984},{"word":"grow","start":539.51,"end":539.75,"confidence":0.99902344,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.24861468374729156},{"word":"and","start":539.75,"end":539.99,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18780790269374847},{"word":"get","start":539.99,"end":540.23,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22130104899406433},{"word":"big","start":540.23,"end":540.63,"confidence":0.9980469,"punctuated_word":"big,","sentiment":"neutral","sentiment_score":0.24183553457260132},{"word":"it","start":540.63,"end":540.79,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2655133306980133},{"word":"gets","start":540.79,"end":541.11,"confidence":0.9980469,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.23513737320899963},{"word":"added","start":541.11,"end":541.395,"confidence":1.0,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.22662223875522616},{"word":"to","start":541.395,"end":541.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21113216876983645},{"word":"the","start":541.635,"end":541.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21448947489261627},{"word":"200","start":541.875,"end":542.615,"confidence":0.96447754,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.2320425510406494},{"word":"as","start":542.995,"end":543.23505,"confidence":0.9951172,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.19155913591384888},{"word":"a","start":543.23505,"end":543.395,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21016883850097656},{"word":"smaller","start":543.395,"end":543.875,"confidence":1.0,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.12957707047462463},{"word":"company","start":543.875,"end":544.35504,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.10994291305541992},{"word":"then","start":544.35504,"end":544.59503,"confidence":0.7661133,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13030824065208435},{"word":"kinda","start":544.59503,"end":544.91504,"confidence":0.5019531,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.05912422016263008},{"word":"falls","start":544.91504,"end":545.23505,"confidence":0.9970703,"punctuated_word":"falls","sentiment":"neutral","sentiment_score":0.12062092125415802},{"word":"off","start":545.23505,"end":545.555,"confidence":0.9802246,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.10389886796474455},{"word":"it","start":545.555,"end":545.715,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2174314558506012},{"word":"comes","start":545.715,"end":546.03503,"confidence":0.9951172,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.16808933019638062},{"word":"out","start":546.03503,"end":546.435,"confidence":0.98168945,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.15222814679145813},{"word":"so","start":546.435,"end":546.67505,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30246978998184204},{"word":"it","start":546.67505,"end":546.835,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.44265955686569214},{"word":"will","start":546.835,"end":546.995,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4347866773605346},{"word":"be","start":546.995,"end":547.23505,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4850529730319977},{"word":"a","start":547.23505,"end":547.315,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.49075907468795776},{"word":"little","start":547.315,"end":547.555,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.299488365650177},{"word":"bit","start":547.555,"end":548.03503,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.32310956716537476},{"word":"smoother","start":548.03503,"end":548.53503,"confidence":0.9951172,"punctuated_word":"smoother","sentiment":"positive","sentiment_score":0.4103415608406067},{"word":"because","start":548.67505,"end":549.075,"confidence":0.99902344,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.4465281665325165},{"word":"of","start":549.075,"end":549.155,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.49580103158950806},{"word":"it","start":549.155,"end":549.655,"confidence":0.9562988,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3827397227287293},{"word":"and","start":550.195,"end":550.59503,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.32716941833496094},{"word":"because","start":550.59503,"end":550.995,"confidence":0.98535156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.23567697405815125},{"word":"it","start":550.995,"end":551.23505,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35279983282089233},{"word":"is","start":551.23505,"end":551.555,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3491513133049011},{"word":"tracking","start":551.555,"end":552.055,"confidence":1.0,"punctuated_word":"tracking","sentiment":"positive","sentiment_score":0.4088417589664459},{"word":"the","start":552.115,"end":552.35504,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4715754985809326},{"word":"200","start":552.35504,"end":553.17505,"confidence":0.99316406,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.46349143981933594},{"word":"largest","start":553.23505,"end":553.715,"confidence":0.53552246,"punctuated_word":"largest,","sentiment":"positive","sentiment_score":0.3624033927917481},{"word":"so","start":553.715,"end":553.875,"confidence":0.9716797,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3151074945926666},{"word":"you","start":553.875,"end":554.03503,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43075770139694214},{"word":"have","start":554.03503,"end":554.195,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42537567019462585},{"word":"all","start":554.195,"end":554.35504,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4208325445652008},{"word":"your","start":554.35504,"end":554.755,"confidence":0.9970703,"punctuated_word":"your,","sentiment":"positive","sentiment_score":0.3911763429641723},{"word":"you","start":554.755,"end":554.835,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34646978974342346},{"word":"know","start":554.835,"end":554.995,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3475814461708069},{"word":"your","start":554.995,"end":555.315,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4841035008430481},{"word":"banks","start":555.315,"end":555.79504,"confidence":0.8984375,"punctuated_word":"banks,","sentiment":"positive","sentiment_score":0.4055803716182709},{"word":"the","start":555.79504,"end":556.115,"confidence":0.6870117,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4787597060203552},{"word":"bhp","start":556.115,"end":556.615,"confidence":0.87141925,"punctuated_word":"BHP,","sentiment":"positive","sentiment_score":0.36395829916000366},{"word":"woolworths","start":556.755,"end":557.255,"confidence":0.9248047,"punctuated_word":"Woolworths,","sentiment":"positive","sentiment_score":0.402994841337204},{"word":"all","start":557.45,"end":557.52997,"confidence":0.9941406,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4673796594142914},{"word":"the","start":557.52997,"end":557.77,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.456770122051239},{"word":"big","start":557.77,"end":557.85,"confidence":0.9951172,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.5021675229072571},{"word":"companies","start":557.85,"end":558.35,"confidence":1.0,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.4768155813217163},{"word":"in","start":558.41,"end":558.57,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.43976134061813354},{"word":"australia","start":558.57,"end":559.07,"confidence":0.70288086,"punctuated_word":"Australia,","sentiment":"positive","sentiment_score":0.4630128145217895},{"word":"so","start":559.21,"end":559.45,"confidence":0.7114258,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4165143370628357},{"word":"very","start":559.45,"end":559.69,"confidence":0.98828125,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6848047971725464},{"word":"well","start":559.69,"end":560.01,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.662701427936554},{"word":"established","start":560.01,"end":560.51,"confidence":0.95043945,"punctuated_word":"established.","sentiment":"positive","sentiment_score":0.5898438692092896},{"word":"it","start":562.97,"end":563.21,"confidence":0.87158203,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5025904178619385},{"word":"will","start":563.21,"end":563.61,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5462232828140259},{"word":"be","start":563.61,"end":563.85,"confidence":0.9951172,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5849636793136597},{"word":"a","start":563.85,"end":564.08997,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6190047860145569},{"word":"bit","start":564.08997,"end":564.57,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5354496240615845},{"word":"cheaper","start":564.57,"end":565.07,"confidence":0.93774414,"punctuated_word":"cheaper,","sentiment":"positive","sentiment_score":0.539851188659668},{"word":"and","start":565.29,"end":565.45,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4552862346172333},{"word":"that's","start":565.45,"end":565.69,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4971153736114502},{"word":"why","start":565.69,"end":566.01,"confidence":1.0,"punctuated_word":"why","sentiment":"positive","sentiment_score":0.41054394841194153},{"word":"the","start":566.01,"end":566.25,"confidence":0.67578125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5642405152320862},{"word":"fee","start":566.25,"end":566.57,"confidence":0.9838867,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.6265121102333069},{"word":"saving","start":566.57,"end":567.05,"confidence":0.75,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.48372817039489746},{"word":"for","start":567.05,"end":567.29,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5530753135681152},{"word":"you","start":567.29,"end":567.69,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5441816449165344},{"word":"than","start":567.69,"end":568.01,"confidence":0.73046875,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4058186411857605},{"word":"benelung","start":568.01,"end":568.51,"confidence":0.66986084,"punctuated_word":"Benelung.","sentiment":"positive","sentiment_score":0.4063509702682495},{"word":"because","start":569.05,"end":569.37,"confidence":0.99902344,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08874715864658356},{"word":"i","start":569.37,"end":569.52997,"confidence":0.8803711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04684422165155411},{"word":"don't","start":569.52997,"end":569.77,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05023103579878807},{"word":"know","start":569.77,"end":569.93,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07136671245098114},{"word":"if","start":569.93,"end":570.08997,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.015672117471694946},{"word":"you","start":570.08997,"end":570.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0023397505283355713},{"word":"remember","start":570.33,"end":570.83,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.014670513570308684},{"word":"with","start":570.97,"end":571.13,"confidence":0.45263672,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03665115311741829},{"word":"benelung","start":571.13,"end":571.63,"confidence":0.97998047,"punctuated_word":"Benelung,","sentiment":"neutral","sentiment_score":0.008424213156104088},{"word":"it's","start":572.375,"end":572.695,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.028786828741431236},{"word":"kind","start":572.695,"end":572.77496,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0015675872564315796},{"word":"of","start":572.77496,"end":573.01495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02103489637374878},{"word":"a","start":573.01495,"end":573.095,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01977088302373886},{"word":"little","start":573.095,"end":573.33496,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02522578462958336},{"word":"bit","start":573.33496,"end":573.575,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02023080736398697},{"word":"more","start":573.575,"end":573.815,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.003680434077978134},{"word":"of","start":573.815,"end":574.055,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02844240888953209},{"word":"that","start":574.055,"end":574.21497,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03193128481507301},{"word":"they","start":574.21497,"end":574.45496,"confidence":0.6464844,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05120693892240524},{"word":"are","start":574.45496,"end":574.855,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.044335998594760895},{"word":"actively","start":574.855,"end":575.355,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.11107918620109558},{"word":"buying","start":575.575,"end":576.055,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.07946792989969254},{"word":"and","start":576.055,"end":576.375,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030131205916404724},{"word":"selling","start":576.375,"end":576.875,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.03442521393299103},{"word":"a","start":576.935,"end":577.095,"confidence":0.9428711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06677979230880737},{"word":"little","start":577.095,"end":577.33496,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.019479408860206604},{"word":"bit","start":577.33496,"end":577.495,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02144283801317215},{"word":"more","start":577.495,"end":577.815,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.011545099318027496},{"word":"frequently","start":577.815,"end":578.315,"confidence":0.8491211,"punctuated_word":"frequently","sentiment":"neutral","sentiment_score":0.057071954011917114},{"word":"in","start":578.45496,"end":578.535,"confidence":0.7993164,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02952408790588379},{"word":"order","start":578.535,"end":578.855,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.007269084453582764},{"word":"to","start":578.855,"end":579.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05976187437772751},{"word":"try","start":579.175,"end":579.575,"confidence":0.9970703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.10415250062942503},{"word":"to","start":579.575,"end":579.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10028082132339478},{"word":"outperform","start":579.815,"end":580.315,"confidence":0.9970703,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.1435713768005371},{"word":"the","start":580.375,"end":580.535,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13537538051605225},{"word":"market","start":580.535,"end":581.035,"confidence":0.98461914,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.10329779982566832},{"word":"and","start":581.735,"end":581.89496,"confidence":0.5024414,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.010477617383003237},{"word":"because","start":581.89496,"end":582.21497,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.018411673605442047},{"word":"of","start":582.21497,"end":582.375,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00989505648612976},{"word":"that","start":582.375,"end":582.535,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.008710704743862152},{"word":"there's","start":582.535,"end":582.855,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06169237196445465},{"word":"kind","start":582.855,"end":583.01495,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07806957513093948},{"word":"of","start":583.01495,"end":583.095,"confidence":0.83081055,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.08930462598800659},{"word":"like","start":583.095,"end":583.33496,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12458987534046172},{"word":"more","start":583.33496,"end":583.575,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1582842916250229},{"word":"research","start":583.575,"end":584.055,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.12208308279514311},{"word":"and","start":584.055,"end":584.21497,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19222065806388855},{"word":"stuff","start":584.21497,"end":584.45496,"confidence":0.99316406,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.12915155291557312},{"word":"that","start":584.45496,"end":584.615,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10787070542573927},{"word":"goes","start":584.615,"end":584.855,"confidence":0.9980469,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.08846861869096756},{"word":"into","start":584.855,"end":585.255,"confidence":0.98291016,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.12073105573654176},{"word":"the","start":585.255,"end":585.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11509260535240172},{"word":"investment","start":585.495,"end":585.995,"confidence":0.96240234,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.08357638120651245},{"word":"which","start":586.055,"end":586.21497,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.146621972322464},{"word":"makes","start":586.21497,"end":586.45496,"confidence":1.0,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.15383616089820862},{"word":"it","start":586.45496,"end":586.615,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16110506653785706},{"word":"a","start":586.615,"end":586.695,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16667968034744263},{"word":"little","start":586.695,"end":586.935,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.16148033738136292},{"word":"bit","start":586.935,"end":587.095,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2114754021167755},{"word":"more","start":587.095,"end":587.415,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.23284444212913513},{"word":"expensive","start":587.415,"end":587.915,"confidence":0.98999023,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.10803627222776412},{"word":"but","start":588.75,"end":589.07,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06883461773395538},{"word":"if","start":589.07,"end":589.31,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1135123074054718},{"word":"that's","start":589.31,"end":589.55005,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.22579699754714969},{"word":"not","start":589.55005,"end":589.95,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.38246145844459534},{"word":"performing","start":589.95,"end":590.45,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.20543831586837769},{"word":"as","start":590.59,"end":590.83,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.26535356044769287},{"word":"well","start":590.83,"end":591.23004,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.26076436042785645},{"word":"anymore","start":591.23004,"end":591.73004,"confidence":0.9970703,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.18731525540351868},{"word":"then","start":592.11005,"end":592.61005,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.13898004591464996},{"word":"you","start":592.67004,"end":592.91003,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15366598963737488},{"word":"don't","start":592.91003,"end":593.07,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12437053769826888},{"word":"wanna","start":593.07,"end":593.39,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.14905276894569397},{"word":"be","start":593.39,"end":593.63,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15306219458580017},{"word":"paying","start":593.63,"end":593.95,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.27856919169425964},{"word":"a","start":593.95,"end":594.11005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2282332181930542},{"word":"little","start":594.11005,"end":594.27,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.18834170699119568},{"word":"bit","start":594.27,"end":594.43,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1935116946697235},{"word":"more","start":594.43,"end":594.67004,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.18705424666404724},{"word":"for","start":594.67004,"end":594.91003,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14574182033538818},{"word":"an","start":594.91003,"end":595.07,"confidence":0.9526367,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.12498199194669724},{"word":"investment","start":595.07,"end":595.57,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.15110298991203308},{"word":"unless","start":596.19,"end":596.51,"confidence":0.8144531,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.07804517447948456},{"word":"they're","start":596.51,"end":596.75,"confidence":0.90966797,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07103905826807022},{"word":"giving","start":596.75,"end":597.07,"confidence":0.9951172,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2059827446937561},{"word":"you","start":597.07,"end":597.23004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1342538595199585},{"word":"then","start":597.23004,"end":597.47003,"confidence":0.88671875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18439710140228271},{"word":"higher","start":597.47003,"end":597.71,"confidence":0.9873047,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.1599234789609909},{"word":"return","start":597.71,"end":598.21,"confidence":0.99902344,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4003267288208008},{"word":"as","start":598.35004,"end":598.51,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21114017069339752},{"word":"a","start":598.51,"end":598.59,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15518580377101898},{"word":"result","start":598.59,"end":599.09,"confidence":0.9995117,"punctuated_word":"result.","sentiment":"neutral","sentiment_score":0.0929482728242874},{"word":"does","start":599.15,"end":599.39,"confidence":1.0,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08446789532899857},{"word":"that","start":599.39,"end":599.55005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11318092793226242},{"word":"make","start":599.55005,"end":599.71,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08786016702651978},{"word":"sense","start":599.71,"end":600.21,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07819285243749619},{"word":"yes","start":602.845,"end":603.345,"confidence":0.98168945,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2894936501979828},{"word":"so","start":603.485,"end":603.725,"confidence":0.89575195,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.3703034818172455},{"word":"basically","start":603.725,"end":604.20496,"confidence":1.0,"punctuated_word":"basically,","sentiment":"positive","sentiment_score":0.3420140743255615},{"word":"the","start":604.20496,"end":604.365,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4811263978481293},{"word":"beta","start":604.365,"end":604.76495,"confidence":0.63427734,"punctuated_word":"beta","sentiment":"positive","sentiment_score":0.5294108390808105},{"word":"shares","start":604.76495,"end":605.08496,"confidence":0.5776367,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.35742253065109253},{"word":"australia","start":605.08496,"end":605.58496,"confidence":0.94384766,"punctuated_word":"Australia","sentiment":"positive","sentiment_score":0.5065857172012329},{"word":"is","start":606.925,"end":607.245,"confidence":0.97265625,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37802833318710327},{"word":"cheaper","start":607.245,"end":607.64496,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.4655788540840149},{"word":"for","start":607.64496,"end":607.805,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4797741770744324},{"word":"you","start":607.805,"end":608.20496,"confidence":0.94750977,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4094753861427307},{"word":"but","start":608.20496,"end":608.44495,"confidence":0.79418945,"punctuated_word":"but,","sentiment":"positive","sentiment_score":0.3342493772506714},{"word":"also","start":608.44495,"end":608.845,"confidence":0.9995117,"punctuated_word":"also,","sentiment":"positive","sentiment_score":0.43871766328811646},{"word":"as","start":608.845,"end":609.00494,"confidence":0.9970703,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5867615342140198},{"word":"you","start":609.00494,"end":609.165,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5504302978515625},{"word":"can","start":609.165,"end":609.32495,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5391536951065063},{"word":"see","start":609.32495,"end":609.565,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5813930034637451},{"word":"with","start":609.565,"end":609.725,"confidence":0.72558594,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6117507219314575},{"word":"the","start":609.725,"end":609.805,"confidence":0.89501953,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5188969373703003},{"word":"return","start":609.805,"end":610.285,"confidence":0.83984375,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.48403432965278625},{"word":"has","start":610.285,"end":610.52496,"confidence":0.94140625,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5118556022644043},{"word":"performed","start":610.52496,"end":611.00494,"confidence":0.9970703,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.5939624309539795},{"word":"better","start":611.00494,"end":611.50494,"confidence":0.9980469,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.5294498205184937},{"word":"it","start":611.96497,"end":612.285,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6436576247215271},{"word":"still","start":612.285,"end":612.785,"confidence":0.97265625,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.638274610042572},{"word":"maintains","start":612.845,"end":613.345,"confidence":0.9970703,"punctuated_word":"maintains","sentiment":"positive","sentiment_score":0.6676523089408875},{"word":"the","start":613.485,"end":613.725,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6920104026794434},{"word":"diversification","start":613.725,"end":614.225,"confidence":1.0,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.7031962871551514},{"word":"for","start":614.925,"end":615.165,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7003088593482971},{"word":"you","start":615.165,"end":615.665,"confidence":0.8220215,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5720952749252319},{"word":"and","start":616.16003,"end":616.32,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5282056927680969},{"word":"the","start":616.32,"end":616.56,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6077475547790527},{"word":"good","start":616.56,"end":616.80005,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.701522946357727},{"word":"thing","start":616.80005,"end":617.2,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.7114323973655701},{"word":"as","start":617.2,"end":617.52,"confidence":0.74658203,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5894160270690918},{"word":"well","start":617.52,"end":618.02,"confidence":0.99902344,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5197522044181824},{"word":"is","start":618.4,"end":618.80005,"confidence":0.9892578,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5442224144935608},{"word":"that","start":618.80005,"end":619.30005,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5751251578330994},{"word":"by","start":619.52,"end":619.84,"confidence":0.9921875,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.5522961020469666},{"word":"making","start":619.84,"end":620.16003,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.6209086775779724},{"word":"the","start":620.16003,"end":620.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5284083485603333},{"word":"change","start":620.4,"end":620.80005,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.5121721029281616},{"word":"and","start":620.80005,"end":621.12006,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5064598321914673},{"word":"rebalance","start":621.12006,"end":621.62006,"confidence":0.9838867,"punctuated_word":"rebalance","sentiment":"positive","sentiment_score":0.4350925385951996},{"word":"your","start":621.68005,"end":621.92004,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4821692109107971},{"word":"portfolio","start":621.92004,"end":622.42004,"confidence":0.99365234,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.35565900802612305},{"word":"sometimes","start":623.12006,"end":623.60004,"confidence":0.9980469,"punctuated_word":"sometimes","sentiment":"positive","sentiment_score":0.39938637614250183},{"word":"when","start":623.60004,"end":623.84,"confidence":0.9707031,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3697828352451325},{"word":"we","start":623.84,"end":624.0,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3955923318862915},{"word":"are","start":624.0,"end":624.24005,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3204677999019623},{"word":"selling","start":624.24005,"end":624.74005,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.2840709090232849},{"word":"investments","start":624.88,"end":625.38,"confidence":0.97802734,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.24341996014118197},{"word":"there","start":625.68005,"end":626.0,"confidence":0.9941406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.39233168959617615},{"word":"will","start":626.0,"end":626.24005,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.35747116804122925},{"word":"be","start":626.24005,"end":626.56,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.33347082138061523},{"word":"capital","start":626.56,"end":627.06,"confidence":0.9316406,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.2069496363401413},{"word":"gains","start":627.2,"end":627.68005,"confidence":0.9160156,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.2743260860443115},{"word":"tax","start":627.68005,"end":628.18005,"confidence":0.68603516,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3991902470588684},{"word":"that","start":629.075,"end":629.315,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3644363582134247},{"word":"will","start":629.315,"end":629.555,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.291107714176178},{"word":"be","start":629.555,"end":629.79504,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24346548318862915},{"word":"applicable","start":629.79504,"end":630.29504,"confidence":1.0,"punctuated_word":"applicable","sentiment":"neutral","sentiment_score":0.22110649943351743},{"word":"when","start":630.435,"end":630.675,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.22951529920101169},{"word":"we","start":630.675,"end":630.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27061623334884644},{"word":"are","start":630.835,"end":631.155,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.27802079916000366},{"word":"selling","start":631.155,"end":631.555,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.22738178074359897},{"word":"an","start":631.555,"end":631.955,"confidence":0.97998047,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.32912611961364746},{"word":"investment","start":631.955,"end":632.455,"confidence":0.9980469,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.18588577210903168},{"word":"now","start":633.155,"end":633.47504,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.3152177631855011},{"word":"that","start":633.47504,"end":633.875,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30725693702697754},{"word":"can","start":633.875,"end":634.375,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2891295850276947},{"word":"change","start":634.515,"end":634.995,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.33880722522735596},{"word":"on","start":634.995,"end":635.235,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.33396437764167786},{"word":"a","start":635.235,"end":635.395,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.340501993894577},{"word":"daily","start":635.395,"end":635.79504,"confidence":0.94018555,"punctuated_word":"daily,","sentiment":"neutral","sentiment_score":0.3280664086341858},{"word":"obviously","start":635.79504,"end":636.195,"confidence":0.99316406,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2719731330871582},{"word":"with","start":636.195,"end":636.435,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32809725403785706},{"word":"market","start":636.435,"end":636.935,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.28184205293655396},{"word":"movement","start":637.075,"end":637.575,"confidence":0.68359375,"punctuated_word":"movement.","sentiment":"neutral","sentiment_score":0.21232810616493225},{"word":"but","start":638.115,"end":638.35504,"confidence":0.99902344,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.3356030583381653},{"word":"when","start":638.35504,"end":638.59503,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.44551965594291687},{"word":"i","start":638.59503,"end":638.755,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.461058646440506},{"word":"did","start":638.755,"end":638.995,"confidence":1.0,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.5203456282615662},{"word":"everything","start":638.995,"end":639.495,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.6237176656723022},{"word":"for","start":639.715,"end":639.955,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.525344967842102},{"word":"you","start":639.955,"end":640.435,"confidence":0.99853516,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5328760147094727},{"word":"it","start":640.435,"end":640.59503,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.605135977268219},{"word":"shows","start":640.59503,"end":640.91504,"confidence":0.99902344,"punctuated_word":"shows","sentiment":"positive","sentiment_score":0.515942394733429},{"word":"that","start":640.91504,"end":641.155,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5494377613067627},{"word":"there","start":641.155,"end":641.315,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5146266222000122},{"word":"will","start":641.315,"end":641.555,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4754260182380676},{"word":"be","start":641.555,"end":641.875,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4616481363773346},{"word":"no","start":641.875,"end":642.35504,"confidence":0.99902344,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3528112769126892},{"word":"capital","start":642.35504,"end":642.835,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.09510761499404909},{"word":"gains","start":642.835,"end":643.235,"confidence":0.9970703,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.2708442211151123},{"word":"tax","start":643.235,"end":643.555,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4426099956035614},{"word":"by","start":643.555,"end":643.715,"confidence":0.9921875,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.5136814117431641},{"word":"making","start":643.715,"end":644.115,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.5118721723556519},{"word":"this","start":644.115,"end":644.34,"confidence":0.9941406,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5682961940765381},{"word":"change","start":644.34,"end":644.66003,"confidence":0.99560547,"punctuated_word":"change,","sentiment":"positive","sentiment_score":0.5439552664756775},{"word":"which","start":644.66003,"end":644.82,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5980815291404724},{"word":"is","start":644.82,"end":645.06,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6016458868980408},{"word":"good","start":645.06,"end":645.56,"confidence":0.9067383,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5245676636695862},{"word":"so","start":645.86005,"end":646.02,"confidence":0.5732422,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5243807435035706},{"word":"no","start":646.02,"end":646.26,"confidence":0.99902344,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.4673646688461304},{"word":"additional","start":646.26,"end":646.74005,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.3301011621952057},{"word":"tax","start":646.74005,"end":647.14,"confidence":1.0,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.3429715931415558},{"word":"to","start":647.14,"end":647.30005,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5785582661628723},{"word":"come","start":647.30005,"end":647.54004,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4874350130558014},{"word":"out","start":647.54004,"end":648.04004,"confidence":0.98657227,"punctuated_word":"out,","sentiment":"positive","sentiment_score":0.4947356581687927},{"word":"which","start":648.18005,"end":648.34,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4766092002391815},{"word":"is","start":648.34,"end":648.5,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.47926104068756104},{"word":"it","start":648.5,"end":648.82,"confidence":0.78686523,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.5421656370162964},{"word":"which","start":648.82,"end":648.98004,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6109137535095215},{"word":"is","start":648.98004,"end":649.14,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6004783511161804},{"word":"very","start":649.14,"end":649.30005,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6092346906661987},{"word":"good","start":649.30005,"end":649.80005,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4133450388908386},{"word":"yeah","start":653.22003,"end":653.72003,"confidence":0.72753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16830290853977203},{"word":"now","start":654.5,"end":655.0,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.15072353184223175},{"word":"the","start":655.54004,"end":655.94,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12676267325878143},{"word":"the","start":655.94,"end":656.34,"confidence":0.8671875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09498126804828644},{"word":"other","start":656.34,"end":656.805,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07018835842609406},{"word":"thing","start":657.125,"end":657.625,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.10509347170591354},{"word":"with","start":657.685,"end":657.925,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07470583915710449},{"word":"your","start":657.925,"end":658.40497,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1114763766527176},{"word":"portfolio","start":658.40497,"end":658.90497,"confidence":0.7429199,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03719146177172661},{"word":"when","start":659.205,"end":659.445,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03979206085205078},{"word":"i","start":659.445,"end":659.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04642578214406967},{"word":"say","start":659.605,"end":660.105,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.04008995741605759},{"word":"rebalancing","start":660.165,"end":660.665,"confidence":0.9973958,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.03668278083205223},{"word":"so","start":660.885,"end":661.125,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.00949954241514206},{"word":"like","start":661.125,"end":661.20496,"confidence":0.8774414,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08369120955467224},{"word":"i","start":661.20496,"end":661.285,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06202394515275955},{"word":"said","start":661.285,"end":661.605,"confidence":0.99853516,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.06751520186662674},{"word":"that","start":661.605,"end":661.685,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02919233590364456},{"word":"is","start":661.685,"end":661.925,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04594889283180237},{"word":"the","start":661.925,"end":662.005,"confidence":0.9091797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07587406039237976},{"word":"only","start":662.005,"end":662.505,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.019502073526382446},{"word":"switch","start":662.645,"end":662.96497,"confidence":0.7651367,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.021426204591989517},{"word":"we","start":662.96497,"end":663.205,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0936739295721054},{"word":"have","start":663.205,"end":663.365,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11566831171512604},{"word":"done","start":663.365,"end":663.685,"confidence":0.8293457,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.04104842245578766},{"word":"so","start":663.685,"end":663.925,"confidence":0.84716797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01492859423160553},{"word":"removed","start":663.925,"end":664.325,"confidence":0.5415039,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":0.05653766542673111},{"word":"and","start":664.325,"end":664.565,"confidence":0.34228516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02551749348640442},{"word":"along","start":664.565,"end":665.065,"confidence":0.8886719,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.06483852863311768},{"word":"introduced","start":665.765,"end":666.265,"confidence":0.70947266,"punctuated_word":"introduced","sentiment":"neutral","sentiment_score":0.04532797262072563},{"word":"beta","start":666.40497,"end":666.885,"confidence":0.9301758,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.05326008424162865},{"word":"shift","start":666.885,"end":667.385,"confidence":0.59375,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":0.054919254034757614},{"word":"is","start":668.165,"end":668.40497,"confidence":0.51708984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05702432990074158},{"word":"that","start":668.40497,"end":668.645,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08445412665605545},{"word":"i've","start":668.645,"end":668.885,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1178816184401512},{"word":"also","start":668.885,"end":669.285,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11632227897644044},{"word":"just","start":669.285,"end":669.605,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14226269721984863},{"word":"recommended","start":669.605,"end":670.105,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.13937215507030487},{"word":"that","start":670.165,"end":670.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09268250316381454},{"word":"we","start":670.325,"end":670.825,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1251680552959442},{"word":"rebalance","start":670.885,"end":671.385,"confidence":0.9973958,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.06179574877023697},{"word":"your","start":671.685,"end":671.925,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08550696820020676},{"word":"portfolio","start":671.925,"end":672.425,"confidence":1.0,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.02375296875834465},{"word":"basically","start":673.23,"end":673.73,"confidence":0.99658203,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.07688963413238525},{"word":"what","start":673.79,"end":674.11,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08530513942241669},{"word":"that","start":674.11,"end":674.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07626013457775116},{"word":"means","start":674.43,"end":674.93,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.05608190968632698},{"word":"is","start":675.95,"end":676.35,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08235785365104675},{"word":"that","start":676.35,"end":676.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08990903198719025},{"word":"because","start":677.39,"end":677.71,"confidence":0.74780273,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.123873271048069},{"word":"obviously","start":677.71,"end":678.11,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1243625208735466},{"word":"your","start":678.11,"end":678.43,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1846613585948944},{"word":"superannuation","start":678.43,"end":678.93,"confidence":0.9944661,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.12964296340942383},{"word":"invested","start":680.99,"end":681.49,"confidence":0.78515625,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.12318137288093568},{"word":"it","start":682.43,"end":682.67,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13799995183944702},{"word":"is","start":682.67,"end":682.91,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11756318807601927},{"word":"important","start":682.91,"end":683.39,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.08981011062860489},{"word":"to","start":683.39,"end":683.87,"confidence":0.94189453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16504225134849548},{"word":"rebalancing","start":683.87,"end":684.37,"confidence":0.98291016,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.11463989317417143},{"word":"to","start":685.645,"end":685.805,"confidence":0.9135742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14032012224197388},{"word":"making","start":685.805,"end":686.285,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1662263125181198},{"word":"sure","start":686.285,"end":686.765,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.18854546546936035},{"word":"that","start":686.765,"end":687.005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20552310347557068},{"word":"it","start":687.005,"end":687.165,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21498769521713257},{"word":"all","start":687.165,"end":687.565,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.22333693504333496},{"word":"aligns","start":687.565,"end":688.065,"confidence":0.9975586,"punctuated_word":"aligns","sentiment":"neutral","sentiment_score":0.22240492701530457},{"word":"with","start":688.125,"end":688.365,"confidence":0.9277344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21330635249614716},{"word":"your","start":688.365,"end":688.