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Is now still a good time there for you? Yeah. I'm so sorry. I feel like I may have woken you up. No. Oh, well, I'm very sorry if I woke you up. I do apologize. Do you have just a few minutes for a quick catch up now? Yeah. All good. All good. Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you, we are discussing your personal information. So just to confirm, your full name, your date of birth, and address I should have on file there for you. That's okay. You just check something out there, and I'll let you know if it's wrong. Let me double that's not the one I'm looking at, but that's okay. And I also have sorry. Sorry. Your other file here. Where is it? I'll just have a look. Sorry. Back. Okay. So that's not the address I have on here. Is there another one that you might have? Yeah. What where else have you resided in the past? Where else have you resided in the past? That's that's the one. Perfect. That's the one I have here. I'm sorry. I didn't have the other ones previously noted. I do apologize about that. But that is the one we do have here. Perfect. And just your date of birth as well for me, please, Casper. So sorry. Beautiful. Lovely. Thank you so much. So the 19 the The Quarter Street, that is where you are at the moment? Yep. Perfect. Well, that's the address we do currently have on file, so it's all up to date for you. Okay? Thank you for that. Sorry about the trouble. Kasper it's all good. Kasper, last time we did catch up, we did the annual review late last year, and we were looking at the insurance side of things. So I know you did do a free assessment around about November with my team. We had sent those free assessments off to see how insurances might be assessed because you wanted to see if you could consolidate your ING into your net wealth and maybe have everything in one place. With having a look at what was disclosed, there was a few health conditions that have been disclosed. So certain things, I can give you a list of them. We had the bariatric surgery, the knee aspiration, the right broken thumb, the left broken collarbone, the skin cancer on the calf, the left shoulder ligament and muscle damage, and the right shoulder hyper, hyperextension, and then the mild depression and the appendix removal. So there was quite a few things that have been disclosed, and we did send that off the to the pre assessment teams to see how they would assess things. The other thing you had disclosed was that you were planning to move back to New Zealand and leave Australia permanently as well. So in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you. Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on. So they the only provider that was willing to offer any kind of cover, unfortunately, was only offering ADL definition, which is, basically, you need to be unable to feed yourself, fade yourself, and close yourself. So it's not a great definition. It's not something I would sort of like you to have. It does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running. Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for. The cover you have now gives you more eligibility to claim on. It's a better product for you to be able to claim on. Does that make sense? Yeah. So it does mean we do have to retain that at the moment. I do wanna keep looking forward to seeing how things are going for you. One of the things you did make mention to me was that you are wanting to move back to New Zealand. Do you have any idea of when you're wanting to do that, or is there a plan in place? Are you still thinking about it? Because when we spoke last year, you mentioned that you were wanting to move back to New Zealand. Yeah. It it Yeah. It absolutely does. Okay. Because it absolutely does. So are you moving back permanently? Because you mentioned that's what you were wanting to do. It's a bit cheaper living in New Zealand. Yeah. Yeah. Okay. Okay. So are you going to be living over there, or are you coming back? Is it just a holiday to New Zealand? Okay. Yeah. Yeah. Yeah. Absolutely. And are you planning on doing any kind of work in New Zealand while you're there? Will you be earning any money whilst you're living over there or just coming back here to work and just working in Australia? Okay. Perfect. So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license. So what I do need to do is I do need to go and speak to our head of advice to find out put your circumstances out there that you'll be living in New Zealand and just flying back here to work every couple of weeks. You said you're working two weeks at a time. Is that right? Yeah. Perfect. I will just put this to our head of advice to find out what we are able to do moving forward. We can still do annual reviews for you, but I don't obviously want you to be paying for our services if we're not able to help you moving forward. So it might be worth you moving back to ING and keeping everything in one place. So I will go back and speak to my head of advice and find out what our obligations are there and what we can do to help you, and then I will make time to email you or touch base. Are you better contacted via email at the moment, or is it best to give you a call? What would you prefer me to do to be able to touch base with your customer? No. That's okay. Not a not a problem. Yes. Yeah. No. Absolutely. Well, I could always send you an email with and then follow-up. Yeah. Yes. Well, it means that we may not be able to provide ongoing advice. So, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by. And, essentially, if you're living in a different country, there are different taxation laws in different countries. So for us to provide advice here, we have to take into account the New Zealand taxation rules, and that can be quite conflicting. We don't know enough about the taxation rules. A lot of accounts here don't even understand the taxation rules in New Zealand. They can be quite different. So there's a lot of conflicting information there. We'd have to take into account Australian taxation as well as New Zealand, which can be quite conflicting. If we get that wrong, it can place you in a negative position, so the advice may not be appropriate. So our licenses does not allow us to provide advice when you are living overseas, but it also comes down to the circumstances. So if you are just residing over there and working over here, I might be able to confirm that we still can provide the advice. There might just be some stipulations around what that entails, and I just need to seek approval from our head of advice to find out what we are and are not able to do to help you. But I also don't wanna do anything that's gonna put you in a bad position, and it might be easier for you. I mean, you have your two super funds at the moment. So it might even be easier if we just move you back to I n g. You have everything in one place. Your super stays where it is, and you have access to it in a lower cost fund. So I just need to find out what the stipulations are, what our requirements are, and what we can do to help you to make sure that we're putting your needs above that of everything else. Does that make sense? Yeah. I don't I know. I know. And, look, I will I wanna be able to help you moving forward, but I just need to make sure we're doing it in the right way as well. So it's not a no yet. It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further. Is that okay? Yeah. That's okay. We just don't wanna do anything that's gonna negatively impact you. You've worked really hard. You're still working really hard, and you deserve the retirement you're after. So, we just need to make sure we're doing everything right. And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you. The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well. Because if you're living overseas and you can't claim on the insurance, is it actually worth having? So I will do a bit more research around that for you as well. Is that okay? Yeah. No. That's okay. I just wanna make sure we're looking after you and putting your needs above that of our own is the most important part of our job. And I'm wanna be honest with you, if it's better for you to be in ING, we will tell you that. If we feel that we can still help you out, then we will definitely do that for you as well. I just need to find out what the stipulations are. Does that make sense? Yeah. Perfect. I hope I can come back with some good news for you. And I'm sorry that we weren't able to get any new insurance as we did try really hard and fight the in insurers there. But is we wanna make sure that the products you have that you can actually claim on. There's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries. And so it's important to make sure you are able to claim on the products you are paying more as well. Does that all help you a little bit? I'm so sorry it wasn't great news this morning, but I wanna go into that for you. Do you have any questions for me at the moment at all, Casa? No? Yeah. That's okay. Well, what I will do next is I'll just go back. I'll speak to my head of advice. I'll find out what we wanna do. I'll put your circumstances out there and find out what we're able to do under the license, and then we will get probably an email drawn up, and then I'll follow-up with a conversation with you just to sort of see that you've got that, that you understand, and then we can look at what to do moving forward. I know last year, we did also talk about maybe updating your portfolio. And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided. Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day. Okay? No. That's okay. Are you off work this week? You are? Well, I hope you have a good week off. Are you packing, getting sorted for the move, or are you just relaxing? What's your plan? Yeah. Oh, wow. Well, I'm very sorry I woke you up. You definitely deserve your sleep. I will let you go to have a bit of a rest. I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today. And we'll work out what we can do, and I'll make sure I follow-up with you. But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave. What's the date you're actually heading out to New Zealand? April 8. No worries at all. Okay. Buying in May. Perfect. Well, I'll try not to leave it at that long. I'll get on to everything. We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed. Okay? All good. That's okay, Casper. Thank you for taking my call. Again, I do apologize. It wasn't the best news today, but I just wanna be open and honest with you. I'd rather be honest with you and have you understand the full circumstances rather than lie and, you know, lead you on. You deserve nothing more than the truth. So I will get stuck into working at what we can do, and we'll let you know as soon as we can. We'll make it nice and timely so you're not left in limbo too long. And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well. Yeah. Thank you so much for your time, Casper. I will let you go to have a bit more of a rest. Enjoy your day, and I'm very sorry for waking you up. Thank you. I'll talk to you soon. See you later. 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Casper. This is Dana from Oakview Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yeah. I'm so sorry. I feel like I may have woken you up.\n\nNo. Oh, well, I'm very sorry if I woke you up. I do apologize. Do you have just a few minutes for a quick catch up now? Yeah.\n\nAll good. All good. Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely.\n\nAnd just to do security there with you, we are discussing your personal information. So just to confirm, your full name, your date of birth, and address I should have on file there for you. That's okay. You just check something out there, and I'll let you know if it's wrong. Let me double that's not the one I'm looking at, but that's okay.\n\nAnd I also have sorry. Sorry. Your other file here. Where is it? I'll just have a look.\n\nSorry. Back. Okay. So that's not the address I have on here. Is there another one that you might have?\n\nYeah. What where else have you resided in the past? Where else have you resided in the past? That's that's the one. Perfect.\n\nThat's the one I have here. I'm sorry. I didn't have the other ones previously noted. I do apologize about that. But that is the one we do have here.\n\nPerfect. And just your date of birth as well for me, please, Casper. So sorry. Beautiful. Lovely.\n\nThank you so much. So the 19 the The Quarter Street, that is where you are at the moment? Yep. Perfect. Well, that's the address we do currently have on file, so it's all up to date for you.\n\nOkay? Thank you for that. Sorry about the trouble. Kasper it's all good. Kasper, last time we did catch up, we did the annual review late last year, and we were looking at the insurance side of things.\n\nSo I know you did do a free assessment around about November with my team. We had sent those free assessments off to see how insurances might be assessed because you wanted to see if you could consolidate your ING into your net wealth and maybe have everything in one place. With having a look at what was disclosed, there was a few health conditions that have been disclosed. So certain things, I can give you a list of them. We had the bariatric surgery, the knee aspiration, the right broken thumb, the left broken collarbone, the skin cancer on the calf, the left shoulder ligament and muscle damage, and the right shoulder hyper, hyperextension, and then the mild depression and the appendix removal.\n\nSo there was quite a few things that have been disclosed, and we did send that off the to the pre assessment teams to see how they would assess things. The other thing you had disclosed was that you were planning to move back to New Zealand and leave Australia permanently as well. So in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you. Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on. So they the only provider that was willing to offer any kind of cover, unfortunately, was only offering ADL definition, which is, basically, you need to be unable to feed yourself, fade yourself, and close yourself.\n\nSo it's not a great definition. It's not something I would sort of like you to have. It does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running. Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for. The cover you have now gives you more eligibility to claim on.\n\nIt's a better product for you to be able to claim on. Does that make sense? Yeah. So it does mean we do have to retain that at the moment. I do wanna keep looking forward to seeing how things are going for you.\n\nOne of the things you did make mention to me was that you are wanting to move back to New Zealand. Do you have any idea of when you're wanting to do that, or is there a plan in place? Are you still thinking about it? Because when we spoke last year, you mentioned that you were wanting to move back to New Zealand. Yeah.\n\nIt it Yeah. It absolutely does. Okay. Because it absolutely does. So are you moving back permanently?\n\nBecause you mentioned that's what you were wanting to do. It's a bit cheaper living in New Zealand. Yeah. Yeah. Okay.\n\nOkay. So are you going to be living over there, or are you coming back? Is it just a holiday to New Zealand? Okay. Yeah.\n\nYeah. Yeah. Absolutely. And are you planning on doing any kind of work in New Zealand while you're there? Will you be earning any money whilst you're living over there or just coming back here to work and just working in Australia?\n\nOkay. Perfect. So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license. So what I do need to do is I do need to go and speak to our head of advice to find out put your circumstances out there that you'll be living in New Zealand and just flying back here to work every couple of weeks. You said you're working two weeks at a time.\n\nIs that right? Yeah. Perfect. I will just put this to our head of advice to find out what we are able to do moving forward. We can still do annual reviews for you, but I don't obviously want you to be paying for our services if we're not able to help you moving forward.\n\nSo it might be worth you moving back to ING and keeping everything in one place. So I will go back and speak to my head of advice and find out what our obligations are there and what we can do to help you, and then I will make time to email you or touch base. Are you better contacted via email at the moment, or is it best to give you a call? What would you prefer me to do to be able to touch base with your customer? No.\n\nThat's okay. Not a not a problem. Yes. Yeah. No.\n\nAbsolutely. Well, I could always send you an email with and then follow-up. Yeah. Yes. Well, it means that we may not be able to provide ongoing advice.\n\nSo, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by. And, essentially, if you're living in a different country, there are different taxation laws in different countries. So for us to provide advice here, we have to take into account the New Zealand taxation rules, and that can be quite conflicting. We don't know enough about the taxation rules. A lot of accounts here don't even understand the taxation rules in New Zealand.\n\nThey can be quite different. So there's a lot of conflicting information there. We'd have to take into account Australian taxation as well as New Zealand, which can be quite conflicting. If we get that wrong, it can place you in a negative position, so the advice may not be appropriate. So our licenses does not allow us to provide advice when you are living overseas, but it also comes down to the circumstances.\n\nSo if you are just residing over there and working over here, I might be able to confirm that we still can provide the advice. There might just be some stipulations around what that entails, and I just need to seek approval from our head of advice to find out what we are and are not able to do to help you. But I also don't wanna do anything that's gonna put you in a bad position, and it might be easier for you. I mean, you have your two super funds at the moment. So it might even be easier if we just move you back to I n g.\n\nYou have everything in one place. Your super stays where it is, and you have access to it in a lower cost fund. So I just need to find out what the stipulations are, what our requirements are, and what we can do to help you to make sure that we're putting your needs above that of everything else. Does that make sense? Yeah.\n\nI don't I know. I know. And, look, I will I wanna be able to help you moving forward, but I just need to make sure we're doing it in the right way as well. So it's not a no yet. It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further.\n\nIs that okay? Yeah. That's okay. We just don't wanna do anything that's gonna negatively impact you. You've worked really hard.