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23841065168380737},{"word":"investment","start":688.685,"end":689.185,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09106148034334184},{"word":"strategy","start":689.40497,"end":689.90497,"confidence":0.9995117,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.1187736988067627},{"word":"so","start":690.445,"end":690.685,"confidence":0.8833008,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10154685378074646},{"word":"basically","start":690.685,"end":691.185,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.08220788836479187},{"word":"over","start":691.40497,"end":691.725,"confidence":0.9863281,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11859485507011414},{"word":"time","start":691.725,"end":692.225,"confidence":0.9951172,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.0763457715511322},{"word":"market","start":692.685,"end":693.085,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.01656452566385269},{"word":"movements","start":693.085,"end":693.585,"confidence":0.7241211,"punctuated_word":"movements","sentiment":"neutral","sentiment_score":0.013333283364772797},{"word":"can","start":693.645,"end":693.96497,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04083889722824097},{"word":"cause","start":693.96497,"end":694.46497,"confidence":0.9951172,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":0.04613565653562546},{"word":"some","start":694.525,"end":694.845,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.017627999186515808},{"word":"investments","start":694.845,"end":695.345,"confidence":0.9863281,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.004019089043140411},{"word":"to","start":695.565,"end":695.805,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03396129608154297},{"word":"grow","start":695.805,"end":696.045,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.10020679980516434},{"word":"more","start":696.045,"end":696.285,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0735943466424942},{"word":"than","start":696.285,"end":696.525,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.039953239262104034},{"word":"others","start":696.525,"end":697.025,"confidence":0.984375,"punctuated_word":"others,","sentiment":"neutral","sentiment_score":0.043375615030527115},{"word":"which","start":697.485,"end":697.805,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.09876523166894911},{"word":"then","start":697.805,"end":697.96497,"confidence":0.9941406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12170767784118652},{"word":"means","start":697.96497,"end":698.285,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.0856969803571701},{"word":"that","start":698.285,"end":698.525,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07758913934230804},{"word":"they","start":698.525,"end":698.685,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07772036641836166},{"word":"represent","start":698.685,"end":699.185,"confidence":0.98535156,"punctuated_word":"represent","sentiment":"neutral","sentiment_score":0.04947935417294502},{"word":"a","start":699.325,"end":699.485,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05717552453279495},{"word":"larger","start":699.485,"end":699.985,"confidence":0.99902344,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":-0.000700581818819046},{"word":"portion","start":700.24,"end":700.56,"confidence":0.99902344,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.04539497196674347},{"word":"of","start":700.56,"end":700.8,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04572296887636185},{"word":"your","start":700.8,"end":701.2,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05246348679065704},{"word":"portfolio","start":701.2,"end":701.7,"confidence":0.89453125,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.006615258753299713},{"word":"whereas","start":702.4,"end":702.72003,"confidence":0.9980469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.00006275065243244171},{"word":"then","start":702.72003,"end":702.88,"confidence":0.88134766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03162131458520889},{"word":"others","start":702.88,"end":703.28,"confidence":0.94384766,"punctuated_word":"others","sentiment":"neutral","sentiment_score":-0.08772013336420059},{"word":"become","start":703.28,"end":703.78,"confidence":0.83740234,"punctuated_word":"become","sentiment":"neutral","sentiment_score":-0.0588378980755806},{"word":"smaller","start":703.84,"end":704.34,"confidence":0.9995117,"punctuated_word":"smaller.","sentiment":"neutral","sentiment_score":-0.01178988441824913},{"word":"so","start":704.56,"end":705.06,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0706683099269867},{"word":"rebalancing","start":705.92004,"end":706.42004,"confidence":0.9036458,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.08619414269924164},{"word":"basically","start":706.96,"end":707.44,"confidence":0.94628906,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.06187126040458679},{"word":"means","start":707.44,"end":707.76,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08314410597085953},{"word":"that","start":707.76,"end":707.92004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12353180348873138},{"word":"we","start":707.92004,"end":708.08,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13746726512908936},{"word":"are","start":708.08,"end":708.58,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1754011511802673},{"word":"readjusting","start":709.2,"end":709.7,"confidence":0.99934894,"punctuated_word":"readjusting","sentiment":"neutral","sentiment_score":0.12524423003196716},{"word":"everything","start":710.24,"end":710.74,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1471414566040039},{"word":"back","start":710.88,"end":711.2,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1113920733332634},{"word":"into","start":711.2,"end":711.7,"confidence":0.9863281,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08682563155889511},{"word":"their","start":711.84,"end":712.34,"confidence":0.6538086,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.05099813640117645},{"word":"attended","start":712.48004,"end":712.98004,"confidence":0.4951172,"punctuated_word":"attended","sentiment":"neutral","sentiment_score":0.06865876913070679},{"word":"levels","start":713.04004,"end":713.54004,"confidence":0.94091797,"punctuated_word":"levels.","sentiment":"neutral","sentiment_score":0.12086760997772215},{"word":"so","start":713.79504,"end":714.03503,"confidence":0.78027344,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1957038640975952},{"word":"basically","start":714.03503,"end":714.53503,"confidence":0.9995117,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.17333243787288666},{"word":"rebalancing","start":714.67505,"end":715.17505,"confidence":0.9951172,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.1854710429906845},{"word":"everything","start":715.55505,"end":716.05505,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2587020993232727},{"word":"back","start":716.11505,"end":716.35504,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1903019547462463},{"word":"to","start":716.35504,"end":716.67505,"confidence":0.7602539,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1775091290473938},{"word":"alignment","start":716.67505,"end":717.17505,"confidence":0.99609375,"punctuated_word":"alignment","sentiment":"neutral","sentiment_score":0.23030957579612732},{"word":"to","start":718.11505,"end":718.35504,"confidence":0.65722656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2838042974472046},{"word":"keeping","start":718.35504,"end":718.67505,"confidence":0.9941406,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.35233935713768005},{"word":"your","start":718.67505,"end":719.075,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3668074607849121},{"word":"portfolio","start":719.075,"end":719.575,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1846984326839447},{"word":"aligned","start":719.875,"end":720.275,"confidence":0.9951172,"punctuated_word":"aligned","sentiment":"positive","sentiment_score":0.3630711436271667},{"word":"with","start":720.275,"end":720.515,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.387348473072052},{"word":"your","start":720.515,"end":720.755,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3854602873325348},{"word":"objectives","start":720.755,"end":721.255,"confidence":0.89990234,"punctuated_word":"objectives","sentiment":"neutral","sentiment_score":0.3323287069797516},{"word":"and","start":721.55505,"end":721.79504,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.277033269405365},{"word":"your","start":721.79504,"end":722.11505,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30081871151924133},{"word":"risk","start":722.11505,"end":722.515,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.17884674668312073},{"word":"profile","start":722.515,"end":723.015,"confidence":1.0,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.1956934928894043},{"word":"and","start":723.635,"end":723.875,"confidence":0.58691406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19188900291919708},{"word":"everything","start":723.875,"end":724.375,"confidence":0.69885254,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.00979473628103733},{"word":"because","start":725.075,"end":725.395,"confidence":0.86938477,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.045187462121248245},{"word":"yeah","start":725.395,"end":725.715,"confidence":0.99853516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06604153662919998},{"word":"over","start":725.715,"end":726.03503,"confidence":0.9667969,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.01840806007385254},{"word":"time","start":726.03503,"end":726.53503,"confidence":0.9746094,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.02154695987701416},{"word":"it","start":726.59503,"end":726.835,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023730114102363583},{"word":"can","start":726.835,"end":727.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.003675982356071472},{"word":"get","start":727.315,"end":727.55505,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04630205035209656},{"word":"a","start":727.55505,"end":727.635,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06205486878752709},{"word":"little","start":727.635,"end":727.875,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09243161231279372},{"word":"bit","start":727.875,"end":728.11505,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10531454533338548},{"word":"out","start":728.11505,"end":728.275,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1875259280204773},{"word":"of","start":728.275,"end":728.515,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28184741735458374},{"word":"balance","start":728.515,"end":729.0,"confidence":0.8586426,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":-0.22244775295257568},{"word":"so","start":729.0,"end":729.16,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.013896644115447998},{"word":"it","start":729.16,"end":729.24,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008363619446754456},{"word":"is","start":729.24,"end":729.4,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015397131443023682},{"word":"important","start":729.4,"end":729.9,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.003661051392555237},{"word":"to","start":729.96,"end":730.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05025233328342438},{"word":"rebalance","start":730.12,"end":730.62,"confidence":0.99934894,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.034355781972408295},{"word":"everything","start":730.84,"end":731.32,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.18250758945941925},{"word":"for","start":731.32,"end":731.56,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16142262518405914},{"word":"you","start":731.56,"end":731.72,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08594286441802979},{"word":"and","start":731.72,"end":731.96,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13173075020313263},{"word":"align","start":731.96,"end":732.36,"confidence":0.99609375,"punctuated_word":"align","sentiment":"neutral","sentiment_score":0.10919997096061708},{"word":"it","start":732.36,"end":732.86,"confidence":0.99609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.10684967786073685},{"word":"so","start":733.64,"end":733.8,"confidence":0.7578125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.254121333360672},{"word":"i","start":733.8,"end":733.88,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2927624583244324},{"word":"have","start":733.88,"end":734.2,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3510357439517975},{"word":"recommended","start":734.2,"end":734.7,"confidence":1.0,"punctuated_word":"recommended","sentiment":"positive","sentiment_score":0.3752498626708984},{"word":"that","start":734.76,"end":735.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2422219216823578},{"word":"as","start":735.0,"end":735.16,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29496216773986816},{"word":"well","start":735.16,"end":735.66,"confidence":0.93847656,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2746405601501465},{"word":"they're","start":736.68,"end":736.92,"confidence":0.7468262,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.04577482491731644},{"word":"not","start":736.92,"end":737.16,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02769540250301361},{"word":"changing","start":737.16,"end":737.56,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.08134597539901733},{"word":"everything","start":737.56,"end":737.96,"confidence":0.9641113,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.06111183390021324},{"word":"it","start":737.96,"end":738.12,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.024572022259235386},{"word":"is","start":738.12,"end":738.28,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.007552865892648697},{"word":"just","start":738.28,"end":738.52,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07608246803283691},{"word":"basically","start":738.52,"end":739.02,"confidence":0.96777344,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.07023940235376358},{"word":"rebalancing","start":739.08,"end":739.58,"confidence":0.9935303,"punctuated_word":"rebalancing.","sentiment":"neutral","sentiment_score":0.0976073443889618},{"word":"that","start":741.015,"end":741.515,"confidence":0.9453125,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2322058081626892},{"word":"makes","start":742.53503,"end":742.85504,"confidence":0.64404297,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2347046583890915},{"word":"sense","start":742.85504,"end":743.335,"confidence":0.9890137,"punctuated_word":"sense,","sentiment":"neutral","sentiment_score":0.0976109430193901},{"word":"jose","start":743.335,"end":743.835,"confidence":0.9824219,"punctuated_word":"Jose?","sentiment":"neutral","sentiment_score":0.10608796030282974},{"word":"correct","start":752.695,"end":753.09503,"confidence":0.9296875,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.023551058024168015},{"word":"just","start":753.09503,"end":753.335,"confidence":0.921875,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.003278188407421112},{"word":"just","start":753.335,"end":753.575,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009157106280326843},{"word":"changing","start":753.575,"end":754.055,"confidence":0.99316406,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.0013550147414207458},{"word":"how","start":754.055,"end":754.29504,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.008664585649967194},{"word":"much","start":754.29504,"end":754.615,"confidence":0.9008789,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.025974715128540993},{"word":"so","start":754.615,"end":754.935,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02344423159956932},{"word":"still","start":754.935,"end":755.175,"confidence":0.92089844,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04283925145864487},{"word":"keeping","start":755.175,"end":755.575,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.05599143356084824},{"word":"it","start":755.575,"end":756.06,"confidence":0.7890625,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02651035413146019},{"word":"but","start":756.14,"end":756.22,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02235693857073784},{"word":"let's","start":756.22,"end":756.54,"confidence":0.9885254,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.03787432610988617},{"word":"say","start":756.54,"end":756.77997,"confidence":0.9172363,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.051473990082740784},{"word":"for","start":756.77997,"end":757.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.028202801942825317},{"word":"example","start":757.1,"end":757.6,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.03499668091535568},{"word":"you","start":758.38,"end":758.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04255388677120209},{"word":"have","start":758.7,"end":759.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.038929954171180725},{"word":"at","start":759.02,"end":759.18,"confidence":0.6879883,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025014642626047134},{"word":"the","start":759.18,"end":759.34,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04353839531540871},{"word":"moment","start":759.34,"end":759.84,"confidence":0.7685547,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.04616350680589676},{"word":"the","start":761.42,"end":761.74,"confidence":0.60253906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04900345951318741},{"word":"s","start":761.74,"end":761.9,"confidence":0.75683594,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.04386837035417557},{"word":"and","start":761.9,"end":762.06,"confidence":0.8330078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026459254324436188},{"word":"p","start":762.06,"end":762.3,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.051176246255636215},{"word":"500","start":762.3,"end":762.86,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.05399174243211746},{"word":"in","start":762.86,"end":763.02,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030039239674806595},{"word":"the","start":763.02,"end":763.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.042811308056116104},{"word":"portfolio","start":763.18,"end":763.68,"confidence":0.9057617,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.02437116578221321},{"word":"so","start":764.22,"end":764.38,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025470035150647163},{"word":"that","start":764.38,"end":764.62,"confidence":0.8569336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022050747647881508},{"word":"invest","start":764.62,"end":765.02,"confidence":0.55615234,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.012883111834526062},{"word":"in","start":765.02,"end":765.18,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02320616878569126},{"word":"the","start":765.18,"end":765.34,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03233357518911362},{"word":"200","start":765.34,"end":765.74,"confidence":0.9921875,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.03393559157848358},{"word":"sorry","start":765.9,"end":766.22,"confidence":0.76293945,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.02399369701743126},{"word":"the","start":766.22,"end":766.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04592806100845337},{"word":"500","start":766.38,"end":766.86,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.0520365834236145},{"word":"largest","start":766.86,"end":767.36,"confidence":0.9970703,"punctuated_word":"largest","sentiment":"neutral","sentiment_score":0.054339248687028885},{"word":"companies","start":767.58,"end":767.98,"confidence":0.9658203,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.036633916199207306},{"word":"listed","start":767.98,"end":768.3,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.04785824567079544},{"word":"in","start":768.3,"end":768.54,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02463442087173462},{"word":"in","start":768.54,"end":768.7,"confidence":0.7973633,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03576941788196564},{"word":"america","start":768.7,"end":769.2,"confidence":0.9975586,"punctuated_word":"America.","sentiment":"neutral","sentiment_score":0.01997028850018978},{"word":"now","start":769.775,"end":770.015,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04462628811597824},{"word":"at","start":770.015,"end":770.175,"confidence":0.95410156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04254131764173508},{"word":"the","start":770.175,"end":770.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06764519214630127},{"word":"moment","start":770.335,"end":770.815,"confidence":0.9667969,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08042653650045395},{"word":"because","start":770.815,"end":771.055,"confidence":0.9970703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06973430514335632},{"word":"that","start":771.055,"end":771.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08081918209791183},{"word":"one","start":771.215,"end":771.375,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0779493898153305},{"word":"has","start":771.375,"end":771.695,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.03904931619763374},{"word":"grown","start":771.695,"end":772.09503,"confidence":0.9970703,"punctuated_word":"grown,","sentiment":"positive","sentiment_score":0.35164153575897217},{"word":"which","start":772.09503,"end":772.335,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3825986385345459},{"word":"is","start":772.335,"end":772.575,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.46120986342430115},{"word":"great","start":772.575,"end":773.055,"confidence":0.9812012,"punctuated_word":"great,","sentiment":"positive","sentiment_score":0.542768120765686},{"word":"you","start":773.055,"end":773.215,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4621150493621826},{"word":"have","start":773.215,"end":773.455,"confidence":0.9863281,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4803504943847656},{"word":"about","start":773.455,"end":773.955,"confidence":0.9951172,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.45792117714881897},{"word":"25.41%","start":774.09503,"end":776.59503,"confidence":0.9978841,"punctuated_word":"25.41%","sentiment":"positive","sentiment_score":0.4593832492828369},{"word":"of","start":777.375,"end":777.615,"confidence":0.9941406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3379712700843811},{"word":"your","start":777.615,"end":777.855,"confidence":0.9316406,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35612568259239197},{"word":"super","start":777.855,"end":778.255,"confidence":0.99121094,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4001738429069519},{"word":"invested","start":778.255,"end":778.735,"confidence":0.9873047,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.24843238294124603},{"word":"in","start":778.735,"end":778.895,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4012448191642761},{"word":"that","start":778.895,"end":779.215,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4330912232398987},{"word":"one","start":779.215,"end":779.53503,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.35156434774398804},{"word":"option","start":779.53503,"end":780.03503,"confidence":0.9995117,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.31170111894607544},{"word":"we","start":780.735,"end":780.97504,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20088374614715576},{"word":"just","start":780.97504,"end":781.215,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24453291296958923},{"word":"wanna","start":781.215,"end":781.53503,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2890136241912842},{"word":"bring","start":781.53503,"end":781.775,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.2259291261434555},{"word":"it","start":781.775,"end":782.015,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.33328408002853394},{"word":"back","start":782.015,"end":782.255,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2750765383243561},{"word":"down","start":782.255,"end":782.655,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2513800263404846},{"word":"to","start":782.655,"end":783.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30870023369789124},{"word":"20%","start":783.24,"end":783.98,"confidence":0.9727783,"punctuated_word":"20%.","sentiment":"neutral","sentiment_score":0.2622605860233307},{"word":"so","start":784.12,"end":784.44,"confidence":0.953125,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.29945820569992065},{"word":"again","start":784.44,"end":784.92,"confidence":1.0,"punctuated_word":"again,","sentiment":"positive","sentiment_score":0.35114115476608276},{"word":"keeping","start":784.92,"end":785.24,"confidence":0.984375,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.3848053812980652},{"word":"it","start":785.24,"end":785.4,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3486393094062805},{"word":"in","start":785.4,"end":785.56,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33367031812667847},{"word":"your","start":785.56,"end":785.88,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3662271797657013},{"word":"portfolio","start":785.88,"end":786.38,"confidence":0.92749023,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2538025379180908},{"word":"just","start":786.84,"end":787.34,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34906744956970215},{"word":"realigning","start":787.4,"end":787.9,"confidence":1.0,"punctuated_word":"realigning","sentiment":"neutral","sentiment_score":0.26563456654548645},{"word":"everything","start":788.36,"end":788.86,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3337467610836029},{"word":"as","start":789.0,"end":789.32,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3181270658969879},{"word":"the","start":789.32,"end":789.48,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2552306056022644},{"word":"market","start":789.48,"end":789.96,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2092716246843338},{"word":"continues","start":789.96,"end":790.46,"confidence":0.9770508,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.23059627413749695},{"word":"to","start":790.68,"end":790.84,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2279943972826004},{"word":"grow","start":790.84,"end":791.08,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.15996450185775757},{"word":"and","start":791.08,"end":791.24,"confidence":0.57666016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17843009531497955},{"word":"there's","start":791.24,"end":791.48,"confidence":0.9753418,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.20774969458580017},{"word":"different","start":791.48,"end":791.88,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.1127343326807022},{"word":"fluctuations","start":791.88,"end":792.38,"confidence":0.82055664,"punctuated_word":"fluctuations.","sentiment":"neutral","sentiment_score":0.14672821760177612},{"word":"so","start":792.92,"end":793.08,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22604990005493164},{"word":"that","start":793.08,"end":793.24,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32470184564590454},{"word":"is","start":793.24,"end":793.56,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3147740960121155},{"word":"basically","start":793.56,"end":793.96,"confidence":0.80078125,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.31742650270462036},{"word":"what","start":793.96,"end":794.28,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.29962095618247986},{"word":"rebalancing","start":794.28,"end":794.78,"confidence":0.9980469,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.3041030168533325},{"word":"means","start":795.4,"end":795.72,"confidence":0.5944824,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":0.27887314558029175},{"word":"just","start":795.72,"end":796.04,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2770202159881592},{"word":"bringing","start":796.04,"end":796.36,"confidence":1.0,"punctuated_word":"bringing","sentiment":"positive","sentiment_score":0.3597142696380615},{"word":"it","start":796.36,"end":796.52,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.363459825515747},{"word":"all","start":796.52,"end":796.68,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2727070450782776},{"word":"back","start":796.68,"end":796.92,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.30469268560409546},{"word":"into","start":796.92,"end":797.24,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2589767277240753},{"word":"alignment","start":797.24,"end":797.74,"confidence":0.73535156,"punctuated_word":"alignment.","sentiment":"neutral","sentiment_score":0.2594562768936157},{"word":"we're","start":799.235,"end":799.395,"confidence":0.751709,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.2684227228164673},{"word":"still","start":799.395,"end":799.635,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2647175192832947},{"word":"keeping","start":799.635,"end":799.955,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.24297158420085907},{"word":"those","start":799.955,"end":800.455,"confidence":0.9916992,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.2174176722764969},{"word":"any","start":805.555,"end":805.955,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.035599157214164734},{"word":"questions","start":805.955,"end":806.455,"confidence":0.9951172,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.04183004051446915},{"word":"no","start":809.795,"end":810.295,"confidence":0.8413086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.023745227605104446},{"word":"no","start":810.435,"end":810.935,"confidence":0.99121094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05606315657496452},{"word":"no","start":811.15497,"end":811.65497,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03151129186153412},{"word":"good","start":811.715,"end":812.215,"confidence":0.9108887,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.14633148908615112},{"word":"now","start":813.49,"end":813.73,"confidence":0.97802734,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.060071155428886414},{"word":"when","start":813.73,"end":813.97,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08097754418849945},{"word":"you","start":813.97,"end":814.13,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10612248629331587},{"word":"have","start":814.13,"end":814.25,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1498112976551056},{"word":"a","start":814.25,"end":814.37,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15117105841636658},{"word":"look","start":814.37,"end":814.52997,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0950452908873558},{"word":"for","start":814.52997,"end":814.85,"confidence":0.51171875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08108951896429062},{"word":"the","start":814.85,"end":815.01,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044655390083789825},{"word":"document","start":815.01,"end":815.51,"confidence":0.7429199,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.08058561384677887},{"word":"like","start":816.69,"end":817.01,"confidence":0.92333984,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09943415224552156},{"word":"i","start":817.01,"end":817.17,"confidence":0.44921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1054507941007614},{"word":"said","start":817.17,"end":817.32996,"confidence":0.9628906,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.10608725249767303},{"word":"this","start":817.32996,"end":817.64996,"confidence":0.77001953,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06712031364440918},{"word":"is","start":817.64996,"end":818.14996,"confidence":0.37109375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08557327091693878},{"word":"32","start":818.85,"end":819.49,"confidence":0.9499512,"punctuated_word":"32","sentiment":"neutral","sentiment_score":0.0671057254076004},{"word":"pages","start":819.49,"end":819.99,"confidence":0.9238281,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":0.07422042638063431},{"word":"a","start":820.61,"end":820.85,"confidence":0.99609375,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.1118125468492508},{"word":"lot","start":820.85,"end":821.17,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.1564539521932602},{"word":"of","start":821.17,"end":821.32996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16613510251045227},{"word":"that","start":821.32996,"end":821.64996,"confidence":0.5810547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16715101897716522},{"word":"is","start":821.64996,"end":821.89,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15238569676876068},{"word":"just","start":821.89,"end":822.29,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17903482913970947},{"word":"through","start":822.29,"end":822.61,"confidence":0.7446289,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14876821637153623},{"word":"making","start":822.61,"end":823.01,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.16134458780288696},{"word":"sure","start":823.01,"end":823.51,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15092776715755463},{"word":"that","start":823.57,"end":823.73,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1629542112350464},{"word":"you","start":823.73,"end":823.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17050793766975403},{"word":"fully","start":823.97,"end":824.37,"confidence":0.9951172,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.2230554074048996},{"word":"understand","start":824.37,"end":824.85,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.189021497964859},{"word":"the","start":824.85,"end":825.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20796698331832889},{"word":"recommendation","start":825.01,"end":825.51,"confidence":0.9951172,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":0.2035072296857834},{"word":"it","start":826.375,"end":826.53503,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2093290090560913},{"word":"puts","start":826.53503,"end":826.85504,"confidence":0.9658203,"punctuated_word":"puts","sentiment":"neutral","sentiment_score":0.2451203167438507},{"word":"everything","start":826.85504,"end":827.255,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.3066656291484833},{"word":"i've","start":827.255,"end":827.49506,"confidence":0.9855957,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22888241708278656},{"word":"kind","start":827.49506,"end":827.73505,"confidence":0.93408203,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2457136511802673},{"word":"of","start":827.73505,"end":827.895,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22346216440200808},{"word":"touched","start":827.895,"end":828.215,"confidence":0.98095703,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.2362154722213745},{"word":"on","start":828.215,"end":828.715,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2360820025205612},{"word":"and","start":828.775,"end":828.935,"confidence":0.7636719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17960107326507568},{"word":"a","start":828.935,"end":829.015,"confidence":0.48217773,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16634386777877808},{"word":"little","start":829.015,"end":829.17505,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.17828810214996338},{"word":"bit","start":829.17505,"end":829.41504,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14245307445526123},{"word":"more","start":829.41504,"end":829.815,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13763633370399475},{"word":"detail","start":829.815,"end":830.29504,"confidence":0.99121094,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.2033324837684631},{"word":"into","start":830.29504,"end":830.695,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18777120113372803},{"word":"work","start":830.695,"end":831.195,"confidence":0.90625,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2111218273639679},{"word":"so","start":831.575,"end":831.73505,"confidence":0.9550781,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.172005295753479},{"word":"that","start":831.73505,"end":831.97504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2021542638540268},{"word":"you","start":831.97504,"end":832.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23436784744262695},{"word":"can","start":832.215,"end":832.455,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2342066764831543},{"word":"have","start":832.455,"end":832.695,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20617522299289703},{"word":"a","start":832.695,"end":832.85504,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18205702304840088},{"word":"read","start":832.85504,"end":833.35504,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.1647016704082489},{"word":"through","start":833.41504,"end":833.73505,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16025441884994507},{"word":"it","start":833.73505,"end":834.215,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15488818287849426},{"word":"but","start":834.215,"end":834.53503,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2165092825889587},{"word":"like","start":834.53503,"end":834.775,"confidence":0.9091797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.26989391446113586},{"word":"i","start":834.775,"end":834.85504,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27563709020614624},{"word":"said","start":834.85504,"end":835.17505,"confidence":1.0,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.3299192488193512},{"word":"it","start":835.17505,"end":835.41504,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34776508808135986},{"word":"is","start":835.41504,"end":835.655,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.41479337215423584},{"word":"pretty","start":835.655,"end":835.895,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.46310412883758545},{"word":"straightforward","start":835.895,"end":836.395,"confidence":0.74560547,"punctuated_word":"straightforward,","sentiment":"positive","sentiment_score":0.3426719903945923},{"word":"not","start":837.17505,"end":837.41504,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.26569244265556335},{"word":"changing","start":837.41504,"end":837.91504,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.053604960441589355},{"word":"insurances","start":838.05505,"end":838.55505,"confidence":0.9970703,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.11454980820417404},{"word":"not","start":838.935,"end":839.255,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.24472910165786743},{"word":"changing","start":839.255,"end":839.755,"confidence":1.0,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":0.0669800192117691},{"word":"risk","start":839.815,"end":840.215,"confidence":0.98535156,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.028632529079914093},{"word":"profile","start":840.215,"end":840.715,"confidence":0.99853516,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.20953227579593656},{"word":"keeping","start":841.47,"end":841.97,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.3141951560974121},{"word":"super","start":842.02997,"end":842.26996,"confidence":0.60058594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.25399184226989746},{"word":"fund","start":842.26996,"end":842.51,"confidence":0.8503418,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.2882707715034485},{"word":"and","start":842.51,"end":842.75,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35020506381988525},{"word":"literally","start":842.75,"end":843.14996,"confidence":0.9370117,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":0.3317892253398895},{"word":"just","start":843.14996,"end":843.55,"confidence":0.96972656,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.39464905858039856},{"word":"changing","start":843.55,"end":844.05,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.4048396348953247},{"word":"that","start":844.58997,"end":844.75,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3858223855495453},{"word":"one","start":844.75,"end":845.14996,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.30521976947784424},{"word":"investment","start":845.14996,"end":845.64996,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.17665880918502808},{"word":"and","start":845.79,"end":846.11,"confidence":0.96972656,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3465596139431},{"word":"rebalance","start":846.11,"end":846.61,"confidence":0.9845378,"punctuated_word":"rebalance","sentiment":"positive","sentiment_score":0.34181874990463257},{"word":"everything","start":846.91,"end":847.41,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.5357849597930908},{"word":"for","start":847.79,"end":848.11,"confidence":0.98828125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4190351068973541},{"word":"you","start":848.11,"end":848.61,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3218601644039154},{"word":"now","start":848.91,"end":849.31,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23906806111335752},{"word":"if","start":849.31,"end":849.55,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2711372673511505},{"word":"you","start":849.55,"end":849.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3067782521247864},{"word":"would","start":849.79,"end":850.02997,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.27554383873939514},{"word":"like","start":850.02997,"end":850.43,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.27044516801834106},{"word":"to","start":850.43,"end":850.67,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26668789982795715},{"word":"go","start":850.67,"end":850.99,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.28237223625183105},{"word":"and","start":850.99,"end":851.49,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2476506382226944},{"word":"research","start":851.63,"end":852.02997,"confidence":0.9970703,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.19670572876930237},{"word":"and","start":852.02997,"end":852.26996,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19476573169231415},{"word":"have","start":852.26996,"end":852.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24179086089134216},{"word":"a","start":852.43,"end":852.51,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25362664461135864},{"word":"look","start":852.51,"end":852.75,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20607918500900269},{"word":"at","start":852.75,"end":852.91,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2690032720565796},{"word":"that","start":852.91,"end":853.41,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20931901037693024},{"word":"investment","start":853.47,"end":853.97,"confidence":0.7451172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.17462055385112762},{"word":"in","start":854.735,"end":854.81494,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31155329942703247},{"word":"a","start":854.81494,"end":854.89496,"confidence":0.8984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2843477725982666},{"word":"more","start":854.89496,"end":855.295,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.21532118320465088},{"word":"detail","start":855.295,"end":855.695,"confidence":0.9970703,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.30517590045928955},{"word":"for","start":855.695,"end":855.855,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28353697061538696},{"word":"you","start":855.855,"end":856.355,"confidence":0.91186523,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2287965416908264},{"word":"in","start":856.89496,"end":857.295,"confidence":0.9980469,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.2217010259628296},{"word":"the","start":857.295,"end":857.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21966759860515592},{"word":"appendix","start":858.01495,"end":858.51495,"confidence":0.9980469,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.19562046229839325},{"word":"which","start":858.815,"end":859.055,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.22672949731349945},{"word":"is","start":859.055,"end":859.295,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1907200068235397},{"word":"the","start":859.295,"end":859.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1752174198627472},{"word":"second","start":859.535,"end":860.035,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.1850314885377884},{"word":"document","start":860.095,"end":860.595,"confidence":0.9604492,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.17493979632854462},{"word":"in","start":860.975,"end":861.21497,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1975732147693634},{"word":"that","start":861.21497,"end":861.45496,"confidence":0.80810547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22781561315059665},{"word":"email","start":861.45496,"end":861.935,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.20513373613357544},{"word":"i","start":861.935,"end":862.175,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2378150075674057},{"word":"i","start":862.175,"end":862.255,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2837493121623993},{"word":"just","start":862.255,"end":862.57495,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31441810727119446},{"word":"sent","start":862.57495,"end":862.815,"confidence":0.97265625,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.25546279549598694},{"word":"you","start":862.815,"end":863.315,"confidence":0.970459,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2661914825439453},{"word":"it","start":863.77496,"end":864.01495,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2734520137310028},{"word":"also","start":864.01495,"end":864.51495,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2281799465417862},{"word":"includes","start":864.57495,"end":865.07495,"confidence":0.99902344,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.300386905670166},{"word":"investment","start":865.375,"end":865.875,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.12814204394817352},{"word":"links","start":866.095,"end":866.46,"confidence":0.9633789,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.22778278589248657},{"word":"so","start":866.94,"end":867.02,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27102503180503845},{"word":"that","start":867.02,"end":867.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.297721266746521},{"word":"you","start":867.18,"end":867.42004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24605165421962735},{"word":"can","start":867.42004,"end":867.66003,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2336679995059967},{"word":"click","start":867.66003,"end":867.9,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.25965985655784607},{"word":"on","start":867.9,"end":868.06,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2600049376487732},{"word":"them","start":868.06,"end":868.30005,"confidence":0.8684082,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.24521629512310028},{"word":"and","start":868.30005,"end":868.46,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2845250964164734},{"word":"that","start":868.46,"end":868.62,"confidence":0.87597656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2873673439025879},{"word":"gives","start":868.62,"end":868.94,"confidence":0.9941406,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.284564733505249},{"word":"you","start":868.94,"end":869.10004,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3526122570037842},{"word":"everything","start":869.10004,"end":869.58,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.33454030752182007},{"word":"in","start":869.58,"end":869.74005,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2989283502101898},{"word":"regards","start":869.74005,"end":870.14,"confidence":0.9951172,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.2838123142719269},{"word":"to","start":870.14,"end":870.30005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31707626581192017},{"word":"the","start":870.30005,"end":870.46,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2984647750854492},{"word":"investment","start":870.46,"end":870.96,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2193664908409119},{"word":"if","start":871.02,"end":871.26,"confidence":0.9243164,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.35855990648269653},{"word":"it","start":871.26,"end":871.5,"confidence":0.9873047,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37885311245918274},{"word":"is","start":871.5,"end":871.74005,"confidence":0.99121094,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.368438184261322},{"word":"something","start":871.74005,"end":872.14,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.3299780488014221},{"word":"you","start":872.14,"end":872.30005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3311353325843811},{"word":"do","start":872.30005,"end":872.46,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24056975543498993},{"word":"want","start":872.46,"end":872.78,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.3266718089580536},{"word":"to","start":872.78,"end":872.94,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27317556738853455},{"word":"have","start":872.94,"end":873.18,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24229338765144348},{"word":"a","start":873.18,"end":873.26,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2284266501665115},{"word":"read","start":873.26,"end":873.5,"confidence":0.9892578,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.21541652083396912},{"word":"over","start":873.5,"end":873.74005,"confidence":0.89990234,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3016522228717804},{"word":"in","start":873.74005,"end":873.9,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.23588687181472776},{"word":"your","start":873.9,"end":874.06,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26054903864860535},{"word":"own","start":874.06,"end":874.30005,"confidence":0.99902344,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.27360743284225464},{"word":"time","start":874.30005,"end":874.46,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.260817289352417},{"word":"as","start":874.46,"end":874.7,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2825891673564911},{"word":"well","start":874.7,"end":875.2,"confidence":0.9914551,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09650257974863052},{"word":"so","start":875.34,"end":875.5,"confidence":0.6269531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11979885399341585},{"word":"all","start":875.5,"end":875.66003,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1529962718486786},{"word":"the","start":875.66003,"end":875.82,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1411472111940384},{"word":"transparency","start":875.82,"end":876.32,"confidence":0.9980469,"punctuated_word":"transparency","sentiment":"neutral","sentiment_score":0.15145818889141083},{"word":"and","start":876.54004,"end":876.7,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14023275673389435},{"word":"everything","start":876.7,"end":877.10004,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1473039835691452},{"word":"is","start":877.10004,"end":877.34,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13831563293933868},{"word":"there","start":877.34,"end":877.58,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.21838411688804624},{"word":"for","start":877.58,"end":877.74005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4217439591884613},{"word":"you","start":877.74005,"end":878.24005,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3906286954879761},{"word":"no","start":882.475,"end":882.71497,"confidence":0.8625488,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.1027824804186821},{"word":"that's","start":882.71497,"end":883.035,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.27045220136642456},{"word":"okay","start":883.035,"end":883.535,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.16279372572898865},{"word":"now","start":884.07495,"end":884.57495,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.23989853262901303},{"word":"from","start":886.07495,"end":886.39496,"confidence":0.9873047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3139692544937134},{"word":"a","start":886.39496,"end":886.63495,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32158297300338745},{"word":"risk","start":886.63495,"end":887.035,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.26154178380966187},{"word":"profile","start":887.035,"end":887.435,"confidence":0.9975586,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.2665081024169922},{"word":"like","start":887.435,"end":887.675,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3586493730545044},{"word":"i","start":887.675,"end":887.755,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3294568955898285},{"word":"said","start":887.755,"end":887.995,"confidence":0.99902344,"punctuated_word":"said,","sentiment":"positive","sentiment_score":0.3510913848876953},{"word":"it","start":887.995,"end":888.07495,"confidence":0.625,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4215637445449829},{"word":"stays","start":888.07495,"end":888.57495,"confidence":0.9951172,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.33682072162628174},{"word":"stays","start":888.63495,"end":888.875,"confidence":0.99121094,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.3410991430282593},{"word":"the","start":888.875,"end":889.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41953569650650024},{"word":"same","start":889.115,"end":889.51495,"confidence":0.94628906,"punctuated_word":"same,","sentiment":"positive","sentiment_score":0.381860077381134},{"word":"still","start":889.51495,"end":889.755,"confidence":0.9941406,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4151800870895386},{"word":"aligns","start":889.755,"end":890.255,"confidence":0.99121094,"punctuated_word":"aligns","sentiment":"positive","sentiment_score":0.42644765973091125},{"word":"with","start":890.315,"end":890.475,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.42445746064186096},{"word":"your","start":890.475,"end":890.875,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42818737030029297},{"word":"growth","start":890.875,"end":891.19495,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3900904357433319},{"word":"profile","start":891.19495,"end":891.69495,"confidence":0.99853516,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.27881136536598206},{"word":"i","start":893.84,"end":894.0,"confidence":0.97998047,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3940196037292481},{"word":"have","start":894.0,"end":894.48004,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3727312386035919},{"word":"also","start":894.48004,"end":894.88,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.27937787771224976},{"word":"included","start":894.88,"end":895.38,"confidence":1.0,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.433650940656662},{"word":"some","start":895.60004,"end":896.0,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3207399845123291},{"word":"information","start":896.0,"end":896.5,"confidence":0.99902344,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.31125548481941223},{"word":"in","start":896.88,"end":897.04004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30900028347969055},{"word":"regards","start":897.04004,"end":897.54004,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.26521724462509155},{"word":"to","start":897.60004,"end":898.10004,"confidence":0.9560547,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36220061779022217},{"word":"setting","start":898.16003,"end":898.56,"confidence":0.9873047,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.32589268684387207},{"word":"up","start":898.56,"end":898.80005,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.31212300062179565},{"word":"a","start":898.80005,"end":899.12,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.33885377645492554},{"word":"will","start":899.12,"end":899.62,"confidence":0.9790039,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2998008131980896},{"word":"and","start":899.92004,"end":900.32,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30195653438568115},{"word":"a","start":900.32,"end":900.48004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2582017481327057},{"word":"power","start":900.48004,"end":900.80005,"confidence":1.0,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.2604283392429352},{"word":"of","start":900.80005,"end":901.04004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23655183613300323},{"word":"attorney","start":901.04004,"end":901.54004,"confidence":0.99902344,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.2371176481246948},{"word":"it's","start":901.76,"end":901.92004,"confidence":0.9897461,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4602851867675781},{"word":"just","start":901.92004,"end":902.16003,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4885726571083069},{"word":"there","start":902.16003,"end":902.4,"confidence":0.921875,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.530319094657898},{"word":"for","start":902.4,"end":902.64,"confidence":0.9980469,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5054595470428467},{"word":"you","start":902.64,"end":902.80005,"confidence":0.892334,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.45508354902267456},{"word":"it","start":902.80005,"end":902.96,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5960743427276611},{"word":"is","start":902.96,"end":903.12,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5087997317314148},{"word":"something","start":903.12,"end":903.44,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.5927357077598572},{"word":"i","start":903.44,"end":903.60004,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6373163461685181},{"word":"always","start":903.60004,"end":903.84,"confidence":1.0,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.6538456082344055},{"word":"recommend","start":903.84,"end":904.32,"confidence":1.0,"punctuated_word":"recommend","sentiment":"positive","sentiment_score":0.6297327280044556},{"word":"everyone","start":904.32,"end":904.82,"confidence":0.9951172,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.6378348469734192},{"word":"to","start":904.96,"end":905.28,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5598509907722473},{"word":"consider","start":905.28,"end":905.78,"confidence":0.9946289,"punctuated_word":"consider.","sentiment":"positive","sentiment_score":0.4699418842792511},{"word":"so","start":906.335,"end":906.655,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35827088356018066},{"word":"just","start":906.655,"end":906.735,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3702600598335266},{"word":"for","start":906.735,"end":907.055,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2801763117313385},{"word":"your","start":907.055,"end":907.295,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2640359103679657},{"word":"reference","start":907.295,"end":907.775,"confidence":0.9995117,"punctuated_word":"reference,","sentiment":"neutral","sentiment_score":0.3086795210838318},{"word":"i","start":907.775,"end":907.935,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.40759941935539246},{"word":"have","start":907.935,"end":908.255,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34641289710998535},{"word":"included","start":908.255,"end":908.755,"confidence":1.0,"punctuated_word":"included","sentiment":"positive","sentiment_score":0.3450644314289093},{"word":"some","start":908.895,"end":909.295,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2374296486377716},{"word":"information","start":909.295,"end":909.795,"confidence":0.7519531,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.2174275666475296},{"word":"in","start":910.09503,"end":910.255,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22084572911262512},{"word":"regards","start":910.255,"end":910.735,"confidence":0.9970703,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.2142765372991562},{"word":"to","start":910.735,"end":910.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27140066027641296},{"word":"a","start":910.895,"end":911.055,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23683211207389832},{"word":"will","start":911.055,"end":911.555,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.222790002822876},{"word":"and","start":911.775,"end":912.09503,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25530174374580383},{"word":"power","start":912.09503,"end":912.335,"confidence":0.98828125,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.22464896738529205},{"word":"of","start":912.335,"end":912.495,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21700528264045715},{"word":"attorney","start":912.495,"end":912.975,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.18426713347435},{"word":"in","start":912.975,"end":913.215,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2486804276704788},{"word":"the","start":913.215,"end":913.375,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30194467306137085},{"word":"document","start":913.375,"end":913.875,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.24365679919719696},{"word":"as","start":914.015,"end":914.175,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3526073098182678},{"word":"well","start":914.175,"end":914.675,"confidence":0.93237305,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.33338892459869385},{"word":"which","start":914.895,"end":915.215,"confidence":0.6516113,"punctuated_word":"which,","sentiment":"positive","sentiment_score":0.34522002935409546},{"word":"again","start":915.215,"end":915.455,"confidence":1.0,"punctuated_word":"again,","sentiment":"positive","sentiment_score":0.3592279553413391},{"word":"you","start":915.455,"end":915.615,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.422842800617218},{"word":"can","start":915.615,"end":915.775,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.37586015462875366},{"word":"obviously","start":915.775,"end":916.175,"confidence":0.91845703,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.42678824067115784},{"word":"take","start":916.175,"end":916.335,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.4413743615150452},{"word":"your","start":916.335,"end":916.575,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3762187957763672},{"word":"time","start":916.575,"end":916.735,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.352886825799942},{"word":"and","start":916.735,"end":916.895,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35358020663261414},{"word":"have","start":916.895,"end":917.055,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.39517703652381897},{"word":"a","start":917.055,"end":917.295,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3472070097923279},{"word":"read","start":917.295,"end":917.53503,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.27832382917404175},{"word":"through","start":917.53503,"end":917.695,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.32037293910980225},{"word":"because","start":917.695,"end":918.015,"confidence":0.87841797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.32093364000320435},{"word":"it","start":918.015,"end":918.175,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37090712785720825},{"word":"does","start":918.175,"end":918.335,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.34761276841163635},{"word":"go","start":918.335,"end":918.655,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3689521253108978},{"word":"into","start":918.655,"end":918.975,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2982925474643707},{"word":"a","start":918.975,"end":919.135,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3479633629322052},{"word":"bit","start":919.135,"end":919.375,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2838464379310608},{"word":"more","start":919.375,"end":919.695,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.22402678430080417},{"word":"detail","start":919.695,"end":920.195,"confidence":0.8515625,"punctuated_word":"detail,","sentiment":"neutral","sentiment_score":0.29291707277297974},{"word":"like","start":920.64996,"end":920.89,"confidence":0.9873047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.33220407366752625},{"word":"benefits","start":920.89,"end":921.39,"confidence":0.74560547,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.25431254506111145},{"word":"of","start":921.45,"end":921.61,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3610382676124573},{"word":"the","start":921.61,"end":921.77,"confidence":0.9589844,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3528454303741455},{"word":"will","start":921.77,"end":922.08997,"confidence":0.9921875,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3611965775489807},{"word":"and","start":922.08997,"end":922.41,"confidence":0.9707031,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3795692026615143},{"word":"different","start":922.41,"end":922.81,"confidence":0.6323242,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.29936060309410095},{"word":"types","start":922.81,"end":923.13,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.19626103341579437},{"word":"of","start":923.13,"end":923.29,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28749290108680725},{"word":"power","start":923.29,"end":923.61,"confidence":0.99902344,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.2424752712249756},{"word":"of","start":923.61,"end":923.69,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2480306178331375},{"word":"attorney","start":923.69,"end":924.17,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.1900060921907425},{"word":"and","start":924.17,"end":924.33,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2527961730957031},{"word":"stuff","start":924.33,"end":924.64996,"confidence":1.0,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.2432609796524048},{"word":"like","start":924.64996,"end":924.81,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.31266388297080994},{"word":"that","start":924.81,"end":925.05,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3531612455844879},{"word":"as","start":925.05,"end":925.20996,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3854740262031555},{"word":"well","start":925.20996,"end":925.70996,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3100157380104065},{"word":"now","start":929.05,"end":929.52997,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2275470495223999},{"word":"the","start":929.52997,"end":929.77,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.221592515707016},{"word":"last","start":929.77,"end":929.93,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16366025805473328},{"word":"thing","start":929.93,"end":930.17,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2553970515727997},{"word":"i","start":930.17,"end":930.33,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18902702629566193},{"word":"do","start":930.33,"end":930.49,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18419575691223145},{"word":"wanna","start":930.49,"end":930.73,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.21132975816726685},{"word":"mention","start":930.73,"end":931.23,"confidence":0.99902344,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.21170274913311005},{"word":"is","start":931.61,"end":932.11,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21892395615577695},{"word":"the","start":932.89,"end":933.20996,"confidence":0.79833984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27887850999832153},{"word":"remuneration","start":933.20996,"end":933.70996,"confidence":0.9741211,"punctuated_word":"remuneration.","sentiment":"neutral","sentiment_score":0.18082091212272644},{"word":"no","start":934.725,"end":934.96497,"confidence":1.0,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.233127623796463},{"word":"changes","start":934.96497,"end":935.46497,"confidence":0.8977051,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.23157182335853577},{"word":"like","start":935.52496,"end":935.685,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4083345830440521},{"word":"i","start":935.685,"end":935.845,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2939179837703705},{"word":"said","start":935.845,"end":936.005,"confidence":0.9753418,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.32767266035079956},{"word":"in","start":936.005,"end":936.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27421215176582336},{"word":"the","start":936.125,"end":936.245,"confidence":0.8964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3104274272918701},{"word":"under","start":936.245,"end":936.485,"confidence":0.9394531,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2615499198436737},{"word":"review","start":936.485,"end":936.885,"confidence":0.91748047,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.26288047432899475},{"word":"at","start":936.885,"end":937.125,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2982207238674164},{"word":"all","start":937.125,"end":937.625,"confidence":0.9975586,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.33720123767852783},{"word":"it","start":937.765,"end":938.005,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4119599759578705},{"word":"stays","start":938.005,"end":938.40497,"confidence":0.9921875,"punctuated_word":"stays","sentiment":"positive","sentiment_score":0.4817260205745697},{"word":"exactly","start":938.40497,"end":938.885,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.608657717704773},{"word":"the","start":938.885,"end":939.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5423872470855713},{"word":"same","start":939.045,"end":939.365,"confidence":0.99902344,"punctuated_word":"same.","sentiment":"positive","sentiment_score":0.5366476774215698},{"word":"there's","start":939.365,"end":939.685,"confidence":0.9995117,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.3221634030342102},{"word":"no","start":939.685,"end":940.185,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.31112736463546753},{"word":"additional","start":940.245,"end":940.745,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.17605802416801453},{"word":"fees","start":940.96497,"end":941.365,"confidence":0.9819336,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.2980941832065582},{"word":"or","start":941.365,"end":941.605,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2421563416719437},{"word":"charges","start":941.605,"end":942.105,"confidence":0.99902344,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.18546125292778015},{"word":"if","start":942.485,"end":942.985,"confidence":0.88964844,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4469510614871979},{"word":"you","start":943.365,"end":943.605,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5007708072662354},{"word":"are","start":943.605,"end":943.765,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4447583258152008},{"word":"happy","start":943.765,"end":944.165,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4336623251438141},{"word":"when","start":944.165,"end":944.40497,"confidence":0.91748047,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.5477111339569092},{"word":"you","start":944.40497,"end":944.565,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4991566836833954},{"word":"have","start":944.565,"end":944.64496,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5103230476379395},{"word":"a","start":944.64496,"end":944.805,"confidence":0.9326172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4780707359313965},{"word":"read","start":944.805,"end":944.96497,"confidence":0.93359375,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.42074164748191833},{"word":"over","start":944.96497,"end":945.20496,"confidence":0.78027344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4499109089374542},{"word":"everything","start":945.20496,"end":945.685,"confidence":0.9951172,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4981120526790619},{"word":"to","start":945.685,"end":945.925,"confidence":0.9863281,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4550760686397553},{"word":"go","start":945.925,"end":946.165,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4930679202079773},{"word":"through","start":946.165,"end":946.40497,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5450869202613831},{"word":"the","start":946.40497,"end":946.64496,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5224364399909973},{"word":"recommendation","start":946.64496,"end":947.14496,"confidence":0.9182129,"punctuated_word":"recommendation.","sentiment":"positive","sentiment_score":0.4536755681037903},{"word":"so","start":947.88995,"end":948.05,"confidence":0.9902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3552030026912689},{"word":"there's","start":948.05,"end":948.20996,"confidence":1.0,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.3444584310054779},{"word":"no","start":948.20996,"end":948.52997,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.32753419876098633},{"word":"additional","start":948.52997,"end":949.01,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.15372547507286072},{"word":"fees","start":949.01,"end":949.25,"confidence":0.98828125,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.27496427297592163},{"word":"or","start":949.25,"end":949.57,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.22216111421585083},{"word":"charges","start":949.57,"end":950.07,"confidence":1.0,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.14373907446861267},{"word":"for","start":950.13,"end":950.37,"confidence":0.8125,"punctuated_word":"for,","sentiment":"positive","sentiment_score":0.35897353291511536},{"word":"obviously","start":950.37,"end":950.76996,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.4067479372024536},{"word":"the","start":950.76996,"end":950.93,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3721998333930969},{"word":"research","start":950.93,"end":951.43,"confidence":0.81933594,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.3251986503601074},{"word":"or","start":951.49,"end":951.64996,"confidence":0.93115234,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.35028088092803955},{"word":"to","start":951.64996,"end":951.88995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4048387408256531},{"word":"implement","start":951.88995,"end":952.38995,"confidence":1.0,"punctuated_word":"implement","sentiment":"positive","sentiment_score":0.3665560185909271},{"word":"this","start":952.52997,"end":952.76996,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4546857476234436},{"word":"investment","start":952.76996,"end":953.25,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.3080068528652191},{"word":"change","start":953.25,"end":953.64996,"confidence":0.99902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.4345359206199646},{"word":"if","start":953.64996,"end":953.81,"confidence":0.87353516,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.5347625017166138},{"word":"you","start":953.81,"end":953.88995,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5312865972518921},{"word":"are","start":953.88995,"end":954.13,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5070277452468872},{"word":"happy","start":954.13,"end":954.52997,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.44791823625564575},{"word":"to","start":954.52997,"end":954.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4995065927505493},{"word":"go","start":954.61,"end":954.85,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4865250289440155},{"word":"ahead","start":954.85,"end":955.35,"confidence":0.9580078,"punctuated_word":"ahead.","sentiment":"positive","sentiment_score":0.4724133610725403},{"word":"that","start":955.73,"end":955.97,"confidence":0.99902344,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4295015335083008},{"word":"is","start":955.97,"end":956.20996,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4341551661491394},{"word":"all","start":956.20996,"end":956.44995,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5104806423187256},{"word":"part","start":956.44995,"end":956.76996,"confidence":1.0,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.5196210145950317},{"word":"of","start":956.76996,"end":957.01,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5558530688285828},{"word":"that","start":957.01,"end":957.25,"confidence":0.9770508,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5401402711868286},{"word":"ongoing","start":957.25,"end":957.75,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.5956892967224121},{"word":"service","start":957.81,"end":958.29,"confidence":0.7841797,"punctuated_word":"service.","sentiment":"positive","sentiment_score":0.44723987579345703},{"word":"so","start":958.29,"end":958.52997,"confidence":0.9707031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24422521889209747},{"word":"no","start":958.52997,"end":958.76996,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2393167614936829},{"word":"additional","start":958.76996,"end":959.26996,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.10466431826353072},{"word":"fees","start":959.32996,"end":959.57,"confidence":0.99316406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.21968340873718264},{"word":"or","start":959.57,"end":959.73,"confidence":0.97509766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.26921895146369934},{"word":"charges","start":959.73,"end":960.23,"confidence":1.0,"punctuated_word":"charges","sentiment":"neutral","sentiment_score":0.13310375809669495},{"word":"at","start":960.29,"end":960.44995,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3640612661838531},{"word":"all","start":960.44995,"end":960.855,"confidence":0.99609375,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.2707926034927368},{"word":"yeah","start":963.89496,"end":964.39496,"confidence":0.8972168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1104503870010376},{"word":"now","start":964.77496,"end":965.27496,"confidence":0.9941406,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08513019979000092},{"word":"at","start":965.65497,"end":965.89496,"confidence":0.89208984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08788943290710449},{"word":"this","start":965.89496,"end":966.21497,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07416458427906036},{"word":"point","start":966.21497,"end":966.71497,"confidence":0.99853516,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.0791407972574234},{"word":"do","start":966.855,"end":967.01495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.061157338321208954},{"word":"you","start":967.01495,"end":967.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07297665625810623},{"word":"have","start":967.175,"end":967.495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06316089630126953},{"word":"any","start":967.495,"end":967.89496,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07801145315170288},{"word":"questions","start":967.89496,"end":968.39496,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05497897416353226},{"word":"for","start":969.415,"end":969.65497,"confidence":0.6748047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04034829884767532},{"word":"me","start":969.65497,"end":970.15497,"confidence":1.0,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.044121041893959045},{"word":"no","start":973.19,"end":973.67,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0721055194735527},{"word":"okay","start":973.67,"end":974.17,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07605176419019699},{"word":"yes","start":977.75,"end":978.25,"confidence":0.9975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0714021623134613},{"word":"yes","start":978.39,"end":978.87,"confidence":0.99365234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0845736414194107},{"word":"please","start":978.87,"end":979.27,"confidence":0.99316406,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.0816851556301117},{"word":"do","start":979.27,"end":979.67,"confidence":0.98413086,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.06985343992710114},{"word":"so","start":979.67,"end":980.17,"confidence":0.88720703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03861997276544571},{"word":"correct","start":982.39,"end":982.89,"confidence":0.9812012,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.05765534192323685},{"word":"either","start":983.19,"end":983.51,"confidence":0.99902344,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":0.06771102547645569},{"word":"way","start":983.51,"end":983.83,"confidence":0.91381836,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.08859245479106903},{"word":"so","start":983.83,"end":984.15,"confidence":0.81396484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09842182695865632},{"word":"i","start":984.15,"end":984.31,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12044988572597504},{"word":"have","start":984.31,"end":984.55,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1177181676030159},{"word":"sent","start":984.55,"end":984.71,"confidence":0.6845703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.13707904517650604},{"word":"you","start":984.71,"end":984.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16252300143241882},{"word":"that","start":984.87,"end":985.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1436302363872528},{"word":"document","start":985.11,"end":985.61,"confidence":0.9875488,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.1612863391637802},{"word":"have","start":986.02496,"end":986.185,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.17185257375240326},{"word":"a","start":986.185,"end":986.26495,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1959453672170639},{"word":"have","start":986.26495,"end":986.58496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16063818335533142},{"word":"a","start":986.58496,"end":986.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.173148974776268},{"word":"read","start":986.745,"end":986.985,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.13847866654396057},{"word":"over","start":986.985,"end":987.225,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16856417059898376},{"word":"it","start":987.225,"end":987.625,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1930953711271286},{"word":"when","start":987.625,"end":987.785,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18682321906089783},{"word":"you","start":987.785,"end":987.94495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17227667570114136},{"word":"have","start":987.94495,"end":988.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1698727160692215},{"word":"a","start":988.105,"end":988.185,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17947319149971008},{"word":"moment","start":988.185,"end":988.685,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1823931336402893},{"word":"now","start":989.065,"end":989.305,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.18460635840892792},{"word":"i","start":989.305,"end":989.46497,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15052416920661926},{"word":"do","start":989.46497,"end":989.70496,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15038025379180908},{"word":"also","start":989.70496,"end":990.02496,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1500934362411499},{"word":"wanna","start":990.02496,"end":990.345,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16831618547439575},{"word":"point","start":990.345,"end":990.665,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.1419825702905655},{"word":"out","start":990.665,"end":990.985,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15703871846199036},{"word":"that","start":990.985,"end":991.225,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14979270100593567},{"word":"on","start":991.225,"end":991.38495,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13144463300704956},{"word":"the","start":991.38495,"end":991.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12758111953735352},{"word":"cover","start":991.625,"end":992.02496,"confidence":0.9838867,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.11602332442998886},{"word":"page","start":992.02496,"end":992.425,"confidence":0.99560547,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.18251344561576843},{"word":"you","start":992.425,"end":992.665,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19730329513549805},{"word":"can","start":992.665,"end":992.90497,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21199826896190643},{"word":"see","start":992.90497,"end":993.14496,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.25226274132728577},{"word":"that","start":993.14496,"end":993.38495,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2488834261894226},{"word":"this","start":993.38495,"end":993.545,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2768070101737976},{"word":"has","start":993.545,"end":993.785,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3426033556461334},{"word":"been","start":993.785,"end":994.02496,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4457121193408966},{"word":"tailored","start":994.02496,"end":994.50494,"confidence":1.0,"punctuated_word":"tailored","sentiment":"positive","sentiment_score":0.3339179456233978},{"word":"specifically","start":994.50494,"end":995.00494,"confidence":1.0,"punctuated_word":"specifically","sentiment":"positive","sentiment_score":0.43113911151885986},{"word":"for","start":995.225,"end":995.46497,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3916372954845429},{"word":"you","start":995.46497,"end":995.96497,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2852635383605957},{"word":"you","start":996.185,"end":996.345,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.181733638048172},{"word":"can","start":996.345,"end":996.58496,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18527059257030487},{"word":"see","start":996.58496,"end":996.745,"confidence":0.86865234,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.20886242389678955},{"word":"obviously","start":996.745,"end":997.14496,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.20437705516815183},{"word":"all","start":997.14496,"end":997.305,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1982673555612564},{"word":"the","start":997.305,"end":997.545,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1684805303812027},{"word":"oakview","start":997.545,"end":998.045,"confidence":0.7878418,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.17207486927509308},{"word":"information","start":998.345,"end":998.845,"confidence":0.6411133,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.15924954414367676},{"word":"so","start":998.985,"end":999.14496,"confidence":0.9375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15916450321674347},{"word":"where","start":999.14496,"end":999.38495,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1294848620891571},{"word":"we're","start":999.38495,"end":999.625,"confidence":0.75683594,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12508907914161682},{"word":"located","start":999.625,"end":1000.125,"confidence":0.9316406,"punctuated_word":"located,","sentiment":"neutral","sentiment_score":0.1172495037317276},{"word":"our","start":1001.5,"end":1001.58,"confidence":0.97998047,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.19297462701797485},{"word":"afsl","start":1001.58,"end":1002.08,"confidence":0.88256836,"punctuated_word":"AFSL","sentiment":"neutral","sentiment_score":0.11168889701366425},{"word":"license","start":1002.3,"end":1002.8,"confidence":0.9716797,"punctuated_word":"license,","sentiment":"neutral","sentiment_score":0.1120610386133194},{"word":"address","start":1002.94,"end":1003.44,"confidence":0.9970703,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.12094514071941376},{"word":"email","start":1003.5,"end":1003.9,"confidence":0.9995117,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.1198095679283142},{"word":"everything","start":1003.9,"end":1004.38,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1149645894765854},{"word":"like","start":1004.38,"end":1004.54,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09893576800823212},{"word":"that","start":1004.54,"end":1005.04,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15036511421203613},{"word":"you","start":1005.26,"end":1005.42,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.13295826315879822},{"word":"can","start":1005.42,"end":1005.5,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1342504918575287},{"word":"also","start":1005.5,"end":1005.82,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1097349375486374},{"word":"see","start":1005.82,"end":1006.14,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1402805596590042},{"word":"my","start":1006.14,"end":1006.64,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12659284472465515},{"word":"personal","start":1006.94,"end":1007.44,"confidence":0.77001953,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0971761718392372},{"word":"license","start":1008.77997,"end":1009.26,"confidence":0.9790039,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.08487410843372345},{"word":"number","start":1009.26,"end":1009.66,"confidence":0.9941406,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":0.13061757385730743},{"word":"my","start":1009.66,"end":1009.9,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1626146137714386},{"word":"authorized","start":1009.9,"end":1010.3,"confidence":0.9140625,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.14758217334747314},{"word":"representative","start":1010.3,"end":1010.8,"confidence":0.99902344,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.0930442288517952},{"word":"number","start":1011.02,"end":1011.5,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.10624290257692336},{"word":"listed","start":1011.5,"end":1011.82,"confidence":0.9873047,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.18255391716957092},{"word":"on","start":1011.82,"end":1011.9,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1236162930727005},{"word":"the","start":1011.9,"end":1012.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12253322452306747},{"word":"cover","start":1012.06,"end":1012.46,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.12245013564825058},{"word":"page","start":1012.46,"end":1012.96,"confidence":0.92944336,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":0.011604079976677896},{"word":"and","start":1013.60504,"end":1013.84503,"confidence":0.94628906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13076220452785492},{"word":"i","start":1013.84503,"end":1013.92505,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12542244791984558},{"word":"do","start":1013.92505,"end":1014.085,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17666949331760406},{"word":"wanna","start":1014.085,"end":1014.325,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1743580400943756},{"word":"stress","start":1014.325,"end":1014.645,"confidence":0.99902344,"punctuated_word":"stress","sentiment":"neutral","sentiment_score":0.18602147698402405},{"word":"as","start":1014.645,"end":1014.80505,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1811746060848236},{"word":"well","start":1014.80505,"end":1014.965,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.20780271291732788},{"word":"that","start":1014.965,"end":1015.125,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2472515404224396},{"word":"when","start":1015.125,"end":1015.36505,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2572864592075348},{"word":"we","start":1015.36505,"end":1015.525,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2685859203338623},{"word":"do","start":1015.525,"end":1015.765,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2815152704715729},{"word":"put","start":1015.765,"end":1016.005,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.30218565464019775},{"word":"together","start":1016.005,"end":1016.405,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.3064996302127838},{"word":"the","start":1016.405,"end":1016.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28415077924728394},{"word":"recommendation","start":1016.645,"end":1017.145,"confidence":0.76220703,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.2607111632823944},{"word":"we","start":1017.525,"end":1017.765,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2821817994117737},{"word":"always","start":1017.765,"end":1018.085,"confidence":0.9980469,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2719963788986206},{"word":"have","start":1018.085,"end":1018.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29076531529426575},{"word":"to","start":1018.325,"end":1018.48505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2465296983718872},{"word":"follow","start":1018.48505,"end":1018.885,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.2362417578697205},{"word":"that","start":1018.885,"end":1019.125,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36041030287742615},{"word":"best","start":1019.125,"end":1019.525,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1579224169254303},{"word":"interest","start":1019.525,"end":1019.92505,"confidence":0.984375,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.23064574599266052},{"word":"duty","start":1019.92505,"end":1020.42505,"confidence":0.9543457,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.32826846837997437},{"word":"which","start":1020.80505,"end":1021.04504,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.315051794052124},{"word":"is","start":1021.04504,"end":1021.36505,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2728289067745209},{"word":"making","start":1021.36505,"end":1021.685,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.29860344529151917},{"word":"sure","start":1021.685,"end":1021.92505,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.30285367369651794},{"word":"that","start":1021.92505,"end":1022.16504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30727419257164},{"word":"we","start":1022.16504,"end":1022.405,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28615182638168335},{"word":"always","start":1022.405,"end":1022.80505,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.27069199085235596},{"word":"take","start":1022.80505,"end":1023.30505,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2859715223312378},{"word":"your","start":1023.36505,"end":1023.685,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24297671020030975},{"word":"best","start":1023.685,"end":1024.0851,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.14369595050811768},{"word":"interest","start":1024.0851,"end":1024.5851,"confidence":0.9394531,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.26108497381210327},{"word":"before","start":1025.045,"end":1025.545,"confidence":0.9980469,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2790084183216095},{"word":"anything","start":1025.605,"end":1026.105,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2840994596481323},{"word":"else","start":1026.165,"end":1026.665,"confidence":0.70458984,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.16307196021080017},{"word":"and","start":1027.0901,"end":1027.41,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1949560344219208},{"word":"that","start":1027.41,"end":1027.65,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24844640493392944},{"word":"the","start":1027.65,"end":1027.89,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23701563477516177},{"word":"advice","start":1027.89,"end":1028.37,"confidence":0.9921875,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.22782954573631287},{"word":"itself","start":1028.37,"end":1028.87,"confidence":0.99902344,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.2447468340396881},{"word":"has","start":1029.41,"end":1029.65,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2219521552324295},{"word":"to","start":1029.65,"end":1029.81,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2131978869438171},{"word":"put","start":1029.81,"end":1030.13,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2797567844390869},{"word":"you","start":1030.13,"end":1030.