\n\nYou're still working really hard, and you deserve the retirement you're after. So, we just need to make sure we're doing everything right. And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you. The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well. Because if you're living overseas and you can't claim on the insurance, is it actually worth having?\n\nSo I will do a bit more research around that for you as well. Is that okay? Yeah. No. That's okay.\n\nI just wanna make sure we're looking after you and putting your needs above that of our own is the most important part of our job. And I'm wanna be honest with you, if it's better for you to be in ING, we will tell you that. If we feel that we can still help you out, then we will definitely do that for you as well. I just need to find out what the stipulations are. Does that make sense?\n\nYeah. Perfect. I hope I can come back with some good news for you. And I'm sorry that we weren't able to get any new insurance as we did try really hard and fight the in insurers there. But is we wanna make sure that the products you have that you can actually claim on.\n\nThere's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries. And so it's important to make sure you are able to claim on the products you are paying more as well. Does that all help you a little bit? I'm so sorry it wasn't great news this morning, but I wanna go into that for you. Do you have any questions for me at the moment at all, Casa?\n\nNo? Yeah. That's okay. Well, what I will do next is I'll just go back. I'll speak to my head of advice.\n\nI'll find out what we wanna do. I'll put your circumstances out there and find out what we're able to do under the license, and then we will get probably an email drawn up, and then I'll follow-up with a conversation with you just to sort of see that you've got that, that you understand, and then we can look at what to do moving forward. I know last year, we did also talk about maybe updating your portfolio. And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided. Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day.\n\nOkay? No. That's okay. Are you off work this week? You are?\n\nWell, I hope you have a good week off. Are you packing, getting sorted for the move, or are you just relaxing? What's your plan? Yeah. Oh, wow.\n\nWell, I'm very sorry I woke you up. You definitely deserve your sleep. I will let you go to have a bit of a rest. I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today. And we'll work out what we can do, and I'll make sure I follow-up with you.\n\nBut I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave. What's the date you're actually heading out to New Zealand? April 8. No worries at all. Okay.\n\nBuying in May. Perfect. Well, I'll try not to leave it at that long. I'll get on to everything. We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed.\n\nOkay? All good. That's okay, Casper. Thank you for taking my call. Again, I do apologize.\n\nIt wasn't the best news today, but I just wanna be open and honest with you. I'd rather be honest with you and have you understand the full circumstances rather than lie and, you know, lead you on. You deserve nothing more than the truth. So I will get stuck into working at what we can do, and we'll let you know as soon as we can. We'll make it nice and timely so you're not left in limbo too long.\n\nAnd that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well. Yeah. Thank you so much for your time, Casper. I will let you go to have a bit more of a rest. Enjoy your day, and I'm very sorry for waking you up.\n\nThank you. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":5.8399997,"end":6.56,"sentiment":"neutral","sentiment_score":0.16002707183361053},{"text":"This is Dana from Oakview Financial.","start":6.56,"end":8.34,"sentiment":"neutral","sentiment_score":0.24057080099980035},{"text":"How are you this morning?","start":8.4,"end":9.54,"sentiment":"neutral","sentiment_score":0.3138758659362793},{"text":"I'm very well.","start":11.36,"end":12.24,"sentiment":"positive","sentiment_score":0.6490389307339987},{"text":"Thank you.","start":12.24,"end":12.559999,"sentiment":"positive","sentiment_score":0.7203886210918427}],"sentiment":"positive","sentiment_score":0.37337512854072785,"num_words":18,"start":5.8399997,"end":12.559999},{"sentences":[{"text":"I had you booked in for a bit of a catch up this morning.","start":12.559999,"end":14.799999,"sentiment":"positive","sentiment_score":0.3736124336719513},{"text":"Is now still a good time there for you?","start":14.799999,"end":17.765,"sentiment":"neutral","sentiment_score":0.2838904783129692},{"text":"Yeah.","start":18.345,"end":18.585,"sentiment":"neutral","sentiment_score":-0.001989150419831276},{"text":"I'm so sorry.","start":18.585,"end":19.225,"sentiment":"neutral","sentiment_score":-0.24077080686887106},{"text":"I feel like I may have woken you up.","start":19.225,"end":21.085,"sentiment":"negative","sentiment_score":-0.4187881218062507}],"sentiment":"neutral","sentiment_score":0.09144982524837057,"num_words":36,"start":12.559999,"end":21.085},{"sentences":[{"text":"No.","start":23.385,"end":23.885,"sentiment":"neutral","sentiment_score":-0.24271604418754575},{"text":"Oh, well, I'm very sorry if I woke you up.","start":25.945,"end":28.505,"sentiment":"neutral","sentiment_score":-0.17945022881031036},{"text":"I do apologize.","start":28.505,"end":29.325,"sentiment":"neutral","sentiment_score":-0.0912524734934171},{"text":"Do you have just a few minutes for a quick catch up now?","start":30.52,"end":33.98,"sentiment":"neutral","sentiment_score":-0.005744328579077354},{"text":"Yeah.","start":35.72,"end":36.12,"sentiment":"neutral","sentiment_score":0.21417157351970673}],"sentiment":"neutral","sentiment_score":-0.07755287324211427,"num_words":28,"start":23.385,"end":36.12},{"sentences":[{"text":"All good.","start":36.12,"end":36.6,"sentiment":"positive","sentiment_score":0.37710633873939514},{"text":"All good.","start":36.6,"end":37.08,"sentiment":"neutral","sentiment_score":0.3143860250711441},{"text":"Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes.","start":37.08,"end":42.7,"sentiment":"neutral","sentiment_score":0.06654659945231217},{"text":"Are you happy for me to proceed with that?","start":42.760002,"end":45.1,"sentiment":"neutral","sentiment_score":0.1161158283551534},{"text":"Lovely.","start":46.965,"end":47.365,"sentiment":"positive","sentiment_score":0.5568332672119141}],"sentiment":"neutral","sentiment_score":0.11787680089473725,"num_words":40,"start":36.12,"end":47.365},{"sentences":[{"text":"And just to do security there with you, we are discussing your personal information.","start":47.365,"end":50.805,"sentiment":"neutral","sentiment_score":0.19166949284928186},{"text":"So just to confirm, your full name, your date of birth, and address I should have on file there for you.","start":50.805,"end":55.385002,"sentiment":"neutral","sentiment_score":0.14305314918359122},{"text":"That's okay.","start":58.87,"end":59.51,"sentiment":"neutral","sentiment_score":0.013800058048218489},{"text":"You just check something out there, and I'll let you know if it's wrong.","start":59.51,"end":62.09,"sentiment":"neutral","sentiment_score":-0.015260724616902215},{"text":"Let me double that's not the one I'm looking at, but that's okay.","start":71.67,"end":75.415,"sentiment":"neutral","sentiment_score":-0.04991153684946207}],"sentiment":"neutral","sentiment_score":0.07582170351815876,"num_words":64,"start":47.365,"end":75.415},{"sentences":[{"text":"And I also have sorry.","start":75.415,"end":78.135,"sentiment":"neutral","sentiment_score":-0.0602522537112236},{"text":"Sorry.","start":78.135,"end":78.455,"sentiment":"neutral","sentiment_score":-0.08121231943368912},{"text":"Your other file here.","start":78.455,"end":79.915,"sentiment":"neutral","sentiment_score":-0.0714799351990223},{"text":"Where is it?","start":83.655,"end":84.555,"sentiment":"neutral","sentiment_score":-0.03746668870250384},{"text":"I'll just have a look.","start":88.854996,"end":90.08,"sentiment":"neutral","sentiment_score":-0.03489311784505844}],"sentiment":"neutral","sentiment_score":-0.05306994356215,"num_words":18,"start":75.415,"end":90.08},{"sentences":[{"text":"Sorry.","start":90.38,"end":90.7,"sentiment":"neutral","sentiment_score":-0.05136381834745407},{"text":"Back.","start":90.7,"end":91.2,"sentiment":"neutral","sentiment_score":-0.025769107043743137},{"text":"Okay.","start":93.5,"end":93.82,"sentiment":"neutral","sentiment_score":-0.02413897216320038},{"text":"So that's not the address I have on here.","start":93.82,"end":95.74,"sentiment":"neutral","sentiment_score":-0.05263695865869522},{"text":"Is there another one that you might have?","start":95.74,"end":97.6,"sentiment":"neutral","sentiment_score":-0.028210846474394202}],"sentiment":"neutral","sentiment_score":-0.04003456486389041,"num_words":20,"start":90.38,"end":97.6},{"sentences":[{"text":"Yeah.","start":112.395004,"end":112.895004,"sentiment":"neutral","sentiment_score":-0.019909458234906197},{"text":"What where else have you resided in the past?","start":113.275,"end":119.61,"sentiment":"neutral","sentiment_score":-0.028398289655645687},{"text":"Where else have you resided in the past?","start":122.090004,"end":124.03,"sentiment":"neutral","sentiment_score":-0.015507675823755562},{"text":"That's that's the one.","start":135.13,"end":137.015,"sentiment":"neutral","sentiment_score":0.0427709873765707},{"text":"Perfect.","start":137.31499,"end":137.81499,"sentiment":"neutral","sentiment_score":0.21933427453041077}],"sentiment":"neutral","sentiment_score":-0.0003972716386551442,"num_words":23,"start":112.395004,"end":137.81499},{"sentences":[{"text":"That's the one I have here.","start":138.75499,"end":139.95499,"sentiment":"neutral","sentiment_score":0.009811141217748323},{"text":"I'm sorry.","start":139.95499,"end":140.275,"sentiment":"neutral","sentiment_score":-0.07021491043269634},{"text":"I didn't have the other ones previously noted.","start":140.275,"end":142.275,"sentiment":"neutral","sentiment_score":-0.06883226428180933},{"text":"I do apologize about that.","start":142.275,"end":143.81499,"sentiment":"neutral","sentiment_score":-0.09129291474819183},{"text":"But that is the one we do have here.","start":143.875,"end":145.715,"sentiment":"neutral","sentiment_score":0.018457023426890373}],"sentiment":"neutral","sentiment_score":-0.030752415023744106,"num_words":30,"start":138.75499,"end":145.715},{"sentences":[{"text":"Perfect.","start":145.715,"end":146.215,"sentiment":"positive","sentiment_score":0.4695933163166046},{"text":"And just your date of birth as well for me, please, Casper.","start":146.915,"end":150.03499,"sentiment":"neutral","sentiment_score":0.09586032976706822},{"text":"So sorry.","start":150.03499,"end":150.775,"sentiment":"neutral","sentiment_score":0.010994395706802607},{"text":"Beautiful.","start":154.83,"end":155.33,"sentiment":"positive","sentiment_score":0.5535069704055786},{"text":"Lovely.","start":155.47,"end":155.79,"sentiment":"positive","sentiment_score":0.6411649584770203}],"sentiment":"neutral","sentiment_score":0.16685752904809573,"num_words":17,"start":145.715,"end":155.79},{"sentences":[{"text":"Thank you so much.","start":155.79,"end":156.51,"sentiment":"positive","sentiment_score":0.6585869789123535},{"text":"So the 19 the The Quarter Street, that is where you are at the moment?","start":156.51,"end":160.45,"sentiment":"neutral","sentiment_score":0.06270710205038389},{"text":"Yep.","start":161.79,"end":162.11,"sentiment":"neutral","sentiment_score":0.09130670875310898},{"text":"Perfect.","start":162.11,"end":162.51,"sentiment":"neutral","sentiment_score":0.2294884622097015},{"text":"Well, that's the address we do currently have on file, so it's all up to date for you.","start":162.51,"end":166.185,"sentiment":"neutral","sentiment_score":0.1455871504214075}],"sentiment":"neutral","sentiment_score":0.16708508525521326,"num_words":39,"start":155.79,"end":166.185},{"sentences":[{"text":"Okay?","start":166.185,"end":166.685,"sentiment":"neutral","sentiment_score":0.11622591316699982},{"text":"Thank you for that.","start":166.985,"end":167.945,"sentiment":"positive","sentiment_score":0.3777412474155426},{"text":"Sorry about the trouble.","start":167.945,"end":169.085,"sentiment":"neutral","sentiment_score":-0.11574707180261612},{"text":"Kasper it's all good.","start":169.865,"end":172.045,"sentiment":"neutral","sentiment_score":0.3181169033050537},{"text":"Kasper, last time we did catch up, we did the annual review late last year, and we were looking at the insurance side of things.","start":172.265,"end":177.225,"sentiment":"neutral","sentiment_score":0.010134363174438476}],"sentiment":"neutral","sentiment_score":0.07079024495262849,"num_words":38,"start":166.185,"end":177.225},{"sentences":[{"text":"So I know you did do a free assessment around about November with my team.","start":177.225,"end":180.845,"sentiment":"neutral","sentiment_score":0.0175963227947553},{"text":"We had sent those free assessments off to see how insurances might be assessed because you wanted to see if you could consolidate your ING into your net wealth and maybe have everything in one place.","start":181.29999,"end":191.64,"sentiment":"neutral","sentiment_score":0.01908840114871661},{"text":"With having a look at what was disclosed, there was a few health conditions that have been disclosed.","start":192.34,"end":198.035,"sentiment":"neutral","sentiment_score":-0.07462748864458667},{"text":"So certain things, I can give you a list of them.","start":198.035,"end":201.175,"sentiment":"neutral","sentiment_score":-0.03620505773208358},{"text":"We had the bariatric surgery, the knee aspiration, the right broken thumb, the left broken collarbone, the skin cancer on the calf, the left shoulder ligament and muscle damage, and the right shoulder hyper, hyperextension, and then the mild depression and the appendix removal.","start":202.595,"end":218.8,"sentiment":"neutral","sentiment_score":-0.05449197140776298}],"sentiment":"neutral","sentiment_score":-0.025710241042918736,"num_words":124,"start":177.225,"end":218.8},{"sentences":[{"text":"So there was quite a few things that have been disclosed, and we did send that off the to the pre assessment teams to see how they would assess things.","start":218.8,"end":226.155,"sentiment":"neutral","sentiment_score":-0.04254124375681082},{"text":"The other thing you had disclosed was that you were planning to move back to New Zealand and leave Australia permanently as well.","start":226.535,"end":233.015,"sentiment":"neutral","sentiment_score":-0.12481149415607037},{"text":"So in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you.","start":233.015,"end":239.755,"sentiment":"neutral","sentiment_score":-0.3094089156702945},{"text":"Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on.","start":240.18999,"end":249.06999,"sentiment":"neutral","sentiment_score":-0.26652340218424797},{"text":"So they the only provider that was willing to offer any kind of cover, unfortunately, was only offering ADL definition, which is, basically, you need to be unable to feed yourself, fade yourself, and close yourself.","start":249.06999,"end":262.425,"sentiment":"neutral","sentiment_score":-0.30077978120081955}],"sentiment":"neutral","sentiment_score":-0.2082088122089558,"num_words":136,"start":218.8,"end":262.425},{"sentences":[{"text":"So it's not a great definition.","start":262.425,"end":263.865,"sentiment":"negative","sentiment_score":-0.5232582787672678},{"text":"It's not something I would sort of like you to have.","start":263.865,"end":266.20502,"sentiment":"negative","sentiment_score":-0.5665459524501454},{"text":"It does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running.","start":267.63,"end":276.44998,"sentiment":"negative","sentiment_score":-0.4835785742728941},{"text":"Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for.","start":277.31,"end":284.105,"sentiment":"neutral","sentiment_score":-0.13083971919197784},{"text":"The cover you have now gives you more eligibility to claim on.","start":284.245,"end":287.925,"sentiment":"neutral","sentiment_score":0.2503442404170831}],"sentiment":"neutral","sentiment_score":-0.3018267687551583,"num_words":79,"start":262.425,"end":287.925},{"sentences":[{"text":"It's a better product for you to be able to claim on.","start":287.925,"end":290.565,"sentiment":"neutral","sentiment_score":0.2258075593660275},{"text":"Does that make sense?","start":290.565,"end":291.625,"sentiment":"neutral","sentiment_score":0.09432551823556423},{"text":"Yeah.","start":293.04498,"end":293.525,"sentiment":"neutral","sentiment_score":0.29930800199508667},{"text":"So it does mean we do have to retain that at the moment.","start":293.525,"end":296.03,"sentiment":"neutral","sentiment_score":0.2591455842439945},{"text":"I do wanna keep looking forward to seeing how things are going for you.","start":296.03,"end":299.72998,"sentiment":"positive","sentiment_score":0.6343619653156826}],"sentiment":"positive","sentiment_score":0.3553695658391172,"num_words":44,"start":287.925,"end":299.72998},{"sentences":[{"text":"One of the things you did make mention to me was that you are wanting to move back to New Zealand.","start":299.94998,"end":304.83,"sentiment":"neutral","sentiment_score":0.09782068253982634},{"text":"Do you have any idea of when you're wanting to do that, or is there a plan in place?","start":304.83,"end":308.99,"sentiment":"neutral","sentiment_score":0.029162116446777395},{"text":"Are you still thinking about it?","start":308.99,"end":310.725,"sentiment":"neutral","sentiment_score":-0.006290921630958716},{"text":"Because when we spoke last year, you mentioned that you were wanting to move back to New Zealand.","start":314.325,"end":318.98502,"sentiment":"neutral","sentiment_score":-0.004865497143732177},{"text":"Yeah.","start":325.845,"end":326.25,"sentiment":"neutral","sentiment_score":-0.06377758085727692}],"sentiment":"neutral","sentiment_score":0.03721865363992177,"num_words":65,"start":299.94998,"end":326.25},{"sentences":[{"text":"It it Yeah.","start":328.41,"end":330.25,"sentiment":"neutral","sentiment_score":-0.003249215272565683},{"text":"It absolutely does.","start":330.25,"end":331.63,"sentiment":"neutral","sentiment_score":0.05780793105562528},{"text":"Okay.","start":333.45,"end":333.77,"sentiment":"neutral","sentiment_score":0.06232195720076561},{"text":"Because it absolutely does.","start":333.77,"end":335.37,"sentiment":"neutral","sentiment_score":0.10389857646077871},{"text":"So are you moving back permanently?","start":335.37,"end":337.71,"sentiment":"neutral","sentiment_score":0.005503338140745957}],"sentiment":"neutral","sentiment_score":0.03968308466103147,"num_words":17,"start":328.41,"end":337.71},{"sentences":[{"text":"Because you mentioned that's what you were wanting to do.","start":337.93,"end":339.69,"sentiment":"neutral","sentiment_score":-0.004241512063890696},{"text":"It's a bit cheaper living in New