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2907896637916565},{"word":"in","start":1030.53,"end":1030.6901,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31489259004592896},{"word":"a","start":1030.6901,"end":1030.8501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2648106813430786},{"word":"better","start":1030.8501,"end":1031.17,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.16188088059425354},{"word":"position","start":1031.17,"end":1031.67,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.26598384976387024},{"word":"as","start":1032.4501,"end":1032.6901,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2566556930541992},{"word":"a","start":1032.6901,"end":1032.8501,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26720720529556274},{"word":"result","start":1032.8501,"end":1033.3301,"confidence":1.0,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.24417850375175476},{"word":"of","start":1033.3301,"end":1033.5701,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2788434326648712},{"word":"the","start":1033.5701,"end":1033.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23064379394054413},{"word":"advice","start":1033.81,"end":1034.31,"confidence":0.8781738,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.09723736345767976},{"word":"otherwise","start":1034.53,"end":1034.93,"confidence":0.9995117,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.2169647216796875},{"word":"we","start":1034.93,"end":1035.17,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.22536437213420868},{"word":"can't","start":1035.17,"end":1035.4901,"confidence":0.9980469,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.23527376353740692},{"word":"actually","start":1035.4901,"end":1035.9701,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.23593515157699585},{"word":"make","start":1035.9701,"end":1036.2101,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.267431378364563},{"word":"the","start":1036.2101,"end":1036.4501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13506336510181427},{"word":"recommendation","start":1036.4501,"end":1036.9501,"confidence":0.9916992,"punctuated_word":"recommendation.","sentiment":"neutral","sentiment_score":-0.19701740145683289},{"word":"and","start":1037.9701,"end":1038.2101,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2299098968505859},{"word":"if","start":1038.2101,"end":1038.4501,"confidence":0.99902344,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.37553635239601135},{"word":"i","start":1038.4501,"end":1038.77,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.46566933393478394},{"word":"don't","start":1038.77,"end":1039.17,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.513573169708252},{"word":"act","start":1039.17,"end":1039.41,"confidence":0.99902344,"punctuated_word":"act","sentiment":"negative","sentiment_score":-0.5856395363807678},{"word":"in","start":1039.41,"end":1039.5701,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5848139524459839},{"word":"your","start":1039.5701,"end":1039.89,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5599249005317688},{"word":"best","start":1039.89,"end":1040.13,"confidence":1.0,"punctuated_word":"best","sentiment":"negative","sentiment_score":-0.3836261034011841},{"word":"interest","start":1040.13,"end":1040.53,"confidence":0.9951172,"punctuated_word":"interest,","sentiment":"negative","sentiment_score":-0.40461498498916626},{"word":"then","start":1040.53,"end":1040.77,"confidence":0.9980469,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.5602028369903564},{"word":"i","start":1040.77,"end":1040.8501,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6411212682723999},{"word":"will","start":1040.8501,"end":1041.0901,"confidence":1.0,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.6509202718734741},{"word":"lose","start":1041.0901,"end":1041.41,"confidence":1.0,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.5787755846977234},{"word":"my","start":1041.41,"end":1041.65,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.6176810264587402},{"word":"license","start":1041.65,"end":1042.15,"confidence":0.9975586,"punctuated_word":"license.","sentiment":"negative","sentiment_score":-0.5522775650024414},{"word":"if","start":1042.6549,"end":1042.815,"confidence":1.0,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.4346060454845429},{"word":"i","start":1042.815,"end":1042.975,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4475213885307312},{"word":"lose","start":1042.975,"end":1043.215,"confidence":0.9902344,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.4992232620716095},{"word":"my","start":1043.215,"end":1043.455,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.533505380153656},{"word":"license","start":1043.455,"end":1043.9349,"confidence":0.9980469,"punctuated_word":"license,","sentiment":"negative","sentiment_score":-0.4818077385425568},{"word":"my","start":1043.9349,"end":1044.255,"confidence":0.9980469,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.5906053185462952},{"word":"i","start":1044.335,"end":1044.495,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6115723252296448},{"word":"will","start":1044.495,"end":1044.735,"confidence":0.99902344,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.545903742313385},{"word":"lose","start":1044.735,"end":1044.975,"confidence":1.0,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.5054720640182495},{"word":"my","start":1044.975,"end":1045.215,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.5968350768089294},{"word":"job","start":1045.215,"end":1045.5349,"confidence":0.9460449,"punctuated_word":"job,","sentiment":"negative","sentiment_score":-0.4922908544540405},{"word":"and","start":1045.5349,"end":1045.695,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.5377237796783447},{"word":"my","start":1045.695,"end":1045.855,"confidence":1.0,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.6517687439918518},{"word":"husband","start":1045.855,"end":1046.1749,"confidence":0.9790039,"punctuated_word":"husband","sentiment":"negative","sentiment_score":-0.6652947068214417},{"word":"at","start":1046.1749,"end":1046.255,"confidence":0.9448242,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.6080809831619263},{"word":"home","start":1046.255,"end":1046.4149,"confidence":0.9941406,"punctuated_word":"home","sentiment":"negative","sentiment_score":-0.5362885594367981},{"word":"won't","start":1046.4149,"end":1046.6549,"confidence":0.9794922,"punctuated_word":"won't","sentiment":"negative","sentiment_score":-0.5691095590591431},{"word":"be","start":1046.6549,"end":1046.735,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6338472962379456},{"word":"too","start":1046.735,"end":1046.975,"confidence":0.99609375,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.526262640953064},{"word":"happy","start":1046.975,"end":1047.215,"confidence":1.0,"punctuated_word":"happy","sentiment":"negative","sentiment_score":-0.5427674651145935},{"word":"with","start":1047.215,"end":1047.455,"confidence":0.99902344,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5689973831176758},{"word":"me","start":1047.455,"end":1047.9349,"confidence":0.99365234,"punctuated_word":"me.","sentiment":"negative","sentiment_score":-0.4680432379245758},{"word":"so","start":1047.9349,"end":1048.0149,"confidence":0.46044922,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.14432719349861145},{"word":"there's","start":1048.0149,"end":1048.495,"confidence":0.97802734,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.14254866540431976},{"word":"there's","start":1048.495,"end":1048.735,"confidence":0.97631836,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.10482341051101685},{"word":"a","start":1048.735,"end":1048.8949,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05844191461801529},{"word":"lot","start":1048.8949,"end":1049.135,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09565645456314088},{"word":"in","start":1049.135,"end":1049.2949,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.044373974204063416},{"word":"place","start":1049.2949,"end":1049.7949,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.01023004949092865},{"word":"to","start":1050.0149,"end":1050.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11083563417196274},{"word":"protect","start":1050.495,"end":1050.995,"confidence":1.0,"punctuated_word":"protect","sentiment":"neutral","sentiment_score":-0.14484915137290957},{"word":"you","start":1051.0549,"end":1051.375,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10913240909576416},{"word":"at","start":1051.375,"end":1051.5349,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1353985220193863},{"word":"the","start":1051.5349,"end":1051.695,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1266094446182251},{"word":"end","start":1051.695,"end":1051.855,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.0970669835805893},{"word":"of","start":1051.855,"end":1052.0149,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11479585617780684},{"word":"the","start":1052.0149,"end":1052.1749,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0998023971915245},{"word":"day","start":1052.1749,"end":1052.4149,"confidence":1.0,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.14595875144004822},{"word":"okay","start":1052.4149,"end":1052.9149,"confidence":0.99853516,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0476246252655983},{"word":"that's","start":1056.6699,"end":1057.07,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3728736639022827},{"word":"okay","start":1057.07,"end":1057.5499,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.35310879349708557},{"word":"now","start":1057.5499,"end":1057.7899,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.29841819405555725},{"word":"it","start":1057.7899,"end":1057.87,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32112616300582886},{"word":"is","start":1057.87,"end":1058.11,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.274057000875473},{"word":"also","start":1058.11,"end":1058.59,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2782498300075531},{"word":"valid","start":1058.59,"end":1059.07,"confidence":0.99902344,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.3027026057243347},{"word":"for","start":1059.07,"end":1059.3099,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2624708116054535},{"word":"a","start":1059.3099,"end":1059.39,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2837223708629608},{"word":"little","start":1059.39,"end":1059.63,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.26386168599128723},{"word":"bit","start":1059.63,"end":1059.95,"confidence":0.82470703,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.239476278424263},{"word":"so","start":1059.95,"end":1060.27,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2330363690853119},{"word":"it","start":1060.27,"end":1060.4299,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24792832136154175},{"word":"is","start":1060.4299,"end":1060.75,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20152868330478668},{"word":"valid","start":1060.75,"end":1061.15,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.2405849397182465},{"word":"for","start":1061.15,"end":1061.47,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2598484754562378},{"word":"sixty","start":1061.47,"end":1061.7899,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.3231941759586334},{"word":"days","start":1061.7899,"end":1062.2899,"confidence":0.97875977,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.2549184560775757},{"word":"so","start":1062.59,"end":1062.83,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24739155173301697},{"word":"you","start":1062.83,"end":1063.07,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2234565317630768},{"word":"have","start":1063.07,"end":1063.23,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2178337574005127},{"word":"a","start":1063.23,"end":1063.3099,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21845123171806335},{"word":"bit","start":1063.3099,"end":1063.47,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.22889071702957153},{"word":"of","start":1063.47,"end":1063.71,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19155168533325195},{"word":"time","start":1063.71,"end":1063.95,"confidence":0.9951172,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.22627708315849304},{"word":"to","start":1063.95,"end":1064.11,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21224892139434817},{"word":"obviously","start":1064.11,"end":1064.59,"confidence":0.7758789,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1516318321228027},{"word":"have","start":1064.59,"end":1064.83,"confidence":0.98535156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16394291818141937},{"word":"a","start":1064.83,"end":1064.9099,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1606428027153015},{"word":"read","start":1064.9099,"end":1065.39,"confidence":0.96972656,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.15894150733947754},{"word":"over","start":1065.39,"end":1065.63,"confidence":0.9873047,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12075144052505492},{"word":"it","start":1065.63,"end":1066.13,"confidence":0.98291016,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13183128833770752},{"word":"now","start":1066.6699,"end":1067.1699,"confidence":0.69091797,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.10898380726575851},{"word":"obviously","start":1067.725,"end":1067.885,"confidence":0.91503906,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.11161866784095764},{"word":"because","start":1067.885,"end":1068.2849,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08344368636608124},{"word":"benelung","start":1068.2849,"end":1068.7849,"confidence":0.58894855,"punctuated_word":"Benelung","sentiment":"neutral","sentiment_score":0.004640932194888592},{"word":"is","start":1068.845,"end":1069.005,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11360203474760056},{"word":"underperforming","start":1069.005,"end":1069.505,"confidence":0.9941406,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.10583042353391647},{"word":"a","start":1069.885,"end":1069.965,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10516467690467834},{"word":"little","start":1069.965,"end":1070.2849,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.036049894988536835},{"word":"bit","start":1070.2849,"end":1070.445,"confidence":0.9719238,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.05306745693087578},{"word":"we","start":1070.445,"end":1070.605,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0692153349518776},{"word":"do","start":1070.605,"end":1070.845,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09666449576616289},{"word":"wanna","start":1070.845,"end":1071.1649,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1259806603193283},{"word":"obviously","start":1071.1649,"end":1071.565,"confidence":0.8857422,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.03549947589635849},{"word":"change","start":1071.565,"end":1071.965,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.055795639753341675},{"word":"that","start":1071.965,"end":1072.365,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.027185596525669094},{"word":"over","start":1072.365,"end":1072.865,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04090730100870133},{"word":"through","start":1073.565,"end":1074.065,"confidence":0.5830078,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10149788111448288},{"word":"keep","start":1074.2849,"end":1074.7649,"confidence":0.87353516,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.19951175153255463},{"word":"rolling","start":1074.7649,"end":1075.085,"confidence":0.83251953,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.20302627980709076},{"word":"your","start":1075.085,"end":1075.245,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13329839706420898},{"word":"super","start":1075.245,"end":1075.565,"confidence":0.7973633,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24438220262527463},{"word":"as","start":1075.565,"end":1075.725,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16769731044769287},{"word":"much","start":1075.725,"end":1075.965,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.12479273229837418},{"word":"as","start":1075.965,"end":1076.205,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14371874928474426},{"word":"possible","start":1076.205,"end":1076.705,"confidence":0.9914551,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.14003339409828186},{"word":"but","start":1076.7649,"end":1076.9249,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1401151567697525},{"word":"you","start":1076.9249,"end":1077.1649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09993673861026764},{"word":"do","start":1077.1649,"end":1077.4049,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12917567789554596},{"word":"have","start":1077.4049,"end":1077.6449,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06833863258361816},{"word":"time","start":1077.6449,"end":1078.1449,"confidence":0.99902344,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03186778351664543},{"word":"but","start":1078.365,"end":1078.605,"confidence":0.703125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15159644186496735},{"word":"when","start":1078.605,"end":1078.845,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1218695417046547},{"word":"you","start":1078.845,"end":1079.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15814776718616486},{"word":"have","start":1079.005,"end":1079.1649,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16312524676322937},{"word":"a","start":1079.1649,"end":1079.325,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16145527362823486},{"word":"moment","start":1079.325,"end":1079.825,"confidence":0.99902344,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.17347416281700134},{"word":"have","start":1079.965,"end":1080.125,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1500505954027176},{"word":"a","start":1080.125,"end":1080.2849,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1320863664150238},{"word":"read","start":1080.2849,"end":1080.5249,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.0995352938771248},{"word":"through","start":1080.5249,"end":1080.845,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0924656093120575},{"word":"the","start":1080.845,"end":1081.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08704216778278351},{"word":"document","start":1081.005,"end":1081.505,"confidence":0.8366699,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.10627610236406326},{"word":"if","start":1082.0,"end":1082.0801,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19257432222366333},{"word":"you","start":1082.0801,"end":1082.3201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15407386422157288},{"word":"have","start":1082.3201,"end":1082.4,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1722440868616104},{"word":"any","start":1082.4,"end":1082.8,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1862078160047531},{"word":"questions","start":1082.8,"end":1083.28,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1604861617088318},{"word":"at","start":1083.28,"end":1083.4401,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1536020040512085},{"word":"all","start":1083.4401,"end":1083.8401,"confidence":0.9921875,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.1603887677192688},{"word":"just","start":1083.8401,"end":1084.16,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1525871753692627},{"word":"call","start":1084.16,"end":1084.4801,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1542506068944931},{"word":"the","start":1084.4801,"end":1084.8,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13254474103450775},{"word":"call","start":1084.8,"end":1085.04,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1382620930671692},{"word":"the","start":1085.04,"end":1085.2001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1441470831632614},{"word":"office","start":1085.2001,"end":1085.6001,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.15955331921577454},{"word":"and","start":1085.6001,"end":1085.76,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1558723747730255},{"word":"ask","start":1085.76,"end":1086.0801,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.1545195430517197},{"word":"me","start":1086.0801,"end":1086.24,"confidence":0.9941406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12508955597877502},{"word":"or","start":1086.24,"end":1086.4801,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10645347833633424},{"word":"send","start":1086.4801,"end":1086.7201,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1267140805721283},{"word":"me","start":1086.7201,"end":1086.9601,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1309586763381958},{"word":"an","start":1086.9601,"end":1087.2001,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13600684702396393},{"word":"email","start":1087.2001,"end":1087.68,"confidence":0.9091797,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.1218053251504898},{"word":"that","start":1087.68,"end":1087.92,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.3325939178466797},{"word":"is","start":1087.92,"end":1088.0801,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3006296157836914},{"word":"perfectly","start":1088.0801,"end":1088.5801,"confidence":1.0,"punctuated_word":"perfectly","sentiment":"positive","sentiment_score":0.34726694226264954},{"word":"fine","start":1088.7201,"end":1089.2201,"confidence":0.97680664,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.28739598393440247},{"word":"or","start":1090.0801,"end":1090.3201,"confidence":0.68408203,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.289852499961853},{"word":"if","start":1090.3201,"end":1090.4801,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3159294128417969},{"word":"you","start":1090.4801,"end":1090.7201,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34097662568092346},{"word":"do","start":1090.7201,"end":1090.88,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3107147216796875},{"word":"have","start":1090.88,"end":1091.12,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34003064036369324},{"word":"a","start":1091.12,"end":1091.28,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31769484281539917},{"word":"read","start":1091.28,"end":1091.6001,"confidence":0.9980469,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.30271899700164795},{"word":"over","start":1091.6001,"end":1091.92,"confidence":0.99316406,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.34511494636535645},{"word":"it","start":1091.92,"end":1092.16,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3153778314590454},{"word":"and","start":1092.16,"end":1092.3201,"confidence":0.8540039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3062143325805664},{"word":"it","start":1092.3201,"end":1092.56,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3387760519981384},{"word":"all","start":1092.56,"end":1092.7201,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3747654557228088},{"word":"makes","start":1092.7201,"end":1093.04,"confidence":0.94921875,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.3443419337272644},{"word":"sense","start":1093.04,"end":1093.36,"confidence":1.0,"punctuated_word":"sense","sentiment":"positive","sentiment_score":0.3798036575317383},{"word":"and","start":1093.36,"end":1093.52,"confidence":0.9160156,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.413141667842865},{"word":"you","start":1093.52,"end":1093.76,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.49540045857429504},{"word":"are","start":1093.76,"end":1093.92,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5075081586837769},{"word":"happy","start":1093.92,"end":1094.3201,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5118653774261475},{"word":"to","start":1094.3201,"end":1094.4801,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5240980982780457},{"word":"go","start":1094.4801,"end":1094.64,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5298233032226562},{"word":"ahead","start":1094.64,"end":1094.9601,"confidence":1.0,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.5335266590118408},{"word":"with","start":1094.9601,"end":1095.28,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5094303488731384},{"word":"the","start":1095.28,"end":1095.52,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5039183497428894},{"word":"the","start":1095.52,"end":1095.68,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4776790738105774},{"word":"investment","start":1095.68,"end":1096.18,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3767603933811188},{"word":"change","start":1096.4801,"end":1096.9801,"confidence":0.8798828,"punctuated_word":"change,","sentiment":"positive","sentiment_score":0.3378463387489319},{"word":"to","start":1097.615,"end":1097.775,"confidence":0.9819336,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.2867882251739502},{"word":"then","start":1097.775,"end":1098.015,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27369940280914307},{"word":"move","start":1098.015,"end":1098.495,"confidence":0.99902344,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.33426058292388916},{"word":"forward","start":1098.495,"end":1098.975,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.3676865100860596},{"word":"would","start":1098.975,"end":1099.2151,"confidence":0.9248047,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3711981773376465},{"word":"just","start":1099.2151,"end":1099.4551,"confidence":0.99121094,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.41568079590797424},{"word":"to","start":1099.4551,"end":1099.775,"confidence":0.9453125,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3710695803165436},{"word":"be","start":1099.775,"end":1100.0951,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3621666133403778},{"word":"signing","start":1100.0951,"end":1100.5951,"confidence":1.0,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.30642521381378174},{"word":"the","start":1100.735,"end":1101.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2743644714355469},{"word":"document","start":1101.055,"end":1101.555,"confidence":0.80078125,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2747982144355774},{"word":"in","start":1101.615,"end":1101.775,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2963898777961731},{"word":"the","start":1101.775,"end":1102.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28860315680503845},{"word":"email","start":1102.015,"end":1102.515,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2773444652557373},{"word":"electronically","start":1102.735,"end":1103.235,"confidence":0.94628906,"punctuated_word":"electronically,","sentiment":"neutral","sentiment_score":0.28853392601013184},{"word":"and","start":1103.855,"end":1104.0951,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2910137474536896},{"word":"then","start":1104.0951,"end":1104.3351,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.31606829166412354},{"word":"it","start":1104.3351,"end":1104.495,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3349519371986389},{"word":"will","start":1104.495,"end":1104.8151,"confidence":0.98291016,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3223702609539032},{"word":"automatically","start":1104.8151,"end":1105.3151,"confidence":0.98828125,"punctuated_word":"automatically","sentiment":"positive","sentiment_score":0.38981932401657104},{"word":"send","start":1105.615,"end":1106.015,"confidence":0.86279297,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2937171161174774},{"word":"back","start":1106.015,"end":1106.255,"confidence":0.45703125,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3152623474597931},{"word":"to","start":1106.255,"end":1106.415,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3434692621231079},{"word":"me","start":1106.415,"end":1106.735,"confidence":0.8046875,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.3837723135948181},{"word":"and","start":1106.735,"end":1106.895,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3843042850494385},{"word":"that","start":1106.895,"end":1107.135,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4046790897846222},{"word":"tells","start":1107.135,"end":1107.4551,"confidence":0.9863281,"punctuated_word":"tells","sentiment":"positive","sentiment_score":0.39022311568260193},{"word":"me","start":1107.4551,"end":1107.615,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4428980052471161},{"word":"that","start":1107.615,"end":1107.775,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3933581411838531},{"word":"you","start":1107.775,"end":1107.935,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4119117856025696},{"word":"are","start":1107.935,"end":1108.175,"confidence":1.0,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.43904608488082886},{"word":"happy","start":1108.175,"end":1108.495,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.518531084060669},{"word":"with","start":1108.495,"end":1108.655,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4944187998771667},{"word":"the","start":1108.655,"end":1108.8151,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4631126821041107},{"word":"recommendation","start":1108.8151,"end":1109.3151,"confidence":0.99902344,"punctuated_word":"recommendation.","sentiment":"positive","sentiment_score":0.3614324927330017},{"word":"does","start":1110.92,"end":1111.16,"confidence":0.9970703,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.16856063902378082},{"word":"that","start":1111.16,"end":1111.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21335652470588684},{"word":"all","start":1111.4,"end":1111.56,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1787032186985016},{"word":"make","start":1111.56,"end":1111.72,"confidence":0.9941406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16764122247695923},{"word":"sense","start":1111.72,"end":1112.22,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.1423107385635376},{"word":"yes","start":1113.32,"end":1113.82,"confidence":0.99658203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1829584836959839},{"word":"correct","start":1119.32,"end":1119.82,"confidence":0.9980469,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.261656254529953},{"word":"so","start":1120.04,"end":1120.54,"confidence":0.85253906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24508854746818545},{"word":"if","start":1120.92,"end":1121.08,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2859533429145813},{"word":"you","start":1121.08,"end":1121.24,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28195205330848694},{"word":"are","start":1121.24,"end":1121.4,"confidence":0.98095703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3146341145038605},{"word":"happy","start":1121.4,"end":1121.72,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3568231165409088},{"word":"with","start":1121.72,"end":1121.88,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32148033380508423},{"word":"the","start":1121.88,"end":1122.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32607364654541016},{"word":"change","start":1122.12,"end":1122.62,"confidence":0.9995117,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.3234909772872925},{"word":"then","start":1122.885,"end":1123.125,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3203431963920593},{"word":"you","start":1123.125,"end":1123.365,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27025142312049866},{"word":"can","start":1123.365,"end":1123.605,"confidence":0.98291016,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2731142044067383},{"word":"just","start":1123.605,"end":1123.845,"confidence":0.94921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3018854260444641},{"word":"sign","start":1123.845,"end":1124.165,"confidence":0.99316406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2354620397090912},{"word":"it","start":1124.165,"end":1124.3251,"confidence":0.95166016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2589474618434906},{"word":"digitally","start":1124.3251,"end":1124.8251,"confidence":1.0,"punctuated_word":"digitally","sentiment":"neutral","sentiment_score":0.2847317159175873},{"word":"on","start":1124.885,"end":1125.045,"confidence":0.93603516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2770933210849762},{"word":"through","start":1125.125,"end":1125.285,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.28690019249916077},{"word":"that","start":1125.285,"end":1125.525,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2872326374053955},{"word":"email","start":1125.525,"end":1125.845,"confidence":0.93237305,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.2766137719154358},{"word":"and","start":1125.845,"end":1126.085,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27709513902664185},{"word":"you","start":1126.085,"end":1126.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27418866753578186},{"word":"don't","start":1126.165,"end":1126.485,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2349850833415985},{"word":"have","start":1126.485,"end":1126.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25831180810928345},{"word":"to","start":1126.645,"end":1126.805,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21462780237197876},{"word":"call","start":1126.805,"end":1126.965,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.15454164147377014},{"word":"me","start":1126.965,"end":1127.2051,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.20493648946285248},{"word":"or","start":1127.2051,"end":1127.365,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2280169278383255},{"word":"anything","start":1127.365,"end":1127.865,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2916385531425476},{"word":"because","start":1128.165,"end":1128.5651,"confidence":0.8310547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22891747951507568},{"word":"i'll","start":1128.5651,"end":1128.805,"confidence":0.99194336,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.23685145378112793},{"word":"get","start":1128.805,"end":1129.045,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2963794469833374},{"word":"a","start":1129.045,"end":1129.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21798023581504825},{"word":"copy","start":1129.125,"end":1129.625,"confidence":0.99902344,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.1971798986196518},{"word":"of","start":1130.085,"end":1130.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13479121029376984},{"word":"the","start":1130.245,"end":1130.485,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17930342257022858},{"word":"signed","start":1130.485,"end":1130.805,"confidence":0.98291016,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.16943591833114624},{"word":"one","start":1130.805,"end":1131.285,"confidence":0.99658203,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.17320692539215088},{"word":"but","start":1131.285,"end":1131.525,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13654518127441406},{"word":"if","start":1131.525,"end":1131.685,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12284238636493684},{"word":"you","start":1131.685,"end":1131.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12388771027326584},{"word":"have","start":1131.845,"end":1131.925,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1206364706158638},{"word":"any","start":1131.925,"end":1132.245,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12183482199907304},{"word":"questions","start":1132.245,"end":1132.645,"confidence":0.99902344,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.09136325120925903},{"word":"you","start":1132.645,"end":1132.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0907076746225357},{"word":"just","start":1132.805,"end":1133.045,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.099914088845253},{"word":"let","start":1133.045,"end":1133.285,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.090215303003788},{"word":"me","start":1133.285,"end":1133.4451,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1095714122056961},{"word":"know","start":1133.4451,"end":1133.9451,"confidence":0.99902344,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1029634177684784},{"word":"yeah","start":1134.405,"end":1134.905,"confidence":0.9555664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10086016356945038},{"word":"yeah","start":1137.5701,"end":1138.0701,"confidence":0.8666992,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08396837115287781},{"word":"no","start":1138.6901,"end":1138.93,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.09125272929668428},{"word":"worries","start":1138.93,"end":1139.3301,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.07805196195840836},{"word":"well","start":1139.3301,"end":1139.7301,"confidence":0.9995117,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5889565944671631},{"word":"thank","start":1139.7301,"end":1139.89,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.808647096157074},{"word":"you","start":1139.89,"end":1140.13,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.844942033290863},{"word":"so","start":1140.13,"end":1140.29,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7736095786094666},{"word":"much","start":1140.29,"end":1140.6901,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8289152979850769},{"word":"for","start":1140.6901,"end":1140.8501,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7837617993354797},{"word":"your","start":1140.8501,"end":1141.01,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8295301795005798},{"word":"time","start":1141.01,"end":1141.51,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8519975543022156},{"word":"this","start":1141.81,"end":1142.13,"confidence":0.5366211,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.8364166617393494},{"word":"afternoon","start":1142.13,"end":1142.6101,"confidence":1.0,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.784665048122406},{"word":"jose","start":1142.6101,"end":1143.1101,"confidence":0.99853516,"punctuated_word":"Jose.","sentiment":"positive","sentiment_score":0.67919921875},{"word":"i","start":1143.4901,"end":1143.65,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4671923816204071},{"word":"will","start":1143.65,"end":1144.15,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32845816016197205},{"word":"let","start":1144.29,"end":1144.53,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.44837838411331177},{"word":"you","start":1144.53,"end":1144.8501,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3741609156131744},{"word":"get","start":1144.8501,"end":1145.0901,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3692583441734314},{"word":"back","start":1145.0901,"end":1145.3301,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4609693884849548},{"word":"to","start":1145.3301,"end":1145.5701,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4332393705844879},{"word":"it","start":1145.5701,"end":1145.9701,"confidence":0.96240234,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3874957859516144},{"word":"but","start":1145.9701,"end":1146.2101,"confidence":0.9243164,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.19945533573627472},{"word":"like","start":1146.2101,"end":1146.37,"confidence":0.9194336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1536882072687149},{"word":"i","start":1146.37,"end":1146.53,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19578132033348083},{"word":"said","start":1146.53,"end":1147.03,"confidence":0.9995117,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.11986364424228668},{"word":"any","start":1147.25,"end":1147.4901,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.097221277654171},{"word":"questions","start":1147.4901,"end":1147.9901,"confidence":0.9909668,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.06347419321537018},{"word":"just","start":1148.875,"end":1149.035,"confidence":0.91748047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08883725851774216},{"word":"give","start":1149.035,"end":1149.275,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09655146300792694},{"word":"me","start":1149.275,"end":1149.515,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2107951045036316},{"word":"a","start":1149.515,"end":1149.595,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10840073227882384},{"word":"call","start":1149.595,"end":1149.9149,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.123616561293602},{"word":"or","start":1149.9149,"end":1150.155,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08932498097419739},{"word":"an","start":1150.155,"end":1150.395,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08540206402540207},{"word":"email","start":1150.395,"end":1150.895,"confidence":0.9946289,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.13029110431671145},{"word":"otherwise","start":1150.955,"end":1151.4349,"confidence":1.0,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.0936850607395172},{"word":"i'll","start":1151.4349,"end":1151.595,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21006107330322263},{"word":"keep","start":1151.595,"end":1151.835,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2189837098121643},{"word":"a","start":1151.835,"end":1151.9149,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25720682740211487},{"word":"look","start":1151.9149,"end":1152.155,"confidence":0.515625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20587997138500216},{"word":"at","start":1152.155,"end":1152.395,"confidence":0.9291992,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23554325103759768},{"word":"to","start":1152.395,"end":1152.475,"confidence":0.89501953,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19750863313674927},{"word":"see","start":1152.475,"end":1152.635,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19522003829479215},{"word":"if","start":1152.635,"end":1152.7949,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2203681468963623},{"word":"that","start":1152.7949,"end":1153.035,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30342769622802734},{"word":"documents","start":1153.035,"end":1153.515,"confidence":0.66503906,"punctuated_word":"documents","sentiment":"positive","sentiment_score":0.37207162380218506},{"word":"come","start":1153.515,"end":1153.755,"confidence":0.99609375,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4388664960861206},{"word":"through","start":1153.755,"end":1153.9149,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.36301517486572266},{"word":"as","start":1153.9149,"end":1154.075,"confidence":0.9941406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3827473521232605},{"word":"well","start":1154.075,"end":1154.315,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3676507174968719},{"word":"for","start":1154.315,"end":1154.475,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3778848350048065},{"word":"you","start":1154.475,"end":1154.975,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.29553765058517456},{"word":"no","start":1158.955,"end":1159.115,"confidence":0.8720703,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.5994291305541992},{"word":"problem","start":1159.115,"end":1159.4349,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.6285967826843262},{"word":"at","start":1159.4349,"end":1159.595,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6890108585357666},{"word":"all","start":1159.595,"end":1159.755,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.6636332273483276},{"word":"we'll","start":1159.755,"end":1160.075,"confidence":0.99316406,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.6205554008483887},{"word":"speak","start":1160.075,"end":1160.315,"confidence":1.0,"punctuated_word":"speak","sentiment":"positive","sentiment_score":0.5952193737030029},{"word":"soon","start":1160.315,"end":1160.5549,"confidence":0.98168945,"punctuated_word":"soon,","sentiment":"positive","sentiment_score":0.6039142608642578},{"word":"and","start":1160.5549,"end":1160.715,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6401516199111938},{"word":"you","start":1160.715,"end":1160.875,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7432278394699097},{"word":"have","start":1160.875,"end":1161.115,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7290316820144653},{"word":"a","start":1161.115,"end":1161.195,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7248904705047607},{"word":"lovely","start":1161.195,"end":1161.515,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.8223368525505066},{"word":"rest","start":1161.515,"end":1161.755,"confidence":1.0,"punctuated_word":"rest","sentiment":"positive","sentiment_score":0.838517963886261},{"word":"of","start":1161.755,"end":1161.9149,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.8080120086669922},{"word":"your","start":1161.9149,"end":1162.075,"confidence":0.7651367,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8040968179702759},{"word":"afternoon","start":1162.075,"end":1162.575,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.7323949337005615},{"word":"thank","start":1166.0688,"end":1166.3889,"confidence":0.9892578,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5984151363372803},{"word":"you","start":1166.3889,"end":1166.8889,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6429035067558289},{"word":"bye","start":1166.9489,"end":1167.1888,"confidence":1.0,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.2667138874530792},{"word":"for","start":1167.1888,"end":1167.3489,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3337011933326721},{"word":"now","start":1167.3489,"end":1167.8489,"confidence":1.0,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.37537816166877747},{"word":"bye","start":1170.2289,"end":1170.7289,"confidence":0.9819336,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1254221647977829}],"paragraphs":{"transcript":"\nHello, Jose again? Yeah. Veronica. I I had you booked in. It shouldn't take too long today because I know you are very, very busy as well.\n\nBut just to go through the reset I did on your super investment, do you have a a bit of time for me? Yes. Okay. Oh, perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me? Yep. Yep.\n\nBeautiful. Now do you have access to your emails at the moment, or are you kind of driving or a bit busy? Because yeah. So I am I have put together a recommendation for you to make a couple of minor changes to your investment. So what what correct.\n\nSo in order correct. So it is changing that one. So in order to try not make a recommendation for you, I have to put everything in a statement of advice. Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything. So I will email that to you.\n\nSo if you have a moment to access it while we're on the phone, that would be good. But if you don't, because it is pretty straightforward, I can kind of just talk through the changes. And then later, if you have a bit more time, you can then have a read over it and let me know what you think. It is up to you. Okay.\n\nPass perfect. So I have just emailed that to you when you have a moment later. Now might end up in spam folder, so just have a bit of a look through it later. But, essentially, I have put together a recommendation. Like I said, it is very straightforward because we've kind of already touched on it.\n\nIt was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you. So what I have done is I also considered your current superannuation with hub twenty four as part of the research. So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market. So it is good to do research just to make sure it's still their most competitive option for you. Does that make sense?\n\nYes. So after doing research, I have recommended that you stay in hub twenty four. It is still very competitive. No. Completely independent.\n\nJust for. Yes. No. No tie at all. And that's why we do that's why we do the research because if I found another option for you that was going to be better, then I would have recommended that.\n\nThere's nothing tying up to have twenty four. You will actually see in the document on the alternative. So I have put one of the alternatives there, but there's a lot of different different funds to look at. One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth. But, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options.\n\nSo yeah. So I have recommended that for now anyway. You stay in hub twenty four and literally just change a couple of investments. So I have kind of formalized everything for you. Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in detail.\n\nBut, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good. So, basically, per year, it will save you around $375, which does make a difference when you add up everything and each year as well. So it's making it a bit cheaper for you, which is great. Now the the biggest thing is also when it comes to the investment return. So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%.\n\nNow the recommended now this is all in writing for you in the document later so you can have a have a look through it. But the recommended, it has performed at eleven point zero six. So quite a bit better than your current portfolio, which is great. Now now what I have also included for you is just to kind of forecast everything forward for five and ten years. Now we're not making any changes to your risk tolerance.\n\nWe are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances. It all stays the same. So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance your portfolio. And what that basically does is it saves you a bit of fees and improves the return. And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good.\n\nYeah. Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios. So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them. So not just looking at five years. And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good.\n\nDoes that make sense so far? Yes. Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200. So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification. We don't want everything in The US or everything in Asia or everything in Europe.\n\nWe wanna make sure we keep things diversified. So we were then okay. Well, if we take away Australia, what can we look at replacing it? Now the BetaShares Australia two hundred, it is a little bit more simplified investment. And what it is, it basically invests in the 200 largest company listed in Australia.\n\nSo within one single investment, you will be invested in 200 companies. So, basically, what that means is that as a company might grow and get big, it gets added to the 200. As a smaller company then kinda falls off, it comes out. So it will be a little bit smoother because of it. And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established.\n\nIt will be a bit cheaper, and that's why the fee saving for you than Benelung. Because I don't know if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market. And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive. But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result. Does that make sense?\n\nYes. So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better. It still maintains the diversification for you. And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment. Now that can change on a daily, obviously, with market movement.\n\nBut when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good. So no additional tax to come out, which is it, which is very good. Yeah. Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done. So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio.\n\nBasically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy. So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a larger portion of your portfolio, whereas then others become smaller. So rebalancing basically means that we are readjusting everything back into their attended levels. So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything. Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it.\n\nSo I have recommended that as well. They're not changing everything. It is just basically rebalancing. That makes sense, Jose? Correct.\n\nJust just changing how much. So still keeping it. But let's say, for example, you have at the moment, the S and P 500 in the portfolio. So that invest in the 200 sorry, the 500 largest companies listed in in America. Now at the moment, because that one has grown, which is great, you have about 25.41% of your super invested in that one option.\n\nWe just wanna bring it back down to 20%. So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations. So that is basically what rebalancing means, just bringing it all back into alignment. We're still keeping those. Any questions?\n\nNo. No. No. Good. Now when you have a look for the document, like I said, this is 32 pages.\n\nA lot of that is just through making sure that you fully understand the recommendation. It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it. But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you. Now if you would like to go and research and have a look at that investment in a more detail for you. In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well.\n\nSo all the transparency and everything is there for you. No. That's okay. Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile. I have also included some information in regards to setting up a will and a power of attorney.\n\nIt's just there for you. It is something I always recommend everyone to consider. So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well. Now the last thing I do wanna mention is the remuneration. No changes, like I said, in the under review at all.\n\nIt stays exactly the same. There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation. So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead. That is all part of that ongoing service. So no additional fees or charges at all.\n\nYeah. Now at this point, do you have any questions for me? No. Okay. Yes.\n\nYes. Please do. So correct. Either way. So I have sent you that document.\n\nHave a have a read over it when you have a moment. Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you. You can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that. You can also see my personal license number, my authorized representative number listed on the cover page. And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else.\n\nAnd that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. If I lose my license, my I will lose my job, and my husband at home won't be too happy with me. So there's there's a lot in place to protect you at the end of the day.\n\nOkay? That's okay. Now it is also valid for a little bit. So it is valid for sixty days. So you have a bit of time to obviously have a read over it.\n\nNow, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time. But when you have a moment, have a read through the document. If you have any questions at all, just call the call the office and ask me or send me an email. That is perfectly fine. Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation.\n\nDoes that all make sense? Yes. Correct. So if you are happy with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy of the signed one. But if you have any questions, you just let me know.\n\nYeah. Yeah. No worries. Well, thank you so much for your time this afternoon, Jose. I will let you get back to it.\n\nBut like I said, any questions, just give me a call or an email. Otherwise, I'll keep a look at to see if that documents come through as well for you. No problem at all. We'll speak soon, and you have a lovely rest of your afternoon. Thank you.\n\nBye for now. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Jose again?","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.12009226530790329},{"text":"Yeah.","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.14770394563674927},{"text":"Veronica.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.09480778872966766},{"text":"I I had you booked in.","start":10.8,"end":14.054999,"sentiment":"neutral","sentiment_score":0.20340274771054587},{"text":"It shouldn't take too long today because I know you are very, very busy as well.","start":14.054999,"end":18.474998,"sentiment":"neutral","sentiment_score":0.09407925652340055}],"sentiment":"neutral","sentiment_score":0.12327678225658557,"num_words":27,"start":3.04,"end":18.474998},{"sentences":[{"text":"But just to go through the reset I did on your super investment, do you have a a bit of time for me?","start":19.095,"end":25.05,"sentiment":"neutral","sentiment_score":0.02155304894499157},{"text":"Yes.","start":27.21,"end":27.609999,"sentiment":"neutral","sentiment_score":0.1016560196876526},{"text":"Okay.","start":27.609999,"end":28.109999,"sentiment":"neutral","sentiment_score":0.08508677780628204},{"text":"Oh, perfect.","start":29.289999,"end":30.43,"sentiment":"positive","sentiment_score":0.4373234361410141},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.449999,"end":38.91,"sentiment":"neutral","sentiment_score":0.04883315260040349}],"sentiment":"neutral","sentiment_score":0.05309412894504411,"num_words":56,"start":19.095,"end":38.91},{"sentences":[{"text":"Yep.","start":41.395,"end":41.795002,"sentiment":"neutral","sentiment_score":0.28231281042099},{"text":"Perfect.","start":41.795002,"end":42.275,"sentiment":"positive","sentiment_score":0.4853496551513672},{"text":"And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me?","start":42.275,"end":55.81,"sentiment":"neutral","sentiment_score":0.10826666211319524},{"text":"Yep.","start":61.79,"end":62.19,"sentiment":"neutral","sentiment_score":0.0980764776468277},{"text":"Yep.","start":62.19,"end":62.35,"sentiment":"neutral","sentiment_score":0.20997248589992523}],"sentiment":"neutral","sentiment_score":0.12193995531886181,"num_words":47,"start":41.395,"end":62.35},{"sentences":[{"text":"Beautiful.","start":62.35,"end":62.85,"sentiment":"positive","sentiment_score":0.5103119611740112},{"text":"Now do you have access to your emails at the moment, or are you kind of driving or a bit busy?","start":63.39,"end":70.704994,"sentiment":"neutral","sentiment_score":0.03043937133181663},{"text":"Because yeah.","start":75.244995,"end":76.845,"sentiment":"neutral","sentiment_score":0.02390436641871929},{"text":"So I am I have put together a recommendation for you to make a couple of minor changes to your investment.","start":76.845,"end":84.064995,"sentiment":"neutral","sentiment_score":0.08012956238928295},{"text":"So what what correct.","start":84.78001,"end":88.48,"sentiment":"neutral","sentiment_score":0.004183271434158087}],"sentiment":"neutral","sentiment_score":0.059118395671248436,"num_words":49,"start":62.35,"end":88.48},{"sentences":[{"text":"So in order correct.","start":89.020004,"end":92.240005,"sentiment":"neutral","sentiment_score":-0.05109182000160217},{"text":"So it is changing that one.","start":92.46001,"end":94.48,"sentiment":"neutral","sentiment_score":-0.05365840593973795},{"text":"So in order to try not make a recommendation for you, I have to put everything in a statement of advice.","start":96.060005,"end":102.655,"sentiment":"neutral","sentiment_score":-0.06612632725210417},{"text":"Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything.","start":103.115,"end":107.854996,"sentiment":"neutral","sentiment_score":0.016959736744562786},{"text":"So I will email that to you.","start":108.155,"end":110.28001,"sentiment":"neutral","sentiment_score":0.10086753112929207}],"sentiment":"neutral","sentiment_score":-0.01445327793895188,"num_words":59,"start":89.020004,"end":110.28001},{"sentences":[{"text":"So if you have a moment to access it while we're on the phone, that would be good.","start":110.28001,"end":114.520004,"sentiment":"neutral","sentiment_score":0.24617303742302787},{"text":"But if you don't, because it is pretty straightforward, I can kind of just talk through the changes.","start":114.520004,"end":119.96001,"sentiment":"neutral","sentiment_score":0.17104621645477083},{"text":"And then later, if you have a bit more time, you can then have a read over it and let me know what you think.","start":119.96001,"end":126.225,"sentiment":"neutral","sentiment_score":0.15753843992948532},{"text":"It is up to you.","start":126.225,"end":127.445,"sentiment":"neutral","sentiment_score":0.1443037509918213},{"text":"Okay.","start":132.305,"end":132.805,"sentiment":"neutral","sentiment_score":0.030578751116991043}],"sentiment":"neutral","sentiment_score":0.18209709065841206,"num_words":67,"start":110.28001,"end":132.805},{"sentences":[{"text":"Pass perfect.","start":132.945,"end":134.885,"sentiment":"positive","sentiment_score":0.38586632907390594},{"text":"So I have just emailed that to you when you have a moment later.","start":135.025,"end":138.72,"sentiment":"neutral","sentiment_score":0.27595082564013346},{"text":"Now might end up in spam folder, so just have a bit of a look through it later.","start":140.54001,"end":145.74,"sentiment":"neutral","sentiment_score":-0.11579275938371818},{"text":"But, essentially, I have put together a recommendation.","start":145.74,"end":148.40001,"sentiment":"neutral","sentiment_score":0.18351815035566688},{"text":"Like I said, it is very straightforward because we've kind of already touched on it.","start":148.94,"end":152.265,"sentiment":"positive","sentiment_score":0.4215696732203166}],"sentiment":"neutral","sentiment_score":0.1814467517430322,"num_words":57,"start":132.945,"end":152.265},{"sentences":[{"text":"It was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you.","start":152.505,"end":159.565,"sentiment":"neutral","sentiment_score":0.27613684303801633},{"text":"So what I have done is I also considered your current superannuation with hub twenty four as part of the research.","start":160.025,"end":168.3,"sentiment":"neutral","sentiment_score":0.22682415587561472},{"text":"So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market.","start":168.44,"end":177.42,"sentiment":"neutral","sentiment_score":0.23840851601093047},{"text":"So it is good to do research just to make sure it's still their most competitive option for you.","start":177.795,"end":183.875,"sentiment":"neutral","sentiment_score":0.25530723600011124},{"text":"Does that make sense?","start":183.875,"end":184.935,"sentiment":"neutral","sentiment_score":0.1790124736726284}],"sentiment":"neutral","sentiment_score":0.24739256823578706,"num_words":104,"start":152.505,"end":184.935},{"sentences":[{"text":"Yes.","start":186.59499,"end":187.09499,"sentiment":"neutral","sentiment_score":0.13461190462112427},{"text":"So after doing research, I have recommended that you stay in hub twenty four.","start":187.23499,"end":192.12,"sentiment":"neutral","sentiment_score":0.14639405586889812},{"text":"It is still very competitive.","start":192.28,"end":194.22,"sentiment":"neutral","sentiment_score":0.04358767755329609},{"text":"No.","start":195.48,"end":195.98,"sentiment":"neutral","sentiment_score":-0.07527557015419006},{"text":"Completely independent.","start":196.12,"end":197.09999,"sentiment":"neutral","sentiment_score":-0.04781057499349117}],"sentiment":"neutral","sentiment_score":0.097007406713522,"num_words":23,"start":186.59499,"end":197.09999},{"sentences":[{"text":"Just for.","start":197.23999,"end":197.98,"sentiment":"neutral","sentiment_score":-0.04052350763231516},{"text":"Yes.","start":200.12,"end":200.62,"sentiment":"neutral","sentiment_score":0.060821227729320526},{"text":"No.","start":201.95999,"end":202.44,"sentiment":"neutral","sentiment_score":-0.06529255211353302},{"text":"No tie at all.","start":202.44,"end":203.79999,"sentiment":"neutral","sentiment_score":-0.09305671975016594},{"text":"And that's why we do that's why we do the research because if I found another option for you that was going to be better, then I would have recommended that.","start":203.79999,"end":214.16501,"sentiment":"neutral","sentiment_score":0.08985466053408961}],"sentiment":"neutral","sentiment_score":0.059685878407878756,"num_words":39,"start":197.23999,"end":214.16501},{"sentences":[{"text":"There's nothing tying up to have twenty four.","start":214.465,"end":217.02501,"sentiment":"neutral","sentiment_score":-0.045208800431282725},{"text":"You will actually see in the document on the alternative.","start":217.02501,"end":224.12999,"sentiment":"neutral","sentiment_score":0.01774467285722494},{"text":"So I have put one of the alternatives there, but there's a lot of different different funds to look at.","start":224.26999,"end":229.09,"sentiment":"neutral","sentiment_score":0.01371420118957758},{"text":"One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth.","start":229.87,"end":239.815,"sentiment":"neutral","sentiment_score":0.06865597600963982},{"text":"But, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options.","start":240.275,"end":252.93,"sentiment":"neutral","sentiment_score":-0.04147525690495968}],"sentiment":"neutral","sentiment_score":0.003958156821964723,"num_words":90,"start":214.465,"end":252.93},{"sentences":[{"text":"So yeah.","start":253.87,"end":255.31,"sentiment":"neutral","sentiment_score":0.14901072904467583},{"text":"So I have recommended that for now anyway.","start":255.31,"end":257.38998,"sentiment":"neutral","sentiment_score":0.3109751418232918},{"text":"You stay in hub twenty four and literally just change a couple of investments.","start":257.38998,"end":261.88998,"sentiment":"neutral","sentiment_score":0.2505552837891238},{"text":"So I have kind of formalized everything for you.","start":263.165,"end":266.865,"sentiment":"neutral","sentiment_score":0.12944725735319984},{"text":"Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in detail.","start":266.925,"end":278.465,"sentiment":"neutral","sentiment_score":0.12517358462015787}],"sentiment":"neutral","sentiment_score":0.17799729238899928,"num_words":63,"start":253.87,"end":278.465},{"sentences":[{"text":"But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good.","start":280.65002,"end":298.505,"sentiment":"positive","sentiment_score":0.46832762019974844},{"text":"So, basically, per year, it will save you around $375, which does make a difference when you add up everything and each year as well.","start":298.505,"end":309.83002,"sentiment":"positive","sentiment_score":0.5472253382205963},{"text":"So it's making it a bit cheaper for you, which is great.","start":309.83002,"end":312.65002,"sentiment":"positive","sentiment_score":0.6957435061534246},{"text":"Now the the biggest thing is also when it comes to the investment return.","start":314.23,"end":319.45,"sentiment":"neutral","sentiment_score":0.17441615142992564},{"text":"So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%.","start":320.165,"end":343.51,"sentiment":"neutral","sentiment_score":0.13572894657651582}],"sentiment":"positive","sentiment_score":0.35235772266863813,"num_words":124,"start":280.65002,"end":343.51},{"sentences":[{"text":"Now the recommended now this is all in writing for you in the document later so you can have a have a look through it.","start":344.61002,"end":351.685,"sentiment":"neutral","sentiment_score":0.190415318608284},{"text":"But the recommended, it has performed at eleven point zero six.","start":352.385,"end":358.405,"sentiment":"positive","sentiment_score":0.41529026898470794},{"text":"So quite a bit better than your current portfolio, which is great.","start":359.34,"end":363.68,"sentiment":"positive","sentiment_score":0.6545269936323166},{"text":"Now now what I have also included for you is just to kind of forecast everything forward for five and ten years.","start":365.98,"end":375.32498,"sentiment":"neutral","sentiment_score":0.18990132551301608},{"text":"Now we're not making any changes to your risk tolerance.","start":375.705,"end":380.525,"sentiment":"neutral","sentiment_score":0.05021621286869049}],"sentiment":"neutral","sentiment_score":0.27328613921999934,"num_words":80,"start":344.61002,"end":380.525},{"sentences":[{"text":"We are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances.","start":380.585,"end":387.59,"sentiment":"neutral","sentiment_score":0.14541576934211395},{"text":"It all stays the same.","start":388.53,"end":389.81,"sentiment":"neutral","sentiment_score":0.2431179702281952},{"text":"So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance your portfolio.","start":389.81,"end":400.38998,"sentiment":"neutral","sentiment_score":0.24826350569725036},{"text":"And what that basically does is it saves you a bit of fees and improves the return.","start":401.07498,"end":405.975,"sentiment":"positive","sentiment_score":0.5157539458835826},{"text":"And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good.","start":406.675,"end":420.05,"sentiment":"positive","sentiment_score":0.5309883229660265}],"sentiment":"positive","sentiment_score":0.37303791041533974,"num_words":97,"start":380.585,"end":420.05},{"sentences":[{"text":"Yeah.","start":423.22998,"end":423.72998,"sentiment":"neutral","sentiment_score":0.2389535903930664},{"text":"Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios.","start":423.94998,"end":431.00998,"sentiment":"neutral","sentiment_score":0.18240898960958357},{"text":"So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them.","start":431.80502,"end":445.005,"sentiment":"neutral","sentiment_score":0.09224852131945746},{"text":"So not just looking at five years.","start":445.005,"end":446.94,"sentiment":"neutral","sentiment_score":0.17698851227760315},{"text":"And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good.","start":446.94,"end":458.56,"sentiment":"positive","sentiment_score":0.5419919711928214}],"sentiment":"neutral","sentiment_score":0.2649868999022184,"num_words":97,"start":423.22998,"end":458.56},{"sentences":[{"text":"Does that make sense so far?","start":461.51498,"end":462.97498,"sentiment":"positive","sentiment_score":0.4199323703845342},{"text":"Yes.","start":465.51498,"end":466.01498,"sentiment":"neutral","sentiment_score":0.17713774740695953},{"text":"Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200.","start":466.395,"end":480.57,"sentiment":"neutral","sentiment_score":0.12235927915778654},{"text":"So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification.","start":481.51,"end":497.075,"sentiment":"neutral","sentiment_score":0.10847295524600224},{"text":"We don't want everything in The US or everything in Asia or everything in Europe.","start":497.615,"end":502.68002,"sentiment":"neutral","sentiment_score":-0.07913813839356104}],"sentiment":"neutral","sentiment_score":0.10320582493311829,"num_words":90,"start":461.51498,"end":502.68002},{"sentences":[{"text":"We wanna make sure we keep things diversified.","start":502.68002,"end":504.86002,"sentiment":"neutral","sentiment_score":0.24238751828670502},{"text":"So we were then okay.","start":505.16,"end":506.12,"sentiment":"neutral","sentiment_score":0.06374795511364936},{"text":"Well, if we take away Australia, what can we look at replacing it?","start":506.12,"end":510.94,"sentiment":"neutral","sentiment_score":-0.08001226229736438},{"text":"Now the BetaShares Australia two hundred, it is a little bit more simplified investment.","start":511.88,"end":518.32495,"sentiment":"neutral","sentiment_score":0.10843762010335922},{"text":"And what it is, it basically invests in the 200 largest company listed in Australia.","start":519.105,"end":528.08997,"sentiment":"neutral","sentiment_score":0.160316268603007}],"sentiment":"neutral","sentiment_score":0.09346456768160516,"num_words":55,"start":502.68002,"end":528.08997},{"sentences":[{"text":"So within one single investment, you will be invested in 200 companies.","start":528.31,"end":534.01,"sentiment":"neutral","sentiment_score":0.21268302202224731},{"text":"So, basically, what that means is that as a company might grow and get big, it gets added to the 200.","start":535.27,"end":542.615,"sentiment":"neutral","sentiment_score":0.23716581293514796},{"text":"As a smaller company then kinda falls off, it comes out.","start":542.995,"end":546.435,"sentiment":"neutral","sentiment_score":0.14481355825608427},{"text":"So it will be a little bit smoother because of it.","start":546.435,"end":549.655,"sentiment":"positive","sentiment_score":0.4103396805849942},{"text":"And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established.","start":550.195,"end":560.51,"sentiment":"positive","sentiment_score":0.4314526269833247}],"sentiment":"neutral","sentiment_score":0.3127405032077256,"num_words":85,"start":528.31,"end":560.51},{"sentences":[{"text":"It will be a bit cheaper, and that's why the fee saving for you than Benelung.","start":562.97,"end":568.51,"sentiment":"positive","sentiment_score":0.517183493822813},{"text":"Because I don't know if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market.","start":569.05,"end":581.035,"sentiment":"neutral","sentiment_score":0.03192011075648102},{"text":"And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive.","start":581.735,"end":587.915,"sentiment":"neutral","sentiment_score":-0.11442839145660401},{"text":"But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result.","start":588.75,"end":599.09,"sentiment":"neutral","sentiment_score":-0.07706429761263632},{"text":"Does that make sense?","start":599.15,"end":600.21,"sentiment":"neutral","sentiment_score":0.09092546068131924}],"sentiment":"neutral","sentiment_score":0.04044229052631201,"num_words":113,"start":562.97,"end":600.21},{"sentences":[{"text":"Yes.","start":602.845,"end":603.345,"sentiment":"neutral","sentiment_score":0.2894936501979828},{"text":"So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better.","start":603.485,"end":611.50494,"sentiment":"positive","sentiment_score":0.4818352366035635},{"text":"It still maintains the diversification for you.","start":611.96497,"end":615.665,"sentiment":"positive","sentiment_score":0.6595993382590157},{"text":"And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment.","start":616.16003,"end":632.455,"sentiment":"positive","sentiment_score":0.40493979305028915},{"text":"Now that can change on a daily, obviously, with market movement.","start":633.155,"end":637.575,"sentiment":"neutral","sentiment_score":0.30428953062404285}],"sentiment":"positive","sentiment_score":0.43344254678563227,"num_words":79,"start":602.845,"end":637.575},{"sentences":[{"text":"But when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good.","start":638.115,"end":645.56,"sentiment":"positive","sentiment_score":0.48292315751314163},{"text":"So no additional tax to come out, which is it, which is very good.","start":645.86005,"end":649.80005,"sentiment":"positive","sentiment_score":0.4969682012285505},{"text":"Yeah.","start":653.22003,"end":653.72003,"sentiment":"neutral","sentiment_score":0.16830290853977203},{"text":"Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done.","start":654.5,"end":663.685,"sentiment":"neutral","sentiment_score":0.06663240383689602},{"text":"So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio.","start":663.685,"end":672.425,"sentiment":"neutral","sentiment_score":0.07564183572928111}],"sentiment":"neutral","sentiment_score":0.2676141264354005,"num_words":81,"start":638.115,"end":672.425},{"sentences":[{"text":"Basically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy.","start":673.23,"end":689.90497,"sentiment":"neutral","sentiment_score":0.14075841961635482},{"text":"So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a larger portion of your portfolio, whereas then others become smaller.","start":690.445,"end":704.34,"sentiment":"neutral","sentiment_score":0.04372334823710844},{"text":"So rebalancing basically means that we are readjusting everything back into their attended levels.","start":704.56,"end":713.54004,"sentiment":"neutral","sentiment_score":0.10352899613124984},{"text":"So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything.","start":713.79504,"end":724.375,"sentiment":"neutral","sentiment_score":0.24863162964937233},{"text":"Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it.","start":725.075,"end":732.86,"sentiment":"neutral","sentiment_score":-0.00022726416587829534}],"sentiment":"neutral","sentiment_score":0.09970263056770093,"num_words":119,"start":673.23,"end":732.86},{"sentences":[{"text":"So I have recommended that as well.","start":733.64,"end":735.66,"sentiment":"neutral","sentiment_score":0.2978562925543104},{"text":"They're not changing everything.","start":736.68,"end":737.96,"sentiment":"neutral","sentiment_score":-0.031094596721231937},{"text":"It is just basically rebalancing.","start":737.96,"end":739.58,"sentiment":"neutral","sentiment_score":0.04236086532473564},{"text":"That makes sense, Jose?","start":741.015,"end":743.835,"sentiment":"neutral","sentiment_score":0.16765234246850014},{"text":"Correct.","start":752.695,"end":753.09503,"sentiment":"neutral","sentiment_score":0.023551058024168015}],"sentiment":"neutral","sentiment_score":0.1365038293103377,"num_words":21,"start":733.64,"end":753.09503},{"sentences":[{"text":"Just just changing how much.","start":753.09503,"end":754.615,"sentiment":"neutral","sentiment_score":-0.005481073632836342},{"text":"So still keeping it.","start":754.615,"end":756.06,"sentiment":"neutral","sentiment_score":0.03719631768763065},{"text":"But let's say, for example, you have at the moment, the S and P 500 in the portfolio.","start":756.14,"end":763.68,"sentiment":"neutral","sentiment_score":0.03849032831688722},{"text":"So that invest in the 200 sorry, the 500 largest companies listed in in America.","start":764.22,"end":769.2,"sentiment":"neutral","sentiment_score":0.03273620729645093},{"text":"Now at the moment, because that one has grown, which is great, you have about 25.41% of your super invested in that one option.","start":769.775,"end":780.03503,"sentiment":"neutral","sentiment_score":0.28921184766416747}],"sentiment":"neutral","sentiment_score":0.12494444341934992,"num_words":66,"start":753.09503,"end":780.03503},{"sentences":[{"text":"We just wanna bring it back down to 20%.","start":780.735,"end":783.98,"sentiment":"neutral","sentiment_score":0.2656734304295646},{"text":"So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations.","start":784.12,"end":792.38,"sentiment":"neutral","sentiment_score":0.26665098369121554},{"text":"So that is basically what rebalancing means, just bringing it all back into alignment.","start":792.92,"end":797.74,"sentiment":"neutral","sentiment_score":0.29725546496255056},{"text":"We're still keeping those.","start":799.235,"end":800.455,"sentiment":"neutral","sentiment_score":0.24838237464427948},{"text":"Any questions?","start":805.555,"end":806.455,"sentiment":"neutral","sentiment_score":0.03871459886431694}],"sentiment":"neutral","sentiment_score":0.26442072966269087,"num_words":49,"start":780.735,"end":806.455},{"sentences":[{"text":"No.","start":809.795,"end":810.295,"sentiment":"neutral","sentiment_score":-0.023745227605104446},{"text":"No.","start":810.435,"end":810.935,"sentiment":"neutral","sentiment_score":-0.05606315657496452},{"text":"No.","start":811.15497,"end":811.65497,"sentiment":"neutral","sentiment_score":-0.03151129186153412},{"text":"Good.","start":811.715,"end":812.215,"sentiment":"neutral","sentiment_score":0.14633148908615112},{"text":"Now when you have a look for the document, like I said, this is 32 pages.","start":813.49,"end":819.99,"sentiment":"neutral","sentiment_score":0.09090758068487048}],"sentiment":"neutral","sentiment_score":0.07447665520012378,"num_words":20,"start":809.795,"end":819.99},{"sentences":[{"text":"A lot of that is just through making sure that you fully understand the recommendation.","start":820.61,"end":825.51,"sentiment":"neutral","sentiment_score":0.17006846566994985},{"text":"It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it.","start":826.375,"end":834.215,"sentiment":"neutral","sentiment_score":0.20195316910743713},{"text":"But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you.","start":834.215,"end":848.61,"sentiment":"neutral","sentiment_score":0.29191501686970395},{"text":"Now if you would like to go and research and have a look at that investment in a more detail for you.","start":848.91,"end":856.355,"sentiment":"neutral","sentiment_score":0.25156027349558746},{"text":"In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well.","start":856.89496,"end":875.2,"sentiment":"neutral","sentiment_score":0.2592046091865216}],"sentiment":"neutral","sentiment_score":0.24599385709577315,"num_words":148,"start":820.61,"end":875.2},{"sentences":[{"text":"So all the transparency and everything is there for you.","start":875.34,"end":878.24005,"sentiment":"neutral","sentiment_score":0.20220096707344054},{"text":"No.","start":882.475,"end":882.71497,"sentiment":"neutral","sentiment_score":0.1027824804186821},{"text":"That's okay.","start":882.71497,"end":883.535,"sentiment":"neutral","sentiment_score":0.2166229635477066},{"text":"Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile.","start":884.07495,"end":891.69495,"sentiment":"positive","sentiment_score":0.35298695062336166},{"text":"I have also included some information in regards to setting up a will and a power of attorney.","start":893.84,"end":901.54004,"sentiment":"neutral","sentiment_score":0.3121733143925667}],"sentiment":"neutral","sentiment_score":0.29767819598317147,"num_words":50,"start":875.34,"end":901.54004},{"sentences":[{"text":"It's just there for you.","start":901.76,"end":902.80005,"sentiment":"positive","sentiment_score":0.48794400691986084},{"text":"It is something I always recommend everyone to consider.","start":902.80005,"end":905.78,"sentiment":"positive","sentiment_score":0.5873480207390256},{"text":"So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well.","start":906.335,"end":925.70996,"sentiment":"neutral","sentiment_score":0.307432807283476},{"text":"Now the last thing I do wanna mention is the remuneration.","start":929.05,"end":933.70996,"sentiment":"neutral","sentiment_score":0.21300686760382218},{"text":"No changes, like I said, in the under review at all.","start":934.725,"end":937.625,"sentiment":"neutral","sentiment_score":0.29446514628150244}],"sentiment":"neutral","sentiment_score":0.3298374404013157,"num_words":100,"start":901.76,"end":937.625},{"sentences":[{"text":"It stays exactly the same.","start":937.765,"end":939.365,"sentiment":"positive","sentiment_score":0.5162757277488709},{"text":"There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation.","start":939.365,"end":947.14496,"sentiment":"positive","sentiment_score":0.4197532825849273},{"text":"So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead.","start":947.88995,"end":955.35,"sentiment":"positive","sentiment_score":0.3784687394897143},{"text":"That is all part of that ongoing service.","start":955.73,"end":958.29,"sentiment":"positive","sentiment_score":0.5040851086378098},{"text":"So no additional fees or charges at all.","start":958.29,"end":960.855,"sentiment":"neutral","sentiment_score":0.23063328582793474}],"sentiment":"positive","sentiment_score":0.3996559367028635,"num_words":67,"start":937.765,"end":960.855},{"sentences":[{"text":"Yeah.","start":963.89496,"end":964.39496,"sentiment":"neutral","sentiment_score":0.1104503870010376},{"text":"Now at this point, do you have any questions for me?","start":964.77496,"end":970.15497,"sentiment":"neutral","sentiment_score":0.06737087937918576},{"text":"No.","start":973.19,"end":973.67,"sentiment":"neutral","sentiment_score":-0.0721055194735527},{"text":"Okay.","start":973.67,"end":974.17,"sentiment":"neutral","sentiment_score":0.07605176419019699},{"text":"Yes.","start":977.75,"end":978.25,"sentiment":"neutral","sentiment_score":0.0714021623134613}],"sentiment":"neutral","sentiment_score":0.06179189781347911,"num_words":15,"start":963.89496,"end":978.25},{"sentences":[{"text":"Yes.","start":978.39,"end":978.87,"sentiment":"neutral","sentiment_score":0.0845736414194107},{"text":"Please do.","start":978.87,"end":979.67,"sentiment":"neutral","sentiment_score":0.07576929777860641},{"text":"So correct.","start":979.67,"end":982.89,"sentiment":"neutral","sentiment_score":0.04813765734434128},{"text":"Either way.","start":983.19,"end":983.83,"sentiment":"neutral","sentiment_score":0.07815174013376236},{"text":"So I have sent you that document.","start":983.83,"end":985.61,"sentiment":"neutral","sentiment_score":0.1344440717782293}],"sentiment":"neutral","sentiment_score":0.10212853817003113,"num_words":14,"start":978.39,"end":985.61},{"sentences":[{"text":"Have a have a read over it when you have a moment.","start":986.02496,"end":988.685,"sentiment":"neutral","sentiment_score":0.17438018694519997},{"text":"Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you.","start":989.065,"end":995.96497,"sentiment":"neutral","sentiment_score":0.22729674014060394},{"text":"You can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that.","start":996.185,"end":1005.04,"sentiment":"neutral","sentiment_score":0.15155243501067162},{"text":"You can also see my personal license number, my authorized representative number listed on the cover page.","start":1005.26,"end":1012.96,"sentiment":"neutral","sentiment_score":0.11933685411863468},{"text":"And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else.","start":1013.60504,"end":1026.665,"sentiment":"neutral","sentiment_score":0.2502295817983778}],"sentiment":"neutral","sentiment_score":0.19898987813768063,"num_words":110,"start":986.02496,"end":1026.665},{"sentences":[{"text":"And that the advice itself has to put you in a better position as a result of the advice.","start":1027.0901,"end":1034.31,"sentiment":"neutral","sentiment_score":0.23900131253819717},{"text":"Otherwise, we can't actually make the recommendation.","start":1034.53,"end":1036.9501,"sentiment":"neutral","sentiment_score":-0.21615002197878702},{"text":"And if I don't act in your best interest, then I will lose my license.","start":1037.9701,"end":1042.15,"sentiment":"negative","sentiment_score":-0.5136191189289093},{"text":"If I lose my license, my I will lose my job, and my husband at home won't be too happy with me.","start":1042.6549,"end":1047.9349,"sentiment":"negative","sentiment_score":-0.5476148887114092},{"text":"So there's there's a lot in place to protect you at the end of the day.","start":1047.9349,"end":1052.4149,"sentiment":"neutral","sentiment_score":-0.10402441956102848}],"sentiment":"neutral","sentiment_score":-0.2327624084074286,"num_words":79,"start":1027.0901,"end":1052.4149},{"sentences":[{"text":"Okay?","start":1052.4149,"end":1052.9149,"sentiment":"neutral","sentiment_score":0.0476246252655983},{"text":"That's okay.","start":1056.6699,"end":1057.5499,"sentiment":"positive","sentiment_score":0.36299122869968414},{"text":"Now it is also valid for a little bit.","start":1057.5499,"end":1059.95,"sentiment":"neutral","sentiment_score":0.2804538822836346},{"text":"So it is valid for sixty days.","start":1059.95,"end":1062.2899,"sentiment":"neutral","sentiment_score":0.2515770601374762},{"text":"So you have a bit of time to obviously have a read over it.","start":1062.59,"end":1066.13,"sentiment":"neutral","sentiment_score":0.18956023348229273}],"sentiment":"neutral","sentiment_score":0.23371438524036697,"num_words":33,"start":1052.4149,"end":1066.13},{"sentences":[{"text":"Now, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time.","start":1066.6699,"end":1078.1449,"sentiment":"neutral","sentiment_score":0.07397475351269046},{"text":"But when you have a moment, have a read through the document.","start":1078.365,"end":1081.505,"sentiment":"neutral","sentiment_score":0.13309371409316859},{"text":"If you have any questions at all, just call the call the office and ask me or send me an email.","start":1082.0,"end":1087.68,"sentiment":"neutral","sentiment_score":0.14849247251238143},{"text":"That is perfectly fine.","start":1087.68,"end":1089.2201,"sentiment":"neutral","sentiment_score":0.3169716149568558},{"text":"Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation.","start":1090.0801,"end":1109.3151,"sentiment":"positive","sentiment_score":0.37420786159937497}],"sentiment":"neutral","sentiment_score":0.24241621183318784,"num_words":128,"start":1066.6699,"end":1109.3151},{"sentences":[{"text":"Does that all make sense?","start":1110.92,"end":1112.22,"sentiment":"neutral","sentiment_score":0.1741144686937332},{"text":"Yes.","start":1113.32,"end":1113.82,"sentiment":"neutral","sentiment_score":0.1829584836959839},{"text":"Correct.","start":1119.32,"end":1119.82,"sentiment":"neutral","sentiment_score":0.261656254529953},{"text":"So if you are happy with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy of the signed one.","start":1120.04,"end":1131.285,"sentiment":"neutral","sentiment_score":0.2567691790896493},{"text":"But if you have any questions, you just let me know.","start":1131.285,"end":1133.9451,"sentiment":"neutral","sentiment_score":0.11004379256205125}],"sentiment":"neutral","sentiment_score":0.21865688047625803,"num_words":55,"start":1110.92,"end":1133.9451},{"sentences":[{"text":"Yeah.","start":1134.405,"end":1134.905,"sentiment":"neutral","sentiment_score":0.10086016356945038},{"text":"Yeah.","start":1137.5701,"end":1138.0701,"sentiment":"neutral","sentiment_score":0.08396837115287781},{"text":"No worries.","start":1138.6901,"end":1139.3301,"sentiment":"neutral","sentiment_score":0.08465234562754631},{"text":"Well, thank you so much for your time this afternoon, Jose.","start":1139.3301,"end":1143.1101,"sentiment":"positive","sentiment_score":0.7827855511145159},{"text":"I will let you get back to it.","start":1143.4901,"end":1145.9701,"sentiment":"positive","sentiment_score":0.40864409133791924}],"sentiment":"positive","sentiment_score":0.5319098703887152,"num_words":23,"start":1134.405,"end":1145.9701},{"sentences":[{"text":"But like I said, any questions, just give me a call or an email.","start":1145.9701,"end":1150.895,"sentiment":"neutral","sentiment_score":0.125907374812024},{"text":"Otherwise, I'll keep a look at to see if that documents come through as well for you.","start":1150.955,"end":1154.975,"sentiment":"neutral","sentiment_score":0.278568132835276},{"text":"No problem at all.","start":1158.955,"end":1159.755,"sentiment":"positive","sentiment_score":0.6451674997806549},{"text":"We'll speak soon, and you have a lovely rest of your afternoon.","start":1159.755,"end":1162.575,"sentiment":"positive","sentiment_score":0.7218624353408813},{"text":"Thank you.","start":1166.0688,"end":1166.8889,"sentiment":"positive","sentiment_score":0.6206593215465546}],"sentiment":"positive","sentiment_score":0.38740202799743534,"num_words":49,"start":1145.9701,"end":1166.8889},{"sentences":[{"text":"Bye for now.","start":1166.9489,"end":1167.8489,"sentiment":"neutral","sentiment_score":0.3252644141515096},{"text":"Bye.","start":1170.2289,"end":1170.7289,"sentiment":"neutral","sentiment_score":-0.1254221647977829}],"sentiment":"neutral","sentiment_score":0.21259276941418648,"num_words":4,"start":1166.9489,"end":1170.7289}]}}]},{"alternatives":[{"transcript":"Yes. Indeed. Jose. Hey, Veronica. Go ahead. Go ahead. Go ahead. I have one hour and forty minutes. Okay. No problem. Jose Morisho Holcote. Twenty eight nineteen seventy seventy seven. I'm driving. Yes. Why? Hello? Okay. The one we talked last time. The one who is losing one. Okay. Okay. Let me go to tell me what is about it, and after that, when I get home, I just quickly check it in. Yes. Are you working for half twenty four? Okay. I just okay. Okay. Okay. Hello? Okay. Okay. That's it. Okay. Okay. K. Okay. Yes. Yes. Yes. Yep. Yeah. Okay. Yes. Yeah. That's okay. So what you're saying, like, whatever is not ending in that, we just recheck it either way for investment or yeah. Yes. Okay. Okay. Okay. No pressure, Veronica. Okay. Okay. Thank you so much. Okay. Okay. No. So far, I reckon it's clear. If I have any questions, I will send you one mail, I think so, or I call you back to the number. Okay. Thank you so much. Just to confirm, if I send it if I send you the documents forward, it's like, I'm agreeing with the change. Done. Okay. Oh, okay. Okay. Bye. No worries. Okay. Thank you so much, Mary. You too. Thank you. Bye bye. Bye bye.","confidence":0.951416,"words":[{"word":"yes","start":0.39999998,"end":0.9,"confidence":0.4777832,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13179872930049896},{"word":"indeed","start":6.08,"end":6.48,"confidence":0.6578369,"punctuated_word":"Indeed.","sentiment":"neutral","sentiment_score":0.2106315791606903},{"word":"jose","start":6.48,"end":6.98,"confidence":0.97631836,"punctuated_word":"Jose.","sentiment":"neutral","sentiment_score":0.14283649623394012},{"word":"hey","start":10.24,"end":10.48,"confidence":0.7302246,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.1400810480117798},{"word":"veronica","start":10.48,"end":10.98,"confidence":0.8208008,"punctuated_word":"Veronica.","sentiment":"neutral","sentiment_score":0.1266161948442459},{"word":"go","start":25.835,"end":25.994999,"confidence":0.69628906,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.07925456762313843},{"word":"ahead","start":25.994999,"end":26.235,"confidence":0.9946289,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":0.07544054836034775},{"word":"go","start":26.235,"end":26.474998,"confidence":0.99902344,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.07690534740686417},{"word":"ahead","start":26.474998,"end":26.634998,"confidence":1.0,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":0.08771981298923492},{"word":"go","start":26.634998,"end":26.795,"confidence":0.99902344,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.07675518840551376},{"word":"ahead","start":26.795,"end":27.115,"confidence":1.0,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":0.10227295756340028},{"word":"i","start":27.115,"end":27.275,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08736574649810791},{"word":"have","start":27.275,"end":27.