Zealand.","start":339.69,"end":341.625,"sentiment":"neutral","sentiment_score":-0.04278025962412357},{"text":"Yeah.","start":351.705,"end":352.205,"sentiment":"neutral","sentiment_score":0.02708721160888672},{"text":"Yeah.","start":353.625,"end":354.125,"sentiment":"neutral","sentiment_score":0.045757364481687546},{"text":"Okay.","start":357.59998,"end":358.09998,"sentiment":"neutral","sentiment_score":0.026902299374341965}],"sentiment":"neutral","sentiment_score":-0.013567158198427586,"num_words":21,"start":337.93,"end":358.09998},{"sentences":[{"text":"Okay.","start":363.19998,"end":363.69998,"sentiment":"neutral","sentiment_score":0.01764305680990219},{"text":"So are you going to be living over there, or are you coming back?","start":363.84,"end":367.19998,"sentiment":"neutral","sentiment_score":-0.0050154755424175945},{"text":"Is it just a holiday to New Zealand?","start":367.19998,"end":368.97998,"sentiment":"neutral","sentiment_score":-0.016975222970359027},{"text":"Okay.","start":379.095,"end":379.595,"sentiment":"neutral","sentiment_score":-0.02025243639945984},{"text":"Yeah.","start":381.015,"end":381.51,"sentiment":"neutral","sentiment_score":-0.05391202121973038}],"sentiment":"neutral","sentiment_score":-0.010501593686640262,"num_words":25,"start":363.19998,"end":381.51},{"sentences":[{"text":"Yeah.","start":384.63,"end":385.13,"sentiment":"neutral","sentiment_score":0.02031669393181801},{"text":"Yeah.","start":390.95,"end":391.45,"sentiment":"neutral","sentiment_score":0.04345027357339859},{"text":"Absolutely.","start":393.19,"end":393.69,"sentiment":"neutral","sentiment_score":0.3092193007469177},{"text":"And are you planning on doing any kind of work in New Zealand while you're there?","start":394.15002,"end":398.285,"sentiment":"neutral","sentiment_score":0.18189351679757237},{"text":"Will you be earning any money whilst you're living over there or just coming back here to work and just working in Australia?","start":398.285,"end":403.985,"sentiment":"neutral","sentiment_score":0.10598890936892966}],"sentiment":"neutral","sentiment_score":0.13621493934520654,"num_words":42,"start":384.63,"end":403.985},{"sentences":[{"text":"Okay.","start":407.005,"end":407.485,"sentiment":"neutral","sentiment_score":0.2565363049507141},{"text":"Perfect.","start":407.485,"end":407.985,"sentiment":"positive","sentiment_score":0.4728275537490845},{"text":"So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license.","start":408.44998,"end":425.01498,"sentiment":"neutral","sentiment_score":-0.20768023588295495},{"text":"So what I do need to do is I do need to go and speak to our head of advice to find out put your circumstances out there that you'll be living in New Zealand and just flying back here to work every couple of weeks.","start":425.01498,"end":435.995,"sentiment":"neutral","sentiment_score":-0.03432036231717338},{"text":"You said you're working two weeks at a time.","start":436.59,"end":438.99,"sentiment":"neutral","sentiment_score":-0.025511589522163074}],"sentiment":"neutral","sentiment_score":-0.112469648876417,"num_words":113,"start":407.005,"end":438.99},{"sentences":[{"text":"Is that right?","start":438.99,"end":439.81,"sentiment":"neutral","sentiment_score":0.019170510893066723},{"text":"Yeah.","start":441.46997,"end":441.94998,"sentiment":"neutral","sentiment_score":0.12534238398075104},{"text":"Perfect.","start":441.94998,"end":442.44998,"sentiment":"positive","sentiment_score":0.4388845562934875},{"text":"I will just put this to our head of advice to find out what we are able to do moving forward.","start":443.06998,"end":447.56998,"sentiment":"neutral","sentiment_score":0.304245542202677},{"text":"We can still do annual reviews for you, but I don't obviously want you to be paying for our services if we're not able to help you moving forward.","start":447.78998,"end":454.085,"sentiment":"neutral","sentiment_score":-0.01442087223303729}],"sentiment":"neutral","sentiment_score":0.11986708299002864,"num_words":55,"start":438.99,"end":454.085},{"sentences":[{"text":"So it might be worth you moving back to ING and keeping everything in one place.","start":454.085,"end":459.125,"sentiment":"neutral","sentiment_score":0.17766162008047104},{"text":"So I will go back and speak to my head of advice and find out what our obligations are there and what we can do to help you, and then I will make time to email you or touch base.","start":459.125,"end":468.72,"sentiment":"neutral","sentiment_score":0.15807929411530494},{"text":"Are you better contacted via email at the moment, or is it best to give you a call?","start":468.72,"end":473.91998,"sentiment":"neutral","sentiment_score":0.015330017233888308},{"text":"What would you prefer me to do to be able to touch base with your customer?","start":473.91998,"end":477.38,"sentiment":"neutral","sentiment_score":0.002713975729420781},{"text":"No.","start":483.255,"end":483.495,"sentiment":"neutral","sentiment_score":-0.13204562664031982}],"sentiment":"neutral","sentiment_score":0.1027810547378037,"num_words":91,"start":454.085,"end":483.495},{"sentences":[{"text":"That's okay.","start":483.495,"end":484.29498,"sentiment":"neutral","sentiment_score":-0.06854298152029514},{"text":"Not a not a problem.","start":484.29498,"end":485.675,"sentiment":"neutral","sentiment_score":-0.11609597057104111},{"text":"Yes.","start":487.975,"end":488.475,"sentiment":"neutral","sentiment_score":0.03078250028192997},{"text":"Yeah.","start":490.215,"end":490.695,"sentiment":"neutral","sentiment_score":-0.0011637192219495771},{"text":"No.","start":490.695,"end":491.195,"sentiment":"neutral","sentiment_score":-0.04276765137910843}],"sentiment":"neutral","sentiment_score":-0.07307146862149239,"num_words":10,"start":483.495,"end":491.195},{"sentences":[{"text":"Absolutely.","start":491.415,"end":491.915,"sentiment":"neutral","sentiment_score":0.04308342561125755},{"text":"Well, I could always send you an email with and then follow-up.","start":492.135,"end":494.715,"sentiment":"neutral","sentiment_score":0.0539365589308242},{"text":"Yeah.","start":495.23,"end":495.73,"sentiment":"neutral","sentiment_score":0.001457788748666644},{"text":"Yes.","start":498.43,"end":498.93,"sentiment":"neutral","sentiment_score":0.003674247767776251},{"text":"Well, it means that we may not be able to provide ongoing advice.","start":502.83002,"end":506.29,"sentiment":"neutral","sentiment_score":-0.11399742387808286}],"sentiment":"neutral","sentiment_score":-0.028089726468481655,"num_words":28,"start":491.415,"end":506.29},{"sentences":[{"text":"So, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by.","start":506.35,"end":514.34503,"sentiment":"neutral","sentiment_score":-0.02632610982766858},{"text":"And, essentially, if you're living in a different country, there are different taxation laws in different countries.","start":514.645,"end":520.665,"sentiment":"neutral","sentiment_score":-0.07695864382035592},{"text":"So for us to provide advice here, we have to take into account the New Zealand taxation rules, and that can be quite conflicting.","start":520.885,"end":528.89,"sentiment":"neutral","sentiment_score":-0.14638302909831205},{"text":"We don't know enough about the taxation rules.","start":528.95,"end":531.45,"sentiment":"neutral","sentiment_score":-0.2627918906509876},{"text":"A lot of accounts here don't even understand the taxation rules in New Zealand.","start":531.75,"end":535.19,"sentiment":"neutral","sentiment_score":-0.24158361979893275}],"sentiment":"neutral","sentiment_score":-0.12240889345606168,"num_words":90,"start":506.35,"end":535.19},{"sentences":[{"text":"They can be quite different.","start":535.19,"end":536.39,"sentiment":"neutral","sentiment_score":-0.17178300619125367},{"text":"So there's a lot of conflicting information there.","start":536.39,"end":539.09503,"sentiment":"neutral","sentiment_score":-0.272792287170887},{"text":"We'd have to take into account Australian taxation as well as New Zealand, which can be quite conflicting.","start":539.09503,"end":543.995,"sentiment":"neutral","sentiment_score":-0.24006988687647712},{"text":"If we get that wrong, it can place you in a negative position, so the advice may not be appropriate.","start":544.455,"end":549.11505,"sentiment":"negative","sentiment_score":-0.44220544695854186},{"text":"So our licenses does not allow us to provide advice when you are living overseas, but it also comes down to the circumstances.","start":549.335,"end":556.84,"sentiment":"neutral","sentiment_score":-0.09649167566195778}],"sentiment":"neutral","sentiment_score":-0.2489990374526462,"num_words":74,"start":535.19,"end":556.84},{"sentences":[{"text":"So if you are just residing over there and working over here, I might be able to confirm that we still can provide the advice.","start":557.14,"end":563.06006,"sentiment":"neutral","sentiment_score":0.03502093881368637},{"text":"There might just be some stipulations around what that entails, and I just need to seek approval from our head of advice to find out what we are and are not able to do to help you.","start":563.06006,"end":573.305,"sentiment":"neutral","sentiment_score":-0.022496548456114693},{"text":"But I also don't wanna do anything that's gonna put you in a bad position, and it might be easier for you.","start":573.685,"end":578.40497,"sentiment":"neutral","sentiment_score":-0.06348519524644045},{"text":"I mean, you have your two super funds at the moment.","start":578.40497,"end":580.805,"sentiment":"neutral","sentiment_score":0.1981428252025084},{"text":"So it might even be easier if we just move you back to I n g.","start":580.805,"end":584.5,"sentiment":"neutral","sentiment_score":0.17857476696372032}],"sentiment":"neutral","sentiment_score":0.03318238045667877,"num_words":111,"start":557.14,"end":584.5},{"sentences":[{"text":"You have everything in one place.","start":584.5,"end":586.33997,"sentiment":"neutral","sentiment_score":0.22477328280607858},{"text":"Your super stays where it is, and you have access to it in a lower cost fund.","start":586.33997,"end":590.81995,"sentiment":"neutral","sentiment_score":0.24506575745694778},{"text":"So I just need to find out what the stipulations are, what our requirements are, and what we can do to help you to make sure that we're putting your needs above that of everything else.","start":590.81995,"end":601.20496,"sentiment":"neutral","sentiment_score":0.15236591392507157},{"text":"Does that make sense?","start":601.20496,"end":602.345,"sentiment":"neutral","sentiment_score":0.07011144561693072},{"text":"Yeah.","start":603.685,"end":604.185,"sentiment":"neutral","sentiment_score":-0.04272281378507614}],"sentiment":"neutral","sentiment_score":0.17558833505609073,"num_words":64,"start":584.5,"end":604.185},{"sentences":[{"text":"I don't I know.","start":604.40497,"end":606.96497,"sentiment":"negative","sentiment_score":-0.3986998423933983},{"text":"I know.","start":606.96497,"end":607.365,"sentiment":"neutral","sentiment_score":-0.12406399846076965},{"text":"And, look, I will I wanna be able to help you moving forward, but I just need to make sure we're doing it in the right way as well.","start":607.365,"end":613.56,"sentiment":"neutral","sentiment_score":0.26743164992537993},{"text":"So it's not a no yet.","start":613.56,"end":615.4,"sentiment":"neutral","sentiment_score":0.10901723926266034},{"text":"It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further.","start":615.4,"end":621.96,"sentiment":"neutral","sentiment_score":0.14643001721964943}],"sentiment":"neutral","sentiment_score":0.15471035855657914,"num_words":68,"start":604.40497,"end":621.96},{"sentences":[{"text":"Is that okay?","start":621.96,"end":622.78,"sentiment":"neutral","sentiment_score":0.12786279867092767},{"text":"Yeah.","start":624.565,"end":624.965,"sentiment":"neutral","sentiment_score":0.21886903047561648},{"text":"That's okay.","start":624.965,"end":625.685,"sentiment":"neutral","sentiment_score":0.18501311540603638},{"text":"We just don't wanna do anything that's gonna negatively impact you.","start":625.685,"end":628.48505,"sentiment":"neutral","sentiment_score":-0.19013691625811838},{"text":"You've worked really hard.","start":628.48505,"end":629.60504,"sentiment":"neutral","sentiment_score":-0.08554909378290176}],"sentiment":"neutral","sentiment_score":-0.06958184746049699,"num_words":21,"start":621.96,"end":629.60504},{"sentences":[{"text":"You're still working really hard, and you deserve the retirement you're after.","start":629.60504,"end":634.005,"sentiment":"neutral","sentiment_score":0.2872602306306362},{"text":"So, we just need to make sure we're doing everything right.","start":634.005,"end":637.30505,"sentiment":"neutral","sentiment_score":0.17747221887111664},{"text":"And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you.","start":637.75,"end":646.41,"sentiment":"neutral","sentiment_score":0.30279528391030097},{"text":"The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well.","start":646.63,"end":662.815,"sentiment":"neutral","sentiment_score":0.06448047693376824},{"text":"Because if you're living overseas and you can't claim on the insurance, is it actually worth having?","start":662.815,"end":668.06,"sentiment":"neutral","sentiment_score":-0.03404677768840509}],"sentiment":"neutral","sentiment_score":0.14463333566155698,"num_words":135,"start":629.60504,"end":668.06},{"sentences":[{"text":"So I will do a bit more research around that for you as well.","start":668.92004,"end":672.60004,"sentiment":"neutral","sentiment_score":0.023537720952715193},{"text":"Is that okay?","start":672.60004,"end":673.58,"sentiment":"neutral","sentiment_score":0.07080735266208649},{"text":"Yeah.","start":675.16003,"end":675.56,"sentiment":"neutral","sentiment_score":0.07275718450546265},{"text":"No.","start":675.56,"end":675.8,"sentiment":"neutral","sentiment_score":-0.004318114370107651},{"text":"That's okay.","start":675.8,"end":676.60004,"sentiment":"neutral","sentiment_score":0.03757643885910511}],"sentiment":"neutral","sentiment_score":0.0326448618656113,"num_words":21,"start":668.92004,"end":676.60004},{"sentences":[{"text":"I just wanna make sure we're looking after you and putting your needs above that of our own is the most important part of our job.","start":676.60004,"end":682.995,"sentiment":"neutral","sentiment_score":0.18605624769742674},{"text":"And I'm wanna be honest with you, if it's better for you to be in ING, we will tell you that.","start":683.475,"end":689.015,"sentiment":"neutral","sentiment_score":0.08141229360730254},{"text":"If we feel that we can still help you out, then we will definitely do that for you as well.","start":689.395,"end":693.955,"sentiment":"neutral","sentiment_score":0.2851015880703926},{"text":"I just need to find out what the stipulations are.","start":693.955,"end":696.94,"sentiment":"neutral","sentiment_score":0.031185300461947917},{"text":"Does that make sense?","start":696.94,"end":698.0,"sentiment":"neutral","sentiment_score":0.030280460137873888}],"sentiment":"neutral","sentiment_score":0.15656947175883057,"num_words":81,"start":676.60004,"end":698.0},{"sentences":[{"text":"Yeah.","start":699.34,"end":699.84,"sentiment":"neutral","sentiment_score":0.1730113923549652},{"text":"Perfect.","start":699.98004,"end":700.46,"sentiment":"positive","sentiment_score":0.39605891704559326},{"text":"I hope I can come back with some good news for you.","start":700.46,"end":702.78,"sentiment":"positive","sentiment_score":0.35946744680404663},{"text":"And I'm sorry that we weren't able to get any new insurance as we did try really hard and fight the in insurers there.","start":702.78,"end":709.02,"sentiment":"neutral","sentiment_score":-0.21339017245918512},{"text":"But is we wanna make sure that the products you have that you can actually claim on.","start":709.02,"end":712.835,"sentiment":"neutral","sentiment_score":0.20854077137568416}],"sentiment":"neutral","sentiment_score":0.06011833900755102,"num_words":55,"start":699.34,"end":712.835},{"sentences":[{"text":"There's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries.","start":712.835,"end":726.2,"sentiment":"neutral","sentiment_score":-0.03215431990696395},{"text":"And so it's important to make sure you are able to claim on the products you are paying more as well.","start":726.2,"end":731.16,"sentiment":"positive","sentiment_score":0.3695184510378611},{"text":"Does that all help you a little bit?","start":731.16,"end":732.76,"sentiment":"neutral","sentiment_score":0.30885346978902817},{"text":"I'm so sorry it wasn't great news this morning, but I wanna go into that for you.","start":732.76,"end":738.345,"sentiment":"neutral","sentiment_score":0.00009939304607755998},{"text":"Do you have any questions for me at the moment at all, Casa?","start":738.345,"end":742.045,"sentiment":"neutral","sentiment_score":0.0006963369938043448}],"sentiment":"neutral","sentiment_score":0.08236041752059224,"num_words":106,"start":712.835,"end":742.045},{"sentences":[{"text":"No?","start":742.505,"end":743.005,"sentiment":"neutral","sentiment_score":-0.05580652132630348},{"text":"Yeah.","start":744.745,"end":745.225,"sentiment":"neutral","sentiment_score":0.20113681256771088},{"text":"That's okay.","start":745.225,"end":745.865,"sentiment":"neutral","sentiment_score":0.23714971542358398},{"text":"Well, what I will do next is I'll just go back.","start":745.865,"end":747.945,"sentiment":"neutral","sentiment_score":0.14366701380773025},{"text":"I'll speak to my head of advice.","start":747.945,"end":749.46497,"sentiment":"neutral","sentiment_score":0.1330069825053215}],"sentiment":"neutral","sentiment_score":0.1423188977959481,"num_words":22,"start":742.505,"end":749.46497},{"sentences":[{"text":"I'll find out what we wanna do.","start":749.46497,"end":750.825,"sentiment":"neutral","sentiment_score":0.17005086370876857},{"text":"I'll put your circumstances out there and find out what we're able to do under the license, and then we will get probably an email drawn up, and then I'll follow-up with a conversation with you just to sort of see that you've got that, that you understand, and then we can look at what to do moving forward.","start":750.825,"end":765.82,"sentiment":"neutral","sentiment_score":0.20395482419911076},{"text":"I know last year, we did also talk about maybe updating your portfolio.","start":765.935,"end":769.39496,"sentiment":"neutral","sentiment_score":0.23221058455797342},{"text":"And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided.","start":769.695,"end":777.235,"sentiment":"positive","sentiment_score":0.4205819995238863},{"text":"Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day.","start":777.295,"end":782.75,"sentiment":"positive","sentiment_score":0.4028405357490886}],"sentiment":"neutral","sentiment_score":0.28693690804334787,"num_words":130,"start":749.46497,"end":782.75},{"sentences":[{"text":"Okay?","start":782.75,"end":783.25,"sentiment":"neutral","sentiment_score":0.13286326825618744},{"text":"No.","start":785.39,"end":785.63,"sentiment":"neutral","sentiment_score":-0.09304150938987732},{"text":"That's