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07838352769613266},{"word":"one","start":27.435,"end":27.675,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0993802845478058},{"word":"hour","start":27.675,"end":27.915,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.09916529059410097},{"word":"and","start":27.915,"end":28.075,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08798175305128098},{"word":"forty","start":28.075,"end":28.395,"confidence":0.6538086,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.11558286100625992},{"word":"minutes","start":28.395,"end":28.895,"confidence":0.99853516,"punctuated_word":"minutes.","sentiment":"neutral","sentiment_score":0.10846453905105592},{"word":"okay","start":39.98,"end":40.38,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1104574054479599},{"word":"no","start":40.38,"end":40.54,"confidence":0.9970703,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.19371536374092105},{"word":"problem","start":40.54,"end":41.04,"confidence":0.9946289,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.2223511338233948},{"word":"jose","start":56.53,"end":56.93,"confidence":0.8540039,"punctuated_word":"Jose","sentiment":"neutral","sentiment_score":0.02154192142188549},{"word":"morisho","start":56.93,"end":57.41,"confidence":0.28271484,"punctuated_word":"Morisho","sentiment":"neutral","sentiment_score":0.029355138540267944},{"word":"holcote","start":57.41,"end":57.91,"confidence":0.6588745,"punctuated_word":"Holcote.","sentiment":"neutral","sentiment_score":0.026897581294178963},{"word":"twenty","start":58.61,"end":59.11,"confidence":0.9863281,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.02437194436788559},{"word":"eight","start":59.17,"end":59.489998,"confidence":0.98828125,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.0181216262280941},{"word":"nineteen","start":59.489998,"end":59.97,"confidence":0.80126953,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.029484907165169716},{"word":"seventy","start":59.97,"end":60.45,"confidence":0.9941406,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.023291265591979027},{"word":"seventy","start":60.45,"end":60.93,"confidence":0.69140625,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.029287323355674744},{"word":"seven","start":60.93,"end":61.43,"confidence":0.9926758,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.03169511631131172},{"word":"i'm","start":69.01,"end":69.25,"confidence":0.7150879,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.014585394412279127},{"word":"driving","start":69.25,"end":69.75,"confidence":0.8510742,"punctuated_word":"driving.","sentiment":"neutral","sentiment_score":0.018196063116192818},{"word":"yes","start":73.045,"end":73.545,"confidence":0.79956055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.023811794817447662},{"word":"why","start":73.604996,"end":74.104996,"confidence":0.9406738,"punctuated_word":"Why?","sentiment":"neutral","sentiment_score":0.0006390344351530075},{"word":"hello","start":75.284996,"end":75.784996,"confidence":0.82958984,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.018463801592588425},{"word":"okay","start":85.31,"end":85.81,"confidence":0.98291016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.027285994961857796},{"word":"the","start":85.87,"end":86.11,"confidence":0.5683594,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01863836869597435},{"word":"one","start":86.11,"end":86.27,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.013975776731967926},{"word":"we","start":86.27,"end":86.43,"confidence":0.6694336,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01107603684067726},{"word":"talked","start":86.43,"end":86.67,"confidence":0.25097656,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.00865187868475914},{"word":"last","start":86.67,"end":86.909996,"confidence":0.92089844,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.015784285962581635},{"word":"time","start":86.909996,"end":87.409996,"confidence":0.9416504,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.030275804921984673},{"word":"the","start":89.55,"end":89.71,"confidence":0.7314453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.06283523142337799},{"word":"one","start":89.71,"end":89.95,"confidence":0.96875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0540754571557045},{"word":"who","start":89.95,"end":90.11,"confidence":0.72216797,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.07169444859027863},{"word":"is","start":90.11,"end":90.35,"confidence":0.8964844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07823768258094788},{"word":"losing","start":90.35,"end":90.67,"confidence":0.99316406,"punctuated_word":"losing","sentiment":"neutral","sentiment_score":-0.07239315658807755},{"word":"one","start":90.67,"end":91.17,"confidence":0.79345703,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.08470704406499863},{"word":"okay","start":108.845,"end":109.345,"confidence":0.96875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09714061766862868},{"word":"okay","start":127.785,"end":128.10501,"confidence":0.7570801,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.017524976283311844},{"word":"let","start":128.10501,"end":128.265,"confidence":0.8105469,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.07805414497852325},{"word":"me","start":128.265,"end":128.425,"confidence":0.5107422,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05702351033687592},{"word":"go","start":128.425,"end":128.505,"confidence":0.91503906,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06854286044836044},{"word":"to","start":128.505,"end":128.66501,"confidence":0.88183594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055192731320858},{"word":"tell","start":128.66501,"end":128.825,"confidence":0.96875,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.05988129228353501},{"word":"me","start":128.825,"end":128.985,"confidence":0.96435547,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06281615793704987},{"word":"what","start":128.985,"end":129.225,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.036856759339571},{"word":"is","start":129.225,"end":129.30501,"confidence":0.95166016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03219211846590042},{"word":"about","start":129.30501,"end":129.545,"confidence":0.9770508,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.035294659435749054},{"word":"it","start":129.545,"end":129.705,"confidence":0.77001953,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.05129009485244751},{"word":"and","start":129.705,"end":129.945,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03489961102604866},{"word":"after","start":129.945,"end":130.185,"confidence":0.9892578,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.043128736317157745},{"word":"that","start":130.185,"end":130.345,"confidence":0.7783203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.055284708738327026},{"word":"when","start":130.345,"end":130.505,"confidence":0.96972656,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04345358908176422},{"word":"i","start":130.505,"end":130.66501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04690165817737579},{"word":"get","start":130.66501,"end":130.905,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.04000762104988098},{"word":"home","start":130.905,"end":131.145,"confidence":0.9916992,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.033470526337623596},{"word":"i","start":131.145,"end":131.30501,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02743564546108246},{"word":"just","start":131.30501,"end":131.80501,"confidence":0.9013672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.022281058132648468},{"word":"quickly","start":132.345,"end":132.74501,"confidence":0.9873047,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.04307255148887634},{"word":"check","start":132.74501,"end":133.065,"confidence":0.83984375,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.03643861413002014},{"word":"it","start":133.065,"end":133.225,"confidence":0.69921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10483592748641968},{"word":"in","start":133.225,"end":133.725,"confidence":0.7890625,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.15866748988628387},{"word":"yes","start":192.32999,"end":192.82999,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0906737893819809},{"word":"are","start":193.04999,"end":193.29,"confidence":0.9243164,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.03160831332206726},{"word":"you","start":193.29,"end":193.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.032134491950273514},{"word":"working","start":193.37,"end":193.76999,"confidence":0.9921875,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.05206190049648285},{"word":"for","start":193.76999,"end":194.09,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004470219835639},{"word":"half","start":194.09,"end":194.32999,"confidence":0.203125,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.008367370814085007},{"word":"twenty","start":194.32999,"end":194.73,"confidence":0.57128906,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.007112391293048859},{"word":"four","start":194.73,"end":195.23,"confidence":0.9890137,"punctuated_word":"four?","sentiment":"neutral","sentiment_score":0.002434104681015014},{"word":"okay","start":199.29,"end":199.79,"confidence":0.9633789,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03444143384695053},{"word":"i","start":200.09,"end":200.25,"confidence":0.671875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03232601284980774},{"word":"just","start":200.25,"end":200.625,"confidence":0.88964844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.008083250373601913},{"word":"okay","start":208.0875,"end":208.5875,"confidence":0.9404297,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07736201584339142},{"word":"okay","start":254.14,"end":254.64,"confidence":0.96240234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1621406078338623},{"word":"okay","start":263.025,"end":263.525,"confidence":0.9404297,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12798380851745603},{"word":"hello","start":277.93,"end":278.43,"confidence":0.89868164,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.03618854656815529},{"word":"okay","start":305.94,"end":306.44,"confidence":0.9916992,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4289636909961701},{"word":"okay","start":314.42,"end":314.9,"confidence":0.7727051,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21456027030944824},{"word":"that's","start":314.9,"end":315.22,"confidence":0.8679199,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16841554641723633},{"word":"it","start":315.22,"end":315.72,"confidence":0.9729004,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11503889411687852},{"word":"okay","start":352.95502,"end":353.45502,"confidence":0.98339844,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2718484699726105},{"word":"okay","start":365.81,"end":366.31,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2696583867073059},{"word":"k","start":399.00998,"end":399.50998,"confidence":0.80322266,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.20228281617164612},{"word":"okay","start":464.05502,"end":464.55502,"confidence":0.9157715,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1674289107322693},{"word":"yes","start":464.61502,"end":465.015,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1928774267435074},{"word":"yes","start":465.015,"end":465.17502,"confidence":0.91674805,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1862461268901825},{"word":"yes","start":465.17502,"end":465.67502,"confidence":0.90185547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1855810284614563},{"word":"yep","start":502.53,"end":503.03,"confidence":0.8051758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11209847778081894},{"word":"yeah","start":513.405,"end":513.905,"confidence":0.8901367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08885027468204498},{"word":"okay","start":569.78503,"end":570.28503,"confidence":0.97753906,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.047791533172130585},{"word":"yes","start":602.09503,"end":602.59503,"confidence":0.986084,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1920505464076996},{"word":"yeah","start":699.33997,"end":699.83997,"confidence":0.76953125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025654973462224007},{"word":"that's","start":738.24,"end":738.74,"confidence":0.56640625,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03968300297856331},{"word":"okay","start":742.575,"end":743.075,"confidence":0.5928955,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.17919079959392548},{"word":"so","start":745.615,"end":745.935,"confidence":0.7026367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028347443789243695},{"word":"what","start":745.935,"end":746.175,"confidence":0.56152344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.040302641689777374},{"word":"you're","start":746.175,"end":746.335,"confidence":0.68359375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.032683588564395905},{"word":"saying","start":746.335,"end":746.495,"confidence":0.8540039,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":0.0340598039329052},{"word":"like","start":746.495,"end":746.995,"confidence":0.96435547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.039356131106615067},{"word":"whatever","start":747.375,"end":747.855,"confidence":0.8095703,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.011255428194999697},{"word":"is","start":747.855,"end":748.095,"confidence":0.37353516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015222355723381042},{"word":"not","start":748.095,"end":748.335,"confidence":0.8041992,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.023351602256298065},{"word":"ending","start":748.335,"end":748.655,"confidence":0.97998047,"punctuated_word":"ending","sentiment":"neutral","sentiment_score":-0.07876749336719513},{"word":"in","start":748.655,"end":748.735,"confidence":0.47070312,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04597872495651245},{"word":"that","start":748.735,"end":749.215,"confidence":0.6628418,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.03351101279258728},{"word":"we","start":749.215,"end":749.375,"confidence":0.8964844,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008075837045907974},{"word":"just","start":749.375,"end":749.875,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014174770563840866},{"word":"recheck","start":751.055,"end":751.555,"confidence":0.7972819,"punctuated_word":"recheck","sentiment":"neutral","sentiment_score":-0.02093181572854519},{"word":"it","start":751.695,"end":752.195,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.026303507387638092},{"word":"either","start":752.415,"end":752.655,"confidence":0.4885254,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.00013793259859085083},{"word":"way","start":752.655,"end":752.895,"confidence":0.99121094,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.0014323145151138306},{"word":"for","start":752.895,"end":753.055,"confidence":0.87060547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00688641332089901},{"word":"investment","start":753.055,"end":753.555,"confidence":0.88720703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.008652176707983017},{"word":"or","start":753.615,"end":754.115,"confidence":0.78027344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.001692827790975571},{"word":"yeah","start":769.03,"end":769.53,"confidence":0.6320801,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0330127589404583},{"word":"yes","start":771.54504,"end":772.04504,"confidence":0.86035156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19237631559371948},{"word":"okay","start":805.255,"end":805.755,"confidence":0.73913574,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06345456838607788},{"word":"okay","start":807.015,"end":807.515,"confidence":0.81103516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04638058692216873},{"word":"okay","start":808.775,"end":808.935,"confidence":0.8413086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04060531035065651},{"word":"no","start":808.935,"end":809.255,"confidence":0.63378906,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.027498122304677963},{"word":"pressure","start":809.255,"end":809.755,"confidence":0.6411133,"punctuated_word":"pressure,","sentiment":"neutral","sentiment_score":0.0014940649271011353},{"word":"veronica","start":809.895,"end":810.395,"confidence":0.95336914,"punctuated_word":"Veronica.","sentiment":"neutral","sentiment_score":-0.010112922638654709},{"word":"okay","start":877.48004,"end":877.98004,"confidence":0.9785156,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.374456524848938},{"word":"okay","start":880.41504,"end":880.815,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5512200593948364},{"word":"thank","start":880.815,"end":881.055,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7992078065872192},{"word":"you","start":881.055,"end":881.29504,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7982702255249023},{"word":"so","start":881.29504,"end":881.455,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7767899036407471},{"word":"much","start":881.455,"end":881.955,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.679427981376648},{"word":"okay","start":927.73,"end":928.23,"confidence":0.98657227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2269219011068344},{"word":"okay","start":962.72,"end":963.22,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15629905462265015},{"word":"no","start":972.22504,"end":972.54504,"confidence":0.7072754,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.053952932357788086},{"word":"so","start":972.54504,"end":972.865,"confidence":0.9223633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.026255305856466293},{"word":"far","start":972.865,"end":973.265,"confidence":0.6732178,"punctuated_word":"far,","sentiment":"neutral","sentiment_score":-0.027089882642030716},{"word":"i","start":973.265,"end":973.425,"confidence":0.24353027,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06174347549676895},{"word":"reckon","start":973.425,"end":973.925,"confidence":0.4038086,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.03673590719699859},{"word":"it's","start":974.065,"end":974.145,"confidence":0.6791992,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09021762013435364},{"word":"clear","start":974.145,"end":974.625,"confidence":0.970459,"punctuated_word":"clear.","sentiment":"neutral","sentiment_score":0.08173051476478577},{"word":"if","start":974.625,"end":974.78503,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.08394485712051392},{"word":"i","start":974.78503,"end":974.945,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05496532842516899},{"word":"have","start":974.945,"end":975.185,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0629914402961731},{"word":"any","start":975.185,"end":975.425,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08732010424137115},{"word":"questions","start":975.425,"end":975.825,"confidence":0.9921875,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.052074529230594635},{"word":"i","start":975.825,"end":975.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05150404945015907},{"word":"will","start":975.985,"end":976.145,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05456991493701935},{"word":"send","start":976.145,"end":976.385,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.060401856899261475},{"word":"you","start":976.385,"end":976.54504,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05358812212944031},{"word":"one","start":976.54504,"end":976.865,"confidence":0.93115234,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.029926173388957977},{"word":"mail","start":976.865,"end":977.10504,"confidence":0.6452637,"punctuated_word":"mail,","sentiment":"neutral","sentiment_score":0.030890118330717087},{"word":"i","start":977.10504,"end":977.185,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030655093491077423},{"word":"think","start":977.185,"end":977.425,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.020842717960476875},{"word":"so","start":977.425,"end":977.925,"confidence":0.609375,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.03548337519168854},{"word":"or","start":979.85004,"end":979.93,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.030267221853137016},{"word":"i","start":979.93,"end":980.17004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04390867054462433},{"word":"call","start":980.17004,"end":980.57,"confidence":0.7397461,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.03528722748160362},{"word":"you","start":980.57,"end":980.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030151616781949997},{"word":"back","start":980.65,"end":980.97003,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.02901068329811096},{"word":"to","start":980.97003,"end":981.13,"confidence":0.9277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021278880536556244},{"word":"the","start":981.13,"end":981.29004,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03696727007627487},{"word":"number","start":981.29004,"end":981.79004,"confidence":0.9567871,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.03157001733779907},{"word":"okay","start":1055.045,"end":1055.365,"confidence":0.7512207,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1711111068725586},{"word":"thank","start":1055.365,"end":1055.605,"confidence":0.9941406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5621160268783569},{"word":"you","start":1055.605,"end":1055.845,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5843756794929504},{"word":"so","start":1055.845,"end":1056.085,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5559319257736206},{"word":"much","start":1056.085,"end":1056.585,"confidence":0.9946289,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.5284417271614075},{"word":"just","start":1111.535,"end":1111.775,"confidence":0.99121094,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.17207969725131989},{"word":"to","start":1111.775,"end":1111.935,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05670539662241936},{"word":"confirm","start":1111.935,"end":1112.435,"confidence":0.951416,"punctuated_word":"confirm,","sentiment":"neutral","sentiment_score":0.09005221724510193},{"word":"if","start":1112.655,"end":1112.895,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09578119218349455},{"word":"i","start":1112.895,"end":1113.055,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07600336521863937},{"word":"send","start":1113.055,"end":1113.295,"confidence":0.97802734,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0822160542011261},{"word":"it","start":1113.295,"end":1113.4551,"confidence":0.8574219,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0951119065284729},{"word":"if","start":1113.775,"end":1114.015,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2084392607212067},{"word":"i","start":1114.015,"end":1114.175,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2267698347568512},{"word":"send","start":1114.175,"end":1114.415,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2225680351257324},{"word":"you","start":1114.415,"end":1114.655,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26794978976249695},{"word":"the","start":1114.655,"end":1114.895,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22877997159957889},{"word":"documents","start":1114.895,"end":1115.395,"confidence":0.7519531,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.15940320491790771},{"word":"forward","start":1115.4551,"end":1115.9551,"confidence":0.9580078,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.25298288464546204},{"word":"it's","start":1116.0951,"end":1116.3351,"confidence":0.80737305,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.26640695333480835},{"word":"like","start":1116.3351,"end":1116.7351,"confidence":0.56103516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.28730568289756775},{"word":"i'm","start":1116.7351,"end":1116.9751,"confidence":0.8347168,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.26406189799308777},{"word":"agreeing","start":1116.9751,"end":1117.375,"confidence":0.35083008,"punctuated_word":"agreeing","sentiment":"neutral","sentiment_score":0.26533788442611694},{"word":"with","start":1117.375,"end":1117.535,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27978283166885376},{"word":"the","start":1117.535,"end":1117.6951,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27207717299461365},{"word":"change","start":1117.6951,"end":1118.1951,"confidence":0.95410156,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.22182926535606384},{"word":"done","start":1121.53,"end":1122.03,"confidence":0.7233887,"punctuated_word":"Done.","sentiment":"positive","sentiment_score":0.3539956510066986},{"word":"okay","start":1129.61,"end":1130.11,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1862855851650238},{"word":"oh","start":1133.225,"end":1133.385,"confidence":0.7253418,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10972709953784944},{"word":"okay","start":1133.385,"end":1133.885,"confidence":0.9909668,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11699691414833067},{"word":"okay","start":1136.745,"end":1137.065,"confidence":0.92163086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10718249529600143},{"word":"bye","start":1137.065,"end":1137.385,"confidence":0.73461914,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.11765724420547484},{"word":"no","start":1137.385,"end":1137.625,"confidence":0.6225586,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.09373486042022704},{"word":"worries","start":1137.625,"end":1138.125,"confidence":0.80615234,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.10580742359161376},{"word":"okay","start":1156.6,"end":1156.84,"confidence":0.9321289,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.35571572184562683},{"word":"thank","start":1156.84,"end":1157.08,"confidence":0.99316406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7370973825454712},{"word":"you","start":1157.08,"end":1157.32,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7713939547538757},{"word":"so","start":1157.32,"end":1157.48,"confidence":0.99609375,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7341867089271545},{"word":"much","start":1157.48,"end":1157.98,"confidence":0.9189453,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.6134361028671265},{"word":"mary","start":1164.205,"end":1164.405,"confidence":0.5476074,"punctuated_word":"Mary.","sentiment":"positive","sentiment_score":0.44990354776382446},{"word":"you","start":1164.405,"end":1164.605,"confidence":0.92333984,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4396814703941345},{"word":"too","start":1164.605,"end":1164.765,"confidence":0.9975586,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.3830499053001404},{"word":"thank","start":1164.765,"end":1165.005,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6682810187339783},{"word":"you","start":1165.005,"end":1165.505,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6636154651641846},{"word":"bye","start":1168.4451,"end":1168.685,"confidence":0.26513672,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.134151428937912},{"word":"bye","start":1168.685,"end":1169.185,"confidence":0.8527832,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.20800849795341492},{"word":"bye","start":1169.725,"end":1169.965,"confidence":0.7988281,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.12613211572170258},{"word":"bye","start":1169.965,"end":1170.465,"confidence":0.87231445,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":0.17053785920143127}],"paragraphs":{"transcript":"\nYes. Indeed. Jose. Hey, Veronica. Go ahead.\n\nGo ahead. Go ahead. I have one hour and forty minutes. Okay. No problem.\n\nJose Morisho Holcote. Twenty eight nineteen seventy seventy seven. I'm driving. Yes. Why?\n\nHello? Okay. The one we talked last time. The one who is losing one. Okay.\n\nOkay. Let me go to tell me what is about it, and after that, when I get home, I just quickly check it in. Yes. Are you working for half twenty four? Okay.\n\nI just okay. Okay. Okay. Hello? Okay.\n\nOkay. That's it. Okay. Okay. K.\n\nOkay. Yes. Yes. Yes. Yep.\n\nYeah. Okay. Yes. Yeah. That's okay.\n\nSo what you're saying, like, whatever is not ending in that, we just recheck it either way for investment or yeah. Yes. Okay. Okay. Okay.\n\nNo pressure, Veronica. Okay. Okay. Thank you so much. Okay.\n\nOkay. No. So far, I reckon it's clear. If I have any questions, I will send you one mail, I think so, or I call you back to the number. Okay.\n\nThank you so much. Just to confirm, if I send it if I send you the documents forward, it's like, I'm agreeing with the change. Done. Okay. Oh, okay.\n\nOkay. Bye. No worries. Okay. Thank you so much, Mary.\n\nYou too. Thank you. Bye bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Yes.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.13179872930049896},{"text":"Indeed.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.2106315791606903},{"text":"Jose.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.14283649623394012},{"text":"Hey, Veronica.","start":10.24,"end":10.98,"sentiment":"neutral","sentiment_score":0.13334862142801285},{"text":"Go ahead.","start":25.835,"end":26.235,"sentiment":"neutral","sentiment_score":0.07734755799174309}],"sentiment":"neutral","sentiment_score":0.1295227376478059,"num_words":7,"start":0.39999998,"end":26.235},{"sentences":[{"text":"Go ahead.","start":26.235,"end":26.634998,"sentiment":"neutral","sentiment_score":0.08231258019804955},{"text":"Go ahead.","start":26.634998,"end":27.115,"sentiment":"neutral","sentiment_score":0.08951407298445702},{"text":"I have one hour and forty minutes.","start":27.115,"end":28.895,"sentiment":"neutral","sentiment_score":0.09661771463496345},{"text":"Okay.","start":39.98,"end":40.38,"sentiment":"neutral","sentiment_score":0.1104574054479599},{"text":"No problem.","start":40.38,"end":41.04,"sentiment":"neutral","sentiment_score":0.20803324878215793}],"sentiment":"neutral","sentiment_score":0.11046437227300235,"num_words":14,"start":26.235,"end":41.04},{"sentences":[{"text":"Jose Morisho Holcote.","start":56.53,"end":57.91,"sentiment":"neutral","sentiment_score":0.025931547085444134},{"text":"Twenty eight nineteen seventy seventy seven.","start":58.61,"end":61.43,"sentiment":"neutral","sentiment_score":0.026042030503352482},{"text":"I'm driving.","start":69.01,"end":69.75,"sentiment":"neutral","sentiment_score":0.016390728764235973},{"text":"Yes.","start":73.045,"end":73.545,"sentiment":"neutral","sentiment_score":0.023811794817447662},{"text":"Why?","start":73.604996,"end":74.104996,"sentiment":"neutral","sentiment_score":0.0006390344351530075}],"sentiment":"neutral","sentiment_score":0.02240608546596307,"num_words":13,"start":56.53,"end":74.104996},{"sentences":[{"text":"Hello?","start":75.284996,"end":75.784996,"sentiment":"neutral","sentiment_score":0.018463801592588425},{"text":"Okay.","start":85.31,"end":85.81,"sentiment":"neutral","sentiment_score":0.027285994961857796},{"text":"The one we talked last time.","start":85.87,"end":87.409996,"sentiment":"neutral","sentiment_score":-0.013516399078071117},{"text":"The one who is losing one.","start":89.55,"end":91.17,"sentiment":"neutral","sentiment_score":-0.07065717006723087},{"text":"Okay.","start":108.845,"end":109.345,"sentiment":"neutral","sentiment_score":0.09714061766862868}],"sentiment":"neutral","sentiment_score":-0.02414340004324913,"num_words":15,"start":75.284996,"end":109.345},{"sentences":[{"text":"Okay.","start":127.785,"end":128.10501,"sentiment":"neutral","sentiment_score":0.017524976283311844},{"text":"Let me go to tell me what is about it, and after that, when I get home, I just quickly check it in.","start":128.10501,"end":133.725,"sentiment":"neutral","sentiment_score":0.05334878550923389},{"text":"Yes.","start":192.32999,"end":192.82999,"sentiment":"neutral","sentiment_score":0.0906737893819809},{"text":"Are you working for half twenty four?","start":193.04999,"end":195.23,"sentiment":"neutral","sentiment_score":0.018464050388761928},{"text":"Okay.","start":199.29,"end":199.79,"sentiment":"neutral","sentiment_score":0.03444143384695053}],"sentiment":"neutral","sentiment_score":0.04542153390745322,"num_words":33,"start":127.785,"end":199.79},{"sentences":[{"text":"I just okay.","start":200.09,"end":208.5875,"sentiment":"neutral","sentiment_score":0.03925709302226702},{"text":"Okay.","start":254.14,"end":254.64,"sentiment":"neutral","sentiment_score":0.1621406078338623},{"text":"Okay.","start":263.025,"end":263.525,"sentiment":"neutral","sentiment_score":0.12798380851745603},{"text":"Hello?","start":277.93,"end":278.43,"sentiment":"neutral","sentiment_score":0.03618854656815529},{"text":"Okay.","start":305.94,"end":306.44,"sentiment":"positive","sentiment_score":0.4289636909961701}],"sentiment":"neutral","sentiment_score":0.1247211332832064,"num_words":7,"start":200.09,"end":306.44},{"sentences":[{"text":"Okay.","start":314.42,"end":314.9,"sentiment":"neutral","sentiment_score":0.21456027030944824},{"text":"That's it.","start":314.9,"end":315.72,"sentiment":"neutral","sentiment_score":0.14172722026705742},{"text":"Okay.","start":352.95502,"end":353.45502,"sentiment":"neutral","sentiment_score":0.2718484699726105},{"text":"Okay.","start":365.81,"end":366.31,"sentiment":"neutral","sentiment_score":0.2696583867073059},{"text":"K.","start":399.00998,"end":399.50998,"sentiment":"neutral","sentiment_score":0.20228281617164612}],"sentiment":"neutral","sentiment_score":0.20696739728252092,"num_words":6,"start":314.42,"end":399.50998},{"sentences":[{"text":"Okay.","start":464.05502,"end":464.55502,"sentiment":"neutral","sentiment_score":0.1674289107322693},{"text":"Yes.","start":464.61502,"end":465.015,"sentiment":"neutral","sentiment_score":0.1928774267435074},{"text":"Yes.","start":465.015,"end":465.17502,"sentiment":"neutral","sentiment_score":0.1862461268901825},{"text":"Yes.","start":465.17502,"end":465.67502,"sentiment":"neutral","sentiment_score":0.1855810284614563},{"text":"Yep.","start":502.53,"end":503.03,"sentiment":"neutral","sentiment_score":0.11209847778081894}],"sentiment":"neutral","sentiment_score":0.16884639412164687,"num_words":5,"start":464.05502,"end":503.03},{"sentences":[{"text":"Yeah.","start":513.405,"end":513.905,"sentiment":"neutral","sentiment_score":0.08885027468204498},{"text":"Okay.","start":569.78503,"end":570.28503,"sentiment":"neutral","sentiment_score":-0.047791533172130585},{"text":"Yes.","start":602.09503,"end":602.59503,"sentiment":"neutral","sentiment_score":0.1920505464076996},{"text":"Yeah.","start":699.33997,"end":699.83997,"sentiment":"neutral","sentiment_score":0.025654973462224007},{"text":"That's okay.","start":738.24,"end":743.075,"sentiment":"neutral","sentiment_score":0.10943690128624439}],"sentiment":"neutral","sentiment_score":0.07960634399205446,"num_words":6,"start":513.405,"end":743.075},{"sentences":[{"text":"So what you're saying, like, whatever is not ending in that, we just recheck it either way for investment or yeah.","start":745.615,"end":769.53,"sentiment":"neutral","sentiment_score":-0.0022173170887288592},{"text":"Yes.","start":771.54504,"end":772.04504,"sentiment":"neutral","sentiment_score":0.19237631559371948},{"text":"Okay.","start":805.255,"end":805.755,"sentiment":"neutral","sentiment_score":0.06345456838607788},{"text":"Okay.","start":807.015,"end":807.515,"sentiment":"neutral","sentiment_score":0.04638058692216873},{"text":"Okay.","start":808.775,"end":808.935,"sentiment":"neutral","sentiment_score":0.04060531035065651}],"sentiment":"neutral","sentiment_score":0.011850124895572663,"num_words":25,"start":745.615,"end":808.935},{"sentences":[{"text":"No pressure, Veronica.","start":808.935,"end":810.395,"sentiment":"neutral","sentiment_score":0.00629308819770813},{"text":"Okay.","start":877.48004,"end":877.98004,"sentiment":"positive","sentiment_score":0.374456524848938},{"text":"Okay.","start":880.41504,"end":880.815,"sentiment":"positive","sentiment_score":0.5512200593948364},{"text":"Thank you so much.","start":880.815,"end":881.955,"sentiment":"positive","sentiment_score":0.7634239792823792},{"text":"Okay.","start":927.73,"end":928.23,"sentiment":"neutral","sentiment_score":0.2269219011068344}],"sentiment":"positive","sentiment_score":0.422517366707325,"num_words":10,"start":808.935,"end":928.23},{"sentences":[{"text":"Okay.","start":962.72,"end":963.22,"sentiment":"neutral","sentiment_score":0.15629905462265015},{"text":"No.","start":972.22504,"end":972.54504,"sentiment":"neutral","sentiment_score":-0.053952932357788086},{"text":"So far, I reckon it's clear.","start":972.54504,"end":974.625,"sentiment":"neutral","sentiment_score":0.0033539272844791412},{"text":"If I have any questions, I will send you one mail, I think so, or I call you back to the number.","start":974.625,"end":981.79004,"sentiment":"neutral","sentiment_score":0.04398178495466709},{"text":"Okay.","start":1055.045,"end":1055.365,"sentiment":"neutral","sentiment_score":0.1711111068725586}],"sentiment":"neutral","sentiment_score":0.04068322780151521,"num_words":31,"start":962.72,"end":1055.365},{"sentences":[{"text":"Thank you so much.","start":1055.365,"end":1056.585,"sentiment":"positive","sentiment_score":0.5577163398265839},{"text":"Just to confirm, if I send it if I send you the documents forward, it's like, I'm agreeing with the change.","start":1111.535,"end":1118.1951,"sentiment":"neutral","sentiment_score":0.1948402142595677},{"text":"Done.","start":1121.53,"end":1122.03,"sentiment":"positive","sentiment_score":0.3539956510066986},{"text":"Okay.","start":1129.61,"end":1130.11,"sentiment":"neutral","sentiment_score":0.1862855851650238},{"text":"Oh, okay.","start":1133.225,"end":1133.885,"sentiment":"neutral","sentiment_score":0.11336200684309006}],"sentiment":"neutral","sentiment_score":0.24446603822810897,"num_words":29,"start":1055.365,"end":1133.885},{"sentences":[{"text":"Okay.","start":1136.745,"end":1137.065,"sentiment":"neutral","sentiment_score":0.10718249529600143},{"text":"Bye.","start":1137.065,"end":1137.385,"sentiment":"neutral","sentiment_score":0.11765724420547484},{"text":"No worries.","start":1137.385,"end":1138.125,"sentiment":"neutral","sentiment_score":0.0997711420059204},{"text":"Okay.","start":1156.6,"end":1156.84,"sentiment":"positive","sentiment_score":0.35571572184562683},{"text":"Thank you so much, Mary.","start":1156.84,"end":1164.405,"sentiment":"positive","sentiment_score":0.6612035393714905}],"sentiment":"positive","sentiment_score":0.40861154422163964,"num_words":10,"start":1136.745,"end":1164.405},{"sentences":[{"text":"You too.","start":1164.405,"end":1164.765,"sentiment":"positive","sentiment_score":0.41136568784713745},{"text":"Thank you.","start":1164.765,"end":1165.505,"sentiment":"positive","sentiment_score":0.6659482419490814},{"text":"Bye bye.","start":1168.4451,"end":1169.185,"sentiment":"neutral","sentiment_score":0.17107996344566345},{"text":"Bye bye.","start":1169.725,"end":1170.465,"sentiment":"neutral","sentiment_score":0.14833498746156693}],"sentiment":"positive","sentiment_score":0.3491822201758623,"num_words":8,"start":1164.405,"end":1170.465}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Yes.\n\nChannel 0: Hello, Jose again?\n\nChannel 1: Indeed. Jose.\n\nChannel 0: Yeah. Veronica.\n\nChannel 1: Hey, Veronica.\n\nChannel 0: I I had you booked in. It shouldn't take too long today because I know you are very, very busy as well. But just to go through the reset I did on your super investment, do you have a a bit of time for me?\n\nChannel 1: Go ahead. Go ahead. Go ahead. I\n\nChannel 0: Yes.\n\nChannel 1: have one\n\nChannel 0: Okay.\n\nChannel 1: hour and forty minutes.\n\nChannel 0: Oh, perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Yep. Perfect. And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me?\n\nChannel 1: Jose Morisho Holcote. Twenty eight nineteen seventy seventy seven.\n\nChannel 0: Yep. Yep. Beautiful. Now do you have access to your emails at the moment, or are you kind of\n\nChannel 1: I'm\n\nChannel 0: driving\n\nChannel 1: driving.\n\nChannel 0: or a bit busy?\n\nChannel 1: Yes. Why?\n\nChannel 0: Because\n\nChannel 1: Hello?\n\nChannel 0: yeah. So I am I have put together a recommendation for you to make a couple of minor changes to your investment. So\n\nChannel 1: Okay.\n\nChannel 0: what\n\nChannel 1: The one\n\nChannel 0: what\n\nChannel 1: we talked last time.\n\nChannel 0: correct. So\n\nChannel 1: The one\n\nChannel 0: in\n\nChannel 1: who is\n\nChannel 0: order\n\nChannel 1: losing one.\n\nChannel 0: correct. So it is changing that one. So in order to try not make a recommendation for you, I have to put everything in a statement of advice. Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything. So I will\n\nChannel 1: Okay.\n\nChannel 0: email that to you. So if you have a moment to access it while we're on the phone, that would be good. But if you don't, because it is pretty straightforward, I can kind of just talk through the changes. And then later, if you have a bit more time, you can then have a read over it and let me know what you think. It is up to you.\n\nChannel 1: Okay. Let me go to tell me what is about it, and after that, when I get home, I just\n\nChannel 0: Okay.\n\nChannel 1: quickly check\n\nChannel 0: Pass\n\nChannel 1: it in.\n\nChannel 0: perfect. So I have just emailed that to you when you have a moment later. Now might end up in spam folder, so just have a bit of a look through it later. But, essentially, I have put together a recommendation. Like I said, it is very straightforward because we've kind of already touched on it.\n\nIt was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you. So what I have done is I also considered your current superannuation with hub twenty four as part of the research. So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market. So it is good to do research just to make sure it's still their most competitive option for you. Does that make sense?\n\nYes. So after doing research, I have recommended that you stay in hub twenty four. It\n\nChannel 1: Yes.\n\nChannel 0: is still\n\nChannel 1: Are\n\nChannel 0: very\n\nChannel 1: you working\n\nChannel 0: competitive.\n\nChannel 1: for half twenty four?\n\nChannel 0: No. Completely independent. Just for.\n\nChannel 1: Okay. I\n\nChannel 0: Yes.\n\nChannel 1: just\n\nChannel 0: No. No tie at all. And that's why we do that's why we do the research because if\n\nChannel 1: okay.\n\nChannel 0: I found another option for you that was going to be better, then I would have recommended that. There's nothing tying up to have twenty four. You will actually see in the document on the alternative. So I have put one of the alternatives there, but there's a lot of different different funds to look at. One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth.\n\nBut, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options. So\n\nChannel 1: Okay.\n\nChannel 0: yeah. So I have recommended that for now anyway. You stay in hub twenty four and literally just change a couple of investments.\n\nChannel 1: Okay.\n\nChannel 0: So I have kind of formalized everything for you. Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in\n\nChannel 1: Hello?\n\nChannel 0: detail. But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good. So, basically, per year, it will save you around $375, which does make a difference\n\nChannel 1: Okay.\n\nChannel 0: when you add up everything and each year as well. So it's making it a bit cheaper for you, which is great. Now\n\nChannel 1: Okay.\n\nChannel 0: the\n\nChannel 1: That's it.\n\nChannel 0: the biggest thing is also when it comes to the investment return. So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%. Now the recommended now this is all in writing for you in the document later so you can have a have a look through it. But the\n\nChannel 1: Okay.\n\nChannel 0: recommended, it has performed at eleven point zero six. So quite a bit better than your current portfolio, which is great.\n\nChannel 1: Okay.\n\nChannel 0: Now now what I have also included for you is just to kind of forecast everything forward for five and ten years. Now we're not making any changes to your risk tolerance. We are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances. It all stays the same. So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance\n\nChannel 1: K.\n\nChannel 0: your portfolio. And what that basically does is it saves you a bit of fees and improves the return. And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good. Yeah. Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios.\n\nSo your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them. So not just looking at five years. And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good. Does that make sense so far?\n\nChannel 1: Okay. Yes. Yes. Yes.\n\nChannel 0: Yes. Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200. So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification. We don't want everything in The US or everything in Asia or everything in Europe.\n\nChannel 1: Yep.\n\nChannel 0: We wanna make sure we keep things diversified. So we were then okay. Well, if we take away Australia, what can we look at replacing it? Now the\n\nChannel 1: Yeah.\n\nChannel 0: BetaShares Australia two hundred, it is a little bit more simplified investment. And what it is, it basically invests in the 200 largest company listed in Australia. So within one single investment, you will be invested in 200 companies. So, basically, what that means is that as a company might grow and get big, it gets added to the 200. As a smaller company then kinda falls off, it comes out.\n\nSo it will be a little bit smoother because of it. And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established. It will be a bit cheaper, and that's why the fee saving for you than Benelung. Because I don't know\n\nChannel 1: Okay.\n\nChannel 0: if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market. And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive. But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better. It still maintains the diversification for you. And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment. Now that can change on a daily, obviously, with market movement.\n\nBut when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good. So no additional tax to come out, which is it, which is very good. Yeah. Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done. So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio.\n\nBasically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy. So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a\n\nChannel 1: Yeah.\n\nChannel 0: larger portion of your portfolio, whereas then others become smaller. So rebalancing basically means that we are readjusting everything back into their attended levels. So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything. Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it. So I have recommended that as well.\n\nThey're not changing everything. It is\n\nChannel 1: That's\n\nChannel 0: just basically rebalancing. That makes\n\nChannel 1: okay.\n\nChannel 0: sense, Jose?\n\nChannel 1: So what you're saying, like, whatever is not ending in that, we just recheck it either way\n\nChannel 0: Correct.\n\nChannel 1: for investment\n\nChannel 0: Just just changing\n\nChannel 1: or\n\nChannel 0: how much. So still keeping it. But let's say, for example, you have at the moment, the S and P 500 in the portfolio. So that invest in the 200 sorry, the 500 largest companies listed in in America.\n\nChannel 1: yeah.\n\nChannel 0: Now at the moment, because that one has\n\nChannel 1: Yes.\n\nChannel 0: grown, which is great, you have about 25.41% of your super invested in that one option. We just wanna bring it back down to 20%. So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations. So that is basically what rebalancing means, just bringing it all back into alignment. We're still keeping those.\n\nChannel 1: Okay.\n\nChannel 0: Any questions?\n\nChannel 1: Okay. Okay. No pressure,\n\nChannel 0: No.\n\nChannel 1: Veronica.\n\nChannel 0: No. No. Good. Now when you have a look for the document, like I said, this is 32 pages. A lot of that is just through making sure that you fully understand the recommendation.\n\nIt puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it. But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you. Now if you would like to go and research and have a look at that investment in a more detail for you. In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well. So all the transparency and everything is there\n\nChannel 1: Okay.\n\nChannel 0: for you.\n\nChannel 1: Okay. Thank you so much.\n\nChannel 0: No. That's okay. Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile. I have also included some information in regards to setting up a will and a power of attorney. It's just there for you.\n\nIt is something I always recommend everyone to consider. So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well.\n\nChannel 1: Okay.\n\nChannel 0: Now the last thing I do wanna mention is the remuneration. No changes, like I said, in the under review at all. It stays exactly the same. There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation. So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead.\n\nThat is all part of that ongoing service. So no additional fees or charges at all.