okay.","start":785.63,"end":786.43005,"sentiment":"neutral","sentiment_score":-0.08760872110724449},{"text":"Are you off work this week?","start":786.43005,"end":788.21,"sentiment":"neutral","sentiment_score":-0.08271930987636249},{"text":"You are?","start":789.87006,"end":790.43005,"sentiment":"neutral","sentiment_score":0.008321776986122131}],"sentiment":"neutral","sentiment_score":-0.051255665719509125,"num_words":12,"start":782.75,"end":790.43005},{"sentences":[{"text":"Well, I hope you have a good week off.","start":790.43005,"end":792.59,"sentiment":"neutral","sentiment_score":0.20208041701051924},{"text":"Are you packing, getting sorted for the move, or are you just relaxing?","start":792.59,"end":797.47504,"sentiment":"neutral","sentiment_score":0.08548047852057677},{"text":"What's your plan?","start":797.53503,"end":798.59503,"sentiment":"neutral","sentiment_score":0.05609201888243357},{"text":"Yeah.","start":799.53503,"end":800.03503,"sentiment":"neutral","sentiment_score":0.07500457763671875},{"text":"Oh, wow.","start":805.47,"end":807.55,"sentiment":"neutral","sentiment_score":0.06890610978007317}],"sentiment":"neutral","sentiment_score":0.11825224384665489,"num_words":28,"start":790.43005,"end":807.55},{"sentences":[{"text":"Well, I'm very sorry I woke you up.","start":807.55,"end":809.38995,"sentiment":"negative","sentiment_score":-0.334973671939224},{"text":"You definitely deserve your sleep.","start":809.38995,"end":811.08997,"sentiment":"positive","sentiment_score":0.4205351710319519},{"text":"I will let you go to have a bit of a rest.","start":811.47,"end":813.70996,"sentiment":"positive","sentiment_score":0.3666309143106143},{"text":"I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today.","start":813.70996,"end":822.98505,"sentiment":"neutral","sentiment_score":0.195956990999334},{"text":"And we'll work out what we can do, and I'll make sure I follow-up with you.","start":823.525,"end":826.72504,"sentiment":"neutral","sentiment_score":0.1925006415694952}],"sentiment":"neutral","sentiment_score":0.18086673880616824,"num_words":75,"start":807.55,"end":826.72504},{"sentences":[{"text":"But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave.","start":826.72504,"end":833.445,"sentiment":"neutral","sentiment_score":0.2949477709505869},{"text":"What's the date you're actually heading out to New Zealand?","start":833.445,"end":836.4,"sentiment":"neutral","sentiment_score":0.02689525466412306},{"text":"April 8.","start":850.52496,"end":851.345,"sentiment":"neutral","sentiment_score":0.008096994832158089},{"text":"No worries at all.","start":851.805,"end":853.265,"sentiment":"neutral","sentiment_score":-0.03511848393827677},{"text":"Okay.","start":865.92,"end":866.42,"sentiment":"neutral","sentiment_score":0.027135364711284637}],"sentiment":"neutral","sentiment_score":0.1738901674281806,"num_words":40,"start":826.72504,"end":866.42},{"sentences":[{"text":"Buying in May.","start":867.68,"end":868.56,"sentiment":"neutral","sentiment_score":0.05553629249334335},{"text":"Perfect.","start":868.56,"end":868.88,"sentiment":"positive","sentiment_score":0.3640625476837158},{"text":"Well, I'll try not to leave it at that long.","start":868.88,"end":870.89996,"sentiment":"neutral","sentiment_score":0.06732404865324497},{"text":"I'll get on to everything.","start":871.04,"end":872.32,"sentiment":"neutral","sentiment_score":0.1505696088075638},{"text":"We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed.","start":872.32,"end":878.18,"sentiment":"neutral","sentiment_score":0.17575549830993017}],"sentiment":"neutral","sentiment_score":0.14569909587178542,"num_words":46,"start":867.68,"end":878.18},{"sentences":[{"text":"Okay?","start":878.39996,"end":878.89996,"sentiment":"neutral","sentiment_score":0.07564647495746613},{"text":"All good.","start":881.30505,"end":882.10504,"sentiment":"neutral","sentiment_score":0.30145256221294403},{"text":"That's okay, Casper.","start":882.10504,"end":883.385,"sentiment":"neutral","sentiment_score":0.3230915566285451},{"text":"Thank you for taking my call.","start":883.385,"end":884.66504,"sentiment":"positive","sentiment_score":0.4433777332305908},{"text":"Again, I do apologize.","start":884.66504,"end":885.78503,"sentiment":"neutral","sentiment_score":-0.05568584892898798}],"sentiment":"neutral","sentiment_score":0.2553343295585364,"num_words":16,"start":878.39996,"end":885.78503},{"sentences":[{"text":"It wasn't the best news today, but I just wanna be open and honest with you.","start":885.78503,"end":889.54504,"sentiment":"neutral","sentiment_score":-0.003428701311349868},{"text":"I'd rather be honest with you and have you understand the full circumstances rather than lie and, you know, lead you on.","start":889.54504,"end":895.65,"sentiment":"neutral","sentiment_score":0.08485927568240599},{"text":"You deserve nothing more than the truth.","start":895.73004,"end":897.49005,"sentiment":"neutral","sentiment_score":0.15539653386388505},{"text":"So I will get stuck into working at what we can do, and we'll let you know as soon as we can.","start":897.49005,"end":903.51,"sentiment":"neutral","sentiment_score":0.24357065897096286},{"text":"We'll make it nice and timely so you're not left in limbo too long.","start":903.57,"end":906.93005,"sentiment":"positive","sentiment_score":0.3602411576679775}],"sentiment":"neutral","sentiment_score":0.164219151676437,"num_words":81,"start":885.78503,"end":906.93005},{"sentences":[{"text":"And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well.","start":906.93005,"end":913.495,"sentiment":"positive","sentiment_score":0.35528978137742906},{"text":"Yeah.","start":915.635,"end":916.115,"sentiment":"neutral","sentiment_score":0.23967218399047852},{"text":"Thank you so much for your time, Casper.","start":916.115,"end":917.875,"sentiment":"positive","sentiment_score":0.5255282558500767},{"text":"I will let you go to have a bit more of a rest.","start":917.875,"end":920.195,"sentiment":"positive","sentiment_score":0.40335870018372166},{"text":"Enjoy your day, and I'm very sorry for waking you up.","start":920.195,"end":923.33496,"sentiment":"neutral","sentiment_score":-0.09223696860400113}],"sentiment":"neutral","sentiment_score":0.2987785201381754,"num_words":54,"start":906.93005,"end":923.33496},{"sentences":[{"text":"Thank you.","start":925.43896,"end":925.99896,"sentiment":"positive","sentiment_score":0.8263964653015137},{"text":"I'll talk to you soon.","start":925.99896,"end":927.03894,"sentiment":"positive","sentiment_score":0.5491201341152191},{"text":"See you later.","start":927.03894,"end":927.85895,"sentiment":"positive","sentiment_score":0.4138398269812266},{"text":"Bye.","start":928.55896,"end":929.05896,"sentiment":"neutral","sentiment_score":-0.1116228923201561}],"sentiment":"positive","sentiment_score":0.5025718354366042,"num_words":11,"start":925.43896,"end":929.05896}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yourself? Yeah. That's fine. No. No. I forgot to shake by alarm. That's why. Yeah. That's fine. Yeah. It's all good. Oh, I don't know which one you're wearing on file. 40 Burke Street, Pickett in Calgary, W 030. Is that the right one? 40 Burke Street. If it's not that, it could be 139 A Street. It's not that. It could be something else. Yeah. I'm not sure if it is. Sorry. Say again? Give me a time, I I can tell you. At least I changed my address to 19 The Carter Street, Alconos, which is what it's currently. Okay. 05/22/1977. Yeah. Yep. Yep. Okay. Why is that? Yeah. Yeah. No. I'm just kinda so why are you asking me? What is is that gonna affect anything of me doing that with with my my my options? So I put a bit I'm moving the the beginning of April. Yeah. I'm not really cheap at the moment, but no. So so I'm gonna do two on one from Brisbane, but I'm paying my own flight to New Zealand, me and my wife. And then, yeah, we'll go to New Zealand for the week. Come back. Apply the WA. Work for two weeks and yeah. No. Well, we're gonna be it's sort of hard because we're gonna be living over there, but we're gonna be living there for a week, and then we're gonna work in Australia for two weeks. So so it's not like it's it's a permanent move, but it's not, if you know what I mean. Because we're actually working in Australia, and it's like going overseas every week every three weeks. Yes. Coming back here to work. Yeah. Yeah. I suppose well, both. I'm very bad at reading emails. But but I do like I do like, you know, something in writing is always better. Yeah. No. So so what you're saying is if if I live if I live in New Zealand and I work in Australia, does that mean I have to change my super with you guys? Alright. Yeah. Yeah. That's a little disappointing. Yeah. All good. Thank you. Yeah. Alright. Yeah. That's fine. Thank you. Yep. Yeah. It's fine. Yeah. No. That's fine. No. No. That's all. No. All good. Thank you. Alrighty. Thank you. I appreciate that. Yes. I am. Yes. Yes. Yeah. We yeah. It's starting today. We just flew in yesterday morning. So, yeah, we're starting today. Starting to sort things out. Good. Well, we're starting to fly in and out from Brisbane the April 8. Yeah. So we potentially won't be because we'll have to sort a car and everything else. So we potentially won't be flying in and out to New Zealand probably May, I would say. Yep. I appreciate it. Thank you. Yeah. Yes. Yes. Alright. No. I'm good. Thank you very much. Alright. 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Hello? Yourself? Yeah. That's fine.\n\nNo. No. I forgot to shake by alarm. That's why. Yeah.\n\nThat's fine. Yeah. It's all good. Oh, I don't know which one you're wearing on file. 40 Burke Street, Pickett in Calgary, W 030.\n\nIs that the right one? 40 Burke Street. If it's not that, it could be 139 A Street. It's not that. It could be something else.\n\nYeah. I'm not sure if it is. Sorry. Say again? Give me a time, I I can tell you.\n\nAt least I changed my address to 19 The Carter Street, Alconos, which is what it's currently. Okay. 05/22/1977. Yeah. Yep.\n\nYep. Okay. Why is that? Yeah. Yeah.\n\nNo. I'm just kinda so why are you asking me? What is is that gonna affect anything of me doing that with with my my my options? So I put a bit I'm moving the the beginning of April. Yeah.\n\nI'm not really cheap at the moment, but no. So so I'm gonna do two on one from Brisbane, but I'm paying my own flight to New Zealand, me and my wife. And then, yeah, we'll go to New Zealand for the week. Come back. Apply the WA.\n\nWork for two weeks and yeah. No. Well, we're gonna be it's sort of hard because we're gonna be living over there, but we're gonna be living there for a week, and then we're gonna work in Australia for two weeks. So so it's not like it's it's a permanent move, but it's not, if you know what I mean. Because we're actually working in Australia, and it's like going overseas every week every three weeks.\n\nYes. Coming back here to work. Yeah. Yeah. I suppose well, both.\n\nI'm very bad at reading emails. But but I do like I do like, you know, something in writing is always better. Yeah. No. So so what you're saying is if if I live if I live in New Zealand and I work in Australia, does that mean I have to change my super with you guys?\n\nAlright. Yeah. Yeah. That's a little disappointing. Yeah.\n\nAll good. Thank you. Yeah. Alright. Yeah.\n\nThat's fine. Thank you. Yep. Yeah. It's fine.\n\nYeah. No. That's fine. No. No.\n\nThat's all. No. All good. Thank you. Alrighty.\n\nThank you. I appreciate that. Yes. I am. Yes.\n\nYes. Yeah. We yeah. It's starting today. We just flew in yesterday morning.\n\nSo, yeah, we're starting today. Starting to sort things out. Good. Well, we're starting to fly in and out from Brisbane the April 8. Yeah.\n\nSo we potentially won't be because we'll have to sort a car and everything else. So we potentially won't be flying in and out to New Zealand probably May, I would say. Yep. I appreciate it. Thank you.\n\nYeah. Yes. Yes. Alright. No.\n\nI'm good. Thank you very much. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.012226260267198086},{"text":"Hello?","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.02660973370075226},{"text":"Yourself?","start":10.4,"end":10.9,"sentiment":"neutral","sentiment_score":0.2334558069705963},{"text":"Yeah.","start":17.105,"end":17.345001,"sentiment":"neutral","sentiment_score":0.12545952200889587},{"text":"That's fine.","start":17.345001,"end":18.165,"sentiment":"neutral","sentiment_score":0.16062583029270172}],"sentiment":"neutral","sentiment_score":0.11983383058880766,"num_words":6,"start":0.79999995,"end":18.165},{"sentences":[{"text":"No.","start":21.665,"end":22.165,"sentiment":"neutral","sentiment_score":-0.22255268692970276},{"text":"No.","start":22.305,"end":22.805,"sentiment":"neutral","sentiment_score":-0.24111995100975037},{"text":"I forgot to shake by alarm.","start":23.345001,"end":24.865,"sentiment":"neutral","sentiment_score":-0.224726011355718},{"text":"That's why.","start":24.865,"end":25.65,"sentiment":"neutral","sentiment_score":-0.21558475494384766},{"text":"Yeah.","start":34.69,"end":34.93,"sentiment":"neutral","sentiment_score":0.06403975188732147}],"sentiment":"neutral","sentiment_score":-0.19810531491583044,"num_words":11,"start":21.665,"end":34.93},{"sentences":[{"text":"That's fine.","start":34.93,"end":35.829998,"sentiment":"neutral","sentiment_score":0.12297128140926361},{"text":"Yeah.","start":45.435,"end":45.755,"sentiment":"neutral","sentiment_score":0.2591736912727356},{"text":"It's all good.","start":45.755,"end":46.655,"sentiment":"positive","sentiment_score":0.48519518971443176},{"text":"Oh, I don't know which one you're wearing on file.","start":55.420002,"end":58.24,"sentiment":"neutral","sentiment_score":-0.05130793377757072},{"text":"40 Burke Street, Pickett in Calgary, W 030.","start":63.42,"end":70.795,"sentiment":"neutral","sentiment_score":-0.003253594390116632}],"sentiment":"neutral","sentiment_score":0.05923307209741324,"num_words":24,"start":34.93,"end":70.795},{"sentences":[{"text":"Is that the right one?","start":71.335,"end":72.555,"sentiment":"neutral","sentiment_score":-0.015596832148730755},{"text":"40 Burke Street.","start":99.765,"end":101.125,"sentiment":"neutral","sentiment_score":-0.014077418173352877},{"text":"If it's not that, it could be 139 A Street.","start":101.125,"end":106.905,"sentiment":"neutral","sentiment_score":-0.03626109771430493},{"text":"It's not that.","start":108.78,"end":109.82,"sentiment":"neutral","sentiment_score":-0.07945134987433751},{"text":"It could be something else.","start":109.82,"end":111.52,"sentiment":"neutral","sentiment_score":-0.08799316436052322}],"sentiment":"neutral","sentiment_score":-0.04465951014739963,"num_words":26,"start":71.335,"end":111.52},{"sentences":[{"text":"Yeah.","start":113.1,"end":113.6,"sentiment":"neutral","sentiment_score":-0.023845937103033062},{"text":"I'm not sure if it is.","start":113.659996,"end":115.52,"sentiment":"neutral","sentiment_score":-0.060727529848615326},{"text":"Sorry.","start":120.14,"end":120.615,"sentiment":"neutral","sentiment_score":-0.02975309081375599},{"text":"Say again?","start":120.775,"end":121.435,"sentiment":"neutral","sentiment_score":-0.024324682541191578},{"text":"Give me a time, I I can tell you.","start":125.335,"end":127.755,"sentiment":"neutral","sentiment_score":-0.009523451638718447}],"sentiment":"neutral","sentiment_score":-0.0290697177283858,"num_words":19,"start":113.1,"end":127.755},{"sentences":[{"text":"At least I changed my address to 19 The Carter Street, Alconos, which is what it's currently.","start":128.455,"end":135.435,"sentiment":"neutral","sentiment_score":0.007252616246285684},{"text":"Okay.","start":151.185,"end":151.665,"sentiment":"neutral","sentiment_score":0.01545148715376854},{"text":"05/22/1977.","start":151.665,"end":154.08499,"sentiment":"neutral","sentiment_score":0.023014359176158905},{"text":"Yeah.","start":161.05,"end":161.55,"sentiment":"neutral","sentiment_score":0.07428964972496033},{"text":"Yep.","start":192.51001,"end":193.01001,"sentiment":"neutral","sentiment_score":-0.043950602412223816}],"sentiment":"neutral","sentiment_score":0.00914758903950098,"num_words":21,"start":128.455,"end":193.01001},{"sentences":[{"text":"Yep.","start":291.865,"end":292.365,"sentiment":"neutral","sentiment_score":0.18302977085113523},{"text":"Okay.","start":300.185,"end":300.685,"sentiment":"neutral","sentiment_score":0.14852699637413025},{"text":"Why is that?","start":312.08,"end":312.735,"sentiment":"neutral","sentiment_score":-0.04282045612732569},{"text":"Yeah.","start":314.57498,"end":315.07498,"sentiment":"neutral","sentiment_score":0.0006577968597412109},{"text":"Yeah.","start":319.29498,"end":319.53497,"sentiment":"neutral","sentiment_score":-0.023435529321432114}],"sentiment":"neutral","sentiment_score":0.025759666625942503,"num_words":7,"start":291.865,"end":319.53497},{"sentences":[{"text":"No.","start":319.53497,"end":319.65497,"sentiment":"neutral","sentiment_score":-0.10831980407238008},{"text":"I'm just kinda so why are you asking me?","start":319.65497,"end":321.29498,"sentiment":"neutral","sentiment_score":-0.16001527508099875},{"text":"What is is that gonna affect anything of me doing that with with my my my options?","start":321.29498,"end":327.875,"sentiment":"neutral","sentiment_score":-0.12099406364209511},{"text":"So I put a bit I'm moving the the beginning of April.","start":327.99,"end":340.60538,"sentiment":"neutral","sentiment_score":0.011811380585034689},{"text":"Yeah.","start":342.315,"end":342.79498,"sentiment":"neutral","sentiment_score":-0.021058570593595505}],"sentiment":"neutral","sentiment_score":-0.08711695913225412,"num_words":40,"start":319.53497,"end":342.79498},{"sentences":[{"text":"I'm not really cheap at the moment, but no.","start":342.79498,"end":345.675,"sentiment":"neutral","sentiment_score":-0.10852623648113674},{"text":"So so I'm gonna do two on one from Brisbane, but I'm paying my own flight to New Zealand, me and my wife.","start":345.675,"end":353.375,"sentiment":"neutral","sentiment_score":0.005278782891210816},{"text":"And then, yeah, we'll go to New Zealand for the week.","start":354.715,"end":357.06,"sentiment":"neutral","sentiment_score":0.049360791221261024},{"text":"Come back.","start":357.86,"end":358.52,"sentiment":"neutral","sentiment_score":0.02452683076262474},{"text":"Apply the WA.","start":359.62,"end":360.52,"sentiment":"neutral","sentiment_score":0.025948832432428997}],"sentiment":"neutral","sentiment_score":-0.0038636512411661292,"num_words":48,"start":342.79498,"end":360.52},{"sentences":[{"text":"Work for two weeks and yeah.","start":360.66,"end":369.56,"sentiment":"neutral","sentiment_score":0.014746895991265774},{"text":"No.","start":369.7,"end":370.1,"sentiment":"neutral","sentiment_score":-0.14462800323963165},{"text":"Well, we're gonna be it's sort of hard because we're gonna be living over there, but we're gonna be living there for a week, and then we're gonna work in Australia for two