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Now at this point, do you have any questions for me?\n\nChannel 1: No. So far,\n\nChannel 0: No.\n\nChannel 1: I reckon\n\nChannel 0: Okay.\n\nChannel 1: it's clear. If I have any questions, I will send you one mail, I think so,\n\nChannel 0: Yes. Yes. Please do. So\n\nChannel 1: or I call you back to the number.\n\nChannel 0: correct. Either way. So I have sent you that document. Have a have a read over it when you have a moment. Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you.\n\nYou can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that. You can also see my personal license number, my authorized representative number listed on the cover page. And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else. And that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.\n\nAnd if I don't act in your best interest, then I will lose my license. If I lose my license, my I will lose my job, and my husband at home won't be too happy with me. So there's there's a lot in place to protect you at the end of the day. Okay?\n\nChannel 1: Okay. Thank you so much.\n\nChannel 0: That's okay. Now it is also valid for a little bit. So it is valid for sixty days. So you have a bit of time to obviously have a read over it. Now, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time.\n\nBut when you have a moment, have a read through the document. If you have any questions at all, just call the call the office and ask me or send me an email. That is perfectly fine. Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation. Does that all\n\nChannel 1: Just\n\nChannel 0: make sense?\n\nChannel 1: to confirm, if I send it\n\nChannel 0: Yes.\n\nChannel 1: if I send you the documents forward, it's like, I'm agreeing with the change.\n\nChannel 0: Correct. So if you are happy\n\nChannel 1: Done.\n\nChannel 0: with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy\n\nChannel 1: Okay.\n\nChannel 0: of the signed one. But if you have any questions, you just let\n\nChannel 1: Oh,\n\nChannel 0: me\n\nChannel 1: okay.\n\nChannel 0: know. Yeah.\n\nChannel 1: Okay. Bye. No\n\nChannel 0: Yeah.\n\nChannel 1: worries.\n\nChannel 0: No worries. Well, thank you so much for your time this afternoon, Jose. I will let you get back to it. But like I said, any questions, just give me a call or an email. Otherwise, I'll keep a look at to see if that documents come through as well for you.\n\nChannel 1: Okay. Thank you so much,\n\nChannel 0: No problem at all. We'll speak soon, and you have a lovely rest of your afternoon.\n\nChannel 1: Mary. You too. Thank you.\n\nChannel 0: Thank you. Bye for now.\n\nChannel 1: Bye bye. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Yes.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.13179872930049896}],"sentiment":"neutral","sentiment_score":0.13179872930049896,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hello, Jose again?","start":3.04,"end":4.5,"sentiment":"neutral","sentiment_score":0.12009226530790329}],"sentiment":"neutral","sentiment_score":0.12009226530790329,"channel":0,"num_words":3,"start":3.04,"end":4.5},{"sentences":[{"text":"Indeed.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.2106315791606903},{"text":"Jose.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.14283649623394012}],"sentiment":"neutral","sentiment_score":0.17673403769731522,"channel":1,"num_words":2,"start":6.08,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.14770394563674927},{"text":"Veronica.","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.09480778872966766}],"sentiment":"neutral","sentiment_score":0.12125586718320847,"channel":0,"num_words":2,"start":7.3599997,"end":8.66},{"sentences":[{"text":"Hey, Veronica.","start":10.24,"end":10.98,"sentiment":"neutral","sentiment_score":0.13334862142801285}],"sentiment":"neutral","sentiment_score":0.13334862142801285,"channel":1,"num_words":2,"start":10.24,"end":10.98},{"sentences":[{"text":"I I had you booked in.","start":10.8,"end":14.054999,"sentiment":"neutral","sentiment_score":0.20340274771054587},{"text":"It shouldn't take too long today because I know you are very, very busy as well.","start":14.054999,"end":18.474998,"sentiment":"neutral","sentiment_score":0.09407925652340055},{"text":"But just to go through the reset I did on your super investment, do you have a a bit of time for me?","start":19.095,"end":25.05,"sentiment":"neutral","sentiment_score":0.02155304894499157}],"sentiment":"neutral","sentiment_score":0.07158677147494422,"channel":0,"num_words":45,"start":10.8,"end":25.05},{"sentences":[{"text":"Go ahead.","start":25.835,"end":26.235,"sentiment":"neutral","sentiment_score":0.07734755799174309},{"text":"Go ahead.","start":26.235,"end":26.634998,"sentiment":"neutral","sentiment_score":0.08231258019804955},{"text":"Go ahead.","start":26.634998,"end":27.115,"sentiment":"neutral","sentiment_score":0.08951407298445702},{"text":"I","start":27.115,"end":27.275,"sentiment":"neutral","sentiment_score":0.08736574649810791}],"sentiment":"neutral","sentiment_score":0.08367345269237246,"channel":1,"num_words":7,"start":25.835,"end":27.275},{"sentences":[{"text":"Yes.","start":27.21,"end":27.609999,"sentiment":"neutral","sentiment_score":0.1016560196876526}],"sentiment":"neutral","sentiment_score":0.1016560196876526,"channel":0,"num_words":1,"start":27.21,"end":27.609999},{"sentences":[{"text":"have one","start":27.275,"end":27.675,"sentiment":"neutral","sentiment_score":0.08888190612196922}],"sentiment":"neutral","sentiment_score":0.08888190612196922,"channel":1,"num_words":2,"start":27.275,"end":27.675},{"sentences":[{"text":"Okay.","start":27.609999,"end":28.109999,"sentiment":"neutral","sentiment_score":0.08508677780628204}],"sentiment":"neutral","sentiment_score":0.08508677780628204,"channel":0,"num_words":1,"start":27.609999,"end":28.109999},{"sentences":[{"text":"hour and forty minutes.","start":27.675,"end":28.895,"sentiment":"neutral","sentiment_score":0.10279861092567444}],"sentiment":"neutral","sentiment_score":0.10279861092567444,"channel":1,"num_words":4,"start":27.675,"end":28.895},{"sentences":[{"text":"Oh, perfect.","start":29.289999,"end":30.43,"sentiment":"positive","sentiment_score":0.4373234361410141},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.449999,"end":38.91,"sentiment":"neutral","sentiment_score":0.04883315260040349}],"sentiment":"neutral","sentiment_score":0.07389704186108804,"channel":0,"num_words":31,"start":29.289999,"end":38.91},{"sentences":[{"text":"Okay.","start":39.98,"end":40.38,"sentiment":"neutral","sentiment_score":0.1104574054479599},{"text":"No problem.","start":40.38,"end":41.04,"sentiment":"neutral","sentiment_score":0.20803324878215793}],"sentiment":"neutral","sentiment_score":0.17550796767075857,"channel":1,"num_words":3,"start":39.98,"end":41.04},{"sentences":[{"text":"Yep.","start":41.395,"end":41.795002,"sentiment":"neutral","sentiment_score":0.28231281042099},{"text":"Perfect.","start":41.795002,"end":42.275,"sentiment":"positive","sentiment_score":0.4853496551513672},{"text":"And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me?","start":42.275,"end":55.81,"sentiment":"neutral","sentiment_score":0.10826666211319524}],"sentiment":"neutral","sentiment_score":0.12051397636532783,"channel":0,"num_words":45,"start":41.395,"end":55.81},{"sentences":[{"text":"Jose Morisho Holcote.","start":56.53,"end":57.91,"sentiment":"neutral","sentiment_score":0.025931547085444134},{"text":"Twenty eight nineteen seventy seventy seven.","start":58.61,"end":61.43,"sentiment":"neutral","sentiment_score":0.026042030503352482}],"sentiment":"neutral","sentiment_score":0.02600520269738303,"channel":1,"num_words":9,"start":56.53,"end":61.43},{"sentences":[{"text":"Yep.","start":61.79,"end":62.19,"sentiment":"neutral","sentiment_score":0.0980764776468277},{"text":"Yep.","start":62.19,"end":62.35,"sentiment":"neutral","sentiment_score":0.20997248589992523},{"text":"Beautiful.","start":62.35,"end":62.85,"sentiment":"positive","sentiment_score":0.5103119611740112},{"text":"Now do you have access to your emails at the moment, or are you kind of","start":63.39,"end":67.89,"sentiment":"neutral","sentiment_score":0.04071971867233515}],"sentiment":"neutral","sentiment_score":0.07736191702516455,"channel":0,"num_words":19,"start":61.79,"end":67.89},{"sentences":[{"text":"I'm","start":69.01,"end":69.25,"sentiment":"neutral","sentiment_score":0.014585394412279127}],"sentiment":"neutral","sentiment_score":0.014585394412279127,"channel":1,"num_words":1,"start":69.01,"end":69.25},{"sentences":[{"text":"driving","start":69.085,"end":69.585,"sentiment":"neutral","sentiment_score":0.0284571573138237}],"sentiment":"neutral","sentiment_score":0.0284571573138237,"channel":0,"num_words":1,"start":69.085,"end":69.585},{"sentences":[{"text":"driving.","start":69.25,"end":69.75,"sentiment":"neutral","sentiment_score":0.018196063116192818}],"sentiment":"neutral","sentiment_score":0.018196063116192818,"channel":1,"num_words":1,"start":69.25,"end":69.75},{"sentences":[{"text":"or a bit busy?","start":69.645,"end":70.704994,"sentiment":"neutral","sentiment_score":-0.01018646452575922}],"sentiment":"neutral","sentiment_score":-0.01018646452575922,"channel":0,"num_words":4,"start":69.645,"end":70.704994},{"sentences":[{"text":"Yes.","start":73.045,"end":73.545,"sentiment":"neutral","sentiment_score":0.023811794817447662},{"text":"Why?","start":73.604996,"end":74.104996,"sentiment":"neutral","sentiment_score":0.0006390344351530075}],"sentiment":"neutral","sentiment_score":0.012225414626300335,"channel":1,"num_words":2,"start":73.045,"end":74.104996},{"sentences":[{"text":"Because","start":75.244995,"end":75.744995,"sentiment":"neutral","sentiment_score":0.007609639316797256}],"sentiment":"neutral","sentiment_score":0.007609639316797256,"channel":0,"num_words":1,"start":75.244995,"end":75.744995},{"sentences":[{"text":"Hello?","start":75.284996,"end":75.784996,"sentiment":"neutral","sentiment_score":0.018463801592588425}],"sentiment":"neutral","sentiment_score":0.018463801592588425,"channel":1,"num_words":1,"start":75.284996,"end":75.784996},{"sentences":[{"text":"yeah.","start":76.445,"end":76.845,"sentiment":"neutral","sentiment_score":0.04019909352064133},{"text":"So I am I have put together a recommendation for you to make a couple of minor changes to your investment.","start":76.845,"end":84.064995,"sentiment":"neutral","sentiment_score":0.08012956238928295},{"text":"So","start":84.78001,"end":85.28001,"sentiment":"neutral","sentiment_score":0.04730883985757828}],"sentiment":"neutral","sentiment_score":0.07696646711100703,"channel":0,"num_words":23,"start":76.445,"end":85.28001},{"sentences":[{"text":"Okay.","start":85.31,"end":85.81,"sentiment":"neutral","sentiment_score":0.027285994961857796}],"sentiment":"neutral","sentiment_score":0.027285994961857796,"channel":1,"num_words":1,"start":85.31,"end":85.81},{"sentences":[{"text":"what","start":85.66,"end":86.16,"sentiment":"neutral","sentiment_score":-0.001961655914783478}],"sentiment":"neutral","sentiment_score":-0.001961655914783478,"channel":0,"num_words":1,"start":85.66,"end":86.16},{"sentences":[{"text":"The one","start":85.87,"end":86.27,"sentiment":"neutral","sentiment_score":-0.016307072713971138}],"sentiment":"neutral","sentiment_score":-0.016307072713971138,"channel":1,"num_words":2,"start":85.87,"end":86.27},{"sentences":[{"text":"what","start":86.22,"end":86.72,"sentiment":"neutral","sentiment_score":-0.01689189299941063}],"sentiment":"neutral","sentiment_score":-0.01689189299941063,"channel":0,"num_words":1,"start":86.22,"end":86.72},{"sentences":[{"text":"we talked last time.","start":86.27,"end":87.409996,"sentiment":"neutral","sentiment_score":-0.012121062260121107}],"sentiment":"neutral","sentiment_score":-0.012121062260121107,"channel":1,"num_words":4,"start":86.27,"end":87.409996},{"sentences":[{"text":"correct.","start":87.98,"end":88.48,"sentiment":"neutral","sentiment_score":-0.011722205206751823},{"text":"So","start":89.020004,"end":89.520004,"sentiment":"neutral","sentiment_score":-0.03629303723573685}],"sentiment":"neutral","sentiment_score":-0.024007621221244335,"channel":0,"num_words":2,"start":87.98,"end":89.520004},{"sentences":[{"text":"The one","start":89.55,"end":89.95,"sentiment":"neutral","sentiment_score":-0.058455344289541245}],"sentiment":"neutral","sentiment_score":-0.058455344289541245,"channel":1,"num_words":2,"start":89.55,"end":89.95},{"sentences":[{"text":"in","start":89.9,"end":90.14,"sentiment":"neutral","sentiment_score":-0.039850544184446335}],"sentiment":"neutral","sentiment_score":-0.039850544184446335,"channel":0,"num_words":1,"start":89.9,"end":90.14},{"sentences":[{"text":"who is","start":89.95,"end":90.35,"sentiment":"neutral","sentiment_score":-0.07496606558561325}],"sentiment":"neutral","sentiment_score":-0.07496606558561325,"channel":1,"num_words":2,"start":89.95,"end":90.35},{"sentences":[{"text":"order","start":90.14,"end":90.54,"sentiment":"neutral","sentiment_score":-0.11056622862815856}],"sentiment":"neutral","sentiment_score":-0.11056622862815856,"channel":0,"num_words":1,"start":90.14,"end":90.54},{"sentences":[{"text":"losing one.","start":90.35,"end":91.17,"sentiment":"neutral","sentiment_score":-0.07855010032653809}],"sentiment":"neutral","sentiment_score":-0.07855010032653809,"channel":1,"num_words":2,"start":90.35,"end":91.17},{"sentences":[{"text":"correct.","start":91.740005,"end":92.240005,"sentiment":"neutral","sentiment_score":-0.01765746995806694},{"text":"So it is changing that one.","start":92.46001,"end":94.48,"sentiment":"neutral","sentiment_score":-0.05365840593973795},{"text":"So in order to try not make a recommendation for you, I have to put everything in a statement of advice.","start":96.060005,"end":102.655,"sentiment":"neutral","sentiment_score":-0.06612632725210417},{"text":"Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything.","start":103.115,"end":107.854996,"sentiment":"neutral","sentiment_score":0.016959736744562786},{"text":"So I will","start":108.155,"end":108.975,"sentiment":"neutral","sentiment_score":0.07907899965842564}],"sentiment":"neutral","sentiment_score":-0.02182440975537667,"channel":0,"num_words":52,"start":91.740005,"end":108.975},{"sentences":[{"text":"Okay.","start":108.845,"end":109.345,"sentiment":"neutral","sentiment_score":0.09714061766862868}],"sentiment":"neutral","sentiment_score":0.09714061766862868,"channel":1,"num_words":1,"start":108.845,"end":109.345},{"sentences":[{"text":"email that to you.","start":109.115,"end":110.28001,"sentiment":"neutral","sentiment_score":0.1172089297324419},{"text":"So if you have a moment to access it while we're on the phone, that would be good.","start":110.28001,"end":114.520004,"sentiment":"neutral","sentiment_score":0.24617303742302787},{"text":"But if you don't, because it is pretty straightforward, I can kind of just talk through the changes.","start":114.520004,"end":119.96001,"sentiment":"neutral","sentiment_score":0.17104621645477083},{"text":"And then later, if you have a bit more time, you can then have a read over it and let me know what you think.","start":119.96001,"end":126.225,"sentiment":"neutral","sentiment_score":0.15753843992948532},{"text":"It is up to you.","start":126.225,"end":127.445,"sentiment":"neutral","sentiment_score":0.1443037509918213}],"sentiment":"neutral","sentiment_score":0.1805537434560912,"channel":0,"num_words":70,"start":109.115,"end":127.445},{"sentences":[{"text":"Okay.","start":127.785,"end":128.10501,"sentiment":"neutral","sentiment_score":0.017524976283311844},{"text":"Let me go to tell me what is about it, and after that, when I get home, I just","start":128.10501,"end":131.80501,"sentiment":"neutral","sentiment_score":0.04652670966951471}],"sentiment":"neutral","sentiment_score":0.04507662300020456,"channel":1,"num_words":20,"start":127.785,"end":131.80501},{"sentences":[{"text":"Okay.","start":132.305,"end":132.805,"sentiment":"neutral","sentiment_score":0.030578751116991043}],"sentiment":"neutral","sentiment_score":0.030578751116991043,"channel":0,"num_words":1,"start":132.305,"end":132.805},{"sentences":[{"text":"quickly check","start":132.345,"end":133.065,"sentiment":"neutral","sentiment_score":0.03975558280944824}],"sentiment":"neutral","sentiment_score":0.03975558280944824,"channel":1,"num_words":2,"start":132.345,"end":133.065},{"sentences":[{"text":"Pass","start":132.945,"end":133.445,"sentiment":"neutral","sentiment_score":0.11032971739768982}],"sentiment":"neutral","sentiment_score":0.11032971739768982,"channel":0,"num_words":1,"start":132.945,"end":133.445},{"sentences":[{"text":"it in.","start":133.065,"end":133.725,"sentiment":"neutral","sentiment_score":0.13175170868635178}],"sentiment":"neutral","sentiment_score":0.13175170868635178,"channel":1,"num_words":2,"start":133.065,"end":133.725},{"sentences":[{"text":"perfect.","start":134.385,"end":134.885,"sentiment":"positive","sentiment_score":0.6614029407501221},{"text":"So I have just emailed that to you when you have a moment later.","start":135.025,"end":138.72,"sentiment":"neutral","sentiment_score":0.27595082564013346},{"text":"Now might end up in spam folder, so just have a bit of a look through it later.","start":140.54001,"end":145.74,"sentiment":"neutral","sentiment_score":-0.11579275938371818},{"text":"But, essentially, I have put together a recommendation.","start":145.74,"end":148.40001,"sentiment":"neutral","sentiment_score":0.18351815035566688},{"text":"Like I said, it is very straightforward because we've kind of already touched on it.","start":148.94,"end":152.265,"sentiment":"positive","sentiment_score":0.4215696732203166}],"sentiment":"neutral","sentiment_score":0.18271669878491334,"channel":0,"num_words":56,"start":134.385,"end":152.265},{"sentences":[{"text":"It was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you.","start":152.505,"end":159.565,"sentiment":"neutral","sentiment_score":0.27613684303801633},{"text":"So what I have done is I also considered your current superannuation with hub twenty four as part of the research.","start":160.025,"end":168.3,"sentiment":"neutral","sentiment_score":0.22682415587561472},{"text":"So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market.","start":168.44,"end":177.42,"sentiment":"neutral","sentiment_score":0.23840851601093047},{"text":"So it is good to do research just to make sure it's still their most competitive option for you.","start":177.795,"end":183.875,"sentiment":"neutral","sentiment_score":0.25530723600011124},{"text":"Does that make sense?","start":183.875,"end":184.935,"sentiment":"neutral","sentiment_score":0.1790124736726284}],"sentiment":"neutral","sentiment_score":0.24739256823578706,"channel":0,"num_words":104,"start":152.505,"end":184.935},{"sentences":[{"text":"Yes.","start":186.59499,"end":187.09499,"sentiment":"neutral","sentiment_score":0.13461190462112427},{"text":"So after doing research, I have recommended that you stay in hub twenty four.","start":187.23499,"end":192.12,"sentiment":"neutral","sentiment_score":0.14639405586889812},{"text":"It","start":192.28,"end":192.59999,"sentiment":"neutral","sentiment_score":0.08576759696006775}],"sentiment":"neutral","sentiment_score":0.14186851773411036,"channel":0,"num_words":16,"start":186.59499,"end":192.59999},{"sentences":[{"text":"Yes.","start":192.32999,"end":192.82999,"sentiment":"neutral","sentiment_score":0.0906737893819809}],"sentiment":"neutral","sentiment_score":0.0906737893819809,"channel":1,"num_words":1,"start":192.32999,"end":192.82999},{"sentences":[{"text":"is still","start":192.59999,"end":193.15999,"sentiment":"neutral","sentiment_score":0.03791866637766361}],"sentiment":"neutral","sentiment_score":0.03791866637766361,"channel":0,"num_words":2,"start":192.59999,"end":193.15999},{"sentences":[{"text":"Are","start":193.04999,"end":193.29,"sentiment":"neutral","sentiment_score":0.03160831332206726}],"sentiment":"neutral","sentiment_score":0.03160831332206726,"channel":1,"num_words":1,"start":193.04999,"end":193.29},{"sentences":[{"text":"very","start":193.15999,"end":193.65999,"sentiment":"neutral","sentiment_score":0.04437466710805893}],"sentiment":"neutral","sentiment_score":0.04437466710805893,"channel":0,"num_words":1,"start":193.15999,"end":193.65999},{"sentences":[{"text":"you working","start":193.29,"end":193.76999,"sentiment":"neutral","sentiment_score":0.04209819622337818}],"sentiment":"neutral","sentiment_score":0.04209819622337818,"channel":1,"num_words":2,"start":193.29,"end":193.76999},{"sentences":[{"text":"competitive.","start":193.72,"end":194.22,"sentiment":"neutral","sentiment_score":0.011958790943026544}],"sentiment":"neutral","sentiment_score":0.011958790943026544,"channel":0,"num_words":1,"start":193.72,"end":194.22},{"sentences":[{"text":"for half twenty four?","start":193.76999,"end":195.23,"sentiment":"neutral","sentiment_score":0.00336091173812747}],"sentiment":"neutral","sentiment_score":0.00336091173812747,"channel":1,"num_words":4,"start":193.76999,"end":195.23},{"sentences":[{"text":"No.","start":195.48,"end":195.98,"sentiment":"neutral","sentiment_score":-0.07527557015419006},{"text":"Completely independent.","start":196.12,"end":197.09999,"sentiment":"neutral","sentiment_score":-0.04781057499349117},{"text":"Just for.","start":197.23999,"end":197.98,"sentiment":"neutral","sentiment_score":-0.04052350763231516}],"sentiment":"neutral","sentiment_score":-0.05038874708116055,"channel":0,"num_words":5,"start":195.48,"end":197.98},{"sentences":[{"text":"Okay.","start":199.29,"end":199.79,"sentiment":"neutral","sentiment_score":0.03444143384695053},{"text":"I","start":200.09,"end":200.25,"sentiment":"neutral","sentiment_score":0.03232601284980774}],"sentiment":"neutral","sentiment_score":0.033383723348379135,"channel":1,"num_words":2,"start":199.29,"end":200.25},{"sentences":[{"text":"Yes.","start":200.12,"end":200.62,"sentiment":"neutral","sentiment_score":0.060821227729320526}],"sentiment":"neutral","sentiment_score":0.060821227729320526,"channel":0,"num_words":1,"start":200.12,"end":200.62},{"sentences":[{"text":"just","start":200.25,"end":200.625,"sentiment":"neutral","sentiment_score":0.008083250373601913}],"sentiment":"neutral","sentiment_score":0.008083250373601913,"channel":1,"num_words":1,"start":200.25,"end":200.625},{"sentences":[{"text":"No.","start":201.95999,"end":202.44,"sentiment":"neutral","sentiment_score":-0.06529255211353302},{"text":"No tie at all.","start":202.44,"end":203.79999,"sentiment":"neutral","sentiment_score":-0.09305671975016594},{"text":"And that's why we do that's why we do the research because if","start":203.79999,"end":208.065,"sentiment":"neutral","sentiment_score":0.03781951333467777}],"sentiment":"neutral","sentiment_score":0.003007457902034124,"channel":0,"num_words":18,"start":201.95999,"end":208.065},{"sentences":[{"text":"okay.","start":208.0875,"end":208.5875,"sentiment":"neutral","sentiment_score":0.07736201584339142}],"sentiment":"neutral","sentiment_score":0.07736201584339142,"channel":1,"num_words":1,"start":208.0875,"end":208.5875},{"sentences":[{"text":"I found another option for you that was going to be better, then I would have recommended that.","start":208.145,"end":214.16501,"sentiment":"neutral","sentiment_score":0.1274356001781093},{"text":"There's nothing tying up to have twenty four.","start":214.465,"end":217.02501,"sentiment":"neutral","sentiment_score":-0.045208800431282725},{"text":"You will actually see in the document on the alternative.","start":217.02501,"end":224.12999,"sentiment":"neutral","sentiment_score":0.01774467285722494},{"text":"So I have put one of the alternatives there, but there's a lot of different different funds to look at.","start":224.26999,"end":229.09,"sentiment":"neutral","sentiment_score":0.01371420118957758},{"text":"One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth.","start":229.87,"end":239.815,"sentiment":"neutral","sentiment_score":0.06865597600963982}],"sentiment":"neutral","sentiment_score":0.04992734133758439,"channel":0,"num_words":78,"start":208.145,"end":239.815},{"sentences":[{"text":"But, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options.","start":240.275,"end":252.93,"sentiment":"neutral","sentiment_score":-0.04147525690495968},{"text":"So","start":253.87,"end":254.37,"sentiment":"neutral","sentiment_score":0.1088353917002678}],"sentiment":"neutral","sentiment_score":-0.03662652630479105,"channel":0,"num_words":31,"start":240.275,"end":254.37},{"sentences":[{"text":"Okay.","start":254.14,"end":254.64,"sentiment":"neutral","sentiment_score":0.1621406078338623}],"sentiment":"neutral","sentiment_score":0.1621406078338623,"channel":1,"num_words":1,"start":254.14,"end":254.64},{"sentences":[{"text":"yeah.","start":254.98999,"end":255.31,"sentiment":"neutral","sentiment_score":0.18918606638908383},{"text":"So I have recommended that for now anyway.","start":255.31,"end":257.38998,"sentiment":"neutral","sentiment_score":0.3109751418232918},{"text":"You stay in hub twenty four and literally just change a couple of investments.","start":257.38998,"end":261.88998,"sentiment":"neutral","sentiment_score":0.2505552837891238}],"sentiment":"neutral","sentiment_score":0.268902659740137,"channel":0,"num_words":23,"start":254.98999,"end":261.88998},{"sentences":[{"text":"Okay.","start":263.025,"end":263.525,"sentiment":"neutral","sentiment_score":0.12798380851745603}],"sentiment":"neutral","sentiment_score":0.12798380851745603,"channel":1,"num_words":1,"start":263.025,"end":263.525},{"sentences":[{"text":"So I have kind of formalized everything for you.","start":263.165,"end":266.865,"sentiment":"neutral","sentiment_score":0.12944725735319984},{"text":"Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in","start":266.925,"end":277.965,"sentiment":"neutral","sentiment_score":0.12736694810205493}],"sentiment":"neutral","sentiment_score":0.1278596529246945,"channel":0,"num_words":38,"start":263.165,"end":277.965},{"sentences":[{"text":"Hello?","start":277.93,"end":278.43,"sentiment":"neutral","sentiment_score":0.03618854656815529}],"sentiment":"neutral","sentiment_score":0.03618854656815529,"channel":1,"num_words":1,"start":277.93,"end":278.43},{"sentences":[{"text":"detail.","start":277.965,"end":278.465,"sentiment":"neutral","sentiment_score":0.06156604364514351},{"text":"But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good.","start":280.65002,"end":298.505,"sentiment":"positive","sentiment_score":0.46832762019974844},{"text":"So, basically, per year, it will save you around $375, which does make a difference","start":298.505,"end":306.41,"sentiment":"positive","sentiment_score":0.6250650644302368}],"sentiment":"positive","sentiment_score":0.5125162585384466,"channel":0,"num_words":44,"start":277.965,"end":306.41},{"sentences":[{"text":"Okay.","start":305.94,"end":306.44,"sentiment":"positive","sentiment_score":0.4289636909961701}],"sentiment":"positive","sentiment_score":0.4289636909961701,"channel":1,"num_words":1,"start":305.94,"end":306.44},{"sentences":[{"text":"when you add up everything and each year as well.","start":306.95,"end":309.83002,"sentiment":"positive","sentiment_score":0.43046574890613554},{"text":"So it's making it a bit cheaper for you, which is great.","start":309.83002,"end":312.65002,"sentiment":"positive","sentiment_score":0.6957435061534246},{"text":"Now","start":314.23,"end":314.73,"sentiment":"neutral","sentiment_score":0.2349330484867096}],"sentiment":"positive","sentiment_score":0.5603701135386592,"channel":0,"num_words":23,"start":306.95,"end":314.73},{"sentences":[{"text":"Okay.","start":314.42,"end":314.9,"sentiment":"neutral","sentiment_score":0.21456027030944824}],"sentiment":"neutral","sentiment_score":0.21456027030944824,"channel":1,"num_words":1,"start":314.42,"end":314.9},{"sentences":[{"text":"the","start":314.87,"end":315.37,"sentiment":"neutral","sentiment_score":0.16196516156196594}],"sentiment":"neutral","sentiment_score":0.16196516156196594,"channel":0,"num_words":1,"start":314.87,"end":315.37},{"sentences":[{"text":"That's it.","start":314.9,"end":315.72,"sentiment":"neutral","sentiment_score":0.14172722026705742}],"sentiment":"neutral","sentiment_score":0.14172722026705742,"channel":1,"num_words":2,"start":314.9,"end":315.72},{"sentences":[{"text":"the biggest thing is also when it comes to the investment return.","start":315.51,"end":319.45,"sentiment":"neutral","sentiment_score":0.1704106591641903},{"text":"So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%.","start":320.165,"end":343.51,"sentiment":"neutral","sentiment_score":0.13572894657651582},{"text":"Now the recommended now this is all in writing for you in the document later so you can have a have a look through it.","start":344.61002,"end":351.685,"sentiment":"neutral","sentiment_score":0.190415318608284},{"text":"But the","start":352.385,"end":353.025,"sentiment":"neutral","sentiment_score":0.21367453038692477}],"sentiment":"neutral","sentiment_score":0.15881503014160053,"channel":0,"num_words":84,"start":315.51,"end":353.025},{"sentences":[{"text":"Okay.","start":352.95502,"end":353.45502,"sentiment":"neutral","sentiment_score":0.2718484699726105}],"sentiment":"neutral","sentiment_score":0.2718484699726105,"channel":1,"num_words":1,"start":352.95502,"end":353.45502},{"sentences":[{"text":"recommended, it has performed at eleven point zero six.","start":353.025,"end":358.405,"sentiment":"positive","sentiment_score":0.46009376645088196},{"text":"So quite a bit better than your current portfolio, which is great.","start":359.34,"end":363.68,"sentiment":"positive","sentiment_score":0.6545269936323166}],"sentiment":"positive","sentiment_score":0.571198467697416,"channel":0,"num_words":21,"start":353.025,"end":363.68},{"sentences":[{"text":"Okay.","start":365.81,"end":366.31,"sentiment":"neutral","sentiment_score":0.2696583867073059}],"sentiment":"neutral","sentiment_score":0.2696583867073059,"channel":1,"num_words":1,"start":365.81,"end":366.31},{"sentences":[{"text":"Now now what I have also included for you is just to kind of forecast everything forward for five and ten years.","start":365.98,"end":375.32498,"sentiment":"neutral","sentiment_score":0.18990132551301608},{"text":"Now we're not making any changes to your risk tolerance.","start":375.705,"end":380.525,"sentiment":"neutral","sentiment_score":0.05021621286869049},{"text":"We are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances.","start":380.585,"end":387.59,"sentiment":"neutral","sentiment_score":0.14541576934211395},{"text":"It all stays the same.","start":388.53,"end":389.81,"sentiment":"neutral","sentiment_score":0.2431179702281952},{"text":"So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance","start":389.81,"end":399.18997,"sentiment":"neutral","sentiment_score":0.24492505322331967}],"sentiment":"neutral","sentiment_score":0.18183020057229252,"channel":0,"num_words":77,"start":365.98,"end":399.18997},{"sentences":[{"text":"K.","start":399.00998,"end":399.50998,"sentiment":"neutral","sentiment_score":0.20228281617164612}],"sentiment":"neutral","sentiment_score":0.20228281617164612,"channel":1,"num_words":1,"start":399.00998,"end":399.50998},{"sentences":[{"text":"your portfolio.","start":399.40997,"end":400.38998,"sentiment":"neutral","sentiment_score":0.2866557091474533},{"text":"And what that basically does is it saves you a bit of fees and improves the return.","start":401.07498,"end":405.975,"sentiment":"positive","sentiment_score":0.5157539458835826},{"text":"And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good.","start":406.675,"end":420.05,"sentiment":"positive","sentiment_score":0.5309883229660265},{"text":"Yeah.","start":423.22998,"end":423.72998,"sentiment":"neutral","sentiment_score":0.2389535903930664},{"text":"Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios.","start":423.94998,"end":431.00998,"sentiment":"neutral","sentiment_score":0.18240898960958357}],"sentiment":"positive","sentiment_score":0.41181715141589703,"channel":0,"num_words":76,"start":399.40997,"end":431.00998},{"sentences":[{"text":"So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them.","start":431.80502,"end":445.005,"sentiment":"neutral","sentiment_score":0.09224852131945746},{"text":"So not just looking at five years.","start":445.005,"end":446.94,"sentiment":"neutral","sentiment_score":0.17698851227760315},{"text":"And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good.","start":446.94,"end":458.56,"sentiment":"positive","sentiment_score":0.5419919711928214},{"text":"Does that make sense so far?","start":461.51498,"end":462.97498,"sentiment":"positive","sentiment_score":0.4199323703845342}],"sentiment":"neutral","sentiment_score":0.3011261159672013,"channel":0,"num_words":79,"start":431.80502,"end":462.97498},{"sentences":[{"text":"Okay.","start":464.05502,"end":464.55502,"sentiment":"neutral","sentiment_score":0.1674289107322693},{"text":"Yes.","start":464.61502,"end":465.015,"sentiment":"neutral","sentiment_score":0.1928774267435074},{"text":"Yes.","start":465.015,"end":465.17502,"sentiment":"neutral","sentiment_score":0.1862461268901825},{"text":"Yes.","start":465.17502,"end":465.67502,"sentiment":"neutral","sentiment_score":0.1855810284614563}],"sentiment":"neutral","sentiment_score":0.18303337320685387,"channel":1,"num_words":4,"start":464.05502,"end":465.67502},{"sentences":[{"text":"Yes.","start":465.51498,"end":466.01498,"sentiment":"neutral","sentiment_score":0.17713774740695953},{"text":"Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200.","start":466.395,"end":480.57,"sentiment":"neutral","sentiment_score":0.12235927915778654},{"text":"So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification.","start":481.51,"end":497.075,"sentiment":"neutral","sentiment_score":0.10847295524600224},{"text":"We don't want everything in The US or everything in Asia or everything in Europe.","start":497.615,"end":502.68002,"sentiment":"neutral","sentiment_score":-0.07913813839356104}],"sentiment":"neutral","sentiment_score":0.08058250025801715,"channel":0,"num_words":84,"start":465.51498,"end":502.68002},{"sentences":[{"text":"Yep.","start":502.53,"end":503.03,"sentiment":"neutral","sentiment_score":0.11209847778081894}],"sentiment":"neutral","sentiment_score":0.11209847778081894,"channel":1,"num_words":1,"start":502.53,"end":503.03},{"sentences":[{"text":"We wanna make sure we keep things diversified.","start":502.68002,"end":504.86002,"sentiment":"neutral","sentiment_score":0.24238751828670502},{"text":"So we were then okay.","start":505.16,"end":506.12,"sentiment":"neutral","sentiment_score":0.06374795511364936},{"text":"Well, if we take away Australia, what can we look at replacing it?","start":506.12,"end":510.94,"sentiment":"neutral","sentiment_score":-0.08001226229736438},{"text":"Now the","start":511.88,"end":513.10004,"sentiment":"neutral","sentiment_score":0.013962086290121078}],"sentiment":"neutral","sentiment_score":0.044485881592014005,"channel":0,"num_words":28,"start":502.68002,"end":513.10004},{"sentences":[{"text":"Yeah.","start":513.405,"end":513.905,"sentiment":"neutral","sentiment_score":0.08885027468204498}],"sentiment":"neutral","sentiment_score":0.08885027468204498,"channel":1,"num_words":1,"start":513.405,"end":513.905},{"sentences":[{"text":"BetaShares Australia two hundred, it is a little bit more simplified investment.","start":513.745,"end":518.32495,"sentiment":"neutral","sentiment_score":0.12418354240556558},{"text":"And what it is, it basically invests in the 200 largest company listed in Australia.","start":519.105,"end":528.08997,"sentiment":"neutral","sentiment_score":0.160316268603007},{"text":"So within one single investment, you will be invested in 200 companies.","start":528.31,"end":534.01,"sentiment":"neutral","sentiment_score":0.21268302202224731},{"text":"So, basically, what that means is that as a company might grow and get big, it gets added to the 200.","start":535.27,"end":542.615,"sentiment":"neutral","sentiment_score":0.23716581293514796},{"text":"As a smaller company then kinda falls off, it comes out.","start":542.995,"end":546.435,"sentiment":"neutral","sentiment_score":0.14481355825608427}],"sentiment":"neutral","sentiment_score":0.18338836640329428,"channel":0,"num_words":71,"start":513.745,"end":546.435},{"sentences":[{"text":"So it will be a little bit smoother because of it.","start":546.435,"end":549.655,"sentiment":"positive","sentiment_score":0.4103396805849942},{"text":"And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established.","start":550.195,"end":560.51,"sentiment":"positive","sentiment_score":0.4314526269833247},{"text":"It will be a bit cheaper, and that's why the fee saving for you than Benelung.","start":562.97,"end":568.51,"sentiment":"positive","sentiment_score":0.517183493822813},{"text":"Because I don't know","start":569.05,"end":569.93,"sentiment":"neutral","sentiment_score":-0.01992370281368494}],"sentiment":"positive","sentiment_score":0.42053371124335975,"channel":0,"num_words":61,"start":546.435,"end":569.93},{"sentences":[{"text":"Okay.","start":569.78503,"end":570.28503,"sentiment":"neutral","sentiment_score":-0.047791533172130585}],"sentiment":"neutral","sentiment_score":-0.047791533172130585,"channel":1,"num_words":1,"start":569.78503,"end":570.28503},{"sentences":[{"text":"if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market.","start":569.93,"end":581.035,"sentiment":"neutral","sentiment_score":0.038204209371046585},{"text":"And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive.","start":581.735,"end":587.915,"sentiment":"neutral","sentiment_score":-0.11442839145660401},{"text":"But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result.","start":588.75,"end":599.09,"sentiment":"neutral","sentiment_score":-0.07706429761263632},{"text":"Does that make sense?","start":599.15,"end":600.21,"sentiment":"neutral","sentiment_score":0.09092546068131924}],"sentiment":"neutral","sentiment_score":-0.03898131462835496,"channel":0,"num_words":93,"start":569.93,"end":600.21},{"sentences":[{"text":"Yes.","start":602.09503,"end":602.59503,"sentiment":"neutral","sentiment_score":0.1920505464076996}],"sentiment":"neutral","sentiment_score":0.1920505464076996,"channel":1,"num_words":1,"start":602.09503,"end":602.59503},{"sentences":[{"text":"Yes.","start":602.845,"end":603.345,"sentiment":"neutral","sentiment_score":0.2894936501979828},{"text":"So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better.","start":603.485,"end":611.50494,"sentiment":"positive","sentiment_score":0.4818352366035635},{"text":"It still maintains the diversification for you.","start":611.96497,"end":615.665,"sentiment":"positive","sentiment_score":0.6595993382590157},{"text":"And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment.","start":616.16003,"end":632.455,"sentiment":"positive","sentiment_score":0.40493979305028915},{"text":"Now that can change on a daily, obviously, with market movement.","start":633.155,"end":637.575,"sentiment":"neutral","sentiment_score":0.30428953062404285}],"sentiment":"positive","sentiment_score":0.43344254678563227,"channel":0,"num_words":79,"start":602.845,"end":637.575},{"sentences":[{"text":"But when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good.","start":638.115,"end":645.56,"sentiment":"positive","sentiment_score":0.48292315751314163},{"text":"So no additional tax to come out, which is it, which is very good.","start":645.86005,"end":649.80005,"sentiment":"positive","sentiment_score":0.4969682012285505},{"text":"Yeah.","start":653.22003,"end":653.72003,"sentiment":"neutral","sentiment_score":0.16830290853977203},{"text":"Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done.","start":654.5,"end":663.685,"sentiment":"neutral","sentiment_score":0.06663240383689602},{"text":"So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio.","start":663.685,"end":672.425,"sentiment":"neutral","sentiment_score":0.07564183572928111}],"sentiment":"neutral","sentiment_score":0.2676141264354005,"channel":0,"num_words":81,"start":638.115,"end":672.425},{"sentences":[{"text":"Basically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy.","start":673.23,"end":689.90497,"sentiment":"neutral","sentiment_score":0.14075841961635482},{"text":"So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a","start":690.445,"end":699.485,"sentiment":"neutral","sentiment_score":0.06256547231565822}],"sentiment":"neutral","sentiment_score":0.10565138205277677,"channel":0,"num_words":49,"start":673.23,"end":699.485},{"sentences":[{"text":"Yeah.","start":699.33997,"end":699.83997,"sentiment":"neutral","sentiment_score":0.025654973462224007}],"sentiment":"neutral","sentiment_score":0.025654973462224007,"channel":1,"num_words":1,"start":699.33997,"end":699.83997},{"sentences":[{"text":"larger portion of your portfolio, whereas then others become smaller.","start":699.485,"end":704.34,"sentiment":"neutral","sentiment_score":0.002270675264298916},{"text":"So rebalancing basically means that we are readjusting everything back into their attended levels.","start":704.56,"end":713.54004,"sentiment":"neutral","sentiment_score":0.10352899613124984},{"text":"So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything.","start":713.79504,"end":724.375,"sentiment":"neutral","sentiment_score":0.24863162964937233},{"text":"Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it.","start":725.075,"end":732.86,"sentiment":"neutral","sentiment_score":-0.00022726416587829534},{"text":"So I have recommended that as well.","start":733.64,"end":735.66,"sentiment":"neutral","sentiment_score":0.2978562925543104}],"sentiment":"neutral","sentiment_score":0.11393103071234444,"channel":0,"num_words":77,"start":699.485,"end":735.66},{"sentences":[{"text":"They're not changing everything.","start":736.68,"end":737.96,"sentiment":"neutral","sentiment_score":-0.031094596721231937},{"text":"It is","start":737.96,"end":738.28,"sentiment":"neutral","sentiment_score":-0.01606244407594204}],"sentiment":"neutral","sentiment_score":-0.02608387917280197,"channel":0,"num_words":6,"start":736.68,"end":738.28},{"sentences":[{"text":"That's","start":738.24,"end":738.74,"sentiment":"neutral","sentiment_score":0.03968300297856331}],"sentiment":"neutral","sentiment_score":0.03968300297856331,"channel":1,"num_words":1,"start":738.24,"end":738.74},{"sentences":[{"text":"just basically rebalancing.","start":738.28,"end":739.58,"sentiment":"neutral","sentiment_score":0.08130973825852077},{"text":"That makes","start":741.015,"end":742.85504,"sentiment":"neutral","sentiment_score":0.23345523327589035}],"sentiment":"neutral","sentiment_score":0.1421679362654686,"channel":0,"num_words":5,"start":738.28,"end":742.85504},{"sentences":[{"text":"okay.","start":742.575,"end":743.075,"sentiment":"neutral","sentiment_score":0.17919079959392548}],"sentiment":"neutral","sentiment_score":0.17919079959392548,"channel":1,"num_words":1,"start":742.575,"end":743.075},{"sentences":[{"text":"sense, Jose?","start":742.85504,"end":743.835,"sentiment":"neutral","sentiment_score":0.10184945166110992}],"sentiment":"neutral","sentiment_score":0.10184945166110992,"channel":0,"num_words":2,"start":742.85504,"end":743.835},{"sentences":[{"text":"So what you're saying, like, whatever is not ending in that, we just recheck it either way","start":745.615,"end":752.895,"sentiment":"neutral","sentiment_score":-0.0038665091509328168}],"sentiment":"neutral","sentiment_score":-0.0038665091509328168,"channel":1,"num_words":17,"start":745.615,"end":752.895},{"sentences":[{"text":"Correct.","start":752.695,"end":753.09503,"sentiment":"neutral","sentiment_score":0.023551058024168015}],"sentiment":"neutral","sentiment_score":0.023551058024168015,"channel":0,"num_words":1,"start":752.695,"end":753.09503},{"sentences":[{"text":"for investment","start":752.895,"end":753.555,"sentiment":"neutral","sentiment_score":-0.007769295014441013}],"sentiment":"neutral","sentiment_score":-0.007769295014441013,"channel":1,"num_words":2,"start":752.895,"end":753.555},{"sentences":[{"text":"Just just changing","start":753.09503,"end":754.055,"sentiment":"neutral","sentiment_score":0.002411310871442159}],"sentiment":"neutral","sentiment_score":0.002411310871442159,"channel":0,"num_words":3,"start":753.09503,"end":754.055},{"sentences":[{"text":"or","start":753.615,"end":754.115,"sentiment":"neutral","sentiment_score":0.001692827790975571}],"sentiment":"neutral","sentiment_score":0.001692827790975571,"channel":1,"num_words":1,"start":753.615,"end":754.115},{"sentences":[{"text":"how much.","start":754.055,"end":754.615,"sentiment":"neutral","sentiment_score":-0.017319650389254093},{"text":"So still keeping it.","start":754.615,"end":756.06,"sentiment":"neutral","sentiment_score":0.03719631768763065},{"text":"But let's say, for example, you have at the moment, the S and P 500 in the portfolio.","start":756.14,"end":763.68,"sentiment":"neutral","sentiment_score":0.03849032831688722},{"text":"So that invest in the 200 sorry, the 500 largest companies listed in in America.","start":764.22,"end":769.2,"sentiment":"neutral","sentiment_score":0.03273620729645093}],"sentiment":"neutral","sentiment_score":0.03328243561853201,"channel":0,"num_words":39,"start":754.055,"end":769.2},{"sentences":[{"text":"yeah.","start":769.03,"end":769.53,"sentiment":"neutral","sentiment_score":0.0330127589404583}],"sentiment":"neutral","sentiment_score":0.0330127589404583,"channel":1,"num_words":1,"start":769.03,"end":769.53},{"sentences":[{"text":"Now at the moment, because that one has","start":769.775,"end":771.695,"sentiment":"neutral","sentiment_score":0.06284894095733762}],"sentiment":"neutral","sentiment_score":0.06284894095733762,"channel":0,"num_words":8,"start":769.775,"end":771.695},{"sentences":[{"text":"Yes.","start":771.54504,"end":772.04504,"sentiment":"neutral","sentiment_score":0.19237631559371948}],"sentiment":"neutral","sentiment_score":0.19237631559371948,"channel":1,"num_words":1,"start":771.54504,"end":772.04504},{"sentences":[{"text":"grown, which is great, you have about 25.41% of your super invested in that one option.","start":771.695,"end":780.03503,"sentiment":"positive","sentiment_score":0.4023933010175824},{"text":"We just wanna bring it back down to 20%.","start":780.735,"end":783.98,"sentiment":"neutral","sentiment_score":0.2656734304295646},{"text":"So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations.","start":784.12,"end":792.38,"sentiment":"neutral","sentiment_score":0.26665098369121554},{"text":"So that is basically what rebalancing means, just bringing it all back into alignment.","start":792.92,"end":797.74,"sentiment":"neutral","sentiment_score":0.29725546496255056},{"text":"We're still keeping those.","start":799.235,"end":800.455,"sentiment":"neutral","sentiment_score":0.24838237464427948}],"sentiment":"neutral","sentiment_score":0.3066266566988022,"channel":0,"num_words":63,"start":771.695,"end":800.455},{"sentences":[{"text":"Okay.","start":805.255,"end":805.755,"sentiment":"neutral","sentiment_score":0.06345456838607788}],"sentiment":"neutral","sentiment_score":0.06345456838607788,"channel":1,"num_words":1,"start":805.255,"end":805.755},{"sentences":[{"text":"Any questions?","start":805.555,"end":806.455,"sentiment":"neutral","sentiment_score":0.03871459886431694}],"sentiment":"neutral","sentiment_score":0.03871459886431694,"channel":0,"num_words":2,"start":805.555,"end":806.455},{"sentences":[{"text":"Okay.","start":807.015,"end":807.515,"sentiment":"neutral","sentiment_score":0.04638058692216873},{"text":"Okay.","start":808.775,"end":808.935,"sentiment":"neutral","sentiment_score":0.04060531035065651},{"text":"No