weeks.","start":370.1,"end":378.435,"sentiment":"neutral","sentiment_score":-0.14096164495191155},{"text":"So so it's not like it's it's a permanent move, but it's not, if you know what I mean.","start":378.435,"end":384.19498,"sentiment":"neutral","sentiment_score":-0.06736042850503796},{"text":"Because we're actually working in Australia, and it's like going overseas every week every three weeks.","start":384.19498,"end":392.25,"sentiment":"neutral","sentiment_score":0.028196511208079755}],"sentiment":"neutral","sentiment_score":-0.07470455944636151,"num_words":76,"start":360.66,"end":392.25},{"sentences":[{"text":"Yes.","start":404.805,"end":405.04498,"sentiment":"neutral","sentiment_score":0.11060918867588045},{"text":"Coming back here to work.","start":405.04498,"end":406.425,"sentiment":"neutral","sentiment_score":0.13183526694774628},{"text":"Yeah.","start":440.275,"end":440.775,"sentiment":"neutral","sentiment_score":0.03958747535943985},{"text":"Yeah.","start":454.75,"end":455.25,"sentiment":"neutral","sentiment_score":0.10718347132205965},{"text":"I suppose well, both.","start":478.3,"end":480.7,"sentiment":"neutral","sentiment_score":-0.07577056251466274}],"sentiment":"neutral","sentiment_score":0.05112285166978836,"num_words":12,"start":404.805,"end":480.7},{"sentences":[{"text":"I'm very bad at reading emails.","start":480.7,"end":482.64,"sentiment":"negative","sentiment_score":-0.37535375853379566},{"text":"But but I do like I do like, you know, something in writing is always better.","start":483.82498,"end":489.76498,"sentiment":"neutral","sentiment_score":-0.029771887930110097},{"text":"Yeah.","start":490.065,"end":490.465,"sentiment":"neutral","sentiment_score":0.02063460648059845},{"text":"No.","start":490.465,"end":490.965,"sentiment":"neutral","sentiment_score":-0.05651967227458954},{"text":"So so what you're saying is if if I live if I live in New Zealand and I work in Australia, does that mean I have to change my super with you guys?","start":492.625,"end":502.41,"sentiment":"neutral","sentiment_score":0.00486616309111317}],"sentiment":"neutral","sentiment_score":-0.04568025336617179,"num_words":57,"start":480.7,"end":502.41},{"sentences":[{"text":"Alright.","start":601.895,"end":602.395,"sentiment":"neutral","sentiment_score":0.009263155981898308},{"text":"Yeah.","start":602.695,"end":603.195,"sentiment":"neutral","sentiment_score":-0.011959649622440338},{"text":"Yeah.","start":604.055,"end":604.295,"sentiment":"neutral","sentiment_score":-0.14472314715385437},{"text":"That's a little disappointing.","start":604.295,"end":605.355,"sentiment":"negative","sentiment_score":-0.5054775923490524},{"text":"Yeah.","start":623.12,"end":623.36,"sentiment":"neutral","sentiment_score":0.2671712040901184}],"sentiment":"neutral","sentiment_score":-0.23776985076256096,"num_words":8,"start":601.895,"end":623.36},{"sentences":[{"text":"All good.","start":623.36,"end":623.92004,"sentiment":"positive","sentiment_score":0.5351565480232239},{"text":"Thank you.","start":623.92004,"end":624.66003,"sentiment":"positive","sentiment_score":0.5925056338310242},{"text":"Yeah.","start":655.2,"end":655.7,"sentiment":"neutral","sentiment_score":0.033060185611248016},{"text":"Alright.","start":663.235,"end":663.735,"sentiment":"neutral","sentiment_score":0.029838165268301964},{"text":"Yeah.","start":672.13,"end":672.63,"sentiment":"neutral","sentiment_score":0.04811221361160278}],"sentiment":"positive","sentiment_score":0.33804784688566414,"num_words":7,"start":623.36,"end":672.63},{"sentences":[{"text":"That's fine.","start":674.05,"end":674.69,"sentiment":"neutral","sentiment_score":0.1748327761888504},{"text":"Thank you.","start":674.69,"end":675.35,"sentiment":"neutral","sentiment_score":0.261190265417099},{"text":"Yep.","start":698.38,"end":698.88,"sentiment":"neutral","sentiment_score":0.07199306786060333},{"text":"Yeah.","start":706.14,"end":706.46,"sentiment":"neutral","sentiment_score":-0.08833808451890945},{"text":"It's fine.","start":706.46,"end":707.28,"sentiment":"neutral","sentiment_score":-0.16083260625600815}],"sentiment":"neutral","sentiment_score":0.06675448175519705,"num_words":8,"start":674.05,"end":707.28},{"sentences":[{"text":"Yeah.","start":726.43005,"end":726.93005,"sentiment":"neutral","sentiment_score":0.2554720342159271},{"text":"No.","start":735.23004,"end":735.47003,"sentiment":"neutral","sentiment_score":-0.14173534512519836},{"text":"That's fine.","start":735.47003,"end":736.29004,"sentiment":"neutral","sentiment_score":0.0405084490776062},{"text":"No.","start":740.99005,"end":741.49005,"sentiment":"neutral","sentiment_score":-0.06358744204044342},{"text":"No.","start":742.33496,"end":742.57495,"sentiment":"neutral","sentiment_score":-0.06325249373912811}],"sentiment":"neutral","sentiment_score":0.011318941911061605,"num_words":6,"start":726.43005,"end":742.57495},{"sentences":[{"text":"That's all.","start":742.57495,"end":743.39496,"sentiment":"neutral","sentiment_score":-0.04386240616440773},{"text":"No.","start":743.45496,"end":743.77496,"sentiment":"neutral","sentiment_score":-0.022182274609804153},{"text":"All good.","start":743.77496,"end":744.175,"sentiment":"neutral","sentiment_score":0.13980575650930405},{"text":"Thank you.","start":744.175,"end":744.915,"sentiment":"neutral","sentiment_score":0.23183345049619675},{"text":"Alrighty.","start":783.19,"end":783.69,"sentiment":"neutral","sentiment_score":0.2413124442100525}],"sentiment":"neutral","sentiment_score":0.10933547141030431,"num_words":8,"start":742.57495,"end":783.69},{"sentences":[{"text":"Thank you.","start":783.83,"end":784.31,"sentiment":"positive","sentiment_score":0.3939001113176346},{"text":"I appreciate that.","start":784.31,"end":785.29,"sentiment":"positive","sentiment_score":0.4144718845685323},{"text":"Yes.","start":788.79,"end":788.95,"sentiment":"neutral","sentiment_score":-0.0048331283032894135},{"text":"I am.","start":788.95,"end":789.69,"sentiment":"neutral","sentiment_score":-0.002064521424472332},{"text":"Yes.","start":797.395,"end":797.895,"sentiment":"neutral","sentiment_score":0.06650389730930328}],"sentiment":"neutral","sentiment_score":0.23208417805532613,"num_words":9,"start":783.83,"end":797.895},{"sentences":[{"text":"Yes.","start":799.555,"end":799.71497,"sentiment":"neutral","sentiment_score":0.09236860275268556},{"text":"Yeah.","start":799.71497,"end":800.115,"sentiment":"neutral","sentiment_score":0.09551623463630676},{"text":"We yeah.","start":800.115,"end":800.515,"sentiment":"neutral","sentiment_score":0.11027761921286584},{"text":"It's starting today.","start":800.515,"end":801.555,"sentiment":"neutral","sentiment_score":0.11599678297837575},{"text":"We just flew in yesterday morning.","start":801.555,"end":803.15497,"sentiment":"neutral","sentiment_score":0.1263706274330616}],"sentiment":"neutral","sentiment_score":0.1165118607190939,"num_words":13,"start":799.555,"end":803.15497},{"sentences":[{"text":"So, yeah, we're starting today.","start":803.15497,"end":804.695,"sentiment":"neutral","sentiment_score":0.12299183309078217},{"text":"Starting to sort things out.","start":804.835,"end":806.455,"sentiment":"neutral","sentiment_score":0.09117271453142166},{"text":"Good.","start":810.31,"end":810.81,"sentiment":"positive","sentiment_score":0.4928151965141296},{"text":"Well, we're starting to fly in and out from Brisbane the April 8.","start":837.36505,"end":849.88,"sentiment":"neutral","sentiment_score":0.019620551441151362},{"text":"Yeah.","start":851.86,"end":852.36,"sentiment":"neutral","sentiment_score":-0.015865758061408997}],"sentiment":"neutral","sentiment_score":0.0721135738119483,"num_words":25,"start":803.15497,"end":852.36},{"sentences":[{"text":"So we potentially won't be because we'll have to sort a car and everything else.","start":852.985,"end":857.22504,"sentiment":"neutral","sentiment_score":-0.12370587935050328},{"text":"So we potentially won't be flying in and out to New Zealand probably May, I would say.","start":857.22504,"end":865.11,"sentiment":"neutral","sentiment_score":-0.09142188399153597},{"text":"Yep.","start":879.75,"end":880.185,"sentiment":"neutral","sentiment_score":0.14868859946727753},{"text":"I appreciate it.","start":880.425,"end":881.085,"sentiment":"neutral","sentiment_score":0.30862505237261456},{"text":"Thank you.","start":881.385,"end":882.045,"sentiment":"positive","sentiment_score":0.4612068682909012}],"sentiment":"neutral","sentiment_score":-0.03717849276175624,"num_words":38,"start":852.985,"end":882.045},{"sentences":[{"text":"Yeah.","start":887.385,"end":887.885,"sentiment":"neutral","sentiment_score":0.01889188587665558},{"text":"Yes.","start":892.67,"end":893.17,"sentiment":"neutral","sentiment_score":0.09467992186546326},{"text":"Yes.","start":898.58997,"end":899.08997,"sentiment":"neutral","sentiment_score":0.18238240480422976},{"text":"Alright.","start":913.795,"end":914.295,"sentiment":"neutral","sentiment_score":0.1884889453649521},{"text":"No.","start":923.17,"end":923.49,"sentiment":"neutral","sentiment_score":-0.19064435362815857}],"sentiment":"neutral","sentiment_score":0.058759760856628415,"num_words":5,"start":887.385,"end":923.49},{"sentences":[{"text":"I'm good.","start":923.49,"end":924.13,"sentiment":"neutral","sentiment_score":-0.09107630513608456},{"text":"Thank you very much.","start":924.13,"end":925.26996,"sentiment":"positive","sentiment_score":0.875066414475441},{"text":"Alright.","start":927.41,"end":927.91,"sentiment":"neutral","sentiment_score":0.205061599612236},{"text":"Bye.","start":928.20996,"end":928.70996,"sentiment":"neutral","sentiment_score":0.16302649676799774}],"sentiment":"positive","sentiment_score":0.46077514300122857,"num_words":8,"start":923.49,"end":928.70996}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Casper. This is Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up this morning. Is now still a good time there for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: That's fine.\n\nChannel 0: Yeah. I'm so sorry. I feel like I may have woken you up.\n\nChannel 1: No. No. I\n\nChannel 0: No.\n\nChannel 1: forgot to shake by alarm. That's why.\n\nChannel 0: Oh, well, I'm very sorry if I woke you up. I do apologize. Do you have just a few minutes for a quick catch up now?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. All good. All good. Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. It's all good.\n\nChannel 0: Lovely. And just to do security there with you, we are discussing your personal information. So just to confirm, your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: Oh, I don't know which one you're wearing on file.\n\nChannel 0: That's okay. You just check something out there, and I'll let you know if it's wrong.\n\nChannel 1: 40 Burke Street, Pickett in Calgary, W 030. Is that the\n\nChannel 0: Let\n\nChannel 1: right\n\nChannel 0: me\n\nChannel 1: one?\n\nChannel 0: double that's not the one I'm looking at, but that's okay. And I also have sorry. Sorry. Your other file here. Where is it?\n\nI'll just have a look. Sorry. Back. Okay. So that's not the address I have on here.\n\nIs there another one that you might have?\n\nChannel 1: 40 Burke Street. If it's not that, it could be 139 A Street. It's not that. It could be something else.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: I'm not sure if it is.\n\nChannel 0: where else have you resided in the past?\n\nChannel 1: Sorry. Say again?\n\nChannel 0: Where else have you resided in the past?\n\nChannel 1: Give me a time, I I can tell you. At least I changed my address to 19 The Carter Street, Alconos, which is what it's currently.\n\nChannel 0: That's that's the one. Perfect. That's the one I have here. I'm sorry. I didn't have the other ones previously noted.\n\nI do apologize about that. But that is the one we do have here. Perfect. And just your date of birth as well for me, please, Casper. So sorry.\n\nChannel 1: Okay. 05/22/1977.\n\nChannel 0: Beautiful. Lovely. Thank you so much. So the 19 the The Quarter Street, that is where you are at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Well, that's the address we do currently have on file, so it's all up to date for you. Okay? Thank you for that.\n\nSorry about the trouble. Kasper it's all good. Kasper, last time we did catch up, we did the annual review late last year, and we were looking at the insurance side of things. So I know you did do a free assessment around about November with my team. We had sent those free assessments off to see how insurances might be assessed because you wanted to see if you could consolidate your ING into your net wealth and maybe have everything in one place.\n\nWith\n\nChannel 1: Yep.\n\nChannel 0: having a look at what was disclosed, there was a few health conditions that have been disclosed. So certain things, I can give you a list of them. We had the bariatric surgery, the knee aspiration, the right broken thumb, the left broken collarbone, the skin cancer on the calf, the left shoulder ligament and muscle damage, and the right shoulder hyper, hyperextension, and then the mild depression and the appendix removal. So there was quite a few things that have been disclosed, and we did send that off the to the pre assessment teams to see how they would assess things. The other thing you had disclosed was that you were planning to move back to New Zealand and leave Australia permanently as well.\n\nSo in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you. Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on. So they the only provider that was willing to offer any kind of cover, unfortunately, was only offering ADL definition, which is, basically, you need to be unable to feed yourself, fade yourself, and close yourself. So it's not a great definition. It's not something I would sort of like you to have.\n\nIt does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running. Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for. The cover you have now gives you more eligibility to claim on. It's a better product for you to be able to claim on. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So it does mean we do have to retain that at the moment. I do wanna keep looking forward to seeing how things are going for you. One\n\nChannel 1: Okay.\n\nChannel 0: of the things you did make mention to me was that you are wanting to move back to New Zealand. Do you have any idea of when you're wanting to do that, or is there a plan in place? Are you still thinking about it?\n\nChannel 1: Why is that?\n\nChannel 0: Because\n\nChannel 1: Yeah.\n\nChannel 0: when we spoke last year, you mentioned that you were wanting to move back to New Zealand.\n\nChannel 1: Yeah. No. I'm just kinda so why are you asking me? What is is that gonna affect anything of me doing that with\n\nChannel 0: Yeah.\n\nChannel 1: with my my my options? So\n\nChannel 0: It it\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: put\n\nChannel 0: It absolutely\n\nChannel 1: a\n\nChannel 0: does.\n\nChannel 1: bit\n\nChannel 0: Okay. Because\n\nChannel 1: I'm\n\nChannel 0: it absolutely does.\n\nChannel 1: moving\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: are you moving back\n\nChannel 1: the\n\nChannel 0: permanently? Because\n\nChannel 1: beginning\n\nChannel 0: you mentioned that's what you were\n\nChannel 1: of\n\nChannel 0: wanting to do. It's a bit\n\nChannel 1: April.\n\nChannel 0: cheaper living in New Zealand.\n\nChannel 1: Yeah. I'm not really cheap at the moment, but no. So so I'm gonna do two on one from Brisbane, but I'm paying my own flight to\n\nChannel 0: Yeah.\n\nChannel 1: New Zealand, me and my wife.\n\nChannel 0: Yeah.\n\nChannel 1: And then, yeah, we'll go to New Zealand for the week.\n\nChannel 0: Okay.\n\nChannel 1: Come back. Apply the WA. Work for two weeks and\n\nChannel 0: Okay. So are you going to be living over there, or are you coming back? Is it just a holiday to New Zealand?\n\nChannel 1: yeah. No. Well, we're gonna be it's sort of hard because we're gonna be living over there, but we're gonna be living there for a week, and then we're gonna work in Australia for two weeks. So\n\nChannel 0: Okay.\n\nChannel 1: so it's not like\n\nChannel 0: Yeah.\n\nChannel 1: it's it's a permanent move, but it's not, if you know what I mean. Because we're\n\nChannel 0: Yeah.\n\nChannel 1: actually working in Australia, and it's like going overseas every week\n\nChannel 0: Yeah.\n\nChannel 1: every three weeks.\n\nChannel 0: Absolutely. And are you planning on doing any kind of work in New Zealand while you're there? Will you be earning any money whilst you're living over there or just coming back here to work and just working in Australia?\n\nChannel 1: Yes. Coming back here to work.\n\nChannel 0: Okay. Perfect. So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license. So what I do need to do is I do need to go and speak to our head of advice to find out put your circumstances out there that you'll be living in New Zealand and just flying back here to work every couple of weeks. You said you're working two weeks at a time.\n\nIs that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. I will just put this to our head of advice to find out what we are able to do moving forward. We can still do annual reviews for you, but I don't obviously want you to be paying for our services if we're not able to help you moving forward. So\n\nChannel 1: Yeah.\n\nChannel 0: it might be worth you moving back to ING and keeping everything in one place. So I will go back and speak to my head of advice and find out what our obligations are there and what we can do to help you, and then I will make time to email you or touch base. Are you better contacted via email at the moment, or is it best to give you a call? What would you prefer me to do to be able to touch base with your customer?\n\nChannel 1: I suppose well, both. I'm very bad at reading emails.\n\nChannel 0: No. That's okay.\n\nChannel 1: But\n\nChannel 0: Not\n\nChannel 1: but\n\nChannel 0: a\n\nChannel 1: I do\n\nChannel 0: not\n\nChannel 1: like\n\nChannel 0: a problem.\n\nChannel 1: I do like, you know, something\n\nChannel 0: Yes.\n\nChannel 1: in writing is always better. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: No. Absolutely. Well, I could always\n\nChannel 1: So\n\nChannel 0: send\n\nChannel 1: so\n\nChannel 0: you\n\nChannel 1: what\n\nChannel 0: an email\n\nChannel 1: you're\n\nChannel 0: with\n\nChannel 1: saying is\n\nChannel 0: and then follow-up.\n\nChannel 1: if\n\nChannel 0: Yeah.\n\nChannel 1: if I live if I live in New Zealand and I work in\n\nChannel 0: Yes.\n\nChannel 1: Australia, does that mean I have to change my super with you guys?\n\nChannel 0: Well, it means that we may not be able to provide ongoing advice. So, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by. And, essentially, if you're living in a different country, there are different taxation laws in different countries. So for us to provide advice here, we have to take into account the New Zealand taxation rules, and that can be quite conflicting. We don't know enough about the taxation rules.\n\nA lot of accounts here don't even understand the taxation rules in New Zealand. They can be quite different. So there's a lot of conflicting information there. We'd have to take into account Australian taxation as well as New Zealand, which can be quite conflicting. If we get that wrong, it can place you in a negative position, so the advice may not be appropriate.\n\nSo our licenses does not allow us to provide advice when you are living overseas, but it also comes down to the circumstances. So if you are just residing over there and working over here, I might be able to confirm that we still can provide the advice. There might just be some stipulations around what that entails, and I just need to seek approval from our head of advice to find out what we are and are not able to do to help you. But I also don't wanna do anything that's gonna put you in a bad position, and it might be easier for you. I mean, you have your two super funds at the moment.\n\nSo it might even be easier if we just move you back to I n g. You have everything in one place. Your super stays where it is, and you have access to it in a lower cost fund. So I just need to find out what the stipulations are, what our requirements are, and what we can do to help you to make sure that we're putting your needs above that of everything else. Does that make sense?\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: don't\n\nChannel 1: little disappointing.\n\nChannel 0: I know. I know. And, look, I will I wanna be able to help you moving forward, but I just need to make sure we're doing it in the right way as well. So it's not a no yet. It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further.\n\nIs that okay?\n\nChannel 1: Yeah. All good. Thank you.\n\nChannel 0: Yeah. That's okay. We just don't wanna do anything that's gonna negatively impact you. You've worked really hard. You're still working really hard, and you deserve the retirement you're after.\n\nSo, we just need to make sure we're doing everything right. And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you. The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out\n\nChannel 1: Yeah.\n\nChannel 0: if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well. Because\n\nChannel 1: Alright.\n\nChannel 0: if you're living overseas and you can't claim on the insurance, is it actually worth having? So I will do a bit more research around that for you\n\nChannel 1: Yeah.\n\nChannel 0: as well. Is that okay?\n\nChannel 1: That's fine. Thank you.\n\nChannel 0: Yeah. No. That's okay. I just wanna make sure we're looking after you and putting your needs above that of our own is the most important part of our job. And I'm wanna be honest with you, if it's better for you to be in ING, we will tell you that.\n\nIf we feel that we can still help you out, then we will definitely do that for you as well. I just need to find out what the stipulations are. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. I hope I can come back with some good news for you. And I'm sorry that we weren't able to get any new insurance as\n\nChannel 1: Yeah.\n\nChannel 0: we did\n\nChannel 1: It's\n\nChannel 0: try\n\nChannel 1: fine.\n\nChannel 0: really hard and fight the in insurers there. But is we wanna make sure that the products you have that you can actually claim on. There's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries. And\n\nChannel 1: Yeah.\n\nChannel 0: so it's important to make sure you are able to claim on the products you are paying more as well. Does that all help you a little bit? I'm so sorry it wasn't great news this morning, but\n\nChannel 1: No. That's fine.\n\nChannel 0: I wanna go into that for you. Do you have any questions for me at the moment\n\nChannel 1: No.\n\nChannel 0: at all, Casa?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: That's all. No. All good. Thank you.\n\nChannel 0: Yeah. That's okay. Well, what I will do next is I'll just go back. I'll speak to my head of advice. I'll find out what we wanna do.\n\nI'll put your circumstances out there and find out what we're able to do under the license, and then we will get probably an email drawn up, and then I'll follow-up with a conversation with you just to sort of see that you've got that, that you understand, and then we can look at what to do moving forward. I know last year, we did also talk about maybe updating your portfolio. And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided. Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day. Okay?\n\nChannel 1: Alrighty. Thank you. I appreciate that.\n\nChannel 0: No. That's okay. Are you off work this week?\n\nChannel 1: Yes. I am.\n\nChannel 0: You are? Well, I hope you have a good week off. Are you packing, getting sorted for the move, or are you just relaxing?\n\nChannel 1: Yes.\n\nChannel 0: What's your plan? Yeah.\n\nChannel 1: Yes. Yeah. We yeah. It's starting today. We just flew in yesterday morning.\n\nSo, yeah, we're starting today. Starting to sort\n\nChannel 0: Oh,\n\nChannel 1: things out.\n\nChannel 0: wow. Well, I'm very sorry I woke you up. You definitely deserve\n\nChannel 1: Good.\n\nChannel 0: your sleep. I will let you go to have a bit of a rest. I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today. And we'll work out what we can do, and I'll make sure I follow-up with you. But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave.\n\nWhat's the date you're actually heading out to New Zealand?\n\nChannel 1: Well, we're starting to fly in and out from Brisbane the April 8.\n\nChannel 0: April 8. No\n\nChannel 1: Yeah.\n\nChannel 0: worries at all.\n\nChannel 1: So we potentially won't be because we'll have to sort a car and everything else. So we potentially won't be flying in and out to New Zealand probably May, I would say.\n\nChannel 0: Okay. Buying in May. Perfect. Well, I'll try not to leave it at that long. I'll get on to everything.\n\nWe'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed. Okay?\n\nChannel 1: Yep. I appreciate it.\n\nChannel 0: All\n\nChannel 1: Thank you.\n\nChannel 0: good. That's okay, Casper. Thank you for taking my call. Again, I do apologize. It wasn't the best news today, but\n\nChannel 1: Yeah.\n\nChannel 0: I just wanna be open and honest with you. I'd rather be honest with you and have you understand the full circumstances\n\nChannel 1: Yes.\n\nChannel 0: rather than lie and, you know, lead you on. You deserve nothing more than the truth. So\n\nChannel 1: Yes.\n\nChannel 0: I will get stuck into working at what we can do, and we'll let you know as soon as we can. We'll make it nice and timely so you're not left in limbo too long. And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Thank you so much for your time, Casper. I will let you go to have a bit more of a rest. Enjoy your day, and I'm very sorry for waking you up.\n\nChannel 1: No. I'm good. Thank you very much.\n\nChannel 0: Thank you. I'll talk to you soon. See you later.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.012226260267198086},{"text":"Hello?","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.02660973370075226}],"sentiment":"neutral","sentiment_score":0.019417996983975172,"channel":1,"num_words":2,"start":0.79999995,"end":5.06},{"sentences":[{"text":"Hi, Casper.","start":5.8399997,"end":6.56,"sentiment":"neutral","sentiment_score":0.16002707183361053},{"text":"This is Dana from Oakview Financial.","start":6.56,"end":8.34,"sentiment":"neutral","sentiment_score":0.24057080099980035},{"text":"How are you this morning?","start":8.4,"end":9.54,"sentiment":"neutral","sentiment_score":0.3138758659362793}],"sentiment":"neutral","sentiment_score":0.25637371379595536,"channel":0,"num_words":13,"start":5.8399997,"end":9.54},{"sentences":[{"text":"Yourself?","start":10.4,"end":10.9,"sentiment":"neutral","sentiment_score":0.2334558069705963}],"sentiment":"neutral","sentiment_score":0.2334558069705963,"channel":1,"num_words":1,"start":10.4,"end":10.9},{"sentences":[{"text":"I'm very well.","start":11.36,"end":12.24,"sentiment":"positive","sentiment_score":0.6490389307339987},{"text":"Thank you.","start":12.24,"end":12.559999,"sentiment":"positive","sentiment_score":0.7203886210918427},{"text":"I had you booked in for a bit of a catch up this morning.","start":12.559999,"end":14.799999,"sentiment":"positive","sentiment_score":0.3736124336719513},{"text":"Is now still a good time there for","start":14.799999,"end":16.685,"sentiment":"neutral","sentiment_score":0.3054508939385414}],"sentiment":"positive","sentiment_score":0.4097064910111604,"channel":0,"num_words":27,"start":11.36,"end":16.685},{"sentences":[{"text":"Yeah.","start":17.105,"end":17.345001,"sentiment":"neutral","sentiment_score":0.12545952200889587}],"sentiment":"neutral","sentiment_score":0.12545952200889587,"channel":1,"num_words":1,"start":17.105,"end":17.345001},{"sentences":[{"text":"you?","start":17.265,"end":17.765,"sentiment":"neutral","sentiment_score":0.11140715330839156}],"sentiment":"neutral","sentiment_score":0.11140715330839156,"channel":0,"num_words":1,"start":17.265,"end":17.765},{"sentences":[{"text":"That's fine.","start":17.345001,"end":18.165,"sentiment":"neutral","sentiment_score":0.16062583029270172}],"sentiment":"neutral","sentiment_score":0.16062583029270172,"channel":1,"num_words":2,"start":17.345001,"end":18.165},{"sentences":[{"text":"Yeah.","start":18.345,"end":18.585,"sentiment":"neutral","sentiment_score":-0.001989150419831276},{"text":"I'm so sorry.","start":18.585,"end":19.225,"sentiment":"neutral","sentiment_score":-0.24077080686887106},{"text":"I feel like I may have woken you up.","start":19.225,"end":21.085,"sentiment":"negative","sentiment_score":-0.4187881218062507}],"sentiment":"negative","sentiment_score":-0.3456457436371308,"channel":0,"num_words":13,"start":18.345,"end":21.085},{"sentences":[{"text":"No.","start":21.665,"end":22.165,"sentiment":"neutral","sentiment_score":-0.22255268692970276},{"text":"No.","start":22.305,"end":22.805,"sentiment":"neutral","sentiment_score":-0.24111995100975037},{"text":"I","start":23.345001,"end":23.505001,"sentiment":"neutral","sentiment_score":-0.25167158246040344}],"sentiment":"neutral","sentiment_score":-0.23844807346661887,"channel":1,"num_words":3,"start":21.665,"end":23.505001},{"sentences":[{"text":"No.","start":23.385,"end":23.885,"sentiment":"neutral","sentiment_score":-0.24271604418754575}],"sentiment":"neutral","sentiment_score":-0.24271604418754575,"channel":0,"num_words":1,"start":23.385,"end":23.885},{"sentences":[{"text":"forgot to shake by alarm.","start":23.505001,"end":24.865,"sentiment":"neutral","sentiment_score":-0.21933689713478088},{"text":"That's why.","start":24.865,"end":25.65,"sentiment":"neutral","sentiment_score":-0.21558475494384766}],"sentiment":"neutral","sentiment_score":-0.21826485650879995,"channel":1,"num_words":7,"start":23.505001,"end":25.65},{"sentences":[{"text":"Oh, well, I'm very sorry if I woke you up.","start":25.945,"end":28.505,"sentiment":"neutral","sentiment_score":-0.17945022881031036},{"text":"I do apologize.","start":28.505,"end":29.325,"sentiment":"neutral","sentiment_score":-0.0912524734934171},{"text":"Do you have just a few minutes for a quick catch up now?","start":30.52,"end":33.98,"sentiment":"neutral","sentiment_score":-0.005744328579077354}],"sentiment":"neutral","sentiment_score":-0.08242061461966771,"channel":0,"num_words":26,"start":25.945,"end":33.98},{"sentences":[{"text":"Yeah.","start":34.69,"end":34.93,"sentiment":"neutral","sentiment_score":0.06403975188732147},{"text":"That's fine.","start":34.93,"end":35.829998,"sentiment":"neutral","sentiment_score":0.12297128140926361}],"sentiment":"neutral","sentiment_score":0.1033274382352829,"channel":1,"num_words":3,"start":34.69,"end":35.829998},{"sentences":[{"text":"Yeah.","start":35.72,"end":36.12,"sentiment":"neutral","sentiment_score":0.21417157351970673},{"text":"All good.","start":36.12,"end":36.6,"sentiment":"positive","sentiment_score":0.37710633873939514},{"text":"All good.","start":36.6,"end":37.08,"sentiment":"neutral","sentiment_score":0.3143860250711441},{"text":"Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes.","start":37.08,"end":42.7,"sentiment":"neutral","sentiment_score":0.06654659945231217},{"text":"Are you happy for me to proceed with that?","start":42.760002,"end":45.1,"sentiment":"neutral","sentiment_score":0.1161158283551534}],"sentiment":"neutral","sentiment_score":0.10931025855243207,"channel":0,"num_words":40,"start":35.72,"end":45.1},{"sentences":[{"text":"Yeah.","start":45.435,"end":45.755,"sentiment":"neutral","sentiment_score":0.2591736912727356},{"text":"It's all good.","start":45.755,"end":46.655,"sentiment":"positive","sentiment_score":0.48519518971443176}],"sentiment":"positive","sentiment_score":0.4286898151040077,"channel":1,"num_words":4,"start":45.435,"end":46.655},{"sentences":[{"text":"Lovely.","start":46.965,"end":47.365,"sentiment":"positive","sentiment_score":0.5568332672119141},{"text":"And just to do security there with you, we are discussing your personal information.","start":47.365,"end":50.805,"sentiment":"neutral","sentiment_score":0.19166949284928186},{"text":"So just to confirm, your full name, your date of birth, and address I should have on file there for you.","start":50.805,"end":55.385002,"sentiment":"neutral","sentiment_score":0.14305314918359122}],"sentiment":"neutral","sentiment_score":0.17345339722103542,"channel":0,"num_words":36,"start":46.965,"end":55.385002},{"sentences":[{"text":"Oh, I don't know which one you're wearing on file.","start":55.420002,"end":58.24,"sentiment":"neutral","sentiment_score":-0.05130793377757072}],"sentiment":"neutral","sentiment_score":-0.05130793377757072,"channel":1,"num_words":10,"start":55.420002,"end":58.24},{"sentences":[{"text":"That's okay.","start":58.87,"end":59.51,"sentiment":"neutral","sentiment_score":0.013800058048218489},{"text":"You just check something out there, and I'll let you know if it's wrong.","start":59.51,"end":62.09,"sentiment":"neutral","sentiment_score":-0.015260724616902215}],"sentiment":"neutral","sentiment_score":-0.011628126783762127,"channel":0,"num_words":16,"start":58.87,"end":62.09},{"sentences":[{"text":"40 Burke Street, Pickett in Calgary, W 030.","start":63.42,"end":70.795,"sentiment":"neutral","sentiment_score":-0.003253594390116632},{"text":"Is that the","start":71.335,"end":71.735,"sentiment":"neutral","sentiment_score":-0.011742796438435713}],"sentiment":"neutral","sentiment_score":-0.005568831312385472,"channel":1,"num_words":11,"start":63.42,"end":71.735},{"sentences":[{"text":"Let","start":71.67,"end":71.909996,"sentiment":"neutral","sentiment_score":-0.01278194598853588}],"sentiment":"neutral","sentiment_score":-0.01278194598853588,"channel":0,"num_words":1,"start":71.67,"end":71.909996},{"sentences":[{"text":"right","start":71.735,"end":72.055,"sentiment":"neutral","sentiment_score":-0.018067434430122375}],"sentiment":"neutral","sentiment_score":-0.018067434430122375,"channel":1,"num_words":1,"start":71.735,"end":72.055},{"sentences":[{"text":"me","start":71.909996,"end":72.07,"sentiment":"neutral","sentiment_score":-0.021943384781479836}],"sentiment":"neutral","sentiment_score":-0.021943384781479836,"channel":0,"num_words":1,"start":71.909996,"end":72.07},{"sentences":[{"text":"one?","start":72.055,"end":72.555,"sentiment":"neutral","sentiment_score":-0.02468833699822426}],"sentiment":"neutral","sentiment_score":-0.02468833699822426,"channel":1,"num_words":1,"start":72.055,"end":72.555},{"sentences":[{"text":"double that's not the one I'm looking at, but that's okay.","start":72.07,"end":75.415,"sentiment":"neutral","sentiment_score":-0.05582951347936283},{"text":"And I also have sorry.","start":75.415,"end":78.135,"sentiment":"neutral","sentiment_score":-0.0602522537112236},{"text":"Sorry.","start":78.135,"end":78.455,"sentiment":"neutral","sentiment_score":-0.08121231943368912},{"text":"Your other file here.","start":78.455,"end":79.915,"sentiment":"neutral","sentiment_score":-0.0714799351990223},{"text":"Where is it?","start":83.655,"end":84.555,"sentiment":"neutral","sentiment_score":-0.03746668870250384}],"sentiment":"neutral","sentiment_score":-0.058121585131933294,"channel":0,"num_words":24,"start":72.07,"end":84.555},{"sentences":[{"text":"I'll just have a look.","start":88.854996,"end":90.08,"sentiment":"neutral","sentiment_score":-0.03489311784505844},{"text":"Sorry.","start":90.38,"end":90.7,"sentiment":"neutral","sentiment_score":-0.05136381834745407},{"text":"Back.","start":90.7,"end":91.2,"sentiment":"neutral","sentiment_score":-0.025769107043743137},{"text":"Okay.","start":93.5,"end":93.82,"sentiment":"neutral","sentiment_score":-0.02413897216320038},{"text":"So that's not the address I have on here.","start":93.82,"end":95.74,"sentiment":"neutral","sentiment_score":-0.05263695865869522}],"sentiment":"neutral","sentiment_score":-0.04408647733576158,"channel":0,"num_words":17,"start":88.854996,"end":95.74},{"sentences":[{"text":"Is there another one that you might have?","start":95.74,"end":97.6,"sentiment":"neutral","sentiment_score":-0.028210846474394202}],"sentiment":"neutral","sentiment_score":-0.028210846474394202,"channel":0,"num_words":8,"start":95.74,"end":97.6},{"sentences":[{"text":"40 Burke Street.","start":99.765,"end":101.125,"sentiment":"neutral","sentiment_score":-0.014077418173352877},{"text":"If it's not that, it could be 139 A Street.","start":101.125,"end":106.905,"sentiment":"neutral","sentiment_score":-0.03626109771430493},{"text":"It's not that.","start":108.78,"end":109.82,"sentiment":"neutral","sentiment_score":-0.07945134987433751},{"text":"It could be something 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we're","start":384.19498,"end":384.75497,"sentiment":"neutral","sentiment_score":-0.017795350402593613}],"sentiment":"neutral","sentiment_score":-0.06359907169826329,"channel":1,"num_words":16,"start":381.155,"end":384.75497},{"sentences":[{"text":"Yeah.","start":384.63,"end":385.13,"sentiment":"neutral","sentiment_score":0.02031669393181801}],"sentiment":"neutral","sentiment_score":0.02031669393181801,"channel":0,"num_words":1,"start":384.63,"end":385.13},{"sentences":[{"text":"actually working in Australia, and it's like going overseas every 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sleep.","start":810.35,"end":811.08997,"sentiment":"positive","sentiment_score":0.4583456218242645},{"text":"I will let you go to have a bit of a rest.","start":811.47,"end":813.70996,"sentiment":"positive","sentiment_score":0.3666309143106143},{"text":"I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today.","start":813.70996,"end":822.98505,"sentiment":"neutral","sentiment_score":0.195956990999334},{"text":"And we'll work out what we can do, and I'll make sure I follow-up with