pressure,","start":808.935,"end":809.755,"sentiment":"neutral","sentiment_score":0.01449609361588955}],"sentiment":"neutral","sentiment_score":0.028994521126151085,"channel":1,"num_words":4,"start":807.015,"end":809.755},{"sentences":[{"text":"No.","start":809.795,"end":810.295,"sentiment":"neutral","sentiment_score":-0.023745227605104446}],"sentiment":"neutral","sentiment_score":-0.023745227605104446,"channel":0,"num_words":1,"start":809.795,"end":810.295},{"sentences":[{"text":"Veronica.","start":809.895,"end":810.395,"sentiment":"neutral","sentiment_score":-0.010112922638654709}],"sentiment":"neutral","sentiment_score":-0.010112922638654709,"channel":1,"num_words":1,"start":809.895,"end":810.395},{"sentences":[{"text":"No.","start":810.435,"end":810.935,"sentiment":"neutral","sentiment_score":-0.05606315657496452},{"text":"No.","start":811.15497,"end":811.65497,"sentiment":"neutral","sentiment_score":-0.03151129186153412},{"text":"Good.","start":811.715,"end":812.215,"sentiment":"neutral","sentiment_score":0.14633148908615112},{"text":"Now when you have a look for the document, like I said, this is 32 pages.","start":813.49,"end":819.99,"sentiment":"neutral","sentiment_score":0.09090758068487048},{"text":"A lot of that is just through making sure that you fully understand the recommendation.","start":820.61,"end":825.51,"sentiment":"neutral","sentiment_score":0.17006846566994985}],"sentiment":"neutral","sentiment_score":0.1195383916663773,"channel":0,"num_words":34,"start":810.435,"end":825.51},{"sentences":[{"text":"It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it.","start":826.375,"end":834.215,"sentiment":"neutral","sentiment_score":0.20195316910743713},{"text":"But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you.","start":834.215,"end":848.61,"sentiment":"neutral","sentiment_score":0.29191501686970395},{"text":"Now if you would like to go and research and have a look at that investment in a more detail for you.","start":848.91,"end":856.355,"sentiment":"neutral","sentiment_score":0.25156027349558746},{"text":"In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well.","start":856.89496,"end":875.2,"sentiment":"neutral","sentiment_score":0.2592046091865216},{"text":"So all the transparency and everything is there","start":875.34,"end":877.58,"sentiment":"neutral","sentiment_score":0.15120462700724602}],"sentiment":"neutral","sentiment_score":0.24869291405094432,"channel":0,"num_words":141,"start":826.375,"end":877.58},{"sentences":[{"text":"Okay.","start":877.48004,"end":877.98004,"sentiment":"positive","sentiment_score":0.374456524848938}],"sentiment":"positive","sentiment_score":0.374456524848938,"channel":1,"num_words":1,"start":877.48004,"end":877.98004},{"sentences":[{"text":"for you.","start":877.58,"end":878.24005,"sentiment":"positive","sentiment_score":0.4061863273382187}],"sentiment":"positive","sentiment_score":0.4061863273382187,"channel":0,"num_words":2,"start":877.58,"end":878.24005},{"sentences":[{"text":"Okay.","start":880.41504,"end":880.815,"sentiment":"positive","sentiment_score":0.5512200593948364},{"text":"Thank you so much.","start":880.815,"end":881.955,"sentiment":"positive","sentiment_score":0.7634239792823792}],"sentiment":"positive","sentiment_score":0.7209831953048706,"channel":1,"num_words":5,"start":880.41504,"end":881.955},{"sentences":[{"text":"No.","start":882.475,"end":882.71497,"sentiment":"neutral","sentiment_score":0.1027824804186821},{"text":"That's okay.","start":882.71497,"end":883.535,"sentiment":"neutral","sentiment_score":0.2166229635477066},{"text":"Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile.","start":884.07495,"end":891.69495,"sentiment":"positive","sentiment_score":0.35298695062336166},{"text":"I have also included some information in regards to setting up a will and a power of attorney.","start":893.84,"end":901.54004,"sentiment":"neutral","sentiment_score":0.3121733143925667},{"text":"It's just there for you.","start":901.76,"end":902.80005,"sentiment":"positive","sentiment_score":0.48794400691986084}],"sentiment":"positive","sentiment_score":0.34003600362274383,"channel":0,"num_words":45,"start":882.475,"end":902.80005},{"sentences":[{"text":"It is something I always recommend everyone to consider.","start":902.80005,"end":905.78,"sentiment":"positive","sentiment_score":0.5873480207390256},{"text":"So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well.","start":906.335,"end":925.70996,"sentiment":"neutral","sentiment_score":0.307432807283476}],"sentiment":"positive","sentiment_score":0.34194290209306427,"channel":0,"num_words":73,"start":902.80005,"end":925.70996},{"sentences":[{"text":"Okay.","start":927.73,"end":928.23,"sentiment":"neutral","sentiment_score":0.2269219011068344}],"sentiment":"neutral","sentiment_score":0.2269219011068344,"channel":1,"num_words":1,"start":927.73,"end":928.23},{"sentences":[{"text":"Now the last thing I do wanna mention is the remuneration.","start":929.05,"end":933.70996,"sentiment":"neutral","sentiment_score":0.21300686760382218},{"text":"No changes, like I said, in the under review at all.","start":934.725,"end":937.625,"sentiment":"neutral","sentiment_score":0.29446514628150244},{"text":"It stays exactly the same.","start":937.765,"end":939.365,"sentiment":"positive","sentiment_score":0.5162757277488709},{"text":"There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation.","start":939.365,"end":947.14496,"sentiment":"positive","sentiment_score":0.4197532825849273},{"text":"So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead.","start":947.88995,"end":955.35,"sentiment":"positive","sentiment_score":0.3784687394897143}],"sentiment":"positive","sentiment_score":0.36275880487814344,"channel":0,"num_words":73,"start":929.05,"end":955.35},{"sentences":[{"text":"That is all part of that ongoing service.","start":955.73,"end":958.29,"sentiment":"positive","sentiment_score":0.5040851086378098},{"text":"So no additional fees or charges at all.","start":958.29,"end":960.855,"sentiment":"neutral","sentiment_score":0.23063328582793474}],"sentiment":"positive","sentiment_score":0.36735919723287225,"channel":0,"num_words":16,"start":955.73,"end":960.855},{"sentences":[{"text":"Okay.","start":962.72,"end":963.22,"sentiment":"neutral","sentiment_score":0.15629905462265015}],"sentiment":"neutral","sentiment_score":0.15629905462265015,"channel":1,"num_words":1,"start":962.72,"end":963.22},{"sentences":[{"text":"Yeah.","start":963.89496,"end":964.39496,"sentiment":"neutral","sentiment_score":0.1104503870010376},{"text":"Now at this point, do you have any questions for me?","start":964.77496,"end":970.15497,"sentiment":"neutral","sentiment_score":0.06737087937918576}],"sentiment":"neutral","sentiment_score":0.07096083834767342,"channel":0,"num_words":12,"start":963.89496,"end":970.15497},{"sentences":[{"text":"No.","start":972.22504,"end":972.54504,"sentiment":"neutral","sentiment_score":-0.053952932357788086},{"text":"So far,","start":972.54504,"end":973.265,"sentiment":"neutral","sentiment_score":-0.026672594249248505}],"sentiment":"neutral","sentiment_score":-0.03576604028542837,"channel":1,"num_words":3,"start":972.22504,"end":973.265},{"sentences":[{"text":"No.","start":973.19,"end":973.67,"sentiment":"neutral","sentiment_score":-0.0721055194735527}],"sentiment":"neutral","sentiment_score":-0.0721055194735527,"channel":0,"num_words":1,"start":973.19,"end":973.67},{"sentences":[{"text":"I reckon","start":973.265,"end":973.925,"sentiment":"neutral","sentiment_score":-0.049239691346883774}],"sentiment":"neutral","sentiment_score":-0.049239691346883774,"channel":1,"num_words":2,"start":973.265,"end":973.925},{"sentences":[{"text":"Okay.","start":973.67,"end":974.17,"sentiment":"neutral","sentiment_score":0.07605176419019699}],"sentiment":"neutral","sentiment_score":0.07605176419019699,"channel":0,"num_words":1,"start":973.67,"end":974.17},{"sentences":[{"text":"it's clear.","start":974.065,"end":974.625,"sentiment":"neutral","sentiment_score":0.0859740674495697},{"text":"If I have any questions, I will send you one mail, I think so,","start":974.625,"end":977.925,"sentiment":"neutral","sentiment_score":0.050654120078044276}],"sentiment":"neutral","sentiment_score":0.055069113499484956,"channel":1,"num_words":16,"start":974.065,"end":977.925},{"sentences":[{"text":"Yes.","start":977.75,"end":978.25,"sentiment":"neutral","sentiment_score":0.0714021623134613},{"text":"Yes.","start":978.39,"end":978.87,"sentiment":"neutral","sentiment_score":0.0845736414194107},{"text":"Please do.","start":978.87,"end":979.67,"sentiment":"neutral","sentiment_score":0.07576929777860641},{"text":"So","start":979.67,"end":980.17,"sentiment":"neutral","sentiment_score":0.03861997276544571}],"sentiment":"neutral","sentiment_score":0.06922687441110612,"channel":0,"num_words":5,"start":977.75,"end":980.17},{"sentences":[{"text":"or I call you back to the number.","start":979.85004,"end":981.79004,"sentiment":"neutral","sentiment_score":0.032305198488757014}],"sentiment":"neutral","sentiment_score":0.032305198488757014,"channel":1,"num_words":8,"start":979.85004,"end":981.79004},{"sentences":[{"text":"correct.","start":982.39,"end":982.89,"sentiment":"neutral","sentiment_score":0.05765534192323685},{"text":"Either way.","start":983.19,"end":983.83,"sentiment":"neutral","sentiment_score":0.07815174013376236},{"text":"So I have sent you that document.","start":983.83,"end":985.61,"sentiment":"neutral","sentiment_score":0.1344440717782293},{"text":"Have a have a read over it when you have a moment.","start":986.02496,"end":988.685,"sentiment":"neutral","sentiment_score":0.17438018694519997},{"text":"Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you.","start":989.065,"end":995.96497,"sentiment":"neutral","sentiment_score":0.22729674014060394}],"sentiment":"neutral","sentiment_score":0.18834343536032572,"channel":0,"num_words":45,"start":982.39,"end":995.96497},{"sentences":[{"text":"You can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that.","start":996.185,"end":1005.04,"sentiment":"neutral","sentiment_score":0.15155243501067162},{"text":"You can also see my personal license number, my authorized representative number listed on the cover page.","start":1005.26,"end":1012.96,"sentiment":"neutral","sentiment_score":0.11933685411863468},{"text":"And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else.","start":1013.60504,"end":1026.665,"sentiment":"neutral","sentiment_score":0.2502295817983778},{"text":"And that the advice itself has to put you in a better position as a result of the advice.","start":1027.0901,"end":1034.31,"sentiment":"neutral","sentiment_score":0.23900131253819717},{"text":"Otherwise, we can't actually make the recommendation.","start":1034.53,"end":1036.9501,"sentiment":"neutral","sentiment_score":-0.21615002197878702}],"sentiment":"neutral","sentiment_score":0.17422251596973085,"channel":0,"num_words":101,"start":996.185,"end":1036.9501},{"sentences":[{"text":"And if I don't act in your best interest, then I will lose my license.","start":1037.9701,"end":1042.15,"sentiment":"negative","sentiment_score":-0.5136191189289093},{"text":"If I lose my license, my I will lose my job, and my husband at home won't be too happy with me.","start":1042.6549,"end":1047.9349,"sentiment":"negative","sentiment_score":-0.5476148887114092},{"text":"So there's there's a lot in place to protect you at the end of the day.","start":1047.9349,"end":1052.4149,"sentiment":"neutral","sentiment_score":-0.10402441956102848},{"text":"Okay?","start":1052.4149,"end":1052.9149,"sentiment":"neutral","sentiment_score":0.0476246252655983}],"sentiment":"negative","sentiment_score":-0.39571445228325,"channel":0,"num_words":54,"start":1037.9701,"end":1052.9149},{"sentences":[{"text":"Okay.","start":1055.045,"end":1055.365,"sentiment":"neutral","sentiment_score":0.1711111068725586},{"text":"Thank you so much.","start":1055.365,"end":1056.585,"sentiment":"positive","sentiment_score":0.5577163398265839}],"sentiment":"positive","sentiment_score":0.4803952932357788,"channel":1,"num_words":5,"start":1055.045,"end":1056.585},{"sentences":[{"text":"That's okay.","start":1056.6699,"end":1057.5499,"sentiment":"positive","sentiment_score":0.36299122869968414},{"text":"Now it is also valid for a little bit.","start":1057.5499,"end":1059.95,"sentiment":"neutral","sentiment_score":0.2804538822836346},{"text":"So it is valid for sixty days.","start":1059.95,"end":1062.2899,"sentiment":"neutral","sentiment_score":0.2515770601374762},{"text":"So you have a bit of time to obviously have a read over it.","start":1062.59,"end":1066.13,"sentiment":"neutral","sentiment_score":0.18956023348229273},{"text":"Now, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time.","start":1066.6699,"end":1078.1449,"sentiment":"neutral","sentiment_score":0.07397475351269046}],"sentiment":"neutral","sentiment_score":0.15942246279108427,"channel":0,"num_words":62,"start":1056.6699,"end":1078.1449},{"sentences":[{"text":"But when you have a moment, have a read through the document.","start":1078.365,"end":1081.505,"sentiment":"neutral","sentiment_score":0.13309371409316859},{"text":"If you have any questions at all, just call the call the office and ask me or send me an email.","start":1082.0,"end":1087.68,"sentiment":"neutral","sentiment_score":0.14849247251238143},{"text":"That is perfectly fine.","start":1087.68,"end":1089.2201,"sentiment":"neutral","sentiment_score":0.3169716149568558},{"text":"Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation.","start":1090.0801,"end":1109.3151,"sentiment":"positive","sentiment_score":0.37420786159937497},{"text":"Does that all","start":1110.92,"end":1111.56,"sentiment":"neutral","sentiment_score":0.18687346080938974}],"sentiment":"neutral","sentiment_score":0.29079854348213363,"channel":0,"num_words":101,"start":1078.365,"end":1111.56},{"sentences":[{"text":"Just","start":1111.535,"end":1111.775,"sentiment":"neutral","sentiment_score":0.17207969725131989}],"sentiment":"neutral","sentiment_score":0.17207969725131989,"channel":1,"num_words":1,"start":1111.535,"end":1111.775},{"sentences":[{"text":"make sense?","start":1111.56,"end":1112.22,"sentiment":"neutral","sentiment_score":0.1549759805202484}],"sentiment":"neutral","sentiment_score":0.1549759805202484,"channel":0,"num_words":2,"start":1111.56,"end":1112.22},{"sentences":[{"text":"to confirm, if I send it","start":1111.775,"end":1113.4551,"sentiment":"neutral","sentiment_score":0.08264502199987571}],"sentiment":"neutral","sentiment_score":0.08264502199987571,"channel":1,"num_words":6,"start":1111.775,"end":1113.4551},{"sentences":[{"text":"Yes.","start":1113.32,"end":1113.82,"sentiment":"neutral","sentiment_score":0.1829584836959839}],"sentiment":"neutral","sentiment_score":0.1829584836959839,"channel":0,"num_words":1,"start":1113.32,"end":1113.82},{"sentences":[{"text":"if I send you the documents forward, it's like, I'm agreeing with the change.","start":1113.775,"end":1118.1951,"sentiment":"neutral","sentiment_score":0.24454961930002486}],"sentiment":"neutral","sentiment_score":0.24454961930002486,"channel":1,"num_words":14,"start":1113.775,"end":1118.1951},{"sentences":[{"text":"Correct.","start":1119.32,"end":1119.82,"sentiment":"neutral","sentiment_score":0.261656254529953},{"text":"So if you are happy","start":1120.04,"end":1121.72,"sentiment":"neutral","sentiment_score":0.29689023494720457}],"sentiment":"neutral","sentiment_score":0.29101790487766266,"channel":0,"num_words":6,"start":1119.32,"end":1121.72},{"sentences":[{"text":"Done.","start":1121.53,"end":1122.03,"sentiment":"positive","sentiment_score":0.3539956510066986}],"sentiment":"positive","sentiment_score":0.3539956510066986,"channel":1,"num_words":1,"start":1121.53,"end":1122.03},{"sentences":[{"text":"with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy","start":1121.72,"end":1129.625,"sentiment":"neutral","sentiment_score":0.2628311062497752}],"sentiment":"neutral","sentiment_score":0.2628311062497752,"channel":0,"num_words":28,"start":1121.72,"end":1129.625},{"sentences":[{"text":"Okay.","start":1129.61,"end":1130.11,"sentiment":"neutral","sentiment_score":0.1862855851650238}],"sentiment":"neutral","sentiment_score":0.1862855851650238,"channel":1,"num_words":1,"start":1129.61,"end":1130.11},{"sentences":[{"text":"of the signed one.","start":1130.085,"end":1131.285,"sentiment":"neutral","sentiment_score":0.16418436914682388},{"text":"But if you have any questions, you just let","start":1131.285,"end":1133.285,"sentiment":"neutral","sentiment_score":0.11088298757870992}],"sentiment":"neutral","sentiment_score":0.12728341267659113,"channel":0,"num_words":13,"start":1130.085,"end":1133.285},{"sentences":[{"text":"Oh,","start":1133.225,"end":1133.385,"sentiment":"neutral","sentiment_score":0.10972709953784944}],"sentiment":"neutral","sentiment_score":0.10972709953784944,"channel":1,"num_words":1,"start":1133.225,"end":1133.385},{"sentences":[{"text":"me","start":1133.285,"end":1133.4451,"sentiment":"neutral","sentiment_score":0.1095714122056961}],"sentiment":"neutral","sentiment_score":0.1095714122056961,"channel":0,"num_words":1,"start":1133.285,"end":1133.4451},{"sentences":[{"text":"okay.","start":1133.385,"end":1133.885,"sentiment":"neutral","sentiment_score":0.11699691414833067}],"sentiment":"neutral","sentiment_score":0.11699691414833067,"channel":1,"num_words":1,"start":1133.385,"end":1133.885},{"sentences":[{"text":"know.","start":1133.4451,"end":1133.9451,"sentiment":"neutral","sentiment_score":0.1029634177684784},{"text":"Yeah.","start":1134.405,"end":1134.905,"sentiment":"neutral","sentiment_score":0.10086016356945038}],"sentiment":"neutral","sentiment_score":0.10191179066896439,"channel":0,"num_words":2,"start":1133.4451,"end":1134.905},{"sentences":[{"text":"Okay.","start":1136.745,"end":1137.065,"sentiment":"neutral","sentiment_score":0.10718249529600143},{"text":"Bye.","start":1137.065,"end":1137.385,"sentiment":"neutral","sentiment_score":0.11765724420547484},{"text":"No","start":1137.385,"end":1137.625,"sentiment":"neutral","sentiment_score":0.09373486042022704}],"sentiment":"neutral","sentiment_score":0.10619153330723445,"channel":1,"num_words":3,"start":1136.745,"end":1137.625},{"sentences":[{"text":"Yeah.","start":1137.5701,"end":1138.0701,"sentiment":"neutral","sentiment_score":0.08396837115287781}],"sentiment":"neutral","sentiment_score":0.08396837115287781,"channel":0,"num_words":1,"start":1137.5701,"end":1138.0701},{"sentences":[{"text":"worries.","start":1137.625,"end":1138.125,"sentiment":"neutral","sentiment_score":0.10580742359161376}],"sentiment":"neutral","sentiment_score":0.10580742359161376,"channel":1,"num_words":1,"start":1137.625,"end":1138.125},{"sentences":[{"text":"No worries.","start":1138.6901,"end":1139.3301,"sentiment":"neutral","sentiment_score":0.08465234562754631},{"text":"Well, thank you so much for your time this afternoon, Jose.","start":1139.3301,"end":1143.1101,"sentiment":"positive","sentiment_score":0.7827855511145159},{"text":"I will let you get back to it.","start":1143.4901,"end":1145.9701,"sentiment":"positive","sentiment_score":0.40864409133791924},{"text":"But like I said, any questions, just give me a call or an email.","start":1145.9701,"end":1150.895,"sentiment":"neutral","sentiment_score":0.125907374812024},{"text":"Otherwise, I'll keep a look at to see if that documents come through as well for you.","start":1150.955,"end":1154.975,"sentiment":"neutral","sentiment_score":0.278568132835276}],"sentiment":"positive","sentiment_score":0.3566819228805028,"channel":0,"num_words":52,"start":1138.6901,"end":1154.975},{"sentences":[{"text":"Okay.","start":1156.6,"end":1156.84,"sentiment":"positive","sentiment_score":0.35571572184562683},{"text":"Thank you so much,","start":1156.84,"end":1157.98,"sentiment":"positive","sentiment_score":0.714028537273407}],"sentiment":"positive","sentiment_score":0.6423659741878509,"channel":1,"num_words":5,"start":1156.6,"end":1157.98},{"sentences":[{"text":"No problem at all.","start":1158.955,"end":1159.755,"sentiment":"positive","sentiment_score":0.6451674997806549},{"text":"We'll speak soon, and you have a lovely rest of your afternoon.","start":1159.755,"end":1162.575,"sentiment":"positive","sentiment_score":0.7218624353408813}],"sentiment":"positive","sentiment_score":0.7026887014508247,"channel":0,"num_words":16,"start":1158.955,"end":1162.575},{"sentences":[{"text":"Mary.","start":1164.205,"end":1164.405,"sentiment":"positive","sentiment_score":0.44990354776382446},{"text":"You too.","start":1164.405,"end":1164.765,"sentiment":"positive","sentiment_score":0.41136568784713745},{"text":"Thank you.","start":1164.765,"end":1165.505,"sentiment":"positive","sentiment_score":0.6659482419490814}],"sentiment":"positive","sentiment_score":0.5209062814712524,"channel":1,"num_words":5,"start":1164.205,"end":1165.505},{"sentences":[{"text":"Thank you.","start":1166.0688,"end":1166.8889,"sentiment":"positive","sentiment_score":0.6206593215465546},{"text":"Bye for now.","start":1166.9489,"end":1167.8489,"sentiment":"neutral","sentiment_score":0.3252644141515096}],"sentiment":"positive","sentiment_score":0.4434223771095276,"channel":0,"num_words":5,"start":1166.0688,"end":1167.8489},{"sentences":[{"text":"Bye bye.","start":1168.4451,"end":1169.185,"sentiment":"neutral","sentiment_score":0.17107996344566345},{"text":"Bye bye.","start":1169.725,"end":1170.465,"sentiment":"neutral","sentiment_score":0.14833498746156693}],"sentiment":"neutral","sentiment_score":0.1597074754536152,"channel":1,"num_words":4,"start":1168.4451,"end":1170.465},{"sentences":[{"text":"Bye.","start":1170.2289,"end":1170.7289,"sentiment":"neutral","sentiment_score":-0.1254221647977829}],"sentiment":"neutral","sentiment_score":-0.1254221647977829,"channel":0,"num_words":1,"start":1170.2289,"end":1170.7289}]},"summary":{"result":"success","short":"The representative recommends changing Jose's investment portfolio to a more competitive one and suggests changing his current superanncare plan to a more competitive one. They also recommend changing Jose's current portfolio to a beta share program and show the benefits of changing it to a cheaper investment. The speaker emphasizes the importance of fully understanding the recommendation and protecting Jose's health and license. They also mention the benefits of the will and power of attorney, including a review process, and offer to provide a will and power of attorney electronically."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Okay.","start_word":72,"end_word":101,"intents":[{"intent":"Check call recording","confidence_score":0.0019324179}]},{"text":"And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me?","start_word":106,"end_word":148,"intents":[{"intent":"Confirm identity","confidence_score":0.2003038},{"intent":"Confirm details","confidence_score":0.010477913}]},{"text":"Now do you have access to your emails at the moment, or are you kind of I'm driving driving. or a bit busy? Yes. Why?","start_word":161,"end_word":185,"intents":[{"intent":"Check availability","confidence_score":0.010088415},{"intent":"Request email confirmation","confidence_score":0.013598147}]},{"text":"So I am I have put together a recommendation for you to make a couple of minor changes to your investment. So Okay.","start_word":189,"end_word":211,"intents":[{"intent":"Discuss investment changes","confidence_score":0.17196222},{"intent":"Obtain recommendation","confidence_score":0.0028629429}]},{"text":"email that to you. So if you have a moment to access it while we're on the phone, that would be good. But if you don't, because it is pretty straightforward, I can kind of just talk through the changes. And then later, if you have a bit more time, you can then have a read over it and let me know what you think. It is up to you.","start_word":283,"end_word":352,"intents":[{"intent":"Request review","confidence_score":0.080134176}]},{"text":"So after doing research, I have recommended that you stay in hub twenty four. It Yes.","start_word":540,"end_word":555,"intents":[{"intent":"Recommend staying in hub twenty four","confidence_score":0.15422457}]},{"text":"But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good.","start_word":769,"end_word":796,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.2060077}]},{"text":"So, basically, per year, it will save you around $375, which does make a difference Okay.","start_word":797,"end_word":812,"intents":[{"intent":"Save money","confidence_score":0.032900948}]},{"text":"the biggest thing is also when it comes to the investment return. So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%.","start_word":840,"end_word":896,"intents":[{"intent":"Explain investment return","confidence_score":0.02283814}]},{"text":"Now now what I have also included for you is just to kind of forecast everything forward for five and ten years.","start_word":947,"end_word":968,"intents":[{"intent":"Provide forecast","confidence_score":0.061164446}]},{"text":"Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios.","start_word":1078,"end_word":1100,"intents":[{"intent":"Show returns","confidence_score":0.3660531}]},{"text":"So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them.","start_word":1102,"end_word":1136,"intents":[{"intent":"Analyze investment options","confidence_score":0.3190027}]},{"text":"Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done. So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio.","start_word":1643,"end_word":1684,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.21905096}]},{"text":"Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it.","start_word":1781,"end_word":1805,"intents":[{"intent":"Rebalance investment portfolio","confidence_score":0.033028763}]},{"text":"So still keeping it.","start_word":1853,"end_word":1856,"intents":[{"intent":"Keep investments aligned","confidence_score":0.0067784893}]},{"text":"Any questions? Okay. Okay.","start_word":1964,"end_word":1967,"intents":[{"intent":"Answer questions","confidence_score":0.017955221}]},{"text":"A lot of that is just through making sure that you fully understand the recommendation. It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it.","start_word":1991,"end_word":2030,"intents":[{"intent":"Understand recommendation","confidence_score":0.35122913}]},{"text":"In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well.","start_word":2083,"end_word":2138,"intents":[{"intent":"Review investment link","confidence_score":0.011830999}]},{"text":"I have also included some information in regards to setting up a will and a power of attorney.","start_word":2177,"end_word":2194,"intents":[{"intent":"Educate on will and power of attorney","confidence_score":0.00029910458}]},{"text":"Now the last thing I do wanna mention is the remuneration.","start_word":2274,"end_word":2284,"intents":[{"intent":"Discuss remuneration","confidence_score":0.13889351}]},{"text":"If I have any questions, I will send you one mail, I think so, Yes.","start_word":2385,"end_word":2399,"intents":[{"intent":"Send document","confidence_score":0.03394793}]},{"text":"And if I don't act in your best interest, then I will lose my license. If I lose my license, my I will lose my job, and my husband at home won't be too happy with me. So there's there's a lot in place to protect you at the end of the day. Okay?","start_word":2558,"end_word":2611,"intents":[{"intent":"Recommend avoiding violence","confidence_score":0.000021453478}]},{"text":"Now it is also valid for a little bit. So it is valid for sixty days.","start_word":2619,"end_word":2634,"intents":[{"intent":"Confirm document validity","confidence_score":0.018428044}]},{"text":"If you have any questions at all, just call the call the office and ask me or send me an email. That is perfectly fine.","start_word":2691,"end_word":2715,"intents":[{"intent":"Offer assistance with the document","confidence_score":1.9739802e-7}]},{"text":"No Yeah. worries. No worries.","start_word":2860,"end_word":2864,"intents":[{"intent":"Ensure understanding","confidence_score":0.012821056}]}]},"sentiments":{"segments":[{"text":"Yes. Hello, Jose again? Indeed. Jose. Yeah. Veronica. Hey, Veronica. I I had you booked in. It shouldn't take too long today because I know you are very, very busy as well. But just to go through the reset I did on your super investment, do you have a a bit of time for me? Go ahead. Go ahead. Go ahead. I Yes. have one Okay. hour and forty minutes.","start_word":0,"end_word":69,"sentiment":"neutral","sentiment_score":0.0923098474740982},{"text":"Oh, perfect.","start_word":70,"end_word":71,"sentiment":"positive","sentiment_score":0.4373234510421753},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Okay. No problem. Yep.","start_word":72,"end_word":104,"sentiment":"neutral","sentiment_score":0.07894745469093323},{"text":"Perfect.","start_word":105,"end_word":105,"sentiment":"positive","sentiment_score":0.4853496551513672},{"text":"And just because I am calling on a different number, even though I can hear that it is you, but just for your security purposes, could I please just get you to just confirm your full name and date of birth for me? Jose Morisho Holcote. Twenty eight nineteen seventy seventy seven. Yep. Yep.","start_word":106,"end_word":159,"sentiment":"neutral","sentiment_score":0.08888325095176697},{"text":"Beautiful.","start_word":160,"end_word":160,"sentiment":"positive","sentiment_score":0.5103119611740112},{"text":"Now do you have access to your emails at the moment, or are you kind of I'm driving driving. or a bit busy? Yes. Why? Because Hello? yeah. So I am I have put together a recommendation for you to make a couple of minor changes to your investment. So Okay. what The one what we talked last time. correct. So The one in who is order losing one. correct. So it is changing that one. So in order to try not make a recommendation for you, I have to put everything in a statement of advice. Is that a kind of, like, that long compliance document, but it is to make sure that you fully understand everything. So I will Okay. email that to you. So if you have a moment to access it while we're on the phone, that would be good. But if you don't, because it is pretty straightforward, I can kind of just talk through the changes. And then later, if you have a bit more time, you can then have a read over it and let me know what you think. It is up to you. Okay. Let me go to tell me what is about it, and after that, when I get home, I just Okay. quickly check Pass it in.","start_word":161,"end_word":378,"sentiment":"neutral","sentiment_score":0.06741581517143534},{"text":"perfect.","start_word":379,"end_word":379,"sentiment":"positive","sentiment_score":0.6614029407501221},{"text":"So I have just emailed that to you when you have a moment later. Now might end up in spam folder, so just have a bit of a look through it later. But, essentially, I have put together a recommendation.","start_word":380,"end_word":419,"sentiment":"neutral","sentiment_score":0.08389218151569366},{"text":"Like I said, it is very straightforward because we've kind of already touched on it.","start_word":420,"end_word":434,"sentiment":"positive","sentiment_score":0.4186681807041168},{"text":"It was just for me to do all that research to make sure what was going to be the best option when it came to the investment for you. So what I have done is I also considered your current superannuation with hub twenty four as part of the research. So making sure if hub twenty four was still going to be the best option for you because there are always new products and features that come out to the market. So it is good to do research just to make sure it's still their most competitive option for you. Does that make sense? Yes. So after doing research, I have recommended that you stay in hub twenty four. It Yes. is still Are very you working competitive. for half twenty four? No. Completely independent. Just for. Okay. I Yes. just No. No tie at all. And that's why we do that's why we do the research because if okay. I found another option for you that was going to be better, then I would have recommended that. There's nothing tying up to have twenty four. You will actually see in the document on the alternative. So I have put one of the alternatives there, but there's a lot of different different funds to look at. One option I was considering for you that is pretty competitive and similar to Hub twenty four was another platform called MyNorth. But, essentially, it wasn't worth you changing because the capital gains tax would be a lot higher, and hub twenty four has the same features and even more investment options. So Okay. yeah. So I have recommended that for now anyway. You stay in hub twenty four and literally just change a couple of investments. Okay. So I have kind of formalized everything for you. Now what usually makes a bit more sense is later when you have a look at page 15, you will basically see very extent extensive document explaining everything in Hello? detail.","start_word":435,"end_word":768,"sentiment":"neutral","sentiment_score":0.11713919342456464},{"text":"But, basically, by staying in Hub 24 and changing one investment and just rebalance your portfolio, it will actually reduce your investment fees, which is which is good. So, basically, per year, it will save you around $375, which does make a difference Okay. when you add up everything and each year as well. So it's making it a bit cheaper for you, which is great.","start_word":769,"end_word":834,"sentiment":"positive","sentiment_score":0.5384165644645691},{"text":"Now Okay. the That's it. the biggest thing is also when it comes to the investment return. So with your current portfolio, when we are looking at a five year time frame, so making sure we obviously consider a little bit longer time frame, On average, the current portfolio that you're invested in has performed at an average return of about 6.48%. Now the recommended now this is all in writing for you in the document later so you can have a have a look through it. But the Okay.","start_word":835,"end_word":924,"sentiment":"neutral","sentiment_score":0.15912027657032013},{"text":"recommended, it has performed at eleven point zero six. So quite a bit better than your current portfolio, which is great.","start_word":925,"end_word":945,"sentiment":"positive","sentiment_score":0.5606282949447632},{"text":"Okay. Now now what I have also included for you is just to kind of forecast everything forward for five and ten years. Now we're not making any changes to your risk tolerance. We are keeping you in your growth portfolio, not changing anything there, not changing contributions or insurances. It all stays the same. So it is literally changing one investment, and that was that one, the investment I mentioned last time, and kind of just rebalance K. your portfolio.","start_word":946,"end_word":1026,"sentiment":"neutral","sentiment_score":0.1831347644329071},{"text":"And what that basically does is it saves you a bit of fees and improves the return. And when we are looking in a five year time frame, it all adds up pretty pretty quickly, and will make a difference of around 32,000, in five years, which is pretty good.","start_word":1027,"end_word":1076,"sentiment":"positive","sentiment_score":0.5262020230293274},{"text":"Yeah. Now what I also have done for you is shown you the returns for a longer period of time between the two portfolios. So your current one versus the recommended, and I have included a twelve month period, a three year, five year, and ten year so you can have a bit more of a comparison between them. So not just looking at five years.","start_word":1077,"end_word":1142,"sentiment":"neutral","sentiment_score":0.1349738734689626},{"text":"And across all time frames, the twelve months, three years, five, and ten years, the recommended has outperformed your current one in each of those scenarios, which again is really good. Does that make sense so far?","start_word":1143,"end_word":1179,"sentiment":"positive","sentiment_score":0.5142902135848999},{"text":"Okay. Yes. Yes. Yes. Yes. Now when it comes to the investment, like I said last time, it is switching your Benelon concentrated equity, and it's swapping it for a beta shares Australia 200. So, basically, how they're different is because if we're looking at changing one Australian investment, we wanna make sure we then look at an alternative option that is pretty similar because we wanna make sure you maintain your diversification. We don't want everything in The US or everything in Asia or everything in Europe. Yep. We wanna make sure we keep things diversified. So we were then okay. Well, if we take away Australia, what can we look at replacing it? Now the Yeah. BetaShares Australia two hundred, it is a little bit more simplified investment. And what it is, it basically invests in the 200 largest company listed in Australia. So within one single investment, you will be invested in 200 companies. So, basically, what that means is that as a company might grow and get big, it gets added to the 200. As a smaller company then kinda falls off, it comes out.","start_word":1180,"end_word":1368,"sentiment":"neutral","sentiment_score":0.11823347955942154},{"text":"So it will be a little bit smoother because of it. And because it is tracking the 200 largest, so you have all your, you know, your banks, the BHP, Woolworths, all the big companies in Australia, so very well established. It will be a bit cheaper, and that's why the fee saving for you than Benelung.","start_word":1369,"end_word":1425,"sentiment":"positive","sentiment_score":0.44724011421203613},{"text":"Because I don't know Okay. if you remember with Benelung, it's kind of a little bit more of that they are actively buying and selling a little bit more frequently in order to try to outperform the market. And because of that, there's kind of, like, more research and stuff that goes into the investment, which makes it a little bit more expensive. But if that's not performing as well anymore, then you don't wanna be paying a little bit more for an investment unless they're giving you then higher return as a result. Does that make sense? Yes. Yes.","start_word":1426,"end_word":1525,"sentiment":"neutral","sentiment_score":-0.02918148022145033},{"text":"So, basically, the beta shares Australia is cheaper for you, but, also, as you can see with the return, has performed better. It still maintains the diversification for you. And the good thing as well is that by making the change and rebalance your portfolio, sometimes when we are selling investments, there will be capital gains tax that will be applicable when we are selling an investment.","start_word":1526,"end_word":1592,"sentiment":"positive","sentiment_score":0.4523700475692749},{"text":"Now that can change on a daily, obviously, with market movement.","start_word":1593,"end_word":1603,"sentiment":"neutral","sentiment_score":0.30000367760658264},{"text":"But when I did everything for you, it shows that there will be no capital gains tax by making this change, which is good. So no additional tax to come out, which is it, which is very good.","start_word":1604,"end_word":1641,"sentiment":"positive","sentiment_score":0.49089446663856506},{"text":"Yeah. Now the the other thing with your portfolio, when I say rebalancing so like I said, that is the only switch we have done. So removed and along introduced beta shift is that I've also just recommended that we rebalance your portfolio. Basically, what that means is that because, obviously, your superannuation invested, it is important to rebalancing to making sure that it all aligns with your investment strategy. So, basically, over time, market movements can cause some investments to grow more than others, which then means that they represent a Yeah. larger portion of your portfolio, whereas then others become smaller. So rebalancing basically means that we are readjusting everything back into their attended levels. So, basically, rebalancing everything back to alignment to keeping your portfolio aligned with your objectives and your risk profile and everything. Because, yeah, over time, it can get a little bit out of balance, so it is important to rebalance everything for you and align it. So I have recommended that as well. They're not changing everything. It is That's just basically rebalancing. That makes okay. sense, Jose? So what you're saying, like, whatever is not ending in that, we just recheck it either way Correct. for investment Just just changing or how much. So still keeping it. But let's say, for example, you have at the moment, the S and P 500 in the portfolio. So that invest in the 200 sorry, the 500 largest companies listed in in America. yeah. Now at the moment, because that one has Yes.","start_word":1642,"end_word":1899,"sentiment":"neutral","sentiment_score":0.07813364146060722},{"text":"grown, which is great, you have about 25.41% of your super invested in that one option.","start_word":1900,"end_word":1915,"sentiment":"positive","sentiment_score":0.4077699780464173},{"text":"We just wanna bring it back down to 20%. So, again, keeping it in your portfolio, just realigning everything as the market continues to grow and there's different fluctuations. So that is basically what rebalancing means, just bringing it all back into alignment. We're still keeping those. Okay. Any questions? Okay. Okay. No pressure, No. Veronica. No. No. Good. Now when you have a look for the document, like I said, this is 32 pages. A lot of that is just through making sure that you fully understand the recommendation. It puts everything I've kind of touched on and a little bit more detail into work so that you can have a read through it. But like I said, it is pretty straightforward, not changing insurances, not changing risk profile, keeping super fund, and literally just changing that one investment and rebalance everything for you. Now if you would like to go and research and have a look at that investment in a more detail for you. In the appendix, which is the second document in that email I I just sent you, it also includes investment links so that you can click on them, and that gives you everything in regards to the investment if it is something you do want to have a read over in your own time as well. So all the transparency and everything is there Okay.","start_word":1916,"end_word":2147,"sentiment":"neutral","sentiment_score":0.2225521606361044},{"text":"for you. Okay. Thank you so much.","start_word":2148,"end_word":2154,"sentiment":"positive","sentiment_score":0.6038565635681152},{"text":"No. That's okay.","start_word":2155,"end_word":2157,"sentiment":"neutral","sentiment_score":0.191786989569664},{"text":"Now from a risk profile, like I said, it stays stays the same, still aligns with your growth profile.","start_word":2158,"end_word":2176,"sentiment":"positive","sentiment_score":0.3493221700191498},{"text":"I have also included some information in regards to setting up a will and a power of attorney.","start_word":2177,"end_word":2194,"sentiment":"neutral","sentiment_score":0.3072996735572815},{"text":"It's just there for you. It is something I always recommend everyone to consider.","start_word":2195,"end_word":2208,"sentiment":"positive","sentiment_score":0.5317471027374268},{"text":"So just for your reference, I have included some information in regards to a will and power of attorney in the document as well, which, again, you can obviously take your time and have a read through because it does go into a bit more detail, like benefits of the will and different types of power of attorney and stuff like that as well. Okay. Now the last thing I do wanna mention is the remuneration. No changes, like I said, in the under review at all.","start_word":2209,"end_word":2295,"sentiment":"neutral","sentiment_score":0.2887270450592041},{"text":"It stays exactly the same. There's no additional fees or charges if you are happy when you have a read over everything to go through the recommendation. So there's no additional fees or charges for, obviously, the research or to implement this investment change if you are happy to go ahead. That is all part of that ongoing service.","start_word":2296,"end_word":2354,"sentiment":"positive","sentiment_score":0.4222306609153747},{"text":"So no additional fees or charges at all. Okay. Yeah. Now at this point, do you have any questions for me? No. So far, No. I reckon Okay. it's clear. If I have any questions, I will send you one mail, I think so, Yes. Yes. Please do. So or I call you back to the number. correct. Either way. So I have sent you that document. Have a have a read over it when you have a moment. Now I do also wanna point out that on the cover page, you can see that this has been tailored specifically for you. You can see, obviously, all the Oakview information, so where we're located, our AFSL license, address, email, everything like that. You can also see my personal license number, my authorized representative number listed on the cover page. And I do wanna stress as well that when we do put together the recommendation, we always have to follow that best interest duty, which is making sure that we always take your best interest before anything else. And that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.","start_word":2355,"end_word":2557,"sentiment":"neutral","sentiment_score":0.14060784142299235},{"text":"And if I don't act in your best interest, then I will lose my license. If I lose my license, my I will lose my job, and my husband at home won't be too happy with me.","start_word":2558,"end_word":2594,"sentiment":"negative","sentiment_score":-0.5253563523292542},{"text":"So there's there's a lot in place to protect you at the end of the day. Okay? Okay.","start_word":2595,"end_word":2612,"sentiment":"neutral","sentiment_score":-0.07407938688993454},{"text":"Thank you so much. That's okay.","start_word":2613,"end_word":2618,"sentiment":"positive","sentiment_score":0.45841455459594727},{"text":"Now it is also valid for a little bit. So it is valid for sixty days. So you have a bit of time to obviously have a read over it. Now, obviously, because Benelung is underperforming a little bit, we do wanna obviously change that over through keep rolling your super as much as possible, but you do have time. But when you have a moment, have a read through the document. If you have any questions at all, just call the call the office and ask me or send me an email. That is perfectly fine.","start_word":2619,"end_word":2715,"sentiment":"neutral","sentiment_score":0.14864327013492584},{"text":"Or if you do have a read over it and it all makes sense and you are happy to go ahead with the the investment change, To then move forward would just to be signing the document in the email electronically, and then it will automatically send back to me, and that tells me that you are happy with the recommendation.","start_word":2716,"end_word":2776,"sentiment":"positive","sentiment_score":0.37091338634490967},{"text":"Does that all Just make sense? to confirm, if I send it Yes. if I send you the documents forward, it's like, I'm agreeing with the change. Correct. So if you are happy Done. with the change, then you can just sign it digitally on through that email, and you don't have to call me or anything because I'll get a copy Okay. of the signed one. But if you have any questions, you just let Oh, me okay. know. Yeah. Okay. Bye. No Yeah. worries. No worries.","start_word":2777,"end_word":2864,"sentiment":"neutral","sentiment_score":0.2005208134651184},{"text":"Well, thank you so much for your time this afternoon, Jose. I will let you get back to it.","start_word":2865,"end_word":2883,"sentiment":"positive","sentiment_score":0.6226134896278381},{"text":"But like I said, any questions, just give me a call or an email. Otherwise, I'll keep a look at to see if that documents come through as well for you.","start_word":2884,"end_word":2914,"sentiment":"neutral","sentiment_score":0.20017829537391665},{"text":"Okay. Thank you so much, No problem at all. We'll speak soon, and you have a lovely rest of your afternoon. Mary. You too. Thank you. Thank you.","start_word":2915,"end_word":2942,"sentiment":"positive","sentiment_score":0.6343817114830017},{"text":"Bye for now. Bye bye. Bye bye. Bye.","start_word":2943,"end_word":2950,"sentiment":"neutral","sentiment_score":0.20467230677604675}],"average":{"sentiment":"neutral","sentiment_score":0.1893336198634916}}}}