you.","start":823.525,"end":826.72504,"sentiment":"neutral","sentiment_score":0.1925006415694952},{"text":"But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave.","start":826.72504,"end":833.445,"sentiment":"neutral","sentiment_score":0.2949477709505869}],"sentiment":"neutral","sentiment_score":0.25106447018768596,"channel":0,"num_words":87,"start":810.35,"end":833.445},{"sentences":[{"text":"What's the date you're actually heading out to New Zealand?","start":833.445,"end":836.4,"sentiment":"neutral","sentiment_score":0.02689525466412306}],"sentiment":"neutral","sentiment_score":0.02689525466412306,"channel":0,"num_words":10,"start":833.445,"end":836.4},{"sentences":[{"text":"Well, we're starting to fly in and out from Brisbane the April 8.","start":837.36505,"end":849.88,"sentiment":"neutral","sentiment_score":0.019620551441151362}],"sentiment":"neutral","sentiment_score":0.019620551441151362,"channel":1,"num_words":13,"start":837.36505,"end":849.88},{"sentences":[{"text":"April 8.","start":850.52496,"end":851.345,"sentiment":"neutral","sentiment_score":0.008096994832158089},{"text":"No","start":851.805,"end":852.125,"sentiment":"neutral","sentiment_score":0.01141701266169548}],"sentiment":"neutral","sentiment_score":0.009203667442003885,"channel":0,"num_words":3,"start":850.52496,"end":852.125},{"sentences":[{"text":"Yeah.","start":851.86,"end":852.36,"sentiment":"neutral","sentiment_score":-0.015865758061408997}],"sentiment":"neutral","sentiment_score":-0.015865758061408997,"channel":1,"num_words":1,"start":851.86,"end":852.36},{"sentences":[{"text":"worries at all.","start":852.125,"end":853.265,"sentiment":"neutral","sentiment_score":-0.05063031613826752}],"sentiment":"neutral","sentiment_score":-0.05063031613826752,"channel":0,"num_words":3,"start":852.125,"end":853.265},{"sentences":[{"text":"So we potentially won't be because we'll have to sort a car and everything else.","start":852.985,"end":857.22504,"sentiment":"neutral","sentiment_score":-0.12370587935050328},{"text":"So we potentially won't be flying in and out to New Zealand probably May, I would say.","start":857.22504,"end":865.11,"sentiment":"neutral","sentiment_score":-0.09142188399153597}],"sentiment":"neutral","sentiment_score":-0.1065550068160519,"channel":1,"num_words":32,"start":852.985,"end":865.11},{"sentences":[{"text":"Okay.","start":865.92,"end":866.42,"sentiment":"neutral","sentiment_score":0.027135364711284637},{"text":"Buying in May.","start":867.68,"end":868.56,"sentiment":"neutral","sentiment_score":0.05553629249334335},{"text":"Perfect.","start":868.56,"end":868.88,"sentiment":"positive","sentiment_score":0.3640625476837158},{"text":"Well, I'll try not to leave it at that long.","start":868.88,"end":870.89996,"sentiment":"neutral","sentiment_score":0.06732404865324497},{"text":"I'll get on to everything.","start":871.04,"end":872.32,"sentiment":"neutral","sentiment_score":0.1505696088075638}],"sentiment":"neutral","sentiment_score":0.09919476602226496,"channel":0,"num_words":20,"start":865.92,"end":872.32},{"sentences":[{"text":"We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed.","start":872.32,"end":878.18,"sentiment":"neutral","sentiment_score":0.17575549830993017},{"text":"Okay?","start":878.39996,"end":878.89996,"sentiment":"neutral","sentiment_score":0.07564647495746613}],"sentiment":"neutral","sentiment_score":0.17218017604734218,"channel":0,"num_words":28,"start":872.32,"end":878.89996},{"sentences":[{"text":"Yep.","start":879.75,"end":880.185,"sentiment":"neutral","sentiment_score":0.14868859946727753},{"text":"I appreciate it.","start":880.425,"end":881.085,"sentiment":"neutral","sentiment_score":0.30862505237261456}],"sentiment":"neutral","sentiment_score":0.2686409391462803,"channel":1,"num_words":4,"start":879.75,"end":881.085},{"sentences":[{"text":"All","start":881.30505,"end":881.625,"sentiment":"neutral","sentiment_score":0.257484495639801}],"sentiment":"neutral","sentiment_score":0.257484495639801,"channel":0,"num_words":1,"start":881.30505,"end":881.625},{"sentences":[{"text":"Thank you.","start":881.385,"end":882.045,"sentiment":"positive","sentiment_score":0.4612068682909012}],"sentiment":"positive","sentiment_score":0.4612068682909012,"channel":1,"num_words":2,"start":881.385,"end":882.045},{"sentences":[{"text":"good.","start":881.625,"end":882.10504,"sentiment":"positive","sentiment_score":0.34542062878608704},{"text":"That's okay, Casper.","start":882.10504,"end":883.385,"sentiment":"neutral","sentiment_score":0.3230915566285451},{"text":"Thank you for taking my call.","start":883.385,"end":884.66504,"sentiment":"positive","sentiment_score":0.4433777332305908},{"text":"Again, I do apologize.","start":884.66504,"end":885.78503,"sentiment":"neutral","sentiment_score":-0.05568584892898798},{"text":"It wasn't the best news today, but","start":885.78503,"end":887.705,"sentiment":"neutral","sentiment_score":-0.10894425958395004}],"sentiment":"neutral","sentiment_score":0.14236230882150785,"channel":0,"num_words":21,"start":881.625,"end":887.705},{"sentences":[{"text":"Yeah.","start":887.385,"end":887.885,"sentiment":"neutral","sentiment_score":0.01889188587665558}],"sentiment":"neutral","sentiment_score":0.01889188587665558,"channel":1,"num_words":1,"start":887.385,"end":887.885},{"sentences":[{"text":"I just wanna be open and honest with you.","start":887.705,"end":889.54504,"sentiment":"neutral","sentiment_score":0.0786389551228947},{"text":"I'd rather be honest with you and have you understand the full circumstances","start":889.54504,"end":892.92505,"sentiment":"neutral","sentiment_score":0.07611306355549739}],"sentiment":"neutral","sentiment_score":0.07714638283306902,"channel":0,"num_words":22,"start":887.705,"end":892.92505},{"sentences":[{"text":"Yes.","start":892.67,"end":893.17,"sentiment":"neutral","sentiment_score":0.09467992186546326}],"sentiment":"neutral","sentiment_score":0.09467992186546326,"channel":1,"num_words":1,"start":892.67,"end":893.17},{"sentences":[{"text":"rather than lie and, you know, lead you on.","start":893.30505,"end":895.65,"sentiment":"neutral","sentiment_score":0.09749269319905175},{"text":"You deserve nothing more than the truth.","start":895.73004,"end":897.49005,"sentiment":"neutral","sentiment_score":0.15539653386388505},{"text":"So","start":897.49005,"end":897.99005,"sentiment":"neutral","sentiment_score":0.10244718194007874}],"sentiment":"neutral","sentiment_score":0.12162689163404353,"channel":0,"num_words":17,"start":893.30505,"end":897.99005},{"sentences":[{"text":"Yes.","start":898.58997,"end":899.08997,"sentiment":"neutral","sentiment_score":0.18238240480422976}],"sentiment":"neutral","sentiment_score":0.18238240480422976,"channel":1,"num_words":1,"start":898.58997,"end":899.08997},{"sentences":[{"text":"I will get stuck into working at what we can do, and we'll let you know as soon as we can.","start":898.85004,"end":903.51,"sentiment":"neutral","sentiment_score":0.2502908245438621},{"text":"We'll make it nice and timely so you're not left in limbo too long.","start":903.57,"end":906.93005,"sentiment":"positive","sentiment_score":0.3602411576679775},{"text":"And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well.","start":906.93005,"end":913.495,"sentiment":"positive","sentiment_score":0.35528978137742906}],"sentiment":"neutral","sentiment_score":0.3171530166374786,"channel":0,"num_words":56,"start":898.85004,"end":913.495},{"sentences":[{"text":"Alright.","start":913.795,"end":914.295,"sentiment":"neutral","sentiment_score":0.1884889453649521}],"sentiment":"neutral","sentiment_score":0.1884889453649521,"channel":1,"num_words":1,"start":913.795,"end":914.295},{"sentences":[{"text":"Yeah.","start":915.635,"end":916.115,"sentiment":"neutral","sentiment_score":0.23967218399047852},{"text":"Thank you so much for your time, Casper.","start":916.115,"end":917.875,"sentiment":"positive","sentiment_score":0.5255282558500767},{"text":"I will let you go to have a bit more of a rest.","start":917.875,"end":920.195,"sentiment":"positive","sentiment_score":0.40335870018372166},{"text":"Enjoy your day, and I'm very sorry for waking you up.","start":920.195,"end":923.33496,"sentiment":"neutral","sentiment_score":-0.09223696860400113}],"sentiment":"neutral","sentiment_score":0.2628168084404685,"channel":0,"num_words":33,"start":915.635,"end":923.33496},{"sentences":[{"text":"No.","start":923.17,"end":923.49,"sentiment":"neutral","sentiment_score":-0.19064435362815857},{"text":"I'm good.","start":923.49,"end":924.13,"sentiment":"neutral","sentiment_score":-0.09107630513608456},{"text":"Thank you very much.","start":924.13,"end":925.26996,"sentiment":"positive","sentiment_score":0.875066414475441}],"sentiment":"positive","sentiment_score":0.4467812420002052,"channel":1,"num_words":7,"start":923.17,"end":925.26996},{"sentences":[{"text":"Thank you.","start":925.43896,"end":925.99896,"sentiment":"positive","sentiment_score":0.8263964653015137},{"text":"I'll talk to you soon.","start":925.99896,"end":927.03894,"sentiment":"positive","sentiment_score":0.5491201341152191},{"text":"See you later.","start":927.03894,"end":927.85895,"sentiment":"positive","sentiment_score":0.4138398269812266}],"sentiment":"positive","sentiment_score":0.5639913082122803,"channel":0,"num_words":10,"start":925.43896,"end":927.85895},{"sentences":[{"text":"Alright.","start":927.41,"end":927.91,"sentiment":"neutral","sentiment_score":0.205061599612236},{"text":"Bye.","start":928.20996,"end":928.70996,"sentiment":"neutral","sentiment_score":0.16302649676799774}],"sentiment":"neutral","sentiment_score":0.18404404819011688,"channel":1,"num_words":2,"start":927.41,"end":928.70996},{"sentences":[{"text":"Bye.","start":928.55896,"end":929.05896,"sentiment":"neutral","sentiment_score":-0.1116228923201561}],"sentiment":"neutral","sentiment_score":-0.1116228923201561,"channel":0,"num_words":1,"start":928.55896,"end":929.05896}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Alright discuss personal information, insurance coverage, and insurance disclosures with customers. The agents explain that they cannot provide advice when overseas and that there may be taxation consequences for other countries. The customers are interested in returning to work in New Zealand and Australia and the licensee is allowed to provide advice. The agents will follow up with the customers and update their profiles."},"intents":{"segments":[{"text":"And just to do security there with you, we are discussing your personal information. So just to confirm, your full name, your date of birth, and address I should have on file there for you.","start_word":145,"end_word":179,"intents":[{"intent":"Provide security","confidence_score":0.023954684}]},{"text":"40 Burke Street, Pickett in Calgary, W 030. Is that the Let right me one? double that's not the one I'm looking at, but that's okay. And I also have sorry. Sorry. Your other file here. Where is it? I'll just have a look. Sorry. Back. Okay. So that's not the address I have on here. Is there another one that you might have? 40 Burke Street.","start_word":206,"end_word":272,"intents":[{"intent":"Confirm address","confidence_score":0.056307383}]},{"text":"At least I changed my address to 19 The Carter Street, Alconos, which is what it's currently. That's that's the one. Perfect.","start_word":328,"end_word":349,"intents":[{"intent":"Change address","confidence_score":0.016048344}]},{"text":"So in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you. Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on.","start_word":655,"end_word":701,"intents":[{"intent":"Resolve coverage issues","confidence_score":0.004209828}]},{"text":"It does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running. Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for. The cover you have now gives you more eligibility to claim on. It's a better product for you to be able to claim on. Does that make sense?","start_word":755,"end_word":832,"intents":[{"intent":"Retain ing cover","confidence_score":0.67729473},{"intent":"Apply for ing cover","confidence_score":0.011427612}]},{"text":"Apply the WA. Work for two weeks and Okay.","start_word":1056,"end_word":1064,"intents":[{"intent":"Apply for wa","confidence_score":0.048105314},{"intent":"Apply for job","confidence_score":0.01496367}]},{"text":"So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license.","start_word":1210,"end_word":1265,"intents":[{"intent":"Get advice","confidence_score":0.006367303}]},{"text":"What would you prefer me to do to be able to touch base with your customer?","start_word":1452,"end_word":1467,"intents":[{"intent":"Contact and touch base","confidence_score":0.000055799952}]},{"text":"Well, it means that we may not be able to provide ongoing advice. So, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by.","start_word":1555,"end_word":1594,"intents":[{"intent":"Provide advice","confidence_score":0.011741601}]},{"text":"So it's not a no yet. It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further. Is that okay? Yeah.","start_word":1949,"end_word":1985,"intents":[{"intent":"Get information","confidence_score":0.35448506},{"intent":"Discuss issues and options","confidence_score":1.2732927e-7}]},{"text":"And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you.","start_word":2031,"end_word":2066,"intents":[{"intent":"Seek advice","confidence_score":0.005740444}]},{"text":"The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out Yeah.","start_word":2067,"end_word":2100,"intents":[{"intent":"Double check and find insurance coverage","confidence_score":0.0000081183625}]},{"text":"if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well. Because Alright.","start_word":2101,"end_word":2128,"intents":[{"intent":"Discuss insurance stipulations","confidence_score":0.005078179}]},{"text":"But is we wanna make sure that the products you have that you can actually claim on. There's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries. And Yeah.","start_word":2295,"end_word":2360,"intents":[{"intent":"Make sure claim is valid","confidence_score":0.00024615883}]},{"text":"I know last year, we did also talk about maybe updating your portfolio. And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided. Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day. Okay? Alrighty.","start_word":2518,"end_word":2583,"intents":[{"intent":"Provide advice","confidence_score":0.15877317}]},{"text":"What's your plan? Yeah.","start_word":2626,"end_word":2629,"intents":[{"intent":"Clarify plan","confidence_score":0.0038328704}]},{"text":"I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today.","start_word":2681,"end_word":2714,"intents":[{"intent":"Go to head of advice","confidence_score":0.014325054}]},{"text":"I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today. And we'll work out what we can do, and I'll make sure I follow-up with you. But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave.","start_word":2681,"end_word":2753,"intents":[{"intent":"Clarify conversation","confidence_score":0.27815905}]},{"text":"And we'll work out what we can do, and I'll make sure I follow-up with you. But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave.","start_word":2715,"end_word":2753,"intents":[{"intent":"Follow-up","confidence_score":0.43206415}]},{"text":"Perfect. Well, I'll try not to leave it at that long. I'll get on to everything. We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed. Okay? Yep.","start_word":2820,"end_word":2864,"intents":[{"intent":"Purchase in may","confidence_score":0.0022424592}]},{"text":"We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed. Okay? Yep.","start_word":2836,"end_word":2864,"intents":[{"intent":"Provide information","confidence_score":0.1854259}]},{"text":"I appreciate it. All Thank you. good.","start_word":2865,"end_word":2871,"intents":[{"intent":"Express gratitude","confidence_score":0.047913067}]},{"text":"That's okay, Casper. Thank you for taking my call.","start_word":2872,"end_word":2880,"intents":[{"intent":"Have coffee with casper","confidence_score":1.362483e-7}]},{"text":"I just wanna be open and honest with you. I'd rather be honest with you and have you understand the full circumstances Yes.","start_word":2893,"end_word":2915,"intents":[{"intent":"Understand circumstances","confidence_score":0.36941716}]},{"text":"I will get stuck into working at what we can do, and we'll let you know as soon as we can. We'll make it nice and timely so you're not left in limbo too long. And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well.","start_word":2934,"end_word":2989,"intents":[{"intent":"Take steps to complete move","confidence_score":0.0000015026892}]},{"text":"Thank you so much for your time, Casper. I will let you go to have a bit more of a rest. Enjoy your day, and I'm very sorry for waking you up. No. I'm good.","start_word":2992,"end_word":3026,"intents":[{"intent":"End conversation","confidence_score":0.41395617}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Casper. This is Dana from Oakview Financial. How are you this morning? Yourself?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.21026360988616943},{"text":"I'm very well. Thank you. I had you booked in for a bit of a catch up this morning.","start_word":16,"end_word":34,"sentiment":"positive","sentiment_score":0.47213131189346313},{"text":"Is now still a good time there for Yeah. you? That's fine. Yeah. I'm so sorry.","start_word":35,"end_word":50,"sentiment":"neutral","sentiment_score":0.10979228466749193},{"text":"I feel like I may have woken you up.","start_word":51,"end_word":59,"sentiment":"negative","sentiment_score":-0.4195029139518738},{"text":"No. No. I No. forgot to shake by alarm. That's why. Oh, well, I'm very sorry if I woke you up. I do apologize. Do you have just a few minutes for a quick catch up now? Yeah. That's fine. Yeah.","start_word":60,"end_word":100,"sentiment":"neutral","sentiment_score":-0.09804680943489076},{"text":"All good.","start_word":101,"end_word":102,"sentiment":"positive","sentiment_score":0.3698557019233704},{"text":"All good. Before we jump into the call there, Casper, I do need to let you know that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":103,"end_word":140,"sentiment":"neutral","sentiment_score":0.10156410187482834},{"text":"It's all good. Lovely.","start_word":141,"end_word":144,"sentiment":"positive","sentiment_score":0.4973001480102539},{"text":"And just to do security there with you, we are discussing your personal information. So just to confirm, your full name, your date of birth, and address I should have on file there for you. Oh, I don't know which one you're wearing on file. That's okay. You just check something out there, and I'll let you know if it's wrong. 40 Burke Street, Pickett in Calgary, W 030. Is that the Let right me one? double that's not the one I'm looking at, but that's okay. And I also have sorry. Sorry. Your other file here. Where is it? I'll just have a look. Sorry. Back. Okay. So that's not the address I have on here. Is there another one that you might have? 40 Burke Street. If it's not that, it could be 139 A Street. It's not that. It could be something else. Yeah. Yeah. What I'm not sure if it is. where else have you resided in the past? Sorry. Say again? Where else have you resided in the past? Give me a time, I I can tell you. At least I changed my address to 19 The Carter Street, Alconos, which is what it's currently. That's that's the one. Perfect. That's the one I have here. I'm sorry. I didn't have the other ones previously noted. I do apologize about that. But that is the one we do have here.","start_word":145,"end_word":379,"sentiment":"neutral","sentiment_score":-0.0044110862221172515},{"text":"Perfect.","start_word":380,"end_word":380,"sentiment":"positive","sentiment_score":0.4695933163166046},{"text":"And just your date of birth as well for me, please, Casper. So sorry. Okay. 05/22/1977.","start_word":381,"end_word":396,"sentiment":"neutral","sentiment_score":0.06569482386112213},{"text":"Beautiful. Lovely. Thank you so much.","start_word":397,"end_word":402,"sentiment":"positive","sentiment_score":0.6218222379684448},{"text":"So the 19 the The Quarter Street, that is where you are at the moment? Yeah. Yep. Perfect. Well, that's the address we do currently have on file, so it's all up to date for you. Okay?","start_word":403,"end_word":439,"sentiment":"neutral","sentiment_score":0.11654742062091827},{"text":"Thank you for that.","start_word":440,"end_word":443,"sentiment":"positive","sentiment_score":0.36176154017448425},{"text":"Sorry about the trouble. Kasper it's all good. Kasper, last time we did catch up, we did the annual review late last year, and we were looking at the insurance side of things. So I know you did do a free assessment around about November with my team. We had sent those free assessments off to see how insurances might be assessed because you wanted to see if you could consolidate your ING into your net wealth and maybe have everything in one place. With Yep. having a look at what was disclosed, there was a few health conditions that have been disclosed. So certain things, I can give you a list of them. We had the bariatric surgery, the knee aspiration, the right broken thumb, the left broken collarbone, the skin cancer on the calf, the left shoulder ligament and muscle damage, and the right shoulder hyper, hyperextension, and then the mild depression and the appendix removal. So there was quite a few things that have been disclosed, and we did send that off the to the pre assessment teams to see how they would assess things. The other thing you had disclosed was that you were planning to move back to New Zealand and leave Australia permanently as well. So in light of all of those disclosures, unfortunately, the providers are not willing to offer cover to you. Just with the amount of things that it is disclosed, it would any new cover would entail too many exclusions, which limits what you can actually claim on. So they the only provider that was willing to offer any kind of cover, unfortunately, was only offering ADL definition, which is, basically, you need to be unable to feed yourself, fade yourself, and close yourself.","start_word":444,"end_word":737,"sentiment":"neutral","sentiment_score":-0.10143788158893584},{"text":"So it's not a great definition. It's not something I would sort of like you to have. It does unfortunately mean that we would need to retain the ING cover, the life and TPD you have with ING at the moment and keep the two super funds running.","start_word":738,"end_word":785,"sentiment":"negative","sentiment_score":-0.5039501190185547},{"text":"Because the cover you have with ING, there's no loadings or no exclusions given what we could apply for. The cover you have now gives you more eligibility to claim on. It's a better product for you to be able to claim on. Does that make sense? Yep. Yeah. So it does mean we do have to retain that at the moment.","start_word":786,"end_word":847,"sentiment":"neutral","sentiment_score":0.10720071941614152},{"text":"I do wanna keep looking forward to seeing how things are going for you.","start_word":848,"end_word":861,"sentiment":"positive","sentiment_score":0.6217968463897705},{"text":"One Okay. of the things you did make mention to me was that you are wanting to move back to New Zealand. Do you have any idea of when you're wanting to do that, or is there a plan in place? Are you still thinking about it? Why is that? Because Yeah. when we spoke last year, you mentioned that you were wanting to move back to New Zealand. Yeah. No. I'm just kinda so why are you asking me? What is is that gonna affect anything of me doing that with Yeah. with my my my options? So It it I Yeah. put It absolutely a does. bit Okay. Because I'm it absolutely does. moving So the are you moving back the permanently? Because beginning you mentioned that's what you were of wanting to do. It's a bit April. cheaper living in New Zealand. Yeah. I'm not really cheap at the moment, but no. So so I'm gonna do two on one from Brisbane, but I'm paying my own flight to Yeah. New Zealand, me and my wife. Yeah. And then, yeah, we'll go to New Zealand for the week. Okay. Come back. Apply the WA. Work for two weeks and Okay. So are you going to be living over there, or are you coming back? Is it just a holiday to New Zealand? yeah. No. Well, we're gonna be it's sort of hard because we're gonna be living over there, but we're gonna be living there for a week, and then we're gonna work in Australia for two weeks. So Okay. so it's not like Yeah. it's it's a permanent move, but it's not, if you know what I mean. Because we're Yeah. actually working in Australia, and it's like going overseas every week Yeah. every three weeks. Absolutely. And are you planning on doing any kind of work in New Zealand while you're there? Will you be earning any money whilst you're living over there or just coming back here to work and just working in Australia? Yes. Coming back here to work. Okay.","start_word":862,"end_word":1208,"sentiment":"neutral","sentiment_score":-0.006230316599911503},{"text":"Perfect.","start_word":1209,"end_word":1209,"sentiment":"positive","sentiment_score":0.4728275537490845},{"text":"So the main sort of reason I have to ask those questions is that under our license as financial advisers, we're actually not able to provide advice to you when you do reside overseas, and that is because there are taxation consequences for other countries that we're not able to take into account under our license. So what I do need to do is I do need to go and speak to our head of advice to find out put your circumstances out there that you'll be living in New Zealand and just flying back here to work every couple of weeks. You said you're working two weeks at a time. Is that right? Yeah. Yeah.","start_word":1210,"end_word":1325,"sentiment":"neutral","sentiment_score":-0.11736085265874864},{"text":"Perfect.","start_word":1326,"end_word":1326,"sentiment":"positive","sentiment_score":0.4388845562934875},{"text":"I will just put this to our head of advice to find out what we are able to do moving forward. We can still do annual reviews for you, but I don't obviously want you to be paying for our services if we're not able to help you moving forward. So Yeah. it might be worth you moving back to ING and keeping everything in one place. So I will go back and speak to my head of advice and find out what our obligations are there and what we can do to help you, and then I will make time to email you or touch base. Are you better contacted via email at the moment, or is it best to give you a call? What would you prefer me to do to be able to touch base with your customer? I suppose well, both.","start_word":1327,"end_word":1471,"sentiment":"neutral","sentiment_score":0.09761159867048264},{"text":"I'm very bad at reading emails.","start_word":1472,"end_word":1477,"sentiment":"negative","sentiment_score":-0.346624493598938},{"text":"No. That's okay. But Not but a I do not like a problem. I do like, you know, something Yes. in writing is always better. Yeah. Yeah. No. No. Absolutely. Well, I could always So send so you what an email you're with saying is and then follow-up. if Yeah. if I live if I live in New Zealand and I work in Yes. Australia, does that mean I have to change my super with you guys? Well, it means that we may not be able to provide ongoing advice. So, generally, under our license, we can only provide advice since that is allowed under our under our licensee or our license that we are provide by. And, essentially, if you're living in a different country, there are different taxation laws in different countries. So for us to provide advice here, we have to take into account the New Zealand taxation rules, and that can be quite conflicting. We don't know enough about the taxation rules. A lot of accounts here don't even understand the taxation rules in New Zealand. They can be quite different. So there's a lot of conflicting information there. We'd have to take into account Australian taxation as well as New Zealand, which can be quite conflicting.","start_word":1478,"end_word":1688,"sentiment":"neutral","sentiment_score":-0.10215229466910612},{"text":"If we get that wrong, it can place you in a negative position, so the advice may not be appropriate.","start_word":1689,"end_word":1708,"sentiment":"negative","sentiment_score":-0.4385954737663269},{"text":"So our licenses does not allow us to provide advice when you are living overseas, but it also comes down to the circumstances. So if you are just residing over there and working over here, I might be able to confirm that we still can provide the advice. There might just be some stipulations around what that entails, and I just need to seek approval from our head of advice to find out what we are and are not able to do to help you. But I also don't wanna do anything that's gonna put you in a bad position, and it might be easier for you. I mean, you have your two super funds at the moment. So it might even be easier if we just move you back to I n g. You have everything in one place. Your super stays where it is, and you have access to it in a lower cost fund. So I just need to find out what the stipulations are, what our requirements are, and what we can do to help you to make sure that we're putting your needs above that of everything else. Does that make sense? Alright. Yeah. Yeah. Yeah.","start_word":1709,"end_word":1909,"sentiment":"neutral","sentiment_score":0.05473329499363899},{"text":"That's I a don't little disappointing.","start_word":1910,"end_word":1915,"sentiment":"negative","sentiment_score":-0.507967472076416},{"text":"I know. I know. And, look, I will I wanna be able to help you moving forward, but I just need to make sure we're doing it in the right way as well. So it's not a no yet. It's just I need to get some more information first, and then I'll come back and let you know, and we can discuss a little bit further. Is that okay? Yeah.","start_word":1916,"end_word":1985,"sentiment":"neutral","sentiment_score":0.17179941833019258},{"text":"All good. Thank you.","start_word":1986,"end_word":1989,"sentiment":"positive","sentiment_score":0.5573024749755859},{"text":"Yeah. That's okay. We just don't wanna do anything that's gonna negatively impact you. You've worked really hard. You're still working really hard, and you deserve the retirement you're after. So, we just need to make sure we're doing everything right. And and, look, if there's a way that our advice team can find our head of advice can find that we can still service, look after your super, then we absolutely wanna do that for you. The other thing I wanna do is that because you are gonna be living in New Zealand, I do also wanted to double check with ING around their insurance policy to find out Yeah. if you had to make a claim on the life and CPD, what would ING insurance stipulations be so you're fully informed of that as well. Because Alright. if you're living overseas and you can't claim on the insurance, is it actually worth having? So I will do a bit more research around that for you Yeah. as well. Is that okay? That's fine. Thank you. Yeah. No. That's okay. I just wanna make sure we're looking after you and putting your needs above that of our own is the most important part of our job. And I'm wanna be honest with you, if it's better for you to be in ING, we will tell you that. If we feel that we can still help you out, then we will definitely do that for you as well. I just need to find out what the stipulations are. Does that make sense? Yep. Yeah.","start_word":1990,"end_word":2253,"sentiment":"neutral","sentiment_score":0.11392351239919662},{"text":"Perfect. I hope I can come back with some good news for you.","start_word":2254,"end_word":2266,"sentiment":"positive","sentiment_score":0.36596888303756714},{"text":"And I'm sorry that we weren't able to get any new insurance as we Yeah. did It's try fine. really hard and fight the in insurers there. But is we wanna make sure that the products you have that you can actually claim on. There's no point paying for insurances that have all these exclusions that you can't claim on, because, realistically, anything that's you know, if you've had sore backs and sore knees and sore shoulders, the likelihood of you making a claim is going to be on those injuries. And Yeah.","start_word":2267,"end_word":2359,"sentiment":"neutral","sentiment_score":-0.03775148646485421},{"text":"so it's important to make sure you are able to claim on the products you are paying more as well.","start_word":2360,"end_word":2379,"sentiment":"positive","sentiment_score":0.3747376799583435},{"text":"Does that all help you a little bit? I'm so sorry it wasn't great news this morning, but No. That's fine. I wanna go into that for you. Do you have any questions for me at the moment No. at all, Casa? No. No? That's all. No. All good. Thank you. Yeah. That's okay. Well, what I will do next is I'll just go back. I'll speak to my head of advice. I'll find out what we wanna do. I'll put your circumstances out there and find out what we're able to do under the license, and then we will get probably an email drawn up, and then I'll follow-up with a conversation with you just to sort of see that you've got that, that you understand, and then we can look at what to do moving forward. I know last year, we did also talk about maybe updating your portfolio.","start_word":2380,"end_word":2530,"sentiment":"neutral","sentiment_score":0.13819433748722076},{"text":"And if we're able to keep providing the advice and helping you along, I definitely wanna do that for you because there is other advice that can be provided. Just gotta make sure that it can be done correctly and that it's gonna benefit you at the end of the day.","start_word":2531,"end_word":2581,"sentiment":"positive","sentiment_score":0.4078406095504761},{"text":"Okay? Alrighty.","start_word":2582,"end_word":2583,"sentiment":"neutral","sentiment_score":0.20516273379325867},{"text":"Thank you. I appreciate that.","start_word":2584,"end_word":2588,"sentiment":"positive","sentiment_score":0.3994012475013733},{"text":"No. That's okay. Are you off work this week? Yes. I am. You are? Well, I hope you have a good week off. Are you packing, getting sorted for the move, or are you just relaxing? Yes. What's your plan? Yeah. Yes. Yeah. We yeah. It's starting today. We just flew in yesterday morning. So, yeah, we're starting today. Starting to sort Oh, things out. wow. Well, I'm very sorry I woke you up.","start_word":2589,"end_word":2662,"sentiment":"neutral","sentiment_score":0.036133539636392854},{"text":"You definitely deserve Good. your sleep. I will let you go to have a bit of a rest.","start_word":2663,"end_word":2680,"sentiment":"positive","sentiment_score":0.391800194978714},{"text":"I will send you a bit of a quick email afterwards just sort of clarifying our conversation, and then I'll go and speak to our head of advice probably tomorrow because she's off today. And we'll work out what we can do, and I'll make sure I follow-up with you. But I hope you stay safe and have a a safe travels, and we'll make sure we can contact you before you leave. What's the date you're actually heading out to New Zealand? Well, we're starting to fly in and out from Brisbane the April 8. April 8. No Yeah. worries at all. So we potentially won't be because we'll have to sort a car and everything else. So we potentially won't be flying in and out to New Zealand probably May, I would say. Okay. Buying in May.","start_word":2681,"end_word":2819,"sentiment":"neutral","sentiment_score":0.09881985932588576},{"text":"Perfect.","start_word":2820,"end_word":2820,"sentiment":"positive","sentiment_score":0.3640625476837158},{"text":"Well, I'll try not to leave it at that long. I'll get on to everything. We'll hopefully come back in about a week or two and be able to give you some information on what we can do to help you proceed. Okay? Yep. I appreciate it.","start_word":2821,"end_word":2867,"sentiment":"neutral","sentiment_score":0.15688566863536835},{"text":"All Thank you. good.","start_word":2868,"end_word":2871,"sentiment":"positive","sentiment_score":0.3884665966033935},{"text":"That's okay, Casper.","start_word":2872,"end_word":2874,"sentiment":"neutral","sentiment_score":0.32151710987091064},{"text":"Thank you for taking my call.","start_word":2875,"end_word":2880,"sentiment":"positive","sentiment_score":0.4382699131965637},{"text":"Again, I do apologize. It wasn't the best news today, but Yeah. I just wanna be open and honest with you. I'd rather be honest with you and have you understand the full circumstances Yes. rather than lie and, you know, lead you on. You deserve nothing more than the truth. So Yes. I will get stuck into working at what we can do, and we'll let you know as soon as we can.","start_word":2881,"end_word":2954,"sentiment":"neutral","sentiment_score":0.10847905278205872},{"text":"We'll make it nice and timely so you're not left in limbo too long. And that way, you've got some, you know, information before you complete your big move, which is awfully exciting as well.","start_word":2955,"end_word":2989,"sentiment":"positive","sentiment_score":0.35487595200538635},{"text":"Alright. Yeah.","start_word":2990,"end_word":2991,"sentiment":"neutral","sentiment_score":0.2089622467756271},{"text":"Thank you so much for your time, Casper. I will let you go to have a bit more of a rest.","start_word":2992,"end_word":3012,"sentiment":"positive","sentiment_score":0.4580690562725067},{"text":"Enjoy your day, and I'm very sorry for waking you up. No. I'm good.","start_word":3013,"end_word":3026,"sentiment":"neutral","sentiment_score":-0.12049952894449234},{"text":"Thank you very much. Thank you. I'll talk to you soon. See you later.","start_word":3027,"end_word":3040,"sentiment":"positive","sentiment_score":0.6319993734359741},{"text":"Alright. Bye. Bye.","start_word":3041,"end_word":3043,"sentiment":"neutral","sentiment_score":0.16417370736598969}],"average":{"sentiment":"neutral","sentiment_score":0.04447149846049478}}}}